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Reader Story: Widowed Young
Published on - August 1st, 2010 (by J.D. Roth)
This guest post from Heather is part of the "reader stories" feature at Get Rich Slowly. Some stories contain general advice; others are examples of how a GRS reader achieved financial success — or failure. These stories feature folks from all levels of financial maturity and with all sorts of incomes.
In 2002, I was 28 years old with a dead husband. It wasn't a total shock: He had been sick, and there was never an expectation that he would live until a ripe old age. But still, I had entered a very small tribe of people. I was widowed young.
For a couple of years, my husband and I had argued over housing philosophy. He wanted a "forever house", and I wanted a small house that was easily affordable because we could always move later. Four months before he got sick, we bought a beautiful "forever house" that made both of us very happy, a house that was impossible for me to afford on my own.
As part of my husband's illness, we put 500 miles a week on our car, so that was fast running out of warranty. Since many of those miles were across open plains and I was driving by myself, I made a push for a newer car that would be healthy through the long drives and the substantial follow-up treatment if everything went well. We bought my dream car.
When my husband's estate settled, I had:
- About six months of his salary at my disposal
- A house that would consume that money very quickly
- A car payment that was too large
- Some lingering credit debt of my own
- A job that would not sustain me
I knew that traditional wisdom says to wait a year to make any changes after a major life crisis, but if I did that I'd be out of money and far less able to adapt. I saw two big financial problems in my life: the house and the car.
I called the financer on the car. I explained that I would no longer be making payments on the car and I did a "voluntary repo". I purchased a used car with cash.
I put the house on the market four months after my husband died. The neighborhood gossiped. I got worried looks from everyone who didn't know me, but my inner circle of friends understood and supported my decision. I was under contract and making a few bucks within a week.
After closing on my house, leaving my job, and getting my "new" car, I took the summer off. I spent time with distant family. I went to retreats and contemplated where I wanted to live next. I went south.
I rented a nice apartment and paid for a year up front, which discounted my rent by 15% and reinforced that I was starting to build a new life. My new town had a lower cost of living and a college atmosphere, so being a newcomer was less intimidating. I started training for a profession that actually paid a living wage.
A year after my husband died, I lived in a different state, with a different car, no debt other than student loans, a new cat, and had started towards a new profession.
I have always trusted my gut, and I didn't see any reason to stop doing that just because I was profoundly sad and lonely. In almost every aspect of my big changes, I was happy at the outcome. (I changed cars one more time because I ended up hating my first choice — good thing it was cheap!)
The last great gifts my husband gave me were:
- His estate allowed me to finish fixing my financial mistakes from college.
- His illness introduced me to a profession that allows me to make enough money to sustain myself.
- I learned that when I was sad, I would go to the bookstore and spend $100 to feel better. I don't do that anymore.
It is possible to make solid decisions within a year of a crisis. Financial windfalls that come from death can be life-changing. Be trustworthy, and then trust yourself.
This article is about Real-Life
Heather, first, my condolences. Second, thanks – this is one of my big fears, and it was helpful to hear how you managed. I particularly will remember "be trustworthy then trust yourself." great piece of advice for a lot of things.
I'm wishing you well despite the fact that it sounds like you're doing alright. I do have a question though. In your post, you mentioned that you attened retreats as a step to figure out what would come next. What type of retreats were these?
With a young family of 4, a 3 year old first home, and some debt, my husband and I both made sure that when I first got pregnant we both got life insurance that was just enough to pay off the house and all built up debt so that neither of us would lose the house and completely go under in the event of an emergency. Also, if anything were to happen to us both at the same time, our kids would have a very hefty sum of money to go to the family they would live with. It's a pretty large bill each month for a family on one income (about $100 a month) but the alternative is unthinkable.
I don't understand why the neighbourhood gossiped when you sold your house…? They thought it was too soon, or what? I would just automatically assume the person couldn't afford it, in that situation.
What you experienced is one of my greatest fears. I'm glad to see you were able to rebuild your life.
I agree with the "following your gut" thing, too. Too many advice givers seem to give the advice that feelings can't be trusted, and that you should do what they (or their holy book of choice) think you should do, instead. I can say that in my experience, that advice is FAR more harmful than the advice to follow your heart (or gut, or whatever you like). ;o)
@3 I agree.
Oh my, what a powerful starting paragraph.
I'm glad you've slayed any demons, and have moved on. Best of luck to you!
Wow, what a story. Like many people replying, this is also one of my greatest fears.
My husband just got refused life insurance. At first I panicked, but then I found out that we just have to get an additional test to prove nothing's wrong with his heart (apparently a doctor thought he might have a heart murmur when he was 4) and then we can get it.
I'm happy to hear that you're able to move along. I know that I wouldn't be able to work for at least a year if my husband died. I'd be just paralized with shock, sadness, anger, etc. Even without kids (so far) it doesn't sound like a pretty picture. People look at me like I'm crazy or like a gold digger when I talk about life insurance. But I honestly think that everyone with a dependant/parter should have it to let the person they leave behind with peace of mind while they grieve and figure out what's next.
Yes Mimi. We have no kids but I'll need some time if dh dies.
Don't think it was "wrong" for writer to move on since their financial "house" wasn't in order.
Kudos to you, Heather, for handling things so well and bravely. I'm so glad to hear you've done well.
On the life insurance, Heather doesn't say why they didn't have it or what was wrong with her husband, but if he had been ill a long time he may not have ever been able to get insurance. It's not always an option (say you have a genetic condition, or your illness developed in childhood) — but I agree, if it is an option it should be a priority.
Heather – thanks for sharing your story. I'm sorry for your loss, but amazed at your ability to survive (and eventually thrive) after such a devastating experience.
I just got married last year and we've put off having a conversation about life insurance since we don't have a mortgage or kids yet. But your story is making me rethink that – we still have debts that would need to be paid that I'm not sure either of us could manage alone. I'm going to look into it today.
There's nothing crazy or inappropriate about life insurance. You're just making sure your loved ones will be financially sound after you die. If something were to happen to me, my estate will ensure my immediate family will never to have to worry money again.
In regards to the article, I'm surprised Heather only got six months of salary. Was that through his employer? Was that from an outside insurance company? If I died, my family would get at least five times my annual salary from the insurance company via my employer.
Ann every co is different. My dh co gives 1.5x his salary. So we have outside coverage.
Some good points come up here – lots of people have automatic insurance through their work, but it might not be much. My husbands is only $10k. Probably similar to what Heather ended up with.
One thing that we did since we have State Farm is add it as our second and third policies – so we got a bit of a discount on our car insurance. It was slightly more expensive going with them, but I felt more comfortable with a well known company that I had a good past with.
Also, know that the price they quote you on the phone is only an ESTIMATE!! They will send a nurse out to your home to do a mini physical and take blood. After they discovered that both our BMI's were less than desirable and my husband used to smoke, the cost increased about $20 a month for both of us. We are young enough still though that they didn't refuse us coverage. We were also lucky enough to get a plan before I developed Type 2 diabetes after my baby was born. I'm not sure how much our policy would have cost us if we would have waited.
One thing we do still need to do is make an emergency folder with all our info in it in a fire proof safe. What good is life insurance if nobody knows where it is or how to get it?
This article shows the importance of life insurance, even if you are newly married with no children.
Having an "instant estate" via life insurance gives you options in your time of bereavement.
First let me say that life insurance is always appropriate, unless the spouse left alone can afford all of the current expenses on his or her salary, including house, funeral and the like. Heather, you have my deepest sympathies. but as someone who was widowed at fifty and forced to make changes when I should not have, I do need to say that the emotional level is so high its unimaginable and for most people your decision would not have worked. Also, you were single and not uprooting children. (the reason I was forced to move was that I was an overseas dependent with teenagers at home who had to leave Germany. Although the government covered some things, we still had committed to tuition, ahome and other things that immediately took a huge hunk of my insurance, and made my kids leave their friends and home of seven years).
For people widowed young (but not as young as Heather), it's nice to know that social security provides an interesting benefit starting at age 60 if you're not married then (or remarried only after age 60). Under their survivors benefits program (http://www.ssa.gov/ww&os2.htm), the widow can draw benefits based on the decedent's account, without reducing his or her own eventual social security benefits.
Good article. My bestfriend who was 31 just died 2 weeks ago from a year long battle with cancer. Her husband is 30 with 2 small children and has no clue what to do now….gonna send him this so he maybe can see a future. Thanks.
Heather, your simple use of logic and good common sense during such a sad and catastrophic life change is nothing short of impressive. By sharing your story you have probably helped more people than you could imagine. Thank you and God bless you.
I'm really glad you took the opportunity to better yourself. So many people just "break" after hardship like that.
Still, I'm sorry for your loss.
Thanks for sharing a great story.
You have my sympathy and my admiration. Good for you for making things work after your dear husband's death and for sharing with others in case the unthinkable or unplanned happens.
My MIL was widowed at 37yo and she had two sons, ages 17 and 13. She did not manage well the little life insurance that her husband did leave. Her experiences helped teach my husband and me valuable lessons in our early marriage about life insurance, debt reduction and money management.
Blessings to you.
Strange timing to read this story today, as my friend's wife just entered the same situation: her husband, my friend, just passed away from illness. He was 29. Your story gives me hope that his wife will be alright. Thanks for sharing.
Heather — thanks for sharing your story.
It sounds like there might have been a few choices you might have made differently, had you known how things were going to go, but that isn't the point of your story.
I admire your ability to make decisions and move on to take care of yourself moving forward. I wish you the best of luck in your new town and career. I was going to say "new life," but I think it's all part of your life.
I really enjoyed this post.
I'm so very sorry for your loss. You offer some very valuable insight.
Always get life insurance… even if you think you don't need it. Frankly, I'm a proponent of buying a small whole-life policy on kids, but I have a reason for that. My husband can't get life insurance. In fact, we learned that he has kidney disease because we were trying to get life insurance on him.
Let me tell you, it's scary to be denied insurance by every company. I'm a SAHW, so that really compounded the fears. Part of me wishes his mom had taken out a small policy on him when he was young, as my own parents did for me. I still have that policy.
We've had to get creative. He does have automatic life insurance through his work that offers a year of salary should he die, but I don't like relying on that completely, as this economy is bad and few jobs are truly secure. We took out a policy through our home mortgage that covers far more. The catch is that it has to be an accidental death; however, at this point in life, we're more concerned about car accidents than illness. Thankfully, his kidneys have been stable, and we hope they stay that way.
Just last month, one of our close friends became a widow as a result of a terrible traffic accident, which killed her husband instantly. She and the kids made it through and are now recovering from their injuries, but will have emotional scars for a long time coming.
Thank you for having the courage to post your story to fellow readers. Unexpected or not, death of a spouse (or life partner) at a young age is something that we need to consider when planning for our futures.
Thank you – I'm amazed at your ability to cope, and could only hope that either of us could be as level headed in your situation.
We both have significant life insurance policies because we don't want to try to predict how we'll cope. There's enough there to buy out the mortgage, pay all student loans and debts, and prepay all expenses for at least a year. That would allow us to take time, like Heather did, to figure out what we should do next – but without that pressure of a big problem coming down the road.
An amazing story. Like many here, this is one of my nightmare scenarios. I've been married just over a month now, and suddenly the fear of losing my wife is very strong. We're currently working together to get our financial life in order so no matter the emergency, we're covered. Life insurance is just part of that plan.
I'm so glad you've managed to come out of the situation on top like you have. I don't know you personally, but I am very proud of you.
Hi Heather – Kudos to all you had to go through this past year! You handled everything beautifully and good luck with everything in the future…
sorry for your loss; my condolensces.
i'd start off by saying that whenever you have responsibilities, financial or otherwise, you need to make a plan for those things taken care of whether you're leaving for a weekend or permanently.
life insurance is easy to arrange with selectquote, etc. we used legalzoom.com for our estate planning because all of our assets are assignable.
it sucked to have the discussions. i cried my eyes out trying to calculate how much money i wanted my wife and son to have in the event of my death. it was a real roller coaster. the reality though, is that it was just part of being an adult.
as to the original poster, i agree with her choice to sell the house and let the car go back to the lender. i agree with her decision to move, if for nothing else than an opportunity to gain some perspective.
i think rules are made to be broken, and this one-year rule is no exception. being a grown up is hard business, but it sounds like this major catastrophe was handled with as much grace and strength as could be expected of anyone, let alone a young adult.
best of luck…
I'm so sorry for your loss.
Thank you for your story. It was inspirational.
This is also one of my greatest fears.
I think one of the major lessons to be learned here also is to really look at how much your spouse's life insurance would cover. Last year, I tried to figure out a way to take a life ins. policy payout and see if I could make it produce income for me and the girls, like a rental property. We're already debt free and with keeping other expenses love, I was looking for something that would allow me to stay at home with them at least for a couple of more years (SAHM) until I figured out what I wanted to do and they would both be in school full-time. Time for me to recover and to be there for them still. Morbid yes, but a reality for some.
33Thank you so much for all of your comments. It was a wonderful gift to be able to share my stories with you.
For some of your specific comments:
@Claudia – I had an active yoga practice at the time and attended a two-week retreat so that I could move away all the daily survival clutter and clear my mind for what I wanted to do next. I also attended a widow get-together that included people who were farther down the path than I was which helped me get perspective on what was to come.
@ Rachel211, I also completely agree with you. My husband and I had intended to wait 6-months and then extend our insurance coverage (what can I say, we were young?) he got sick at 4-months.
@Skeptical Housewife – in total we/I had the house less than 18 months, my husband was rarely seen on the property, so I imagined that it looked like we had either financially gotten in over our heads or that we had split up.
@Matthew – I was incredibly supported by an online group called WidowNet. Although I haven't been there in a few years (so the dynamic may have changed) there were newly widowed and young widow groups. The bizarre social dynamics of widowed young (it was less than a month before someone asked when I would start dating) and the relative rarity was a huge resource for me.
Hi Heather,
My story is similar to yours, but I was older (50).
My husband had a major heart attack and died from it, but he had no life insurance. We also had a dream house (his dream, not mine) and I didn't have a great job.
After 6 months, I sold the house and moved to a townhome nearby. It cost half as much as the big house. We had a small business, which I still have, and it helps supplement my salary. I eventually got a more stable job with benefits, including tuition reimbursement. In a couple of years I will have my Bachelor's Degree. Things have gotten better, and I have learned a lot. I am also getting my finances under control. Good luck to you and thanks for your story.
Thank you for sharing your story. I just turned 27 in July. My husband was killed in a work-related accident nine days after his 27th birthday in January 2010. I have done pretty well financially, and your story has given me some more things to think about. It is comforting to know that there are others in the world that have gone through what I am going through.
People all grieve differently and it's so wonderful to hear that your way of grieving was to "do something."
What a great show of character that you were doing things that were therapeutic and productive at the same time. My husband and I both had dads that died in their 50′s, so we have the life insurances, etc.
It's so inspiring hearing about how strong people can really be once they are put into a tough situation. Gives us all hope.
I too am a young widow. My husband died a few months ago. I am 29. If it weren't for the forethought of his employer to provide everyone with life insurance, I would be in a really difficult place. I also had to get my financial house in order in a hurry. No matter how many eyebrows I raised, I did what I had to do to stay solvent. I know you aren't "supposed" to make big decisions the first year, but sometimes you are forced to. I think you've done all the right things here and put your "new" life on course in a good direction. Kudos to you for sharing something so difficult. Take Care.
Very sorry for your loss.
You mentioned 'voluntary repo', I'm curious as to why you did that? Could you not have just sold the car?
I've never heard of this 'wait a year' thing before. Is that really a common expectation?
I'm sorry for your loss, and I am impressed by your resilience.
Sam wrote, "i'd start off by saying that whenever you have responsibilities, financial or otherwise, you need to make a plan for those things taken care of…"
I agree.
While I am single and childless I still have parents and a mortgage. Even though my parents can be sensible about financial matters I've been told that the death of a child is one of the worst things to go through. So, I don't want them to have to prepare my condo for sale so soon after my death. Plus, they are nearing retirement age. While they could handle a funeral and burial, adding a second property to their costs would be a bit much for their retirement income. That's why I opted to take the life insurance offered by my employer (1 year's worth of salary). This way, if I did die at least my parents would have some time to grieve before having to deal with selling my home.
Heather, thanks for sharing your story. My condolences for your loss, and my congratulations for realizing that changes needed to be made and having the courage to act.
@38 Sounds like they had less than a year into the ownership of the car. The driven-off-the-lot depreciation of the first year on a new car is pretty steep. I would guess that what she would have made on the resale may not have covered the remaining principal. Plus she would have had the hassle of selling a car in a stressful time, with no agent working for you as is the case with real estate.
So, in this rather limited case, I'd say a voluntary repo may have been a pretty shrewd decision.
Thank you for sharing your story. This is one of my biggest fears, too. That's why my partner and I have a joint policy.
It's enough to cover our debts as they are now, and a funeral, but not enough to replace income for long. As the debts get paid down, it will give us more flexibility. Our lifestyle is sustainable on one of our incomes if the debts are gone.
Heather, kudos to you for taking control of your life during such a difficult time. I know firsthand that this kind of loss can be paralyzing. It is very easy to fall into a pattern of simply existing instead of LIVING when you are feeling so overwhelmingly sad and lonely, but you didn't let that happen to you.
I wish you the very best of luck as you continue to move forward and establish your financial independence.
My condolences. I'm glad you seemed to have done so well since then!
As a ton have people already have commented, thanks for showing me that you can manage even if the worst happens. Your stength and resilience is inspiring.
I give you a lot of credit for sharing your story, and being so brave as to make positive changes in your life so quickly. I'm sure it would have been easier to grieve and not make any changes. Best of luck in the future!
wow, what a touching post, i really enjoyed reading it! a couple of things that stood out to me was how hard it must have been to worry about finances while going through what must have been a difficult time in your life. many people chose to ignore the finances during times like that, which will hurt them in the long run. i am glad you came out of this horrible situation ready to start over, and i wish you the best of luck!
Preferred Financial Services Blog
Just wanted to mention to those who say they will wait until they have kids to get life insurance…if you PLAN on having kids it might be wise to get the insurance first.
I am so thankful I had already gotten my life insurance before my kids were born (I actually found out I was pregnant during the whole application process). I ended up with gestational diabetes (twin pregnancy) and was later denied further coverage. I tried to buy some of the additional life insurance offered through my employer, but was denied based on the gestational diabetes. I was very upset especially since I am fine now, but I am considered a greater risk going forward. Fortunately, I have my existing policy.
I am by no means an expert, and there may be many other options out there. I have not done the research. I just wanted women to know that pregnancy can drastically change your medical condition/ability to get coverage.
Considering the emotional devestation you experienced, I think you handled the situation extremely well, Heather. You are a very strong woman!
I would advise people not to wait until they have kids to purchase life insurance. The time to buy a 20 year term insurance policy is when you are healthy! No one expects to be diagnosed with something such as hypertension or cancer, no one expects to die young. Purchasing life insurance while you are young & healthy greatly reduces cost. These days, just high cholesterol or family history of cancer can effect your insurability or rates.
I know, because I battled cancer at 42. If I were applying for life insurance now, I wouldn't quality or it would extremely expensive. I got a 20 year term policy at 32, and it's good for another 4 years, then the rate slowly rises annually. I also have life insurance through work. My spouse won't be able to completely eliminate all debt, but he'll be able to refinance and have a very small mortgage.
He also has good life insurance, renewed a 20 year term policy at age 47. It assuages my anxiety to know that if something happens to him, I could live debt free and focus on recovering emotionally instead of stressing about money.
Get life insurance while you are young and healthy, even if you aren't married yet, even if you don't have kids. It's relatively inexpensive if you purchase it when you're youn g & healthy, and it's worth it.
Wow! What a resilient young woman! And how very smart…you made all the right decisions under very difficult circumstances.
It's really important for any couple who owes a mortgage on a house to carry enough insurance on each party to cover the loan. As blithe as my ex- was about debt, he did at least carry enough insurance that I wouldn't have been forced to move out of the house if he died.
Now…if he'd been disabled and couldn't work, that would've been another matter. It's not necessary for one partner to die for a couple to be thrown into desperate financial straits. Disability insurance as well as life insurance is crucial for any couple who owes on a house and cars.


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Credits & Info
- Uploaded
- Nov 14, 2009 | 3:16 AM EST
- Daily Feature November 15, 2009
- Weekly 3rd Place November 17, 2009
If you liked this, check these out!
Author Comments
Music video for Agemixer theme "DA SHIT" yes, I've changed the title.
It contrasts with all the violent stuff I've made before and looks kind of positive also it's more abstract and assosiative than other movies here, but if you'll look deeper it even has a plot.
Also I don't know what else should I write here...
yesh, it contains fullbody samurays, 3d vector moving forms, some funny cute characters and, yeah... sticks...
Enjoy seeing this.
somethings a little wrong with the preloading line, so wait till 5,8 mb will be downloaded (pease)
Rated 5 / 5 stars November 14, 2009
Pretty hypnotic
And the tune isn't very predictable, nice work.
Rated 5 / 5 stars December 3, 2009
Immensely entertaining! The sheer mayhem and precision of it reminds me a bit of FLCL, Franz Ferdinand, and Madness. I applaud you- this definitely takes an element of skill.
Rated 5 / 5 stars November 17, 2009
kewl :D
whoah damn i loved every second of that
Rated 5 / 5 stars November 19, 2009
nice, nice.
sorry written made to much stuff cant think of anything to say sorry!
but you know what i mean it was very good
Rated 5 / 5 stars November 19, 2009
eah diablo
super algaro, en serio, en que pensabas mientras hacias esto?! fantastico, me encanto, de veras!


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Adding Color and Pattern to Wood Floors
Painted wood floors create controversy regardless of color choice, so let's set aside the feeling that painting of wood floors is a sin and simply embrace the uplifting energy that a fresh coat of paint can add to flooring.
Painting a floor is a trick that usually is reserved for turning a floor that is beyond repair into a stunner on a budget. Just remember to use paint specific for flooring so that you don't have to re-paint after every high heel that walks through your house.
1. Mary McDonald on Casa Sugar
2. Bold Chevron stripes from House Beautiful
3. Mint green stairs add a retro touch to a beach house from Elle Décor
4. Monochromatic blue floors in a boy's bedroom from House to Home
5. Painted floors in Jason and John's house tour
(Images: as credited above)
9 Comments
really like the nightstands and the grey bed in the 4th one!
Absolutely love the beach house stairs. Makes me wish my stair treads weren't in such good shape so I could paint them a fun color without guilt.
I hate parquet floors, but the painted version is genius.
I love the way a painted floor almost " commands" the attention..
lovely post.
Love it! We have very old pine floors in our bedroom that my husband stripped - but they are 100+ years old, so look pretty beat up. I wish we had painted them! (not that I'll tell him that).
beautiful !!!
love the formal dining room, and the informal muddied boys' room.
w/ exception of the stairs tucked into a recess, these "effects" are dreadful; they chop up the spaces visually & do not respect the floor material.
I love these paint jobs on floors and am about to embark on a similar face-lift job in my own home. Thanks for the inspiration
I was hoping to see something with parquetry, glad I wasn't disappointed! Taking advantage of the blockiness like the 5th picture is genius. We have terrible looking parquetry in the hallways and all bedrooms.
So, I've heard that marine paint is the way to go if you want to do this and have it last. Does anyone know if that's right?


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Stefan Wessels
- Born: 28/02/1978
- Birthplace: Rahden, Germany
- Nationality: Germany
- Apps/ Goals: 7 (0) / 0
- Debut: v Man Utd, Goodison Park, 15/09/07
Stefan joined Everton three games into the 2007/08 season.
Wessels signed from German side FC Cologne on a one-year deal.
The goalkeeper arrived on Merseyside following a seven-day trial in August.
Stefan's career bagan at Bayern Munich and he broke into the first-team squad during the 1999/00 season, deputising for German international Oliver Kahn.
He made his debut for the Bavarian giants against Glasgow Rangers in the Champions League in 1999 and was later involved in their 2001 Champions League truimph.
However it was proving to be a difficult task to dislodge Kahn from the number one jersey and the 28-year-old joined FC Cologne in 2003 in search of first-team football.
Wessels' time at Cologne was eventful as the Club have yo-yoed from the Bundesliga One to Bundesliga Two.
Due to an injury to Tim Howard, Stefan was handed his Everton debut against Manchester United in September 2007 and continued in goal for the games against Metalist Kharkiv, Aston Villa and Sheffield Wednesday.
He made subsequent appearances against Oldham and AZ Alkmaar in the cups, but wasn't retained by David Moyes at the end of the season.
A return to Germany with VfL Osnabrück quickly materialised but the stopper was soon on the move again, joining Swiss side FC Basel.
Yet just one appearance during the 2009/10 campaign led to him being released at the end of that season and he spent six months without a club before agreeing terms with Danish outfit Odense in January 2011.
Apps. (Subs)
Bayern Munich
13 (3
- Previous Player Li Tie
- Next Player Alex Nyarko


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June 5, 2013 / Posted in:
Mike Barrett breaks down his predictions for the lottery teams of the 2013 NBA Draft.
I think a better nickname for Wallace is "Grenade". It fits better plus everyone gets to yell BOOM! when he slams it.
You think Brandon is back
please tell me he is because I'm going to shoot myself for purchasing $400 tix and getting early access!!! I was hoping to get my jersey signed. *sigh
mike, I purchased tix for Fridays game against the raptors earlier thie year to see B.Roy play... Do you know if he will be travelling with the team?
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The mitochondria are the cells' energy powerhouses, and coenzyme Q10 (CoQ10) is an essential component of healthy mitochondrial function.1 CoQ10 is required to convert the energy from fats and sugars into usable cellular energy. Yet, the body's production of CoQ10 declines significantly with advancing age.2 With an ample amount of CoQ10, mitochondria can work most efficiently throughout the entire body — including the most densely populated area, the heart.3 CoQ10 is also a potent antioxidant, helping protect proteins, and DNA of mitochondria from oxidation and supporting mitochondrial function.1
More people are supplementing with CoQ10 than ever before. One reason is increased awareness that statin drugs used to lower LDL and cholesterol deplete CoQ10 levels in the blood, and possibly the tissues.4,5
What most doctors don't know, however, is that normal aging may result in more of a reduction in CoQ10 than taking statins. For example, while statin drugs have been shown to reduce plasma CoQ10 by nearly 40%,6 the aging process reduces CoQ10 levels in the heart muscle wall by 72%.7 What is particularly concerning is the deficit caused by the dual effects of aging8 and statin drug use that can result in severe depletion of cellular vitality.6
Why take SMART Q10™ CoQ10? The CoQ10 in this formula has been clinically shown to support cardiac, neurological and immune health. It is absorbed into both your bloodstream and cells. The chewable tablet allows for immediate release and immediate benefits. It is CoQ10 in a pure, natural form - not synthesized.
Serving Size 1 tablet
Servings Per Container 30
Total Carbohydrate
2 g
< 1 g
Vitamin E (as d-alpha tocopheryl acetate)
Natural Coenzyme Q10 (ubiquinone 10) (Vitaline® brand)
100 mg
Other ingredients: dextrose, rice maltodextrin, fructose, natural flavors, silicon dioxide, tricalcium phosphate, magnesium sulfate, safflower oil, and soybean oil.
Contains no salt, yeast, wheat, gluten, corn, dairy products, artificial coloring, artificial flavoring, preservatives, or ingredients of animal origin. This product contains natural ingredients; color variations are normal.
If pregnant, nursing, or taking prescription drugs, consult your healthcare practitioner prior to use.


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Management Major
Associate Degree Course Sequence
SSC101 Student Success Seminar
ENG124 College Composition
AOT130 Communication & Transcription Skills
AOT121 Keyboarding/Formatting
ITD122 Computer Applications for Professionals
BUS121 Business Administration
AOT127 Word Processing Microsoft Word
MGT121 Principles of Management
AOT132 Records Management
ITD108 Microsoft Outlook
MTH108 Exploration in Modern Mathematics
AOT226 Spreadsheets Microsoft Excel
AOT227 Administrative Procedures & Systems
PSY121 General Psychology or SOC121 Sociology
MGT221 Supervision
SOC225 Cultural Diversity
ACC227 Payroll Accounting
ACC121 Principles of Accounting
ACC130 Business Law and Ethics
COM121 Effective Speaking
AOT232 AOT Practicum
ACC229 Computerized Accounting Applications
Technology and organizational restructuring have led the administrative office professional to assume responsibilities once reserved for managerial and professional staff. While the core responsibilities for the administrative office professional have remained the same, this position is now handling more managerial/supervisory duties, such as higher level decision making, project coordination, payroll, conflict management, Internet research and information management. The administrative office technologies department utilizes alternative delivery methods. Many courses are Web-enhanced or Web-delivered. Day, evening, Saturday and once-a-week sessions are offered.
The goal is that graduates will be able to organize work areas, use resources, make decisions and exhibit proficiency in the use of administrative procedures and information systems used in automated office environments; apply practical knowledge and utilize technical skills such as keyboarding, voice recognition, proofreading, document production, integrated computer applications, records management, payroll, and Internet usage; demonstrate employability skills and professionalism through sound work habits, ethics and responsibility, and work in individual, team and group settings; communicate ideas and information verbally and in written form; have computational skills for solving business problems and for making analytical judgments; acquire, organize and evaluate information for making decisions and solving problems in business environments.


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Yesterday, these were on an end cap display called "New Items" or "Just In" or something like that, that I never noticed before, though perhaps this store has had it all along--it's near the chips and stuff I don't tend to look at. It's a wheat based cracker credited as Sardinian, and the package isn't kidding when it says 'paper thin'. To show that, I deliberately took this picture of a cracker standing next to the box where you can easily see the difference between the box and day light behind it.
They are as fragile as they are thin. You cannot dip them, nor could you spread anything on it. But they are also as good as they are fragile. Tasty tasty tasty, with a delightful saltiness. We ate a few last night with just a thin slice of Muenster cheese laid atop. The cracker in this picture was not a full-sized piece--each is actually about 5 x 6 inches--and there are about ten per box. Not a lot of product, but enough joy for two and a bottle of wine.


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Title IX/Gender Equity
The average size of current Women's Equestrian Teams is 46 with a range from 20 to 85 athletes. Equestrian can have tremendous impact for universities in need of gender equity. NCAA allows The sport of Equestrian 15 scholarships. Equestrian has an average GPA of 3.3.
New/Untapped Donor Base
The horse industry has over a $112 billion dollar economic impact each year with over 7 million Americans involved. Many programs have found new sponsorships with feed, animal health products, apparel and trailer companies. NCEA currently received support from United State Equestrian Federation, American Quarter Horse Association, Farnam, Aflac, National Reining Horse Association, Dover Saddlery, Adequan, ExtraCo Event Center, Ariat, Ortho Equine, Purina Mills, and United States Hunter Jumper Association.
Student Athletes
There is already a large pool of student athletes on your campus! Equestrian is a sport that attracts many young college students. The number of riders participating in tryouts ranges from 5 to 120 with an average of 46 athletes on a team.
Equestrian athletes tend to be strong students with high grade point averages and graduation rates. Equestrian grade point averages rank among the highest of all student athletes at sponsoring institutions.
Television/Media Exposure
Major networks already carry equestrian activities (NBC, ESPN, Outdoor Life Network, TVG, and College Sports TV). The Varsity National Championship has been televised on both CSTV and OLN.
Cost per Student Athlete
Equestrian ranks among the least expensive sports at $3-7,000 per student athlete. Total operating expenses range from $100,000-450,000.
Competition Format
Athletes, coaches and fans enjoy the flexibility of equestrian. Teams compete in a head-to-head or in a tournament style format. Each team is required to ride the same horse and judges' scores are compared across horses. The host school provides the horses and tack at each competition, so hauling horses is not required. The format includes two hunt seat events; equitation over fences and Equitation on the flat and two Western Events; Reining and Horsemanship. A university may choose to offer only English or western based on the student body's interest.
Post-Season Competition
The NCAA Equestrian competition season culminates with the National Collegiate Equestrian Associations Championships, the precursor to the NCAA Equestrian National Championships. Each year there are three titles at stake: Overall Team Champion, Hunter Seat Team Champion and Western Team Champion.
Recently All-American Title has been added to Championships. The nation's top riders compete to be the best in their event. The competition for All-American is based on the riders success throughout the season and awarded at Championships in Waco, Texas in April.
Another event recently added is an individual Invitational competition at an open show in February the World Equestrian Festival in Florida. Riders from the top Universities compete on sale horses in an equitation class during the show. This provides NCAA Equestrian riders to be showcased within the horse industry!
Currently, NCAA allows each program to have one head coach and two assistant coaches. Most programs have at least 2 full time coaches.
In most cases, programs have met their horse needs through individual donations to the animal science, athletic or university foundation and/or from a pre-existing club team. Some programs choose to lease or borrow horses instead of owning. Each team has an average of 40 horses.
Institutions with existing equine and/or animal science departments will typically already have facilities on campus. However, the minimal requirements for any program are: riding area, jumps, stalls/paddocks for horses, tack (saddle, bridle, etc.) and storage. Generally, facilities will be the largest part of the budget for an equestrian program. Southern Methodist pays one flat fee per year and the facility provides horse, practice facilities, tack, vet services and feed. Others, such as Kansas State and the University of South Carolina lease a privately owned stable.
Current programs have been able to envelop Equestrian within their athletic department policy.
Many programs have tapped into the local horse community to help offset cost. Oklahoma State University was able to acquire sponsorship for a horse trailer and jumps while securing deals with western wear stores for uniforms. You will soon discover there is an untapped market and unique interest group available to you.
Our Mission: To advance the sport of Equestrian from Emerging to Championship status with the NCAA by promoting the benefits of Equestrian to universities, riders, prospective student-athletes, parents, horse industry professionals and sponsors while developing the rules and competition format.
Contact Us: P.O. Box 712, Waco, TX 76703 or firstname.lastname@example.com.


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Fisheries Activist on MH370
14 Mar 14
Our friend Chandrika Sharma, a tireless advocate for the rights of fisherwomen, was one of the 239 passengers on the Malaysia Airlines plane that disappeared while crossing the South China Sea last weekend. Chandrika has long been known as a passionate and effective professional whose work globally has focused on defending the rights of coastal communities, small-scale fishers, indigenous and gender rights in international fisheries and aquaculture. In recent months, she played a key role in negotiations between governments, civil society organizations and small-scale fisheries at the Food and Agriculture Organization (FAO) in Rome to develop "Voluntary Guidelines to ensure the sustainability of small-scale fisheries in the context of food security and poverty eradication," a hard-hitting document based on human rights, respect for cultures, non-discrimination, fairness and gender equality. Michèle Mesmain, coordinator of the Slow Fish campaign, met her during the last FAO technical consultation in February: "I was struck by her relentless courage and her inclusiveness. She is a warm yet firm person, clearly driven by the urgency to protect the rights of those who do not have a voice." For Juan Carlos Cardenas, director of the NGO Ecoceanos Chile, who has worked for years with Chandrika, the news of the disappearance of the plane, "is a severe blow to all organizations and citizens fighting against destructive social, environmental, cultural and economic impacts the neoliberal model has on our seas and coasts... Chandrika has brought humility, hard work and strategic vision to the global movement for women's, citizens and fishers rights, both through educating and as a role model for others." One of her most recent interventions was captured in the film Chronicles of Oblivion, which will be shown at the end of March during the Fishers of the World film festival.
The Malaysia Airlines flight MH 370 from Kuala Lumpur to Beijing plane has been missing since Saturday, March 8. Naval and air patrols from different countries in the area have been conducting search operations in the race to find the plane. Our thoughts are with the families and friends of those on board. Sources: ecoceanos.cl and l-encre-de-mer.fr
Search the Slow Stories archive
Slow Food Hosts EU Ministers for Agriculture and Fisheries
Italy | 30/09/2014 | 28 Ministers convened at UNISG yesterday and discovered Slow Food products and producers from around Europe…
Octopus with Roasted Bananas
Sao Tomè and Principe | 26/09/2014 | From São Tomé and Príncipe, a recipe from João Carlos Silva, one of the many talented international chefs...
Europe at Salone del Gusto
Italy | 24/09/2014 | From the cheeses made around the Mediterranean to the immense heritage of medicinal herbs, preserves and...
EU Ministers for Agriculture Meet Slow Food
23/09/2014 | 28 ministers will come to the University of Gastronomic Sciences on September 29 to discover Slow Food...
182 Slow Wineries
Italy | 23/09/2014 | We share with you our list of Italian wineries recognized by the 2015 Slow Wine guide for their exceptional...
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TripAdvisor ratingRead reviews
Hilton Heathrow Terminal 5
Hilton Heathrow Terminal 5 boasts spacious rooms and one of the largest events spaces in the UK. Also available to hotel guests and to non-residents is a choice of stylish restaurants and bars, and the superb facilities of a luxury spa.
Stay connected thanks to complimentary WiFi, available throughout the hotel, or watch a movie on the 37-inch LCD TV. Each guest room features sound-proof windows, blackout curtains and a work area with ergonomic desk chairs to allow guests to work or relax in peace.
Exercise in the complimentary 24-hour Fitness Centre, and book a session in the sauna to keep limbs supple after a strenuous workout. Enjoy a relaxing massage or personalised beauty treatment in the luxury spa.
Accommodation details
Address:Poyle Road
Heathrow Airport
United Kingdom
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Sleeps 2, Bed Type: King(s) In Room Movies, Private bathroom, Satellite television, Air conditioning, Television, Trouser/Pant press, Minibar, Refrigerator
General facilities
- 1 Pool
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- Safe deposit box
- Spa
- Complimentary in-room coffee or tea
- Business center
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- Concierge desk
- Elevators
- Exercise gym
- Sauna
- Non-smoking rooms (generic)
- Jacuzzi
- Internet services
- Ironing board
- Beauty shop/salon
- Laundry/Valet service
- Hair dryer
- 2 Lounges/bars
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Workforce development experts to discuss global youth employment crisis at DC policy forum
September 30, 2014
Leading workforce development experts will discuss the global youth employment crisis at a policy forum at the National Press Club in Washington, D.C., Oct. 15.Read full story →
Study: Mass rape occurred during post-election violence in Kenya
September 23, 2014
New evidence shows mass rape occurred during the post-election violence period following the 2007 presidential election in Kenya, according to research by RTI International, Physicians for Human Rights, Boston University School of Public Health, Moi Teaching and Referral Hospital, and Nakuru Provincial General Hospital.Read full story →
Global rates of violent crime can be halved with the right policies, experts say
September 18, 2014
Levels of violent crime such as intimate partner violence, child abuse, murder and gang violence could be halved in 30 years if governments implement the right policies, according to leading researchers at the World Health Organization and University of Cambridge Global Violence Reduction Conference 2014.Read full story →
RTI In The News
HBCUs move to address campus sexual assaults, but is it enough?
–NPR, September 29, 2014
Intimate partner violence: What we tell our children can make a difference
–Robert Wood Johnson Foundation Human Capital Blog, September 29, 2014
Child maltreatment underreported in Medicaid claims, study finds
–Health Canal, September 25, 2014
Making political will work for health systems
–USAID LMG Blog, September 25, 2014
For first time, two districts win 2014 broad prize: Gwinnett county public schools, Orange county public schools share $1 million award
–Yahoo! News , September 22, 2014


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Music & Tech Around The Web: SXSW Tips, Olympic Tunes & More
Happy beginning of the next week in the rest of your life, chums. Here are some links to get you started on your arduous journey.
* Hint, the answer is not just "practice": How Your Band Can Perfom @SXSW
* Pandora flaunts some numbers: Pandora registers 54.9 million active listeners in July, sees 48% growth in 12 months
* Music to watch other people exert themselves to: Are You An Olympic Slacker?
* Every cool cat's dream: Sol Republic makes $1,000 cat earphones
* That's why the dude was nominated for an OMA: Damon Albarn Is the Appiest Man in Show Business
* Someone sample this kitty: Bub Sounds


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Home › Polo Shirts › Sports and Training Polo Shirts › Gamegear › Gamegear Cooltex Pro Club Top
100% Polyester with moisture management finish. 'V' front neck with a 1x1 contrast tipped flat knit collar. Contrast tipping around 'V'. Raglan sleeves. Contrast panels on upper sleeves and side seams. White binding down front and back upper sleeves. Straight front hem curved back hem. Gamegear® /Cooltex® label printed on the inside back neck. Cooltex® woven label sewn in outer side seam.Size Chest to Fit: S - 38", M - 40", L - 42", XL - 44", XXL - 46/48"Fabric: 100% PolyesterWeight: 190gsm
EMBROIDERYSetup: FREE Existing logos: FREE New logos: £25 set up charge No minimum quantity for embroidery. £1.95 application per position per item. * £1.95 is based on 10,000 stitch count. Fees may vary for larger stitch counts.
Orders over £100 will receive free set up costs regardless of whether using a new or existing logo. The £100 order total must exclude any set up costs to be eligible.
Please click here to view the Kustom Kit Game Gear size guide.
Delivery is FREE for all orders over £100 net and just £4.95 for orders under £100 net. We use DPD as our preferred national courier.
To read our full Delivery Policy please click here.


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MOSCOW -- At least 44 people were killed when a passenger plane broke up and caught fire on coming into land in heavy fog in north-western Russia, an Emergency Ministry spokeswoman said on Tuesday.
The Tupolev-134 plane, carrying 43 passengers and nine crew, crashed near a road about 1 km (0.6 miles) from the runway at the Besovets airport outside the northern city of Petrozavodsk at about 11.40 p.m. local time (1940 GMT) on Monday.
Photographs on the www.lifenews.ru Internet news website showed firemen battling with fires among the wreckage of the plane, which crashed about 700 km (430 miles) north of Moscow.
The news site, which posted a full list of the passengers, said a 10-year-old boy named Anton had survived the crash but gave no details about his condition.
The crash comes on the eve of the Paris Air Show which Russian Prime Minister Vladimir Putin is due to attend.
The plane, operated by the private company RusAir, was traveling from Moscow's Domodedovo airport. RusAir, which specializes in charter flights, declined immediate comment.
Most of the passengers were Russian but a Swedish national was also on the aircraft, Interfax news agency said.
The Tuploev-134 is a Soviet aircraft whose maiden flight was in 1967. It was unclear when the plane which crashed was made.
The aircraft's black boxes have been recovered.
Russian President Dmitry Medvedev, who has swapped his Tupolev for a French-made executive jet, in April criticized flaws in domestically-built planes and the nation's poor safety record.
One of the most high-profile Tupolev air disasters in recent times occurred in April 2010 when Polish President Lech Kaczynski's official Tupolev Tu-154 plane crashed near Smolensk airport in western Russia, killing 96 people including Kaczynski, his wife and a large number of senior officials.


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Boxford teen threatens to shoot classmates, school officials: Report
A Boxford teenager made threats involving shooting a fellow student and administrators at Essex Agricultural and Technical High School in Danvers after he claimed they didn't respond to his complaints of being bullied.
Tyler Huntress, 17, was initially turned in to police by his girlfriend, to whom he sent a series of text messages that mentioned blowing up or burning down the school and dismembering and torturing classmates, the Salem News reports.
In one text, when the girl advised Huntress to "forget" the school, he responded by saying, "I need revenge." She also told police she saw photos of him on Facebook holding a gun.
Huntress was arrested at his home, where police recovered several knives and two computers. He will plead not guilty to making the threats, but has admitted that he was "very angry and upset" and was simply "venting."
His lawyer described Huntress as a "very troubled young man" who was dealing with his parents' "very contentious divorce" at the time of the threats, the article continues.
Follow Metro Boston on Twitter: @MetroBOS
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Canon PIXMA MG4250 All-In-One Wi-Fi Printer.: 911/4337
- + Free Delivery
The Canon PIXMA MG4250 is a compact and advanced All-In-One with print, copy and scan functions. With Auto Duplex, colour screen and Wi-Fi, it offers smartphone and Internet printing plus Apple AirPrint support.
Scanner and copier:
General information:
* Please note item 9114337 has previously been on sale at 49.99.
Prices correct as displayed but are subject to change
1) McAfee Livesafe MultiDevice only £19.99 when bought with any printer. Offer ends 16 January 2015.
2) Get 10% off 1 Canon selected ink when bought with selected Canon printers. Offer ends 16 January 2015.
3) Get 10% off 2 Canon selected inks when bought with selected Canon printers. Offer ends 16 January 2015.
4) Get 10% off 3 Canon selected inks when bought with selected Canon printers. Offer ends 16 January 2015.
Get longer to pay with the Argos Card
Canon PIXMA MG4250 All-In-One Wi-Fi Printer. 911/4337
Cash price £59.99
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Monday - Friday between 7am and 8pm. Next day no additional charge. Saturday no additional charge. Order before 5pm for Next day delivery. Saturday between 7am and 6pm.You only pay one delivery charge per order. If ordering several items, it will be the highest of the individual charges, no matter how many additional items you order.
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View Single Post
Black Bear
Join Date: Jan 2008
Location: Douglas/Clark County, IL
Posts: 384
I just got back from my 2nd hog hunt...4 days in OK...and I am still hogless
Last time I greatly underestimated these ugly, ugly critters so I figured this time I would get one for sure. Neeless to say, I flubbed both opportunities. First time I had a good boar under the feeder with several other hogs. I waited for a decent shot and when I let go, my broadhead just nicked the edge of the feeder leg sending it well clear of the boar. Dang the luck
(Or maybe I just need more practice
) The only other shot I took was during the last minutes of the last day at a small hog which I hit high. It was a pass thru but didn't even leave a blood trail. I hated that, as I am not one for wounding. I had a great time though, good group of fellows I hunted with and I didn't have to be at work
If anything, I am more determined than ever to get a hog....surely I can't get skunked three times in a row
Kim R
PSE X-Force SS
Wac 'Em Tritons
You have succeeded in life when all you really want is only what you really need---Vernon Howard
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Twilight film studio Summit Entertainment announced today that a one-time marathon showing of all five Saga installments– Twilight, The Twilight Saga: New Moon, The Twilight Saga: Eclipse, The Twilight Saga: Breaking Dawn - Part 1 as well as the newest and final chapter, The Twilight Saga: Breaking Dawn - Part 2 – will hit theaters on November 15th.
The marathon will take place in the United States and Canada on November 15th, with all four previously released installments leading up to a special 10:00 p.m. showing of Breaking Dawn – Part 2 for one price.
Marathon prices are set to vary (set by individual theaters), but some theaters will show individual performances of Breaking Dawn - Part 2 at the same time (10:00 p.m.). Attendants of the marathon showings will, however, receive special lanyards (to house their tickets) and interstitial content in between the film showings.
So, will you hit up the marathon on November 15th? Why or why not?


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Definition of lightwood in English:
lightwoodLine breaks: light|wood
Pronunciation: /ˈlʌɪtwʊd /
1chiefly Australian A tree yielding timber that is pale in colour or light in weight.
- Several species, in particular the hickory wattle
More example sentences
- She had done the room in butter yellows, forest greens and lightwoods.
- The door was a lightwood and had needles, thread and thimbles painted around the border.
2 [mass noun] US Firewood that burns easily and with a bright flame; kindling.
More example sentences
- The third floor was a carpeted hallway of lightwood and floor lighting.
- We might have made it from paper and string and lightwood or assembled it from plastics and hard-to-understand instructions.
Definition of lightwood in:
- The US English dictionary
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Teachers Are Unsung Heroes To Our Children
Dear Editor: My wife and I have owned our home in the Estes Valley for a number of years-enjoying it as our work schedules permitted. ln August of 2008, we were fortunate to retire and move here permanently. As long distance property owners, we kept up with the many successes and challenges facing Estes Valley through the weekly delivery of the Trail Gazette and the Estes Park News. One of the issues I foll ...Read more ›


text:
To perform a search, enter a keyword, phrase or item number in the search field and click "search."
We offer two ways to locate information:
Light to medium bodied wines that are high in acid and light to medium fruit. Typically no oak.
Light to medium bodied wines with lots of juicy fruit, typically medium acid and medium oak.
Full bodied wines that have typically undergone malo-lactic fermentation and/or spent time in oak.
A very clean, fresh and crisp Sauvignon Blanc; Lush aromas of citrus zest, pineapple and guava on the nose, while the palate exhibits fresh-cut grapefruit and Meyer lemon. A wonderful apéritif wine that pairs well with lighter white fish, green salads and goat cheese. 100% Sauvignon Blanc
"Green apple and honeydew melon notes are fragrant, fresh and refreshing, leading to honeysuckle, mineral and fresh thyme aromatic details on a smooth frame. Drink now. 20,000 cases made."
88 Points
Wine Spectator
"If you drink this wine too cold, you'll miss the nuances behind the pineapple, orange and spice flavors. There's a minerally undertow, and some interesting herbal notes."
87 Points
Wine Enthusiast
Thirty years after first planting its vineyards, Girard continues to produce wine reflecting the quality that has made Napa Valley the most famous New World wine growing region in the world. Napa"s rise to fame was punctuated by a renaissance that began at the same time Girard was setting down its own roots.Today, Girard is experiencing a similar rebirth of sorts. Longtime...Read More About Girard
It's hard not to think of Napa Valley when thinking of California wines. The region is, after all, the one that brought world recognition to California wine making. The area was settled by a few choice wine families in the 1960's who bet that the wines of the area would grow and flourish. They were right. The Napa wine industry really took off in the 1980's, when vineyard...Read More About Napa Valley
Sauvignon Blanc
(so-veen-YAWN blahnk)
One of the most distinctive grapes, Sauvignon Blanc is a highly aromatic variety
that does well in both the old and new world. From the Loire
Valley of France to Marlborough
in New Zealand, Sauvignon Blanc has found many regions that bring out its unique
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text: Mila Kunis By Kidd Kraddick in the Morning July 15, 2011 11:41 AM Share on Facebook Share on Twitter Category: Share on Facebook Share on Twitter More Leave a comment Send to a friend! Print this page Pin it! Reddit This! Share on Tumblr! More from K945 Guy Builds HUGE Lego Contraption … Thing. Woman Playing the Flute Doesn't Flinch When a Butterfly Lands on her Face Guy Gets Robbed Wearing a GoPro Everything You Need to Know About Louisiana Film Prize, Festival, and VIP Passes [AUDIO] Best of the Web


text:
KDE's UI To Bend Toward Simplicity 184
Posted by timothy
from the bringing-the-good-stuff-to-the-surface dept.
from the bringing-the-good-stuff-to-the-surface dept.
sfcrazy (1542989) writes "KDE Software is often criticized for being too complicated for an average user to use. Try setting up Kmail and you would know what I mean. The KDE developers are aware of it and now they are working on making KDE UI simpler. KDE usability team lead Thomas Pfeiffer Thomas prefers a layered feature exposure so that users can enjoy certain advanced features at a later stage after they get accustomed to the basic functionality of the application. He quotes the earlier (pre-Plasma era) vision of KDE 4 – "Anything that makes Linux interesting for technical users (shells, compilation, drivers, minute user settings) will be available; not as the default way of doing things, but at the user's discretion."


text:
challenging, super interesting, wonderful teacher!!! he takes color correction to the next level
This course will focus on some of the more advanced techniques of LAB color correction. The course will cover a workflow that begins in RGB and ends in LAB for the purpose of color enhancement.
Get instant access to this course & more
An introduction and overview of the course
What happens when LAB has colors that are outside not just the CMYK, but the RGB gamut.
How imaginary colors give LAB the advantage over working in RGB or CMYK
Retouching blown-out areas using imaginary colors in LAB
The LAB advantage of painting in Color mode to repair blownout face areas
Isolate blown-out areas for correction by painting
How conventional (low-radius) sharpening in LAB differs from using the same settings in RGB
Sharpening in LAB
See the difference between the two methods
French Impressionism and sharpening the AB channels
Some situations will call for a different sharpening method
Hiraloam sharpening in both Luminosity and Color modes in an overall workflow context
The importance of multiply mode to enhance the quartertone
Choosing the proper layer mask for an LAB multiplication
Here is another example of how to choose the proper layer mask
Noise reduction in LAB isn't rocket science
Reduction of color-only moires in LAB
Blending with the AB channels to remove complicated moires
Blending the A or B into the L versus using the A or B as a mask
These two blends can accomplish a great deal if you understand how to use them
The Man from Mars Method in combination with a final Darken/Lighten blend from the A and/or B
The Man from Mars Method for fleshtones, with final AB blend to limit damage
A comprehensive RGB to LAB workflow to break colors apart in a heavily-casted maritime scene
RGB channel blending as a prelude to the Man from Mars Method
The RGB/LAB workflow and an outdoor family shot
RGB/LAB workflow and wildlife photography
Thanks for following along. Hope you learned a lot.
challenging, super interesting, wonderful teacher!!! he takes color correction to the next level
An excellent course. And the format was great. I.e. able to pause and take notes and rewind etc. Better than a live lecture. Thanks
I don't think I could follow Dan in a live course simply because there IS so much good information in a short span of time. Definitely has changed the way I edit photos the past twos years, and I learn something new each time I watch his tutorials.
Dan Margulis is epic.


text:
STEVENS POINT, Wis. (WSAU) - Here's some advice for people facing the judge for operating while intoxicated: Don't show up to your sentencing hearing drunk.
That's exactly what a Stevens Point woman did. 44-year-old Raquel Hurd was facing her fifth drunken driving charge. In a Thursday plea deal, she pled no contest to the OWI charge, and the operating a vehicle with a prohibited alcohol concentration and possession of marijuana charges were dismissed. She did however get an additional misdemeanor charge for misconduct in court for showing up for her sentencing while drunk.
Hurd will spend the next two years in prison followed by three years of extended supervision. She will also have to stay below a point-02 blood alcohol concentration when she gets out of prison. Once out of prison, Hurd will have no driver's license for three years, and after that, she cannot drive a vehicle without an alcohol sensing starter interlock device.


text:
Laura Indigo Fabric
Item# 53488_FAB
- Content: 31% viscose, 20% jute, 16% wool, 18% acrylic, 9% linen, 6% cotton
- Wear code: Heavy use
- Grade: R
- Fabric repeat: 16 3/4" across, 13 1/2" down
- Stain protected
- Not recommended for drapery
- This blended fabric has been specially selected for its subtle beauty and rustic character. The variations in weave, shading, slubs, and texture give this product its unique personality and are desirable characteristics.
- Solvent cleaner. Spot-clean using a mild, water-free solvent or dry-cleaning product. Clean only in a well-ventilated room and avoid any product containing carbon tetrachloride or any other toxic material.
Laura Indigo Swatch
Item# 53488_SW
Laura Indigo Fabric by the Yard
Learn about our free design service
The well-designed home. That's our job. The undivided attention of design pros. A whole team. Experts in style, room-planning, custom, textiles, color, accessorizing: working in design centers, online, and at your place to make your home fabulous. It's on the house. Extra service and advice. We can help as little or as much as you like.sm You'll see. And, we'll create a plan that meets your goals and budget…and when you're ready, we'll bring it to life.find out more


text:
7 U.S. Code § 1926a - Emergency and imminent community water assistance grant program
(a) In general
The Secretary shall provide grants in accordance with this section to assist the residents of rural areas and small communities to secure adequate quantities of safe water—
(1) after a significant decline in the quantity or quality of water available from the water supplies of such rural areas and small communities, or when such a decline is imminent; or
(b) Priority
In carrying out subsection (a) of this section, the Secretary shall—
(c) Eligibility
To be eligible to obtain a grant under this section, an applicant shall—
(d) Uses
(1) In general
Grants made under this section may be used—
(A) for waterline extensions from existing systems, laying of new waterlines, repairs, significant maintenance, digging of new wells, equipment replacement, and hook and tap fees;
(B) for any other appropriate purpose associated with developing sources of, treating, storing, or distributing water;
(C) to assist communities in complying with the requirements of the Federal Water Pollution Control Act (33 U.S.C. 1251 et seq.) or the Safe Drinking Water Act (42 U.S.C. 300f et seq.); and
(2) Joint proposals
Nothing in this section shall preclude rural communities from submitting joint proposals for emergency water assistance, subject to the restrictions contained in subsection (e) of this section. Such restrictions should be considered in the aggregate, depending on the number of communities involved.
(e) Restrictions
(1) Maximum population and income
No grant provided under this section shall be used to assist any rural area or community that—
(A) includes any area in any city or town with a population in excess of 10,000 inhabitants according to the most recent decennial census of the United States; or
(f) Maximum grants
Grants made under this section may not exceed—
(g) Full funding
Subject to subsection (e) of this section, grants under this section shall be made in an amount equal to 100 percent of the costs of the projects conducted under this section.
(h) Application
(1) Nationally competitive application process
The Secretary shall develop a nationally competitive application process to award grants under this section. The process shall include criteria for evaluating applications, including population, median household income, and the severity of the decline, or imminent decline, in quantity or quality of water.
(2) Timing of review of applications
(A) Simplified application
The application process developed by the Secretary under paragraph (1) shall include a simplified application form that will permit expedited consideration of an application for a grant filed under this section.
(B) Priority review
In processing applications for any water or waste grant or loan authorized under this chapter, the Secretary shall afford priority processing to an application for a grant under this section to the extent funds will be available for an award on the application at the conclusion of priority processing.
(i) Funding
(1) Reservation
(A) In general
Source(Pub. L. 87–128, title III, § 306A, as added Pub. L. 101–82, title V, § 501(a),Aug. 14, 1989, 103 Stat. 584; amended Pub. L. 104–127, title VII, § 742,Apr. 4, 1996, 110 Stat. 1124; Pub. L. 107–171, title VI, § 6009,May 13, 2002, 116 Stat. 356; Pub. L. 110–234, title VI, § 6008,May 22, 2008, 122 Stat. 1163; Pub. L. 110–246, § 4(a), title VI, § 6008,June 18, 2008, 122 Stat. 1664, 1924; Pub. L. 113–79, title VI, § 6007,Feb. 7, 2014, 128 Stat. 843.)
References in Text
The Federal Water Pollution Control Act, referred to in subsec. (d)(1)(C), is act June 30, 1948, ch. 758, as amended generally by Pub. L. 92–500, § 2,Oct. 18, 1972, 86 Stat. 816, which is classified generally to chapter 26 (§ 1251 et seq.) of Title 33, Navigation and Navigable Waters. For complete classification of this Act to the Code, see Short Title note set out under section 1251 of Title 33 and Tables.
The Safe Drinking Water Act, referred to in subsec. (d)(1)(C), is title XIV of act July 1, 1944, as added Dec. 16, 1974, Pub. L. 93–523, § 2(a), 88 Stat. 1660, as amended, which is classified generally to subchapter XII (§ 300f et seq.) of chapter 6A of Title 42, The Public Health and Welfare. For complete classification of this Act to the Code, see Short Title note set out under section 201 of Title 42 and Tables.
For definition of "this chapter", referred to in subsec. (h)(2)(B), see note set out under section 1921 of this title.
Pub. L. 110–234and Pub. L. 110–246made identical amendments to this section. The amendments by Pub. L. 110–234were repealed by section 4(a) ofPub. L. 110–246.
2014—Subsec. (i)(2). Pub. L. 113–79substituted "2018" for "2012".
2008—Subsec. (i)(2). Pub. L. 110–246, § 6008, substituted "2008 through 2012" for "2003 through 2007".
2002—Pub. L. 107–171, § 6009(1), inserted "and imminent" before "community water assistance" in section catchline.
Subsec. (a)(1). Pub. L. 107–171, § 6009(2)(A), inserted ", or when such a decline is imminent" before semicolon at end.
Subsec. (a)(2)(A). Pub. L. 107–171, § 6009(2)(B)(i), substituted "acute, or imminent," for "acute".
Subsec. (a)(2)(B). Pub. L. 107–171, § 6009(2)(B)(ii), substituted "decline, or imminent decline," for "decline".
Subsec. (c)(2). Pub. L. 107–171, § 6009(3), substituted "occurred, or will occur," for "occurred".
Subsec. (d)(1). Pub. L. 107–171, § 6009(4), added par. (1) and struck out heading and text of former par. (1). Text read as follows: "Grants made under this section may be used for waterline extensions from existing systems, laying of new waterlines, repairs, significant maintenance, digging of new wells, equipment replacement, hook and tap fees, and any other appropriate purpose associated with developing sources of, or treating, storing, or distributing water, and to assist communities in complying with the requirements of the Federal Water Pollution Control Act (33 U.S.C. 1251 et seq.) or the Safe Drinking Water Act (42 U.S.C. 300f et seq.)."
Subsec. (f)(2). Pub. L. 107–171, § 6009(5), substituted "$150,000" for "$75,000".
Subsec. (h)(1). Pub. L. 107–171, § 6009(6)(A), substituted "decline, or imminent decline," for "decline" in second sentence.
Subsec. (h)(2). Pub. L. 107–171, § 6009(6)(B), added par. (2) and struck out heading and text of former par. (2). Text read as follows: "The Secretary shall make every effort to review and act on applications within 60 days of the date that such applications are submitted."
Subsec. (i). Pub. L. 107–171, § 6009(7), added subsec. (i) and struck out heading and text of former subsec. (i). Text read as follows: "There are authorized to be appropriated to carry out this section $35,000,000 for each of fiscal years 1996 through 2002."
1996—Subsec. (e)(1)(A). Pub. L. 104–127, § 742(1)(A), substituted "10,000" for "15,000".
Subsec. (e)(2). Pub. L. 104–127, § 742(1)(B), substituted "3,000" for "5,000".
Subsec. (i). Pub. L. 104–127, § 742(2), added subsec. (i) and struck out heading and text of former subsec. (i). Text read as follows: "There are authorized to be appropriated to carry out this section, $35,000,000 for each of the fiscal years 1990 and 1991, such sums to remain authorized until fully appropriated."
Effective Date of 2008 Amendment
Amendment of this section and repeal of Pub. L. 110–234by Pub. L. 110–246effective May 22, 2008, the date of enactment of Pub. L. 110–234, see section 4 ofPub. L. 110–246, set out as an Effective Date note under section 8701 of this title.
Pub. L. 101–82, title V, § 501(b),Aug. 14, 1989, 103 Stat. 585, provided that:
"(1) Regulations.—The Secretary of Agriculture shall publish—
"(A) interim final regulations to carry out section 306A of the Consolidated Farm and Rural Development Act [7 U.S.C. 1926a] (as added by subsection (a) of this section) not later than 45 days after the date of enactment of this Act [Aug. 14, 1989]; and
"(B) final regulations to carry out section 306A of such Act not later than 90 days after the date of enactment of this Act.
"(2) Funds.—
"(A) Obligation.—The Secretary shall designate 70 percent of the funds made available for the first fiscal year for which appropriations are made under section 306A(i) of the Consolidated Farm and Rural Development Act not later than 5 months after the date such funds are appropriated.
"(B) Release.—The Secretary may release funds prior to the issuance of final regulations under paragraph (1)(B) for grants under section 306A(a)(1) of the Consolidated Farm and Rural Development Act."
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
|§ 1926a
|113-79 [Sec.] 6007
|128 Stat. 843
LII has no control over and does not endorse any external Internet site that contains links to or references LII.


text:
Subscriptions include print and electronic issues
Pub Code: NDBN-11WEB
A hard-hitting newsletter for health plans, PBMs, pharma companies and employers. Published biweekly, it delivers both timely news stories and in-depth accounts of cost management strategies that are being employed by drug purchasers. Coverage includes up-to-the minute news of industry consolidation, strategies for participation in exchanges, generic promotion tactics, formulary decisions, innovative benefit designs, drug pricing methodologies, PBM contracting, changes in Part D and other federal initiatives, and much more.
With so much at stake in the pharmaceutical business, you need a clear picture of the challenges and opportunities ahead. Rely on Drug Benefit News — a biweekly newsletter focused exclusively on the business of pharmacy benefit management — to provide details of the most notable, effective strategies for managing:
With in-depth accounts of cost management strategies, Drug Benefit News takes in-the-field approaches and presents them alongside guidance from experts across the nation in key areas, such as:
As a subscriber to Drug Benefit News, you receive:
Rely on Drug Benefit News for timely news and data on the business of pharmaceuticals ... and get practical cost management strategies from experts throughout the industry. Subscribe today!
Drug Benefit News is written by an editorial team with extensive experience in pharma/health care business publishing. Editor Lauren Flynn Kelly, who served as editor of DBN from 2004 to 2005 and returned to AIS in 2011, has been covering health business issues for more than a decade. Managing Editor Angela Maas has an extensive background in editing, reporting and writing for both trade and consumer publications. Angela also is the managing editor of AIS's Web and email news content, and the monthly newsletter Specialty Pharmacy News. Executive Editor Jill Brown is a veteran health care reporter who brings an intelligent perspective on the forces reshaping the health care industry.
When you subscribe to Drug Benefit News, your satisfaction is fully guaranteed. If you are not completely satisfied with the newsletter within the first 30 days, just cancel and receive a prompt 100% refund. After your first 30 days, you may cancel at any time in the year ahead and receive a full prompt refund for all unmailed issues.
Electronic (PDF) versions of the newsletter are available, on the newsletter's subscriber-only Web page, on the day of publication. Recipients should whitelist email@example.com to ensure delivery of the e-mail notification of new issues. Print newsletters are mailed 1st class through the U.S. Postal Service. You should receive your first issue within 5-7 business days of your order. A one-time $12 shipping and handling charge will be applied to your order.
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text:
Over half (53.6%) the older noninstitutionalized persons lived
with their spouse in 2002. Approximately 10.2 million or 72%
of older men, and 7.8 million or 40% of older women, lived with
their spouse (Figure 3). The proportion living with their spouse
decreased with age, especially for women. Only 28.8% of women
75+ years old lived with a spouse.****
About 30% (10.5 million) of all noninstitutionalized older persons
in 2002 lived alone (7.9 million women, 2.6 million men). They
represented 41% of older women and 18% of older men. The proportion
living alone increases with advanced age. Among women aged 75
and over, for example, half (49.4%) lived alone (in 2000).
About 633,000 grandparents aged 65 or over maintained households
in which grandchildren were present in 1997. In addition, 510,000
grandparents over 65 years lived in parent- maintained households
in which their grandchildren were present. In 2000, almost 400,000
grandparents over 65 years old were the persons with primary
responsibility for their grandchildren who lived with them.
While a relatively small number (1.56 million) and percentage
(4.5%) of the 65+ population lived in nursing homes in 2000,
the percentage increases dramatically with age, ranging from
1.1% for persons 65-74 years to 4.7% for persons 75-84 years
and 18.2% for persons 85+. In addition, approximately 5% of the
elderly lived in self-described senior housing of various types,
many of which have supportive services available to their residents.
Figure 3: Living Arrangements of Persons 65+: 2002
(Based on data from U.S. Bureau of the
Census. See: March 2002 Current Population Survey Internet releases.
See also: "America's
Families and Living Arrangements; Population Characteristics:
June, 2001, Current Population Reports, P20-537" and "The
65 Years and Over Population: 2000, Census 2000 Brief, October,
2001" as well as other Census 2000 data and unpublished
data from the Centers for Medicare and Medicaid Services.)
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text:
FT Tactical Skeleton Neck Knife
Item # WX2-421708
- Google+
You must be 18 years of age to purchase this item.
Shipping restrictions apply to this product under some jurisdictions. Known age, state and local shipping requirements are applied at checkout and may result in changes to an order.
This item cannot ship to Canada.
This item cannot ship internationally.
- Details & Specs
FT TacticalTM Skeleton Neck Knife, easy-reach back-up, PRICED LOW!
One-ounce wonder! It may be light, but it's no lightweight for cutting tasks, emergency back-up, you name it.
- Sharp spear-point 1 3/4" blade
- Skeletonized handle with lanyard
- Weighs just 1 oz.
- Measures 3 3/4" overall. Includes kydex sheath.
- Reviews
Customer ReviewsNo reviews exist for this item....
- Articles & Tips
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Edgemate Carbide SharpenerBuyer's Club $13.49 Non-Members $14.99
Guide Gear® by EdgeCraft® Electric Knife Sharpener, GreenBuyer's Club $35.99 Non-Members $39.99
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USMC Fixed Stealth Neck KnifeBuyer's Club $26.99 Non-Members $29.99
2 HQ ISSUE "Fury" Neck Knives, BlackBuyer's Club $17.99 Non-Members $19.99


text:
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text:
That's right, folks. When you pre-order Women's stellar new record, "Public Strain," you'll get a limited edition 7″ that includes two brand new, non-album, tracks. Here's a little more info on the songs:
Both tracks on this limited 7″ deliver additional insight into the collision of style that informs Women's complex new album. "Grey Skies," a pristine, 1950′s slow dance weeper is a throwback to an era when musical composition wasn't entirely hinged-upon irony. "Service Animal" seamlessly bounces upon charmingly polarized guitar phrases and 60′s inspired melody."
Above is a picture of the beaut. You can snag your own copy by pre-ordering HERE.
It's been just under 2 years since the self titled debut release from these Canadian dudes. They were hard at work in that time, though. Matt toured China with Marnie Stern. Mike released a record on St. Ives with his band Friendo. And, as Women, they played over 200 shows around the world. Somewhere in between all of that, they found time to write and record a new record. That record is titled: Public Strain Read the rest of this entry »
This past fall we fell for the music made by the men from Calgary called WOMEN despite their inevitably ungoogleable band name. Their great pop sensibility channeled through a rough and ready experimental lo-fi sound leaves enough surprises that we continually find it lodged in nooks and crannies in my head. Like a teenage boy, we just can't seem to get WOMEN off our collective mind! Now you too will have a chance to hear what the buzz is all about. On March 8 WOMEN embark on a coast to coast tour of the United States including three days at South By Southwest, and shows with Crystal Stilts, Abe Vigoda, and the producer of their self-titled debut album, Mr. Chad Van Gaalen. Come hear what the glorious ruckus is all about.
Peep the tour dates HERE
WOMEN played a boat load of CMJ showcases this past year and the fine folks over at Pitchfork.tv were kind enough to film one of their performances at The Cake Shop. See for yourself below:
Women's self titled debut is out now in both the US and UK.
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