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Concerns by U.S. banks and credit unions over heavy regulatory requirements and risk management have increased nearly 30% since January 2013, according to our latest Indicator.
See Press Release
More than 70 federal regulators, attorneys, bank compliance officers and other prominent industry experts will address the crowds at the 18th annual CRA & Fair Lending Colloquium.
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View this on-demand webinar where our experts outline strategies for maintaining ongoing governance, creating valuable analytics and setting up a strong data model that can support your business strategy.
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Our latest Regulatory and Risk Management Indicators offer a unique reading on the most pressing compliance and risk management concerns within the U.S. banking and insurance industries.
Purpose built technology and consulting services to address lending compliance, one regulation at a time.
Consumer protection regulations and laws impact virtually all bank operations. Effective oversight of these can ensure quality service, preserve a sound reputation, and reduce the risk of financial loss.
Wolters Kluwer Financial Services understands the intricacies of internal operational structures, the demands of regulatory oversight, and the importance of data integrity. Our Wiz® compliance products can be leveraged throughout the lending cycle to help organizations remain compliant with stringent regulatory and internal standards.
Customers choose consulting services, software, or outsourcing, to remain compliant with regulatory and internal standards, while reducing the escalating cost and impractical task administration associated with operational compliance processes.


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Megan Levy Google+
Megan Levy is a breaking news reporter for The Sydney Morning Herald, after previous stints at The Age in Melbourne and London's The Daily Telegraph. Email or tweet Megan with your news tips.
Spate of suburban attacks spark hunt for serial groper
Megan Levy Detectives believe the same man is responsible for a series of frightening attacks on women in Melbourne's east this month.
Crime gang's big cash haul in tyre-slash rampage
Nino Bucci and Megan Levy An organised crime gang is preying on bank customers across Victoria and New South Wales, in some cases slashing victims' car tyres before robbing them of thousands of dollars they have just...
Bank robber flees empty handed
Megan Levy A bank customer confronted a would-be thief as he tried to flee a botched hold-up in Melbourne's east yesterday, police say.
'School asked us to airbrush class photo,' company says
Megan Levy A photographic company that digitally altered the school portraits of six Melbourne students says the girls' college at the centre of the controversy specifically requested for the images to be...
Gastro death preventable, coroner says
Megan Levy The life of an elderly man may have been saved if a gastroenteritis outbreak at a Melbourne nursing home had been reported to health authorities earlier, a coroner has found.

subset: commoncrawl


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Four years is a big gap when you're growing up. But now that I'm aging backwards 😂 it's like Dave and I are the same age. It was really wonderful bonding over our shared love for art in NYC. And thank god he actually dressed up for this outing. #farmerdave #regram #littlebrother or #olderbrother ? #youcanttell (at The Museum Of Modern Art (Moma) - New York)
I'm coming up on my one year anniversary of being back in Canada. So much has changed in the past year,.. It's crazy how different my life was in Japan. This drawing shows a trip I took in Fall of 2012 to Nikko with my sister Cindy. It was my third trip to this beautiful town in Tochigi prefecture, about two hours from central Tokyo. Nikko is in a beautiful mountainous area, and is famous for hot springs, monkeys, shrines, colorful fall foliage and more recently, antiques. On this trip, we ventured out to the Kinugawa onsen area along a one-train-per-hour track — such a change of pace from the every-two-minutes Yamanote line in the central Tokyo core. Such an unforgettable experience that was….
July 3, 2014
Working on my art journal, documenting my vacation to Naoshima, Japan's contemporary art island in 2012. One of the best experiences of my life. #arttherapy #lostintranslation
Having a lazy start to this rainy day…Pondering life.
Albert Camus said, "You will never be happy if you continue to search for what happiness consists of. You will never live if you are looking for the meaning of life." This confuses me… If I'm not doing those things, what am I supposed to be doing?
I think with some people, happiness is an intrinsic state that they don't have to think about or search for. It's just there. It just exists. And for many of the same people they don't have to search for the meaning of life because they're just too busy living to think about what it is…I fluctuate between being both kinds of people. Today unfortunately, my existentialism, verging on nihilism is getting the better of me.
June 3, 2014
If I ever have the privilege of raising a female living thing, like a cat or dog or daughter 😂, I'm totally going to name her "Magnolia" because magnolias are just the most beautiful, majestic and resilient of flowering trees. (at High Park)
Been working on my art journal… My apartment in Tokyo is finally done dizzzzzzo!! Awesome memories of that place ❤ #japanesearchitecture #tokyolife #thistookforever
Lula Magazine
This. Is. So … amazing!!
(Source: paperdollsaintforchildren)
I am not a morning person. No matter how much sleep I get, or which side of the bed I wake up on, I never feel ready to start my day. Every so often though, my morning grumpiness immediately dissipates because I look out my window and see something as majestic as this.
November 21, 2013
Teaching in the primary grades is undoubtedly a challenge and there are so many moments every day that astound me, as to the cognitive development occurring at this stage in their young lives. I'm still smiling at how emphatically this student stated that there was a 'w' at the end of 'Lego' because 'you can hear it.'
November 19, 2013


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1/2 Photos of Sweet Glazed Cherry Pie
Prep Time:
Cook Time:
20 mins
1 hrs
My mother-in-law found this recipe in a Better Homes and Garden and requested that I make it. I had never made a cherry pie before, but the recipe was so easy and everyone loved it! It has become a family favorite.
Units: US | Metric
Serving Size: 1 (155 g)
Servings Per Recipe: 6
Your life in the kitchen will never be the same.


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It's all over, and I'll never forget, never regret it.
Thank you so much for everything, I couldn't have done it without all of you.
It's all over, and I'll never forget, never regret it.
Thank you so much for everything, I couldn't have done it without all of you.
I'm currently in the process of separating myself from tumblr. I'm so thankful for the escape it's given me throughout high school, and the peace its helped me to achieve in the darkest of times, but it's a part of my past that I don't feel I should take with me.
As helpful as Tumblr has been over the past 4 years of my life, it really has given me an excuse to remove myself from social situations, even simple time of solitary reflection. I've missed so much nature, so much beauty, meanwhile finding an entirely differed and new kind of beauty here.
From now on, I head out into the world with the intention of absorbing all that the world has to teach me rather than shutting myself away in a cell phone or a laptop. I'm so thrilled to see what people will perceive of me, all because this blog has helped me to become who I am today.
I'm not deleting my blog, but rather making it inaccessible. I wish to keep it as a modern-day time capsule of sorts. I hope I can one day return to it and see how much I've changed, and how much I appreciate the time I've had here.
Thank you for everything.
American Beauty (via litanaer)
(Source: l-i-t-a-n-a-e-r, via settingupwards)
(Source: madison-avenue1964)
"Don't settle down and sit in one place. Move around, be nomadic, make each day a new horizon."
(Source: officialroofpizza, via danthemanroy)
I promise.
I've never really had "Summer Plans" before, so of course this summer feels foreign when imagined in my wandering mind. I'm spending an entire month, July 9th through August 7th in the Finger Lakes Region just outside of Rochester New York working as a waitress/receptionist at a Bed & Breakfast there called the Acorn Inn. It was built in 1792 and is complete with 5 rooms including a barn that's been converted into a suite, which I will be living in.
The plans came about unexpectedly. I was in the middle of one of my stress-stricken, terrifying bouts of paralysis that came with the end of the 1st semester of my senior year. This was the third day in a row that I had come home from school with just enough drive to curl up in bed and cry myself to sleep, the sleeps from which my patient mother would wake me for dinner and tuck me into bed again.
Having had enough of it, and lacking understanding in the persuasion of my stress levels, my mom came home from work only to find me resuming my normal shield-me-from-the-world-head-under-the-covers posture. She plucked my covers off of me impatiently and began to put my shoes on my feet. Frustrated, I begged her to stop, to leave me alone. But she pulled me up by my arms and walked me to the car.
The first stop was ice cream. Real ice cream, none of that frozen yogurt stuff. A Like It sized Cookie Doughn't You Want Some with coffee flavor instead of vanilla.
The second stop was the movies. We saw Safe Haven, the newest of Nicholas Sparks romantic mush pot movies, all of which I will always love regardless of how much I will shy away from admitting to it.
I don't really remember what the movie was about, to be honest (oh darn, I'll just have to watch it again). I just remember wanting to run away from everything, just like the protagonist did. She ran away to a beach town where no one knew her name, so she made a new one. I wanted to live in and renovate the beaten down, rustic-chic cabin in the woods. I wanted no more responsibility than that of the low-key waitressing job she acquired without any application. I wanted simplicity for once instead of the mess of far too long assignments that polluted the world I lived in.
After driving us both home, my mom put the car in park in the driveway. I wasn't ready to get out of my seat yet, and I think she knew that. So we stayed. For a long time. I don't know how long exactly. But a while.
I broke the silence after what seemed like forever, "Can I do that?"
She knew what I meant. The answer was yes, of course. I could be anything I wanted to be. I could lead a life as simple the one in Safe Haven. I could be a politician, a soldier, a social worker, actress, model, interior decorator. Anything. But those titles and positions, that wasn't what I wanted. It's never been what I've wanted.
I've always wanted a burlap sack and lace kind of life with enough money for enough groceries that would keep me healthy. Enough time to allow me to exercise in nature, to swim in the ocean, to hike, to practice yoga. Enough music to sing to myself and enough silence to hear myself think; enough paper to get all those thoughts down. Enough blankets to keep my love and I warm and enough love to keep my love and I alive. All I've ever wanted was enough, and never more than that.
The truth is that I don't need a computer or a smart phone, an HDTV with DVR or even a blog. All I've ever wanted was enough to sustain me and keep me thriving in the world that was created out of love for me.
So when people ask me where I'm going this summer and they're surprised by the lack of tropical luxury involved, I love telling them that I'm going to somewhere that my heart can grow into what I need it to be: big enough and strong enough to take what this world will throw at me with enough grace to be thankful for it all at the end of each day.
I'm so excited.
This is exactly what I want.
(Source: persas, via memoriesandoldlace)
(Source: julieuntitled, via madelainejoy)
Urban lace by street artist NeSpoon
(via ashleydonahue)
(Source: infinitenap, via lithophragma)
Watching that lantern rise was my catharsis. With the release of my struggles, my pain, the trials and fears I have faced, I made room for the new. I can't wait to see what is in store for my life, it's a mystery that I look forward to uncovering over the next 80 years. Thank you for everyone who's been a part of the beautiful 18 I've had so far. (at Woods Cove)


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Single Goat Carnival/Circus Cupcake Topper Pick
Product Info
This listing is for one, goat, cupcake topper. It is hand formed from a lightweight clay, and then painted in bright, cheery, circus colors. It measures 6 inches high, and is decorated with a sparkley flag, and mint green tissue paper. Sure to make the birthday boy or girl feel special. and be a great addition to a circus themed party!
This topper measures 7 inches high.
For more party ideas, visit my other shop at:http://www.etsy.com/shop/marileejanedesigns


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Holding It Down for the Ladies
While Nicki Minaj wasn't YM's first lady, she was their first female rap artist. Apart from R&B singer Shanell, the hip hop star received major attention for being the new popular rap crew's token girl while appearing on hit YM songs like "Roger That" and "Bedrock."
(Photo: Young Money)
Instagram Photos of the Week: Jay Z Makes a Power Move10/31/2014
Tweets of the Week: Benzino Stays Positive Amid Rumors10/31/2014
Highlights From Power 105.1's Powerhouse Concert10/31/2014
Hip Hop Stars on Sesame Street10/31/2014
Music Stars You Could Be For Halloween10/31/2014
The Illest Villains in Songs10/30/2014
Rap Reunions10/29/2014
The Rundown: Stalley, Ohio10/27/2014
The Rundown: Jagged Edge, J.E. Heartbreak II10/27/2014
The Rundown: Trip Lee, Rise10/27/2014
Instagram Photos of the Week: French Montana Shapes Up10/24/2014
Tweets of the Week: Ray J Wants to Fight Tyrese and Tyga10/24/2014
A History of Monica Lewinsky Mentions in Music10/23/2014
10 Things You Should Know About Dej Loaf10/23/2014
10 Things Learned From T.I.'s Visit With The Breakfast Club10/23/2014
Stage Struggles: Strange Fan Encounters at Shows10/23/2014
Kevin Hart vs. Your Favorite Rapper10/22/2014
Don't Label Me: Artists Beefin' With Their Record Labels10/21/2014
Rap Name Changes10/21/2014
The Rundown: T.I., Paperwork: The Motion Picture10/21/2014
The Evolution of Snoop Dogg10/20/2014
Music Stars React to the Ebola Crisis10/20/2014
When Mainstream Stars Get A #LatePass10/20/2014
Hit 'Em Up: Music Stars Provoked to Punch, Allegedly10/20/2014
Stop the Presses: When Music Stars Clash With the Media10/20/2014
Def Jam Hip Hop Albums You Should Own10/17/2014
Instagram Photos of the Week: Amber Rose, Queen of Hearts10/17/2014
Tweets of the Week: Chance the Rapper on His 'Racist' Lyric10/17/2014
Backstage at Def Jam's 30th Anniversary Concert10/17/2014
The Obamas' Ultimate Music Moments10/16/2014
The History of the Bathrobe in Hip Hop10/16/2014
The Rundown: Game, Blood Moon: Year Of The Wolf10/14/2014
The Rundown: Jessie J, Sweet Talker10/14/2014
25 Most Influential Def Jam Artists10/14/2014
10 Reasons Why Russell Simmons Is Legendary10/14/2014
10 Reasons To See Nas' Time Is Illmatic Live10/10/2014


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Are you starting a new business venture? Are you a current business owner who hasn't thought about the future of your business? Perhaps you are in the entertainment industry and are simply looking for guidance before signing a contract? Businesses, companies, individuals, and families alike can trust in the services that our firm provides because we believe in their goals and are dedicated to seeing them actualized.
When you have crucial decisions to make that affect your business, family, or career, you need help from someone who is experienced and dedicated to your goals. Stone Bennett Law offers personal attention and prompt legal service at a competitive price for business, contract, and entertainment law matters. To discuss your legal needs, submit an online form or call our office!
With nearly 20 years of legal experience, you can rest assured that our firm's goal is to provide you with representation that is:
At Stone Bennett Law, we want to not only meet your expectations, but to exceed them. Our primary focus is making sure that all your needs are met and that your case has a positive resolution.
Learn More About Our Team
At Stone Bennett Law, we understand the many aspects of business law. From business litigation and business formation to drafting business agreements and creating a business succession plan, an attorney must be knowledgeable and experienced, because every decision counts.
We can apply our extensive knowledge of contract law and
entertainment law to your
business law needs. This is extremely beneficial for individuals and businesses alike, because a contract that is executed properly and efficiently can save a business from costly litigation cases. Moreover, we can protect an individual, such as a person in the entertainment industry, with our understanding of copyrights and trademark laws. Individuals looking to plan for their future or protect their family and family business can seek the assistance of our firm for
estate planning guidance as well.
Though costly litigation can be avoided in many cases, some disputes may not be easily resolved due to uncooperative parties that are unwilling to negotiate. Attorney Stacey Stone Bennett has extensive trial experience and is not afraid to take your case to court, if necessary. She has handled cases at the administrative, district, superior, and appellate court level, so she is extremely comfortable in the courtroom.
Our firm also knows that trial is not the best decision for all legal matters and offers alternative dispute resolution options, such as mediation, negotiation, and even collaborative divorce for family matters. We carefully assess your position and evaluate all options before moving forward.
As a 100% female and minority-owned firm, we are intimately familiar with the unique challenges that business owners and other professionals face. We understand the demands of different industries and the unique legal requirements of a myriad of situations that North Carolina business owners and executives encounter. By retaining our firm, you will experience the difference between an attorney who offers basic, generic counsel and one who provides solid legal advice and trusted partnership for your specific concerns.
Whatever your legal needs currently may be, you should be confident that your case is being handled efficiently, professionally, and with absolute dedication. At Stone Bennett Law, we believe that all cases demand commitment to the client. Your business, your corporation, your family, and your career could be on the line. Without devoted and personal attention to your legal needs, you could be risking all of those things.
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Instead of drowning in the legal terms of a complicated contract, allow us to decipher and interpret your contractual agreements. To avoid signing on the wrong dotted line or signing for something you do not completely comprehend, consult us for help! This is your future, your career, and ultimately, your dream. Do not crush your goals by deciding against retaining legal advice. We're here for you!
We are driven by an unwavering belief that we are called to serve all people. We are a proud Christian firm that provides the best possible representation to people of all faiths because we value respect, as well as understand the risks and highly personal nature of our clients' legal matters. We can provide you with much-needed peace of mind during this life-changing time. Contact our firm today to learn more information about how the Charlotte business attorney from Stone Bennett Law can help you
find an innovative solution to your challenges.
Our firm is eco-friendly, and we care about our green footprint. Pay online today!
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Don't forget to turn your cocks back!
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First I thought the joke was irony and THEN I SAW IT.
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Ohmy Ohio you are so stupid xD
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I'm SWELLING with pride…. this was the local paper back home where I grew up. haha
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To paraphrase David Lee Roth, "the cock on the wall is slow. I don't feel tardy."
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Haven't updated in a while…
Been really busy with school and now a new job, and also getting ready to put my work in a big art show. But I still check this frequently and wanted to remind you guys that I can make gifs out of any videos you want! Even if they aren't moto related… I love making them.
#motocross #gif #gifs #submit
Anonymous said: why don't you like james stewart?
Because he's cocky and he can't stay on his bike long enough to back his shit up.
#Chad Reed #CR22 #TwoTwo Motorsports #Dance #Dancing #Motocross #MX #Supercross #SX #gif
Anonymous said: I have decided that I love you because no where in the blog it says "James Stewart"
Hahahahaha yes. Don't worry there won't be any Bubba posts. :)
I know how to make gifs now!
Send me links to youtube videos and tell me what you want, I'll do my best to make it for you :)
#Motocross #MX #Gif #Gifs
Hope you all had a good Christmas!
I got a tool kit and a new fly jersey among other things.
#Christmas #Motocross #MX
tanyt-deactivated20120428 said: asdfghjkl; i love you so much. This blog makes me happy. :)
Awe, I love you too! Haha. Glad you like it. :)
A blog for anyone who loves the sport of Motocross. Feel free to submit things you love about moto or photos for us to use in posts!
Home archive Questions? What do you love about motocross? Made by Yamahagirl


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70 park avenue hotel: New York City packages for weekend and romantic getaways
NYC Weekend Getaways: Romantic Getaways and More at 70 park avenue hotel
Live life well with a weekend getaway in New York and a stay at 70 park avenue hotel. For a romantic getaway, business travel, family trip or leisurely weekend getaway, 70 park avenue hotel offers the kind of New York vacation packages that make your visit a memorable one.
- Book Early And Save Up To 20% (Promotional Offer)
- Save 15% When You Show Your Train Ticket (Promotional Offer)
- Thanksgiving In NYC (Package Offer)
- Celebrate The Holidays With 20% Off (Promotional Offer)
Book Early And Save Up To 20%
- Book in advance and save up to 20% off the Best Available Rate
- Rate is pre-paid, non-refundable, non-cancellable
Book online or call 1-877-707-2752 and mention rate code SP6.
*Rates are based on double occupancy and are subject to space, availability, and change. Taxes and gratuities not included.
Save Up To 15% When You Show Your Train Ticket
Skip the traffic and jump on the train!
70 Park is strategically located only two blocks away from Grand Central Train Station so we encourage you to jump on the train and enjoy an extra 10% off our Best Available Rate when showing your train ticket upon check-in.
Book online or call (877) 707-2752 and mention rate code RAILS
*Subject to availability. Rates are based on double occupancy and are subject to space, availability and changes. Taxes and gratuities not included.
Thanksgiving In NYC
70 Park Avenue and Thanksgiving in New York go together like turkey and cranberry sauce. With so many options like the Macy's Thanksgiving Day Parade, rock-bottom Black Friday sales and festivities like ice-skating at Bryant Park, the city that never sleeps gives you plenty to be grateful for.
Book now using rate code PFAL and your package will include:
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- Complimentary on-demand movie rental
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- 20% off our Best Available Rate
- Complimentary continental breakfast daily
- Available for stays during December 14-25


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Advanced Trainings:
Meet Larry Wasson, ACI, CMI
Larry is the founder of Affiliated Inspectors. In fact, he's one of the original home inspectors…he's ASHI-certified inspector #201 in a field that now exceeds 11,000!
Larry has trained inspectors, taught continuing education courses, and conducted seminars for real estate professionals and homeowners. For 15 years, he trained US State Department buildings personnel on maintaining and improving US properties around the world.
Among his thousands of inspections, Larry has inspected some very interesting places—from embassies to log cabins, from restaurants to race tracks to the homes of some rather well-known celebrities and professional athletes. He's appeared on NBC's TODAY Show, and on Washington, DC's NBC-4. He's worked on many interesting consulting projects, including for the Department of Justice and the FBI. He's provided pre-conversion assessments for local condo developers, and quality-assurance inspections for local and nationally-known builders.
Imagine all that he's seen! His experience gives him a depth of knowledge, a broad perspective, and real-world practical solutions, all working for you.
© Affiliated Inspectors, Inc. 2007
Client Login | Download Adobe Acrobat
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It has been one heck of a busy day!
8:00-8:45ish - gym (bike and upper body ST)
grocery shopping
cooking to use up some veggies - marinara, potato-leek soup, preparing salad greens
run the dishwasher
clean most of the house
It feels really good to sit down. I seriously needed a break... I was planning to make kale-white bean-soy sausage soup, but I think I'll wait until later in the week for that. All the ingredients will be OK until Wednesday night.
After my little break, I have to:
- plan the week's meals
- get outfits ready for the week
- pack a lunch for tomorrow
10-10-10 challenge started today. I have had lots of water 1 1/2 more Siggs to go. No problem! Got my workout in, and I just have to enter my food from today. I think I'll do that later tonight, though. I kind of feel like lying on the couch for a little bit and watching some football.
I know that 10-10-10 is tomorrow, but the challenge at the gym is called 10-10-10 and I've been working on ways that I can meet the challenge of losing 10 pounds in 10 weeks.
My focus for this challenge is nutrition. My fitness is fine (although I am going to be more structured during these 10 weeks), but I know I need to get back into eating more fruits and veggies and fewer carbs. Because I lose control when I go into the kitchen, I wrote myself little notes around the kitchen - "10-10-10 You can do it!" "Meet those goals!" "Are you really hungry? Drink some water first!"
My honey commented on them - he likes them. He said that they would help with his eating habits, too. It's been a while since I've done a challenge like this. I think it's going to be good for me.
My three main goals:
- Stay within calorie range 60 of 70 days. A symphony weekend and Thanksgiving are both within these ten weeks, and I am allowing myself ten days to go out of range.
- Drink 5 Siggs of water a day. I have five Silly Bands on my right wrist, and I move one to my left for every bottle I drink. I tend to lose track, and this will help me. And it's also a good use of the Silly Bands that I get from the kids at school.
- Do all scheduled exercise. I don't want to sell myself short, but I also want to keep my exercise schedule within reason. My weeks usually look like MWF morning gym, and T/TH after school classes. Saturday is a free day where I can choose what I want to do, kind of on a whim.
My rewards:
- If I drink all my water and do all my exercise each week, I get to buy a new iPhone app for each goal. So at the end of this, I could have 20 new apps (that I buy)!
- If (I guess I should say *when*) I stay in calorie range 60 of 70 days, I get an hour long massage. Now that I know how good it feels, I am more determined to earn another one.
I made a chart last night, and I am trying to find a free app that will send me motivational quotes throughout the day to keep my goals in the front of my mind. I'd love to know of any good ones that work for you!
Tonight I am meeting my mom for dinner and to pick up a coat I left at her house... and although part of me wants to go crazy with eating today so I have a little edge for my weigh-in, the more healthy part of me wants to start this thing a day early and get a jump on it.
Have a super day!
Friday = laziness. I love Fridays. Oh yes I do. Putting on sweatpants when I get home, eating an easy dinner, time to catch up on Sparking, sitting on the couch watching mindless TV... it's a wonderful day.
My nutrition has not been that wonderful. Not horrible, but not wonderful. Sure, I've been eating things that haven't been too bad... but I've also been eating too many sweets when I'm not actually hungry.
So to coincide with the 10-10-10 challenge at my gym, I am going to get busy putting up healthy eating reminders around the house. It's so easy for me to think about eating healthy when I'm reading your blogs and getting motivated, but I can't click on a blog as I'm digging into the box of cookies. But I *can* look at a motivating quote or picture on the cabinet and decide if I really am hungry.
Ten weeks. Ten dollars. Ten pounds. Seventy days. I can do it.
- stay within calorie range 60 of the 70 days. A one hour massage costs $60... coincidence? I think not. So if I can stay in range 60 of 70 days, I will get a massage at the end of the ten weeks.
- Intensity class + Carrie = a totally run-down me for DAYS. I took the class again on Monday, and it took me until today to recover from it. I just read a thread on the RR page about fueling after a long run, and I feel like the class (60 minutes of plyometrics) is leaving me exhausted and not fueled. I have to figure out how to fix this. Gatorade might be in my future...
- I have come too freakin' far to settle now. Yes, I've been saying that for a long time, but I have to start believing it now.
I am working on a calendar for the next 70 days. I think if I see them all out in front of me, it will be easier for me to stick with my plan until 10 weeks are over.
This weekend I'll be in the kitchen cooking up some soups for the freezer and marinara sauce. I need more veggie stuff and more easy meals. It's definitely soup season, and we got SO many wonderful veggies for soup. Leeks, bok choy, kale, carrots, squash... time to put them into use!
Today I am tired. Very tired. Yesterday I had a massage after school. It was the best 60 minutes ever. Then I went to a wine tasting at honey's restaurant. If you have ever been to a wine tasting, usually they pour a little bit into the glass to get a taste of it. These glasses were FULL. Like a real-glass-of-wine full. And there were five courses. Holy moly. So today calls for a TON of water.
It's not raining, thank goodness.
Tonight is Stretch Class at my gym - I can not wait for this. My legs need it! They are feeling a little sore today, for various reasons. I may do a little strength training before class... and then after class is a smoothie. The sexy juice-guy (not sexy-juice guy) charmed me into starting an account at the juice bar. But the drinks are all-natural - and very tasty.
- water water water water
- catch up on some cleaning that I didn't do this week
- post my October goals around my house so I remember what they are
- sign up for the 10/10/10 challenge at the gym
- be positive
- water water water water
I loved all the birthday wishes! It's so amazing how many people take the time to wish a happy birthday or send a goodie.
Two classes sang Happy Birthday to me yesterday. If you ever want a giant smile, listen to a group of kindergarten kids sing to you. :)
Last night was a crazy night - Member Appreciation Day at the gym. It went like this:
5:00 - mini personal training session with a buddy
6:00 - Intensity (which totally kicked my butt)
7:00 - Stretch class
7:45 - chicken mole for dinner and a hot bath after that.
Phew! Today I am really feeling it. I will make sure to get lots and lots of water to keep my body in check...
Tonight is Open House at school. I made a play list and I'm ready to go. I think today I'll take some pictures of my room... I worked very hard on getting it ready and I LOVE the results. Open House also means out to eat with some of the girls from school. We are going to Texas Roadhouse... since honey and I had 10 oz steaks on Sunday, I think I'll be getting some kind of chicken dish tonight. Ten oz. of red meat is enough for me for one week.
Today's list is short - I am going to be exhausted after Open House.
- water water water water water
- stretch stretch stretch
- good food choices at dinner
- be positive (this is always an interesting one for me - since I've been making an effort to be positive, I really notice how negative a lot of people are. I am determined to change that!)
- send out thank you e-mails to teachers whose kids sang to me. One of the teachers practiced with his kindergarten kids, and it really meant a lot to me. I want to make sure he knows that.
Have a super day!


text:
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If you need those to work and the alternatives don't work moon whatever it is then you're going to need windows.
1. One work laptop ( very low spec ) which I have on short term / temp loan to do some studying
2. It currently has XP SP 3 on it but has so much software etc it is running slowly
My question is I am trying to do online MS Course(s) / training more to the point but wanted to know if it is possible to do this via linux as think I need flash / silver light / shockwave etc and if this is possible which Distro of linux should I go with.
I am aware of
* Ubuntu
* Mint
* Suse
* Knoppix
Just to name a few but am a total Linux Noob
If you need those to work and the alternatives don't work moon whatever it is then you're going to need windows.
This must be the most surreal post I've read in a long time. You want to know the best linux distro to use to do a microsoft course.. hmm.
I don't often say this, but in this case; the tool for the job is to USE WINDOWS!!!
it's moonlight your thinking of btw.
What spec is the laptop?
Are you allowed to wipe the HDD and install a trial version of Windows 7?
Seeing as it is web based training I was hoping to use a more stable OS without all the windows memory leaks / issues etc. Just thought I would ask. Can format it or whatever
Lenovo T61p with Intel T7700 @ 2.4 Ghz, 2gb ram and 160 gb hdd.
Just wanted it quick and snappy minus memory leaks, registry etc But if I need windows then I guess I need windows
Just thought it was worth an ask
Last edited by Arthur; 9th August 2012 at 11:09 PM.
I've only got XP SP 3 myself
My original thought was I could do the ms course and with linux on it could maybe learn a bit more about linux and it would be stable and a bit faster
Blowing away bloatware: a guide to reinstalling Windows on a new PC
mac_shinobi (10th August 2012)
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text: There's a Nik. This Nik isn't totally sure what he is, but he does know he identifies as male, and wants to present that way to the world, but maybe he doesn't mind his breasts if he can hide them, and maybe some sexy underwear is in order. Nik only likes dick, except for that junk he's kinda curious about? Nik knows not. In the mean time, Nik likes fandoms, and social issues, and running his business, and apparently speaking in fucking third person. How fucking pretentious, Nik. Damn.


text:
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Community Deals
It's whatever you want it to be.
Pretty much, anyway. This is where you find the deals that wooters like you have ferreted out and brought to light. We're thinking it'll turn into a massive database of discounted products from around the Web, constantly expanding to absorb the newest deals from the very moment their prices are slashed, with each deal immediately rated by hordes of savvy voters to spotlight the very greatest deals in the world today. Hey, we can dream, right?
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Date: Tuesday, April 30, 2013Marcie Siegel will present the travelogue From Budapest to Prague at 3 p.m. and 7 p.m. at the DeWitt Operahouse, 712 6th Ave. Suggested donation is $4. Proceeds will go to the philanthropic work of the DeWitt Noon Lions Club. Call (563) 659-8213 for details.
WAITING Apple Filled Cinnamon Rolls
(More recipes)
Visit our other local sites: Daily-Journal.com | MyWebTimes.com | PostBulletin.com
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as a rule, i hate April Fools' jokes, but this is hilarious. ( _ j0sh _ )
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MERCYFUL FATE - Melissa cover art (1983)
(Source: doom-march)
make mine a double… ( _ j0sh _ )
(Source: magicalnaturetour)
(Source: celestinevibes)
we should all be so lucky… and i mean that in the sense that we should all have lovable, helpful robot friends, not the whole trapped up in space forced to watch crummy movies thing. on a related note, i got my "Volume XXIX" DVDs in the mail yesterday, so i'll probably be busy with that for a little while. enjoy, won't we? ( _ j0sh _ )
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Cindy Wright
true friends are the ones who would hang out with ya forever, if need be… ( _ j0sh _ )
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we don't handle "anger management" all that well… ( _ j0sh _ )
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One week to go! Who's ready?
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this is one of those jokes that even now, many years later, i still remember vividly how much i laughed the 1st time i saw this bit of crappy monster movie irreverence. gods bless you, MST3K… ( _ j0sh _ )
(Source: gracie-law, via fuckyeahmst3k)
(we're hiring, sure. but this job won't save you.)
(Source: softerworld)


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FWRL Hawaii Here we come 2
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text: Attorney plans referendum to protect drunk drivers' rights By: Christian Palmer May 5, 2011 , 6:28 pm A portion of recently approved changes to state drunk-driving laws could face a challenge from Arizona citizens, as a Phoenix defense attorney has registered a referendum committee to protect a suspected drunk drivers' right to a trial by jury. Subscribe Login Email Address: Password: Already a paid subscriber but not registered for online access yet? For instructions on how to get premium web access, click here.Forgot your password? Share this:EmailPrintFacebookLinkedInTwitterGoogle +1 Committee for the Right to Jury Trial drunk drivers Jury trial referendum rights W. Clifford Girard Jr. 6:28 pm Thu, May 5, 2011 Arizona Capitol Times Christian Palmer tweet


text: Splindid idea Wolfgang!! Now that is MY kind of census. Interest would be a terrific category. Helping to identify those that might want to help with a project. Lorenzo On Fri, Jul 16, 2010 at 7:39 PM, JOHN <variglog at sbcglobal.net> wrote: > Hi Melina > > > > That sounds like a great idea. For our purposes, the Census would key on > collecting information concerning location and interests of members rather > than just the standard demographics. Perhaps a "living map" could be > generated showing where folks live and identify areas of the Barony where > recruiting needs to be concentrated. If someone could apply the right > computer programming, imagine how fun an interactive map/list would be > identifying our folks by persona geography and timeline, especially if that > could be projected to a Kingdom level! For example, I could ask the program > to identify early-mid 16th Century Personas and then key it down to > Germans, English and Swiss. Therefore, we'd be combining a mundane Census > with a Period Census. > > > > Wolfgang > -------------- next part -------------- An HTML attachment was scrubbed... URL: <http://lists.ansteorra.org/pipermail/namron-ansteorra.org/attachments/20100716/84769eee/attachment.htm>


text:
Word: Pilotin
Added on: 2010-02-15 Listened: 113 timesin: expressions, Navigation, boats, ships, shipbuilding, occupation, occupations, airport, air travel
Pronunciation in German [de] Back to German
- Pronunciation by IchBinEs (Male from Germany)
- Could you do it better? different accent? Pronounce Pilotin in German
Accents & languages on maps
Pilotin pronunciation in French [fr] Back to French
- Pronunciation by spl0uf (Male from France)
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- Could you do it better? different accent? Pronounce Pilotin in French
- Random word: superlativ
by Wiktionary Phonetic spelling:
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Join Now
Join ePHOTOzine, the friendliest photography community.
Upload photos, chat with photographers, win prizes and much more for free!
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Just a quickie. I'm thinking about finally buying a printer at the moment (probably an Epson R2400), and was costing up the running cost with the paper and ink cost. I've been using online companies to print on 3:2 aspect ratio that D300 has. So, 6x4,9x6, 12x8, 15x10, and so on. Looking online for paper suppliers, all Epson paper seem to be A4, A3, and non of them are 3:2, which means I can't get borderles prints, and I'd be wasting some of the paper every time I print. Should I just print on A4 and A3, and cover the sides with a mount? It will leave uneven borders from the horizontals to verticals. Or should I crop the photo to make it fit perfectly to A4? What do you do?
I would say that 90% of the pictures I have taken would either benefit from a crop or allow a crop. This means that I can normally find a suitable crop to print at A anything. However I rarely do this borderless as all my pics are framed and require a border for the mat to sit on. Sometimes I laminate pictures for various projects but these are always trimmed square after laminating (roll) so borderless is not required.
It is the picture that determines the final aspect ratio and sometimes this is a square format that is printed and trimmed as needed.
So instead of locking yourself into a fixed size just because it fits the camera aspect ratio start looking at your images and try new sizes.
Printing your own pics will also reduce the number you print, mainly on fiscal grounds. If you get a 2400 then look at the Lyson CIS from Marrutt (I use this) also mentioned in other posts.
I tend to use A4, A3 and A3+ sized paper and I like to leave an even 2cm margin/border all around the image. This means having to crop a fraction off of the image which I've never found to be a problem.
If I really didn't want to lose any of the image then I'd just accept unequal margins.
I don't prnt borderless myself for three reasons; 1) I prefer a plain white border around the image and especially if framing the print as it allows for handling and clearence for attaching the mount.
2) It wastes ink by overspraying and fills up your inks waste tank prematurely.
3) It causes head strikes if the paper has the slightest curl to the corners.
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Page 94
Greenland for measuring ice sheet surface elevation and thickness. This ability, if combined with present efforts at detecting the distribution of shallow layers to understand the spatial variations in accumulation, could produce an unmatched tool for completing the ice thickness map of Antarctica. Tying measurements from an accumulation radar to shallow core sites where background rates and variability have been determined in both Greenland and Antarctica would greatly enhance efforts to determine appropriate forcing for ice sheet models.
Altimetry offers the most promising approach to sea ice thickness mapping for change detection; this approach is the subject of an upcoming European Space Agency mission. The utility of ICESAT data for this application needs to be investigated, along with integrated approaches that use altimetric and ice motion time series, such as AVHRR and RGPS methods in the still exploratory stages. Validation and error analysis for these products should be pursued in an integrated manner as well.
NASA has no plans for a polar radar altimeter to measure ocean surface elevation beyond the latitudinal range of Topex-Poseidon. NASA should consider participation in future high-latitude radar altimetry programs, perhaps in conjunction with the satellite agencies of other nations.
Finally, the Earth Science Enterprise research activities of the polar community will be limited by the lack of appropriate SAR coverage, which may require a U.S. SAR. Many of the recent NASA-funded advances in cryospheric research have come from interferometric analysis of time series of SAR data. The processes that are studied are time-variable and so require relatively frequent repeat observations. Both sea ice and ice sheet research will suffer without access to SAR data acquired at appropriate intervals. The absence of a U.S. SAR satellite and/or MOUs with entities flying SARs is of great concern to the polar ocean and ice sheet communities.


text:
Tags: life, stream, abstract, tree, acrylic, paint, surreal, oval, circles, purple, magenta, life stream, final fantasy
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text:
More and more people are becoming fans of football. If you wish to know why there are so many people are devoted to Sunday football, keep reading. Is it time to join your friends and family as a true football fan?
Safety is the first and foremost concern that you have in the game of football. From working out to playing a game, be safe. Wear proper safety protection at all times.
Football players must weight train. It is important to engage in a year round weight training regimen specifically tailored to help your football game. Basic lifts combined with heavy weights should be used to build speed and strength. Both skills are needed to be a winning player.
Always wear safety equipment when you play football. The chances of getting seriously hurt is just too much. If you do not have the right gear do not play. There have been people paralyzed playing football among other serious injuries. These types of injuries can affect your entire life.
If a new trick you try when you play football does well, refrain from using it often. It is a good idea to use something that works. However, use it too often and the opposition will learn to spot it ahead of time.
You must be able to read the opposing team's formation if you're playing defense. You can anticipate the next play by watching where the receiver is. Watching football games will teach you the different formations that teams use.
Try using the uncommon fair-catch kick to score. If a team makes a fair catch on a punt that they get from their opponents, they can use the free kick to get three points from the spot where they fielded the punt. A holder puts it in place for the kicker; you can't use a tee. It's worth 3 points, just like a field goal. That down is not timed.
Work on drills intended to boost agility. Believe it or not, football players need more agility than most other sports. They must be in order to not get tackled and make extraordinary catches. Do all that you can to increase your skills here. Try jumping rope or running through tires.
Knowing about football makes it a lot more fun. Now that you have read this article, you have no excuse to not like the game. Remember the tips in this article, and you will see your enjoyment of the game continue to rise.


text:
Caltech and UCLA have launched highly productive collaborations in cancer research and other areas of biomedicine in recent years, frequently through the Caltech lab of Nobel Laureate and President Emeritus David Baltimore. Now, an endowment established by the Raymond and Beverly Sackler Foundation will strengthen the Caltech-UCLA partnership and advance the Baltimore lab's interdisciplinary research into areas where mathematics and engineering converge with biology.
Caltech researchers have been able, for the first time, to watch viruses infecting individual bacteria by transferring their DNA, and to measure the rate at which that transfer occurs. Shedding light on the early stages of infection by this type of virus—a bacteriophage—the scientists have determined that it is the cells targeted for infection, rather than the amount of genetic material within the viruses themselves, that dictate how quickly the bacteriophage's DNA is transferred.
Imagine if doctors could perform surgery without ever having to cut through your skin. Or if they could diagnose cancer by seeing tumors inside the body with a procedure that is as simple as an ultrasound. Thanks to a technique developed by engineers at the California Institute of Technology (Caltech), all of that may be possible in the not-so-distant future.
Nearly all motile bacteria can sense and respond to their surroundings through a process called chemotaxis, which begins with proteins known as chemoreceptors. Now researchers at Caltech have built the first model that depicts precisely how chemoreceptors and the proteins around them are structured at the sensing tip of bacteria. Because chemotaxis plays a critical role in the first steps of bacterial infection, a better understanding of the process could pave the way for the development of new, more effective antibiotics.
Our bodies are full of tiny superheroes—antibodies that fight foreign invaders, cells that regenerate, and structures that ensure our systems run smoothly. One such structure is myelin, a material that forms a protective cape around the axons of our nerve cells so that they can send signals quickly and efficiently. But myelin becomes damaged in demyelinating diseases like multiple sclerosis, leaving neurons without their sheaths. Researchers from Caltech now believe they have found a way to help the brain replace damaged myelin.
A team of researchers at Caltech has devised a new method for making complex molecules. The reaction they have come up with should enable chemists to synthesize new varieties of a whole subclass of organic compounds called nitrogen-containing heterocycles, thus opening up new avenues for the development of novel pharmaceuticals and natural products ranging from chemotherapeutic compounds to bioactive plant materials such as morphine.
Rustem Ismagilov, the new John W. and Herberta M. Miles Professor of Chemistry and Chemical Engineering at Caltech, believes in the ability of science and technology to address significant societal problems—from the spread of HIV and drug resistance to bacterial imbalances in the gut.
Over the past year, researchers at Caltech, and around the world, have been studying a group of potent antibodies that have the ability to neutralize HIV in the lab; their hope is that they may learn how to create a vaccine that makes antibodies with similar properties. Now, biologists at Caltech led by Nobel Laureate David Baltimore have taken one step closer to that goal: they have developed a way to deliver these antibodies to mice and, in so doing, have effectively protected them from HIV infection.
Using highly potent antibodies isolated from HIV-positive people, researchers have recently begun to identify ways to broadly neutralize the many possible subtypes of HIV. Now, a team led by biologists at Caltech has built upon one of these naturally occurring antibodies to create a stronger version they believe is a better candidate for clinical applications.
Mark E. Davis and David A. Tirrell of Caltech have been elected to the Institute of Medicine, an honor that is considered among the highest in the fields of health and medicine. Both Davis and Tirrell are already members of the National Academy of Sciences and the National Academy of Engineering, making them two of only 13 living individuals who have been elected to all three branches of the National Academies.


text:
Even though I don't come here and post much, I really do have a LOT to say. It's so important to discern your context, timing, and words carefully when blogging. There's so much going on in my family, community, state and of course in our world. I have a voice and it's time I really use it to help bring change. But first, this post is to seek prayer.
There are a couple of things I could really use prayer on:
1. I'm in the process of writting and finishing my first urban ministry curriculim for middle school/ high school girls. It's a collection of my years of experience of working with girls in the inner city and it's time I stop running from The Lord in putting this bible study out there. I pray it's encouraging for many young girls in the hood. Pls pray for wisdom and for God to be glorified.
2. 4th annual Purity Study and purity ball is coming up in February. Prayers needed for planning of this very important community gathering.
3. I'm homeschooling a MIDDLE SCHOOLER! Even though I'm excited I'm also very nervous. Yikes! My baby is growing up and I wasn't ready! You already know what kind of issues I'm up against. Prayers are needed.
4. I'm finally returning to school next spring. I'll give more info on that later but could use prayers on having a very good school year.
Yes, I have a lot going on. My marriage is important, my child is important, the ladies I disciple are important. I want to do all things well and keep what's priority priority. Please pray I always remember what those things are and protect them.
May Gods grace abound to you all!


text: The Mail November 24, 2008 Issue The Darker Side A letter in response to Alexander Stille's article (November 3, 2008) Table of Contents Alexander Stille, in his piece on the administration of Silvio Berlusconi, offers American readers minor comic relief from our own politicians, but it is important to note that Berlusconi has inflicted, since his return to power this past spring, real pain and suffering on Italy's more than four million immigrants, both legal and undocumented ("Girls! Girls! Girls!," November 3rd). Dozens of new detention centers for immigrants have been opened, the allowable time period for detention extended from two months to eighteen (in line with a similar regulation passed by the European Union), and prison sentences for illegal immigrants who commit crimes will henceforth be longer, by about a third, than for native Italians. In the new Berlusconi-Maroni atmosphere of xenophobia, Gypsy encampments have been attacked by angry mobs, the inhabitants—mostly women and children—forced to flee, and the camps firebombed. Immigrant shopkeepers have been assaulted, and an African from Burkina Faso was beaten and murdered just a few weeks ago, for allegedly stealing a packet of cookies. Berlusconi has given permission to all that is ugliest in Italian society to come to the surface. Suzanne Ruta New York City You Might Like Jigsaw Puzzle Strongbox Submissions Goings On App About Us Caption Contest The New Yorker Festival ✕ The New Yorker Strongbox Strongbox is a new way for you to share information, messages, and files with our writers and editors and is designed to provide you with a greater degree of anonymity and security than afforded by conventional e-mail. To help protect your anonymity, Strongbox is only accessible using the Tor network (https://www.torproject.org). When using Strongbox, The New Yorker will not record your I.P. address or information about your browser, computer, or operating system, nor will we embed third-party content or deliver cookies to your browser. You can read our full privacy promise here. The New Yorker Strongbox is powered by SecureDrop. To get to Strongbox and begin using it to contact writers and editors at The New Yorker, just follow these two steps: 1Download and install software to access the Tor Project: https://www.torproject.org. This should only take a few minutes. 2Once you have access to the Tor network, go to Strongbox at http://strngbxhwyuu37a3.onion, where you will find further instructions on how to submit files and messages to The New Yorker. You will be assigned a randomly generated and unique code name as part of the process. If a writer or editor at The New Yorker wants to contact you about the information you have submitted, he or she will leave a message for you in Strongbox. These messages are the only way we will be able to reach you, and this message can only be accessed using your code name. Our privacy promise The New Yorker's Strongbox is designed to let you communicate with our writers and editors with greater anonymity and security than afforded by conventional e-mail. When you visit or use our public Strongbox server at http://strngbxhwyuu37a3.onion, The New Yorker and our parent company, Condé Nast, will not record your I.P. address or information about your browser, computer, or operating system, nor will we embed third-party content or deliver cookies to your browser. Strongbox servers are under the physical control of The New Yorker and Condé Nast. Strongbox is designed to be accessed only through a "hidden service" on the Tor anonymity network, which is set up to conceal both your online and physical location from us and to offer full end-to-end encryption for your communications with us. This provides a higher level of security and anonymity in your communication with us than afforded by standard e-mail or unencrypted Web forms. Strongbox does not provide perfect security. Among other risks, if you share your unique code name, or if your computer is compromised, any activities, including communications through Strongbox, should be considered compromised as well. The system is provided on an "as is" basis, with no warranties or representations, and any use of it is at the user's own risk.


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Goldman's reputation in tatters
It's not easy to parse a one-sentence statement, but Goldman's declaration that "the SEC's charges are completely unfounded in law and fact and we will vigorously contest them and defend the firm and its reputation" seems ill-advised to me, mainly because it's so obviously untrue. It might be hard to successfully prosecute Goldman — they have a lot of very expensive lawyers, and securities law is murky at the best of times. But there's enough in the way of smoking guns in the SEC's complaint that it's ridiculous to say that it's "completely unfounded in fact".
It makes a lot of sense here to do the old-fashioned thing and follow the money. Why was ACA so quiet about the fact that it wasn't really picking the securities in the CDO it was nominally managing? Because it was being paid millions of dollars for its silence. And why was Goldman so happy to do Paulson's bidding? Just look at the complaint.
The deal closed on April 26, 2007. Paulson paid GS&Co approximately $15 million for structuring and marketing ABACUS 2007-AC1.
Even by Goldman standards, that's real money. But the fact is that the investors in the deal had every right to know who was paying the piper — and Goldman went to great lengths to keep that fact secret.
Goldman can and almost certainly will mount a legalistic defense here; Henry Blodget does a good job of glossing what it might look like. Essentially, he says, it's reasonable to say that ACA picked the securities in the CDO, because it picked them from a list compiled by Paulson. Paulson, of course, having come up with the list in the first place, didn't really mind which of the securities ACA picked: the game was already rigged by that point, and ACA had no more control over the final outcome than the guy up on stage being asked by the magician to "pick a card". So long as ACA was playing on Paulson's field, they were certain to end up losing the game.
But the problem for Goldman here is that even if this kind of defense stands up in a court of law, it's not going to hold much water with the firm's precious client relationships. Stephen Gandel has a good take on the whole affair:
Does this end Blankfein's reign as head of Goldman? I think so. It's a big deal for an investment bank to be charged with securities fraud. And it is not just a coincidence that Goldman would get hit with a fraud case when Blankfein was CEO. Even though he is not named in the complaint, Blankfein is to blame. He pushed the firm to become less of an investment bank and more of a trading behemoth. And this is the result: A brilliant trade that was so brilliant the Goldman people forgot that it also might be fraud.
Goldman talks ad nauseam about how everything it does it does for its clients, and how any profits it ultimately ends up making are just a result of being "long-term greedy". But if it attempts legalistic hair-splitting about how its behavior in the Abacus case was technically not illegal, it's just going to end up looking even more culpable in the eyes of its clients. Goldman, if it was behaving honorably here, would have been open about the whole truth of what was going on. It would have revealed Paulson's role in structuring the deal to IKB and other investors, and it would have revealed Paulson's short position to ACA. Instead, it played IKB and ACA for suckers. And that's just not the kind of behavior that Goldman likes to think that it engages in.
It's possible, pace Gandel, that if Blankfein goes, that might help placate Goldman's clients. But I doubt it. The firm is run by traders now, and replacing one trader with another will not make any difference. And Blankfein's culture is exactly the same as that of just about anybody who might replace him.
In any case, it seems to me that Goldman owes its clients and the public a massive apology. Blankfein has already said that Goldman "participated in things that were clearly wrong and have reason to regret"; he should make it clear that Abacus falls into that category. Instead, he's trying to brazen it out, and is saying that the SEC's charges are "unfounded in fact". That might make sense from the point of view of a legal strategy, but it doesn't make sense if he's trying to rescue what remains of his and his firm's reputation.
We welcome comments that advance the story through relevant opinion, anecdotes, links and data. If you see a comment that you believe is irrelevant or inappropriate, you can flag it to our editors by using the report abuse links. Views expressed in the comments do not represent those of Reuters. For more information on our comment policy, see http://blogs.reuters.com/fulldisclosure/2010/09/27/toward-a-more-thoughtful-conversation-on-stories/
Heidi Moore thinks that this finally proves Matt Taibbi wrong, which I must say is a rather charitable spin on things, because Paulson was the inspiration for the deals rather than Goldman
The correct response to their brazen-ette crackhead who-me? defense is to prosecute this fiasco as criminal as well as "civil" fraud. And keep going until Goldman gets a civil tongue in its head, or goes down. Whichever comes first.
If it's at all unclear whether the FBI has saddled its pony yet, it shouldn't be much longer.
Such a shame for a company with such history and culture. I think:
> The CEO should apologise to his clients, his people and the public about the deals GS has been involved in under his leadership
> Next, he should step down and reshuffle the executive committee and the broad of directors
> There should be investigation and internal changes to the way Goldman runs. Go back to serving clients and long term profit.
Good luck.
". Instead, it played IKB and ACA for suckers. "
That seems more than a little overgenerous to IKB and ACA. IKB clearly needed adult supervision – they should have known (a) somebody was taking the other side of the bet for a reason and (b) GS and ACA were making money from putting the deal together. They acted like a befuddled 90 year old signing away his SS check. What were all the high salaried managers and analysts at IKB doing for their depositors? Flying to NYC and going out to dinner with GS?
And ACA put their name on the line. They represented to the customer that they had put together the package in good faith where they had really just taken a fee and passed on Paulson's design. They had an ethical and seems to me legal obligation to walk away from the deal, but they too the fee and played along.
I'm not impressed with Blodget's 'legalistic' defense. The identity of the selection agent was clearly "material" to everyone involved: that's the whole reason GS hired ACA, to attach the name of a selection agent to the CDOs, as their investors had started demanding. Thus, failing to disclose who the selection agents really were and their own investments is an "untrue" statement about a "material" fact.
Couple points to add to the conversation:
- I could be wrong here, but there is a very good chance Paulson was actually long the equity tranche of ABACUS while still expecting the collateral to fail miserably. Because it takes a while for the bonds to start taking writedowns, they initially generate excess interest that is paid out to the equity holder. If they held the equity, they get paid a few million dollars on the long side before the bonds start to fail, and then they get their billion on the short side when the thing blows up. This serves as further cover that they were actually "long" the deal.
- This may further tarnish Goldman's reputation on Main Street, but this whole thing comes as no surprise to anyone in the financial sector. Their reputation is not that they have their clients' best interests in mind. Their reputation is that they are incredibly smart and good at making money and they will rip your face off without hesitation.
Rootless – My initial reaction was that SEC would have a very difficult time making their case for the reasons you cite, i.e. that if IKB is a qualified institutional investor, then caveat emptor largely applies.
Even caveat emptor has limits, though, and they kick in at the word fraud. I still think SEC has something of an uphill battle, but if even one of the pieces of evidence presented in the complaint can constructively be interpreted as a lie, then the line is crossed.


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Monthly Archives: February 2011
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I want to share the last chapter of a book I read called "Orbiting the Giant Hairball" by Gordon MacKenzie. In your mind, conjure an image of the Mona Lisa. Visualize that masterpiece's subtleties of hue and tone as clearly … Continue reading
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Full Disclosure
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n3td3v wrote:
I'm still calling for Secunia to be dropped as a sponsor of
Full-Disclosure mailing list and it to be funded by public donations
How much have you donated so far?
If someone like SANS Internet Storm Center took over Full-Disclosure
mailing list that would make a lot of sense actually.
Full-Disclosure should be non-profit, free from the industry that makes money!
SANS is a for-profit, you twit!
Full-Disclosure - We believe in it.
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In the past, one may find himself or herself sulking over the everyday hardships of life. No one can ever tell when or what predicaments life can bring you. You may not always have a ready solution to answer or remedy such crisis that demands immediate resolution. This is the time where people in financial distress should call for immediate outside help by obtaining short term loans such one month cash loans.
These kinds of loans are instantaneous solution for immediate and typically unforeseen financial troubles. short-term loans are an efficient solution to deal with the pressing exigencies of everyday life. There is no telling where or how life can take you. As such, there must always be ready cash available at your disposable in such times of need. One month cash loans are becoming a popular solution to financial distress and have now been made an integral part of the financial market system.
Applying for 1 month loans can be a very simple task. You only need to visit banks or financial institutions offering payday loans in your area. If you don't have time to travel, you can always look for low interest loans in the internet. Applying for instant cash simply requires the filling-up of an application form. It is of utmost importance that only accurate and truthful information be entered in the application form for bad credit cash loans. This may be a way for the lenders to determine the faithfulness of the applicant which is a good basis in the granting of short-term loans application.
However, one must be wary of certain lenders who are also in the habit of selling the personal information of its clients to third parties. You must make sure that the financial institution guarantees the privacy of the personal information shared with them. Since one month loans are unsecured loans, there is no need for the bank or financial institution to retain collateral over the borrower's properties. 1 month loan are secured by the mere promise and commitment of the borrower to reimburse the value of the principal amount loaned at the date of maturity.
It is quite easy to get approvals for 30 days loan. It does not involve a great understanding of the intricacies and technicalities of finance and the law. In fact, the contract for 1-month loans is very simple in itself. Payday loans do not entail the production of elaborate paperwork and other formalities. There is no need to fax credentials or other private documents to the lenders and there is definitely no need to credit checks. As such, the procedure in obtaining instant approved loan is probably the simplest and most efficient way of borrowing quick cash. There are really not a lot of requirements to be met in order to obtain short-term loans. One must only possess the minimum legal qualifications such as the following:
- That the lender has reached the age of majority. The borrower will be entering a legal contract. Capacity to enter into a contract is only attained upon reaching the age of majority which is 18 or 21 years and above whichever is applicable.
- The applicant must have a source of income. The amount of cash to be loaned will depend on the amount of income that the applicant borrower could earn in a month. The lender may or may not impose additional minimum monthly income criteria in order to qualify for one month cash loans.
- It is also necessary to have a valid bank account. It is important in order for the borrower to manage the fast loan transactions. It will also serve as the channel to which the proceeds of the loan will be delivered as well as its repayment.
The money lending business is really not an easy undertaking. Financial institutions offering bad credit loans are always interested in the borrower's capacity to pay. As such, it is only undisputedly proper for them to check the credit histories of its applicants. Of course, one month loan borrowers with a good credit score will necessarily trump over those who have bad credit standing. While this is the general rule, it is not essentially true with short-term loans. There is always a good chance for anyone to have their payday cash loans applications approved. In fact, one month cash loans are easily granted to individuals compared to other longer termed loans. This may be mainly due to the fact that instant cash loans only deal with a relatively minor amount of cash. It may be merely useful to remedy simple and minor problems that demands immediate attention. Being such, it must also be taken into consideration that loans for 30 days involves an elevated rate of interest than regular loans due to its relatively easy approval. However, it does not only mean that loans for one month carry the biggest burden. It is still the best option compared to costly bank overdraft rates and other seemingly usurious loan transactions. Once the information in the one month cash loans application form is verified by the financing institution, it will then decide whether to approve or reject it. Upon approval, it will just merely take a few hours before the corresponding cash is released to the borrower.
In order to simplify the search for low interest loans, one may avail of several loan finders that are available in the classifieds and even online. However, loan finders are some kind of brokers who charge extra for their services especially with one month cash loans. This option must be used sparingly unless an extremely good deal for one month cash loans has been offered. Moreover, you might not be able to know immediately if the one month cash loans application has been approved or not. However, certain good loan finders can definitely help an applicant to obtain the best deals for one month cash loans and the provide assistance in avoiding certain charges and fees.
One month cash loans are not only useful to settle personal expenses. It is also very useful in business operations. One month loans can also be used to meet unexpected demands in production. One month cash loans can also be obtained to acquire quick cash when an entrepreneur is faced with an urgent situation requiring instant cash disbursement. One month cash loans can also be very helpful in circumstances when a business opportunity transpires in the course of operations and you don't have the necessary cash on hand or is not liquid enough to grab such opportunity. It can also be sufficient to defray expenses that will not necessary translate to profit. If used in business, 1 month cash loans will positively be granted by financial institutions because there is a greater chance in terms of repayment of one month cash loans. You can also apply for one-month cash loan to be used in school. If money is not readily available to pay for tuition fees, a student can certainly get a hold of the required cash through instant approved cash loans. It must only be necessary that the bank or lender be given some sort of assurance that the loan will be paid. Also, the student must be of legal age and should possess at least the minimum qualifications in order to validly enter into a contract for 1-month cash loan.
In the UK, there are already a big number of people taking advantage of 1-month cash loans. This is mainly because it offers quick cash for a relatively small amount of premium. It can also be equated to a "cash advance" which is otherwise commonly known as "payday loans". This is also synonymous with one month cash loans.
Lending companies differ in policies whether it is in managing interest fees or any other terms and conditions of one month cash loans. There are also some legal requirements which financing institutions should adhere to. These are regulations and statutes designed to protect the borrowers from unscrupulous and usurious one month cash loans transactions. There is indeed an imperious need to protect the public because such borrowers are almost always in a desperate state. As such, applicant borrowers are often placed at the mercy of deceitful individuals. Such state of financial desperation may place the borrower in a condition where they will probably agree or contract instant loans under very unfavorable terms and conditions. To deal with this matter, the government requires lenders to acquire a license from the UK Office of Fair Trading as a sort of regulation and evaluation of such financial lenders. Moreover, the advertisements of short term loans such as one month cash loans is also regulated through the Advertising Standards Authority in order to make sure that only truthful statements and claims on one month cash loans are being communicated to the public at large.


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Most of the photos on this site were extracted from reference images (high-resolution tiffs, 20 to 200 megabytes in size) from the Library of Congress research archive. (To query the database click here.) Many were digitized by LOC contractors using a Sinar studio back. They are adjusted by your webmaster for contrast and color in Photoshop before being downsized and turned into the jpegs you see here.
Vintage photos of:
January 1909. "Young cigarmakers in Englehardt & Co., Tampa. Youngsters all smoke." View full size. Photograph by Lewis Wickes Hine.
"A 'reader' in cigar factory in Tampa, Fla. He reads books and newspapers at top of his voice all day long. This is all the education many of these workers receive. He is paid by them and they select what he shall read." January 1909. View full size.
Girls working in Tampa, Florida, cigar box factory. I saw 10 small boys and girls. Has had reputation for employment of youngsters but work is slack now. January 28, 1909. View full size. Photograph by Lewis Wickes Hine.
November 1941. Blast furnace at Carnegie-Illinois steel mill at Etna, Pennsylvania. View full size. 4x5 Kodachrome transparency by Alfred Palmer.
November 1942. "Hanna furnaces of the Great Lakes Steel Corp., Detroit. Coal pusher apparatus with coal storage building seen in the fog which constantly hangs over the plant." 4x5 Kodachrome transparency by Arthur Siegel. View full size.
"Dinner-Toters" waiting for the gate to open. This is carried on more in Columbus than in any other city I know, and by smaller children. Many of them are paid by the week for doing it, and carry, sometimes, ten or more a day. They go around in the mill, often help tend to machines, which often run at noon, and so learn the work. A teacher told me the mothers expect the children to learn this way, long before they are of proper age. Photo by Lewis Wickes Hine, Columbus, Georgia, 1913. View full size.
January 1912. "The Flint Cotton Mill spinning room. Small girls are employed here but not in evidence this noon. Fall River, Massachusetts." View full size.


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Mountain Park Resort | Pigeon Forge TN | Angel Haven
Angel Haven
Pigeon Forge Cabins, Pigeon Forge, TN
1 Bedroom / 2 Baths
Cabin / Sleeps 4
Featured Property Photo
Amenity Rating: 5 Star Amenities, (details)
"Angel Haven," a beautifully decorated Mountain Park Resort Pigeon Forge TN cabin with swimming pool access and WiFi Internet, provides the perfect lodging for a mountain retreat. A 1-bedroom cabin rental with swimming pool access, "Angel Haven" provides the perfect chance for couples seeking an action packed weekend away from their everyday experiences to create a vacation to remember.
This cabin rental's downtown Pigeon Forge location is a nice plus, but as you descend the spiral staircase to your impressive master suite with king size bed and luxurious Jacuzzi you'll never want to leave the romantic ambiance of this Smoky Mountain getaway cabin. A private doorway leads to the lower covered deck where you can relax in the warm waters of the hot tub. Additionally, there is a queen sleeper sofa, for small families needing a cabin rental sleeping up to 4 guests.
Enjoy indoors games of pool on the full-sized pool table or visit Mountain Park Resort's outdoor swimming pool. The cabin's WiFi allows guests to share photos and stories with friends back home via Facebook as well as to stream the latest movies on Netflix. This cabin's fully equipped kitchen allows you to eat whenever you're ready - no matter how early or late. Enjoy a country cookout in the mountain air on the cabin's grill.
During the cooler months, couples can cuddle by the gas-log, stone fireplace as they watch their favorite movie, maybe with some popcorn. "Angel Haven," a great 1-bedroom cabin rental with swimming pool access in Mountain Park Resort Pigeon Forge, TN, provides the perfect choice for making your honeymoon, anniversary or romantic escape to the Smoky Mountains truly memorable!
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"Cabin Rentals in Gatlinburg in the Smoky Mountains"


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Sixteen singles players and six doubles teams from the Big 12 will be competing at the 2014 NCAA Doubles and Singles Tennis Championships May 21-26 at the University of Georgia in Athens, Ga.
Oklahoma's Guillermo Alcorta earned the Big 12's automatic-qualifier bid in singles. He will be joined by nine other men's singles players, including three of his teammates (Axel Alvarez, Andrew Harris and Dane Webb) in the singles competition. Other Big 12 men's singles participants headed to the NCAA Championships are Diego Galeano, Julian Lenz and Patrick Pradella of Big 12 champion Baylor, two players from Texas, Soren Hess-Olesen and Lloyd Glasspool, TCU's Nick Chappell and Felipe Soares of Texas Tech.
Breaunna Addison, a sophomore at Texas, is the automatic qualifier in women's singles from the Big 12. Other women's singles players from the conference who are headed to Georgia to compete in the NCAA Singles Championship are Kiah Generette and Jordaan Sanford from the Big 12 women's-champion Baylor squad,
Petra Niedermayerova od Kansas State will be making her fourth NCAA appearance in women's singles. Viktoryia Lushkova of Big 12 runner-up Oklahoma State and /Stefanie Tan of TCU also qualified for the NCAA Championship in singles.
Five men's doubles teams will be participating in the NCAAs later this month: doubles duos from TCU, Oklahoma, Baylor, Oklahoma State and Texas.
On the women's side in doubles, Baylor's No. 1 team of Victoria Kisialeva and Blair Shankle is the only doubles team that will be competing in the national championship tournament.
Tags: 2014 NCAA Tennis Championships Baylor Bears Oklahoma Sooners Oklahoma State Cowboys TCU Horned Frogs Texas Longhorns


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The Baltimore Ravens selected Timmy Jernigan with the 48th pick in the 2014 NFL Draft.
This pick gets a B. I think this is a good pick, but there are a ton of other needs I think the team should have addressed.
Jernigan can be REALLY good. If the Ravens think they can coach him up, he can be a very good player.
The Ravens should feel pretty confident as they approach the season. The free agency period was a strong one for Ozzie Newsome's team, and they have clearly bolstered their roster in the 2014 NFL Draft thus far. They'll have an interesting time trying to defend other young weapons around the AFC North, most notably Johnny Manziel, who was surprisingly drafted by the Cleveland Browns with the 22nd overall pick. The Pittsburgh Steelers and Cincinnati Bengals have gotten better too, but I think it's safe to say that the Ravens have taken over as favorites of the North due to the turnover all throughout the roster and coaching staff. Don't forget, former Texan Gary Kubiak is now the Ravens offensive coordinator.
As always, feel free to let us know your thoughts about this pick below in the comments section. Follow us on Twitter @NFLMocks for up to the minute updates on everything related to the NFL Draft. Stay tuned into the website as we cover every angle and every pick of this draft.


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HOBART | Attracting new businesses to North Wind Crossings might be somewhat easier, thanks to an ordinance amendment that clarifies what types of businesses can and cannot be added to the park.
The Hobart Plan Commission approved it Thursday night.
The old ordinance had more than 50 items, outlining types of businesses that were permitted in the light industrial park, which is east of Mississippi Street and south of 61st Avenue.
The new amendment lists in more general terms what is acceptable and outlines performance standards that potential businesses must meet.
"The list of uses was outdated, and we wanted to come up with something that was easier (for developers and city staff) to use," said Paul Thurston, a representative of North Wind Crossings. "This captures the flavor of what we want to do in a light industrial park."
The amendment permits business uses, including warehousing, distribution, assembly, and research and development. It also allows for laboratories and office space, as well as call centers and data centers.
Some uses that are not permitted within the light industrial park include auto body repair, a truck stop, meat processing, a salvage yard and fuel refining.
Performance standards are set for topics, including noise, odor, vibrations, toxic matter and air and water pollution.
City Planner Sergio Mendoza said the amendment will be helpful to city staff when discussing the development with potential businesses and help the city stay competitive.
"There have been some issues in the past in interpreting the list of permitted usage," he said.
The commission also gave a favorable recommendation to rezoning the entire 180-acre property as a Planned Unit Development. Portions of the property had been a Planned Unit Development, while others were zoned for manufacturing and residential use.
Under the new zoning, 20 acres previously zoned for residential use will remain undeveloped, to act as a buffer to the residential development to the north, and to be used for stormwater detention.
The recommended amendment and the recommended zoning changes to the property must also be approved by the City Council.