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Is Your Financial Advisor Working for You? Important Questions Might Give you the Answer Part II
The issue made headlines again in 2012, when a high-ranking Goldman Sachs employee resigned publicly through an Op-Ed piece in the New York Times, citing corporate culture as the primary reason for his departure. The employee stated "the interests of the clients continue to be sidelined in the way the firm operates and thinks about making money." If this occurs at Goldman Sachs, whose clients include the most sophisticated financial firms in the world, it can certainly also occur at any physician's chosen investment firm.
In part I of this article, we requested that you ask your advisor if they owe you a fiduciary duty as a client, and suggested that you ask for a detailed explanation of how your advisor is compensated. Part II will provide three additional questions to help you uncover potential conflicts that may not be obvious to the typical investor.
Question #3: Does your advisor's firm make money in other ways on your individual investments? Request clarification on the ways that your advisors firm may receive financial benefit from the securities you own in your portfolio. As an example, mutual funds commonly offer revenue sharing arrangements with a broker dealer firm. In this scenario, your advisor at broker-dealer firm "XYZ" is receiving security analysis provided by its research department, which creates a "buy list" of securities. Unbeknownst to you, XYZ receives compensation from the fund company offering the recommended products. The result is a higher fee to you, the investor. You will not see these fees appear as a line item on your statement; they will be hidden within the underlying investments. This lack of transparency will not only prevent a client from recognizing the true cost of the relationship, it may create a bias in the research provided to the client's advisor. This scenario can apply to closed end funds, exchange traded notes and other securities which will impact the bottom line of the firm, even if your investment representative may not receive additional compensation.
Example: Discount brokerage firm XYZ offers to manage client assets at a reduced cost of 0.80 percent of assets under management for Client A. The rep at XYZ purchases $150,000 of retail shares of a bond fund with an operating expense of 0.75 percent. The rep does not receive compensation for choosing this fund; however his firm (XYZ) receives revenue sharing directly from the fund company. A registered investment advisor for client B charges 1 percent for his services and purchases institutional shares of the same fund with an operating expense of 0.46 percent. RIAs often have access to the lower cost I shares offered by certain mutual fund families. In this scenario the "discount" brokerage relationship results in a slightly higher cost to client A because of hidden revenue sharing, despite charging a lower management fee for their service.
Question #4: Does your advisor utilize proprietary securities? Proprietary products are not always easily recognizable, as they can be branded under a different name. In-house products are not necessarily poor investments at the moment the recommendation is made to a client. The problem arises when circumstances change and it is no longer in a client's best interest to continue to own the underlying security. Will the "in-house" research recommend that their team of advisors liquidate the position in each of the firm's client accounts? Consider the impact of mass redemptions in a proprietary security. Who is going to be on the other side of that trade?
Example: XYZ firm runs a highly rated international bond fund with heavy exposure to European bonds. A team of brokers are looking out for their clients and contacts their research team to express concern about the recent drop in price of the investment. The research team of XYZ assures the brokers that they have adequately hedged the portfolio. A month later, concerned about the potential liability of a poorly performing investment, XYZ firm removes the fund from the institutional portfolios they are managing. The large redemptions create a significant drop in the price of the fund. A notification is then sent to the brokers explaining the firm's position after the price drop has occurred. The individual investor has faced substantial losses, while the firm has minimized the damage to their largest institutional clients.
Question #5: Does the advisor's firm engage in investment banking activities? If the answer is yes, determine how your financial professional (and the firm) is compensated on your purchase of that investment. What is the incentive of the firm to see that the entire offering is filled?
Example: There are countless examples of initial public offerings where individual investors have been sold on tales of tremendous growth opportunities, only to experience disappointing returns and a substantial loss on their investment. The recent handling of the high profile IPO of Facebook has resulted in numerous lawsuits and continues to raise questions about the inherent conflicts in the underwriting process.
This is not a complete list of the questions you should be asking your current or prospective advisor. One of our objectives in this article was to help you identify the potential conflicts in a traditional brokerage relationship, where costs are often much higher than they initially appear. A registered investment advisor such as OJM Group typically charges a fee that represents a percentage of the assets managed and does not receive compensation from the investments that are recommended. Our hope is that by asking the five questions we have referenced in our two articles, investors will have a greater understanding of the potential factors that may influence the recommendations of their advisor. If every trade made on your behalf is not unequivocally for your benefit, it is time to re-evaluate the relationship you have with your financial service provider.
SPECIAL OFFERS: For a free hardcopy of For Doctors Only: A Guide to Working Less & Building More, please call (877) 656-4362. If you would like a free, shorter eBook version of For Doctors Only, please download our "highlights" edition at www.fordoctorsonlyhighlights.com.
David B. Mandell, JD, MBA, is an attorney and author of five national books for doctors, including FOR DOCTORS Only: A Guide to Working Less & Building More, as well a number of state books. He is a principal of the financial consulting firm OJM Group (www.ojmgroup.com), where Andrew Taylor, CFP® works as an investment advisor. They can be reached at 877-656-4362 or email@example.com.
OJM Group, LLC. ("OJM") is an SEC registered investment adviser with its principal place of business in the State of Ohio. OJM and its representatives are in compliance with the current notice filing and registration requirements imposed upon registered investment advisers by those states in which OJM maintains clients. OJM may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. For information pertaining to the registration status of OJM, please contact OJM or refer to the Investment Adviser Public Disclosure web site (www.adviserinfo.sec.gov).
For additional information about OJM, including fees and services, send for our disclosure brochure as set forth on Form ADV using the contact information herein. Please read the disclosure statement carefully before you invest or send money.
This article contains general information that is not suitable for everyone. The information contained herein should not be construed as personalized legal or tax advice. There is no guarantee that the views and opinions expressed in this article will be appropriate for your particular circumstances. Tax law changes frequently, accordingly information presented herein is subject to change without notice. You should seek professional tax and legal advice before implementing any strategy discussed herein.
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Wednesday, December 31, 2014
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Join the audition-free, New Westchester Symphony Orchestra for rehearsals every Wednesday, year-round.
Openings available for bassoon, French horn, trombone, and all strings.
Email [email protected] for more information.
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posted by Thom Holwerda on Thu 6th Apr 2006 20:49 UTC
Heise, an influential German tech website, stirred the BeOS community up today by reporting that YellowTAB filed for bankruptcy [German]-- however, this bankruptcy was not filed from within YellowTAB, but by a 3rd party, possibly to damage YellowTAB. This news quickly spread accross BeOS related websites, but none of them could confirm the story. I emailed Bernd Korz, YellowTAB's CEO, and he confirmed that indeed someone from outside the company filed for bankruptcy, but that YellowTAB is in fact not bankrupt. Bernd could not disclose full details yet, as the company was still discussing this with its lawyers. Bernd did confirm that within a few days, the company will release an official statement concerning the issue.


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Dear visitor, welcome to SPRINKLER TALK FORUM - You Got Questions, We've Got Answers. If this is your first visit here, please read the Help. It explains how this page works. You must be registered before you can use all the page's features. Please use the registration form, to register here or read more information about the registration process. If you are already registered, please login here.
Thursday, July 9th 2009, 3:06pm
Thursday, July 9th 2009, 7:10pm
Thursday, July 9th 2009, 9:13pm
Friday, July 10th 2009, 7:20am
This post has been edited 1 times, last edit by "Wet_Boots" (Jul 10th 2009, 7:26am)
Friday, July 10th 2009, 4:50pm
Saturday, July 11th 2009, 1:18pm
Sunday, July 12th 2009, 7:14pm


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Now that's what I call hockey!
Nice to see the boys slowly get back to how they were at the beginning of the season. They played more defensively sound, and even though there were still a couple of plays that were flimsy, everyone played great tonight. I'm not really mad at how anyone played. It was a team effort and they managed to get a shutout for Ryan, so it's all good.
I'm glad that Derek and Pommers could get goals tonight. Lord knows that they need to step up their productivity, even though it's still early in the season but come on, Clarkie and Thomas can't score every night. That's sort of ridiculous. Also good to see Pie-eh get a nice goal thanks to Patty K. Awesome 2-on-1 opportunity they had and they capitalized on it.
Oh and...Tim Connolly is back, ladies and gentlemen. Everytime he was hit tonight I had to cover my eyes. I was afraid he'd break something again but he lasted throughout the whole game, hurray! He got a point for assisting on Derek's goal too. 70-something points this year if he stays healthy? We can only hope, but then again, speaking of Tim Connolly being healthy is like taboo. Serious taboo.
"The man who's hotter than a firecracker..." <3
Labels: daniel paille, derek roy, goal watch, jason pominville, patrick kaleta, stats, thomas vanek, tim connolly
7 comments:
- Jael said...
Vanek's pretty friggin' sexy this season.
- November 2, 2008 at 1:14 AM
- Shelby Rose said...
I don't even think sexy begins to cover it, but we'll stick with that for now. :P
- November 2, 2008 at 7:06 AM
- Cari said...
"The man who's hotter than a firecracker..." <3
I loved when Rick said he was "hotter than a proverbial pistol."
I love both those men.
- November 2, 2008 at 2:47 PM
- Shelby Rose said...
Ah, I heard 'pistol' last night but not the proverbial part, haha.
But he is right, oh, is he right about that one. (:
- November 2, 2008 at 2:49 PM
- Shelby Rose said...
- This comment has been removed by the author.
- November 2, 2008 at 2:49 PM
- dani said...
There are no bad pictures if Thomas is present in them.
- November 2, 2008 at 7:06 PM
- Shelby Rose said...
So true, Dani. So true.
- November 2, 2008 at 7:29 PM
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First, Luongo has not signed anything, nor can he prior to the first of July. A pundit from ESPN stated that a deal was in place. ESPN also spends less on hockey in a year than the entire population of Phoenix.Luongo, and his agent have both denied any claim of a deal in place. I've heard rumors regarding 8mil/year for five years. If this is the case please take it. If a deal is really in place, look for Schnieder to be in a trade package (maybe for Heatley).
Heatley has said that Vancouver is on his list of cities he would go to. Unfortunately, he's not the person needing persuasion.
Gaborik has bought a house in West Van. This is correct. However, he may be purchasing it for strictly financial reasons. Real estate will probably increase in value post 2010. He also may just want a place for family/friends to stay while he is playing in the Olympics. Much like the situation with Demitra, it is more likely now that Marian will come here, than it was prior to his real estate purchase.
The Sedins, the Canucks have one week before these boys are gone. There are rumors of their rights being traded to NYI – prob not likely.
Ohlund – Pretty sure he his gone. Contract talks have not produced anything significant.
Gillis has expressed a desire to have Mats Return. Mats has indicated that he does not want to play in Vancouver for 2010, which means he is even less likely to play there for a season.
*Picture stolen with thanks to NHLPA.WORDPRESS.COM


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Northland Refinances Hartford 21
By Greg Bordonaro
July 23, 2012
Northland Investment Corp., despite facing significant financial problems with three of its five major downtown Hartford commercial properties, has reached a deal to refinance nearly $70 million in debt it took on to build its Hartford 21 residential and retail tower.
The Massachusetts-based development firm, which has been downtown's largest commercial landlord, has secured a $75 million mortgage from UBS Real Estate Securities for Hartford 21, city and regulatory records show.
The loan proceeds were used to refinance about $70.3 million of remaining debt that Northland took out in 2004 to build the city's tallest residential/retail tower. Hartford 21 stands 36 stories high.
The original $80 million mortgage was provided by Citizens Bank, which hadbeen trying for years to sell off the loan, realty sources say. The Citizens' loan had matured nearly a half dozen times since it was originated in 2004 but Citizens Bank decided to extend the maturity date on each of those occasions.
Now the bank has its repayment in hand.
Hartford 21 is one of Northland's most prized assets downtown. The company developed the $162 million project from the ground up in 2006. Northland has had problems filling the retail section of Hartford 21, although it has had more success lately.
TD Bank recently signed a 10-year, 12,000 square foot lease in the building, which it will use for its regional Greater Hartford headquarters and a branch. The apartment units in Hartford 21 have maintained a strong occupancy rate in the mid-90 percent range.
The refinancing represents a bit of good news for Northland, which has been facing significant challenges on its other major downtown Hartford holdings.
In 2011, Northland lost its 12-story, 290,000-square-foot Metro Center office tower to foreclosure, and the company currently has two other major Hartford properties in foreclosure CityPlace II and Goodwin Square.
Northland also owns the Crosthwaite and Standard buildings at 242 Trumbull St. and 100 Allyn Street.
Northland did not return a call seeking comment, and a Citizens Bank official declined to comment for this story.
UBS is not holding its Northland loan in its own portfolio. Instead the New York-based banking company has sold off the Hartford 21 mortgage to the secondary market, a common practice in commercial real estate financing that helps boost liquidity in the market.
The Northland loan was packaged into a commercial mortgaged-backed security with about 73 other mortgage loans worth a total of $1.3 billion, according to an investor prospectus put out by UBS in April and recently obtained by the Hartford Business Journal.
Securitization is the process of pooling and then packaging various types of debt, such as mortgages, and then selling it into a secondary market, where there could be dozens of entities that have a say or interest in the loan.
It's a process that garnered significant controversy during the 2008 financial crisis, because many banks were accused of packaging risky loans in large pools of debt and then selling them as highly rated securities.
Securitization can also make things more complicated for borrowers. Once a loan is securitized, borrowers often have strict terms or rules that prevent lenders from reworking the loan until there is a default.
As a result, borrowers often don't know the identity of the institutions that hold their mortgages, making it difficult to renegotiate the loan. Borrowers sometimes will intentionally stop making payments in order to get someone to the negotiating table.
It's a situation Northland is intimately familiar with. All three of Northland's Hartford properties that fell into foreclosure had mortgages that were securitized, and the company didn't have success trying to renegotiate or refinance the loans when they matured.
As a result, Northland defaulted on the mortgages of all three properties.
In its investor prospectus, UBS did not mention any of Northland's foreclosures in Hartford.
UBS did not return a call seeking comment.
In terms of Northland's UBS loan, the $75 million mortgage is a 10-year loan with a 5.449 percent interest rate. It will mature in April 2022 and be interest only for the first 24 months.
The mortgage was placed on the entire Hartford 21 property, which includes 262 residential units, 106,530 square feet of office space, 57,139 square feet of retail space and 818 parking spots, regulatory filings show.
The residential apartments were about 92 percent leased, as of February 2012, while the office and retail space were 66 percent and 32 percent occupied, regulatory filings show.
Includes option to search related Hartford sites.
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Some of the most active companies traded Thursday on the Toronto Stock Exchange:
Toronto Stock Exchange (15,291.18, up 28.45 points):
Petrowest Corp. (TSX:PRW). Oil and gas. Up 10 cents, or 8.26 per cent, to $1.31 on 35.2 million shares.
Twin Butte Energy Ltd. (TSX:TBE). Oil and gas. Up nine cents, or 5.39 per cent, to $1.76 on 4.7 million shares.
Long Run Exploration Ltd. (TSX:LRE). Miner. Down six cents, or 1.13 per cent, to $5.24 on 4.1 million shares.
B2Gold Corp. (TSX:BTO). Miner. Down 14 cents, or 4.58 per cent, to $2.92 on 3.4 million shares.
Athabasca Oil Corp. (TSX:ATH). Up seven cents, or 1.04 per cent, to $6.81 on 3.4 million shares.
Torex Gold Resources Inc. (TSX:TXG). Miner. Down one cent, or 0.61 per cent, to $1.63 on 3.2 million shares.
Companies reporting major news:
Leon's Furniture Ltd. (TSX:LNF). Up nine cents, or 0.61 per cent, to $14.95 on 3,367 shares. The furniture and appliance retailer has reported higher net income in the second quarter but lower overall sales. The company said net income in the latest period was $16.5 million or 23 cents per share, compared with $14.4 million or 20 cents per share in the same quarter last year.


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Jobless Claims Down 9K, 158,000 Jobs Added in Oct
Dow Jones Newswires Reporter Jonathan Cheng joins the News Hub to discuss the new way the ADP is calcuated, changes in ADP and jobless claims, and a look at the markets. Photo: AP Images.
This transcript has been automatically generated and may not be 100% accurate.
... the the ... back to the New Saab I'm Wendy downs stock ages eight to eighteen this morning I have a huge delays economic data and some of that out right now the ... ADP numbers ... a hundred fifty thousand new jobs added the private payrolls in October ... initial jobless claims as are also out we're hearing that ... I they've dropped on nine thousand to about three hundred and sixty ... three thousand jobs adopted Chang he's right here ... you can help us make sense at all ... the the lot ... this morning try peace out I let's talk about first he's the jobless claims numbers and ADP numbers are they in line with consensus ... while they are roughly in line with consensus but ... there's a big asterisk this month the first was the elections to know that these job numbers in the more closely watched ... but with the GDP in particular they didn't change the methodology this month just in time for the auction ... aam is basically means that this number it's hard to read because they've changed their ... that the way to calculate it and people when calculating so ... um it's ... on the whole has been okay number for them or did you saw ... actually it that the stock futures are little a little bit now but you can see that it's it's hardly move at all right we saw that yesterday as well and I think the key is before the big number which is tomorrow's ... official unemployment numbers ... before the election on Tuesday and think you can see too many ... investors making big moves because ... um this is a lot of uncertainty ... was Tuesday and I think that's really the bill giving people money of course being the election has been forgotten in the Hurricane Isaac is from Sandy ... let's talk and also this other data due out today that people are watching very closely manufacturing data ... on consumer confidence earnings focus for some imagined sure well I mean look there's a lot of data this week to begin with ... to the fact that we've lost two days ... because of because of Sandia and now you have to crunch and a lot of data ... in these few days now the first month is very fact that Morgan is it that today ... and that that's a big number ... and knows that the first month around the globe inside China ... which is really important had a great many fashion number in the markets and skittish about that teaches the dumbest when people were skittish about this number that's right but ... you know we haven't done that here in us but ... aam but ... it was a good time and time and that's important ... and to ... as nice a lot of earnings as well so there's a lot to come out ... Pfizer reported this one be disappointed that they already ... have the weakest event so ... a little bit of of of of follow through here with earnings he's just not a great picture this quarter and that's ... a concern for investors when the consumer confidence numbers due out I mean how much will people be paying attention and ended ... everything counts ... or what's amazing is that consumers have largely ... held up they've been optimistic given people a pagan that the housing data that home prices are going up and that always helps ... the way you feel when you step into the shopping mall ... aam and I think we started this to to see ... real evidence of that so ... many people it looked like the continue also ... again was anyone to go in meeting its hard to to be too much into it and ... I would expect a big market moves based


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by Lee Ann Dalton
Knitting is one of those wonderful skills that just begs to be passed along. It's a craft that's been handed down and handed over, from friend to friend, throughout families, in craft workshops, even over the cubicle walls. Knitting is undoubtedly contagious; at the very least, no one ever sits next to a knitter without forming an opinion about what that knitter is doing, and they often loudly covet something warm for their very own selves. It's almost magnetic, the clickity-click of needles, the flash of yarn, the fabric that just seems to magically grow in a knitter's hands.
In families, along with reading, writing, making ramen, and trying not to crash the family car, many a knitting parent has tried to pass on his or her skill to a child. If you're a serious knitter, you may have tried on more than one occasion to impart your valuable knowledge to your kids. Knitting is that important to you, and it's unthinkable to have any child of yours move into the world unable to throw Jack off the needle and pop the bunny through the hole. While it's entirely possible that you have kids who have then decided that whatever you do for fun is exactly the opposite of whatever they would like to do for all eternity—or at least until the next trip to the mall—the chances are very good that, in the early years, your child stood next to you as you knit, pondered the wool in your hands for a while, looked you in the eye, and uttered those precious words that every enthusiastic knitter waits to hear:
"You should totally teach me to knit."
But teaching knitting is not easy. I can't be the only one who discovered that the moment I tried to pass on the art of the loop, that no matter how enthusiastic the learner, not every newbie knitter picks it up immediately, cooking right along, with zero panic at the unevenness and dropped stitches. There are those who hold the needles and yarn clenched in their fists and stare at you blankly, nay, angrily, as if you have told them to perform brain surgery on a hedgehog while doing a headstand.
Still, I wanted to pass on my beloved craft. I wanted to go beyond teaching friends and strangers: I wanted to teach my own daughter. My kid should knit, right? I hoped it would help her to de-stress, and might even lead her to visualize numbers, her nemesis, better if she had to count stitches.
It should be noted that long ago, when my daughter asked me to teach her to knit at age 5, I heartily agreed and bought the smiley-faced needles that very day, letting her pick out some wince-worthy purple wool that would put Barney to shame before I sat her down to learn. There's nothing like live, hands-on instruction, with the teacher right there to help you, right? Well, the first time I tried to teach my daughter to knit, the needles ended up on the other side of the room in a fit of frustration, the yarn was cut up into one-inch pieces to serve as grape Barbie spaghetti, and I ended up wondering why knitting teachers don't drink more on the job. The second, third, and fourth times I did it (once every year) it was like story hour at the library, with plenty being knit, but not one stitch actually created by the child herself. She sat in my lap, quite happy to have her hands on the needles, ready to take possession of the three-row bracelet that was the result. It was a series of lovely mother-daughter moments, but nothing sunk in for the next time around. Blank stare. Hedgehog surgery. Needles hidden under the bed with the dust bunnies. No new knitters here.
Nearly ten years later, did I have another knitter in my family? No, dear reader, I did not. "Mom, you should totally teach me to knit." It had become almost a joke. It's not as if I can't teach at all—heck, I once taught a newscaster to knit on live TV—at 5:30 in the morning—and she did alright. My day job often involves "differentiation," recasting lessons for kids whose learning styles just don't fit with the rest of the crowd, so I know there has to be a way to help someone who really wants to "get" knitting to go beyond that first co-knit row. I just have to find it. And lately, I've been pulled into service to teach fiber arts history to kids my daughter's age and older, some of them struggling learners. It would be awful if I tried to teach them to knit and they all turned out to be exactly the same type of learner as my kid. Seriously, my lap is a somewhat limited classroom space. I had to find a way to get from point A to point Finished Product without them all piling onto me like wool-laden puppies who need their claws clipped.
Obviously, knitting, like any other teachable subject, is about as opposite from a muumuu as one can get: one lesson style definitely doesn't fit all. Operating on the learning style theory I've been using throughout most of my professional life, paired with the knowledge that knitting lessons today come in a huge variety of forms to which our predecessors didn't have access, I decided to run through the paces with my daughter, to see what would work. If I could teach her this one thing, I could teach it to anyone. Besides, the kid who tells me to "get on with it" in Latin really wanted a knitted bracelet, and she wanted to make it herself, panicked hedgehog surgery be damned.
We started with verbal/linguistic learning. I handed over a how-to book, some wool, and needles, and said, "Go to it, kid. See you in five." I had no illusions that this would work, but I had to eliminate the traditional methods first. Hey, it's how I learned about crochet and puberty. (I navigated neither process with any grace whatsoever, but your learner's mileage may vary.) This learning style is often paired with the solitary learning style. Some people can just pick up a book and learn a skill, and if you can produce a doily right out of the gate with a book, we kind of don't like you, but more power to you, and the books keep getting better and better, with pattern support that will take you far beyond the Barbie shrugs and cat dish coasters of old. But my former lap knitter wasn't going to fly this mission solo. She wanted company in her misery.
Next came the visual/spatial method, also known as the no-words picture book. There are whole series based on visually teaching yourself to do all sorts of things, knitting included. IKEA has based their entire business on this learning style, with that little guy who insists you have all the parts to make something beautiful, but you'd better have a partner to help you carry it without breaking it in two. We did not have all the parts, nor did we make the something beautiful. Breaking things in two, we got that down pat. (Note to self: no more bamboo needles for this kid.) Picture books work brilliantly for solitary spatial learners, but my learner found that she could not connect what was in her hands to what was in the pictures. Next learning style, please.
The logical/mathematical style gets its own special circle of knitting hell for many learners, but counting is something you can't avoid when teaching a new knitter. On row three, you likely want to have the same number of stitches you started with on row one. This style gets folded in with the verbal/linguistic learning style in books, but in DVDs and online, in-person classes, knitting math gets a little less scary. My particular learner was not pleased to discover there would be math or logic involved, but if I promised not to call it that, she promised to keep counting. The knitting logic that works the best? Keep doing the same thing over and over again and your knitting will grow, guaranteed. I'm hoping that the predictability of numbers will make my surprise-averse learner love it more. Sticks, meet carrot.
The physical/kinesthetic learner is the lap learner turned loose. My learner needed my hands on the needles with hers, so that she could feel what the needles were supposed to do. This is where having a teacher right there is incredibly helpful. I eventually managed to spot her knitting, my hands hovering rather than actually touching the needles. When she discovered the movements were all hers, she was absolutely enthralled. And then she dropped a stitch and all hell broke loose, but for a moment, there, body learning was where it was at. Social learners often do well with this type of learning, as they can practice hands-on with other people around, and associate others' movements with what's happening physically in their own hands. But today's would-be knitter has options beyond finding a classroom: we found a DVD that showed basic stitches from the knitter's-eye-view perspective. So much easier for my learner than watching me and trying to create a mirror image action with her own hands. YouTube videos shot from the same perspective work quite well, too, and if you yell at them, they don't get upset. You can also make them go slowly and repeat ad nauseum what they just said. Ask me how I know.
Finally, there is the aural/musical style of learning. No, I will not sing for you. But hearing the instructions slowly, over and over again (see previous ad nauseum repetition suggestion), paired with watching a knitter's-eye-view demonstration and feeling how that matched what was going on with her hands, got my learner to produce her very first solo row.
So, do I have another knitter in the house now? Not exactly, but she has made me promise not to throw out her knitting, because she wants to try again. Perhaps she will be another Queen of Starts, but saving the knitting is a step in the right direction. I have watched the whole learning style thing crash and burn in practice for academics, because people often think they have to peg learners as one type and go with it, never to vary the lesson again. But I've discovered through trial and rather dramatic error that successful knitting lessons for struggling learners can be a changing cast of methods, and for every combo, there's a teaching tool or three that will fill the bill. Switch them out on an as-needed basis, and you may find the combination that will unlock your learner's zeal for wool. Just like the projects we're trying to help the new knitter create, this learning process is the very definition of work-in-progress.
The author and her daughter
Lee Ann Dalton is a poet, fiber arts columnist, freelance writer, spinner, knitter, gardener, marathoner, late bloomer, and devotée of the serial comma. She lives in Exeter, New Hampshire, with her equally insomnia-driven husband, her Latin-obsessed daughter, and three cats, including the amazing one-eyed Shackleton. She blogs at Knot Good.


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February 20th, 2014 at 1:01 PM ^
Even RR beat them!
February 20th, 2014 at 5:27 PM ^
He has also beaten USC, Oregon, Oklahoma (his players, coaching staff and gameplan) and Georgia. Time did not begin and end for him at "Lloyd Carr's University of Michigan"
February 20th, 2014 at 6:34 PM ^
That you, Rich?
February 20th, 2014 at 6:35 PM ^
Surely you mean the J. Ira and Nikki Harris and Family Lloyd Carr's University of Michigan.
February 20th, 2014 at 8:22 PM ^
he couldn't beat his meat while at Michigan. He might have been a contender.
February 20th, 2014 at 1:03 PM ^
A Saturday night prime time start for a game of only regional interest?
February 20th, 2014 at 1:11 PM ^
Wrong. Notre Dame has and always will attract national attention.
/Notre Dame'd
February 20th, 2014 at 1:41 PM ^
it didn't stop Notre Dame, when it was announcing the cessation of the series, from making the claim that the game had little significance outside the region.
February 20th, 2014 at 2:04 PM ^
All the more reason to lay an butt kicking on them as they go away.
February 20th, 2014 at 1:12 PM ^
I swear this was announced a while ago but maybe I just had it set in my mind it would be night game.
February 20th, 2014 at 1:32 PM ^
It was announced as a night game back in December. See this. The only news today was the actual time of the game.
February 20th, 2014 at 1:13 PM ^
No surprise it's a night game. Really hope we can beat them in their house and give them a lot of years not playing us and unable to get that sour taste out of their mouths after a lot of losses to Michigan.
February 20th, 2014 at 1:40 PM ^
I have no doubt in my mind we will beat Notre Dame again. However, what about Appalachian State? They upset us a few years back and I don't want a repeat of that incident.
February 20th, 2014 at 1:53 PM ^
If we are good enough to beat ND, we will beat app st. They are no longer the perennial powerhouse they used to be at the FCS level.
February 20th, 2014 at 2:34 PM ^
I like to believe that we came out of those first two weeks of 2007 so pissed that we laid waste to what was admittedly a not very good Notre Dame team that year, but it still felt cathartic somehow given how things had gone before that. I would hope that we don't need similar motivation this time around, that's all. As someone said below, Appalachian State is not the pesky FCS team that they once were, so we should be OK.
February 20th, 2014 at 2:44 PM ^
Yippie another night game. /s
Beat the fig thing chickens, AGAIN.
Michigan has beaten them 6 of the last 8.
February 20th, 2014 at 4:06 PM ^
know if we will get an opportunity to buy tix for the game through the Michigan ticket office? I can't recall if that was an option in the recent past.
February 20th, 2014 at 4:10 PM ^
Quite a few people plan on making the trip? I'd like to go to see Notre Dame stadium for the first time, but since this may be the last one for quite some time I can imagine the StubHub prices will be sky high.
February 20th, 2014 at 5:19 PM ^
I'm annoyed that ND has already announced their start times for all their home games, and we don't have a single start at Michigan set yet. (That's the only reason we know the time of the Michigan game.) I wish Michigan could set more start times earlier than a week or two prior to the game.
I understand that some of the problem is being part of the Big 10 Conference, and the fact that TV Networks want the "best" games later in the day. That only goes so far. Brandon could actually leverage this to make even more money: set the game times now, and charge TV Networks $500k to change the start time. At the very least, Michigan should be able to schedule Appy State, Miami (NTM) and Utah. And we know the Ohio game is going to be at noon.
Oh well, no use complaining about something you can't fix.
February 20th, 2014 at 5:56 PM ^
ND also has their own, individual contract with NBC. We are competing for time slots with the rest of the conference which will adjust as the season progresses
February 20th, 2014 at 5:58 PM ^
Damn your thread title!!!!!!!!!!!!!!!!!!!
I did a quick mental run-through (insert 'must have been quick' barb) of my calendar for tonight to make sure I wouldn't miss the game...
(I also thought to run to the basement to make sure I wouldn't be spending the evening hauling buckets of slush to the back door due to a malfunctioning sump pump --- should probably do that anyway).
February 20th, 2014 at 9:01 PM ^
I figured this would be a night game and it should be. It will be fun beating them for the last time in the foreseeable future.
February 21st, 2014 at 9:20 AM ^
ND moved their traditional blood match against Purdue to a dome in Indy. That move alone clearly shows us how they feel about our rivalry.


text:
If you�ve just had a baby, your life is filled with more joy (but less sleep). You�re probably aware of the time and effort you must invest in raising your child, but you may not have thought about the financial aspect.
If you�ve just had a baby, your life is filled with more joy (but less sleep). You�re probably aware of the time and effort you must invest in raising your child, but you may not have thought about the financial aspect.
The average cost of raising a child to age 17 is $222,360, according to a U.S. Department of Agriculture report on how much middle-income, two-parent families spend on their offspring. And this is the amount before your son or daughter heads to college. Clearly, you need to start making the financial moves necessary to take your child from diapers to a degree.
Here are some suggestions for doing just that:
� Purchase sufficient life insurance. When it was just you and your spouse, it was a good idea for you to have life insurance � but now that you have a child, it�s an absolute necessity. If you have doubts about the value of life insurance, look again at that $222,360 figure, and tack on the costs of four years of college. If you or your spouse died unexpectedly, would the survivor earn enough to raise and educate your child? It�s not likely � so make sure you have adequate life insurance in place.
� Prepare a will. Obviously, you hope to enjoy a long life � one in which you see your child grow to adulthood. However, none of us can predict the future, so you should draw up a will to provide for your child�s financial and physical care. When you create a will, you can name a guardian to step in and care for your child, if necessary, and you can ensure your child receives your financial assets. However, many people go beyond writing a will and establish a living trust, which gives them more control over how and when they want their assets distributed. Your legal adviser can help you prepare a will and determine whether a living trust is appropriate for your needs.
� Maintain adequate cash. To help pay for expenses related to child rearing, keep enough cash on hand. By having enough resources available in liquid accounts, you can avoid having to dip into your long-term investments to pay for short-term needs.
� Save early for college. It�s never too soon to start saving for higher education�s costs. A 529 plan is a tax-advantaged vehicle and may be a great option for college savings. Contributions to a 529 plan are made with after-tax dollars, and can grow tax-free. Withdrawals used for qualified higher education expenses are also tax-free. Furthermore, 529 plan contributions may be eligible for a state tax deduction or credit depending on the plan and state.
� Stay balanced. It takes a lot of money to raise a child. But even as you meet these expenses, think about your own future, particularly your retirement. Strive to strike a balance between the money you spend on your child and the amount you invest in your 401(k), IRA and other retirement-savings vehicles.
You can't put a price on your child's future, but when it comes to caring for that child, you�ll want to know the costs involved � and be prepared for them.
Joe Faulk is a financial adviser.


text:
Health-Care Providers Want Patients to Read Medical Records, Spot Errors
The aim is to move patients and doctors into a relationship of "shared accountability"
Health-care providers are giving patients more access to their medical records so they can help spot and correct errors and omissions.
Studies show errors can occur on as many as 95% of the medication lists found in patient medical records.
Errors include outdated data and omissions that many patients could readily identify, including prescription...


text:
Author Notes: I first thought of these during the spring alliums contest. However, the spring alliums I had in mind, namely garlic scapes, never reached my fair shores. At least my local Whole Foods never called me. No matter, I was excited to try them sans spring alliums and happy that they were as good as I had imagined. As an added bonus, everyone in my family -- gf hubby, tomato bandit and picky kid included -- loved them. If you have extra syrup, it makes a mean martini. Simply add 2 ounces of your favorite gin (I used Aviation), plus 1 T of the syrup, and ice in a cocktail shaker. Shake and strain into a martini glass. I call it the Do-Over Martini, for those days that you would care not to remember. Like yesterday for me. These make forgetting easy.
Food52 Review: Gingeroot's Spring rolls with mint, pork and green apple do their main ingredient proud. The minty pork filling is rolled with mint in a crunchy rice paper envelope, and bolstered with a sweet and tangy mint syrup. The herb proves its dexterity in each variation. To take it one step further, we ate them Vietnamese style, wrapped in lettuce with more mint and whole basil leaves. It seems that writing this review has triggered a craving; back to the store for more rice paper! —Erik Hellman
Makes: 12 -13 rolls
For the syrup
½ cup distilled white vinegar
¼ cup granulated white sugar
1 Thai bird chili or Hawaiian chili or other similarly spicy chile
¼ cup mint leaves, packed
For the spring rolls
ounces 10 ounces ground pork
tablespoon garlic, peeled, minced
tablespoons fresh ginger, peeled, minced
tablespoon fish sauce
ounces green apple, peeled and diced (about 1/3 cup plus 2 T)
cup mint leaves, packed and cut into chiffonade
large mint leaves
pieces of square rice paper (mine were about 6 ½ " x 6 ½")
Canola oil for frying
For the syrup
- Combine vinegar and sugar in a small saucepan.
- Coarsely chop the chili and discard stem. Add to pan (seeds and all). Try not to handle the seeds – use gloves if desired.
- Tear and rub mint leaves together with your fingers as you add them to the pan.
- Bring mixture to a boil, stirring to dissolve sugar. Lower the heat to maintain a gentle simmer and allow mixture to reduce by half (about 10-12 minutes). Remove pan from heat and set aside until ready to serve. It will thicken as it cools. Before serving, strain out solids. Drizzle over spring rolls.
For the spring rolls
- Heat a 10" skillet over medium heat. Add pork and brown, breaking up meat with a wooden spoon. Depending on the fat content of your pork, you may have to pour off some of the fat. You want your meat to be moist, but not swimming in fat. When all the meat has browned, add minced garlic and ginger, stirring and cooking until fragrant.
- Add fish sauce and cook for a minute more, moving mixture around to combine.
- Remove meat mixture to a glass bowl and let it cool for a minute.
- Fold in green apple and sliced mint.
- Set up your rolling station. You'll need a plate, a square baking pan (8 in) and a large rimmed baking sheet lined with parchment paper. Situate your bowl of filling near the baking sheet.
- Place the 12 pieces of rice paper on the plate. Fill the baking pan halfway with the warmest water from your tap (warmer than tepid, but cool enough to put your hand in without burning).
- Working one at a time, dip a piece of rice paper into your pan of water. Carefully flip the paper repeatedly with your hands. Within 10-15 seconds, it should go from brittle to pliable – like a strong, wet paper towel. Make sure the edges are softened, so that your filled roll will stick to itself rather than pull apart. Lay the softened paper on your lined baking pan. Spread 1 ½ Tablespoons of your filling about one inch in from the side facing you (see photo). Top filling with a mint leaf and then carefully fold up edge over filling. Fold each side over towards the center and confidently but delicately, tightly roll the rest of the roll until you reach the end. Place roll seam side down on parchment. Repeat with the remaining rice paper pieces and filling, changing water (rice papers are easier to soften in warmer water) at least once, until finished. Make sure rolls are not touching, so they don't stick together. Cover rolls with a damp paper towel. *NOTE: If your rice paper has a hole or rip in it, make sure you orient your square so the hole is covered by a layer of the rice paper. A hole in the top of the spring roll will open up when fried.
- Heat ½-inch canola oil in a Dutch oven or similar pan until it reaches 340° F. I have found that frying these at a slightly lower temperature for a little longer reduces the chance of exploding spring rolls (let's just say that at 375° F, I had nearly 50% of my rolls explode while frying). Add up to three rolls, one at a time, with long chopsticks (or other suitable utensil) and fry until firm and golden, about two minutes, flipping halfway through. As you remove each spring roll, tap on the edge of pan to remove excess oil. Drain on paper towels on the baking sheet. Repeat until done.
- Serve hot spring rolls drizzled with Vinegar-Mint syrup immediately. Enjoy!
- This recipe is a Community Pick!
- This recipe was entered in the contest for Your Best Recipe with Mint
More Great Recipes:
Roll|Apple|Mint|Pork|Vinegar|Fry|Gluten-Free|Snack|Hors D'Oeuvre|Appetizer


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Direct Application of Dyes
Setting Dye In Silk Fabric
July 2012
I used Jacquard Silk Colors to hand paint a silk banner. Then, using Jacquard dye set, I followed the directions: 3 tablespoons per quart of cold tap water. I used this amount for three quarts of water, and stirred my banner for five minutes. Then the directions said to rinse with liquid soap under running water. For liquid soap, I used liquid dish cleanser. When I finished, the white areas of my banner had picked up other colors. Is this to be expected? Did I goof when I used liquid dish cleanser? (It does not say soap on the bottle). Is there any way to recover my white areas, or is dying always going to be hit and miss? I'm sick.
July 2012
This is a common problem when rinsing. What happens is excess dye comes out during the rinse and stains the fabric. You see it most in your white areas, but probably the entire piece is stained or "dirty." This is called back-staining. The problem is exacerbated by the presence of the fixative. This is one reason steam-setting dyes on silk is often preferable to using a chemical fixative. One thing that really helps is using Synthrapol as your soap (
). Synthrapol is a neutral detergent that is used to remove excess dye. It works especially well because it keeps loose dye particles in suspension. This allows you to rinse out excess dye without back-staining. I have a feeling that dish cleaner is probably not the best choice of detergents...
(By the way, are you using Green or Red Label Silk Colors? If you are using Red Label dyes, it is important that you dilute them, to minimize the amount of dye that comes out during the rinse).
In terms of how you can reclaim your white areas: it will be a bit of a challenge, depending on how badly they are back-stained. One thing many artists do is use a mild Color Remover (
). The idea is to remove the dye on the surface of the fabric, which is the back-stain. You just have to be careful not to overdue do it: if your silk is in the remover too long, or if it is too hot, you can end up removing the dye in your painting, which is obviously undesirable.
I hope this is helpful. Let me know if you have any other questions or concerns...
July 2012
You're right. The entire piece is "dirty" and mottled. I used Green Label Silk Colors. The directions on the Synthrapol say to rinse the dyed piece in cold water and then wash in hot water with Synthrapol. My piece is 3 feet by 4 feet. How do I rinse and keep the fabric from back-staining before I get it into the washer?
If I choose to use Color Remover, can I expect that it will take out ALL the color, leaving the fabric white, white again? I feel the colors are poor quality and faded, and wonder if I should just start over. If I were to remove all the color, will it damage the fabric?
If, after considering all this, I decide to trying steaming it, do you recommend someone in the Westminster, Broomfield area? Or do you have directions for steaming that are safe and easy enough for a novice?
July 2012
That is Westminster or Broomfield, Colorado area.
July 2012
Here is how I recommend you fix and rinse:
Allow at least 24 hours for your silk painting to dry. Prepare the fixative bath by mixing 1oz of dye set per quart of cold water. You want your fabric to be able to swim freely (ideally, without any bunching or folding necessary), so use a bigger container with more liquid that you might have expected you'd need. (Wide mouth containers or large, deep trays are preferable for this reason). Plunge the fabric into the fix bath and keep it moving. Especially at first, you want to keep stirring and agitating vigorously. Try to minimize the amount of time the fabric spends touching itself. After 4 or 5 minutes, move the fabric into a warm rinse bath containing Synthrapol. Keep fabric moving and add hot water until the bath is hot. Then had cold water, continuing to stir, until it is luke warm and no soap and very little dye is rinsing out. Then hang to dry and do not allow the fabric to touch itself until it is totally dry. You want to avoid fabric to fabric contact as much as possible, the entire time.
Color removers do not damage fabric (it's bleach that does that); they just remove dyes. So yes, theoretically you could completely wipe out your painting and start over. I was recommending that you do a mild (short and/or cold) treatment in a color remover in order to remove the back-staining on your fabric. This is very effective for brightening colors, "cleaning" the "dirty" fabric, and reclaiming white areas (making them white white again). However, you could also use a color remover (with a lot of heat) to remove ALL your dye. Some colors are more susceptible to the remover than others, however, so you might not be able to get it COMPLETELY white again.
Steaming won't really help with the back-staining of this particular piece because you've already used the chemical and back-stained it). Steam setting would be an alternate route for next time, or for later down the road. You can use the store locator on our website (
) to find a steamer retailer near you. If that doesn't work, give us a call at 800-442-0455. There are plenty of ways to make your own steamer too. We don't have instructions up on our site yet, but if you provide an email address, I will send you a document with instructions. My email address is: email@example.com
I hope this is helpful!
October 2013
In creating large banners with Jacquard red label dyes, I've been able to avoid the back-staining with a little trick. After the banner is steamed, I take it outside and lay it over some aluminum window screens I picked up at a thrift store. (On the ground.) Next, I use my garden hose to spray the dye into the grass beneath. When most of the dye's been forced into the ground, I move the piece into a waiting bucket that has Synthropol in the water. I move the silk around in that for a while and then move it to one or two other already filled rinse buckets. This has allowed me to have vibrant colors without back~staining. I hope this helps someone!
[Deleted User]
October 2013
Thanks for sharing!
October 2013
; I am wondering why you are rinsing your banner after steaming it?
Jacquard & Artists:
I am brand new to this whole silk dyeing world- finding silk is magical to paint & loving the color blending techniques... Feel like I'm painting Aurora Borealis when I sit down to do this- I'm teaching my special needs clients how to do this (with donated dyes!) and we hope to be able to sell hand painted silk ties for a fundraiser. Obviously setting the dye is of utmost importance, as it is to every artist. I want this to flow beautifully for everyone concerned. Any tips? Thank you!
[Deleted User]
October 2013
Dear Laugher,
Based on another post from you I see that you are using Green Label Silk Dyes (please correct me if I am wrong.) To set the Green Label Silk Dyes you can use the DyeSet Concentrate - simply allow the ties to dry over night, mix the concentrate with water per instructions, immerse the ties, swish around for a couple of minutes, rinse in clear water and allow to dry. DONE!
p.s. rinsing after steaming removes excess dyes that could run if they got wet. There is often excess dye in painted pieces.
February 2015
Thanks for all the great tips. I'm wanting to dye set my first 9 x 40 inch silk painted banner. I purchased the dye-set concentrate by Jacquard recommended on the back of the Jacquard silk colors, green label. In Hawaii, it was $7.69 for 8 oz. I read that 1 oz is needed for every quart and I ought to make 3 quarts (3 oz of dye-set) for every 45 square inches of fabric I have.
I have 360 sq. inches to set. That means I'll need 24 oz of dye-set concentrate to fix one banner! Or 3 bottles of dye-set! I must be missing something here. Like enough cash to pursue this beautiful art! We have more than 20 banners we've made with homeless children to help them learn to "paint their own reality." My best option may be home steaming, and I would appreciate any instruction you have on low-cost and easy steam setting.
Thanks so much!
[Deleted User]
February 2015
Dear Marya,
Yes...we are working on our instructions!
For a scarf of your size 3 quarts of Dye Set solution is going to more than sufficient.
May 2015
Hi Annette, I recently hand painted a bunch of silk scarves and followed the instructions of the Jacquard permanent dye set very carefully (used the Jacquard liquid ready-to-use dyes) but some of the color bled when I took it to the cleaners. Also, the wax residue around the images spread and didn't come out- used the Jacquard soy wax which said ok for batik. I do not know what to do because these are all orders and I spent several hours on each one!! Can you help?
[Deleted User]
July 2015
Is it possible for you to call me at 800 442 0455? I think this will need a full discussion which is difficult in this forum
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Listen to today's episode of StarDate on the web the same day it airs in high-quality streaming audio without any extra ads or announcements. Choose a $8 one-month pass, or listen every day for a year for just $30.
You are here
Storm Season
It's storm season in the northern hemisphere of Mars -- a time when frontal boundaries sweep across the landscape, often stirring up boiling clouds of dust.
A recent study counted more than 300 frontal systems barreling across the planet in one Mars year. Most of them were in the northern hemisphere, during spring and summer. Most lasted a day or two, and stretched across hundreds of miles.
And summer is just getting started in the northern hemisphere, so it's time for more of these systems. They begin as parts of the polar ice cap vaporize, releasing carbon dioxide and water vapor into the atmosphere. These gushers of gas then move across the high northern plains.
Sometimes, the fronts stir up the powdery Martian dust, creating small dust storms. The dust warms the air, which helps keep the system going while raising more dust.
Some dust storms can grow to gigantic proportions, with the biggest covering almost the entire planet. Most of the really big storms, though, begin in the southern hemisphere. It's winter there now, so storms are rare.
It's possible that some of the storms could create lightning, as the dust grains build up an electrical charge as they move through the sky. A study a couple of years ago found evidence of lightning in radio waves from the planet. But other studies have come up empty.
With lightning or without, though, the fronts bring a bit of activity to the normally quiet surface of Mars.
Script by Damond Benningfield, Copyright 2012


text:
Picnic Time
NCAA University of Alabama Trunk Boss
Details https://www.belk.com/p/picnic-time-ncaa-university-of-alabama-trunk-boss/7601504715001790040.html
Orig. $78.00$39.00Sale 39.00
Additional Information
The Trunk Boss helps eliminate trunk clutter by providing six open pockets and an insulated removable cooler with a water-resistant interior. Use this piece to store cold or frozen foods from the market or to carry cold drinks and other essentials. A flat pocket on the exterior of the cooler holds the folded trunk organizer for compact storage when it's not in use!
- Tote: 11.75-in. x 5.75-in. x 14-in.
- Trunk organizer closed: 8-in. x 12-in. x 2-in.; Trunk organizer open: 24-in. x 18-in. x 8-in.
- Wipe clean
- Polyester and PVC
- Imported
Shipping Details
Shipping Details
This item ships directly from the vendor, usually within 4 business days. Shipping Details
Return Details
Returns are easy at belk.com. Easy returns


text:
Description of 1410 N Edgewater Dr., Charleston, SC 29407
No HOA! Boat landing in Subdivision. Your family will enjoy lounging around the pool with covered grill area. Large back yard is totally fenced. Split bedroom plan offers lots of privacy. Master suite features a fireplace, spa tub, his and hers walk-in closets, separate shower, an abundance of vanity storage and a small porch. Real hardwood floors in formal living, dining and three bedrooms. Home is set up for easy entertaining. Full bath as you enter from the pool area. Smaller bedroom on first with full bath and sliders to deck. Newer windows, roof, gutters, duct system and solar panels for minimum power bills. A must see for buyers that prefer a solid older home with a large yard. Two car garages are double deep. Motivated seller can close and move quickly. Steal of a deal, show today!
Property Features of 1410 N Edgewater Dr., Charleston, SC 29407
Single Family Detached
Edgewater Park
West of the Ashley Inside I-526
|Elementary school: Stono Park
|Middle school: West Ashley
|High school: West Ashley
|Woodburning fireplace(s)
|Fireplace in dining room
|Fireplace in living room
|Central air
|Electric heat
|Heat pump
|Natural gas heat
|Three car garage
|Attached parking
|Vinyl siding
|Brick veneer exterior
|Inground pool
|Lot acreage is: 0.71
|Level lot
|Subdivision: Edgewater Park
|Wooded lot
|Cable television available
|Ceramic tile flooring
|Eat-in kitchen
|Wood floors
|Wall to wall carpeting
|Laminate flooring
|Kitchen island
|Living and dining room combo
|Separate dining room
|Walk-in closet(s)
Rooms & Dimensions
|Laundry room


text:
Definitions of taunt
a. - Very high or tall; as, a ship with taunt masts. 2
v. t. - To reproach with severe or insulting words; to revile; to upbraid; to jeer at; to flout. 2
n. - Upbraiding language; bitter or sarcastic reproach; insulting invective. 2
The word "taunt" uses 5 letters: A N T T U.
No direct anagrams for taunt found in this word list.
Words formed by adding one letter before or after taunt (in bold), or to anttu in any order:
e - attune nutate tauten m - mutant n - nutant r - truant s - taunts
Shorter words found within taunt:
an ant at att aunt na nu nut ta tan tat tau taut tun tuna tut un ut uta
List shorter words within taunt, sorted by length
Words formed from any letters in taunt, plus an optional blank or existing letter
List all words starting with taunt, words containing taunt or words ending with taunt
All words formed from taunt by changing one letter
Other words with the same letter pairs: ta au un nt
Browse words starting with taunt by next letter
Previous word in list: taught
Next word in list: taunted
Some random words: li ka ef vigesimal tepa twa owns
This is not a dictionary, it's a word game wordfinder.
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text:
Ever since Pat Robertson found pot, he's become even more of a joke.
Views: 436
What took him so long. I discovered this when I was about 16 yrs. old. And it was better than fine. It was amazing! Kinda slow, ain't he.
I've had enough! This is the last straw. Pat Robertson's show has really gone downhill. First it was the sinfulness of Three's Company and then the trashiness of Married....With Children. And now this. I can't believe I feel dirty from watching The 700 Club. I'm about ready to throw out my TV.
Gee whiz, like I REALLY need Pat Robertson's permission to indulge in oral sex! Anyone who actually takes any kind of cue from that idiot is nursing a SERIOUS vacuum between their ears. That man needs to be IGNORED to the point where no one even hears him place an order for a venti at Starbucks!
Holy Sheep Shit, Batman!!!! It's now OK for married couples to smoke some weed and go down on each other? I can already here the ripping sound of the moral fabric of American as it comes apart!
With all of the scandals that have come out over the past few years regarding well-known preachers, I can't help but wonder if Oral Roberts has anything to do with this. It boggles the mind!
I think god is doing it wrong, because, it is better than "fine".
It is a whole lot better than fine when you get it right, and even the practicing is better than fine.
They say religion destroys everything, but it is going to be really struggling if it takes on oral sex, I think.
ROFLMAO. Thanks I needed that laugh.
So is he saying that it is OK to have sex while thinking of Oral Roberts.
I'm STILL not going to go down on him.....
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text:
Lessons for the Mitt Romney campaign from Al Gore?
Decoder had a recent email exchange with Mark Pfeifle, part of the Republican National Committee's message machine in the 2000 election cycle, in which Pfeifle noted some strong parallels between how Republicans went after Al Gore and how Democrats are now trying to characterize Mitt Romney.
For example, back in August, Romney tweeted about eating breakfast at Subway and flying commercial (on low-cost provider Southwest Airlines, no less):
"Thanks @subwayfreshbuzz for breakfast. Better than usual campaign diet of morning donuts."
That drew an immediate response from Bill Burton, the lead attack dog at Democratic "Super PAC" Priorities USA:
"When Governor Romney decided that he would say or do anything to get elected, you have to imagine he didn't think it would involve flying in non-private aircraft and eating at Subway. In fairness, as someone who made a vast fortune laying off American workers his identity is indeed in need of a makeover. (And quadrupling his beach home in an exclusive San Diego neighborhood isn't exactly helping that effort.)
But in his attempted makeover, Governor Romney is simultaneously highlighting a key weakness: he is willing to do or say anything to become President, even if it means changing his positions, his appearance, and his sandwich."
As Pfeifle points out, these are very reminiscent of "the old attacks we used - successfully - more than a decade ago against Vice President Al Gore. If you replace Romney with Gore, it's almost a complete copycat of what our team did in 2000." (Check out the old Glen Beck video below, mocking Al Gore's efforts to appear "more human.")
It's also quite similar to the way the Bush team ran against John Kerry back in 2004. Both Gore and Kerry were presented as utterly inauthentic - lacking core convictions not only when it came to political issues, but as a matter of basic character. As Pfeifle puts it:
"Gore tried too hard to be a Regular Joe and people caught on to it. The Republicans have to be authentic and believable. Nobody thinks Romney likes the middle seat in coach on a flight to New Hampshire or would rather have a cold cut combo than Beef Wellington…. People see phony from a mile away. "
Tellingly, Gore/Kerry-like characterizations of Romney are already emerging in the media landscape. This morning, the Washington Post ran a must-read story about Mitt Romney's personality out on the stump. Philip Rucker writes:
"When voters exposed themselves emotionally, Romney offered little empathy. When they sought his support for their causes, Romney didn't show them that he cared. Romney was scripted when he could have been spontaneous. He was boardroom cool when he could have been living room warm."
Nor is Romney facing this assault from Democrats alone. As POLITICO's Mike Allen wrote in his ultimate DC insider "Playbook" after the last GOP debate:
During fight night in Vegas, Rick Perry went HARD and EARLY at Mitt Romney over the inadvertent hiring of illegal immigrants as lawn-care workers at his former home in Belmont, Mass, which was revealed by The Boston Globe in 2006. THE REASON: Perryworld believes voters will see it as a PERSONAL CHARACTER issue rather than simply a POLICY question. Although Perry does not appear to have new facts about the episode, his aides think it helps them portray Romney as a HUMAN WEATHERVANE.
So how could Romney save himself from a Gore or Kerry-like fate? Pfeifle thinks it's less Subway sandwiches, more straight talk:
"After all the economic chaos of the last three years, people want someone to shoot straight with them. President Obama, in many people's estimations, isn't doing it. The first Republican candidate to grab hold of the authenticity mantle will likely win the primary and - if unemployment remains high - the presidency as well."
Go beyond:
- Read Jonah Goldberg's March 2000 piece from the conservative National Review: "Al Gore: Weird, not Boring."
- Check out Priorities USA's video "The Romney Rule" which argues Mitt Romney pays a lower tax rate than most Americans even considering his vast wealth.
- Follow Mark Pfeifle on Twitter.
Like your politics unscrambled? Check out DCDecoder.com.


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Knowledge Center
The Mathewson-IGT Knowledge Center is much, much more than a library
The reason the Mathewson-IGT Knowledge Center is not formally called a library is because it's a lot more than simply a repository of books.
The university's Knowledge Center offers University students much, much more, including technology resources, academic support and spaces designed for collaboration. It is a place where students can do their own research towards creating new knowledge.
For students looking for an academic edge, here are the things to look for in the Knowledge Center:
This is a computer lab on steroids. @One (pronounced "at-one") offers students a wide array of computers, advanced software, multimedia and video equipment, printing tools, and expert staff to help with any sort of academic endeavor. Learn more about @One
The Research & Computing Help Desk
The Research and Computing Help Desk is a combination reference and computer help desk. Students with any sort of computer or research question are welcome to walk up and ask for help. Learn more about the Research and Computing Help Desk.
Special Collections and University Archives
Like most flagship research universities, the University of Nevada, Reno has an impressive collection of historical items available to students. Among the items are several 15th century books, thousands of historical photographs of Lake Tahoe and diaries of western pioneers. Learn more about Special Collections and Archives.


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Hi! Sarah here! I'm new to the blogging/ad team of Gingerscraps! I'm not new to the whole team, though. I'm part of Creations by Julie & Pretty in Green's CTs. I'm also part of the store CT. So, when I say I love GS, I think it's pretty obvious!!
Starting this week, and hopefully each and every Sunday, I'm going to give a run-down on what's been happening at Gingerscraps for the past week. That means the Facebook & at the forum itself 😀
So, we'll start with a few of the challenges that are happening.
A new template challenge has started. This half of the month is hosted by JoyLynn of Blue Heart Scraps. The template is just gorgeous!
Awesome, right? Make sure you check out the challenge!
We also have the awesome hybrid challenge. Hybrid has become a big thing around the digi-scrap world! Enough so that even Gingerscraps had to create a hybrid CT :O Pretty cool right! This month's hybrid challenge is all about the love notes! [Read more…]


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An impresionant lodge o XIV Century Look at our web: www.viladomatrural.com ...+ Information
Impresionant masia ...+ Information
Apartments Berguedà offers functional heated apartments with free private parking and balconies overlooking the River Bastareny and the Cadí-Moixeró Nature Reserve. La Molina Ski Resort is just a 30-minute...+ Information
"L'estable" it is a fully furnished lodging for 4 people, in the middle of a protected natural scenery of incomparable beauty. It is an area surrounded by forests (they are well known by mushroom hunters)...+ Information
Traductor Cal Xocolater is a house created based on a typical house in the village. It was reformed for many years to get the current look and to ensure comfort, tranquility and well-being to all its customers. The house...+ Information
La Masia Escrigas es una antigua casa señorial situada en el Valle de Merlés, en Cataluña. Es una casa dotada de una gran historia vinculada con personajes ilustres de la cultura catalana. Su ubicación,...+ Information
'Molí del Casó', an ancient mill, had been converted to a modern rural house. Natural materials, with a minimum environmental impact, had been used for it's renovation. Hot water and heating are...+ Information
The Puig de Fonollet is a former stately home dating back to 1615 which has been totally reformed in 2011. Situated on the borders of the Puig- Reig municipality within the Bergueda region, Barcelona. The house is in fact...+ Information
"La Balconada" it is a fully furnished lodging for 8 people, in the middle of a protected natural scenery of incomparable beauty. It is an area surrounded by forests (they are well known by mushroom hunters) where...+ Information
Casa Rural Rústic Vilella is a traditional Catalan country house located close to the village of Gisclareny in the Berguedà region in the Cadí-Moixeró Natural Park. The house is 1,425 metres above...+ Information
Closca Cal is a charming cottage, located 1km., Gironella, less than an hour from Barcelona, and now fully pre-Pyrenees in Berguedà, restored with great sensitivity, retains the original features of its noble source,...+ Information


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The screams of teenage ride-goers as they were swung on the large rotating guitar-shaped pendulum ride known as the Rock Star filled the air Friday night, along with the wail of live 1960s rock 'n' roll music and the smell of fried doughboys and cotton candy, as the carnival rolled into the city for the weekend.
The screams of teenage ride-goers as they were swung on the large rotating guitar-shaped pendulum ride known as the Rock Star filled the air Friday night, along with the wail of live 1960s rock 'n' roll music and the smell of fried doughboys and cotton candy, as the carnival rolled into the city for the weekend.
The "guitar" swung upward, then slowly stopped when the strapped-in riders reached the top, before it swung slowly in the reverse direction.
The Rock Star and several other rides, including one called The Tornado were in full motion, and will remain so throughout the weekend, for the Fall River Celebrates Veterans Carnival.
There was the requisite Ferris wheel, along with the Scrambler, as well as some younger child-appropriate rides, including one called Dizzy Dragons.
There were also plenty of carnival games, along stands selling doughboys, hot dogs and nachos, as well as candy apples and cotton candy, all on the 2-acre grounds of the old Laurel Lake School on Rhode Island Avenue.
Patrons of all ages could be seen walking around, some holding prizes won earlier in the night. Many of the carnival-goers said they lived nearby.
"It's the first time I've seen a carnival here," said Fall River resident John Paquin.
Shortly before dusk had fallen, Fall River resident Shannon Pickering had her cellphone out, photographing her 9-year-old daughter Taylor, while she bungee-jumped and bounced.
Pickering lives nearby, and said the children noticed there was a carnival in their neighborhood. "It's nice to get out," she said.
Charlie Case could be seen walking around with his daughters, who each had prizes under their arms: an inflatable dolphin, a unicorn and several other items.
They insisted on coming back today.
"They've had a good time," Case said. "It's a good opportunity to just take the kids out."
"We have to make good use of the bracelets," said Brittany DaSilva, while watching her children go through the "Tiki Town" fun house.
"They've gone through it some 15 times."
Anna Andrade and her husband, Ernie, were walking their dog, Chloe, and decided to stop by. They didn't take Chloe on any rides.
"We don't live far away," Andrade said. "Maybe we'll come back tomorrow... without the dog."
Rhode Island-based Rockwell Amusements provided the rides, along with the games and food vending. Earlier in the day Mayor Will Flanagan and Veterans Services Director Ray Hague held a press conference to announce the donation of a black 2012 Chrysler 200 series car. The vehicle was donated by Carl's Collision Center, Enterprise Rent-A-Car and the Recycled Rides Program, and was on display at the carnival.
Flanagan said he hoped the carnival would become an annual tradition.
A portion of the carnival's proceeds benefit the Veterans of Foreign Wars Post 486, on Bedford Street. The post sponsors local youth sports and fundraising to assist veterans.
Email Michael Gagne at firstname.lastname@example.com.


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Senior Bobby Rasmussen will spend the 2006-07 season as the voice of the men's tennis team as he will provide a weekly blog about the program. Beginning with "Bronco Boot Camp" in the fall all the way through the WCC Championships and the Bronco Pro-Am in the spring, Rasmussen will serve as your guide to men's tennis.
The Greenwood Village, Colo. Resident has had three excellent seasons for the Broncos, posting 64 combined wins between singles and doubles. In singles dual competitions, he is 32-24 in his three seasons. Last spring, he was named WCC All-Academic and WCC honorable mention in doubles. He will be relied upon to provide leadership and strong play in both doubles and singles in 2006-07 as the Broncos attempt to climb to the top of the WCC.
Posted: Feb. 27, 2007
Rain For The Broncos
Last week was one of the most rewarding for our team, as we really began to play some ball. However, our fun was cut short as we were denied the chance to close out the USF Dons. For everyone's information, rain delays are a major pain. For example, this past thursday, we had began to play our match, got delayed, squeeged, rain, squeege, finish. At the end of the day, our entire team was left with some acute lower back pain and not even a victory to show for it. Hopefully we can play some matches with sunny skies next week.
Posted: Feb. 10, 2007
Big Win In the Desert
And I'm back, this time coming to you from probably the most barren landscape in the country, Arizona. Yesterday, we suffered a tough loss to a good Arizona State team, but today we knocked out the Wildcats of University of Arizona. It was great to get the road win, a first for us against a Pac-10 school. Jan Macek proved to us why he's back, clinching the match in an intense battle in the 3rd. All in all, it's been a pretty standard trip, the usual trips to Quizno's (aaahhhh!!!), doubles roommates, and team meetings. However, we have had the pleasure of gaining Nick Fustar, both to take the heat off the extra driver and provide some of his Fresneck insight to the matches. And for the most part, I would say it was a pretty solid acquisition, as he was most noted for his ape-like behavior at the end of Jan's match. He will not soon be forgotten as we will need many more ape-like performances in the days to come.. Hawaii on Wed --> The forecast is for some California sun with absolutely no rainbows.
Posted: Feb. 2, 2007
La La Land
The Broncos are now in La La land, as we recently lost a hard fought battle against the PepperDINE Waves. As goes on most our trips to the south, we tend to invade the Crowne Plaza LAX for a few days, to bunker up for the competition. Interestingly enough, this trip had a somewhat rocky/accidental start. For the first time, I am finally taking the reigns on one of the team vans, alleviating some much unneeded stress and anxiety caused by the questionable driving practices of Jan Macek. George is usually tough enough to follow, but throw Jan in the mix and a potential disaster is in the making. So, I finally got behind the wheel, ready to show what I've got to the team when just as we are leaving Enterprise, I pull forward to show my contract. The security woman keeps motioning me forward, and to my confusion, I inch forward until she tells me to back up. By that time it was too late as the gate slammed down on the hood of the car, producing a significant scratch and forcing us to exchange cars. Not at all the way I wanted to prove myself. Looks like I'll be hearing about this for a while. Eaters tomorrow --> Go Broncos..
Posted: Jan. 13, 2007
Back to Tennis
So Bronco Tennis is back!!! We are currently competing in sunny ?? San Diego where the temperature is a balmy 45. We have been competing against two pretty good teams, but have shown what Santa Clara Tennis is about. Brian Brogan continues to be in his own little world, as he strives for a new high score in Bubble, a game on his new phone/computer. Jay Wong is having a great time now that he actually has to do something for his freshmen duties. He seemed to be pretty talented but somewhat salty at unloading bags at the airport. Finally, our team knew Jan Macek was really back when he had asked for his 3rd let in 6 matches for inadvertent coins falling somewhere on the court. Let's Go Broncos!
Posted: Dec. 26, 2006
The Answer Arrives
What's up everyone? I'm back from Detroit and as much as I complained about the snow, I think I prefer it to overcast skies and a bone chilling wet rain. However, both pale in comparison to the paradise that is Santa Clara. I finally got back on the court today, after being in Detroit and before being snowed in. Unfortunately, today may be the last time I can play for another couple days as we are preparing for another blizzard determined to keep us inside. It's been somewhat tragic for me, as a significant portion of my time has been spent simply unable to get out of the house. Luckily, my mom made some delicious potato soup to ease the pain. But now about the real news..... The Answer is here for the Nuggets!!! A.I. is in town and playing bball alongside Carmelo. Championship here we come, Golden State's got nothing on D-Town.
Posted: Dec. 20, 2006
Having been back in Colorado for a couple weeks, I am begging to appreciate the nice weather that we have out at SC. I've realized that it's kinda nice to be able to step outside in shorts and be able to hit the ball all year long. Currently, I am stuck inside my house, unable to get out due to a massive snow storm, a foreign thought to most Broncos. To pass the time and fulfill my daily work out, I am battling with a snow blower that has extreme difficulty even starting. We needed to tip the thing upside down to empty the gas and put in new gas. This of course took a long time to figure out due to my dad's lack of knowledge in machinery. Finally, after pull starting the thing about 200 times, it ran and I battled our driveway for about an hour digging us out of the 38 inches of snow. This task proved unfulfilling, as I could clear our driveway but not the streets needed to access any part of the outside world. I'll be inside for a while.
Posted: Oct. 31, 2006
Class Time
One of our many duties as Bronco Tennis players is to participate in Pro-Am's, where we pair in doubles with an amateur to play doubles, raise money, and gain support for our team. This past weekend, we headed to Spanish Bay at Pebble Beach, a ridiculous resort next to the famous Pebble Beach Golf Course. From the start, we were treated great. The club gave us gift bags with a fleece, new hat, Gatorade, and official Pebble Beach moisturizer, sunscreen, and soaps (mainly for Aneal). As a team at Pro-Ams, we always mess around with our teammates, telling them that they are crossing and taking things way to hard and serious. However, Brian Brogan has perfected the skill by being a little sneaky out on the court. His tactics involve playing several balls back to the Pro, and then inconspicuously ripping the last and final ball at the amateur, thus taking the point for himself. Our team watched his semi and final as he executed his plan to a T and his team took home the crystal champions trophy, beating Kenzo and his partner in the final. In the end, the real victory came for Kevin McQuaid, a golf nut with a terrible drive, who happened to get a glimpse of Pebble Beach's famous #7 tee. If the course is lucky, that's as close as he'll ever get.. Till next week.
Posted: Oct. 19, 2006
Fresno Road Trip
The past weekend, our team was competing in Fresno, at Fresno State. While we saw two tough days of competition, the real treat came on Saturday night. Our team was invited by some donors to raid their house, kitchen, and fridge for some great eats. First off, the house was ridiculous. Big yard, pool, covered outdoor fireplace, and a guest house. Maybe I should tell my parents to retire and take a pad in Fresno. Anyway, shortly after arriving, you could tell that Kenzo was chomping at the bit. Notorious for having a big appetite, you could tell that he was salivating at the upcoming enchilada feast. I'm not too sure how much he ate, but I think he threw down at least 4 of the big things when I could only take 1.5. Despite Kenzo's feat of accomplishment, the larger challenge would be arriving home successfully as we had a 3 hour drive awaiting us late on Saturday night. It was easy to tell that George and Jan were feeling the effects of 2 long days in fresno, and also the enchiladas. Luckily, Jani came to the rescue and kept us going by tossing George an emergency Red Bull somewhere around Los Banos. Having a wired coach was only a small price to pay for a safe arrival.
Posted: Oct. 11, 2006
Class Time
Hey Everyone- We're back this week after completing the Bronco Classic with a strong showing. On Sunday, I watched Jay Wong tear through two opponents on the way to his Flight B singles title. He showed his indoctrination into the Bronco system by throwing multiple fist pumps and COME ON's to his Stanford opponent. Currently, I am battling with some serious Advanced Accounting with Professor Ou. Gotta get back to class, 5 minute break is up...
Posted: Oct. 1, 2006
Boot Camp
As every new year of school commences, Bronco Tennis begins with a week entitled "Bronco Boot Camp". Our team returns to the Mission Campus for a fun filled week of getting to know our new team and pushing our physical and mental limits.
This year was no different. After taking care of some administrative issues, our team loaded up the vans and headed up to Lake Tahoe, for the team's 9th annual trip. Of course, the beginning of the trip included some of our freshmen's help, but Steve, Jay, and Joe were definitely up to the challenge. This year's Bronco Squad also welcomed Robert Gallman from Texas Christian, as he would be making his first trip to the lake.
After a brief 4.5 hour drive, we arrived. The weekend is always meant for our team to find its identity and direction, in addition to all of the running. Thankfully, I completed the running and the team was strengthened for the upcoming year. After two short nights, the Broncos bid farewell to Tahoe and began practice with Midnight Madness, a Wednesday night practice from 10-12, another Bronco tradition.
Our coach George Husack mentioned that our goal would be to hit as many balls as possible, and we did. Practicing numerous consistency drills and movement work, we began to get acclimated and tested physically. The remaining practices for the rest of the week were tough, working 5 hours per day with perhaps the most difficult work coming at the end of the workouts from our strength trainer, Mike Salemi. He conditioned us through car pushes, sled pulls, and sandbag running, most of which none of us had done before. We capped off the week of hard work with 3 out of 5 set matches to push our mental and physical strength. All of the guys were pushed but each responded to the difficult test. Though this past week had been a week of challenges, our team persevered and is ready for any and all of the obstacles ahead. Go Broncos!