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3 Banks Offering 20% Gains in 2013
Richard is a member of The Motley Fool Blog Network -- entries represent the personal opinion of the blogger and are not formally edited.
Warren Buffett once said, "Derivatives are financial weapons of mass destructions." On May 10 he was proven right when JPMorgan Chase dropped a bombshell on the market - disclosing it had amassed a $2 billion credit-derivative loss from a poor trade, which would then become infamously known as "London Whale." From there it got worse.
What was initially announced as $2 billion loss was then revealed to be $6 billion - with the possibility of reaching $7.5 billion when it was all said and done. Suffice it to say, the year in banking started off on the wrong foot. However, that the S&P 500's financial sector outperformed all others in 2012 means that every other step taken since JPMorgan's embarrassment lead in the right direction.
There were a lot of reasons for the recovery. But will it continue in 2013? As well, aside from specific fundamental issues with certain banks, investors have to be mindful of the European debt situation, which continues to drag down several names with exposure abroad. Still, 2012 was a great year in financials and here are three names and three reasons to expect better performances in 2013.
Bank of America (NYSE: BAC) – Price Target $15
Can the bank continue its restructuring efforts?
Leading off is the sector's best performer in Bank of America, which has gained 110% in 2012. That was not a typo. However, I do understand that quite a bit of this gain has had to do with the fact that the bank had been beaten to pulp in 2011. There was no way to go but up. On the other hand, it's been a hard fought battle towards recovery.
The bank had to justify this level of confidence with its execution, which it has done to perfection. It started with a blueprint toward sustainable growth, one that investors want to see extended over the next several years. This included a 10% workforce reduction which will impact headcount by as much as 30 thousand people.
Likewise, the bank's better than expected string of earnings which included a $340 million profit in its most recent quarter continues to support its turnaround. Remarkably, despite the bank's stellar 2012 performance, shares are still discounted to its tangible book value. The stock is worth a gamble here and patient investors should begin to take notice.
What's more, with so much change at the company, the Street still overlooks that Bank of America scores well on its stress tests. This is another reason to think that the stock is no longer a high risk trade - at least not to the extent that it was at the height of the credit crunch and housing crash. Although expectations for another double in 2013 is unrealistic, $15 to $18 per share by the second half of 2013 is possible.
Wells Fargo (NYSE: WFC) – Price Target $40
Will it continue to be the safest bank among its peers?
While Bank of America was considered the villain among banks at the height of the credit crisis, Wells Fargo has always had the distinction of being the "cleanest shirt in the dirty hamper." It's not a glowing endorsement, but I'm sure you get the point. Since that dark period, Wells Fargo has cleaned up its messes arguably better than anyone.
During that span the bank has created various routes for growth while also improving its risk exposure. This often discounted "safety net" has considerable amounts of value as demonstrated by its recent quarter, which included $4.9 billion in profits – a company record. Remarkably, this represented an annual increase of 22% with a 27% sequential improvement.
With 11 consecutive quarters of profit growth, there is not a better banking franchise on the market today – not one that size of Wells Fargo that produces a combination of profits and double-digit revenue growth. What's more, the bank consistently demonstrates solid execution and leverage as both its assets and its investments continue to produce meaningful returns.
Impressively, Wells' solid performance comes amid adverse climates impacted by weak long-term interest rates. But on the other hand, its business is unburdened from the various types of risks that have hurt its peers. Many of which include derivatives, investment banking, prop trading and adversities of Europe.
Finally, it comes down to the fact that Wells Fargo has an excellent brand. And as shown in its mortgage performance where it is stealing share from JPMorgan Chase and Bank of America, Wells still has many more opportunities to grow. On that basis, I expect the stock to continue to outperform and reach a price of $40 at some point in 2013 – representing a 20% gain.
JPMorgan Chase (NYSE: JPM) – Price Target $52
Can JPMorgan outperform rivals in 2013?
We started off with JPMorgan's dubious trade, but remarkably as the year progressed the market has said "so what." The stock has gained 40% since reaching bottom at $30.83. Cooler heads prevailed. But the fact is the bank makes too much money and despite the poor trade it is not going anywhere. The market appreciated this reality.
As it stands there is plenty to like with the bank, which is actually outperforming rivals in several key categories. For instance, in its most recent quarter JPM exceeded both top and bottom line estimate – beating EPS and revenue goals by 6% and 16%, respectively. Its revenue of $25.9 billion was not only 13% better sequentially, but it was a 6% improvement year-over-year.
As well, net income surged to $5.7 billion – a 15% sequential improvement. This was enough to beat Citigroup's (NYSE: C) earnings, which although Citi beat top and bottom line estimates, Citi's $19.4 billion Q3 revenue declined year over year by 7%. Likewise, as much as I love Wells Fargo, it was no match for JPMorgan's report.
This is what the market understands, which also supports the 40% increase in share price despite the "London Whale." As with both banks above, JPMorgan's current valuation is attractive on the basis of the quality of its management and for having stabilized a business that is now poised for long term growth. What's more, with the possibility of share buybacks over the next several quarters and an improving balance sheet, patient investors will be rewarded with (at least) 20% upside in the stock in 2013.
Bottom Line
Despite fiscal concerns abroad, financials did well in 2012. Revenue growth was a welcomed surprise despite an unfavorable interest rate climate. Although fiscal concerns remain, 2013 should continue the recovery. But investors would do well to monitor issues related to the fiscal cliff and any adverse consequences presented by policy changes. That said, as long as banks continue to clean up their balance sheets and show improved profitability, the stocks should do well.
rsaintvilus has no positions in the stocks mentioned above. The Motley Fool owns shares of Bank of America, Citigroup Inc , JPMorgan Chase & Co., and Wells Fargo & Company. Motley Fool newsletter services recommend Wells Fargo & Company. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy. Is this post wrong? Click here. Think you can do better? Join us and write your own!


text: DAILY BLESSING Your daily dose of spiritual inspiration Today's Scripture reading from Romans 15:13 Published: 12/29/2013 at 5:24 PM Daily Blessing About | Email | Archive The Daily Blessing is a unique feature of WND, provided by Eric Kampmann, author of multiple contemporary devotionals, including his latest, "Signposts," available autographed exclusively through the WND Superstore. Subscribe to feed Text smaller Text bigger May the God of hope fill you with all joy and peace as you trust in him, so that you may overflow with hope by the power of the Holy Spirit. Romans 15:13 Text smaller Text bigger

subset: commoncrawl


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Posted 25 June 2012
Introducing new IBM PowerLinux solutions and servers
IBM announces new IBM PowerLinux solutions and servers to accelerate market momentum and drive significant new growth.
On 24 April, IBM introduced IBM PowerLinux solutions and servers optimized to deliver new services faster, with higher quality and superior economics. Built on industry-standard Linux, open source, and IBM software, PowerLinux is a natural fit for smarter computing. These new offerings will help drive higher client satisfaction and require less support enabling you to spend more time selling and less time solving problems.
PowerLinux servers are built on world-class POWER7 systems, value-priced and designed to go head-to-head with x86 servers on cost while delivering greater performance, higher utilization, and superior availability.
PowerLinux solutions are optimized to deliver high value Linux services and are specifically designed to bring the capabilities of POWER7 technology to customers of our competitors x86 systems. These capabilities include performance that outruns Intel's Xeon processor, dependability that measurably exceeds that offered by Windows, and optimized PowerVM virtualization that offers higher workload density than VMware.
IBM is committed to Linux and to date has invested more than a billion dollars into the Linux movement. Since 2000, Linux had held a strategically significant position within the IBM systems portfolio. IBM is traditionally among the top commercial contributors of Linux code, with more than 600 IBMers involved in more than 100 open source projects.
- Listen to the replay of the Power Systems 2Q Announcement Overview Webcast. Join Scott Handy, IBM PowerLinux Strategy and Business Development and other Power Systems experts to learn the details of the April Power Systems announcements including new PowerLinux systems, software and I/O announcements.
- Listen to the replay of the PowerLinux Technical Resources. Join Jeff Scheel, IBM Linux Architect and other IBM PowerLinux experts to learn how introducing IBM PowerLinux solutions to your client's just got easier and more relevant.
- Learn more about the new PowerLinux solutions by listening to past PowerLinux webcasts.
Take Action
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If you're looking to help your clients reduce cost with solutions that are more powerful than x86 Linux, more scalable than VMware, and more reliable than Windows, IBM PowerLinux offerings are the way to go.
If you would like to have more information or you have questions, do not hesitate to contact us: +32 2 663 49 10 or firstname.lastname@example.com.
Kind regards,
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shutter speed
In photography and digital photography the shutter speed is the unit of measurement which determines how long shutter remains open as the picture is taken. The slower the shutter speed, the longer the exposure time. The shutter speed and aperture together control the total amount of light reaching the sensor. Shutter speeds are expressed in seconds or fractions of a second. For example 2, 1, 1/2, 1/4, 1/8, 1/15, 1/30, 1/60, 1/125, 1/250, 1/500, 1/1000, 1/2000, 1/4000, 1/8000. Each speed increment halves the amount of light.
See also aperture.
The future remains, well, cloudy. But either way: Amazon, look out. Microsoft is gaining fast. Read More »Hype Versus Action in the Developer's World
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SAN DIEGO (CNS) - The average price of a gallon of self-serve regular gasoline in San Diego County rose three-tenths of a cent Wednesday to $4.152, the ninth increase in 10 days.
The average price is 4 cents more than one week ago, 3.1 cents higher than one month ago and 11.3 cents greater than one year ago, according to figures from the AAA and Oil Price Information Service.
The average price rose seven consecutive days, dropped two-tenths of a cent on Monday and increased nine-tenths of a cent on Tuesday.
The rising pump prices stem from a sharp increase in wholesale prices caused by unplanned outages at two Los Angeles County refineries. The outages have disrupted Southern California gasoline production, reducing the supply, Marie Montgomery of the Automobile Club of Southern California told City News Service.


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Birmingham Fire and Rescue battle a fully involved house fire in Birmingham Sunday night.
Officials say firefighters were dispatched to a house on 5th Ave S. near 44th St, with 6 units and one truck battling the fire. The house is a two story wood and brick structure. Firefighters have laid several lines and have reported flames in the attic which have spread to the roof. So far there have been no reports of any injuries. Investigators are still looking into the cause of the fire.
Evangelist Franklin Graham prayed on a sidewalk outside the Pentagon Thursday after his invitation to a prayer service inside was withdrawn because of comments that insulted people of other religions. More>>


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Reader Comments (Page 1 of 1)
They would have to do a major revamp of the instance, or else I imagine it going something like this:
-You port in. The tank takes off at a sprint, determined to skip every boss possible, which is pretty much all of them, excepting Thermaplugg. This, despite your protestations that you really need some gear that drops off of that bot who resides in the ass-end of the instance. (If you are the tank, just swap this out for DPS who will bitch at you for not skipping straight to the end.)
-Rather than take the long way around, someone decides the best way to go would be to jump down off the platforms. So the group of you all drop carefully down, avoiding a splattery death, except for that one guy who can't figure out how to land properly. But you keep going, except now that guy can't hook back up with the group because he's died and re-zoned four more times while trying to nail that landing. (Alternatively, one person goes off the platform alone while the rest of the group takes the long way. Now he's sitting by himself because he expects everyone to join him.)
-You start pushing through those long tunnles filled with Dark Iron Spies and other assorted mobs. First you wipe because somebody keeps setting off the mines before they can be disabled or ran from. Then you wipe because some putz can't figure out to stop casting while the defense bots have spell-reflect up. Then you wipe again because somebody accidentally attacked a mob in another part of the tunnel, drawing about 20 mobs down on the group.
-You finally make it to Thermaplugg. Except since it's heroic, you now have to actually worry about the buttons and the adds. But since nobody ever paid any attention to those, you'll wipe several times while the group gets overwhelmed with adds or blown to bits by the bomb adds. He finally goes down, except one guy rolls Need on loot for four different specs and then runs off laughing back to his server.
Does that sound about right?


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Two people are recovering after their vehicle was struck in southwest Lubbock by an alleged drunk driver at the South Loop and Slide road. Police say, a car ran a red light around 2:45 Thursday morning, and struck another vehicle in the intersection.
Two people from that car were treated for minor injuries. Police arrested the driver of the first car, on suspicion of drunk driving, and a minor in possession of alcohol.
|Courts & Crime
5600 Avenue A
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Inspiration comes from many places: a solitary spring blossom; a spontaneous smile; a great new look. We hope to inspire you to be your personal best.
Come experience À La Mode Salon: an original hair salon concept from Chadd Jonesmith in Atlanta, Georgia, conveniently located between Midtown and Buckhead. À La Mode — where comfort and style meet creativity and beauty.


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Oconee County Coroner Karl Addis said a West Union man died Tuesday after falling from a vehicle during an argument last week.
Addis said that 31-year-old Arturo Torres and his girlfriend had an argument July 3. He said that as the woman and the couple's child tried to leave, Torres got onto the vehicle's running board, reached inside and grabbed at her. He said the woman then stopped the vehicle and Torres fell to the ground, hitting his head.
Torres was declared brain dead at Greenville Memorial Hospital on Tuesday morning.
Addis said Torres died from traumatic brain injury.
Torres' death is being investigated by the Oconee County Sheriff's Office.
Copyright 2012 FOX Carolina (Meredith Corporation). All rights reserved.


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The Elephant in the Green Room →
The circus Roger Ailes created at Fox News made his network $900 million last year. But it may have lost him something more important: the next election.
An interesting profile of Fox News head Roger Ailes and the inner workings of the personalities (read: Hannity, Beck, Palin, Gingrich, O'Reilly, etc.) and relationships they have (or don't have) with one another.
Via New York Magazine.
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If you read anything about Fox News, any one article in order to form an opinion, this is the one.
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Fair and balanced my ass, more like the Republican party news channel…
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text:
Finally reconsider your license... there has been these debates on the fora about derivative works and how they should always be distributed with the same license as the original. Last I knew Arduino was under the cc2.5 license.
It will be our first time releasing designs under cc lincenses. We read about the guideline, but not sure if we are doing in the right way. Thanks for the reminder!
Seeeduino, will be compatible with Arduino's CC2.5 share alike license. We see a explanation in http://creativecommons.org/licenses/by-sa/2.5/: A new version of this license is available. You should use it for new works, and you may want to relicense existing works under it. No works are automatically put under the new license, however. So we adopt cc3.0 share-alike licenses.
Please help correct us if wrong. Appreciated


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Rate Dr. Mark Matishak
Dr. Mark Matishak's Ratings
Was this rating useful? 0 [[ userState['ratings'][2512124].votes_count ]]
After seeing him privately and paying a lot of money he told me to adjust my life to work around my pain. Yet another doctor who seems to think life long pain is acceptable. I do not recommend him at all. I feel completely cheated out of my money.
Was this rating useful? 0 [[ userState['ratings'][2451030].votes_count ]]
Great Doctor so polite made me feel like a person not a number , thank you for my new life free of pain. I would 100% say Mark is the number 1 surgeon
Was this rating useful? 0 [[ userState['ratings'][1505626].votes_count ]]
Incredible. Dr. Matishak was calm, informative, personable and most of all assuring that emergency surgery for my L4-5 disk (cauda equina ) was the right thing to do. My husband and I were terrified as I've never had surgery before and your spine is nothing to sneeze at. After conversations with him, we were most confident in him and had total peace with it. Now 6 months after the survey I am living a normal life that I had lost for years and years. Brilliant, and straight to the point not to mention the outstanding track record. I strongly recommend Dr. Matishak to anyone needing neurosurgery. What a blessing that I ended up in Columbia New West hospital, this man gave my life (and my husbands), youth back. Life is Good Again!!! Thank you so much for your dedication, skills, and passion to truly help those who are in need Dr. Matishak.
Was this rating useful? 0 [[ userState['ratings'][1505625].votes_count ]]
When I met Dr. Matishak, my condition was that of severe nerve pain. I was crawling, utilizing a wheelchair and progressively suffering with a diagnosis of Degenerative disc disease. My lifestyle has always been that of a highly positive and mindful athlete, however my back pain had ultimately taken over my life. When I was first introduced to Dr. Matishak, he treated me with an egalitarian presence, always respectful and accomodating to my family and diversity. My experiences pre/during/post surgery (L2, L3 Discectomy)have been positively life altering. Dr. Matishak is extremely dedicated, compassionate and caring towards not only myself, but each member of his team as well. He treated me as if I was part of his family. As a whole person with an injury, rather than a patient with a number. I strongly recommend Dr. Matishak with all my heart felt gratitude, for anyone that is looking for a neurosurgen. He has not only changed my life, but transformed and saved it as well. God bless!
Was this rating useful? 0 [[ userState['ratings'][1505624].votes_count ]]
Dr. Matishak; his family, and complimentary caring staff at Royal Columbian Hospital make up one of the most compassionate humanitarian teams that it was our family's great fortune to benefit by his neurological knowledge and expertise. Be assured you are "positively" in the master's hands should you also be blessed with his medical attendance. Merry Christmas to Dr. Matishak; his family and all the caregivers at RCH.
Was this rating useful? 0 [[ userState['ratings'][1505623].votes_count ]]
Dr. Matishak is my lifesaver(more than once), My first meeting I stood in the waiting area fingers clenched into the walls,Within minutes he walked me from his office directly across the street to the hospital for emergency imaging & surgery.I am sorry for delaying other patients appointments that day, "he saved my life". He is very compassionate,often you will find him working all hours between 2 hospitals. ~~~~~~~~~~~~~ His family deserves huge credit, they must miss him!~~~~~~~~~~~~~~~~~~~~~~~~ **My wish for Dr. Matishak "an extended well deserved Family Vacation".
Was this rating useful? 0 [[ userState['ratings'][1505622].votes_count ]]
I had a mulitlevel disc replacement done by Dr. Matishak last summer. I honestly feel that Dr. Matishak saved my life. His office staff treat me as if I were a part of their family and have always gone out of their way to get things moving quickly for me and have shown a great deal of empathy for the hell I had been living in and wanted to help me. Dr. Matishak always takes the time to listen and offer hope. I now have titanium in my C4/5 and C5/6 and I dont regret my surgery at all....it HAD to be done. I have just rec'd the MRI results on my L4/5 and S1 and will be seeing Dr. M to go over them soon. I trust him 100% and would never see another surgeon. If you are blessed to get Dr. M as your neurosurgeon please know you are in the best hands. A friend of mine was told by a different neurosurgeon that we cant do a multilevel disc replacement in Canada. So unfortunately he had his fused. 3 months later I HAD a multilevel disc replacement in Canada. Thank you Dr. Matishak and Bev.
Was this rating useful? 0 [[ userState['ratings'][1505621].votes_count ]]
Lets talk about the staff that supports this doctor. The staff is kind, quick, and always willing to help on a personal basis, not like some computerized machine, they are all really human, down to earth, and that is what is needed by the staff when it comes to care of people and their feelings around the issues that may or may not save their lives. I cannot thank the staff enough, especially the main gal, whose names starts with B for Best. If Dr Matishak didn't have this kind of help and support at the front desk, he would surely be at a serious loss. thank you for all that you have done at the front desk, leading me to the best doctor that saved my life....thank you Doctor Matishak, all the time
Was this rating useful? 0 [[ userState['ratings'][1505620].votes_count ]]
The comment pertains his admin staff that called me for the confirmation. She was both rude and unprofessional, demanding that I must either except the appointment "right now" or she would cancel it (I was in the process of reorganizing my schedule to make the appointment and asked for 15 min). I then asked to leave a message for the Dr. and was treated with sarcasm and contempt. Frankly, it reflects very poorly on a professional when his staff behave in such a manner. The Dr. may very well walk on water...but this particular staff needs a lifeboat...desperately. I will be looking elsewhere for my health care services.
Was this rating useful? 0 [[ userState['ratings'][1505619].votes_count ]]
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Lafayette Road Closures
With the heavy rains came heavy flooding in Lafayette today.
With the heavy rains came heavy flooding in Lafayette today.
Effective immediately, the following road closure are in place. The roads will be reopened as soon as conditions improve.
We will continue to update this post as we get more information.
Here is the latest road closure information in regards to the major roadways in Acadiana. This information is updated frequently so check back often for the latest closures and conditions.
LA DOTD says that the railroad crossing on La. 92 at La. 182 in Cade, St. Martin Parish, will be closed, effective immediately.
Camellia Boulevard will be closed on Saturday, May 18, from Silverstone Road to Eastland Drive (from Paul's Fine Jewelry over the bridge, almost to Johnston)
Plan your route ahead of time to avoid any traffic snarls!
Acadiana residents should be advised of the following upcoming road closures:
Coolidge Street
Between E. Saint Mary Blvd. and Auburn Avenue
Thursday, April 25, 2013 at 5:00 p.m. until Friday, April 26, 2013 at 6:00 a


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The black vintage Bavarian Alps shoulder bag is a classic messenger bag ready perfect for the modern world. Made from a colorwashed black canvas, this vintage shoulder bag has a cool stylish look rounded out by genuine leather trim. This canvas messenger bag has a large main compartment perfect for books or a laptop. For extra strorage to carry everything you need, this classic messenger bag has a large open top pocket, exterior back pocket, and 2 smaller side pockets. The fully adjustable shoulder strap on this canvas bag makes it easy to carry everywhere you go. From campus, to the jobsite, or just for everyday carry the black Bavarian Alps canvas messenger bag is a great choice! Also available in olive drab, khaki, and brown!
Harry's Army Surplus: Serving Dearborn and Metropolitan Detroit with army navy surplus, uniform gear, boots, army surplus and work clothing since 1950.


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Wilson County News 1012 C St Floresville TX 78114 Ph: 830-216-4519 Fax: 830-393-3219 Email:
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Give Us Our Country Back
January 2, 2010 7:45pm
Here are some facts and statistics on why drugs our outlawed:
The Impact of Alcohol Abuse on American Society
Number of traffic fatalities annually related to drugs and/or alcohol
Alcohol related crashes kills someone in the U.S. every 22 minutes. At any minute, one of 50 drivers on the road is drunk and every weekend night, one out of 10 is drunk.
According to the Center for Disease Control in Atlanta, there are 105,000 alcohol related deaths annually due to drunken drivers and alcohol related injuries and diseases. AFA journal - 6/90
Alcohol related accidents are the leading cause of deaths among young people. Dallas Times - Sat., 6/9/90
The damage caused by alcohol impaired drivers is the same as if a Boeing 747 with over 500 passengers crashed every eight days killing everyone.
Drunk drivers are responsible for 1/2 of highway fatal injuries.
65 people each day die on our highways due to alcohol. California Capitol Report - 11/89
In 1988, 25,000 Americans were killed in auto accidents involving alcohol. Over one half million were injured. AFA journal - 1/90
Number of handgun or violent crimes annually related to drugs and/or alcohol and Number of murders annually related to drugs and/or alcohol?
One half of all traffic accidents are alcohol related. U.S.A. Today - 1/24/90
An estimated 23,200 murdered in U.S. last year Newsweek - 3/25/91
Of all murders, alcohol was involved in at least 34% of cases.
Rape - More than 1/2 of rapists had been drinking.
Child abuse - mothers convicted are 3 times more likely to be alcoholics - fathers 10 times more likely.
Suicide - Up to 36% of victims were drinking just before. Prodigy Services Co. - 3/3/92
Heavy drinking is involved in 60% of violent crimes, 30% of suicides, and 80% of fire and drowning accidents.
The suicide rate of alcoholics is 30 times that of the general population. AFA journal - 1/90
The percentage of households that were scenes of violent crime or of burglary or property crime in 1989 was 24.9%. LA Times - 9/3/90
Among men arrested for serious crime in 12 major cities, 53% (in Phoenix) to 79% (New York) tested positive for illicit drugs in voluntary urine analysis at time of arrest. Insight - 2/29/89
About 2/3 of people arrested in larger cities for felonies. . .test positive for illegal drugs. Economist - 1/21/89
Annual cost to health! insurance industry related to drugs and/or alcohol.
More than half of all confirmed abuse reports and 75% of child deaths involve drug or alcohol abuse on the part of the parents. Time - 1/27/92
The use of alcohol cost $15 billion (1983) for health care and treatment.
The economic cost of alcohol abuse is projected to be $150 billion in 1995. Alcohol & Health - U.S. dept. of H.H.S. 1/90
The economic cost of America�s drug habit is somewhere between $50 billion and $100 billion a year. (Does not include alcohol) Economist - 1/21/89
Number of babies born annually with problems related to drugs and/or alcohol.
2.9% of 1,000 live births have fetal alcohol syndrome.
Alcohol & Health - U.S. Dept. of H.H.S. - 1/90
It is costing one half billion dollars per year to treat F.A.S. and F.A.E.
It is estimated that 375,000 babies born each year are exposed to one or more illicit drugs prenatally.
The Office of National Drug Control Policy uses an estimate of 100,000 drug exposed babies per year. Maternal Drug Abuse and Drug Exposed children - U.S. Dept. of H.H. S. - 9/92
The cost of government to prepare drug babies to enter kindergarten will soon reach $15 billion per year. Reader�s Digest - 2/91
More than 1,000 babies a day are being born drug damaged. More than 100,000 per year are "crack babies." CBS Nightly News - 4/5/90
Aids related to drug use.
One baby with Fetal Alcohol Syndrome will cost $405,000 in direct special services from birth to 65 years. San Diego County Dept. of Health Services
Newborns got AIDS at a faster rate than gays or IV drug users 30-40% of children born to infected women are HIV positive. Newsweek - 6/25/90
One in 2,200 infants born in the U.S. in 1989 was infected with HIV. Journal of A.M.A. - 4/3/91
Prenatally acquired.. .AIDS is the 9th leading cause of death among children 1 to 4 years.
80% of all pediatric AIDS cases are attributed to transmission from mothers at risk for HIV infection. IV drug abuse is a major contributing factor. Nearly 75% of Pediatric AIDS is attributed to maternal transmission involving IV drug use. Maternal Drug Abuse and Drug Exposed Children
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trang - 22 - saigonese - living in chicago
All the colors
Nothing like one cosmo, or two… before u start managing a bunch of kids trying to raise money for charity…
Found my new beach bag!!
His & Hers
If u ruin any of these babies, I will probably kill u. Actually, I will kill u, slowly =))
I like my docs like how I like my man, black =))
Sexy baby octopus, and delicious too!
I can hear the summer calling my name =))
#chanel #espadrilles
Shoutouts to neiman marcus #chanel #espadrilles
Sweet baby jesus this is good!!
That 2 for $4 special tho
#mcdonalds #breakfast
Wake up in the morning feeling like p diddy
Cancelled night class, no homework, and a salad bowl, what a perfect night
Next >>>


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Arizona Diamondbacks
ESPN insider: D-backs' Archie Bradley, Braden Shipley among baseball's top 25 prospects
The 2014 season has not gone according to plan thus far for the Arizona Diamondbacks.
Over the first two months of the campaign, the D-backs have been plagued by both inconsistent play and notable injuries to key players.
But while Arizona's less-than-stellar 23-36 record might not instill confidence within its fan base, ESPN baseball analyst Keith Law was more than happy to bring a little cheer to the Valley faithful with his updated top 25 prospects rankings.
In an ESPN insider piece released this weekend, Law included Arizona pitching prospects Archie Bradley and Braden Shipley on his esteemed list.
In fact, the D-backs were one of only five organizations -- the others being the Boston Red Sox, Chicago Cubs, Houston Astros and Minnesota Twins -- to have more than one prospect ranked.
Bradley, the team's No. 7 overall pick in the 2011 MLB Draft, has had a rough go of it this season in Triple-A Reno. The Oklahoma native had a 1-4 record with 23 strikeouts in five starts with a 5.18 ERA before being forced to the Aces' seven-day disabled list in late April with an elbow injury.
The 21-year-old has not made a return to the mound since his stint on the DL, however he has made progress in his rehabilitation program.
12. Archie Bradley | RHP | Arizona Diamondbacks (age 21)
Current level: Triple-A (Reno)
Preseason ranking: 9
Bradley probably would be in the majors by now had he not been slowed by an elbow injury that has cost him a month already and may not see him back in a game until mid-June.
He remains among the game's best pitching prospects despite his high ERA in the hitter-friendly Pacific Coast League, making four of his five starts so far in terrible pitchers' parks.
Like Bradley, Shipley is not a first-timer on Law's list, though his progress in Low-A South Bend led to ESPN analyst moving him up the rankings.
The organization's first-round selection last June, Shipley has been impressive so far in 2014, going 4-2 with a 3.74 ERA, 1.24 WHIP and 41 strikeouts in the Midwest League.
23. Braden Shipley | RHP | Arizona (age 22)
Current level: Low Class A (South Bend)
Preseason ranking: 25
Shipley got a slightly late start after a brief elbow scare of his own, but he's been solid so far in low A, showing three above-average pitches at times with excellent control, walking two or fewer batters in every start but one so far. He's too advanced for low A, but the D-backs may be trying to keep him out of the hitter-friendly Cal League, or to minimize any eventual stay there.
While the present might not seem extremely bright, it's comforting to know the organization possesses potential pieces to build toward a better future. And based on Law's rankings, the cupboard certainly isn't bear for the D-backs when it comes to pitching talent.
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UPPER MARLBORO, Md. (AP) — Authorities say two people are dead and one person injured after a car went off an overpass in Prince George's County.
Police say it happened around 2 a.m. Monday when the driver of a Chevy Tahoe traveling northbound on Indian Head Highway lost control. Police say the car went off the overpass and crashed onto Oxon Hill Road. The car landed on its roof.
Police say one man and one woman were pronounced dead at the scene. Another man was taken to the hospital with non life-threatening injuries.
Police did not immediately identify those killed in the crash.


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South Plains soldiers who die in combat are honored at the Lubbock Area Veterans Memorial. Their names go on the granite portion of the wall. However, NewsChannel 11 wanted to know why the names of some soldiers killed six months ago are still not on that wall.
Thirteen names are listed under Iraqi Freedom, honoring those killed by enemy fire; these people were either from the South Plains or had ties to this area.
Last spring Melissa Gutierrez was given the news many hope to never hear.
He died, "March 7th 2006," Gutierrez said.
Her brother Army Pfc. Rick Salas Jr. was killed in an explosion while driving a Humvee in Iraq. After Salas's death, the family went to the Lubbock Area Veterans Memorial expecting to see his name.
"I thought it would go up pretty quick, but we would go out there and we never saw his name out there," Gutierrez said.
Salas is now one of the 13 names engraved in black granite under Iraqi Freedom at the memorial. The American Legion Post 575 puts the names of those killed in action on the wall free of charge, but the group and the memorial itself are non-profit.
Jerry Dickson with the Lubbock Area Veterans Memorial said, "If soldiers are killed in action they get their name up there at no charge."
He says no disrespect is intended for the delay that sometimes occurs between time of death and their name getting on the wall.
"It is just we cannot afford to have it done (too often). It just costs too much to have a name put up here," said Dickson.
According to Dickson, just one name on this wall can cost between $500 to $600.
"We try to get them up as soon as possible. If we order the sand blaster to come out here and then next week we've got another one...we put up one, and then they have to come back out and put up another. That's just cost prohibitive," Dickson said.
Dickson says it does not matter how many names go up. One or ten names would cost the same amount for the template and labor. However, doing just one name and then ordering another a few weeks later will cost more.
"We have to wait until we can justify getting the template made," Dickson added.
Despite the waiting period, Gutierrez says she is still grateful her brother's memory is being honored.
"It means a lot to me. It just kind of shows one their honoring him for what he's done for our country," Gutierrez adds.
The Lubbock Area Veterans Memorial is unique in that all of the upkeep and expenses to add these names come from brick purchases and donations. As far as we know, there is no government money being poured into this project.
Anyone can buy a brick for $125 to honor a service member. To purchase a brick or to make a donation, call the Lubbock Area Veterans Memorial at (806) 794-9006.
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(CMT Hot Dish is a weekly feature written by veteran columnist Hazel Smith. Author of the cookbook, Hazel's Hot Dish: Cookin' With Country Stars, she also hosts CMT's Southern Fried Flicks With Hazel Smith and shares her recipes at CMT.com.)
The CEO of Redneck Records, Gretchen Frances Wilson, is set to release her first album on the new label in March -- and the title is I Got Your Country Right Here.
Gretchen co-penned "Work Hard, Play Harder," her first single for Redneck Records, with John Rich and Vicky McGehee. ABC-TV included the song in a feature called "The Art of the Burnout" during the NASCAR Ford 400 season finale Sprint Cup race at the Homestead-Miami Speedway on Sunday (Nov. 22).
She used to wear those Daisy Duke britches with a bra and cowboy hat. Today, she's wearing T-shirts with jeans. Her long hair curls around her face, and her brown eyes shine with pride. Daughter Grace is now 9 years old. Her mom tries to pick her up at school by 2 p.m. daily. Grace is the light of Gretchen's life. They ride horses together. Gretchen has a pasture full of something like 30 horses. Her brother, Josh, lives next to her. (He and his wife handle the merchandising for Gretchen.) Aunt Vickie manages the farm. Says Gretchen, "Her hands are so rough from working so hard on the farm, but she loves to do it."
When Grace reached the third grade, Gretchen realized she could no longer help her with her homework. So she went into overtime and got her GED degree. During graduation ceremonies at Mt. Juliet High School near Nashville, it was her friend, Charlie Daniels, who presented Gretchen with her diploma. "Charlie feels like a daddy to me," she allowed. Her proudest moment came when she was honored by the National Coalition for Literacy in the nation's capital. "I'm prouder of that award than any of my gold or platinum records because of Grace," she said.
Greetings From Taylor Swift
Taylor Swift has partnered with American Greetings Corp. for a line of greeting cards, gift wrap, stationery, online photo products and online greetings. Surely you know that after she started visiting radio stations, Taylor would always send handwritten thank-you notes. Nobody, but nobody, ever routinely did that ... but Taylor did!
Lee Ann Womack Joins King's Court
Lee Ann Womack has been added to the George Strait/Reba McEntire tour that begins Jan. 22 in Baltimore. Excited about joining the king and queen, Lee Ann is wondering what on earth to wear onstage. "You can't out-starch George, and you can't out-spangle Reba," she said.
Speaking of Reba, she's scheduled to perform during CBS-TV's Early Show coverage of the Macy's Thanksgiving Day Parade in New York City.
Brad Paisley Remains Frugal Shopper
While going into a Sam's Club store south of Nashville, someone met my pal Brad Paisley with one of those printed request slips to buy a TV set. Yep, Brad is a man who will save a few bucks when he buys a big ol' television.
Faith Hill Splits With Longtime Manager
After 16 years, Faith Hill and her manager, Gary Borman, have called it quits. Borman still represents Keith Urban and Lady Antebellum. This reminds me that Faith's hubby, Tim McGraw, and his longtime manager, Scott Siman, also called it quits earlier this year.
Zac Brown Band Provided Favorite CMA Moment
Now that the dust has settled following the CMA Awards, it seems that everybody's favorite moment on the show was the Zac Brown Band's wonderful performance of the Charlie Daniels Band's masterpiece, "The Devil Went Down to Georgia." Pickers such as Keith Urban were on the edge of their seat digging Zac and the boys. No lip-syncing by those Georgia dudes. I've been told there was a tad of lip-syncing at the awards show, however, but I'm not naming names.
Wynonna Takes Her Two Children on Santa Train
Big-hearted Wynonna and her two children recently rode the Santa Train from Shelby, Ky., to Kingsport, Tenn., to deliver gifts for youngsters along the route. Says Wy, "I decided to ride the Santa Train this year because I wanted to bring my children home to Appalachia for the holidays. It's important to me for them to experience the joy of Christmas giving." Some 15 tons of toys and gifts were given out to the thousands of people along the tracks. Wynonna was raised not far from the trains tracks in Ashland, Ky.
Toby Keith Conquering Europe
With sellouts reported everywhere his tour stops, Toby Keith is tearing up Europe. Fans are digging Toby and so are members of the news media who point out that Toby has a large and loyal following overseas and deserves greater recognition. Mica Roberts, Toby's background singer, is opening the European dates.
Tracy Lawrence's Holiday Mission
For the fourth consecutive year, Tracy Lawrence will host the giant turkey cook-off to benefit the Nashville Rescue Mission. Tracy fries hundreds of turkeys in the parking lot to raise money and generate awareness -- and provide food for the less fortunate. It's Tracy's favorite event of the year.
See the new Hot Dish recipe of the week: Cherry Breeze.


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Friends of the High Line founded High Line Art in 2009 with the opening of the first section of the High Line. The mission of High Line Art is to present a wide array of artwork including site-specific commissions, exhibitions, performances, video programs, and a series of billboard interventions. We invite artists to think of creative ways to engage with the uniqueness of the architecture, history, and design of the High Line and to foster a productive dialogue with the surrounding neighborhood and urban landscape. Since 2011, High Line Art has been curated by Cecilia Alemani. Previously, the program was curated by Lauren Ross.
Since 2009, High Line Art has worked with over 120 artists from around the world, including up-and-coming artists as well as mid-career and established artists. We have presented more than 22 commissions; 21 videos on High Line Channels 14 and 22; 18 billboards; and 14 performances.
Cecilia Alemani, the Donald R. Mullen Jr. Curator & Director of High Line Art talks about legendary artist Ed Ruscha's first public commission in New York City.
Can you tell us about Ed Ruscha's commission for the High Line, which opened in early May?
It is the first time that Ed Ruscha is presenting his work in a public space in New York City. The project consists of a large-scale mural painted on the side of an apartment building overlooking the High Line at West 22nd Street. The mural recites "Honey, I Twisted Through More Damn Traffic Today," and it is a reinterpretation of a 1977 pastel drawing of the same title. The mural is quite large, measuring 30 x 50 feet.
High Line Art will premiere several new projects this spring as part of its ever-changing public art program, including the outdoor group exhibition Archeo, a new billboard by Faith Ringgold, and a large-scale mural by legendary artist Ed Ruscha.
Help fuel the artistic energy on the High Line this month with our weekly #SolarPanel! Organized in conjunction with High Line Art's curated video series, Solar, on view now at High Line Channel 14, we are facilitating a Q&A session between High Line Art Curator & Director, Cecilia Alemani, and the artists – Rosa Barba, Camille Henrot, Basim Magdy, and Neïl Beloufa – over High Line Art's Twitter account, @HighLineArtNYC. The Twitter conversations will occur in four installments, featuring one artist per week. The artists' fascinating answers will offer a unique perspective into the inspiration, process, and themes manifest in their work. The following day, we will post the full interviews (packed with even more juicy information) on the High Line Art's Tumblr blog.
Read more after the break.
With less than a month left to see Virginia Overton's beloved pickup truck before it says its goodbyes, we thought this was a perfect time to spotlight Overton's High Line Commission in relation to her prolific career.
You only have a few more days to see artist Raymond Pettibon's High Line Billboard No Title (Safe he called…), on view next to the High Line at West 18th Street and 10th Avenue. A work from his famous series of baseball drawings, Pettibon's piece depicts the movements and dynamism of a game between the Boston Red Sox and the Brooklyn Dodgers.
How would you like to see a sculpture of your favorite person grace the High Line?
For thousands of years, people have been erecting monuments of public figures in parks. Isn't it time that you had a say in who was up there?
As part of Busted, High Line Art's group exhibition of ten sculptures, we will be commissioning and producing a new work of art chosen by you—the public.
Spring has sprung and with it, new sculptures are sprouting up and down the High Line. Today is the first day High Line Art's newest HIGH LINE COMMISSION, Busted, a thoughtful and often humorous group exhibition addressing the very nature of public art and monument.
Learn more about Busted after the jump.
Couples walking hand-in-hand, families with strollers, friends sipping coffee and chatting – the High Line is a community space made unique by the people who come here to spend time together.
Allen Ruppersberg's new colorful HIGH LINE BILLBOARD , called You & Me, is the perfect reason to celebrate the special people in your life. Visit the billboard, between West 17th and West 18th Streets, and snap a few photos. Tag them with #youandme and @highlineartnyc by Thursday, February 28 for a chance to win a limited edition High Line Art Tote Bag!
We'll be sharing our favorites on the High Line Art's Tumblr, Facebook, and @highlineartnyc on Twitter.
Stay Connected with the High Line


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It's hard to believe that the gross, black humor of 'Ren & Stimpy' was able to pass as a children's cartoon, alongside the other first Nicktoons, 'Rugrats' and 'Doug,' but five years on Nickelodeon doesn't lie.
Without 'Ren & Stimpy,' we wouldn't have 'Beavis and Butt-head' or 'South Park,' nor would the 'Log' song get stuck in our heads for days at a time.
Frequently straddling the line between disgusting and fun -- well, actually, make that crossing the line -- there are plenty memorable moments from the series, which was revived on Spike in 2003 to poor reviews and we're just going to pretend that didn't happen. Below, AOL TV relives some of the grosses scenes -- and a couple of just plain fun ones too.
FUN: Happy Happy Joy Joy
DOUBLE FUN: Log!
GROSS: Kowalski's burp
DOUBLE GROSS: Stimpy's magic nose goblins (a.k.a. dried boogers)
TRIPLE GROSS: Ren eats kitty litter
QUADRUPLE GROSS: Ren's toothache
Of course, there's a lot more where that came from -- we just couldn't find more clips on YouTube. So, tell us: what are your favorite gross (or fun, or both) moments from 'Ren & Stimpy'?
Read more http://www.aoltv.com/2011/08/11/happy-happy-joy-joy-ren-and-stimpy-is-20/


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(PHILADELPHIA, PA) -- A government move to protect children from pornography on the Internet came under fire Thursday from a U.S. judge who suggested that the Child Online Protection Act could lead to censorship as restrictive as in ''Iran or Iraq.''
The new U.S. law would make it a federal crime for commercial Web site operators to expose children under 17 to material deemed harmful. Government officials have been barred from enforcing it, however, because of a preliminary injunction imposed in February by a U.S. district judge who said he believed the law might violate the constitutional right to free speech under the First Amendment.
Justice Department attorneys who appealed the lower court's ruling to the Third U.S. Circuit Court of Appeals in Philadelphia quickly ran into trouble when a three-judge appellate panel opened an hour-long hearing to review oral arguments in the case.
U.S. Circuit Judge Leonard Garth criticized the law for leaving the definition of ``harmful'' material to contemporary community standards.
Garth commented, ``It seems to me that in terms of the World Wide Web, what the statute contemplates is that we would be remitted to the most severe standards, perhaps those of Iran or Iraq,'' where he said that even showing a woman's face was considered objectionable.
``Are we all going to be remitted to the standards of the residents of Utah or the Amish community? Isn't it for the most conservative community to be the ceiling for the rest of us?'' he asked. ``This one particular aspect gives me great, great trouble, and I don't think it's resolved.''
The Child Online Protection Act, which represents the latest attempt by the Republican-controlled Congress to control Internet smut, was signed into law by President Clinton a little over a year ago. But the law quickly ran into a court challenge from a coalition of Internet-based businesses led by the American Civil Liberties Union, the Electronic Privacy Information Center and the Electronic Frontier Foundation.
Two years ago, a similar coalition persuaded the U.S. Supreme Court to strike down the law's forerunner, the 1996 Communications Decency Act.
Despite assurances that material would be exempt if it had redeeming social, artistic or political value, opponents say the law could be used by conservative groups to close down Web sites devoted to hot-button issues, including gay or reproductive rights.
Rights Group Predicts Self-Censorship
``There would be widespread self-censorship,'' ACLU attorney Ann Beeson told the appellate panel, saying the law's maximum penalties of $50,000 in fines and six months in prison could have a chilling effect on businesses that offer artwork, online magazines or sexual assistance to people with physical disabilities. Some violators also could face additional daily fines of $100,000.
``This is a criminal standard we're applying, and there are a lot of real people out there running businesses and wondering what they can put on the Web,'' she said.
Justice Department lawyer Jacob Lewis tried to assure circuit court judges that the law was meant to target online pornographers who cater to the prurient interests of youths. He likened the law to the brown paper wrappers used to hide the covers of sexually explicit magazines, saying, ``The government has a compelling interest in protecting children from harmful sexual material.''
But the government's argument only led Garth and fellow U.S. Circuit Judge Theodore McKee to suggest that Congress might be too late in seeking to impose controls on the bustling global electronic marketplace that the Internet has created.
``I'm not at all sure that one can structure legislation that can control the very thing that ought to be controlled (pornography). I'm not sure that events haven't overtaken the legislative process,'' Garth said.
McKee appeared to side with ACLU claims that the government would be better off encouraging parents to buy blocking software to keep youngsters from porn sites. ``In this day and age of family values, maybe the only way to do it is to empower the family so they can decide,'' he said.
Attorneys said they expected the appellate court to rule within a few months but predicted the case would be appealed to the Supreme Court regardless of the panel's opinion.
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Narrow your search
An agreement between the Google[x] resesearch lab and pharmaceutical giant Novartis will license the technology for actual medical use for people with diabetes and other conditions.
The companies are seeking ways to integrate health sensors and apps into their wearable devices, including those to measure glucose levels in a non-invasive way.
What if people with diabetes didn't have to prick their fingers several times a day to conduct blood sugar tests -- but instead could simply wear contacts?
Google is developing a "smart" contact lens to monitor blood sugar levels through the wearer's tears.
Scientists at Stanford are working on a vaccine to stop a type 1 diabetic's immune system from attacking the cells that make insulin.
Diabetics can have a "fruity" odor to their breath that indicates high glucose levels, and chemists at the University of Pittsburgh say this biomarker alone can diagnose the disease.
Nanotechnology could remove the finger prick from the daily routine of people with diabetes with an injectable gel that monitors blood-sugar levels and automatically secretes insulin.
Apps were expected to be released with the launch of iOS 8 today, but they were pulled at the last minute.
Stanford and Duke will use the new platform to track blood-sugar levels, blood pressure, weight, and other health measurements.
UCLA biologists may have just found a "fountain of youth" gene. In fruit flies, at least.


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Côte D'Or Chocolate Lover Box
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Godiva Lady Tin box
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Sweet Tooth 2014 - The Candy Collection
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It's a Boy Snack Hamper
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Seasonal Deluxe Classic Fruit Hamper & Chocolates
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GiftsforEurope delivers all over Finland. We also deliver to the major cities – Helsinki, Espoo and Tampere.


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Business Analysis Body of Knowledge
Draft Introduction for the BABOK Agile Extension Published
A draft of the Introduction for the Agile Extension to the Business Analysis Body of Knowledge is online now, with the aim of gathering feedback from the Agile Business Analysis community.
The current version of the Business Analysis Body of Knowledge contains practices that are commonly used on Agile projects, and this extension aims to provide Agile teams with tools, techniques and guidelines on how to best apply their skills.
The draft can be viewed online now.


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Change The Way You Look At Things . . .
Created by the talented crew of students in the @UMBC commonvision iNet Studio.
You guys are the bees knees!
Very proud to report that I was able to participate in Green Dot training this afternoon with my fellow Relationship Violence Prevention Advocates (RVPA). This is a fantastic program, tailored toward the college student population, and designed to empower participants with the knowledge, skills, and confidence to become an active bystander against power-based personal violence in our community.
As an advocate for the proliferation of safe and healthy relationships at UMBC, I'm thrilled for the initially positive feedback and energy that this program attracted from select groups in athletics and greek life last spring. Look for the official Green Dot kickoff this September!
"No one has to do everything, but everyone has to do something."
What's your green dot?
This photo was our table's team name for the training. It was a bit of an inside joke …
Fun with Photo Booth at Retrieverfest this afternoon. Thanks to commonvision for providing the good times. The flickr stream can be found here. Just scroll down and click on "Media."
Met many wonderful families and new students at Retriever Fest on Main St. this morning/afternoon. Also had the chance to entertain a few passers by with a bit of magic.
Thanks to commonvision for their photo booth event. I will post a link to the flickr stream as soon as I have it.
A glance into the student training experiences of the past two days. Based on what I saw from this crew, we have a great deal of potential this year.
An info graphic that shows how college students use their smartphones.
I thought it was interesting that one of the times when young adults are most willing to set aside their devices is while they are exercising. Now, if we could just get everyone to put their devices aside while their in the car, then we'd all be better off.
(via In a Relationship: College Students and Their Smartphones [INFOGRAPHIC])
We saw some great energy from our student staff on their first day back in The Commons. Spent some time catching up with some of the returners and getting to meet some of the eager new faces that will make up our crew this year.
Felt particularly blessed to have had Dr. Hrabowski spend about 45 minutes with our students talking about everything from leadership, customer service, building relationships, and sharing his vision for the UMBC community. We are very grateful indeed.
Looking forward to Student Training / Day 2.
Not sure yet whether or not I'm looking forward to the bound-to-be-epic clash between Move-in/Opening and Hurricane Irene. Considering that Governor O'Malley has already declared a State of Emergency in Maryland and the storm hasn't even left the Bahamas doesn't bode so well for the outlook, does it?
Stay tuned for some live-tweeting over the weekend (@cyclingbum)
The Mindset List for the Class of 2015
Andre the Giant, River Phoenix, Frank Zappa, Arthur Ashe and the Commodore 64 have always been dead.
Their classmates could include Taylor Momsen, Angus Jones, Howard Stern's daughter Ashley, and the Dilley Sextuplets.
- There has always been an Internet ramp onto the information highway.
- Ferris Bueller and Sloane Peterson could be their parents.
- States and Velcro parents have always been requiring that they wear their bike helmets.
- The only significant labor disputes in their lifetimes have been in major league sports.
- There have always been at least two women on the Supreme Court, and women have always commanded U.S. Navy ships.
- They "swipe" cards, not merchandise.
- As they've grown up on websites and cell phones, adult experts have constantly fretted about their alleged deficits of empathy and concentration.
- Their school's "blackboards" have always been getting smarter.
- "Don't touch that dial!"….what dial?
- American tax forms have always been available in Spanish.
- More Americans have always traveled to Latin America than to Europe.
- Amazon has never been just a river in South America.
- Refer to LBJ, and they might assume you're talking about LeBron James.
- All their lives, Whitney Houston has always been declaring "I Will Always Love You."
- O.J. Simpson has always been looking for the killers of Nicole Simpson and Ronald Goldman.
- Women have never been too old to have children.
- Japan has always been importing rice.
- Jim Carrey has always been bigger than a pet detective.
- We have never asked, and they have never had to tell.
- Life has always been like a box of chocolates.
- They've always gone to school with Mohammed and Jesus.
- John Wayne Bobbitt has always slept with one eye open.
- There has never been an official Communist Party in Russia.
- "Yadda, yadda, yadda" has always come in handy to make long stories short.
- Video games have always had ratings.
- Chicken soup has always been soul food.
- The Rocky Horror Picture Show has always been available on TV.
- Jimmy Carter has always been a smiling elderly man who shows up on TV to promote fair elections and disaster relief.
- Arnold Palmer has always been a drink.
- Dial-up is soooooooooo last century!
- Women have always been kissing women on television.
- Their older siblings have told them about the days when Britney Spears, Justin Timberlake and Christina Aguilera were Mouseketeers.
- Faux Christmas trees have always outsold real ones.
- They've always been able to dismiss boring old ideas with "been there, done that, gotten the T-shirt."
- The bloody conflict between the government and a religious cult has always made Waco sound a little whacko.
- Unlike their older siblings, they spent bedtime on their backs until they learned to roll over.
- Music has always been available via free downloads.
- Grown-ups have always been arguing about health care policy.
- Moderate amounts of red wine and baby aspirin have always been thought good for the heart.
- Sears has never sold anything out of a Big Book that could also serve as a doorstop.
- The United States has always been shedding fur.
- Electric cars have always been humming in relative silence on the road.
- No longer known for just gambling and quickie divorces, Nevada has always been one of the fastest growing states in the Union.
- They're the first generation to grow up hearing about the dangerous overuse of antibiotics.
- They pressured their parents to take them to Taco Bell or Burger King to get free pogs.
- Russian courts have always had juries.
- No state has ever failed to observe Martin Luther King Day.
- While they've been playing outside, their parents have always worried about nasty new bugs borne by birds and mosquitoes.
- Public schools have always made space available for advertising.
- Some of them have been inspired to actually cook by watching the Food Channel.
- Fidel Castro's daughter and granddaughter have always lived in the United States.
- Their parents have always been able to create a will and other legal documents online.
- Charter schools have always been an alternative.
- They've grown up with George Stephanopoulos as the Dick Clark of political analysts.
- New kids have always been known as NKOTB.
- They've always wanted to be like Shaq or Kobe: Michael Who?
- They've often broken up with their significant others via texting, Facebook, or MySpace.
- Their parents sort of remember Woolworths as this store that used to be downtown.59.
- Kim Jong-il has always been bluffing, but the West has always had to take him seriously.
- Frasier, Sam, Woody and Rebecca have never Cheerfully frequented a bar in Boston during primetime.
- Major League Baseball has never had fewer than three divisions and never lacked a wild card entry in the playoffs.
- Nurses have always been in short supply.
- They won't go near a retailer that lacks a website.
- Altar girls have never been a big deal.
- When they were 3, their parents may have battled other parents in toy stores to buy them a Tickle Me Elmo while they lasted.
- It seems the United States has always been looking for an acceptable means of capital execution.
- Folks in Hanoi and Ho Chi Minh City have always been able to energize with Pepsi Cola.
- Andy Warhol is a museum in Pittsburgh.
- They've grown up hearing about suspiciously vanishing frogs.
- They've always had the privilege of talking with a chatterbot.
- Refugees and prisoners have always been housed by the U.S. government at Guantanamo.
- Women have always been Venusians; men, Martians.
- McDonalds coffee has always been just a little too hot to handle.
- "PC" has come to mean Personal Computer, not Political Correctness.
- The New York Times and the Boston Globe have never been rival newspapers.
Copyright© 2011 Beloit College
Mindset List is a registered trademark
According to this recent Washington Post article, 44.5 percent of Generation Xers wont have enough in retirement savings to pay for their basic expenses well into their retirement.
Should we spending more time discussing retirement planning with our young adults while we're educating them about the basic tenants of good financial planning? It can't hurt, can it?
I've known a few career counselors who always emphasized to incoming freshman that it's never too early to begin writing that resumé. Perhaps we should adopt a similar attitude when it comes to educating students about sound financial planning.


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Added Feb 20, 2013
London, United K...
I absolutely love the version of this September top I made last year and I knew I wanted another one in my wardrobe, so I made this version in a really soft spongey wool that had been in my stash a while. I paired it here with another new make – a pair of denim-look knit leggings with great seaming and a very cool pleated section on the thigh. I love each of these on their own, but together they make the perfect transitional outfit!
To read way more and see more photos, head over to FehrTrade.com!
Grey wool blend from Elliott Berman in NYC
Denim-look jersey from Tissu Fabrics
MyImage magazine Winter 2012 M1253
Feb 21, 2013, 04.36 PMby squirrellypoo
Thank you both very much!
Feb 20, 2013, 07.53 PMby puffinlove
Love the top! Loved the blue one, love this one! Am currently working on one, directly inspired by your chic little sweatshirt. And the trousers are great, too! They go well with your pleated footwear :-)
Feb 20, 2013, 07.41 PMby Mary Athey
Fab outfit. Stylish and warm i especially love the leggings.x
Add to Favorites 2 people added it
Fashion & Trends
It's the first day of fall! Take a look back at summer's most popular dresses.
Backstage Report
with our top 5 reasons to register.
Editors' Pick
Flirty dresses, a cropped cami, and glam trousers for modern flappers.
Still time to enter! Deadline extended until September 29th
Editors' Pick
Check out these festive sewing patterns just in time for Oktoberfest
Make the Traditional Dirndl pattern
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text: ETB Travel News > Africa > South African Airways Express – Durban to Port Elizabeth South African Airways Express – Durban to Port Elizabeth November 16, 2011 Africa, Australia, Flight Review No comments Carrier: South African Airways Express / Aircraft CRJ700 Express JetFlight Number: SA1334 Departing 09:45amDuration: 1 hour and 15 minutesClass: Y – EconomyConfiguration: 2-2 EconomyCheck in experience: There was no queue and the experience was quick and easy. Staff are full of smiles and very welcoming. On time performance:There were no delays. Seat/Cabin conditions:Small overhead lockers which meant large carry-on bags were handed to the crew before boarding and they were placed under the aircraft. The seats were of a brown leather, plenty of leg room and very comfortable. Meals & Snacks:Passengers were served a tomato, cucumber and lettuce sandwich with dried fruits and water. Service:As this was a quick flight, the service was prompt and pleasant. Entertainment:Indwe magazine with categories on lifestyle, motoring, sports and business. Source = e-Travel Blackboard: A.V


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Some information is missing or invalid below.
Size : Please Select a Size
Learn more.
A checkered design with black ion-plated stainless steel details and sleek beveled edges makes this men's band a striking accessory.
Ring Details:
- Width: 7-mm
- Metal: stainless steel, black ion-plated stainless steel
- From the Cherish Always collection
- Model no. 21 KL21198S G
Diamond Details:
- Carat total weight: 1/8
- Cut: round
- Color: I
- Clarity: I2
- Setting: channel
Image(s) may be enlarged to show detail.
Diamond weights are approximate. Diamond total weights may vary between .01 and .08 ct. Some diamonds have fewer than 17 facets.
Rings are sized upon order. For this reason, please expect an actual delivery date later than the date listed on your order confirmation e-mail.
Promotional offers available online at Kohls.com may vary from those offered in Kohl's stores.
Sponsored Links
The links below are ads provided by the Google AdWords™ program. Outside companies pay to advertise via these links when specific phrases and words are searched. These ads are provided by Google and are labeled as sponsored links. Clicking on these links will open a new tab displaying that respective company's own website. The website you link to is not affiliated with or sponsored by Kohls.com


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As the title states.. Im looking for some local stores that sell Dessicant/ Silica packs to put in ammo cans. I went into Walmart, asked them and they looked at me like a retard! They had no freaking clue what I was talking about.
I went into Gander Mountain and saw (http://www.gandermountain.com/modperl/pr...mp;merchID=4006)
I guess it would work for the whole safe.


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May We Suggest
This blog provides customized book recommendations to our patrons. To get your own, just fill out the May We Suggest form and you can expect results within 10 days. You can also like May We Suggest on facebook.
Alternate History In Fantasy And Science Fiction
Lion's blood by Steven Barnes
Dinosaur summer by Greg Bear ; illustrations by Tony DiTerlizzi
Alvin journeyman by Orson Scott Card
The shadow of Ararat by Thomas Harlan
Humorous Historical Romances
Wonderful by Jill Barnett
The bridal season by Connie Brockway
Educating Caroline by Patricia Cabot
Mr. Impossible by Loretta Chase
Vampire Romances
Happy hour at Casa Dracula by Acosta, Marta
Touch of evil by C.T. Adams & Cathy Clamp
Kiss of midnight by Lara Adrian
Night bites by Nina Bangs
Historical Romance, Mystery, and Suspense
Yours always by Gabriella Anderson
Step into darkness by Naomi Bellis
Beyond compare by Candace Camp
A woman scorned by Liz Carlyle
Contemporary Romantic Suspense
Tough enough by Michele Albert
Skintight by Susan Andersen
A time to die by Beverly Barton
The unsung hero by Suzanne Brockmann
Mind Games: Books With Psychological Drama and Suspense
- Before You Know Kindness by Christopher Bohjalian
- Die for You by Lisa Unger
- The Dive From Clausen's Pier by Ann Packer
- The Gathering by Anne Enright
- Until It's Over by Nicci French
- While I Was Gone by Sue Miller
- Blogbrarian
- Login to comment
Comic Contemporary Romances
Skintight by Susan Andersen
Body & soul by Jennifer Archer
Born to be wild by Patti Berg
Just like a man by Elizabeth Bevarly
Read It On The Big Screen — Romance
Animal husbandry by Laura Zigman
The bridges of Madison County by Robert James Waller
Bridget Jones's diary : a novel by Helen Fielding
Chocolat : a novel by Joanne Harris
Murder on the Water
A superior death [sound recording] by Nevada Barr
Dangerous depths : an underwater investigation by Kathy Brandt
The lady in the lake [Large print] by Raymond Chandler
A share in death by Deborah Crombie
Sleuths Set in the Decades
Someone to watch over me by Jill Churchill
Damned in paradise : a Nathan Heller novel by Max Allan Collins
Murder at the president's door : an Eleanor Roosevelt mystery by Elliott Roosevelt
Murder in the rue de Paradis by Cara Black


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Enjoyed a 2 night stay in November. Andy and Jean were the perfect hosts and nothing was too much trouble. The bar was busy for most of the day with locals who seemed happy to join me in with their conversations. If your staying Bed 'n' Breakfast - beware! The breakfast is HUGE! I had to ask for a cut... More
- Also Known As:
- Cyprus Inn Scotland/Perth And Kinross


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The apple slaw is a new fav. Used pickled jalapenos and white onion (what I had on hand) and it worked out fine. Loved the crisp fresh taste.
Shrimp Tacos with Green Apple Salsa
Photo: Randy Mayor; Styling: Cindy Barr
Serve with mashed black beans.
Yield: Serves 4 (serving size: 2 tacos)
More From Cooking Light
Recipe Time
Hands On:
37 Minutes
Total: 49 Minutes
Nutritional Information
Amount per serving
- Calories: 259
- Fat: 9.4g
- Saturated fat: 1.6g
- Monounsaturated fat: 5.3g
- Polyunsaturated fat: 1.7g
- Protein: 21.2g
- Carbohydrate: 24.3g
- Fiber: 3g
- Cholesterol: 170mg
- Iron: 3mg
- Sodium: 364mg
- Calcium: 87mg
- 1 1/2 tablespoons olive oil, divided
- 4 teaspoons fresh lime juice, divided
- 1/4 teaspoon ground cumin
- 1/4 teaspoon hot smoked paprika
- 1/4 teaspoon ground red pepper
- 1 pound medium shrimp, peeled and deveined
- 1/3 cup sliced green onions
- 1/4 teaspoon salt, divided
- 1/2 teaspoon grated lime rind
- 1 Granny Smith apple, thinly sliced
- 1 minced seeded jalapeno pepper
- 8 (6-inch) corn tortillas
- 1 ounce crumbled queso fresco
- 1. Combine 1 tablespoon olive oil, 2 teaspoons lime juice, cumin, paprika, and red pepper in a small bowl. Combine shrimp and spice mixture in a zip-top plastic bag, and seal. Let stand 15 minutes.
- 2. Combine 1 1/2 teaspoons oil, 2 teaspoons juice, onions, 1/8 teaspoon salt, rind, apple, and jalapeño; toss.
- 3. Remove shrimp from bag; discard marinade. Heat a grill pan over medium-high heat. Sprinkle shrimp with 1/8 teaspoon salt. Arrange half of shrimp in pan; grill 2 minutes on each side or until done. Remove from pan; keep warm. Repeat procedure with remaining shrimp. Toast the tortillas in grill pan, if desired. Place 2 tortillas on each of 4 plates, and divide shrimp evenly among tortillas. Divide salsa evenly among tacos, and top with queso fresco.
My Notes
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Shrimp Tacos with Green Apple Salsa Recipe at a Glance
- COURSE: Main Dishes
- CONVENIENCE: Family
- MAIN INGREDIENT: Shellfish
- COOKING METHOD: Grill Pan, Marinate
- PUBLICATION: Cooking Light
More Recipes Like This
Soft Shrimp Tacos with Tropical SalsaCooking Light
Spicy Shrimp Tacos with Tomatillo SalsaCooking Light
Spicy Shrimp Tacos with Grilled Tomatillo SalsaCooking Light
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How did everyone hear that Chris likes brokencyde? Do you know if it's true or not?
I guess there's a picture of him in one of their albums but someone put it in there because I don't think Chris has the time to do that. Who know's if he likes them or not.
I'm just curious, it actually for this little survey my friends site has and such, but I was wondering if you would describe what you think each of the members would be like as a boyfriend?
Chris- I think he'd by the type that's always hugging and putting his arm around. He just seems like a sweet guy.
Jay- He'd be the boyfriend who loves to make you laugh no matter what and when you're down he'd be there to make you laugh.
Christian and Maika- I have no idea. Sorry! I've never met TFT but I tried my best with all of the above. :)


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Outsider Augusta causes another surprise
Claudia Augusta leads Tudor Fashion
(Healy Racing Photos)
Five odds-on shots have been turned-over in the last 12 races run in Ireland and Claudia Augusta's (ridden by Mark Enright) success surprised most, including her trainer Dessie Hughes who subsequently stated "I didn't think she'd go on that ground and thought she'd want it a lot better.
He added "she did run quite well at Thurles the second day though and I thought the extra half mile would suit her today. Her dam won a couple of bumpers."
Enright is currently leading Conditional Jockey with 25 wins.
Quotes from Alan Magee
See also
» Meeting Review for Punchestown, Wed, 20th Feb, 2013
» Result - Punchestown 3.40, 20th Feb Punchestown.com (Mares) M'dn H'dle
» All news for Wed, 20th Feb, 2013
|« Latest News
|Earlier News »


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Thursday, January 27, 2011
My Forever 21 Picks!
Natalie Thursday, January 27, 2011
I was just browsing on Forever 21's website and thought I'd share the items that I would pick out! I use to do posts like these.. but I haven't in a really long time. I was a little surprised by the selection of clothing.. there barely is any! Maybe because its near the end of winter..
Anyway, here is what I picked!
I'm not sure If I'll place an order for anything yet or not.. I may end up purchasing a few things. We'll see. :)
labels: Accessories
7 comments :
Have you read this article on Forever 21. I don't think I can shop there anymore =/
wow, dress is amazing! :)ReplyDelete
I love these posts :) The States site always has different clothes than us Canadians can get so I like seeing what items you can pick up.ReplyDelete
Very cute, love the shoes!!ReplyDelete
I love the quilted clutch. I picked it up in Black though, it looks so much better in person than online.ReplyDelete
Adore everything you picked!ReplyDelete
Drooling over the gold earrings and heels with the bow!
Every collection looking so beautiful. I attract by that. It such a lovely and beautiful collection.ReplyDelete
Subscribe to: Post Comments ( Atom )


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Treating the deck in the fall?
Hi everyone
Just wondering if fall is a good or bad time to treat the deck? By treating the deck I mean putting some product on it so that it's more resilient to water.
The deck is about five years old.
The temperature in my area is lingering around ten degrees, and it's rainy at times...
Best time is late summer when the deck is at it's dryest.
|All times are GMT -6. The time now is 02:21 PM.


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Meet the College Women Who Are Starting a Revolution Against Campus Sexual Assault
The survivors who "have built the most effective, organized anti-rape movement since the late '70s."
The survivors who "have built the most effective, organized anti-rape movement since the late '70s."
Posing for family survival in a society that values boys over girls.
An oral history of the Tinderverse.
Marital advice columns from the past.
A survivor of conversion therapy gets the wedding of her dreams.
On the rise in gay teens who are cast out by their families.
Now 91, she was once the "world's most exclusive madam."
A profile of Candy Barr—porn star pioneer, burlesque legend, Texas folk hero.
On the history of masturbation.
Gang-bang buffet tables, deeply earnest 'Letters to the Editor,' ghost-writing Kierkegaard references into model bios in Barely Legal, and how a half-decade of reviewing porn eroded the thin line between the author's alter egos and self.
The debate surrounding Truvada, the first drug approved by the FDA to prevent HIV.
Somaly Mam's harrowing story of her own flight from sexual servitude and the stories of hundreds of girls she rescued from Cambodian brothels brought her fame and helped raise millions for her non-profit. Does it matter if none or few of the stories are true?


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Size ( Size & Fit Information ) : Please Select a Size
Featuring a brief lining and reflective elements, these men's FILA SPORT shorts are made for running.
Product Features
- Mesh panels offer breathability.
- 1-pocket
Fabric & Care
- Polyester
- Machine wash
- Imported
Sponsored Links
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'Wii Fit Plus' UnveiledAs expected, Nintendo announced Wii Fit Plus this morning during its E3 press conference, a follow-up to the popular exercise software.
Six new strength and yoga activities will be included in the game, in addition to fifteen new balance games. Users can now combine the exercises in any order they want, and omit any interludes between the exercises. The title will also keep track of the total number of calories users burn while exercising.
Wii Fit Plus arrives this fall as a bundle with the balance board. The title will also be available as a stand-alone disc.
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- 3 weeks ago by Jill O'Rourke
- 5 Comments »
- Share a Tip
He just pulls his pants down in a hurry like he overslept and has to get changed for work. More
He just pulls his pants down in a hurry like he overslept and has to get changed for work. More
It's probably a little too early to say we told you so, but as someone who's been telling you for months that Justin Timberlake and Jessica Biel might be heading for divorce, I'm not super shocked to hear that there are claims JT was getting a little cozy with one of his touring singers. More
How did you spend your Labor Day weekend? Maybe you did some barbecuing? Perhaps had a movie marathon? Just went about your business as usual, with nothing particularly memorable happening? Well, Justin Bieber started his weekend off by getting arrested in Canada after crashing his ATV into a minivan. More
That's right. Last night Justin and Selena were apparently at an LA Dave & Busters together… and Justin allegedly proceeded to slap someone. A someone of the female variety. More
Several media outlets are reporting that shots were fired at Chris Brown's pre-VMAs party last night at his club in West Hollywood, and that Brown himself was allegedly the intended target. More
First things first, I'm the sorriest. I'm sorry because you've all had to start your Saturday morning off with a cup of piping hot Justin Bieber news instead of a bucket of ice water being poured over a celebrity's head. More
Oh hadn't you heard? Selena Gomez and Justin Bieber are back together again. And even though you probably feel like you know exactly how this will end (and rightfully so), they're claiming it's the real deal this time, because they've been going to spiritual counseling together. Sigh. More
I'm sure she had a really fun party, maybe a sleepover with her best girlfriends where they ate pizza and cupcakes and watched Titanic. Wow, this really takes me back to my teenage years. There was this one time… Wait, what's that? More
Most recently in the news not for her music but for accusing Miley Cyrus of "prostituting herself", Sinead decided to open our eyes and minds up to the fact that Justin Bieber is being "sold on his sexuality." More
I never thought I'd say this, but I think we just found someone who can rival Justin Bieber for brattiness – Kanye West. More
Ever since the announcement this morning that Ariana Grande and her boyfriend Jai Brooks had broken up, we've been hard at work thinking up whom she should date next. After all, the girl has never been single for long! More
Two people who are probably not so into Chris right now are Orlando Bloom and Justin Bieber, because they were just simultaneously dissed by Chris on the radio. More
Upon watching this video, two things will immediately become apparent: 1. Justin Bieber is suffering from a serious case of crustache; and 2. Maybe he and Chris Brown should just date already, because they're pretty much the only two people left on earth who don't find each other insufferable. More
Or maybe Karlie Kloss doesn't want you to know, since she deleted all evidence of which side she stands on in the Bieber/Bloom Fisticuffs Scandal of 2014 pretty much immediately after posting. But we see you, girl! More


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"Thunder and Lightening have been at the shelter since July of 2012 as part of a hoarding/neglect case. They are now available for adoption and are looking forward to finding their forever homes! Thunder and Lightening cannot be housed together, because of their nature, but do like to be in the same room, so they can converse in their bird-speak. They sing and laugh, and can be quite entertaining.
Did you know? Their usual call is a monotonous and high-pitched crooning sound which they repeat 10 to 30 times. They have a second call that sounds like laughter
These doves tend to start cooing and calling at around 4:30 a.m., so they are looking for owners who are early rises and would like someone to talk to in the morning"


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Stonegate Agricom Ltd.
Miscellaneous Metal Ores Not Elsewhere Classified Canada
| Toronto Stock Exchange: ST.WTA | Toronto Stock Exchange: ST | OTC Markets: SNRCF
Similar to: Fortune Minerals Ltd., Hard Creek Nickel Corp.
Stonegate Agricom Ltd. is engaged in the acquisition, exploration and development of agricultural nutrient projects. The company is undertaking to explore and assess the potential for the development of its two principal assets, the Mantaro phosphate project located in Peru and the Paris Hills phosphate project located in Bear Lake County, Idaho. These properties contain phosphate deposits that are strategically located in agricultural centers in North and South America. Stonegate Agricom was founded on August 18, 2008 and is headquartered in Ontario, Canada.


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Underground Luxury CD
Fly Type Slim Fit T-Shirt
In This Bitch Slim Fit T-Shirt
this song sounds so good live...cant imagine the studio version.
so excited! heard that "bet i bust" w/ playboy trey.....
smh.....im speechless....
hahaa that was nice.
there are some huge artists on that top 25!
...no wonder Bobby Ray is on the list.
he was freakin cute in this vid