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A giant version of Leonardo da Vinci's famous sketch 'Vitruvian Man' depicted melting from the sea ice into the Arctic Ocean has been constructed just 800 kilometres from the North Pole, as a call for urgent action on climate change.
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A Greenpeace activist holds a banner, in front of Adidas' flagship store in a shopping district of Beijing, urging the sports apparel giant to consider detoxifying their products. While Adidas forecasts profits of over 900 million Euros during...
Greenpeace activists on paragliders protest against the first shipment of Arctic oil in the harbour of Rotterdam. The Russian oil tanker Mikhail Ulyanov is transporting oil from the Gazprom drilling platform Prirazlomnaya to Rotterdam harbour.
If we carry on with chemically intensive agriculture model, it is quite possible that we may affect our pollinating insects to such a degree that we reach a global "pollination crisis". This is the imaginary future we do not want. This future...
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- Antique Jewelry
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Platinum Diamond Cluster Ring
A scintillating F color .67 carat old European diamond makes the perfect start to an elegant cluster ring. All of platinum, the main diamond has a clarity of SI2, and only for clear inclusions not visible to the naked eye. Its surround of old single cut diamonds adds to its sheer brilliance and icy white wow factor. Total weight for the accent diamonds is .24 carats, and is .91 carats for the ring. White on white with its feminine curves and almost floral connotations adds grace to any finger. An heirloom to be cherished, it comes with an EGL USA certificate for the main diamond.
Date: Circa mid 20th century; center diamond is earlier 20th century.
Measurements: 7/16 of an inch (1.1 cm) in length north and south and rises 3/16 of an inch (0.4 cm) in height off the finger. Weight of 4.0 grams (2.6 dwt).
Ring Size: US 6-1/4 (UK M; Euro or Int. Circum. 52.5 mm; Int. Dia. 16.7 mm; Japan 12) and easily can be sized to fit most. Ring sizing information.
Condition: Excellent.
Note 1: This ring comes with an EGL USA certificate for the main diamond which has been removed from the mount for accurate weight and grading.
Note 2: All other diamonds have not been removed from their mounts to preserve the integrity of the setting. These diamond weights have been approximated by measurement and formula and may vary from actual weights.
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Coldwell Banker Premier Real Estate- View Local Website
2003 S Center Street Marshalltown, IA - View on map
Phone: (641) 754-5678
Fax: (641) 752-6725
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Contact Coldwell Banker Premier Real Estate
Office: Coldwell Banker Premier Real Estate Address: 2003 S Center Street, Marshalltown, IA 50158 Office Phone: (641) 754-5678 Fax: (641) 752-6725 Email: firstname.lastname@example.com
About Coldwell Banker Premier Real EstateColdwell Banker Premier Real Estate is the leading home seller in the Marshalltown area. Our staff of trained professionals are experienced and can assist with both residential & commercial needs. We are a full service company and operate with the highest degree of integrity & honesty.
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Strange Mortgage Market Frustrates Banks
That's how bankers view the residential mortgage market, where new rules and a growing wave of "strategic defaults" frustrate their efforts to lend.
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- Written by Melanie Scarborough
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- Comments: DISQUS_COMMENTS
Homeownership, the cornerstone of the American Dream, has become the American Nightmare for many: mortgage-holders watching their home values plummet, applicants facing tough qualifying standards, and bankers who would like to lend but are struggling under regulatory constraint.
The National Association of Realtors reported that contracts for pending sales on existing homes plunged 30% in May. While that likely was caused by the expiration of a tax credit for first-time buyers, the fact that the sales rate dropped more than twice what economists predicted suggests other factors are in play.
Certainly, high unemployment and a shaky economy reduce the number of mortgage applicants. But even areas with the most stable housing markets report problems making loans.
Money available, but only for a few
Oklahoma has the lowest percentage of homeowners with negative equity—only 5.9%, compared to the national average of 23.7%—according to a recent survey by California-based CoreLogic. Yet Brad Swickey, president and CEO of Valliance Bank in Oklahoma City, says the state's steady mortgage market doesn't immunize them from problems because banks are subject to the national underwriting standards of Fannie Mae and Freddie Mac.
"What drives housing values is the availability of financing," Swickey says, and financing is increasingly hard to obtain. "Everyone hears the mortgage rates quoted as being at historic lows, but those rates are offered only to individuals with a middle credit score of about 740." Consequently, the moderate-income family with a score around 650 often is priced out of the market, frustrating them as well as their bankers. "I'm not saying mortgage money isn't available; it is," says Swickey. "But it's not freely available for people with good, solid jobs and good, solid credit scores who are finding it more difficult to qualify than they would have two years ago."
Exacerbating the problem is examiners' demands that banks have more capital on hand. For a $200 million-asset bank such as Valliance, that means reducing the number of assets on its balance sheet. I would love to make loans," says Swickey, "but examiners want more capital. So I have to buy government or agency securities at 2-3% when I'd rather make loans at 6-7%."
Big hit from new rule
In another small community, Placerville, Calif., El Dorado Savings Bank FSB faces a similar situation. The bank has very few delinquent loans and foreclosures because, as a portfolio lender, it underwrites conservatively, explains Thomas Meuser, chairman and CEO of the $1.7 billion-asset bank.
The local mortgage market saw an uptick earlier this year as people applied for mortgages before the tax credit expired, but activity has slowed significantly since then and more trouble may be coming. "There's a real concern that banks have held back on foreclosures, and those will be coming online the second half of this year," says Meuser. "So we will have a difficult year at the end of this year and into 2011."
But like Swickey, he sees new regulation as the long-term danger. "The new rule [contained in the Dodd-Frank regulatory reform act] that we have to verify that people can make payment is going to be a real hit to the housing market because we make a lot of loans—and have for our 50-year history—[on the basis] that a person is a good risk," says Meuser. "On paper, maybe they don't look that good, don't have good qualifying ratios, but we make the loan anyway."
Such applicants usually are long-standing customers with good credit scores who may be self-employed or do the sort of work where a consistent income is difficult to verify. "We know they can pay," he says, "but we aren't going to take a chance on them going forward because of potential liability." The new rules also will force El Dorado Savings to make fewer of the CRA loans that earned it an outstanding rating in the past.
Lawmakers think they're protecting the borrower, but they're actually making it more difficult for people to get loans, observes Meuser. "It's a huge deal that hasn't gotten much attention."
Customers say, "I'm outta here"
One huge deal that is drawing attention is the problem of strategic default: the growing number of mortgage-holders choosing not to make payments even though they have the means to do so. Researchers at the University of Chicago and Northwestern University estimate that such calculated decisions now account for about one-third of all home-mortgage defaults. The phenomenon is particularly prevalent in areas where home values have dropped 25% or more.
"The real star of the show is the person with a $1 million house now worth $600,000 who decides it isn't worth it, that there are other things he can do with his money," says William Uffelman, president and CEO of the Nevada Bankers Association. In that hard-hit state, 70% of mortgages are upside down.
Fannie Mae recently announced that it will deny government-backed mortgages for seven years to borrowers deemed to be strategic defaulters, but that is unlikely to deter underwater mortgage-holders who can save thousands of dollars each month by walking away from their loans. "If you're a person of means who has other places to go or a second home and have no credit needs, so what if your personal credit takes a hit? You have a place to live at a lower price," Uffelman says. "Lots of them will look at you and say, 'It's just a business decision.'"
Indeed, few of the strategic defaulters seem to think they're doing anything wrong. Many underwater mortgage-holders say it is irrational to pay for a crisis they didn't cause.
In Arizona, the heat is on
Strategic defaults now account for 20-35% of defaults in its state, the Arizona Bankers Association estimates. "We've got cases of higher-end homes where the bank can see [customers] have money sitting in the bank that would satisfy the loan," says Tanya Wheeless, president and CEO of AZBA.
Yet Arizona bankers are greatly disadvantaged by the state's unique anti-deficiency statute. "Banks can't go after homeowners on their primary residence, a second home, or any investment property," she explains. "Our feeling is that has contributed considerably to the high rate of default—particularly in a state like ours where values are down on an average of 25-40%, depending on location."
In one case, a borrower from the Midwest bought a $1 million vacation home in Paradise Valley, Arizona's wealthiest ZIP code, but decided he no longer wanted the property after its value declined. To get the benefit of the anti-deficiency statute even though he had never moved into the house, "he flew in and camped out in the home for about a week and claimed it as a residence," Wheeless says, before returning the keys to the small community bank that held the mortgage.
In addition to lobbying strenuously for a change in law, the Arizona Bankers Association urges its members to have long memories. "When credit turns around, it's going to be important that bankers remember who those folks were who walked away," she says.
Yet as lenders become more suspicious, chiselers get more canny. Wheeless recently heard someone at a social gathering blithely talk about their plan to default strategically and says if the lender asked any questions, they would say they were buying the second home for a parent.
"You go from being shocked to appalled to angry," says Wheeless. "Foreclosures of all types affect everyone else. I keep waiting for the masses to revolt and say, 'You're hurting me and my land value.' "
The good news is that Arizona's residential values seem to have stabilized and are even climbing in some areas. As that trend continues, Wheeless expects strategic defaults to decline. "We'll still have foreclosures driven by lack of income," she says. "But strategic default is different because there's a choice."
No shade in the Sunshine State
Banks in Florida can file deficiency judgments and many are doing so with a fair degree of success, reports Miller Couse, president of First Bank of Clewiston. "You might not get your money back right away, but in the next ten years you'll be able to get some of that money back," he says.
The process is easier for community banks that made direct loans. Government lenders commonly take 18 months to two years to begin foreclosure proceedings—a factor strategic defaulters apparently take into account in deciding to stop making payments.
Experts fear that as that knowledge spreads, strategic defaults will accelerate, putting more vacant houses on a market already overburdened by inventory.
Couse admits to being baffled by such behavior: "It's been quite shocking to us to watch this happen." Because First Bank didn't make any stated-income or zero-down loans, strategic defaulters are walking away from at least 20% equity.
Like other bankers, Couse must cope not only with fickle customers, but with an uncertain mortgage market. "Every month we think we've touched bottom and then things slip a little more," he says. "We're certainly not having the devaluation we did have—but as these foreclosures keep coming on the market, home prices go down. It's just such a crazy time."
That seems to be the consensus. Nationwide, bankers expect their markets to rebound, but see new hurdles on the road to recovery.
From rust to riches
In contrast to the national trend, home foreclosures in Pittsburgh slowed last year by nearly 8%, with Forbes naming it the best city in the country to buy a home. So what is The Steel City doing right?
Part of it is luck. "If you attribute the housing crisis to rapid appreciation that couldn't be sustained, we didn't experience that in Pittsburgh," says Mike Henry, vice-president of residential lending for Dollar Bank.
The city is not immune from what is happening in the rest of the country, he says, but it has not experienced the underwater mortgages that led to catastrophe in other areas. "Affordable housing brings companies into the area, and that helps sustain stability. We've seen decent growth."
Another safeguard from the housing crisis is that Pittsburgh is not overdeveloped. Additionally, Pittsburgh is not a high-transient city; most residents buy homes with the intent to stay in them.
Finally, Henry says, Pittsburgh is not experiencing the high unemployment that plagues other parts of the country—and a stable employment rate "helps sustain a nice, healthy housing market."
ABA expands relationship with Wells
Community Bank Mortgage LLC, a mortgage cooperative that operates as a subsidiary of the ABA, renewed its relationship in June with Wells Fargo Funding Inc. to act as a secondary market investor for loans originated by the 55 community bank owners of CBM. Then, in July, CBM announced that it had selected Wells Fargo Funding as its newest mortgage solutions provider for secondary market sales of residential mortgages. Under this expanded arrangement, Wells will offer all eligible ABA member banks a full range of products and services.
For more information about the program, go to www.aba.com/mortgagellc or contact Deborah Whiteside, president of CBM, at 1-800-BANKERS, ext. 5580.
The electronic version of this article available at: http://www.nxtbook.com/nxtbooks/sb/ababj0810/index.php?startid=34
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You will find everyday low prices on a 2013 Chrysler, Jeep, RAM or Dodge in Mt Pleasant when you shop at Elliott. Do you need more information on the 2013 Dodge Dart? Click the link to find all the specs, photos and trim levels you are looking for. Our highly trained sales team is ready to go over all the details about your favorite Chrysler, Jeep, RAM or Dodge models. We maintain a comprehensive inventory of the latest Chrysler, Jeep, RAM and Dodge models including the 200, 300, Journey, Nitro, Caliber, Grand Caravan, Grand Cherokee, Patriot, RAM, Wrangler and many others. Get on the road in your new Chrysler, Jeep, RAM or Dodge in Mt Pleasant today by making a trip to Elliott Chrysler Jeep Dodge. Stop by our dealership located at 2045 Burton Road, or give us a call.
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At Elliott Chrysler Jeep Dodge we want you to be a customer for life which is why we are one-hundred percent committed to your satisfaction. Visit our greater Mt Pleasant Chrysler, Jeep, RAM and Dodge dealership today and experience the qualities that define Elliott Chrysler Jeep Dodge. We always go above and beyond expectations to earn your business and are always available to assist you. Take a trip to Elliott Chrysler Jeep Dodge at 2045 Burton Road and get behind the wheel of your dream new or used car!
* MSRP is the Manufacturer's Suggested Retail Price (MSRP) of the vehicle. It does not include any taxes, fees or other charges. Pricing and availability may vary based on a variety of factors, including options, dealer, specials, fees, and financing qualifications. Consult your dealer for actual price and complete details. Vehicles shown may have optional equipment at additional cost.
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The Myth of War Prosperity
Recorded at the Mises Circle in Houston: "Great Economic Myths," Saturday 26 January 2008; Sponsored by Jeremy S. Davis. [48:30]
The Myth of War Prosperity Robert Higgs The Mises Circle: Great Economic Myths
From: Great Economic Myths , Monday, February 11, 2008 by Robert Higgs
This stream is available from http://direct.mises.org:88/2_HMC_Higgs.
Available for download as Mp3 .


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Growth Powered by Risdall Rockets Cub Scout Recruitment
Risdall helped refresh Northern Star Council Boy Scouts' brand and public image in the first year of its statewide Rocket Into Scouting recruitment event, culminating in a 43 percent enrollment increase from 2013 totals. In 2014, Northern Star Council strategically transformed Rocket Into Scouting from a multiple-date event into a single-time recruitment effort, where kindergarten through fifth grade boys who signed up for Cub Scouts and their families received a free model rocket to build and launch at the first pack meeting. Through the efforts of multiple Risdall services, Rocket Into Scouting enrolled 4,143 new Cub Scouts at over 700Read More
The Network Connect Explores the Future of Angel Investing
If you're looking for the ideal area to invest, Minnesota is the place to be. With 248 unique businesses started between 2010 and 2013, investors have put a total of $247.7 million toward startups in Minnesota in the last four years. One factor encouraging investors both in and out of state is the Minnesota Angel Tax Credit program, which provides a 25 percent refundable tax credit for investors who put their money toward qualified small emerging businesses. The program has more than doubled since it started in 2010 with $7 million in credits. Four years later, the program increased funding and dispersedRead More
Risdall Creates Award-Winning Website for Colorado Symphony
Risdall shined a spotlight on the Colorado Symphony's online presence with a new website, www.coloradosymphony.org. The site won Best Entertainment Website in the 2014 WebAwards, scoring 68 out of 70 points based on seven distinct criteria. "We wanted a dynamic website technology with a very rich set of features and capabilities that was also easy to use," said Douglas Yost, director of information services at the Colorado Symphony. The Colorado Symphony wanted to clean up its site with a slick navigation menu, an easy-to-scan blog module and an eye-catching event calendar with pop-up descriptions. The orchestra wanted a website thatRead More
Par Aide Presents Risdall with a Unique Gift
Risdall's Wii golf course is now complete with two brand new golf ball washers from our valued partner, Par Aide. To honor our ongoing relationship, Par Aide presented the agency with two shiny, 4-foot-tall golf ball washers, but not just any ball washers. Par Aide took the time to match the Master Ensemble ball washer perfectly with Risdall's signature purple, and converted the Deluxe Ensemble ball washer into a functioning lamp. At Risdall, we couldn't help but remember the unforgettable scene from "A Christmas Story," when old man Parker receives his prized leg lamp. In Mr. Parker's words, "It's indescribablyRead More
Risdall's Clients Honored in International Competition for Outstanding Websites
The unique relationships between Risdall and our clients inspire us to create superior website designs that meet all of our clients' needs… and win awards too. This year, 19 of those websites went on to win awards in the international WebAwards competition. On top of that, the Web Marketing Association recognized six of those victorious websites as best in their categories, meaning they had the highest score compared with all other submissions. Congratulations to all the winners! We pride ourselves on providing our clients with the latest technology and a team of industry-leading experts who love what they do, and whenRead More
Use a Vivid Vision to Look at your Business through a Crystal Ball
The Vistage Executive Summit joined Minnesota's brightest leaders with some of the world's most talented speakers to share their knowledge about innovation in business. One speaker, Cameron Herold, explained his concept of creating a vivid vision – an activity to align your team with the future of your company. The CEO knows exactly where he wants his company to end up, but if his vision isn't shared with employees, he'll be viewed as the guy dancing alone in the video above. This is where a vivid vision comes in. A vivid vision is a detailed description of the future of your company.Read More
Are Huge Images Right For a B2B Website?
Many readers of online magazines have noticed a shift lately – sites like Medium, Fast Company, and The Great Discontent are all shifting to huge images that often force users to scroll before reading content.
The writers at Digiday speculate that the trend is due to an evolving understanding of how visitors come to websites:
"Large photos are often used by publishers as a way of providing texture to a homepage and making a brand impression," Digiday writer Ricardo Bilton wrote. "But with most traffic now coming to article pages, it means article pages have to do more of the heavy lifting of homepages."
Risdall Adds 12 New Accounts in Q2
Growth continues at Risdall in 2014, with the agency adding 12 new accounts in the second quarter.
A majority of these clients were in need of an agency with digital and traditional capabilities for creative design and online marketing campaigns.
How to Simplify Your Content Curation
What is it?
Many brands start their web marketing strategies with content curation.
Content curation is the process of organizing and displaying information about a particular topic. Although you can curate your own content, most online curation involves content generated by other people.
Content curation is not a new, or uniquely digital strategy. Museums, anthologies and galleries are forms of curation.
In the digital world content curation can consist of sharing links to other people's content on social media, Buzzfeed-style lists, and roundup posts, among other things.
SEO Trends in 2014
Recent changes in search engines and other emerging online trends have led to a number of new developments in SEO.
While most of these concepts aren't ground-breaking or brand new, they're more important than ever in establishing and maintaining a concrete presence online. If you haven't optimized your site for mobile, integrated your social media efforts with SEO, or shifted your content strategy, jump on board now to keep up with the trends and your online visibility intact.
Read More
Risdall Signs 20 New Accounts in Q1 2014
It was a strong start to 2014 at Risdall, with the agency signing on 20 new accounts in the first quarter.
Many of these clients are focused on business-to-consumer marketing, and were looking for an agency that could deliver fully-integrated strategic campaigns.
Read More
What is Native Advertising?
Native advertising is a catchall term for targeted paid marketing tactics.
The oldest form of native advertising is an advertorial, like Oglivy's "Guinness Guide to Oysters."
Native Advertising is a nebulous concept:
- There is no real consensus on what the term means.
- Most definitions are so broad as to encompass every form of paid digital advertising except for basic banner ads.
Advice For Graduating Designers and Copywriters
I recently had the privilege of participating in a Minnesota Interactive Marketing Association networking event.
This MIMA speed networking event consisted of about 30 students and aspiring marketers who got 2-3 minutes each to speak with 30 marketing professionals, including myself.
A third of the would-be marketers seemed terrified, but all of them braved through it. It was a fun event for everyone (I hope).
I found myself giving the same six pieces of advice over and over:
1. Learn how to position yourself.
Most of the seniors unnecessarily limited their job searches because they had a very narrow idea of what they wanted to do.
- Are you a copywriter with social media experience? Look for content strategy and community manager jobs.
- Are you a business major with a communications minor? Check the project management and public relations listings.
The easiest thing to do is look at all of the open positions at an agency or marketing department and ask yourself whether you can do a job with minimal training.
For example, a writer isn't going to learn software development overnight, but he or she can probably figure out basic social media and project management skills if necessary.
2. Get your portfolio together.
The first step to getting a marketing job is learning how to effectively market yourself.
The number of graduating seniors without updated portfolios almost drove me to hysterics. Read More
Why Marketers Love Buzzwords
I love LinkedIn Pulse articles.
These articles consistently offer new perspectives on changes in the business world, particularly marketing.
One of today's LinkedIn articles was about visual storytelling in marketing. The article quoted a marketer who used the word "infobesity."
I cringed.
My reaction to the word "infobesity" made me wonder why marketers use such strange and pretentious language.
Why do we consistently violate Dr. Struck's prohibition against fancy words?
Why Marketers Love Buzzwords
Buzzwords accomplish several important things in the marketing world:
1. Revitalization of old ideas.
Why say "infobesity" when "information overload" will do? Everyone knows what information overload means, but infobesity revitalizes the concept for a modern audience.
Read More
Our Agency Is Not A Superfund Site
Why is Apple Maps directing ad agency clients to a toxic waste dump?
Apple's troubled map product can't find the Loch Ness Monster and apparently it has a hard time locating suburban advertising agencies as well.
When Risdall clients attempt to use their iPhones to find our agency, they end up in a Walking Dead-worthy location.
Apple is Directing Our Clients to the Former Twin Cities Army Ammunition Plant.
Apparently this massive Superfund site has a street network, and one of these streets is called Main Street. (Coincidentally this polluted area almost became the site of the new Vikings Stadium until the team was able to squeeze more funding from Minneapolis.)
The Munitions Plant is in Arden Hills, a suburb next to Risdall's city of New Brighton.
Apple Maps takes our clients to this toxic waste site when they ask Siri for navigation directions to "Risdall Advertising Agency" or even when they type our correct street address (city included) into their iPhones.
Read More
Is Structured Markup Worth It?
Google and Bing support an increasing amount of structured data markup. These are snippets of code that tell a search engine exactly what type of content is on a page, and (in theory) make your website appear more relevant.
The value of structured markup is debated in SEO circles. The issue is that structured markup makes it easy for a search engine to scrape the content from your website and immediately serve it up on the results page.
Read More
Screen To Prevent Selected As An Official Webby Honoree
Risdall's work for Allina Health was recently selected as an official honoree for the 18th Annual Webby Awards.
The Webby health category recognition was for Allina Health's "Screen to Prevent" website. This program encourages screening for colorectal cancer, the 2nd-leading cancer killer in the country.
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Lukaszewski and Risdall win big at Minnesota PRSA Classics Awards
Last night's 36th annual Minnesota Public Relations Society of America (PRSA) Classics Awards shone a light on the best PR campaigns and careers in the state. We were honored to be among these companies, and leaving with awards in hand.
Clickbait: The Case Of The Swimming Pigs
My Facebook stream is littered with old pictures of swimming feral pigs, and there's a good reason why.
The post about the pigs (who live in the Bahamas) is the latest example of a clickbait post gone viral.
Clickbait: The Easy Way to Get Views
You only have to spend a few minutes on Facebook or any mid-market news website to see gobs of clickbait – those articles with sensational headlines and funny images optimized for generating maximum page views.
Clickbait articles are generally low quality content that is designed to be consumed quickly.
It is "fluff" content like top 10 lists, GIFs, and cute animal pictures. Clickbait is the type of content shared by that annoying girl from high school whose Facebook request you regret accepting. (You know, the same girl who is constantly trolling for Candy Crush lives.)
Read More
Preserving, Protecting and Defending Your Company's Security and Reputation Seminar
Few organizations relish disaster planning, but doing so is essential should a crisis occur.
Explore management's three most critical issues: risk control, crisis control and reputation protection. Join three experts to explore critical management issues where they will provide key insights, ideas and wisdom you can use for protecting, preserving and promoting your company's reputation before, during and after a crisis or disaster.
Were You Hit By A Google Algorithm Change? How To Tell.
Matt Cutts, the head of the webspam team at Google, recently posted a video on how to tell whether your website was hit by a Google algorithm change or if it is simply losing out to better content.
Cutts first drew the distinction between manual actions and algorithm-based rank penalties. Cutts noted that manual actions from Google's web spam team are the easiest to identify because these will result in notifications in Webmaster Tools.
The Other View: SMS Marketing Statistics
For the past few years, text message marketing has been promoted as a highly effective way to reach your target audience.
Risdall even toted the virtues of text marketing during our recent mobile seminar:
Here are some common SMS marketing stats:
- 98 percent of text messages are read and responded to within 90 seconds (compared to 2.5 days for email.)
- Coupons received via SMS are more likely to be redeemed and shared than mail coupons.
- Users are less likely to opt out of an SMS campaign than an email campaign.
Remembering Richard Weiner (1927- 2014)
We recently lost a giant in the advertising and PR world with the death of Richard Weiner.
The 86-year-old Brooklyn advertising executive was the founder of Richard Weiner, Inc. which helped launch the iconic Cabbage Patch Kids toys.
He recently gave a charming TEDxTalk on the virtues of Gossip.
Web Development, User Interaction Expert Joins Interactive Team
Understanding how humans interact with technology is critical in building websites that are easy to use. With this extensive background in cognitive systems, Colin Steinmann expands the capabilities of Risdall's interactive team.
Colin recently joined Risdall as a front-end developer, and specializes in WordPress theme development using HTML5, PHP, JavaScript and CSS3 technologies. He pairs this knowledge with experience in information architecture and interactive design to create intuitive websites.
Risdall Wraps 2013 on a High Note
Risdall enjoyed its final and best quarter of 2013 with the addition of 22 new and expanded client relationships.
Many of the new client accounts include brand and strategy work to uncover marketplace differentiation, while leveraging the agency's integrated services of digital marketing, advertising, website development and public relations. Read More
Lukaszewski Named Top 100 Thought Leader for Trusted, Ethical Crisis Counseling
Crisis communications counselor James E. Lukaszewski, ABC, APR, Fellow PRSA, was just named a Top 100 Thought Leader for his focus on constructive, ethical problem solving and managing the victim dimension of crises.
Lukaszewski, a Twin Cities-based national crisis practice leader was named to the top 100 list for the second year in a row by Trust Across America – Trust Around the World.
The organization annually conducts a survey to determine the list of global influencers who positively contribute to building trust for organizations, business and government, and in society. Read More
New Doodle 4 Google Contest Announced
Google announced a new Doodle 4 Google contest this morning.
The contest will allow one lucky student to win a $30,000 college scholarship and a $50,000 technology grant for his or her school.
Google first introduced stylized versions of its logo in 1998. Google Doodles were used primarily for major holidays until 2010 when the birthdays of notable people and anniversaries were introduced.
Read More
Leveraging Mobile Technology to Grow your Business Seminar
Mobile technology basics and strategies to generate leads and increase sales.
We live in a multi-screen world. Consumers transition routinely between computers, smartphones and tablets. Is your online presence ready to keep up? If your website isn't mobile device friendly, you're losing potential customers. Join our digital marketing team's seminar to learn what you can do to improve and amp up your brand's website presence.
Growth: Powered by Risdall Seminar Series
Date: Thursday, January 30, 2014
Location: 550 Main Str., New Brighton, 55112
8:00-8:30 – Registration
8:30-12:00 – Seminar, followed by a Q&A and panel discussion
Matt Cutts: Guest Blogging is "Okay,"…well, sort of.
The head of Google's Webspam team sent many digital marketers into a full panic last month with his Youtube video on guest blogging.
"There's definitely a lot of abuse and growing spam in the guest blogging space," Matt Cutts said. "Regardless of the spam technique people are using from month-to-month, we are always willing to respond and take appropriate action."
Many digital marketers and SEO strategists interpreted this to mean that "Guest Blogging is Dead," despite Matt Cutts clearly calling out some egregious spam methods such as mass guest blogging solicitations or spinning articles for syndication purposes.
Cutts fueled the hysteria with on his personal blog, which declared that guest blogging is no longer a relevant linkbuilding strategy: "So stick a fork in it: guest blogging is done; it's just gotten too spammy."
He later added an addendum to the blog post which clarified that he was only talking about guest blogging for SEO purposes.
John Risdall on Duck Dynasty: "Follow the Money."
News outlets across the country have been blanketed with coverage of the "Duck Dynasty" scandal during the last week.
The scandal started when Duck Dynasty star Phil Robertson upset members of the Gay and Lesbian Alliance Against Defamation (GLAAD) by making homophobic remarks in the January Issue of GQ.
Faced with mounting backlash from GLAAD and others, A&E suspended its TV star and issued a press release condemning Robertson's statements.
Conservative commentators rushed to Robertson's defense (with varying degrees of success) and reporters accused A&E of hypocrisy.
Read More
Risdall Named 2014 Community Impact Award Finalist
Legacy of giving earns agency Long-term Achievement Award nod
Risdall has been around for almost 42 years, and giving to the community has been a mainstay of our company since day one. The entire agency was ecstatic to learn that Minnesota Business chose us as one of the top three finalists in its 2014 Community Impact Awards.
The awards recognize Minnesota companies and leaders that positively impact the community and have a superior history of giving back. Risdall was honored in the Long-term Achievement category for 10 or more years of giving to nonprofits and other worthy causes.
Read More
Business Blogging 101: Benefits to Blogging and Tips to Growing a Following
Wait… your company doesn't have a blog? Oh boy!
Simply put, if you don't have a company blog you are missing out on a huge opportunity.
The Benefits of Business Blogging
A blog gives your company a platform to publish valuable content and gives people a reason to return to your site. Besides being a great referral source for your website, a company blog is also an excellent way to push out the fresh, timely content that is preferred by search engines.
Read More
Instagram announces direct messaging service
This morning Instagram announced that it will allow its users to send private pictures and videos.
With Instagram Direct, users can send pictures and videos to up to 15 people at once. Previously, users could only post media to their main profiles.
"From how you capture photos and videos to the way you start conversations through likes and comments, we built Instagram Direct to feel natural to the Instagram experience you already know," the company announced on its official blog. "After sending, you'll be able to find out who's seen your photo or video, see who's liked it and watch your recipients commenting in real time as the conversation unfolds."
Read More
Anti-Patent Troll Law Lauded by Tech Giants
Google, Microsoft and many other large tech companies are applauding the passage of the Innovation Act, a new law designed to tackle patent trolls.
The Innovation Act passed the House of Representatives 325 to 91 last week.
The law will change the patent system to discourage the tactics used by so-called "patent trolls" – entities who enforce patent rights against accused infringers to collect licensing fees.
Patent trolls often do not produce any real products or services. Many patent trolls are entities that purchase low-quality patents solely for the purpose filing (typically frivolous) lawsuits.
Kent Walker, Google's Senior Vice President and General Counsel, recently wrote a blog post urging lawmaker to pass the Innovation Act. Walker said that patent troll litigation stifles innovation and run-up unnecessary legal costs for many companies, big and small.
Determine Your Value Proposition before Worrying About SEO
Early last year, Google's Maile Ohye posted a fabulous video on five common SEO mistakes.
The first mistake that Maile mentions is working on search engine optimization before your website has a unique value proposition. This is one mistake that I see all the time, especially for startups.
Branding and Positioning
The first step in an effective SEO strategy is actually a marketing fundamental: proper branding and positioning.
A solid branding and positioning strategy is the hallmark of any successful marketing campaign.
Unless you are lucky enough to have a desirable, one-of-a-kind product, (like a cure for cancer) you probably have competitors. Differentiating your company from your competition is key to driving people to your website and selling your product or service.
Proper positioning is relevant to search engine optimization because users need a reason to click on your website rather than your competitors.
Eight Risdall Clients Earn Top Mobile WebAwards Honors
Agency Named Outstanding Mobile Interactive Developer
Our clients have been feeling the award love lately.
In September, 37 Risdall clients were recognized as winners in the WebAward competition. Today, eight are 2013 Mobile WebAwards winners.
Hosted by the Web Marketing Association, the Mobile WebAwards recognize the best in mobile design and development.
Judges are experts in the field, and scrutinize each site against seven criteria: creativity, impact, design, content, interactivity, ease of use and use of the medium.
Read More
Lessons from the Donut Fryer
John Risdall, our founder and guiding light, often ends agency-wide Monday morning meetings with the admonition, "Let's go make the donuts," referring to the immortal line of Fred the Baker in the long-running, award-winning campaign created by Ally & Gargano for Dunkin' Donuts in the 1980s.
Duly inspired, we Risdallians depart the conference room for our workspaces where "making the donuts" could mean solving anything in the widest imaginable array of problems for clients.
On any given day, specialists within Risdall could be working on high-level stuff like strategies for marketing, branding, messaging and consumer engagement.
Others could be working on tactical initiatives related to those strategies, like designing graphical user interfaces and creating content for digital media, concepting ad campaigns, designing brochures and more.
Meanwhile, still other specialists – our developers on the digital side and production artists on the print side – busily perform the detailed artistic and technical work of making those ideas beautiful, usable and available for their intended audiences.
Why Modern Farmer Wins at Social Media
As a loft-dwelling yuppie, my most meaningful agriculture experiences occur at the Lowertown Farmer's Market.
Despite my lack of interest in farming, Modern Farmer is one of my favorite publications. The art direction is spot-on, their content is impeccable, and Modern Farmer's social strategy is a case study in best practices.
Modern Farmer's twitter feed actually made my day this morning.
It started with a tweet about an article on a miniature animal farm.
Animals + small scale = cute.
We get it.
Read More
Google Announces Censorship Summit and Security Services
This week Google is hosting a summit in New York called "Conflict in a Connected World."
The summit is a partnership with the Council on Foreign Relations and the Gen Next Foundation and has been characterized as a "think/do" tank to fix the problem of internet censorship.
"The summit brings together "hacktivists," security experts, entrepreneurs, dissidents and others to explore the changing nature of conflict and how online tools and can both harm and protect," Google Ideas Director Jared Cohen wrote on the official Google Blog.
"We're also assessing what might be done to better protect people confronting online censorship," Cohen added.
"Attacks against the users, the servers, and the infrastructure of the internet are increasing," said Vint Cerf, one of the founders of the internet. "The reality is that the next generation of internet users is going to experience more turbulence and we need to figure out how they can be protected." Read More
Risdall Marks 20th Anniversary as a Digital Leader
This fall, Risdall celebrates 20 years in the digital space continuing its leadership as one of the first interactive agencies in Minnesota.
Ted Risdall, founder of the interactive division, envisioned Risdall's possibilities as a digital agency and established the company as a frontrunner online.
He recognized early on that e-commerce had a profitable future for businesses, proving the web as an effective new vehicle for advertising.
Since launching the interactive division in 1993 with early work on Gopher.net and the Mosaic browser, Risdall has been a leader in developing new technologies and trends.
The Star Tribune recently ran a feature on Risdall's lengthy experience in the digital space.


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Cable vs. Satellite
Compare the differences and get the right service for you.Compare Now
Are bundles bogus?
Nope, they can save youSee How
a bundle of cash.
See the provider map.
You want cable, you need cable, but who is your cable provider?View Now
It's easy to get cable. Call 1-866-921-5828
Why Cable TV in Ebony, VA
If you are looking for an affordable TV service that is packed with entertainment and easy to use, then choose cable TV in Ebony, VA. Cable offers programming for every taste; it's an affordable way to get the programming you want. With hundreds of HD channels, movies, premium networks and On Demand entertainment, cable TV offers hours of entertainment. And cable TV is available in bundles with high-speed Internet . Cable Internet is faster than DSL; cable bundles can save you up to $400 every year. Plus cable is:
Cable TV offersmore HD choices
Snow may mess up satellite, but itdoesn't faze cable
Cable can beinstalled virtually anywhere
TV Trends in Ebony, VA
If you thirst for cable TV knowledge, we can help. CableTV.com has cold-filtered cable data on tap and ready for consumption. Try this (it's on the house): almost everyone, or 97% of Americans, watches television as it is aired and roughly 33% of those TV viewers have at least four televisions in their homes. Upwards of 50% of people also stream video content online. Among those with cable TV, almost three-fourths bundle their service with high-speed Internet. Cable's ubiquitous national presence also helps explain how DVRs account for about 7% of America's total TV viewing.
All those stats mean that if you don't own at least one TV for every room in your house, chances are your neighbor to the left or right of you does. It also means that almost everyone you meet today will watch a TV tonight, and 57% of them will use either their DVR or their Internet to do so.
Ebony Cable Internet
Cable providers have so much more to offer than TV. That is why so many Ebony residents bundle cable services. Cable Internet is faster than most DSL services, providing downstream speeds 25%-100% faster than the national average. People who choose cable bundles also save money, roughly $400 every year they bundle TV and Internet. Both are very good explanations why cable Internet subscribers represent 32% of households, and how broadband penetration in Virginia grew to 70% by 2010. Enter your zip code to find out more about cable Internet, bundles and providers in Ebony.
It's easy to get cable, Call 1-866-921-5828
Which Actors Are From Ebony, VA
If Ebony, VA is anything like us, it loves Wentworth Miller, who you watched on "Prison Break" locally on FOX. Miller began in 1998 with a guest appearance on "Buffy the Vampire Slayer". In 2002, he was cast as David Scott in the TV mini-series, "Dinotopia." From 2002 - 2005, Miller worked in TV, movies, and music videos. Stardom came in 2005 in the lead role as Michael Scofield in the FOX series, "Prison Break," where he plans an elaborate break-in in order to help his brother, Lincoln Burrows, escape.
Find Cable TV in Ebony
Hopefully the above info shows you that we know television like Penny knows the Cheesecake Factory. That being said, our knowledge includes finding you the best cable option in your area. Local governments license out the opportunity to provide cable service in a region, and these regions typically only allow one provider, so cable companies generally don't overlap in the same area. Call us today to get connected with your Ebony cable provider.


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Main Content
Push it to the limit with these team-spirited wristbands by adidas featuring an embroidered Kings logo. They're perfect for representing your Kings starting defense in the gym or on the court without worrying about sweat getting in your way!
- 80% Cotton/12% Elasthane/8% Nylon
- Embroidered adidas logo
- Imported
- Officially licensed NBA product
- One size fits most
- Quality embroidery
- Terry cloth shell
Kings Customers also liked:
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Manufacturer direct items are shipped directly from the manufacturer. These items are not available for international or expedited shipping.
Customized items can be personalized with options such as your name, your favorite number, and/or designs. Some options may be limited by league rules.


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Main Content
Turn school days into pool days or slow days into snow days with this inflatable San Francisco 49ers Super Sled. For use in the pool or on the powder, this durable Super Sled is a great way to showcase your 49ers pride and have fun doing it. You cheer for San Francisco in any weather and this multifunctional sled is the perfect complement to your year-round pride.
- Functions as water raft and snow sled
- Imported
- Measures 42" in length
- Officially licensed NFL product
- Team logo and colors
49ers Customers also liked:
Special event items are produced by manufacturers only after the outcome of a game or event. These are advanced sale items and will ship immediately after they are received in our warehouse.
Manufacturer direct items are shipped directly from the manufacturer. These items are not available for international or expedited shipping.
Customized items can be personalized with options such as your name, your favorite number, and/or designs. Some options may be limited by league rules.


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Patheon is a global provider of development and commercial manufacturing services for solid and sterile prescription drugs, offering a wide variety of services and products. SEE AND Read More »
Patheon is an equal opportunity employer and is committed to the principle of diversity, and is particularly interested in receiving applications from a broad spectrum of people.
No Jobs Found For your search. Please change your criteria and try again or click here to View All jobs
US Headquarters
4721 Emperor Blvd
Suite 200
Durham, NC 27703-8580
+1 866-Patheon
+1 919 226 3200
Whitby - Canada


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Families Achieving Independence in Montana
October 2001 Table 9
Day Care Kids, Days and Expenditures by Category by County
This contains current month number of kids, days, and expenditures for day care due to Jobs, Tribal Jobs, FAIM training, Transitional and At Risk, by county.
Download Instructions
- Select the file you wish to download.
- Click the Save File ... button on the "Unknown File Type" window at the top of the screen.
- On the "Save As" window, select the drive and directory to which you want to copy the file.
- Click the OK button.
If you use Microsoft® Excel 4.0 or later, please download table9.xls (16k)
If you use Lotus® 1-2-3 Release 4 or later, please download table9.wk4 (10k)
If you have any questions, please contact Carl McMahon at firstname.lastname@example.com


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Tracy civic leaders joined local Muslims in discussing tolerance and unity in a public forum at Tracy Branch Library. The event marked the one-year anniversary of the 9/11 attacks.
Crushing of grapes has started at La Bonne Vie Cellars on Lehman Road. The grapes were from grower Jeff Brown's vineyard.
Christine Palmer is hosting meetings of the R Oakland Raiders Booster Club, which now has 100 members.
A San Joaquin County Superior Court judge has ruled that the city of Tracy can issue building permits to builders of 1,265 residential units that already have vested development rights.
Enrollment in the Tracy Unified School District has reached a record high of 15,492 students, kindergartners through seniors in high school.
25 years ago — 1987
Two shipments of military cots, totaling 1,288 units, have been shipped from Defense Depot Tracy to firefighters throughout the western U.S.
Tracy residents celebrated Mexican Independence Day with a day-in-the-park program at Lincoln Park. A "Noche de Carnaval" dance in the Tracy Ballroom preceded activities in the park.
Harvesting of canning tomatoes in the Tracy area continues to build momentum. The H.J. Heinz Co. plant is operating around the clock.
An additional $439,831 in lottery funds has plugged a hole in the Tracy Joint Union High School budget.
The Tracy Bulldog football team opened its 1987 season with a 35-21 win over the Pittsburg Pirates in Pirate Stadium. Bulldog quarterback Steve Thompson tossed three touchdown passes.
50 years ago — 1962
A $200,000 bond issue placed on a special-election ballot by the Jefferson School District failed to receive the required two-thirds' majority by a single vote. The bonds were to provide financing for four new classrooms and a new multipurpose room.
Marsha Letsinger, 10, escaped serious injury, but the horse she was riding was killed in a collision with an auto on Grant Line Road.
The Tracy Planning Commission has recommended that the city develop the Wainwright Village low-cost housing area as a site for a civic center.
Mexican Independence Day is being celebrated with an afternoon program and an evening dance, sponsored by the Community Service Organization.
Gilbert Vierra is the new president of the St. Bernard's Dads Club.
Helen Selna and Jim Noah were married Sept. 8 in an evening ceremony at St. Bernard's Catholic Church. The bride is employed at J.C. Penney's, and the groom at Southern Pacific.
75 years ago — 1937
Shell Oil Co. has drilled a test well in Lone Tree Canyon in search of a possible oil deposit.
A fire gutted the East Seventh Street residence of Kate Beckwith.
Freshmen entering Tracy High School were initiated by sophomores with a series of competitive games.
Work has started on a project to double the size of the Tracy Motel on East 11th Street.
100 years ago — 1912
Myrtle Frerichs is reigning as queen over the second Tracy Carnival. The three-day event, which includes a Wild West show, is centered at Sixth Street and Central Avenue.
James Ansbro, a native of Banta and Republican candidate for county supervisor, suffered two broken legs and a broken arm when his horse-drawn buggy was hit by a Southern Pacific train at Banta.
— Tracy Press archives


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Basset Hound Puppies for Sale
Sparkles / Basset Hound
• Female • $800
Basset Boy "Junior" Full AKC reg. EURO
• Male • $600
Basset Boy "Eddie" Full AKC reg.~Euro
Champ - Male Basset Hound
• Male • $599
View More Puppies for Sale
Breed Group: Hound
Weight: 40-60 lbs
Height: 14 inches
Color(s): any recognized hound color
This is a naturally well-behaved breed making him the perfect household pet. The Basset Hound is very gentle, sweet, and loving. This breed is prone to howling and barking so he makes a good alarm dog, but is much too gentle to be a guard dog.
The long ears of this rather lazy breed are sensitive, which makes him best for a life with older and more respectable children. The Basset Hound has the tendency to be stubborn, but never timid. Should never display signs of aggression, as this is a naturally fun loving and gentle dog.
Affectionate, lazy, devoted, quiet, and peaceful, the Basset Hound does exceptionally well with a family. This breed loves children, and generally does well with other animals. They can be taught tricks, but tend to be stubborn so patience is key.
Combing and brushing with a firm bristle brush should keep shedding to a minimum as this breed sheds constantly. Toenails should be trimmed regularly as this breed is lazy which can neglect the nails. Cleaning under the folds of skin works best, and the ears should be cleaned regularly.
The coat of the Basset Hound should always be short, never long. The coat is dense, hard, and smooth making it weather resistant. Hair should also always be straight and firm in texture.
This can be a very sensitive breed so gentle and patient training is a must. Consistency works best with this short and stubborn breed. The Basset Hound has the tendency to go off sniffing completely disregarding his master so fun techniques work best.
Basset Hounds have the tendency to overeat therefore should be given plenty of exercise to keep him healthy. Normally a lazy breed, this dog should be taken on regulated walks and should be allowed a free roam in a safe, fenced in area.
If you are looking for Basset Hound puppies for sale from reputable Basset Hound breeders or to adopt Basset Hounds from a Basset Hound 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 Basset Hound puppy above. Search our dog breeds section to find Basset Hound puppies that make great pets.
Are you knowledgeable about a certain breed? Share what you know!
We provide the only safe marketplace for Basset Hound dog breeders to list and rehome their purebred Basset Hound puppies. Basset Hound dog breeders listing puppies on Next Day Pets are required to verify their identity for your protection. Most dog breeders with Basset Hounds 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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Jugs Bulldog Vision Enhanced Polyball Softball by the Dozen
Be sure to select a color, size and quantity below
Item # 1271195
|Eligible for Free Shipping on Orders $49 or More! (see promotion details)
|Members of The League get 5% back when you spend $100! (see promotion details)
Product Details
The JUGS Polyball softball is designed for use with any pitching machine for safer close-range batting practice. It's the same size as a regulation softball and can be used indoors or outdoors.
- Indoor/outdoor
- Same size as a regulation softball (12")
- Uniform holes for maximum accuracy


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HOME Denver Broncos Gear Denver Broncos Kids Denver Broncos Kids Preschool & Toddler (79 items) Product ID: 876216
Main Content
Your little one may not be up to speed on all the NFL action yet, but there's no doubt that your excitement for the next Broncos game day is contagious. One day you'll be able to explain what all the fuss is about. Until then, prepare your miniature Denver supporter for a future of football fanaticism with the adorable Without Doubt long sleeve tee. Featuring a screen printed team name and logo across the front, this comfy T-shirt truly lives up to your family's extreme Broncos enthusiasm!
- 100% Pre-shrunk cotton
- Imported
- Lightweight rib-knit T-shirt
- Officially licensed NFL product
- Screen print graphics
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text: Since the founding by the sponsor Ueli Schumacher, the UCI Continental team is one of the strongest teams on the national level. With a broad, international squad, the team has a large number of talented riders who also display outstanding performances internationally on a regular basis. Proof that Schumacher has developed a keen sense for talent can be found in the successful careers of Roman Kreuziger (Tour de Suisse winner) and Stybar Zdenek (cyclo-cross world champion) who celebrated their first successes as juniors wearing the colors of the Fricktal sporting group. The following year, the focus returned to the Europe Tour, which is meant to offer the riders the opportunity to make their mark in an international environment and increase their chances of advancing to a professional level. The interregional cooperation with BMC-Sogecoma-Hottinger Cycling Team allows junior riders to develop from students into elite cyclists within a familiar environment. Like BMC Racing Team, Team Atlas-Personal also depends on the combination of promachine SLC01 and racemaster SLX01.


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The best place to be for your ESPN Game Plan experience is at Pop's Lounge, from 10 a.m. to 7 p.m. on Saturdays! There will be buy one get one free appetizers, $1 Drafts, and 99 cent Margaritas!
Open 10 a.m. Every Day | Until 3 a.m. Sunday through Thursday | 5 a.m. Friday & Saturday
2705 Central Ave. | Hot Springs, AR | 1-800-OAKLAWN | oaklawn.com
Gambling Problem? Oaklawn Jockey Club encourages responsible wagering. If gambling is a problem for you or someone you care about, help is available 24 hours a day. Call toll-free 1-800-522-4700.


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Technical Papers and Presentations
Improved Temperature Standards Using COMSOL Multiphysics
J.V. Pearce
National Physical Laboratory, Teddington, Middlesex
This paper describes the use of COMSOL Multiphysics to evaluate the propagation of the liquid-solid interface in fixed point crucibles, and the resulting temperature distribution throughout the system as the phase transition progresses. This enables a robust identification of the features of the melting curve corresponding to physical phenomena such as the liquidus point, and also enhances the ...
Microstructural Modelling using COMSOL Multiphysics
Z. Huang, and P. Conway
Wolfson School of Mechanical and Manufacturing Engineering
Loughborough University
This paper presents models of microstructures using COMSOL Multiphysics. In particular, solder joints and bumps are investigated and diffusion of species from the substrate to the interface.
Self Heating Effects and Equilibrium Rise Times within Micro Silicon Thermistors Operating Within a Gas Liquid Interface
R.Osborne, and K. Dawkins
University of Birmingham
This paper considers the thermal behaviour of an array of micro-silicon thermistors operating within a liquid/gas interface for fluid level sensing applications. COMSOL Multiphysics has been used to model and simulate the transient multiphysics model and calculate the overall thermal flux, the steady-state condition and time taken to obtain steady thermal balance.
The Significance of Coupling in 3D Modelling of Acoustic Wave Propagation in a Cavity Containing Air and Porous Absorbent
L. Kelly, Y.W. Lam, and M. Avis
Research Institute for the Built and Human Environment, University of Salford
This study examines acoustic wave propagation in air and porous media in three dimensions using numerical models; in particular it looks at the significance of the coupling effect between the air and porous layer. The numerical model consist of a layer of air and a layer of porous absorbent which are modelled as equivalent fluid and are characterised by complex characteristic impedance based ...


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ACE Fit Share
Add these shoulder exercises into your regular workout routine and increase your upper body strength, while strengthening and stabilizing your shoulders. From the stability ball dumbbell press to the medicine ball push-up, these exercises are a great way to strengthen your deltoids, rotator cuff and trapezius muscles. Browse through our large collection of detailed tutorials and step-by-step demonstrations from today's leaders in the health fitness industry. For full workout routines featuring these shoulder exercises, visit our Workouts section.
Fit Life Articles
Partner exercises are a great way to add a new challenge to your routine and keep your workouts fresh. This unique jiu jitsu-inspired partner warm-up is a fun way to prepare your body for your next workout, as well as improve your strength, balance and coordination.
If you are looking to increase your strength, endurance, build and preserve muscle all while burning fat so that your ideal figure shines through, then do HIIT weight-training workouts. By incorporating the movement patterns and energy systems featured in these three...
Finding a high-quality trainer who is a good fit for your needs and personality can be tough, so ACE Certified Pro Jonathan Ross created a list of questions that will help you separate the good from the bad and identify the right trainer for you.
ACE Pro Homepage
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4851 Paramount Drive, San Diego, California 92123 1 (888)-825-3636


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Opener registers a hat-trick of hundreds
Hat-tricks, huge chases and hitting the sign
Australia's bowling attack and their special bond
Pat Howard on why cricket is a good option
Live streaming has ended for the 2013/14 season. Login to your Cricket Australia account to manage your password.
Never miss a ball with our free online radio.
Australia take on Pakistan for one T20I, three ODIs and two Test matches in the UAE.
The Commonwealth Bank Southern Stars will take on Pakistan in four T20s and four ODIs to begin the international season in Australia.
Australia take on South Africa this summer in the KFC T20 INTL Series with matches in Adelaide, Melbourne and Sydney.
Mitchell Johnson holds the record for the most wickets (37) in an Ashes series by a left-arm quick.
Brad Haddin has scored the most runs by an Australian wicketkeeper in a Test series.
Meg Lanning holds the record for the fastest 50 and century by an Australian female, scoring 50 runs off 23 balls and 100 off 45.
There's no better way to spend a day than with new friends learning how to play cricket. Join up today!
You don't have to bat or bowl to be in the middle of the action, become an umpire and join in on the fun!
Be in to win with all of Cricket Australia's current competitions
A website made for any and all young cricket fans. Create your avatar, play games and more!
Come join the Australian fans as they show their support away from home.
Left Hand bat
Left Arm Orthodox
Xavier Doherty has been one of the most consistent State players in the past decade, which has seen him play a stack of international matches for Australia as well.
Bowling his left-arm orthodox, Doherty is not known for a great deal of flight and turn. However, he has always been an economical bowler, especially in limited overs cricket.
In the 2007/08 season, Doherty snared 4/18 to help guide the Tasmania Tigers to the ODD title. It capped off an excellent year for the spinner, who finished the tournament as the equal leading wicket taker.
Continued success at state level saw Doherty earn his first cap for Australia in an ODI against Sri Lanka. Despite losing the match, the Tasmanian impressed many by taking 4/46 on debut.
Later that year, Doherty played his first two Test matches in the Ashes defeat to England. He managed to take three wickets in a series where wickets were hard to come by for all Australian bowlers.
Due to a lack of wickets in First Class cricket, Doherty was not selected again until the 2013 tour of India. He picked up the last three wickets of India's only innings, as the hosts won by an innings and 135 runs.
Doherty managed just one wicket in Mohali as the Indians once again coasted to victory.
The Tasmanian tweaker is a valued member of Australia's limited overs sides. Doherty has played 45 ODI's for the country, picking up 47 wickets along the way. His tight bowling has been advantageous during the middle overs, where opposition batsmen have struggled to put him away.
Although he didn't take too many wickets in the 2013 season, he did manage to save his best for the Hobart faithful with three Sri Lankans scalps.
Doherty has also played a handful of matches at T20 level for Australia and the Hobart Hurricanes.
His form in last year's KFC T20 Big Bash League was mixed, but he certainly unleashed on the hapless Sydney Thunder. Doherty continued the trend of Hurricanes' players snaring hat-tricks when he tore through the Thunder's middle-order to spark a match winning collapse.
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Tigers out to fix four-day batting
29 Oct 14
Doherty in line for Dubai recall
09 Oct 14
Doherty shapes as ODI X-factor
Doherty called up to UAE
07 Oct 14
Axed Doherty vows to fight back
06 Aug 14
07 Feb 14
After receiving some punishment earlier in the over, Xavier Doherty shoots through Mitch Marsh and into the stumps.
19 Jan 14
Michael Clarke has posted an early candidate for catch of the year, snaring Stokes one-handed off Doherty's bowling.
12 Jan 14
After grassing a catch earlier in the over, Doherty holds on to a Ballance skied ball.
CricketAus Brad Haddin confident he'll bat in Australia's first innings: http://t.co/ciksEDNohv #PAKvAUS http://t.co/04ph0pso4W
CricketAus Recap another dominant day of Test cricket for Pakistan, including video, here: http://t.co/6RXh67SLBb #PAKvAUS http://t.co/3aBlddy0RV
CricketAus RT @ProfDeano: Just spoke to Brad Haddin.. Shoulder is swollen and angry.. He thought it did dislocate & it Popped back in.. He will be sor…
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Sacred Heart Catholic Church now offers Latin Mass on Sundays
It's become common for churches of different denominations to add contemporary worship services, which often feature modern music and a more relaxed style of worship.
Meanwhile, in Salisbury, one church has responded to requests from parishioners by adding an option for worship that is older, not newer.
Since April 7, Sacred Heart Catholic Church has been offering the Extraordinary Form of the Roman Rite, also called the "Latin Mass," as one option for Sunday worship.
Worshipers at the 4 p.m. service now pray along with Gregorian chants sung by a newly-formed Latin choir, as Father Jason Barone and servers offer prayers that have changed very little since the 16th century.
"We now live in a digital and technological age," said Barone, Sacred Heart's parochial vicar. "A two-year-old phone is almost useless. Everything's new. Everything changes. Nothing stays the same."
"What I love about Latin Mass for this age is precisely its timelessness," Barone said. "God does not change. Human nature does not change. Timeless worship, I believe, anchors us God in these very turbulent times."
Sacred Heart is Rowan County's only Catholic parish, with 1,001 families currently on the membership roll, according to the church office.
A total of four Masses are offered on Sunday – two in English and one in Spanish, alongside the Extraordinary Form.
The Sunday liturgy in English is also offered on Saturday evenings.
Barone, 29, was ordained as a priest last year after completing his studies at Mount St. Mary's Seminary in Emmitsburg, Maryland.
He's one of a new generation of Roman Catholic priests who say they want to revive interest in the church's traditional style of worship.
Return to tradition
It all started in 1962, when the Roman Catholic Church opened the Second Vatican Council – a meeting of the world's Catholic bishops to discuss the relationship between the world's oldest Christian church and the modern world.
The deliberations at "Vatican II" lasted three years. Over the course of the next decade, Roman Catholic worship changed dramatically.
In the U.S., both Latin and Gregorian chant – still the Roman Catholic Church's official form of worship music – disappeared from most churches.
The order of worship changed. Many of the traditional prayers were shortened. There was less kneeling and bowing during Mass. Laypeople were allowed to serve regularly as scripture readers and cantors.
Since 2000, however, a growing number of Catholics have lobbied for the traditional Latin Mass.
In 2007, Pope Benedict XVI issued a papal document clarifying that the previous rite had never been abolished, and could still be celebrated by permission.
Since then, the number of parishes offering the Extraordinary Form of the Roman Rite has grown.
In North Carolina, Sacred Heart is one of 10 churches currently offering the older form of Mass, according to the website North Carolina Mass in the Extraordinary Form, which collects information about those services.
Father John Putnam, pastor of Sacred Heart, said he believes the interest is because of the spirituality of the traditional Mass.
"There's a precision and an otherworldliness that draws people into contemplation of the mysteries we celebrate," Putnam said.
Quiet worship
Barone, a lifelong Catholic, said he attended his first Latin Mass in 2004 while in college.
"At first, I didn't really like it," Barone said. "It felt so different from my experience of Mass hitherto."
Still, Barone said, he kept attending.
His perspective changed one day, Barone said, during the silence as the priest said the prayers of consecration.
"The priest wasn't trying to teach me or entertain me, or even trying to simply keep my interest," Barone said.
"He was offering a sacrifice to Almighty God, who was truly present in the Church, and doing so on behalf of me," Barone said.
In the traditional Mass, the priest prays facing the altar in the same direction as the congregation.
In that way, the prayers and offerings are directed toward Jesus Christ, with the priest leading the people in worship.
Where many of the prayers in the contemporary Mass are said aloud, a silence fills the sanctuary, broken only by the sound of the choir or the quiet responses of the congregation.
"This is how virtually all the saints worshiped God," Barone said. "And, as a priest, my personality is completely detached. I assume the personality of Christ. I say Mass in the person of Christ."
Praying in English, Barone said, brings with it a temptation "to highlight my personality, but the people should come for God, not the priest's personality."
"Everything about it is beautiful and reverent," said Inara Howard, who attends Sacred Heart's Latin Mass regularly with her husband and children.
The Howards previously attended Wednesday evening traditional services which started before the Sunday Latin Mass was offered.
"The music, the prayers, the vestments of the priest. Even his every gesture has meaning," Howard said.
For her, Howard said, the quiet of the traditional Latin Mass is more contemplative than the pop-style music and constant activity of a contemporary worship service.
One of the criticisms priests heard when Sacred Heart announced the change to a Latin Mass for one service was the lack of ability to follow along and participate.
For Barone, the Latin Mass calls for "a different type of participation," he said.
Not only do the people stand or kneel to pray, he said, but they are called to be reflective and contemplative.
That's something he said many Christians are already used to.
"Anyone who watched Mel Gibson's 'The Passion of the Christ' had no external participation, but sat and watched a movie in a foreign language," Barone said.
"Nonetheless, they were fully engaged and likely felt emotionally drained by the end. As Psalm 50 says, God desires not merely sacrifices but a contrite heart," Barone said.
"The highest form of participation is the internal self-offering to God the Father, through the offering of His Son."
Likewise, Barone said, Jesus' mother Mary "perfectly participated in the worship of God at the crucifixion of her Son with tears and a silent self-offering."
According to the church office, an average of 148 people have attended the 4 p.m. Latin Mass since the change was made in April.
Putnam and Barone said feedback has been generally positive.
Barone said that the youth of the church, especially, have shown an interest in the Extraordinary Form of Mass.
"Young people, who have known nothing but constant change in this life, seem attracted to the order, beauty and timelessness of the Latin Mass," Barone said.
There has also been an increase in the number of young men who want to be altar servers, Barone said.
He believes more parishes will offer the Latin Mass "for the simple reason that a great percentage of young priests, seminarians and young men considering the priesthood love it."
Contact Hugh Fisher via the editor's desk at 704-797-4244.


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Date: 04/29/2008
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William Tan has been fascinated with the creatures of the sea since childhood. At a young age, William became a keen follower of Cousteau's documentaries of the underwater world, and while he was studying at the Johns Hopkins University, much of his spare time was spent gazing at the extensive marine collection of the nearby National Aquarium in Baltimore. William earned his scuba diving certification in 1994, thereafter spending nearly all his free time in the water.
In recent years, assignments with dive magazines and resorts have allowed him to travel extensively in the Asia Pacific region. A violinist by profession with the Singapore Symphony Orchestra, William's dream is to share his genuine love for marine life with others. William believes that cultivating knowledge and understanding of marine life is the key to long-term concern for and preservation of our rich marine heritage.
Eco Divers highly recommends the award winning book Silent Symphony by William Tan & Tony Wu.
Swimmer Crabs
Lembeh Strait
Mimic Octopus
Green Turtle
Porcelain Crab
Mandarin Fish
Rainbox Mantis Shrimp
Commensal Shrimp
Emperor Shrimp
Shaggy Anglerfish
Marbled Stargazer
Ambon Scorpionfish
Coral Reefs in Shallow Tropical Waters
Pygmy Seahorse
Shoal of Batfish
Blue-ring Octopus
Flamboyant Cuttlefish
Harlequin Shrimp


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Deloitte and NASA Bring Space-Age Risk Management to Oil and Gas Industry
In a move designed to bring advanced risk-management capabilities to America's energy industry, The Deloitte Center for Energy Solutions and the NASA Johnson Space Center have entered into a strategic alliance to offer services to oil and gas companies.
These services, which include several operational risk-management offerings, are aimed at companies looking to minimize the risk of catastrophic failures – the kinds of dramatic mishaps that, while highly unlikely, can occur in remote and harsh environments.
Activities like deep-water drilling, undersea production and pipeline operations all face the same kind of "black swan" events that pose a threat to space exploration. The strategic alliance with NASA will integrate the space agency's 50-plus years of experience preventing and recovering from catastrophic accidents in human space flight into Deloitte's advanced-risk strategies – applying state-of-science capabilities to oil and gas companies.
Ultimately, proactively identifying and mitigating low-probability yet high-impact events can save lives, resources, money, reputation and environmental disruption.
As part of the alliance, Deloitte and NASA will jointly offer a range of services in the quickly evolving risk-sciences arena, such as risk modeling and simulation, to help oil and gas companies eliminate blind spots in their decision making.
Such services apply sophisticated risk-modeling and simulation tools and techniques like Bayesian networks and agent-based modeling to reduce uncertainties in engineering and operations at oil and gas companies – in much the same way NASA has done with its space program.
Deloitte and NASA also expect that oil and gas companies will find Deloitte's risk-sensing services valuable in emerging risk identification – a set of complex tools and techniques, like precursor analysis and event-occurrence trending, to highlight changes in risk likelihood. NASA used these techniques when it was having problems with the space shuttle's attitude-control thrusters, which could limit the ability to control the position of the shuttle while in orbit. Because the thrusters could not be tested on the ground, precursor analysis was used to determine leading indicators and surrounding events preceding thruster usage – allowing the space agency to resolve the problems before future missions.
Deloitte and NASA's offerings will also include dynamically improving risk-management techniques, such as artificial-intelligence tools applied to remote decision-support systems. In addition, Deloitte and NASA will offer services aimed at helping oil and gas companies measure and monitor the effectiveness of their risk culture among their employees and contractors – enabling them to detect whether their work environments and processes are increasing the likelihood of a risk occurring. NASA regularly measures its own safety culture using these same techniques, including assessment reviews to identify warning signs of "cultural deterioration" that could lead to poor risk decisions.
For more information about the alliance, contact David Traylor, Principal, Deloitte & Touche LLP.
As used in this document, 'Deloitte' means Deloitte LLP (and its subsidiaries). Please see www.deloitte.com/us/about for a detailed description of the legal structure of Deloitte LLP and its subsidiaries. Certain services may not be available to attest clients under the rules and regulations of public accounting.


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Had dinner with my wife tonight while she was at work. Told her I have a strange, goofy confidence that something big is going to go down on the first sit of this season. I've never felt like this since I started deer hunting - it's just a strange vibe I'm getting.
Decided to give my dad a call to tell him that she clipped a doe yesterday (she's good, car is good) right by the property ... he said "you have to come here and see what we got on the camera" ... that is where the goosebumps came. We set the cam up 2 weeks ago and 2 hours after we set it, had a little 8 walk in and hang out for about an hour. Moved it last weekend to another stand we call "faithful" and good lord did we see some good signs!
Out of all the videos (30 sec clips) maybe 10 or 12 - 2 doe, rest bucks. There are 2 boss hogs out there, 1 is just a flat beast with a broke G2 ... goosebumps. There is another 8 that is just crazy tall ... goosebumps. Last season we passed on all the bucks we saw and had a shot at and it definitely is going to pay off this year.


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A must-have tool for rough but lasting repairs on all kinds of outdoor gear. After walking the dog last night I noticed that a seam on the instep of both my running shoes (a variant of the Trail Glove, but I'm not sure the exact model). So I broke out the speedy stitcher and within half an hour had them both ready to run. Now there's a line of coarse stitching across the affected part of each shoe, and the stitching also goes through the shoes' soft liner, but I'm confident that the repair will… Full review
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Effective but messy. Does it seal seams? Yes, a quality product without dipping too deep into your pocket. Did I make a mess of my boots applying it, despite the brush applicator? Yes. Suggestion, push some out on a paper plate and then pick up some of that onto the brush and then apply to whatever you have. It works though! Full review
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Prices and availability are subject to change from the time and date that you print this page.
10/26/2014 5:51:38 AM. For Customer Service, please call 800.606.6252
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premium café. Sleek, stainless steel coffee set nods to the retro Viennese café tradition. Hinged-lid sugar and coffee pot plus creamer fit perfectly in matching lightweight tray, stepping up your home-entertaining game. Long, clean lines and reflective shine make this set a keepsake choice for newlyweds or new homes.
Part of the vienna stainless steel cream and sugar set Collection
Details and Dimensions
vienna stainless steel cream and sugar set.
- Stainless steel
- Dishwasher-safe
- Made in India
Cream Holds 5OzWidth: 2.5" Depth: 2.5" Height: 3.75" Cream With HandleWidth: 2.75" Depth: 2.75" SugarWidth: 2.25" Depth: 2.25" Height: 3"
Return/Exchange Policy
The short story is that you have 90 days within receipt of your purchase to make a return on most non-furniture items. For furniture returns or exchanges, please call us within 7 days of receipt at 800.606.6252 so we can advise you on how to make your return within 90 days of receipt. Our policy is simple. If you are not satisfied with your purchase, we promise an appropriate refund, credit or exchange.


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Those three magic letters DTM once stood for Deutsche Tourenwagen-Meisterschaft (German Touring Car Championships), a competition that began in 1984 with production-based cars.The Meisterschaft has since changed to Masters, and the DTM is now the most popular international touring car race series. It is considered the premier event of touring car racing and is one of the biggest sporting events in Europe.
Burning rubber and roaring engines: hundreds of thousands of motorsport fans flock to the Nürburgring or Hockenheimring for the German Grand Prix, the annual race in Germany for the Formula 1 World Championship. The world's biggest motor racing event is huge among racing fans in Germany. Michael Schumacher and Sebastian Vettel are regarded as national heroes, having won nine Formula 1 titles between them.
The Grand Prix weekend at the Sachsenring racing circuit in Hohenstein-Ernstthal promises adrenaline-pumping action on two wheels. This is motor sport and entertainment at its very best with a high-calibre line-up in the World Championship classes Moto2, Moto3 and the elite MotoGP, exciting races in the Red Bull MotoGP Rookies Cup, the ADAC Junior Cup and the Sidecar World Championship, plus a fantastic range of accompanying events at the go-kart track on Altmarkt and on Ankerberg hill.
Max Schmeling, Gustav 'Bubi' Scholz, Graciano and Ralf Rocchigiani, Henry Maske and Axel Schulz – these are just some of the many great fighters from Germany whose success in the international boxing arena has thrilled fans all over the world. The list is long and, with world champions Marco Huck (cruiserweight) and Felix Sturm (middleweight), nowhere near finished.
The ISTAF – International Stadium Festival Berlin – is a late-summer track and field athletics event that acts as a climax for the outgoing season. Here, crowds of up to 70,000 spectators in Berlin's Olympic stadium can cheer on Olympic and world champions fresh from their summer triumphs as well as international stars competing for the jackpot in the IAAF Diamond League.
The claws (teeth and even flippers) are out in the German Ice Hockey Bundesliga, as teams with names such as the Panthers, Polar Bears, Scorpions, Sharks, Huskies, Penguins, Eagles and Tigers compete for the title. Maybe these elite German teams thought that their players would acquire some of the strength and abilities of their animal namesakes – which is not actually too far from the mark, as ice hockey is synonymous in Germany with speed, power and fighting spirit.
The Deutscher Handballbund is the biggest handball federation in the world. German handball clubs have a massive fan base and top matches will pack out even the largest indoor arenas in Germany. The sport's success is largely due to its foothold in many of Germany's smaller towns and cities, such as Grosswallstadt, Gummersbach, Lemgo and Leutershausen, which have each written major chapters in handball history.
Discover Destination Germany with our interactive map
여행 계획 도우미를 사용하여 여행 천국 독일에서 여러분만의 다양한 여행 경로를 만들어 보십시오. 방법:
여기에 즐겨찾기를 추가하십시오. 선택을 저장, 분류, 구분하여 인쇄하고 전체 독일 여행을 계획하십시오.
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HOME New York Giants Gear New York Giants T-Shirts New York Giants T-Shirts Mens Sale Items $10 to $20 (32 items) Product ID: 809160
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If any appreciator of the game of football has ever wondered what it's like to follow a team comprised of unstoppable gridiron warriors, show them The Way to a life of rewarding New York fandom in this custom tee. It features bold "Super Bowl XLVI Champions" lettering with a team name and bold team logo printed on the front over a brick pathway, while the team's 2011 regular season schedule is printed over their Division, Conference and Super Bowl wins and game scores on the back.
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Bentley University announces the appointment of Michael Quinn as associate PhD director. Quinn, who most recently served as associate professor of economics and associate director of the honors program at Bentley, will promote and develop the university's doctoral program.
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HOME NFL Tampa Bay Buccaneers Gear Tampa Bay Buccaneers Ladies Tampa Bay Buccaneers Ladies T-Shirts Sale Items (119 items) Product ID: 679551
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Love for Tampa Bay football is a very important part of your family's tradition. From your littlest nephews to your grandparents, everyone in your family is a die-hard Bucs fanatic. Now you can show your lasting dedication to the Buccaneers by wearing this super soft Game Tradition II tee! Featuring a large team logo and a scripted team name on the front, this team-colored shirt is perfect for a relaxed team style vibe any day of the week!
- 100% Cotton fabric
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