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ACE Reports Fourth Quarter Operating Income of $824 Million or $2.39 Per Share, Up 67%, P&C Net Premiums Written up 20% in Constant Dollars, and Operating Return on Equity of 12.1% Record Full-Year Operating Income of $3.2 Billion, up 23%; Combined Ratio of 89.3% and 88%, Respectively, for Quarter and Year *Record full-year operating and net income of $9.35 per share and $10.92 per share, respectively *P&C current accident year combined ratio for the year excluding catastrophe losses was 90%, resulting in P&C underwriting income up 111% *Book value up 4.7% for the year, or 11.1% excluding unrealized losses, with operating ROE of 12.2% *Full-year net investment income of over $2.1 billion, down 1.7% Business Wire ZURICH -- January 28, 2014 ACE Limited (NYSE: ACE) today reported net income for the quarter ended December31, 2013, of $2.90 per share, compared with $2.22 per share for the same quarter last year.^(1) Operating income was $2.39 per share, compared with $1.43 per share for the same quarter last year. ^ Book value and tangible book value per share increased 2.2% and 3.0%, respectively, from September30, 2013. Book value and tangible book value per share now stand at $84.83 and $68.93, respectively. Operating return on equity for the quarter was 12.1%. The property and casualty (P&C) combined ratio for the quarter was 89.3%. Fourth Quarter Summary (in millions, except per share amounts) (Unaudited) (Per Share - Diluted) 2013 2012 Change 2013 2012 Change Operating income, net of $ 824 $ 492 67.5 % $ 2.39 $ 1.43 67.1 % tax Net realized gains (losses), 174 273 (36.3)% 0.51 0.79 (35.4)% net of tax Net income $ 998 $ 765 30.5 % $ 2.90 $ 2.22 30.6 % For the year ended December31, 2013, net income was $10.92 per share, compared with $7.89 per share for 2012. Operating income was $9.35 per share, compared with $7.65 per share for 2012. Book value increased $1.3 billion, up 4.7% from December 31, 2012, and tangible book value increased $865 million, up 3.8%, and up 6.5% excluding acquisitions. The P&C combined ratio for the year ended December31, 2013, was 88.0%. Full Year Summary (in millions, except per share amounts) (Unaudited) (Per Share – Diluted) 2013 2012 Change 2013 2012 Change Operating $ income, net of $ 3,217 2,624 22.6% $ 9.35 $ 7.65 22.2% tax Net realized gains 541 82 NM 1.57 0.24 NM (losses), net of tax Net income $ 3,758 $ 38.9% $ 10.92 $ 7.89 38.4% 2,706 Evan G. Greenberg, Chairman and Chief Executive Officer of ACE Limited, commented: "ACE had an excellent fourth quarter and a record year. Both our quarterly and annual results were driven by very strong premium revenue growth globally and an exceptional underwriting performance. Put simply, we are growing while achieving good margins – it's about growth in areas where prices are attractive and securing improved terms including rate in areas where they're not. "Record full-year after-tax operating income was $3.2 billion or $9.35 per share, up 23%. At our core we are an underwriting company, and our P&C combined ratio for the year of 88% produced $1.8 billion of underwriting income, up over 110%. On a current accident year basis excluding catastrophe losses, which is an important way to assess the health of our underlying business, the P&C combined ratio was 90% for the year, almost three points better than 2012. Of course, like the rest of the industry, we benefited from light catastrophe losses during the year. In addition, we run our balance sheet prudently starting with our loss reserves, and as a consequence we also benefited from positive prior year reserve development. "Complementing the excellent underwriting results and a product of our strong cash flow was net investment income of $2.1 billion, which was down less than 2% for the year – a good result given the low interest rate environment. Our record earnings produced a strong operating ROE of over 12% while per share book value grew 5% for the year, or 11% if you exclude the unrealized losses from our investment portfolio as interest rates rose. "Excluding crop insurance, P&C net premiums written grew 11% last year on a constant-dollar basis. Premium growth in our commercial and specialty P&C businesses, in particular, continued to benefit from our underwriting portfolio management efforts as well as a favorable U.S. rate environment that has continued into the new year. We are off to a great start in January, and remembering we are in a risk business, I expect we will have a good year in 2014 as we continue to take advantage of the many growth opportunities we see around the globe including the U.S." Similar to the third quarter presentation and consistent with how management views the business, the results of the company's agriculture business, given its size and nature, are identified separately from the balance of the company's P&C business, which is called "global P&C." Global P&C includes the company's Insurance – North American P&C, Insurance – Overseas General and Global Reinsurance segments. Operating highlights for the quarter and full year ended December31, 2013, were as follows: ^(1) (in millions of 4Q 4Q % Full Full % U.S. dollars except Change Year Year Change for percentages) 2013 2012 2013 2012 P&C Net premiums $3,712 $3,140 18.2% $15,053 $14,096 6.8% written Net premiums written $3,098 19.8% $13,958 7.8% constant-dollar ^(2) Underwriting income $416 $(184) NM $1,772 $839 111.2% (loss) Combined ratio 89.3% 105.5% 88.0% 93.9% Current accident year combined ratio 91.5% 91.4% 90.0% 92.8% excluding catastrophe losses Global P&C (excludes Agriculture) Net premiums $3,456 $3,056 13.1% $13,426 $12,237 9.7% written Net premiums written $3,014 14.7% $12,099 11.0% constant-dollar Underwriting income $438 $(185) NM $1,683 $899 87.3% (loss) Combined ratio 87.4% 106.0% 87.1% 92.4% Current accident year combined ratio 89.9% 90.8% 89.4% 91.1% excluding catastrophe losses Agriculture Net premiums $256 $84 203.6% $1,627 $1,859 (12.5)% written Underwriting income $(22) $1 NM $89 $(60) NM (loss) Combined ratio 105.2% 99.5% 94.7% 103.2% ^(2) Excluding acquisitions, P&C net premiums written increased 15.5% for the quarter and 5.2% for the year on a constant-dollar basis. *The P&C expense ratio for the quarter was 28.0% compared with 30.0% last year. The global P&C expense ratio (excludes Agriculture) was 31.7% compared with 32.6% last year. For the year, the P&C expense ratio was 28.4% compared with 28.2% last year. The global P&C expense ratio (excludes Agriculture) for the year was 31.5% compared with 32.4% last year. *Total pre-tax and after-tax catastrophe losses including reinstatement premiums for the quarter were $36 million (1.0 percentage point of the combined ratio) and $31 million, respectively. Total pre-tax and after-tax catastrophe losses including reinstatement premiums last year were $511 million and $400 million, respectively. *Favorable prior period development pre-tax for the quarter, net of a $91 million charge for asbestos and environmental and other run-off businesses, was $122 million, representing 3.2 percentage points of the combined ratio, compared with $37 million last year. *Operating cash flow was $1.3 billion for the quarter and $4.0 billion for the year. *Net loss reserves increased $508 million for the year after adjusting for foreign exchange. *Net investment income for the quarter was $557 million compared with $567 million last year. The current quarterly investment income run rate is estimated at $540 million. Net investment income for the year was $2.1 billion, down 1.7% compared to last year. *Net realized and unrealized losses pre-tax totaled approximately $21 million for the quarter, which included net realized gains of $179 million and net unrealized losses of $200 million. Net realized gains from derivative accounting related to variable annuity reinsurance were $149 million and included a $92 million realized gain related to an out-of-period adjustment for an error in a market valuation model. *Operating return on equity was 12.1% for the quarter and 12.2% for the year. Return on equity computed using net income was 14.0% for the quarter and 13.3% for the year. *Book value per share increased 2.2% to $84.83 compared with $82.98 at September30, 2013, and increased 4.9% from $80.90 at December31, 2012. *Tangible book value per share increased 3.0% to $68.93 from $66.91 at September30, 2013, and increased 4.0% from $66.28 at December31, 2012. Tangible book value was negatively affected by goodwill and intangibles relating to the acquisitions of Fianzas Monterrey and ABA Seguros. Excluding the impact of the acquisitions, tangible book value per share increased 6.7% for the year. Details of financial results by business segment are available in the ACE Limited Financial Supplement. Key segment items for the quarter and full year ended December31, 2013, include: *Insurance – North American P&C: Net premiums written increased 11.8% for the quarter. The combined ratio was 86.2% compared with 114.3%. The current accident year combined ratio excluding catastrophe losses was 87.2% compared with 88.4%. For the year, the combined ratio was 86.9% compared with 94.8% last year. The current accident year combined ratio excluding catastrophe losses was 87.6% compared with 89.9% last year. *Insurance – North American Agriculture: Net premiums written increased 203.6% for the quarter primarily due to decreased premium cessions to the U.S. government as a result of the government's crop insurance profit and loss calculation formula when compared to last year. The combined ratio was 105.2% compared with 99.5%. The current quarter combined ratio was higher than expected primarily due to lower corn yields in a few states. For the year, the combined ratio was 94.7% compared with 103.2%. *Insurance – Overseas General: Net premiums written increased 15.1% for the quarter, or 18.2% on a constant-dollar basis. The combined ratio was 88.1% compared with 95.4%. The current accident year combined ratio excluding catastrophe losses was 91.6% compared with 92.5%. For the year, the combined ratio was 87.2% compared with 89.7% last year.The current accident year combined ratio excluding catastrophe losses was 90.5% compared with 92.2%. *Global Reinsurance: Net premiums written increased 5.5% for the quarter. The combined ratio was 68.4% compared with 101.7%. The current accident year combined ratio excluding catastrophe losses was 73.6% compared with 69.9%. For the year, the combined ratio was 65.9% compared with 77.5% last year. The current accident year combined ratio excluding catastrophe losses was 70.9% compared with 72.8%. *Life segment: Operating income was $86 million compared with $74 million for the fourth quarter of last year. Net premiums written and deposits collected, excluding life reinsurance, increased 3.0% on a constant-dollar basis. For the year, net premiums written and deposits collected, excluding life reinsurance, increased 10.8% on a constant-dollar basis. Please refer to the ACE Limited Financial Supplement, dated December 31, 2013, which is posted on the company's website in the Investor Information section, and access Financial Reports for more detailed information on individual segment performance, together with additional disclosure on reinsurance recoverable, loss reserves, investment portfolio and capital structure. ACE Limited will hold its fourth quarter earnings conference call on Wednesday, January 29, 2014, beginning at 8:30 a.m. Eastern. The earnings conference call will be available via live webcast at www.acegroup.com or by dialing 888-300-2318 (within the United States) or 719-325-2325 (international), passcode 6526575. Please refer to the ACE Group website in the Investor Information section under Calendar of Events for details. A replay of the call will be available until Wednesday, February 12, 2014, and the archived webcast will be available for approximately one month. To listen to the replay, please dial 888-203-1112 (in the United States) or 719-457-0820 (international), passcode 6526575. ACE Group is one of the world's largest multiline property and casualty insurers. With operations in 54 countries, ACE provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients. ACE Limited, the parent company of ACE Group, is listed on the New York Stock Exchange (NYSE: ACE) and is a component of the S&P 500 index. Additional information can be found at: www.acegroup.com. ^(1) All comparisons are with the same period last year unless specifically stated. Regulation G - Non-GAAP Financial Measures In presenting our results, we included and discussed certain non-GAAP measures. The below non-GAAP measures, which may be defined differently by other companies, are important for an understanding of our overall results of operations and financial condition. However, they should not be viewed as a substitute for measures determined in accordance with generally accepted accounting principles (GAAP). Operating income, P&C underwriting income, operating ROE, P&C combined ratio, and P&C combined ratio excluding catastrophe losses and prior period development (PPD) includes realized gains and losses associated with fair value changes on our crop derivatives. These derivatives were purchased to provide economic benefit, in a manner similar to reinsurance protection, in the event that a significant decline in commodity pricing will impact underwriting results. As such, we view changes in the fair value of these derivatives as part of the results of our operations and therefore realized gains and losses from these derivatives are reclassified to losses and loss expenses. Pre-tax losses from fair value changes in these derivatives were $1 million for the year ended December 31, 2013. Global P&C performance metrics comprise consolidated operating results (including corporate) and exclude the operating results of the company's Life and Insurance - North American Agriculture segments. We believe that these measures are useful and meaningful to investors as they are used by management to assess the company's global P&C operations which are the most economically similar. We exclude the Insurance - North American Agriculture and Life segments because the results of these businesses do not always correlate with the results of our global P&C operations. Operating income or income excluding net realized gains (losses), net of tax is a common performance measurement for insurance companies. We believe this presentation enhances the understanding of our results of operations by highlighting the underlying profitability of our insurance business. We exclude net realized gains (losses) and net realized gains (losses) included in other income (expense) related to partially-owned entities because the amount of these gains (losses) is heavily influenced by, and fluctuates in part according to, the availability of market opportunities. Underwriting income is calculated by subtracting losses and loss expenses, policy benefits, policy acquisition costs and administrative expenses from net premiums earned. We use underwriting income and operating ratios to monitor the results of our operations without the impact of certain factors, including net investment income, other income (expense), interest and income tax expense and net realized gains (losses). Current accident year underwriting income is underwriting income adjusted to exclude PPD. We believe it is useful to exclude PPD as these unexpected loss developments on historical reserves are not indicative of our current underwriting performance. Life underwriting income includes net investment income and gains (losses) from fair value changes in separate account assets that do not qualify for separate account reporting under GAAP. P&C underwriting income and consolidated underwriting income are also non-GAAP financial measures. We believe the use of these measures enhances the understanding of our results of operations by highlighting the underlying profitability of our insurance business. Operating return on equity (ROE) or ROE calculated using income excluding net realized gains (losses) is an annualized financial measure. The ROE numerator includes income adjusted to exclude net realized gains (losses), net of tax. The ROE denominator includes the average shareholders' equity for the period adjusted to exclude unrealized gains (losses) on investments, net of tax. To annualize a quarterly rate, multiply by four. Annualized ROE calculated using income excluding realized gains (losses) is a useful measure as it enhances the understanding of the return on shareholders' equity by highlighting the underlying profitability relative to shareholders' equity excluding the effect of unrealized gains and losses on our investments. P&C combined ratio excluding catastrophe losses and PPD or current accident year P&C combined ratio excluding catastrophe losses exclude impacts of catastrophe losses and PPD. We believe this measure provides a better evaluation of our core underwriting performance and enhances the understanding of the trends in our property & casualty business that may be obscured by these items. Net premiums written on a constant-dollar basis and P&C net premiums written on a constant-dollar basis are financial measures which exclude the impact of foreign exchange. We believe it is useful to evaluate the trends in net premiums written, exclusive of the effect of fluctuations in exchange rates between the U.S. dollar and the currencies in which our international business is transacted, as these exchange rates could fluctuate significantly between periods and distort the analysis of trends. The impact is determined by assuming constant foreign exchange rates between periods by translating prior period results using the same local currency exchange rates as the comparable current period. P&C net premiums written excluding acquisitions on a constant-dollar basis exclude the net premiums written of Fianzas Monterrey and ABA Seguros acquired in 2013 in order to adjust for the distortive effect of acquisitions. Life net premiums written and deposits collected, excluding life reinsurance, is adjusted to include deposits collected on universal life and investment contracts (life deposits) and exclude results from our life reinsurance business. Life deposits are properly not reflected as revenues in our consolidated statements of operations in accordance with GAAP. We include life deposits in presenting growth in our Life business because new life deposits are an important component of production and key to our efforts to grow our business. We exclude results associated with life reinsurance as there is no new life reinsurance business currently being written. Tangible book value per common share is shareholders' equity less goodwill and other intangible assets divided by the shares outstanding. We believe that goodwill and other intangible assets are not indicative of our underlying insurance results or trends and make book value comparisons to less acquisitive peer companies less meaningful. Tangible book value excluding acquisitions is shareholders' equity less goodwill and other intangible assets. However, the goodwill and other intangible assets related to the 2013 acquisitions of Fianzas Monterrey and ABA Seguros are added back in order to adjust for the distortive effect of acquisitions. Tangible book value per common share excluding acquisitions is tangible book value excluding acquisitions divided by the shares outstanding. See reconciliation of Non-GAAP Financial Measures on pages 21-22 in the Financial Supplement. These measures should not be viewed as a substitute for net income, return on equity, or effective tax rate determined in accordance with GAAP. NM - not meaningful comparison Cautionary Statement Regarding Forward-Looking Statements: Forward-looking statements made in this press release, such as those related to economic outlook and insurance market conditions, and company performance including 2014 performance and growth opportunities, reflect our current views with respect to future events and financial performance and are made pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. Such statements involve risks and uncertainties that could cause actual results to differ materially, including without limitation, the following: competition, pricing and policy term trends, the levels of new and renewal business achieved, the frequency of unpredictable catastrophic events, actual loss experience, uncertainties in the reserving or settlement process, integration activities and performance of acquired companies, new theories of liability, judicial, legislative, regulatory and other governmental developments, litigation tactics and developments, investigation developments and actual settlement terms, the amount and timing of reinsurance recoverable, credit developments among reinsurers, rating agency action, possible terrorism or the outbreak and effects of war, economic, political, regulatory, insurance and reinsurance business conditions, potential strategic opportunities including acquisitions and our ability to achieve and integrate them, as well as management's response to these factors, and other factors identified in our filings with the Securities and Exchange Commission.Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the dates on which they are made. We undertake no obligation to publicly update or revise any forward-looking statements, whether as a result of new information, future events or otherwise. ACE Limited Summary Consolidated Balance Sheets (in millions of U.S. dollars, except per share data) (Unaudited) December 31 December 31 2013 2012 Assets Investments $ 60,928 $ 60,264 Cash 579 615 Insurance and reinsurance balances receivable 5,026 4,147 Reinsurance recoverable on losses and loss 11,227 12,078 expenses Other assets 16,750 15,441 Total assets $ 94,510 $ 92,545 Liabilities Unpaid losses and loss expenses $ 37,443 $ 37,946 Unearned premiums 7,539 6,864 Other liabilities 20,703 20,204 Total liabilities 65,685 65,014 Shareholders' equity Total shareholders' equity 28,825 27,531 Total liabilities and shareholders' equity $ 94,510 $ 92,545 Book value per common share $ 84.83 $ 80.90 ACE Limited Summary Consolidated Financial Data (in millions of U.S. dollars, except share, per share data, and ratios) (Unaudited) Three Months Ended Year Ended December 31 December 31 2013 2012 2013 2012 Gross premiums written $ 5,462 $ 5,146 $ 22,828 $ 21,593 Net premiums written 4,216 3,657 17,025 16,075 Net premiums earned 4,363 3,848 16,613 15,677 Losses and loss expenses 2,517 2,683 9,348 9,653 Policy benefits 136 142 515 521 Policy acquisition costs 702 636 2,659 2,446 Administrative expenses 570 553 2,211 2,096 Underwriting income (loss) 438 (166 ) 1,880 961 Net investment income 557 567 2,144 2,181 Net realized gains (losses) 154 272 504 78 Interest expense 70 63 275 250 Other income (expense): Gains (losses) from 9 11 16 29 separate account assets Other (2 ) 9 (31 ) (23 ) Income tax expense (benefit) 88 (135 ) 480 270 Net income $ 998 $ 765 $ 3,758 $ 2,706 Diluted earnings per share: Operating income $ 2.39 $ 1.43 $ 9.35 $ 7.65 Net income $ 2.90 $ 2.22 $ 10.92 $ 7.89 Weighted average diluted 344.2 343.7 344.1 342.7 shares outstanding Loss and loss expense ratio 61.3 % 75.5 % 59.6 % 65.7 % Policy acquisition cost 15.6 % 16.2 % 15.7 % 15.3 % ratio Administrative expense ratio 12.4 % 13.8 % 12.7 % 12.9 % Combined ratio 89.3 % 105.5 % 88.0 % 93.9 % ACE Limited Consolidated Supplemental Segment Information (in millions of U.S. dollars) (Unaudited) Three Months Ended Year Ended December 31 December 31 2013 2012 2013 2012 Gross Premiums Written Insurance – North American $ 2,439 $ 2,236 $ 8,720 $ 8,120 P&C Insurance – North American 217 292 2,661 2,621 Agriculture Insurance – Overseas General 2,126 1,925 8,314 7,702 Global Reinsurance 154 149 1,057 1,070 Life 526 544 2,076 2,080 Total $ 5,462 $ 5,146 $ 22,828 $ 21,593 Net Premiums Written Insurance – North American $ 1,602 $ 1,434 $ 5,915 $ 5,349 P&C Insurance – North American 256 84 1,627 1,859 Agriculture Insurance – Overseas General 1,699 1,476 6,520 5,863 Global Reinsurance 155 146 991 1,025 Life 504 517 1,972 1,979 Total $ 4,216 $ 3,657 $ 17,025 $ 16,075 Net Premiums Earned Insurance – North American $ 1,511 $ 1,345 $ 5,721 $ 5,147 P&C Insurance – North American 426 263 1,678 1,872 Agriculture Insurance – Overseas General 1,700 1,497 6,333 5,740 Global Reinsurance 245 254 976 1,002 Life 481 489 1,905 1,916 Total $ 4,363 $ 3,848 $ 16,613 $ 15,677 Operating Income (loss) Insurance – North American $ 402 $ 171 $ 1,446 $ 1,100 P&C Insurance – North American (20 ) (1 ) 63 (38 ) Agriculture Insurance – Overseas General 279 246 1,094 994 Global Reinsurance 145 74 576 499 Life 86 74 307 324 Corporate (68 ) (72 ) (269 ) (255 ) Total $ 824 $ 492 $ 3,217 $ 2,624 Contact: ACE Limited Investor Contact: Helen M. Wilson, 441-299-9283 firstname.lastname@example.com or Media Contact: Arnella J. Forde, 212-703-7066 email@example.com
ACE Reports Fourth Quarter Operating Income of $824 Million or $2.39 Per Share, Up 67%, P&C Net Premiums Written up 20% in
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The Power of Independent Thinking
Love Gov: From First Date to Mandate
Recorded: Monday, July 6, 2015
Trailer |
Episode 1
Episode 2
Episode 3
Episode 4
Episode 5
Love Gov portrays the federal government as an overbearing boyfriend Scott Gov Govinsky who foists his "good intentions" on a hapless, idealistic college student, Alexis. Each episode follows Alexis's relationship with Gov as his intrusions wreak (comic) havoc on her life, professionally, financially, and socially. Alexis's loyal friend Libby tries to help her see Gov for what he really is a menace. But will Alexis come to her senses in time? Tune in to find out!
Episode 1: An Education in Debt
Episode 2: Protection from Jobs
Episode 3: A Remedy for Healthcare Choices
Episode 4: House Poor
Episode 5: Keeping a Close Eye on Privacy
Type: Independent Institute TVIssues: Banking and Finance, Business, Civil Liberties/ Human Rights, Corporate Welfare, Culture/ Society, Drugs (Illicit), Economic Policy, Education, Environment, Fiscal Policy/Debt, Freedom, Government Power, Government Secrecy, Government Waste/Pork, Health Care, Housing, Labor and Employment, Land Use, Political Ideology and Philosophy, Privacy, Privatization, Property Rights, Public Health/ Consumer Protection, Regulation and Deregulation, Taxes, Welfare, Womens Issues
Mary L.G. Theroux | Childhood Poverty, Government Failures, and the Need for Economic Liberty
Recorded: Thursday, March 26, 2015
Independent Institute Senior Vice President Mary L. G. Theroux testified on "Childhood Poverty, Government Failures, and the Need for Economic Liberty", before the California State Senate's Budget Subcommittee on Health and Human Services, at the request of State Senator Jeff Stone. The witnesses spoke about California's Maximum Family Grant rule for families on welfare. The rule caps grants and does not increase grant money to mothers on welfare when they have more children. Mary testified about the causes of poverty and of the need for other, non-government options for poor families. She introduced ideas for helping the poor through private resources and organizations, instead of government agencies where families and women often find themselves trapped in a cycle of poverty.
Experts: Mary L. G. TherouxType: TelevisionIssues: Bureaucracy and Government, Business, Civil Liberties/ Human Rights, Culture/ Society, Economic History and Development (U.S.), Education, Family, Health Care, Housing, Labor and Employment, Politics, Privatization, Public Health/ Consumer Protection, Regulation and Deregulation, Taxes, Welfare, Womens Issues
Mary L. G. Theroux on the Epic Life of Willard Garvey
Recorded: Sunday, November 17, 2013
Mary Theroux, Senior Vice President at the Independent Institute, is interviewed by Bob Weeks of WichitaLiberty TV. Mary reflects on the
accomplishments of her father's life as told in the book Willard Garvey: An Epic Life authored by Maura McEnaney.
Experts: Mary L. G. TherouxType: TelevisionIssues: Business, Culture/ Society, Free Market Economics, Housing
Maura McEnaney on Willard Garvey at Wichita Rotary Club
Recorded: Monday, October 28, 2013
Maura McEnaney, author of Willard Garvey: An Epic Life, speaks before the Rotary Club of Wichita on October 28, 2013, about her new book published by The Independent Institute's LibertyTree Press.
Experts: Maura McEnaneyType: TelevisionIssues: Business, Culture/ Society, Economic Policy, Entertainment, Family, Government Waste/Pork, Housing, Privatization, Trade
Vern McKinley: Why Not to Bail Out the Banks
Recorded: Wednesday, September 14, 2011
Research Fellow Vern McKinley discusses bank bailouts and his new book Financing Failure with the Wall Street Journal.
Experts: Vern P. McKinleyType: TelevisionIssues: Banking and Finance, Business, Economic History and Development (U.S.), Government Waste/Pork, Housing
Jeffrey A. Miron on Legalizing Drugs
Recorded: Friday, November 20, 2009
Originally aired on 11/20/09 on FoxBusiness.com Live. Jeffrey A. Miron, Research Fellow at the Independent Institute and author of Drug War Crimes, argues in favor of legalizing marijuana and other drugs in the U.S.
Experts: Jeffrey A. MironType: TelevisionIssues: Crime, Criminal Justice/ Prisons, Drugs (Illicit)
Alex Tabarrok on Fox News on the U.S. Housing Market
Recorded: Monday, March 24, 2008
Alex Tabarrok discusses changes in the U.S. housing market on Cavuto on Fox Business Network.
Experts: Alexander T. TabarrokType: TelevisionIssues: Banking and Finance, Housing
Drug War Crimes
Recorded: Thursday, May 6, 2004
Each year, the U.S. government spends over $30 billion on the drug war and arrests more than 1.5 million people on drug-related charges. Currently more than 318,000 people are behind bars in the U.S. for drug violationsmore than the number of people incarcer-ated for all crimes in the United Kingdom, France, Germany, Italy, and Spain combined. Have current drug laws deterred drug abuse and reduced crime? What are the real costs of this countrys war on drugs? Is there a link between the homicide rate and the amount of resources given to drug prohibition? Please join us as Boston University economist Jeffrey Miron (author of the major new book, Drug War Crimes) and former San Jose police chief, Joseph McNamara, examine these questions and explore real alternatives to Americas War on Drugs.
Jeffrey A. Miron
Boston University Professor of Economics and author of the new book, Drug War Crimes: The Consequences of Prohibition. His articles on Drug Policy have appeared in Social Research, Boston Globe and the London Observer. He received his Ph. D. in economics from the Massachusetts Institute of Technology.
Joseph D. McNamara
Research Fellow, Hoover Institution. Former Chief of Police, San Jose, CA and Kansas City, MO. He has published articles in the New York Times, the Los Angeles Times, the Wall Street Journal, the Washington Post, and other publications. He has been a commentator for NPR and has appeared on Meet the Press, Good Morning America, Sixty Minutes, and other programs.
Ethan A. Nadelmann
Founder and Executive Director of the Drug Policy Alliance, the leading organization in the United States promoting alternatives to the War on Drugs. Dr. Nadelmann received his Ph.D. and J.D. from Harvard University and a Masters degree in International Relations from the London School of Economics. His speaking and writings on drug policy have attracted international attention and appeared in Science, American Heritage, National Review, and others.
Experts: Joseph D. McNamara, Jeffrey A. Miron, Ethan A. NadelmannType: Independent Institute EventIssues: Crime, Criminal Justice/ Prisons, Drugs (Illicit), Government Waste/Pork, Law Enforcement

subset: commoncrawl


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Jimmie Johnson Surges To Another NASCAR Sprint Cup Win In Texas
Jimmie Johnson passed Kevin Harvick and Jamie McMurray on the same lap, and hung on to win the Duck Commander 500 at Texas Motor Speedway on Saturday night.
Jimmie Johnson passed Kevin Harvick and Jamie McMurray on the same lap, and hung on to win the Duck Commander 500 at Texas Motor Speedway on Saturday night.
Luke Bryan doesn't just like NASCAR -- he loves it. That's why it's so exciting that the country star took his high-octane tunes and performed at Daytona 500 for the pre-race concert on Sunday (Feb. 23) in Daytona Beach, Fla.
Tim McGraw would love 'two lanes of freedom' to push the pedal to the metal and live out his NASCAR dreams. He recently admitted that not only does he love watching the stock car racing event, he would also like to do a movie about it, so he can experience flying around the track.
Justin Moore will once again support Crown Royal's 'Your Hero's Name Here' contest, where of-age fans can submit nominees who fit the "local hero" bill. The winner will have a NASCAR race named after them.
Country stars like Reba McEntire and Rodney Atkins are leading NASCAR fans in prayer this evening after a horrific accident at the end of Saturday's (Feb. 23) race at Daytona which left over two dozen fans injured. One adult is in surgery with a life-threatening head injury, while a 14-year-old is in critical condition.
Taylor Swift's marketing plan for her album 'Red' has included pizza boxes and commercials for Target, but now, the singer will help get fans revved up at the Hollywood Casino 400 of the NASCAR Sprint Cup series on Sunday (Oct. 21).
In a desperate situation where a man is faced with the decision to either seek out immediate medical attention or watch his pregnant girlfriend give birth in the backseat of his car, the only available option is to -- you guessed it -- pull into a NASCAR Speedway.
The NASCAR Nationwide Series is often considered a transition phase for those migrating toward Sprint Cup competition. Elliott Sadler, however, considers his full-time Nationwide ride a step forward in his racing career, as the Emporia, Va., native is riding a wave of momentum into Friday's O'Reilly Auto Parts 300 at Texas Motor Speedway.
Kurt Busch and Penske Racing recently parted ways and from what everyone is saying they actually fired him. It's not proven but come on, look at the season this guy had...
Nascar and country music go together like cake and ice cream. That's why, for quite some time now, KIXS 108 has brought you "Texas Motor Speedway's Total Access" on Saturdays at 9am.
I bet this guy sure loves Nascar! Talk about taking your love for a brand to the extreme! I like this guy though. Obviously it's a work truck, (I hope) and he did some engineering to make a point that he loves Chevrolet...


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Vibrant accessories are an easy way to update a fall look moving forward into spring and this gorgeous Chloé cuff also makes an excellent gift idea. Shown here with a Chloé bag, dress and shoes. Bangle circumference measures approximately 20 cms / 8 inches.
Multicolored enamel abstract floral cuff. Chloé cuff has a red white and blue paint splash design on front and a designer emblem embossed on side.
Product code: 30486 - Need help? Contact us


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Boys & Girls Clubs ask Fillmore to lower rent
The Fillmore City Council tonight will consider a request by the financially troubled Boys & Girls Clubs of Santa Clara Valley to reduce the rent for the nonprofit group's First Street clubhouse from $1,000 a month to $1 a year.
Sheila Tate, hired last month as the organization's new interim CEO with the task of turning its finances around, made the request at the council's Dec. 8 meeting.
"Ninety-nine percent of all Boys & Girls Clubs across America only pay $1 per year for their facilities," she said.
The city, which owns the building that houses the clubhouse at 565 First St., entered into a 10-year, $1,000-a-month lease with the group in August 2000.
In an analysis prepared for the council, Deputy City Manager Bill Bartels said that if the rent-reduction request is granted, the city's recreation department enterprise fund surplus would be halved, from an expected $24,034 to $11,034.
Bartels said the club had always paid its rent on time but has yet to pay for December or January, apparently because of "financial hardship." He said city staff members surveyed Boys & Girls Clubs throughout the county to better understand their rent agreements.
"While there is some variety there is a standard agreement whereby the club owns the building and leases the land from the entity that owns the land," Bartels wrote. "Typically, this lease is in the amount of $1 a year."
Bartels noted in an interview, however, that the group does not own the building at 565 First St.
Tate succeeded CEO Doug Caldwell, who was placed on administrative leave by the group's board after sending a letter Nov. 24 to parents announcing that five clubhouses in Santa Paula and Fillmore were closing effective Nov. 25, the day before Thanksgiving.
Board Vice President Patty Harrison said the letter was sent without the board's approval or knowledge. When the board learned of the letter, it reversed the decision, Harrison said.
The council meets at 6:30 p.m. today at City Hall, 250 Central Ave.
Subscribe to the Ventura County Star
Need Help? Call us at 1-877-710-6182.
Monday-Friday: 6am-3pm / Saturday: 6:30am-10:30am / Sunday: 7am-11am


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Getting Started: If you are new to the registration process or have not used Self Sevice, please visit the How to Register Online Tutorial before you Login to Self Service.
Related Content: The links in the menu contain information for completing the registration process. For example you can find out course availability, the Registration Start Date page for your registration, Payment deadlines, Academic Calendars and other pertinent information.
Important Notes: In the Self Service module you can review your personal information, update your emergency information, check your student account holds, check financial aid awards, your student status level for registration, course availability, register for a upcomming semester, check your tuition statement, view your student records and print unofficial transcripts.
2015 Registration Procedures:
Fall Readmit Online Registration - July 10th and August 3rd through August 28th
Spring/Summer Fall Registration- July 6th through July 10th and August 3rd through August 28th
Fall Continuing Student Late Online Registration (BFA / MFA) August 3rd through August 28th


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All of my long exposures are 10 minutes to 3 hours long. So when you say "shutter speed" you're thinking of speeds like 1/8 second instead of 1/2 second? In that case yes it's faster simply because it's 2 stops faster speed film (well that's debatable, it seems to me to be more like EI 200, but that's a whole can of works I don't want to get into). But is that what you mean?
Sent w/ iPhone using Tapatalk


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Ordering for a Team?
Let our Team Division Help!
Item has a Minimum Qty
Keep your board safe and protected in the Shuttle Bag.
Seems okay so far - trip from In to FL - hit rain storm - some in the bag
Would have liked to have more padding - however, did the job on trip From IN to FL -Hit a rain storm - did not keep all the water out.Fine for the money - 6.5' board well in 6.5' bag - also purchased 7' bag - used it to transport other items on top of van with the surf board.
Fit: Feels true to size
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Dakine is a Hawaiian slang or Pidgin term that can be used to indicate just about anything, but it has come to be associated with items of high quality, and this is the meaning that best suits the name of Dakine™ water sportswear. Dakine rashguards, Dakine surf hats and a number of different Dakine bags are just a small portion of all that Dakine has to offer.
Dakine was born in Hawaii in 1979 when Rob Kaplan manufactured the first Dakine surfboard leash, a surf leash built to withstand even the most brutal Hawaiian surfing conditions. The Dakine surfing leash set the standard for Dakine's innovative and high quality products. Specific to surfing, they carry Dakine Traction pads, Dakine surf bags, Dakine surf hats, and Dakine rashguards. For Stand Up Paddle boarding (SUP) they have a Dakine SUP paddle bag, Dakine SUP paddle sock, Dakine waterproof duffel bag and a Dakine hydration pack.
Dakine offers a wide variety of durable, fashionable, and eye-catching surf style bags for the extreme athlete at reasonable prices.If you are looking for a Dakine wallet, Dakine backpack, Dakine duffle bag, Dakine travel bag, Dakine hip pack or even a Dakine skim board bag, you are in luck. If you're an extreme athlete who demands quality and style, Dakine has your back.


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J-pin Summer Wallpaper by AsgrimsonWatch
©2014-2015 Asgrimson
J-pin Summer Wallpaper
Free Wallpaper- 1600x 900.
Free Wallpaper- 1600x 900.
After a very long time do I finally come out with a new image.
This time in a summer style pinup.
It's been hectic with the painting when I'm working on a big project for an Metal bands album art. So I'm glad I managed to paint this with a packed schedule.
So I am pleased to let you readers get to download a free summer wallpaper from J-pin.
I where also so happy with the result that it is now also possible to order this art printfrom: society6.com/jimmy_moberg_desi…
following products that you can see below can also be ordered from my Society6 page.
I hope you liked the free Wallpaper and possibly even order any of the products
J-pin Blogger
J-pin Facebook
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J-pin Blogger
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J-pin tumblr


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Sherlyn Chopra
Bollywood film actress and model Sherlyn Chopra, , along with a... NachrichtenfotoBollywood,Film,Filmindustrie,Horizontal,Indien,Kleidung,Kondom,Lesen,Mumbai,Organisierte Gruppe,PETA,Porträt,Schauspielerin,Sherlyn Chopra,Umweltthemen,Vertikal,WachsamkeitPhotographer INDRANIL MUKHERJEECollection: AFP 2013 AFPBollywood film actress and model Sherlyn Chopra, (L), along with a member of People for the Ethical Treatment of Animals (PETA) India dressed as a giant condom and holding signs that read 'Sterilise Dogs – They Can't Use Condoms!', poses during an awareness campaign in Mumbai on February 19, 2013. Chopra handed out leaflets encouraging people to get their dog and cat companions sterilised and raise awareness about animal birth control. AFP PHOTO/Indranil MUKHERJEE (Photo credit should read INDRANIL MUKHERJEE/AFP/Getty Images)


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Day of Intercession Encourages Campus Prayer
By Amanda Morad | November 11, 2011
Students pray for the nations.
As part of Regent University's Global Week of Worship, Thursday, Nov. 10, was set aside as a day of fasting and prayer. The Day of Intercession provided a means for students, faculty and staff to gather in prayer on a variety of subjects and in a variety of places.
The day began with a prayer walk around campus, led by Campus Ministries Discipleship Coordinator Jason Peaks. Students walked and prayed at every building on campus and for every floor of residents at the Regent Commons housing complex.
Following the prayer walk, the Library Atrium opened with a large floor map of the world on which students were permitted to stand to touch the image of the nation they were praying for. Dr. Clifton Clarke, associate professor in the School of Divinity, kicked off the international prayer time.
The Moot Courtroom was also open for prayer and worship. Members of the Regent community were able to visit the room and pray from 8 a.m. to noon.
"By starting the day out with prayer on campus at 7 a.m., I can tell that there is a lightness that filled Robertson Hall, particularly the Moot Courtroom," said Peaks. "This lightness can only be explained as the joys of constant, unceasing communion with God on campus."
At noon, students, staff and faculty gathered for a time of directed prayer and intercession in conjunction with the School of Law's weekly chapel service. During the service, several members of the School of Law community, including Professor James Boland and Law Chaplain Eric Lancing, offered up prayers for the global economic crisis, worldwide spiritual revival and for the preservation of the Church's mission in the world.
Dr. Gary Roberts, dean of the Robertson School of Government, prayed for church unity that "requires us to be authentically connected to the Body [of Christ]." Campus Ministries prayer intern Amy Pape prayed for global justice in the areas of human trafficking, abortion and abuse.
Dr. Richard Kidd, director of Campus Ministries, closed out the time of prayer as he encouraged those in attendance to "love your neighbor as yourself," for "the law is fulfilled with these words."
Throughout the afternoon, several prayer workshops were held in the Library Auditorium, each featuring a different type of prayer.
Dr. Mara Crabtree, associate professor in the School of Divinity, presented a workshop on prayer from a theological standpoint. School of Divinity Chaplain Nina Anderson then hosted a workshop on intercessory prayer.
The student organization Christ for India extended their weekly prayer gathering with a workshop on praying for the nations. Student life group leader Samantha Van Saun led a soaking prayer workshop in which participants focused on receiving from the Lord through prayer, reflection and meditation on Scripture.
Students led worship and prayer throughout the evening in Screening Room A leading up to the Global Day of Worship kickoff at midnight.
Learn more about Regent's Global Week of Worship.
Mindy Hughes, Public Relations
Phone: 757.352.4095 Fax: 757.352.4888
E-mail: email@example.com
Latest News
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By Brennan Smith | October 1, 2015
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by Veronica Cook | October 1, 2015
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October 1, 2015
Winning World Championships While Earning her Master's
October 1, 2015
Rise and Grind! A Shark Visits Regent University's Executive Leadership Series
By Brett Wilson Tubbs | September 29, 2015


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From The G-Man
By Gary Toms
Hey people! When I look back to when I was just a little G-man, I realize that women have played a significant role in my life. No I'm not talking about girlfriends I may have had during the course of my life. Although, I can think of one or two that deserve, shall we say, an "honorable mention". I'm referring to women who took a young boy and gave him all the essentials necessary to evolve into an extremely unique man.
It should not come as a surprise to know that the first woman to impact my life was my mother. I have told many of you, through a number of articles, how she stood alone and raised four children. I see how many single mothers struggle today with just one or two kids, and I truly have come to understand just how difficult it was for her. She's got one hell of a fighting spirit. That's probably where I get it from. A simple thank you will never be enough to convey the level of gratitude, and love, that I feel for her. God bless you mom.
In my high school years, at Far Rockaway High School, I had the great fortune of being introduced to certain works of literature that catapulted me into new areas of thinking. Books like "Nightshift", by Elie Wiesel, showed me how vicious man can be; as illustrated in the Holocaust. Authors like Richard Wright, and the great James Baldwin, made me understand what it is to be African-American in this society from works such as "Native Son" and "The Fire Next Time". I want it to be known that I truly appreciated having two phenomenal women, my English teachers, in my life. It is because of them that I am enjoying a level of success as a writer. Mrs. Barbara Simon and Mrs. Susan Bernstein, I love you, and I thank you.
My college years blessed me with professors like June Bob, Ruth Siegel, Diana Chin, Joan Nestle and Anne Okongwu. They were brilliant women who sculpted my mind, and they made me want to reach for the highest star. I learned that anything is possible, if you dare to dream. They all referred to themselves as supreme bitches when it came to education, and they were proud of it. I take great pride in saying that I've never known a finer group of "bitches" in my life! Ladies, I acknowledge your greatness, and I thank you as well.
In the years that followed, women continued to educate me, but the lessons extended far beyond the classroom. Hey, get your minds out of the gutter! Through various relationships, I was now learning how to understand the "essence" of a woman. The things that make her who and what she is. What makes her laugh, smile and cry? What is pleasing to her in the physical sense? What makes her angry? Could I learn this from a man? Probably, but no one understands a woman better….than a woman. By the way guys, if you're the type that thinks you have them all figured out, I've got a nice, shiny "Jacky" award for you! Don't ever underestimate them or take them for granted.
I cannot express how much I appreciate having these women in my life. I have graduated to the point where I can do things like cook, sew, dress for success, choose a good wine, show compassion, recognize great literature, kiss with passion instead of lust, be polite and allow myself to evolve in the spiritual sense. I have so much more to learn, and I know that women will continue to play a very important part in my growth. Having men to help guide me is, and has always been, important, but having the guidance of a woman is essential. The statement is true indeed. "Behind every great man, there's a great woman." Personally, the G-man prefers beside instead of behind. All of the real men out there know exactly what I'm talking about.
A rose to all the ladies, and I'll see you next week! Feel free to contact me at email@example.com.


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No wedding party is complete without a darling flower girl, and we can help you find a darling dress without breaking the bank! Our large selection of cheap flower girl dresses has something for everyone, whether you need a princess-style, formal gown for a church wedding, or a more casual flower girl dress for a low-key outdoor or destination wedding.
Flower girls come in all ages, shapes and sizes. We have a variety of toddler flower girl dresses, little girls flower girl dresses and big girls flower girl dresses in many beautiful colors and styles to fit your wedding theme. And don't forget the flower girl accessories! We have silk sashes, floral hair bows and the cutest flower girl shoes ever that add the perfect finishing touch. The bride is going to love how gorgeous her flower girl looks!
Cute Baby Girl's Clothes | Sophia's Style
When shopping for baby girls clothes, consider not just dresses, but try searching for cute sleepwear or outfits and sets which make excellent shower gifts. Although baby girl clothing is so fun to shop for, it doesn't end there! We have tons of girls clothing for baby's big sister, too. No matter what the season, no matter what the occasion, we will help you dress your girls in the most up-to-date styles of girls clothes. We know you want to share your love of fashion with your kids. And so do we!
Girls Christmas Dresses | Sophia's Style
We search all over for trendy, fashion-forward designs that we can offer at affordable prices. Our inventory changes all the time, but one thing that doesn't change is the wonderful quality and beautiful styles of girls holiday dresses at Sophia's Style. Merry shopping to you!
Girls Hair Accesories | Sophia's Style
|Wee Ones Pink Seahorse Sequined Barette
I am sure that you and your girls are enjoying your summer vacation. But mid-summer boredom has probably set in. Why not brighten up her summer wardrobe with some girls hair accessories? If you are looking for fun and trendy hair accessories for girls, maybe something to wear to that neighborhood cook out, family reunion or late summer wedding, we have an awesome supply of hair bows, barrettes, ponytail holders and headbands!
In addition to the current season's hair accessories in the shapes of flowers, fishes and even an orange octopus, we have a rainbow of colors and shapes that make the perfect finishing touch to your little girl's outfit. And don't forget to look here for the most adorable baby girl hair accessories for your trendy baby's tresses. We have hats, hair clippies, bows and hairbands with fun accents like animal print trim, marabou and rhinestones. Happy shopping!
Birthday Dresses I Sophia's Style
When I saw this cute birthday dress with an attached sheer overlay skirt, I could not believe how pretty it was! And how perfect for a little Birthday Princess? Add a boutique birthday hat or tiara and she will light up the whole party.
There are so many different options for the Birthday Girl these days. To dress her up in a festive, party fashion, we have not only fanciful girls birthday dresses, but also T shirts, tops and complete birthday outfits!
Don't forget that there are darling birthday accessories available like elegant birthday hats with feather trim, sparkling crowns, tiaras, fluffy tutus and even special boutique birthday hair bows for your little princess!
For the most important day of all, baby's first birthday, we have fun things like colorful socks, flashy headbands and bright bibs in addition to beautiful first birthday dresses for toddlers. So, have fun picking out that 1st birthday party dress, but don't forget my number one rule with girls birthday accessories: the more the merrier!
Bonnie Jean Dresses I Sophia's Style
Choose Bonnie Jean girls dresses for the baby, toddler and little girl in your life. Because thanks to Sophia's Style, good taste and affordable style are available no matter where you are.
Girls Costumes | Sophia's Style
Christmas Dresses | Sophia's Style
Girls Special Occasion Dresses I Sophia's Style
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Watch Movies Online
Did You Know...
10StarMovies.com has the largest database to Watch Movies Online completely free? you can watch movies and even documentaries by streaming video files online.
- Related Documentaries
- 13 Masonic Secrets
- Death Valley (1950)
- Won't Let the Angels Take You Away
- Ancient Chinese Inventions
- Get Yer Ya Ya's Out
- I Know That Voice
- Derren Brown: Apocalypse
- The Coveted East Indies, (Part II) (1938)
- Nightmare Factory
- Mystery of a Masterpiece
- Inside Polygamy: Life in Bountiful
- Architecture -09- Santiago Calatrava - Satolas-tgv
- National Geographic Taboo - Narcotics
- Generation Tehran
- Beef
Watch Sex With Strangers Online
Release:February 22, 2002
RunTime:1 hr 45 min
IMDB Rating:4.7/10 (224 votes)
Description: Watch Sex With Strangers full movie online for free directed by Harry Gantz produced in 2002. Genres are Art-Culture.
Fatal error: Allowed memory size of 33554432 bytes exhausted (tried to allocate 13404021 bytes) in /home/star10/public_html/cache-credits/Sex_With_Strangers_2002.php on line 1


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RawTherapee Processing RAW files with RawTherapeeSep 30, 2008
RAW format images offer more options for editing than JPEG formats – RawTherapee brings this potential to Linux.more »
Browser Clone: Iron Instead of ChromeSep 26, 2008
A new product, Iron, is a viable alternative for those reluctant to reveal their personal data when using Google's Chrome browser. The Iron browser is based on Chrome's source code.more »
Breakthrough: Open Source Firm Official Supplier to British SchoolsSep 26, 2008
The British Educational Communications and Technology Agency (Becta), the government body with the mission of "Leading next generation learning," has for the first time included Open Source enterprises on their list of official software and IT service suppliers for the nation's schools.more »
Enhancements to VoIP Software Ekiga 3.0Sep 25, 2008
Ekiga, formerly known as GnomeMeeting, is an open source VoIP application with video support. The Ekiga project has recently incorporated major enhancements into its version 3.0 software.more »
Eee-Box: Mini Desktop Doubles RAM in its Linux VersionSep 23, 2008
Eee manufacturer Asus has expanded its sub-notebook series with a desktop version. The Eee Box with the Intel Atom processor is available in Linux and Windows XP.more »
Groupware Zarafa goes Open SourceSep 19, 2008
The Dutch company Zarafa turns its groupware of the same name to open source.more »
Energy Efficient eBook-Reader Runs on LinuxSep 18, 2008
The Hanlin eReader V3 from Tianjin Jinke Electronics out of China claims to provide a month of use between battery charges. By then 10,000 pages of reading should have been possible – provided you have the requisite time and patience.more »
Mozilla Resolves EULA DisputeSep 18, 2008
The dispute over the display of the EULA in the new Firefox has been settled.more »
Issue 180/2015
Buy this issue as a PDF
Dyreza Malware is Back
Powerful man-in-the-middle attack is now targeting online shopping.
Kernel Developer Matthew Garrett Forks the Linux Kernel
Another high-profile coder says the kernel team needs a kinder, gentler culture.
Bugzilla Bug
Bug database has a bug of its own that could allow an intruder to create an unauthorized account.
US Launches New Strategy for Broadband Access
Report focuses federal resources on achieving universal Internet access.
RC4 Finally Gets the Fork
Leading browser makers say "no" to porous encryption algorithm
IBM Says TOR Network a Vehicle for Ransomware
Report from the X-Force group says attackers are using TOR to hide their crimes
Mozilla Announces new Firefox API
Future Firefox extensions will be compatible with Chrome.
Weird Security Flaw Affected Intel Chips for 16 Years
Better read this if you bought your computer before 2011
OpenSSH 7.0 Secure Shell Arrives
Users should upgrade to the new version as soon as possible
Qemu Flaw Lets the Guest Escape
Xen project announces a privilege escalation problem for Qemu host systems


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The Walking Dead
View Single Post
July 31 2013, 04:14 PM
Fleet Admiral
Location: Atlanta, Georgia
Re: The Walking Dead
Borgminister wrote:
insane? Probably means insan
Hide the breasts, break out the Kevlar bottle nipples!
Yea the show is insane already. How they do this will be interesting.
Speaking of zombies - math professors are now using the zombie plague as a way to stimulate students to solve math equations:
This equation could spell your doom: (bN)(S/N)Z = bSZ. That is, if you ever found yourself in the midst of a zombie pandemic.
That's because the calculation describes the rate of zombie transmission, from one walking dead individual to many, according to its creators, Robert J. Smith?, a mathematics professor at the University of Ottawa who spells his name with a "?" at the end, and his students. Smith's work has inspired other researchers to create zombie mathematical models, which will be published with Smith's work in the upcoming book, "Mathematical Modeling of Zombies" (University of Ottawa Press, 2014).
Though of course done tongue-in-cheek, Smith's study demonstrates why zombies are the viruses of the monster world. Their likeness to viruses makes the creatures ideal subjects for theoretical epidemiological analyses, which can be used to capture the public's imagination as well as explore scientific principles, Smith said. [
Zombie Facts: Real and Imagined (Infographic)
As for a zombie apocalypse, Smith's model shows that a zombie infection would spread quickly (with N representing total population, S the number of susceptible people, Z the zombies, and b the likelihood of transmission). It also shows that
zombies would overtake the world
— there's no chance for a "stable equilibrium" in which humans could coexist with the undead or eradicate the disease.
Only coordinated attacks against the zombies would save humanity, the model shows.
Last edited by DarthTom; July 31 2013 at
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LAS CRUCES >> Police have arrested a Las Cruces man for auto burglary on Wednesday night.
Sergio Galvan, 20, of the 1500 block of West Picacho Avenue, is charged with two counts of auto burglary, two counts of conspiracy and two counts of larceny, according to a Las Cruces Police Department news release.
Shortly after 11:30 p.m. on Wednesday, police responded to a report of an auto burglary in progress on the 2100 block of Rosedale Drive.
Officers learned that the vehicle's owner was inside his residence when he heard dogs barking. He looked outside and saw a man crouched down near his vehicle.
The man exited his residence to confront the suspect who, along with another young man, took off running down the street.
Police located one of the suspects, Galvan, a short while later. The second suspect is still outstanding though charges against him are pending.
Detectives learned that Galvan and a friend broke into several unlocked vehicles in the area of Carlyle Drive and Rosedale Drive. Officers located some of the stolen property along a nearby ditch bank.
Galvan was arrested and booked into the Dona Ana County Detention Center. It was also determined that he violated terms of his probation so he is being held without bond.


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I do only portraits and retouch the negative first and then the print. The dye retouching is far more extensive than just spotting. If there is a lot to do I often do it before I mount the print because you can wash it off if you screw up.
More often than not though, I do it after the print is mounted because it is easier to work with a flat drymounted print.
I've never seen a color change from the heat of the press.
The dyes I use are Veronica Cass.www.veronicacass.com
Michael McBlane


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You are using an outdated browser. Please upgrade your browser to improve your ReverbNation experience.
West Hollywood, CA
Thursday, April 25th, 2013 at 9:00pm
21+ or w/ adult
Dave Schulz - English Beat, Berlin, Glenn Hughes, Goo Goo Dolls
Yogi Lonich - Wallflowers, Buckcherry, Chris Cornell
Joey Heredia - Stevie Wonder, Sheila E., Tower of Power
Tyra Juliette - Puddle of Mudd, Kid Rock
Louis Van Taylor - Gap Band, Cameo, Kool and the Gang
Willie Chambers - Chambers Brothers
Jeff Lewis - The Jacksons, Jackson 5
Daniel Pearson - Coolio, J-Lo, Ivan Neville
Carol Hatchett - Babyface, Bette Midler
Prescott Niles - The Knack
Jake Hayden - Missing Persons
*Special guests every show!!
SHAKE YO AZZ to an 8-PIECE POWERHOUSE BAND layin' down the NASTIEST Funk, Rock, and Soul Jams...
*Also featuring: DJ Eric Ill (before and after the band)
*Dinner and Bottle Service available!
Download Funky Flyer HERE:
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Top iOS news of the week: Class action trial, patent protection, shifted selfies
The week in iOS: Apple hit with $350 million suit over iPod, patent grant to protect dropped phones, and shifted selfie camera.
The week in iOS: Apple hit with $350 million suit over iPod, patent grant to protect dropped phones, and shifted selfie camera.
Samsung believes that "good cause exists" to add three more Apple devices to the original infringement claim because they were not yet released back when the original filings were made in June 2012.
AppleInsider's discovery of the 2009 patent application for the iPod nano reveals a camera, touchscreen, mic and even games.
Another day, another round of patent lawsuits. This time, it's Nokia (again) suing Apple (again) over infringements related to the iPhone, iPod Touch and iPad (again).
The company has filed for a stay in the verdict after a Texan court ruled that it had infringed on three patents held by another firm
The US International Trade Commission has agreed that Elan's patent claims on the iPad, iPhone, iPod Touch, MacBook and Magic Mouse warrant following up
The US International Trade Commission will investigate claims made by Motorola against RIM, by Kodak against RIM and Apple, and by Apple against Nokia
Tinkerers, hackers and modders listen up: First it was water, then cigarette smoke, now Apple's threatening to void your warranty if you open the case.
A patent application filed by Apple in February 2008 for multi-touch display screen with localized tactile feedback indicates that the company is researching haptic feedback for possible inclusion in the iPhone and iPod touch.
A patent application uncovered by The Register seem to indicate that Apple is interested in making batteries user-replaceable.Beginning with the iPod, Apple has increasingly sealed its batteries inside its mobile devices.
Right at the end of 2008, Michael Arrington posted some info from his sources on a rumored large form Apple iPod touch/table for sometime in 2009. There is now some information available on an Apple patent for a large display device. Even with these pieces of information and hopes of the Apple faithful, I am highly skeptical of Apple ever releasing an Apple tablet/large display iPod. The iPod touch is already priced at $299 and $399 and the original iPhone (unsubsidized) was priced at US$599 so an Apple tablet would easily be priced at $700+ I am sure. In today's economy that is an unreasonable figure when small form notebooks with actual keyboards can be used to do the same thing for $300.
In what could be a game changer for the smartphone industry, Apple was awarded a patent for its multi-touch interface for the iPhone and iPod touch.Patent number 7,479,949 was filed on 11 April 2008 and was approved on January 20, 2009 and covers multi-touch and all associated gestures such as pinch, swipe and rotation.
Happy Friday! Let's take a look at some of the latest Apple rumors floating around.
Technology described in a newly published Apple Patent application appears to describe the wireless transfer of metadata about music files played or stored on desktop or notebook computers to a portable music player such as an iPod or an iPhone.That's at least the way the Patent application entitled Portable media player as a low power remote control and method thereof sounds to me.
A new release of Apple patent filings dealing with Wi-Fi, wide-screen displays and touchscreen controls indicates new features in the next generation iPod could look similar to the iPhone.This week, several new patents filed by Apple were released on the United States Patent and Trademark Office (USPTO) Web site.
A newly published Apple Patent Application provides technology that could enhance the frames of a video fast forwarded on an iPhone or iPod.The goal, presumably, would be to facilitate viewer decisions on whether or not to play the video at normal speed based on the content in these sample frames.
Details have emerged of a United States Patent and Trademark Office filing that Apple made on the January 5th, 2007 for an innovative idea where an iPod (or perhaps an iPhone) has a full-sized LCD screen on one side and another, similarly sized force-sensitive touchpad on the rear of the device.
Well, we're almost to #1.Checking our server logs for 2006, we find that our second-most read post on this blog in 2006 has been iPod podcast menus, navigation depicted in new Apple patent app.
Yesterday I posted a note about Apple's United States Patent Application #20060268528 for a "handheld computing device includes an enclosure having structural walls formed from a ceramic material that is radio-transparent." The details of the patent are extremely revealing about where Apple is headed with the future of iPod and iPhone - if you read between the lines a little bit...
On November 30, 2006 Apple filed what appears to be a patent for the iPhone, a mobile phone/iPod hybrid that has been rumored to be in development for over three years.
For privacy and security, change these iOS 9 settings immediately
Four hours in Apple Store hell: What iPhone Upgrade customers need to know


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Heel measures approximately 105mm/ 4 inches. Crafted with delicate buckled straps and finished by hand, Gianvito Rossi's pointed black leather ankle boots are endlessly elegant. The cutout sides have a super flattering effect.
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BEN BOVA: April 3, 2011 ... How making fuel from grain led to revolution in Middle East
The law of unintended consequences tells us that, in Yogi Berra's words, "It ain't over till it's over."
We might do certain things to achieve certain goals, but often our actions bring about other results, results that we had neither wanted nor foreseen.
For example, take the idea of making ethanol from corn and other food crops. The motivation was to use our abundant farm crops to produce ethanol fuel for our automobiles and other transport vehicles. That would decrease our dependence on petroleum imported from volatile areas such as the Middle East.
That was the idea.
But what's happened? Unintended consequences, that's what. Ethanol hasn't put much of a dent in our oil imports nor in the prices we're paying at the gasoline pump. Ecologically, ethanol production puts a lot of greenhouse gases into the atmosphere.
And the political consequences? Taking a significant portion of corn and other grains out of the food market has raised prices for food worldwide. This has demonstrably contributed to the popular uprisings in nations such as Egypt, Tunisia and Libya.
For generations, strongmen such as Libya's Moammar Gadhafi have held onto power by making a tacit agreement with their people. They have subsidized the cost of food, housing and other basics in return for dictatorial political power.
The people of such nations have allowed their leaders to keep ironclad control of the government as long as the prices for food and housing have been kept within their means.
But global droughts and severe storms have brought about poor harvests (a consequence of global warming, by the way). A horrific heat wave last summer, with temperatures over 100 degrees, withered nearly half of Russia's wheat crop. The American Midwest's grain belt suffered torrential rainstorms, while Australia's wheat crop was ruined by massive flooding.
Add to these natural disasters the removal of a significant percentage of grain crops for the purpose of producing ethanol and other biofuels and you get galloping increases in food prices, which have doubled in most of the Middle East within the past six months.
About 60 percent of the population of the Middle East is under 30 years old. These young people were seeking decent jobs and careers. But the escalating price of food has pushed them in the other direction: toward poverty.
Now throw in another element: instant communications via the Internet, Facebook, Twitter and the like. Young people cannot only get together digitally, they can see the wealth and lifestyles of people their own age in nations such as the United States.
The result: revolution. An unintended consequence that no one foresaw. And no one knows where it is leading.
Of course, the corn-to-ethanol move has had one consequence that was entirely intended: it has made our agriculture industry wealthier. And more powerful, politically.
n n n
I enjoy watching the TV quiz show "Jeopardy!," but I was out of town on a book-signing tour during the three-day appearance of the IBM computer program Watson, so I was unable to see Watson beat the show's two top human champions. Winning the trivia quiz was an impressive feat. Even more impressive, though, is Watson's next assignment.
IBM has teamed with software company Nuance Communications Inc. and two universities to produce a computer program that will ultimately serve as a digital assistant to physicians by digging up medical information on demand.
With a high-speed information retrieval system, Watson will be able to sort through mountains of medical data swiftly and accurately, allowing physicians to make quicker and better diagnoses. That quiz show prodigy is going to be a lifesaving physician's assistant.
n n n
Speaking of TV shows, remember the hand-held tricorder that Dr. McCoy used on "Star Trek" to instantly diagnose sick or injured shipmates?
A team at Massachusetts General Hospital has developed a hand-held version of a nuclear magnetic resonance (NMR) imaging device. Instead of sending a biopsy to a laboratory and waiting days for the test results to come back, the hand-held NMR can detect levels of nine protein markers for cancer cells from a tissue sample taken by a simple needle.
What's next? Transporter beams to whoosh us through traffic snarls?
Beam me up, Scotty!
Bova is the author of 124 books, including "Leviathans of Jupiter," his latest futuristic novel. Bova's website address is www.benbova.com.
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Agonist responses in HeLa cells transduced with the EGFP-GCCR adenoviral vector
Figure 5 shows agonist responses for a range of glucocorticoid compounds and other steroid analogues. The data show differential potency of agonists, with the expected high potency of dexamethasone (mean nucleus to cytoplasm ratio 6.33, SD 1.154) and prednisolone (mean 6.79, SD 0.938) at the GCCR. The high response to RU486 (mean 4.05, SD 0.348), which is reportedly an antagonist, appears to support the observation that RU486, in this system, is functioning as an activator of translocation, as has been noted before (2). Use of the EGFP-GCCR fusion protein enables facile identification of this phenomenon.
Function of gene sensors: Adenoviral transduction vs stable cell lines
The use of adenoviral vectors to generate the transient expression of key genes can avoid the laborious and time-consuming establishment of stable cell lines. It is therefore important to demonstrate that the functionality of the transiently expressed gene is comparable, within certain criteria, to equivalent genes expressed in stable cell lines.
Figure 6 summarizes the response to dexamethasone of target HeLa cells transiently transfected, at a range of MOI, with the EGFP-GCCR adenoviral vector. This was compared to equivalent responses in stable HEK 293 cell lines expressing GFP-GCCR. The data show MOI-dependent functional responses in target HeLa cells that have been transiently transfected with the EGFP-GCCR adenoviral vector. Maximum response, as measured by the nuclear to cytoplasm intensity ratio, was at 40 MOI. However, at all MOI values tested in this experiment, EC50 values calculated for the corresponding assays were comparable, indicating similar sensitivities to the detection of agonists across the range of MOI values employed.


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The 2012 Higher Education Risk Management Conference has been concluded.
For details regarding the 2014 conference, please click the following link:
2014 Higher Education Risk Management Conference
Steven Clark, OTR, CEAS
Regional Director of Industrial Services (Western Division)
Select Medical Corp
Steve is currently the Regional Director of Industrial Services (Western Division) for Select Medical Corp. Steve is originally from Houston, Texas. He graduated in 1993 with a Bachelor of Science degree in Occupational Therapy from Texas Tech University in Lubbock, Texas. After working in various settings as a contract staff therapist, he joined the company in 1995. He has worked in both the inpatient and outpatient settings treating neurological, spinal cord, orthopedic, hand, and industrial patients. Steve received extensive training in Functional Capacity Evaluations, Work Conditioning/Hardening Programs, Ergonomics, Injury Prevention, and Post Offer Testing. In 2001, Steve became the Industrial Rehab Coordinator for Houston and in 2006 became the RDIS for the Western Division.
He currently is responsible for assisting in identifying and developing "Industrial Centers for Excellence", overseeing the industrial product line operational plan, and providing clinical support of the Quality Assurance and Patient Management/Utilization Management programs. Other duties include the education, training, and mentoring of clinicians in all industrial product lines, as well as development and growth of the industrial program. The RDIS also maintains treatment time in the clinic providing FCEs, POET, working with return to work programs, performing job site analysis, and ergonomic evaluations.


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Literature and resistance in Guatemala: textual modes and cultural politics from el seńor presidente to Rigoberta Menchú
Ohio University Center for International Studies, Oct 15, 1995 - Political Science - 425 pages
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In July's "The Living Room with Gerry Bonds" radio program, the spotlighted issue is water.
Guests in the first segment of the show are the Executive Director of the Oklahoma Water Resources Board J.D. Strong and the Chairman of the Board for the Chickasaw Nation Neal McCaleb.
The pair talk about the ongoing water rights dispute between the Chickasaw and Choctaw Nations versus the state of Oklahoma, the city of Oklahoma City, and the Oklahoma Water Resources Board.
This discussion is not to try the case, which is now in an extended period of mediation, but to inform listeners about the issues that divide and unite the two sides, according to a news release.
Guests in the second segment are Director of the Oklahoma Nature Conservancy Mike Fuhr and conservation photographer Kim Baker.
The beauty of Oklahoma's rivers and streams and the need to protect them is covered in this portion of the show, with a focus on some of the 12 preserves owned or protected by the Oklahoma Nature Conservancy.
The new Blue River preserve and a traveling photo exhibit showcasing the recent Illinois River survey are also included in this conversation.
The July edition of "The Living Room with Gerry Bonds" airs at 6:30 p.m. Wednesday, July 4; at 2:30 p.m. Saturday, July 7; and at 8:30 a.m. Tuesday, July 10 on KOSU (91.7 and 107.5 FM), as well as live streaming online at kosu.org.
Follow me on Twitter: @MelissaHayer


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Anthony Romero and Austin Wilde in My Brother's Hot Friend!
More Galleries from My Brothers Hot Friend Click to see all 98 Galleries
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LGNTexas February 16, 2011 - 23:45:31 (See all My Comments)
Two very hot men. Who wouldn't want to fuck Anthony?Reply
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If that was my brother's friend I too would be on my knees servicing himReply
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Did Picard make the right decision with the Son'a/Baku
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April 16 2013, 04:22 PM
Fleet Captain
Re: Did Picard make the right decision with the Son'a/Baku
"interfering with a governmental or political function"
It is userping the function of the Baku government, for one.
"kidnapping occurs when a person, without lawful authority, physically asports (i.e., moves) another person without that other person's consent, with the intent to use the abduction in connection with some other nefarious objective."
This is EXACTLY what the Son'a are doing, only en masse.
If it applies to the singular, then it applies en masse to the plural. Otherwise, kidnapping charges can be skipped if more than one person is taken.
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Steve Jobs
The fact that he doesn't try to redeem these flawed, fascinating figures—or even try to make you like them in the slightest way—feels like an…
The fact that he doesn't try to redeem these flawed, fascinating figures—or even try to make you like them in the slightest way—feels like an…
As a piece of social satire, Knock Knock winds up being not just toothless but anticlimactic.
"The Ballad of Narayama" is a Japanese film of great beauty and elegant artifice, telling a story of startling cruelty. What a space it opens…
Patrice Leconte's "Monsieur Hire" is a tragedy about loneliness and erotomania, told about two solitary people who have nothing else in common. It involves a…
A NYFF report on "Carol," "The Assassin" and "Right Now, Wrong Then."
A video interview with Guy Maddin and Evan Johnson.
A report about Chaz Ebert's upcoming appearance on OWN's "Where Are They Now?" program.
An article about "The BlackWhite Love Play."
A FFC review of "The Look of Silence."
A review of "A Girl at My Door".
Our contributors share their fondest memories of the bygone era of video stores.
R.I.P. Chantal Akerman; Colin Healey on "Homemakers"; Rick Moranis isn't retired; Taking a stand against sexism in Hollywood; Eli Roth on "Knock Knock."
"Superman II" begins in midstream, and never looks back (aside from a brief recap of the first movie). In many ways, it's a repeat of the last ninety minutes of the first film. It has the same key characters, including archvillain Lex Luthor. It continues the love story of Lois Lane and Superman, not to mention the strange relationship of Lois and Clark Kent. It features the return of three villains from Krypton, who when last seen were trapped in a one-dimensional plane of light and cast adrift in space. And it continues those remarkable special effects.
his earliest days in a comic book, Superman always has been an urban hero. He
lived in a universe that was defined by screaming banner headlines and vast
symbolic acts, and Superman II catches that flavor perfectly with its use of
famous landmarks like the Eiffel Tower, the Empire State Building, Niagara
Falls, and the Coca-Cola sign in Times Square. He was a pop hero in a pop
world, and like Mickey Mouse and the original Coke trademark, he became an instantly
recognizable trademark.
That's why the special effects in both Superman movies are so crucial. It is a great deal simpler to show a rocket ship against the backdrop of outer space than to show Kryptonian villains hurling a city bus through the air in midtown Manhattan. But the feeling of actuality makes Superman's exploits more fun. It brings the fantastic into our everyday lives; it delights in showing us the reaction of the man on the street to Superman's latest stunt. In the movie, as in the comic book, ordinary citizens seem to spend their days glued to the sidewalk, gazing skyward, and shouting things like "Superman is dead!" or "Superman has saved the world!"
In "Superman II" he saves large portions of the world, all right, but what he preserves most of all is the element of humanity within him. The Superman movies made a basic decision to give Superman and his alter ego, Clark Kent, more human feelings than the character originally possessed. So "Superman II" has a lot of fun developing his odd dual relationship with Lois Lane. At long, long last, Lois and Superman make love in this movie (after champagne, but discreetly offscreen in Superman's ice palace). But Lois and Clark Kent also spend the night together in highly compromised circumstances, in a Niagara Falls honeymoon haven.
And the movie has fun with another one of those ultimate tests that Lois was always throwing at Clark to make him admit he was really Superman. Lois bets her life on it this time, hurling herself into the rapids below Niagara Falls. Either Clark can turn into Superman and save her -- or she'll drown. And what then? All I can say is, Clark does not turn into Superman.
This scene has a lot of humor in it, and the whole film has more smiles and laughs than the first one. Maybe that's because of a change in directors. Richard Donner, who made the first "Superman" film and did a brilliant job of establishing a basic look for the series, was followed this time by Richard Lester ("A Hard Day's Night," "The Three Musketeers"), and this is some of Lester's best work. He permits satire to make its way into the film more easily. He has a lot of fun with Gene Hackman, as the still-scheming, thin-skinned, egomaniacal Lex Luthor. And he draws out Christopher Reeve, whose performance in the title role is sly, knowing, and yet still appropriately square.
This movie's most intriguing insight is that Superman's disguise as Clark Kent isn't a matter of looks as much as of mental attitude: Clark is disguised not by his glasses but by his ordinariness. Beneath his meek exterior, of course, is concealed a superhero. And, the movie subtly hints, isn't that the case with us all?
This message came to me from a reader named Peter Svensland. He and a fr...
A comparison of Frank Costello in The Departed and Whitey Bulger in Black Mass reveals weaknesses in the latter.
A NYFF report on new films from Chantal Akerman and Michel Gondry.
Our monthly series digs into the career of Wes Craven and comes out with his 3D 2010 film, "My Soul to Take".


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Traffic light poles on Mayfair Road are unusually bulky
Issue: A reader wants to know why the new stoplight posts on Mayfair Road are so bulky.
Status: Elizabeth Schneider, signal operating engineer for the Wisconsin Department of Transportation, said WisDOT has been installing monotube poles that are strong enough to hold longer arms so a signal head can hang above each lane.
She also gave me an update about the signal timing along Mayfair Road, which I wrote about a few weeks ago. As I explained then, the new signals are on an adaptive system that collects data from the pavement. They are currently collecting data to determine the best timing. The data collection will be done in February and the adaptive system will then be turned on, Schneider explained.
Schneider added that, overall, the timing of the signal cycle along Mayfair is now longer in order to allow more cars to get through on each green light. The green light last longer for all directions, so even though there may be a longer wait, once the light turns green, more cars are able to get through.
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Young PR Pros: Episode #103 – The Importance of Real-World Projects in School
So much good news comes with today's podcast. First, host Kristine D'Arbelles records her first episode with her new baby. He was a good little boy and napped (almost) the entire time of the episode. Second, after almost three years, Continue reading


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