text:
Oliver Kahn says it is vital for Bayern Munich to remain calm in the second leg of their Champions League semi-final away against Real Madrid.Jupp Heynckes' men secured a 2-1 lead in the first leg at the Allianz Arena, and Kahn has urged his former team not to lose their cool in Wednesday's return clash at the Santiago Bernabeu.
Cristiano Ronaldo (PG) 6'
1 - 0
Cristiano Ronaldo 14'
(assist by M. Özil)
2 - 0
2 - 1
|Sergio Ramos
|Xabi Alonso
|M. Özil
|S. Khedira
|Á. di María
|Cristiano Ronaldo
|6' 14'
|K. Benzema
|Coach: José Mourinho
|M. Neuer
|P. Lahm
|J. Boateng
|D. Alaba
|H. Badstuber
|A. Robben
|27' 90'
|B. Schweinsteiger
|F. Ribéry
|Luiz Gustavo
|T. Kroos
|M. Gómez
|Coach: J. Heynckes
for Á. di María 75'
for K. Benzema 106'
for M. Özil 111'
for F. Ribéry 95'
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text:
Idea in Brief
Leaders can counter rudeness at work both by monitoring their own actions and by fostering civility in others.
Strategies for managing yourself include modeling good behavior and asking for feedback. Turn off your iPhone during meetings, pay attention to questions, and follow up on promises.
When it comes to managing the organization, you should hire for civility, teach it, create group norms, reward positive behavior, penalize rudeness, and seek out former employees for an honest assessment of your company's culture.
Failure to keep tabs on behavior can allow incivility to creep into everyday interactions—and could cost your organization millions in lost employees, lost customers, and lost productivity.
Rudeness at work is rampant, and it's on the rise. Over the past 14 years we've polled thousands of workers about how they're treated on the job, and 98% have reported experiencing uncivil behavior. In 2011 half said they were treated rudely at least once a week—up from a quarter in 1998.
The costs chip away at the bottom line. Nearly everybody who experiences workplace incivility responds in a negative way, in some cases overtly retaliating. Employees are less creative when they feel disrespected, and many get fed up and leave. About half deliberately decrease their effort or lower the quality of their work. And incivility damages customer relationships. Our research shows that people are less likely to buy from a company with an employee they perceive as rude, whether the rudeness is directed at them or at other employees. Witnessing just a single unpleasant interaction leads customers to generalize about other employees, the organization, and even the brand.
We've interviewed employees, managers, HR executives, presidents, and CEOs. We've administered questionnaires, run experiments, led workshops, and spoken with doctors, lawyers, judges, law enforcement officers, architects, engineers, consultants, and coaches about how they've faced and handled incivility. And we've collected data from more than 14,000 people throughout the United States and Canada in order to track the prevalence, types, causes, costs, and cures of incivility at work. We know two things for certain: Incivility is expensive, and few organizations recognize or take action to curtail it.
In this article we'll discuss our findings, detail the costs, and propose some interventions. But first, let's look at the various shapes incivility can take.Forms of Incivility
We've all heard of (or experienced) the "boss from hell." The stress of ongoing hostility from a manager takes a toll, sometimes a big one. We spoke with a man we'll call Matt, who reported to Larry—a volatile bully who insulted his direct reports, belittled their efforts, and blamed them for things over which they had no control. (The names in this article have been changed and the identities disguised.) Larry was rude to customers, too. When he accompanied Matt to one client's store, he told the owner, "I see you're carrying on your father's tradition. This store looked like sh-- then. And it looks like sh-- in your hands."
Matt's stress level skyrocketed. He took a risk and reported Larry to HR. (He wasn't the first to complain.) Called on the carpet, Larry failed to apologize, saying only that perhaps he "used an atomic bomb" when he "could have used a flyswatter." Weeks later Larry was named district manager of the year. Three days after that, Matt had a heart attack.
The conclusion of Matt's story is unusual, but unchecked rudeness is surprisingly common. We heard of one boss who was so routinely abusive that employees and suppliers had a code for alerting one another to his impending arrival ("The eagle has landed!"). The only positive aspect was that their shared dislike helped the employees forge close bonds. After the company died, in the late 1990s, its alums formed a network that thrives to this day.
In some cases an entire department is infected. Jennifer worked in an industry that attracted large numbers of educated young professionals willing to work for a pittance in order to be in a creative field. It was widely accepted that they had to pay their dues. The atmosphere included door slamming, side conversations, exclusion, and blatant disregard for people's time. Years later Jennifer still cringes as she remembers her boss screaming, "You made a mistake!" when she'd overlooked a minor typo in an internal memo. There was lots of attrition among low-level employees, but those who did stay seemed to absorb the behaviors they'd been subjected to, and they put newcomers through the same kind of abuse.

subset: commoncrawl


text:
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Wasted Tears arrived Friday on a van from Texas. Special Duty was flown in Saturday night from France. Gypsy's Warning is scheduled to be flown west from Maryland Monday.
The three fillies and mares were among seven entered at Hollywood Park Sunday for the $250,000 Matriarch Stakes, which kicks off the $950,000 Turf Festival Friday. Four more turf stakes will be run Saturday and Sunday.
The female logging the most travel miles for the Grade I Matriarch at one mile is Special Duty, a 3-year-old filly trained in France by Christiane "Criquette" Head-Maarek for owner-breeder Juddmonte Farms.
Special Duty, winner of the Group I Cheveley Park Stakes at Newmarket last year and the Group I Thousand Guineas at Newmarket and Group I French Thousand Guineas at Longchamp this year, is scheduled to clear quarantine Monday morning and go to the track.
The English-bred daughter of Hennessy was accompanied by assistants Pascal Galoche and Charlie Rossi. Head-Maarek is scheduled to arrive Thursday night.
Juddmonte, owned by Prince Khalid Abdullah, has won the Matriarch a record six times in the 28-year history of the race. Five of the wins were for late Hall of Fame trainer Bobby Frankel, who passed away last year shortly before Ventura won an emotional sixth for Juddmonte for former Frankel assistant Humberto Ascanio.
Wasted Tears, a 5-year-old mare owned, trained and bred by Bart Evans, is vanned to all her races across the country from his Texas ranch. She made an auspicious California debut in August with a game wire-to-wire victory in the Grade II John C. Mabee Stakes on the Del Mar turf.
Stabled in Barn 53 North, Wasted Tears will try to rebound from a fifth-place finish in the First Lady Stakes at Keeneland October 9 that ended a seven-race winning streak. Kentucky-bred Wasted Tears has won 11 of 17 career starts.
Gypsy's Warning, a 5-year-old South African-bred mare, will be shipped here from the Fair Hill, Md., training center of Graham Motion for the second time in two months. She finished a strong third in the Grade I Yellow Ribbon Stakes here October 2 after setting most of the pace.
Trainer Rick Dutrow confirmed from New York Sunday that Court Vision would be flown west Monday after a morning breeze at Aqueduct to compete in the $250,000 Citation Handicap Saturday.
Dutrow said that his brother, Chip, will deputize after the 5-year-old horse is bedded down in the barn of Mike Mitchell, 72 West. Joel Rosario will ride the horse for the first time in the Grade II test at 1 1/16 miles on turf.
Court Vision showed an affinity for the Hollywood Park turf in his only previous outing on it, a victory in the Grade I Hollywood Derby two years ago. Court Vision went on to two more Grade I victories on grass—the Shadwell Turf Mile at Keeneland last year and the Woodbine Mile earlier in 2010—en route to more than $2.5-million in earnings.
Court Vision is the expected starting highweight at 122 pounds. Other probable starters include Enriched, Patrick Valenzuela, 120; Proudinsky, Rafael Bejarano, 118; Victor's Cry, no rider, 118; Violon Sacre, Pablo Fragoso, 118; Bruce's Dream, Joe Talamo, 117; Colgan's Chip, Brice Blanc, 115; Meteore, Alonso Quinonez, 115; and Ryehill Dreamer, no rider, 114.
Trainer Neil Drysdale said that a probable Monday work would clarify the status of Oak Tree Mile winner Liberian Freighter, assigned 117.
Violon Sacre is also scheduled to be shipped west Monday. Based at Monmouth Park with trainer Patrick Biancone, the 5-year-old horse won the Grade III Knickerbocker Handicap on the Belmont turf October 17 in his last start.
Dutrow said that Court Vision would be accompanied on the flight by Cloneylass, a 2-year-old filly who will run in the $100,000 Miesque Stakes Sunday. The Irish-bred filly finished a closing third in the Jessamine Stakes, her United States debut at Keeneland October 14.
Citrus Kid, runner-up in the Grade I Jamaica Handicap in his last start on the Belmont Park turf on October 9, hopes to follow the success stories of other Eastern invaders in the $250,000 Hollywood Derby Nov. 28. The Grade I test is for 3-year-olds at 1 ¼ miles on turf.
A lengthy list of shippers to win the prestigious race include Court Vision in 2008, Showing Up in 2006 and Good Reward in 2004.
Citrus Kid, a Kentucky-bred son of Lemon Drop Kid out of Orange Ice, is trained by John Terranova and will be ridden for the first time by Rafael Bejarano.
Other probable starters include Oak Tree Derby winner Fantastic Pick (Corey Nakatani), Oak Tree Derby runners-up Blue Panis (Joe Talamo), Kid Edward (David Flores) and Sebastian Flyte (Joel Rosario), El Cajon Stakes winner Haimish Hy and recent allowance winner Juniper Pass (Brice Blanc).
E Z's Gentleman, who scored the biggest victory of his career in the Grade I Triple Bend Handicap here in July, blew out three furlongs in 36.80 here Sunday morning before trainer Bob Baffert entered him in the $100,000 Vernon Underwood Stakes, highlight of a Thanksgiving Day program. Post time Thursday is 11 a.m.
E Z's Gentleman will face five rivals in the Grade III test at six furlongs on Cushion Track, including California Cup Sprint winner Cost of Freedom.
Defending champion Kinsale King worked four furlongs in 48.80 but will skip the race to target the Hong Kong Sprint December 12, according to trainer Carl O'Callaghan. The international globetrotter has already visited Dubai and England this year in addition to California and Kentucky.
Trainer Doug O'Neill said that he planned to enter a trio of Boxeur des Rues, Divine Child and Dominator in the $100,000 Generous Stakes, a Grade III test for 2-year-olds at one mile on turf Saturday.
Boxeur des Rues will be reunited with jockey Rafael Bejarano after bolting at the far turn and unseating him in his United States debut in the Norfolk Stakes here on October 2.
"Boxeur des Rues has been working with Rafael and has been looking like the horse we hoped he was," said O'Neill of the English import, who won his debut at Kempton in September.
"Dominator has been here a few weeks," said O'Neill of a second English import. Dominator will make his first U.S. start after a maiden win in his first start at Ayr in August.
Divine Child finished fourth in the Real Quiet Stakes November 6.
Real Quiet winner Comma to the Top, another Generous nominee, worked five furlongs in a bullet 59.40 for trainer Peter Miller.
Other probable starters includee English import Surrey Star (Joe Talamo), Moment of Weakness (Corey Nakatani), Gab Power (Patrick Valenzuela) and Great Rising Star (Victor Espinoza).
FINISH LINES— Hall of Fame jockey Mike Smith, who was named recipient of the 2010 Big Sport of Turfdom Award by the Turf Publicists of America, will be in Japan this week to ride in all-star competition and return here Sunday, according to agent Brad Pegram*…California Cup Classic winner Soul Candy worked six furlongs in a bullet 1:12.80 for trainer *Paddy Gallagher for the $100,000 Grade III Native Diver Handicap on December 4…Premier Pegasus, winner of the $100,000 Grade III Hollywood Prevue Stakes Saturday, will try to follow in the footsteps of Declan's Moon when he returns for the $750,000 CashCall Futurity December 18 for owner-breeder-trainer Myung Kwon Cho. Declan's Moon, the last horse to complete the Prevue-Futurity sweep in 2004, capped an unbeaten 2-year-old season with his fourth win, a figure that Premier Pegasus will try to duplicate…Lookin at Lucky, who won the Futurity last year en route to an Eclipse Award, has been retired to Ashford Stud in Kentucky…Trainer Mike Machowsky said the Malibu Stakes at Santa Anita on December 26 is next for Caracortado, an impressive winner in his turf debut here this month…Switch, runner-up in the Breeders' Cup Filly & Mare Sprint, worked a bullet four furlongs in 46.60 for trainer John Sadler for the La Brea Stakes at Santa Anita on December 26…Trainer Vladimir Cerin is one shy of 1,000 career victories, a milestone he hopes to reach Thursday…Complimentary Thanksgiving Day dinners will be served to licensed horsemen Thursday in the stable kitchen, beginning at 10 a.m.
Copyright © 2009-2014, Hollywood Park. All rights reserved.


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There are two things your youngster certainly likes: watching Kyle Busch race and M&M candies. Every time you guys hit the track, you make sure you two get decked out in #18 gear and bring along a huge bag of M&Ms. Well, let your youngster rep his two passions at once even when he's not at the track with this M&M tee from The Game. This soft tee features the green M&M along with Kyle's name and number on the front and another driver number at the left sleeve!
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INGLEWOOD, Calif. (December 13, 2012)—Monument will try for his third win against California breds in the $200,000 King Glorious Stakes Sunday at Betfair Hollywood Park.
The inaugural running of the King Glorious, which is part of the Golden State Series for California bred or sired horses, is the feature on the final day of the Autumn meet. Post time is 12:30 p.m. Track gates at Betfair Hollywood Park will open at 10 a.m. for simulcasts.
Scheduled for seven furlongs over Cushion Track, the King Glorious, which is for 2-year-olds, is the ninth of 11 races.
During the afternoon, gift cards and other special prizes will be given away in drawings held between each race.
Owned by breeders Lee and Susan Searing's C R K Stable and trained by John Sadler, Monument has yet to lose against fellow state breds. The Cindago colt out of the Beautiful Crown mare Grant Marty a Wish defeated $40,000 maidens in his debut Aug. 2 at Del Mar and won the California Cup Juvenile Oct. 13 at Santa Anita.
Monument has one win in three starts against open company and has a bankroll of $195,500. He won a starter allowance in his second career outing Aug. 22 at Del Mar before finishing second behind Carving, who is entered in Saturday's Grade I CashCall Futurity, in the C.B. Afflerbaugh Stakes Sept. 12 at Fairplex Park.
In his first appearance in a graded race, Monument finished last in the Grade I Breeders' Cup Juvenile Nov. 3 at Santa Anita.
Graduation Stakes winner Strong Wind returns to the scene of his maiden victory for trainer Steve Knapp and a partnership that includes Roncelli Family Trust and Bill and Sue Tomasic.
A son of Tribal Rule and the Memo mare Chalk Face, Strong Wind won by 6 ¼ lengths against state bred maidens June 30 at Betfair Hollywood Park. The chestnut is 2-for-8 with earnings of $137,360.
Claimed for $16,000 Sept. 15 at Golden Gate Fields by Vegas Racing Team LLC and trainer Carl O'Callaghan, Hazardous comes off a fourth place finish in the Breeders' Cup Juvenile Sprint Nov. 2 at Santa Anita.
The Candy Ride gelding out of the Malek mare Malley Girl has two wins in four attempts and a bankroll of $54,380.
Havoc returns from Northern California after remaining perfect in his second start in a starter allowance Nov. 23 at Golden Gate.
An Exchange Rate gelding out of the Saratoga Six mare Itsayesthing defeated $30,000 maidens in his Oct. 18 bow at Santa Anita and was claimed out of the victory by trainer Bill Morey for the Joseph P. Morey Jr. Revocable Trust. He's earned $26,040.
Surfcup will shorten up and switch surfaces after a first out maiden win at one mile on turf Nov. 23. Trained by Hall of Famer Bob Baffert for owner-breeder Don Dizney, the Unusual Heat colt out of the Runaway Groom mare Omi Princess banked $27,000 for the nose score, accomplished after a slow start.
Fighting Hussar and Lovmeister, who finished 1-3 in a state bred allowance Nov. 15 at Betfair Hollywood Park, return in the King Glorious.
Owned by B G Stable and trainer Hector Palma, Fighting Hussar has won two of five and earned $88,200. Supplemented at a total cost of $3,000, the gray is a son of Rockport Harbor and the Regal Classic mare Lightning Pace.
A Nineeleven colt out of the West by West mare Walk West, Lovmeister will be trying to end a seven race losing streak for trainer Walther Solis and owners Patsy London, John Winters, Templeton Horses LLC and breeder Terry Lovingier.
Lovmeister hasn't won since he defeated state bred maidens by a half-length as the 13-10 favorite in his debut April 29 at Betfair Hollywood Park.
Solis and the same partnership will also be represented by Awesome Annie, the lone filly in the field.
A daughter of Awesome Gambler and the Mane Minister mare Cars and Cigars, Awesome Annie has one win in eight starts and a bankroll of $93,740.
Completing the King Glorious lineup are Tiz a Minister, Back to Bako and Weewinnin.
Trained by Paul Aguirre for S.A.Y. Racing LLC, Tiz a Minister has one win in six starts and earnings of $63,780. The Ministers Wild Cat colt out of the Cee's Tizzy mare Tiz a Mistress won his most recent start Nov. 11 over Cushion Track.
Owned by breeders John Harris and Don Valpredo and trained by Blake Heap, Back to Bako has been second in all three races, earning $33,000. The son of Aragorn and the Arazi mare Escape With Me was most recently defeated by Tiz a Minster when the 2-1 favorite last month.
A Comic Strip colt out of the Roman Dancer mare Honoree Lady, Weewinnin has one win in two starts and earnings of $15,900. Trained by Brian Koriner for a partnership that includes E-Racing.com, Jill and Dr. William Gray and Janet Lyons, Weewinnin has been idle since finishing fourth in the Graduation Stakes Aug. 1 at Del Mar.
From inside out, the field for the Soviet Problem Stakes: Lovmeister, Martin Pedroza rides, 117 pounds; Hazardous, Garrett Gomez, 115; Awesome Annie, Orlando Mojica, 117; Strong Wind, Joe Talamo, 119; Fighting Hussar, Rafael Bejarano, 119; Monument, Juan Hernandez, 121; Back to Bako, Mike Smith, 115; Weewinnin, Jose Valdiva, Jr., 115; Surfcup, Martin Garcia, 117; Havoc, Aaron Gryder, 115 and Tiz a Minister, Tyler Baze, 117.
Copyright © 2009-2014, Hollywood Park. All rights reserved.


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Friday, September 30, 2011
Anyway, the only appointment I could get was at 10:00am, which means that Cal missed the morning at school, and when I saw what time it would be by the time I dropped him back off (after lunch, halfway through recess, with only two hours left before dismissal) I decided to just get his assignments from his teacher and keep him the rest of the day for some quality time, just him and me. It's something we don't get to do very often. We need to do it more.
The fact of it is, although I talk about Cal much more on this blog (first pass effect, I guess), Mack actually much more attention from me when I'm home. The thing it is that Mack is little, and just in terms of the activities of daily living, he needs a lot more minute-to-minute maintenance, whereas Cal I can just tell to go do his homework or go read a book or please wash your hands and get ready for dinner. He's pretty well-behaved too, which means that for the most part, he doesn't need me on top of him for every single last detail. Which is good of course, but when you work a lot and have two kids, I think it sometimes means he gets less actual time with me outside of the purely purpose driven tasks and me prodding him to hit all the points he needs to hit before bedtime each night.
Yesterday, we went to the dentist. Then I took him out for lunch at Five Guys Burgers and we stopped by Staples to pick up one of those plastic report covers for a school project due next week before finally heading home. The dentist, burgers, and a plastic report cover. But just him and me. Cal told me later that it was one of the best days ever.
I told him we'd do it again soon.
17 comments:
"Like!" :)ReplyDelete
Thanks for posting this. I'm a psychotherapist, and when I work with families, I try to get people to think about spending "special time" with each pair in the family. (Each parenting figure + each kid person, regardless of legal/official terms.) People sometimes don't want to, because of difficulty/expense, but *this* is what I'm talking about!ReplyDelete
I know, I wish the adult dentist was like that too!ReplyDelete
I was catching up on your blog last night instead of going to sleep, and then got TOTALLY distracted searching for pens. And I think Cal might need this: http://www.jetpens.com/Pilot-FriXion-Color-Pencil-Like-Erasable-Gel-Ink-Pen-0.7-mm-24-Color-Set/pd/3688ReplyDelete
I want it VERY BADLY. But graduate school "salary" = a bad idea for me to buy these. How awesome is that collection?!
I know, I was looking at it too!! Oh Jetpens, you complete me.ReplyDelete
Lancaster Dental Arts a Top Lititz's Family Dentistry. At Lancaster Dental Arts we excel at both clinical and interpersonal aspects of patient care. We will persist to aspire to be the best place for your general dental care in Lititz. Dentist Lititz PAReplyDelete
That is really ingenious. That would have got me to sit still. I wonder if the orthodontist in Kitchener will try something like this.ReplyDelete


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Sherlock, Doctor Who, Benedict Cumberbatch, David Tennant, Tom Hiddleston, Matt Smith, Avengers, Supernatural, How I met your mother, Friends, Hamlet and Once Upon A Time, The Hour
we ship sherlock/john, river/eleven, and everything on legs, don't matter the gender
thank you for visiting our blog!! when you have some time, it would be amazing if you could check out our lovely little shop below.
[+22/100 Once Upon A Time photo's]
Linderliju dvīņi. Terenss un Verts.
huntsman :C


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Showing 1 - 1 of 1 Product
Model: 15-230 |
Catalog #: 15-230
Connect your HDTV source to your HDTV with this component cable.
Online prices and product selection may vary from our retail stores. All prices and offers are subject to change. Copyright RadioShack Corporation 2014. All rights reserved.


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Shih Tzu Puppies for Sale
Hercules - ACA Male Shih-Tzu
• Male • $450
Jayla - Shih Tzu Female
• Female • $650
• Female • $1,199
• Male • $1,199
View More Puppies for Sale
Breed Group: Toy
Weight: 9 - 16 lbs
Height: 8 - 11 inches
Color(s): Any
The Shih Tzu is often referred to as a "small lion". They originated in Tibet, but are most associated with China where they were highly revered as a palace pet and prized companion. The Shih Tzu is an active, happy, and affectionate breed.
The Shih Tzu is small, sturdy, and intelligent. They carry themselves with a noble and proud posture befitting their aristocratic ancestry. One of their most valued characteristics is the eye, which exude warmth and a human-like quality. The Shih Tzu is the least delicate of the toy breeds.
The Shih Tzu is first and foremost a companion. They love nothing more than being indoors with their family. This breed gets along very well with older children and other pets. They are outgoing and self-assured, keen and alert. They make excellent watchdogs. They do not do well being separated from their owners and may become destructive if left alone for extended periods of time. They are docile and quiet, but
they also love to play. The Shih Tzu is spunky and can be obstinate at times. They expect to be treated as royalty and are easily spoiled.
The Shih Tzu requires extensive grooming. They need brushed daily to prevent knots, tangles, and mats. They need to be bathed monthly. They are not suited for humid climates. It is important to keep their eyes and ears cleaned. Their eyes are particularly sensitive. They are prone to kidney disease and slipping kneecaps. The Shih Tzu's short
muzzle makes it exceptionally prone to snoring and wheezing problems. Dental hygiene is crucial to prevent tooth loss. They tend to gain weight easily and must not be overfed.
The Shih Tzu has a long, dense, and abundant double-coat. The luxurious and profuse outer-coat often sweeps the ground, and may be slightly wavy. The under-coat is wooly and soft in texture. The long hair on top of the head is typically placed into a topknot to prevent eye irritation. The Shih Tzu coat varies widely in color. They are minimal shedders and are considered hypoallergenic.
The Shih Tzu may be difficult to housetrain. The crate method works best. Although they are eager to please, and quick to learn, this breed's stubborn streak requires persistence and consistency. They do not respond to harshness or punishment. The Shih Tzu does very well in obedience training provided it is low-key and motivational.
The Shih Tzu enjoys short daily walks or vigorous indoor play sessions and games. They are very well suited for apartment or condominium dwelling. However, they love to play outside, so a small fenced yard is ideal.
If you are looking for Shih Tzu puppies for sale from reputable Shih Tzu breeders or to adopt Shih Tzus from a Shih Tzu rescue then make sure you understand as much about the dog breeds you are interested in as you can. Every puppy breed is different. Begin your research by reading the breed information about the Shih Tzu puppy above. Search our dog breeds section to find Shih Tzu puppies that make great pets.
Are you knowledgeable about a certain breed? Share what you know!
We provide the only safe marketplace for Shih Tzu dog breeders to list and rehome their purebred Shih Tzu puppies. Shih Tzu dog breeders listing puppies on Next Day Pets are required to verify their identity for your protection. Most dog breeders with Shih Tzus for sale offer health guarantees and may be shipped worldwide. With over 100,000 active dog breeders, we can assure you you'll find the perfect puppy for your family.


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State briefs
McCrory visiting Texasto talk offshore energy
RALEIGH (AP) — Gov. Pat McCrory is visiting an offshore energy trade conference in Texas to try to help build momentum for drilling off the coast of North Carolina and other states.
McCrory says he'll participate in a panel discussion with other governors at the Offshore Technology Conference in Houston.
McCrory recently joined a coalition of governors in Outer-Continental Shelf states that want President Barack Obama's administration to open more coastal waters to natural gas and oil exploration.
In the Republicans' weekly radio address over the weekend, McCrory said he asked the president in February to expand offshore leasing. He asked him during a visit to Washington with other governors.
McCrory says the energy industry could create thousands of jobs and reduce America's dependence on foreign oil and generate state revenues.
Flooding downs power lines, trees across state
ASHEVILLE (AP) — At least one person has died as heavy rain and wind pounded western North Carolina, downing trees and power lines and delaying or closing schools in some counties.
Authorities say a Norfolk Southern worker was killed in a mudslide as he checked on tracks near Black Mountain early Monday.
Norfolk Southern spokesman Robin Chapman says 33-year-old Joseph Drewnoski and a colleague were inspecting the rails near Black Mountain after a mudslide around 2 a.m. Monday when a second mudslide knocked their special truck with rail wheels off the track.
Authorities say Drewnoski was outside the truck was buried and killed. The employee who was still in the truck called for help and was rescued.
Chapman says the dead worker's body was recovered about five hours later. Drewnoski was an assistant foreman and had been with Norfolk Southern for eight years.
More than 1,000 customers were without electricity Monday.
The National Weather Service had flood warnings and flood watches across much of the western and north central parts of the state.
Flooding prompted schools to close in Avery County. Schools were opening two hours later than usual in Watauga County.
Emergency crews in Burke County rescued at least two people from a campground.
Some parts of the region have received up to 5 inches of rain. More rain was possible from the latest round of storms.
Couple accused of zip-tying 4-year-old
RALEIGH (AP) — Authorities in Raleigh accuse a couple of using zip ties to bind their 4-year-old daughter's wrists and ankles to a baby gate.
Raleigh police say 26-year-old Gerald Thomas Swinehart pushed or kicked the girl so hard that her lower teeth broke through her lower lip. Police say Swinehart and 28-year-old Marianne Victoria Coffey are accused of using the plastic ties used by electricians to bundle wires to tie the child to the gate.
Arrest warrants say the incidents occurred in February and March.
Swinehart is charged with two counts of intentional child abuse inflicting serious physical injury. Coffey is charged with one count.
Middle school teacher accused of peeping
HICKORY (AP) — A Catawba County middle school teacher has been suspended with pay after his arrest on a peeping charge.
Authorities say 50-year-old Scott Grantham is charged with two felony counts of secret peeping. He is free on $10,000 bond.
The sheriff's office said a student told investigators that the teacher used a video camera to shoot down the student's blouse as he approached her from behind.
Catawba County Schools officials said Grantham is prohibited from being on any campus owned or operated by the system and from communicating with employees and students during his suspension. Officials declined to discuss any additional details.
NC, SC cities among tops for unmarried moms
GREENVILLE (AP) — A new U.S. Census report finds that a North Carolina city is No. 2 in the country for its percentage of recent unmarried mothers, and two South Carolina cities are in the Top 10.
The report says about 36 percent of births in 2011 were to unmarried women.
A number of metropolitan areas had considerably higher percentages of unmarried recent moms. Tops was Flagstaff, Ariz., where three out of four recent mothers were unmarried.
Greenville, N.C., was second with 69 percent of births in 2011 coming to unmarried women.
In South Carolina, Myrtle Beach was fourth with two-thirds of new moms unmarried, while Sumter had more than six out of 10 births coming to unmarried moms.
Louisiana, Mississippi and New Mexico were the states with the highest percentages.
Boat fees may go up for dredging projects
RALEIGH (AP) — A North Carolina Senate proposal to channel higher annual and one-time fees on most North Carolina boats and watercraft to coastal dredging projects is heading to the state House.
The measure given final Senate approval Monday night by a 38-11 vote would raise titling fees on boats and ID numbering fees on vessels that require them. Much of the money would provide matching funds for local projects.


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SBA Leadership
Francisco A. Marrero
Francisco A. Marrero was appointed district director of the U.S. Small Business Administration's (SBA) South Florida District Office on February 12, 2001. As district director, Mr. Marrero oversees the delivery of agency programs such as financial assistance, management counseling and business development throughout the South Florida area.
Mr. Marrero directs the activities of several permanent SBA employees and manages the implementation of SBA's program and services for the South Florida District which serves more than 1 million small businesses in the 24 counties south of Orlando, Florida.
Additionally, Mr. Marrero has oversight responsibilities for SBA Resource Partners located in the district: SCORE – Counselors to America's Small Business; two Women's Business Centers; and the Small Business Development Centers (SBDC) network.
Prior to his appointment to the South Florida District Office, Mr. Marrero served as district director in the New Jersey District Office, and deputy district director in the New York City District Office. He has held key management positions in the SBA's headquarters in Washington D.C., the New York Regional Office, and the Puerto Rico/Virgin Islands District Office.
Marrero's leadership and accomplishments as a federal manager have been recognized by two Presidential Rank Awards (2004, 2002); Distinguished Civilian Service Award (2004) and Meritorious Civilian Service Award (2002).
Mr. Marrero holds a Bachelor of Arts degree in business administration from Inter American University in Hato Rey, Puerto Rico. He is also a graduate of the Federal Executive Institute in Charlottesville, Va., and the Center for Creative Leadership in Greensboro, N.C.
Mr. Marrero is married and has four children.


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|Mortgage Servicing Transfer Bulletin: The revised CFPB guidelines should be a key chapter in your transfer playbook
This article provides an overview of the Consumer Financial Protection Bureau's Bulletin 2014-01, including insight into key compliance considerations and overall thoughts for implementing an effective transfer program. Read more.
|Servicing advances: Show me the money
Why do servicing fees and advances deserve attention? Read our latest paper to learn why. Read more.
|CFPB's Integrated Mortgage Disclosures under RESPA/TILA – "Know Before You Owe"
Understanding key elements of the new rules and preparing for potential operational and compliance impacts, particularly the new definition of an "application," and its impact to the origination process, including interactions with applicants, borrowers, and business channels. Read more.
|CFPB's Proposed Rule Defining Larger Participants in a Market for Auto Finance
Who could be a "larger participant" and how should they prepare for CFPB supervision? Exploring how the proposed rule could impact auto lenders and preparing for potential operational and compliance impacts. Read more.
|CFPB Mortgage Disclosure Rules - An analysis of the Consumer Financial Protection Bureau's "Know Before You Owe" disclosure forms
This paper provides an analysis of the new mortgage disclosure forms as well as the keys to successfully implementing these changes by the required August 2015 deadline. Click here to read more.
|Do you know what the hidden challenges are that may impact a successful servicing portfolio transfer?
Click here to read more.
|CFPB Mortgage Servicing Standards: Post-implementation considerations: enhancing internal reporting to manage non-compliance risks
This edition focuses on how servicers can more effectively manage the ongoing risk of non-compliance in operational functions by improving the quality of internal reporting.
|CFPB Mortgage Servicing Standards: New CFPB mortgage rules - Focusing on the customer
This edition discusses possible impacts on the customer experience as a result of the new rules and strategies that companies may wish to consider to mitigate them.
|PwC's Experience Radar 2013: Learning from the mortgage Industry
This paper provides quantitative insights on customer experiences in the lending process that can help financial institutions better understand their customers to help unlock competitive advantage in an era of tight margins, new regulations and an evolving consumer.
|Objects in the mirror are closer than they appear: Auto finance industry keeps its sights on impending regulation
Although most auto dealers are exempt from the Consumer Financial Protection Bureau's (CFPB's) supervisory authority, CFPB's oversight of automobile finance transactions is expanding. In the upcoming months, auto lenders and dealers are likely to see increased regulatory scrutiny around consumer protection matters, and this could mean significant changes for the industry.
|Consumer Finance Group Accounting and Finance Considerations – Winter 2014
Consumer Finance Group Accounting and Finance Considerations provides key perspective on the complex accounting, finance and reporting issues that are impacting the consumer finance industry.
|CFPB Mortgage Servicing Standards: A closer look into the last step of readiness preparation for compliance
This edition of the CFPB Mortgage Servicing Standards provides an overview of what a readiness review entails and highlights the importance of performing this validation step.
|The calm before the storm: Act now to mitigate risk from upcoming mortgage modification resets
This paper discusses the upcoming mortgage servicing modification resets and what actions mortgage services companies should consider to prevent costly defaults and remain competitive in the marketplace.
|New OCC guidance calls for comprehensive third-party risk management and oversight
This brief newsletter highlights the key changes reflected in Bulletin 2013-29, and the recommended actions for our clients to take now.
|CFPB Mortgage Servicing Standards: Understanding periodic statement rules
In this paper, we explore the components of the CFPB's periodic statement rules that are still under discussion across the industry.
|Evolution of vendor risk management practices in consumer finance companies
Consumer finance companies should consider re-examining their internal processes and align vendor assessment and monitoring activities to the risk of the type of service being provided to derive greater business value from their investments.
|CFPB Mortgage Servicing Standards: Understanding early intervention and continuity of contact
What constitutes a "good faith effort" to contact the borrower? In this paper, we highlight the early intervention and continuity of contract sessions of the CFPB mortgage servicing standards regulation.
|ATR, QM & QRM: Document it or lose it
In this paper, we discuss the six questions that companies should ask themselves to help them consider the issues involved in making the necessary changes to comply with the ATR and QM standards.
|CFPB Mortgage Servicing Standards: Understanding loss mitigation procedures
Standards related to loss mitigation procedures, including dual tracking, are an area of much industry discussion for mortgage servicing companies.
|CFPB Mortgage Servicing Standards: Understanding their impact - error notice and information request rules
The new standards for error notices and information requests are expected to have a substantial impact on all mortgage servicers. Implementing the changes will require careful review and possibly significant updates to processes, systems, roles and responsibilities to achieve the desired level of certainty as to compliance.
|CFPB Mortgage Servicing Standards: Understanding their impact
This newsletter series is focused on helping you deepen your understanding of the requirements of the new Consumer Finance Protection Bureau (CFPB) rules.
|Strategic Cost Management for Mortgage Lenders and Consumer Finance
This paper discusses four critical elements that should be considered if an organization is to deliver sustainable cost reduction through transforming its expense base.
|Student lending in 2013 and beyond
Private student lenders face many challenges. What will it take to be successful in the re-emerging private student lending market place?
|Strategy and transformation: Managing strategic change within consumer finance companies
PwC has identified four areas where consumer finance organizations can improve how they develop and execute strategy to create lasting competitive advantage and consistent improvement in business performance.
|Automotive Leasing Insight
This paper discusses the factors that can be attributed to the growing popularity of leasing, the advantages of having a well-designed customer experience lease strategy and how this can help support long-term customer retention and loyalty and serve as a springboard to capture additional market share as well as help to offset potential regulatory risk issues.
|CFPB lets lenders decide the fate of the auto dealer rate mark ups but outlines expectations
The Consumer Finance Protection Bureau (CFPB) released a bulletin that outlines their intent to hold indirect auto lenders responsible for compliance with fair lending requirements of the Equal Credit Opportunity Act regarding dealer interest rate mark ups, participation and reserves.
|CFPB Mortgage Servicing Standards: Analysis for RESPA (Reg. X) and TILA (Reg, Z) final rules
In this joint Point of View from our Consumer Finance & Financial Services Regulatory Group, we provides our insights into key provisions of the new servicing rules both under RESPA and under TILA, including the relationships between the final rules and the rules as proposed. We also provide our perspectives on the operational impacts servicers face integrating compliance with each new provision into their servicing operations.
|Answering the call: How call recording and speech analytics can enhance regulatory compliance and redefine the customer experience
In this paper, we discuss how financial institutions can use call recording and speech analytics to deliver long-term value in the following three key areas: Strengthening regulatory compliance; improving the customer experience across all channels; and enhancing fraud detection and prevention.
|CFPB "Ability-to-Repay" standard
On January 10, 2013, the CFPB issued its much anticipated final "Ability-to-Repay" rule. Lenders have 12 months to implement the new requirements, which become effective January 10, 2014. To provide some insights as to the Ability-to-Repay rule, we summarize the key provisions of the rule, identify some possible impacts of those provisions; and describe some specific steps lenders can take to successfully adapt to the new rule.
|Private Student Lending: The challenges and opportunities in the Consumer Financial Protection Bureau's annual report
This point-of-view describes the 5 "forward-leaning" actions PSL industry participants should consider as part of their plan for future success.
|Inside the Valuation Nexus: Strengthening your valuation program to help limit losses, reduce costs, and deliver a positive customer experience
This viewpoint helps clients to understand the best practices around managing your property valuation process.
|Superstorm Sandy: Consumer finance industry perspectives
This viewpoint helps clients to understand the best practices in response to and potential ramifications of the damage caused by Superstorm Sandy.
|California homeowner bill of rights: Are you ready?
This viewpoint helps clients to understand the details and potential ramifications of the California Homeowner's Bill of Rights.
|A familiar foe: Combating a new wave of mortgage fraud
Mortgage fraud reports rose 31% in 2011, costing the industry $3 billion as fraudsters have changed their target from loan origination to default servicing, loan modifications, short sales, and property liquidations. This point-of-view describes the 10 steps each mortgage company should consider taking to combat mortgage fraud.
|Successful integrations: Mergers and integrations in consumer finance companies
This point-of-view will help companies to assess their integration plans and can help to provide leading practices and a framework to help prevent common pitfalls.
|CFPB national servicing standards proposal
The Consumer Financial Protection Bureau (CFPB) released proposed national servicing standards for comment for the Truth in Lending Act (TILA) and the Real Estate Settlement Procedures Act (RESPA).
|Private Student Loans: An analysis of the Consumer Financial Protection Bureau and Department of Education report on the Private Student Lending Industry
This report highlights shortcomings in the practices of the Private Student Lending (PSL) industry leading up to the 2008 financial crisis and changes since then. The authors also suggest that PSL lenders focus on better underwriting, applying loss mitigation options, and on increasing transparency.
|Student lending default management: A guide to improved portfolio performance
Forecasts predict the federal student loan default rate, reported by the Department of Education, will reach double digits in 2012, with no relief in sight. By understanding the causes of why student lending default continues to rise, default managers can work to insulate themselves against this trend.
|The "Plan to Help Responsible Homeowners and Heal the Housing Market": A look at what it means to mortgage servicers
This document reviews President Obama's Plan to Help Responsible Homeowners and Heal the Housing Market released in February 2012 and assesses the components of the plan and its potential impact on mortgage servicers.
|Enhancing origination revenue through price optimization modeling
This paper discusses the core concepts and potential profit enhancement opportunities with creating a dynamic loan pricing strategy based on customer demand by using quantitative Pricing Optimization. Several market factors, such as the current interest rate environment, population demographics, and competition, should be considered when modeling mortgage demand and the impact on price changes to consumer's price elasticity in order to realize potential improvements.
|Prepare now to manage REO (real estate-owned) inventory growth
Now is the time to start strengthening your REO (real estate-owned) infrastructure to control costs and optimize returns. The predicted surge of REO properties will likely place financial institutions at risk for increased losses. These challenges not only can - but must - be overcome as the costs of maintaining and liquidating REOs will only increase as they continue to saturate the market.
|Enhancing the customer experience in consumer lending
By enhancing the customer experience, lenders can open the door for increased customer loyalty and retention, more opportunities for cross-selling, and new customers - all of which can contribute to greater profitability and a better brand in the marketplace.


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My names's Sylvain, I'm french and I write for a friend who doesn't speak english at all, and who has a problem with his pantera.
A few month ago, there were a huge crack at drawing. Now, the upper limb is splitted / cracked on almost 3 inches.
What can I do??? Normally, Martin bows have a lifetime warranty, and this is a known problem on Panteras.... the archery where my friend bought is bow say the french 1 year warranty is over, so they don't want to help. I've written one time at Martin archery, and two times to Joel Clark... never had any reply too.
I've asked Joel what to do for the warranty, or even how much they would charge for a new set of limbs, in the case they wouldn't take them under warranty. At least I could understand he doesn't reply for a free set of limbs, but for paid ones...
So, can I considerate my friend's bow is still under warranty? If even yes, can I expect a new set of limbs for free (I can pay for shipping costs of course).
if even no, where could I buy a new set of limbs, and what would be the price inclueding shipping costs to France?
Any help would be very apreciated, as the problem lasts for several months now...


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Taylor Phinney finished third, Marco Pinotti was fourth and Dominik Nerz was eighth for the BMC Racing Team in Saturday's final-stage, individual time trial at the Tour de Pologne.
Nerz: Top 10 Was Unexpected
Bradley Wiggins (Sky Procycling) won the 37-kilometer race against the clock, 56 seconds ahead of Fabian Cancellara (RadioShack Leopard), 1:14 ahead of Phinney and 1:20 ahead of Pinotti, the reigning Italian time trial champion. Phinney said being the eighth rider of 109 starters did not affect his performance. "At the end of the day, I was quite surprised that I got third considering I didn't feel very strong," he said. "I kind of blew up on the last highway coming back into Krakow. For the lack of preparation I've been able to put in for the time trial due to complications from saddles sores at the Giro, I'm pretty happy with being third. Being beaten by Cancellara and Wiggins ... that's not so bad." Pinotti, who said his goal was a top five finish, had the best time at the intermediate check – two seconds faster than Wiggins. "The first part was probably the most technical and the hardest, with lots of rolling parts," he said. "But I lost more than a minute to Wiggins in the last 16 or 17 km, which was where the course was a highway." Nerz's result gave him the BMC Racing Team's best finish overall – 13th, 3:12 behind race winner Pieter Weening (Orica-GreenEDGE) – while teammate Ivan Santaromita was 14th, 3:25 back. Nerz said he wasn't sure how he would recover after a tough stage Friday. "When I woke up this morning, I was feeling pretty good," he said. "I was sure I could do a pretty good time trial, but this was unexpected. For me, it's a great feeling. I had a rest period after the Tour of Austria and one-and-a-half weeks of training before coming this race. So to go like this is awesome."


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a guy who can be nice at times but yet he can also be a complete dick head. he isnt good with relationships. but can be a good friend. dont get with them because they will hurt you emotionally.
Jerrime called her a STALKER and she barely ever talks to him anymore.
Por donthateonmyjesusswag 17 de febrero de 2011
Someone who likes stalkers and girls who growl at them ...
i growled at jerrime
Por brokenhearts123456789 18 de febrero de 2011


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Kavli Congrats
May 30, 2014|
A nonet of scientists, including researchers in nano-optics and in the neuroscience of memory, earned the 2014 Kavli prizes.
May 30, 2014|
A nonet of scientists, including researchers in nano-optics and in the neuroscience of memory, earned the 2014 Kavli prizes.
May 29, 2014|
Early humans may have made an evolutionary tradeoff, giving up muscular strength to fuel bigger brains.
May 24, 2014|
Gerald Edelman, who broke new ground in two distinct fields of life science, has passed away at age 84.
May 22, 2014|
A government lab finds a novel virus present in cell lines used for therapeutic production that were thought to be virus-free.
May 22, 2014|
Eliminating a pain receptor makes mice live longer and keeps their metabolisms young.
May 21, 2014|
Married couples have more similar DNA than random pairs of people, a study shows.
May 19, 2014|
Researchers image the electrical impulses of the C. elegans and zebrafish nervous systems.
May 16, 2014|
Antidepressant could prevent Alzheimer's plaques; 12,000-year-old human skeleton sequenced; disentangling the mystery of octopus arms; taking a look at the ocular microbiome
May 15, 2014|
Researchers uncover a self-recognition mechanism that prevents octopus limbs from becoming entangled, despite their powerful suction.
May 14, 2014|
Researchers reveal a group of neurons in the mouse brain that mediate a male's instincts to either eat or nurture pups.


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Katy Perry Gossip
Katy Perry gossip, latest news, photos, and video.
Dear Gossips,
My friend Lorella sent me a text today with a video link and only this to explain:
F-ck! F-ck! F-ck!
So I thought I'd pass it along to you. The video is below. Enjoy it.
Kate Hudson's annual Halloween party happened last night, Sons Of Anarchy themed. This was her costume:
But as much as I normally object to her, I prefer Katy Perry's costume: a giant Cheeto. Or a sunburned dick. You'd have to crank the air conditioning but the best part is no one knows what's going on underneath. That's the highest level of comfort.
HAPPY HALLOWEEN! And have a great weekend!
Yours in gossip,
Tuck me in (short film 2014) from Ignacio F. Rodó on Vimeo.
Katy Perry drafts Sam Smith
Splash, Kevin Mazur/ Jeff Kravitz /MTV1415
How did Taylor Swift, the friend collector, lose Sam Smith to Katy Perry in the famous friend draft? Sam Smith is totally this season's top draft pick and he'd go great alongside Taylor's previous draft picks: Lorde, Lena Dunham, several models, and Ed Sheeran. I can't figure out how she missed this one because Taylor's recruitment team is the best in the business. Full Story
Too much Ariana Grande
Michael Buckner/ MARK RALSTON/ Jason Merritt/ Getty
Did you feel like you were being force-fed Ariana Grande last night? Too much Ariana Grande. With her one side of the face and her one hairstyle. ONE hairstyle. And always with those high boots too. Is this child allowed to wear shoes that don't go over her knee? I don't understand. Full Story
Fetch: Robert Pattinson & Katy Perry
Robert Pattinson is in New York on the morning show circuit to promote The Rover. I quite like his sock choice. Out of Cannes, everyone was saying that his performance in the film is the best of his career. He has a supporting role in both The Rover and Maps To The Stars and seems to be settling nicely into a non-lead position. Full Story
Katy Perry & Diplo
Wenn, Joe Scarnici/ Frazer Harrison/ Angela Weiss/ Getty
Are dating. Apparently they were all about each other at Coachella. I feel like this is a pattern. She breaks up. She hooks up. At Coachella. In 2012 there was a musician. F-ck, what was his name. Hang on, I have to Google. Got it. Robert Ackroyd. Florence + The Machine. You remember? Click here Full Story
Katy Perry stands down …and then doesn't
Larry Busacca /Getty Images
God that made me happy yesterday when Miley Cyrus Twitter-slapped Katy Perry for shaming her tongue by jamming it in her Twitter-face that John Mayer is a pig and Russell Brand's tongue probably travelled the world. Miley followed up with another tweet later on: Full Story
Larry Busacca /Getty Images
Not exactly the most creative title but come ON. It's the only reaction to... Girl Sh-t Is The Best Sh-t! The best! Yesterday I posted about how Katy Perry shamed Miley Cyrus's tongue on Australian television. Click here Full Story
Katy shames Miley's tongue
Katy Perry is in Australia promoting her album. She was asked on Sunrise, a talk show there, about that time she kissed Miley Cyrus at Miley's show a couple of weeks ago. It happened during Adore You. Miley throws the camera over to the audience and everyone is supposed to react accordingly which basically means they all try to get pregnant. Full Story
Relationships and your phone
AKM-GSI/ Splash
Here's where I sound like an old lady. Because Jacek and I are on each other's phones all the time. If he's driving, I'm reading his texts and emails to him. And he's the one who programs my phone and sets it up and I'm shoving it in his face all the time whenever it's pissing me off. Full Story
Katy & John: done (for now) and amicable
E! News was the first to report that Katy Perry and John Mayer have broken up again. Click here for that post yesterday. Looks like it's true because several other outlets have now corroborated, including US Weekly Full Story
Katy & John: over again?
Fame, Charley Gallay/ Getty
John Mayer was not with Katy Perry last week for the BRIT Awards and Milan Fashion Week. She was booed there because she was apparently late arriving to one of the shows, although some say she was told to be there at the time she was there and shouldn't be blamed for the miscommunication. Then she went to a Miley Cyrus show and they kissed. Full Story
Not the place for bad hair
It was ELLE Style Awards in London last night. Katy Perry wore Vivienne Westwood. It's a good dress. But that hair. I can't with this f-cking hair. There are some people who could make this work. Lizzy Caplan? Sure. Lena Dunham? OK, I think I could work with that. Sienna Miller I could see. Full Story
Katy Perry & John Mayer engaged?
AKM-GSI / Splash News, FameFlynet
Katy Perry stepped out with John Mayer on Valentine's Day wearing a ring on that finger and the internet said they're engaged. E! News and US Weekly then immediately reported that they're not engaged…but that it could be happening soon. Full Story
Katy Perry's Beatles cape
Kevin Winter/ Larry Busacca/ Frazer Harrison/ Getty
You know what? I like this outfit way more than her Grammys dress – the one that looked like it was fashioned from an Ikea duvet cover, click here for a refresher. This is Katy Perry at the Grammys Beatles tribute last night. It looks like she performed. Full Story