text:
New Rules of Personal Finance and Complete Fiscal Sanity
Hey, did you hear? The recession's over! Or it sort of, kind of, almost definitely is. The stock market's roaring back—we're going to get rich again! Or it isn't—and we're not! Best of all, we've finally started opening up our 401(k) reports again, and…we have no idea what to make of them. Yes, as the dust of total economic chaos clears, we're all searching for answers and signs of life, but financially speaking, things have rarely been more confusing. How do you figure out what the rising (or, okay, still falling) price of your house means? And what does that tell you to do with the rest of the savings you haven't yet started saving again? First step: Take a deep breath. Second step: Read on…
I'm going to miss the recession. Not the part about society being on the verge of collapse; that was terrible. And not the anxiety about my family's future; that caused me to develop this tic where I compulsively rubbed my eyebrows with my fists until it looked like someone had gone at them with a tiny belt sander. (Not kidding.) What I'm going to miss is the feeling of being temporarily absolved of the need to do anything, a sense that the only option in an unhinged financial universe was to go full Bartleby: stop checking the balances, stop investing money, return to the relative innocence of my pre-fiscally aware self.
From the fall of 2008 until very recently— like about a week ago—my strategy was Shut it down. This is an example, I suppose, of what behavioral economists call emotional biases. Most of us are guided by our emotions when it comes to money, and so we overreact in both good times and bad. We inflate the bubbles and we deepen the busts; this is our way. Or certainly it's mine. I am ruled by my monkey brain, as many of us have been of late.
The one article of faith that seems to have been shared by everyone in the aftermath of the collapse is that "the old rules no longer apply," though there's been very little clarification about what the "new" rules might be. Maybe this is because the "old" rules—by which I mean the assumptions that framed our entire perception of wealth and acquisition over the past decade—were, as we now know, completely insane. For those who came of age, fiscally speaking, during the Greenspan era, it was something of a given that cheap money would always be available if you needed it. You could borrow at 5 percent, then invest that money and get back at least 10 percent, and in this way you would become wealthy like you and everyone around you deserved to be.
Well, now that we've wiped out a solid decade of accumulated wealth, the reeducation can be a buzzkill. It's a little like explaining the need for legumes and leafy greens to a kid who's been told his whole life that all he needs to do is walk over there to that chocolate waterfall a couple of times a day and stick his face underneath it. The rules we should be following are the ones that have been there all along, and they can basically be boiled down to this: Prepare for bad times; understand risk; stop being so greedy; realize that no one is responsible for your future but you.
They're not very sexy, and they don't guarantee that you'll be rich, but if you follow them, you'll be less anxious and more prepared for the future, and probably a little happier, too.—JOEL LOVELL
Begin at the end: Make a will
It's the colonoscopy of financial planning. You need one, and you'll do anything to avoid doing it. "There's a lot of intimidation out there, especially if you're planning to do it yourself," says Denis Clifford, author of Quick Legal Will Book. "In the end, most people are surprised how uncomplicated the whole thing is." Here, Clifford helps you tackle the most procrastination-prone item on your fiscal to-do list.
Do it now, before it's too late
"Nobody in their thirties is thinking about dying," Clifford says. "But if you don't decide who's to inherit your property, the state will do it for you."
Figure out what you've got and who gets what.
"Unless you're a major player, you know what your assets are—a house, some stock, some security accounts." From there, figure out whom you want to pass everything along to. It's true that second marriages and shared property add some layers of complexity, but as Clifford insists, "All a lawyer can say is: Try to work it out." After the tough decisions, all that's left is the technical stuff.
Invest in a program that walks you through it
"I don't recommend going to a bank and getting a one-page will form," says Clifford. If you want to give it a go on your own, he suggests picking up a program like Quicken's WillMaker, which provides some color and context to the blanks you'll be filling in.
Pick the people who will carry out your wishes
Besides choosing who will inherit your property, you need to name an additional— though equally essential—set of individuals: an ecutor to carry out the contents of the will; a guardian for any children under age 18; and lastly, at least two nonbeneficiaries to sign the witness provisions.
Consider revising from time to time
You might get divorced, you might have another child, you might come to despise your cousin Jimmy. Events in your life may change, but do your best to get your will right the first time. "A lot of books say you have to look at your will every year with an attorney," says Clifford. "Frankly, that's baloney. Most folks draft one will and they're set for the rest of their lives."—DANIEL RILEY
Next, insure your life here on earth
Even if you already get free life insurance through your job, you should buy more. The point of insurance is to replace your salary in the event that you're not around to earn it, and the general rule is that you should have a plan that covers up to ten years of income. Employer-based life insurance typically covers between one and five years of salary. That's nice; it's free. But it's not enough.
So if you're under 60, buy term insurance. What is term insurance, you ask, and how does it work? Like this: In exchange for a yearly premium, your insurer will cover you for a fid period of time (the term), which is usually twenty to thirty years. In the event of your demise, the insurer pays your dependents an agreed-upon sum (the policy), which is way more than you will ever shell out in premiums.
Say you're a 40-year-old nonsmoking male and you want to buy a $500,000 policy. The first thing you should do is go to one of the many online brokers that let you compare rates for free. Consumer Reports recommends companies like Accuquote.com, LifeInsure.com, SelectQuote.com, or FindmyInsurance.com, because they're easy enough for your grandma to navigate and they work with dozens of insurance companies, which means you're guaranteed to get competitive rates.
At the time of publication, that 40-yearold nonsmoking male who wanted a $500,000 policy could buy a twenty-year level term—meaning the premium stays the same for the duration of the term—for as little as $360 a year, less than a dollar a day.
The bad news about term insurance is that by outliving the term, you'll never get back the money you put in. Why throw your dollars away on premiums if you're going to survive the policy's term? Because paying for life insurance is not unlike "throwing money away" for car or health insurance that you hope you'll never have to use. What you're paying for is peace of mind—protection against the worst so that you don't have to think about the worst.—SARAH GOLDSTEIN
Destroy Debt
Remember how funny it was when your dog got a Visa-card offer in the mail? Well, the credit card industry wants him to pay off his debt. And since he's not able to, they're going to find a way to stick it to everyone else who holds a card. Since 2008, credit card lenders have had to write off billions in uncollectible debts, and as a result they've gone draconian on our asses, socking us with annual fees, slashing rewards and credit limits, and hiking interest rates as high as 30 percent, even as the prime rate hovers at a fifty-five-year low. Public outcry finally led Congress to pass the Credit CARD Act of 2009, which has done something to protect consumers (and may affect the terms of the offers below), but the industry is busily inventing some, uh, priceless new ways to take advantage of you—like charging you fees for not using your card.
Before you do anything else investmentwise, you need to pay off your balance or, if that's impossible, at least transfer it to a card with an introductory zero percent APR. Otherwise, the interest you're paying—14 percent on average—makes it basically impossible to come out ahead with any other investments you may have. It's possible to play the game to your advantage, though, if you have the right information. The first and most important thing you need is an estimate of your FICO score, which you can easily get by using the online tools at CreditCards.com. (Excellent credit equals a FICO score of 750 or more; good credit equals 700 to 749. If your credit's less than good, call the issuer to find out your chances of being approved and what APR they'd likely offer you. Don't apply for a bunch of cards at once; your FICO score will take a hit.) Once you find out your score, identify the card category that best suits your needs—balancetransfer, low-APR, rewards, etc.—and put it to work for you.
Best balance transfer card
Excellent good credit:
Citi Platinum Select MasterCard
These days, no-fee balance transfers are rarer than Nancy Pelosi Web shrines. Citi's Platinum Select MasterCard offers the next-best thing—an introductory zero percent APR lasting up to twelve months. Move a $5,000 debt to this card from an 18 percent APR card, pay everything off in a year, and you'll save around $750. Or pay $100 monthly over the same period and reduce your balance to $3,800, a savings of almost $900.
Best cashback card
Excellent good credit:
Fidelity Retirement Rewards American Express
This card accrues 2 percent cash rewards, which you can direct not only to a retirement account but also to a traditional IRA, Roth IRA, 529 college-savings plan, and so forth. You'll want to pay off your balance in full each month. "If you don't," says Bill Hardekopf of LowCards.com, "rewards are a moot point. You're eating them up."
Best low-APR card
Excellent credit:
First Tennessee's Platinum Premier Visa, Visa Classic, and MasterCard
Good credit:
Capital One Platinum MasterCard
Most credit card rates are variable now, based on prime plus a profit margin of anything from 4 percent to a Sopranoesque 30 percent or more. The better your FICO score, the lower your qualifying APR; this is why many cards advertise a range of interest rates. At 5.15 percent, First Tennessee's may be the lowest-APR cards available nationwide, but if you don't meet the stringent credit requirements, the Platinum MasterCard may be a good choice. No matter what your credit rating, your best bet may actually be your local credit union, which likely charges an interest rate significantly lower than the banks'.
Best air-miles card
Excellent credit:
United Mileage Plus Select Visa
The battle for air-miles supremacy actually got more competitive during the recession, as card issuers tarted themselves up in hopes of attracting the smaller number of creditworthies still flying. This Visa racks up serious miles even if you fly only occasionally. —NATE PENN
If you read nothing else about money, read these:
There has been no shortage of books to explain our recent recession, but to understand what the hell we all just lived through and how the fallout is going to affect us for a loooong time to come, read Barry Ritholtz's Bailout Nation: How Greed and Easy Money Corrupted Wall Street and Shook the World Economy. Ritholtz is a scarily smart and righteously angry financial insider, and this book, which rips Wall Street a new one, is gripping and completely comprehensible even if you've never bought a stock in your life. Follow that up with John Lanchester's I.O.U.: Why Everyone Owes Everyone and No One Can Pay, a funny, literary, crystalline dissection of the world of finance.
There are millions of personal-finance Web sites, but if you're going to read just one, make it Get Rich Slowly (www.getrichslowly.org). It's a great source for clear, specific advice on all matters from getting a mortgage to making peace with your financial vices.
And for managing your own accounts, put everything in one place at Mint.com. You click on one page and it's all laid out clearly in front of you, every checking and savings and credit card and investment account, and the money elves at Mint e-mail you periodically to remind you when payments are due and to give tips on how to save cash that would never otherwise occur to you.
Prepare for the worst (and hope for the best)
The next thing you need to do is make sure you have some savings in case things in your life go south, moneywise. How much money you need to put away, of course, depends on all sorts of individual decisions, but our advice is that you should have six months' worth of basic expenses in a savings account that you can access whenever you want without getting penalized. The problem with savings accounts is that the returns are very, very low, and in the long run they'll barely keep pace with, or will be outrun by, inflation. So you don't want to park a ton of money here, just enough to cover you in hard times. Generally speaking, online banks offer the best interest rates on savings accounts. The easiest way to compare returns is to go to Bankrate.com. Check out Ally Bank and Bank of Internet USA (we know, everything about that sounds wrong, but it's legit, really) and Capital One Direct, all of which, at the time of this writing, were offering returns between 1.4 and 1.7 percent.
No panic, no fear, know more than you used to
The first thing you need to do if you have a retirement account is cut the wires that lead to the panic button. Is it safe to get back in the stock market? We have no idea. But history says you shouldn't care. Whatever the market is doing at any given moment is not your concern. You are not a day trader. What you are is a person who is in it for the long haul. You have time on your side, which means the heart-crushing drops like the one we just lived through are going to be offset by heart-pounding rises. The average annual rate of return from the SP 500 over any twenty-year period since 1927 is 7 percent. So twenty years from now, if history continues to repeat itself, you will have gotten $7 a year for every $100 you put in. It's not risk-free, as recent carnage all too vividly attests, but if you want to take a relatively hands-off approach to retirement planning, it remains the best game in town. If you haven't given any thought to how you'll survive when you retire, we beseech you: Please begin regularly putting money into a retirement account right now. We can't emphasize enough how important this is. Really, if you have any regard for your future self, you will heed this advice and take part in one of the following plans.
Save through your employer
If you have a full-time job, chances are your employer has set up a 401(k) plan—or a 403(b) if you work for a nonprofit. If so, again, start putting money into it now. If you're one of the lucky few whose employers match their contributions dollar for dollar or fifty cents on the dollar, for the love of all that is good, please, please, take advantage of that. You are getting an astounding rate of return if your company matches your contributions. To not take advantage of it is to hate free money.
Set up a retirement account on your own
If the employer plan isn't an option (or even if it is and you just want another, or a different, retirement account), then set up an IRA (individual retirement account). There are basically two main flavors to choose from. The first is the traditional IRA. As with the 401(k), the money you put in here is tax-deferred, which means you don't pay any tas on it now, but you do years from now when you take it out. The other option is the Roth IRA , which is set up in reverse: You pay tas on the money you contribute now, but not when you take it out. Which one should you choose? There are various factors, the main one having to do with your tax bracket now versus what you think your tax bracket will be in the future. (To figure out how your money will fare in each account, check out Morningstar's IRA Calculator.) Whatever you do, don't let the work of deciding between the two hold you up. Just do it. (If you're young, conventional wisdom says go with the Roth.) What's important here is that you're taking advantage of time and putting money into your account as soon as possible.
Okay, you've set up your account, and now you have to "allocate" your funds, and you're like, "Asset allocation? What does that mean? Zzzzzzz." All allocation means is dividing your contributions over various "asset classes": stocks, bonds, and cash, generally speaking. The most volatile asset class is stocks (also called equities or securities), with bonds being less volatile (when you buy a bond, you're essentially loaning money to the government or a company in exchange for a fid return for a set amount of time) and cash (Treasury bills, for instance) being the safest. And there are options within each asset class with varying levels of volatility. (Think penny stocks versus the stocks of blue-chip companies.) In general, the more volatile the investment, the higher your potential return will be (and also the higher potential for loss). The idea is that you diversify among the asset classes, putting more money into the riskier classes early on and then gradually shifting your money to less volatile investments as your retirement date approaches. It's a great plan, and should work, so long as you shift your investments into safer harbors before the once-in-ageneration cataclysm comes along.
So how do you figure out the allocation strategy that's right for you? A good place to start is with the asset-allocation calculator at Yahoo! Finance or IPERS.org. You enter various factors like your current age, expected year of retirement, and tolerance for risk, and the calculator creates a nicelooking pie chart with the assets you should be investing in and in what proportion. The next step is to buy the right stuff in the right proportions. The stocks that you purchase will be in "actively managed" funds or index funds (you'll want to put your money in index funds; more on this in Step 6), as will the bonds, and all you need to do now is automate things so that a set amount of money gets transmitted each month to your retirement account. You want to invest consistently and unemotionally, which means taking yourself out of the process as much as possible.
Even though you have your savings running on autopilot, you still need to check your portfolio regularly (at least once a year) to make sure your investments are distributed the way you want them to be. (Over time, as some investments do well or others struggle, the original allocations start to get out of whack.) Once a year, that's all we're saying. Every six months, preferably. You can do that, right? And that's it. Your future self will be significantly less anxious and regretful. Did we mention you should do this now?—MICHAEL HSU
Invest the rest
You could buy individual stocks, but that's a terrible idea. You could also invest in a mutual fund, where your money is pooled with other people's money and managed by a fund manager who chooses your investments for you. But you pay fees to the fund manager according to the fund's expense ratio, which will cost you a portion of your investment even if the fund loses money.
So put your money in an index fund, where the fund manager is not a person but a computer that aligns the fund's holdings as needed. Automate it as you did with your retirement account, and pay attention to rebalancing every six months. Once you get a feel for things and have a little more money to invest, you should ideally be spreading your investments over a mix of indes, putting some money in an SP 500 index, say, and some in a tech index, and some in an overseas fund. The average mutual fund does no better than index funds that track the SP 500. You don't need a Wharton MBA to figure out which is the better value.
And lastly, a word about homes
The past decade has been nothing like the rest of American history when it comes to homeowning. And if the coming decade is anything like the last one—well, our nation will eventually be so broke that it'll be hard to buy milk, let alone property. The safer bet is to assume that, going forward, real estate will work a lot more like it did pre-Greenspan. Interest rates are going to go up, and once the government pulls back efforts to help the housing market later this spring, it's going to get more expensive to borrow than it is right now. That means you need to forget everything you learned watching Flip That House and start thinking like your parents, or even grandparents, did when it comes to real estate: that a home is only a good investment if you plan to spend a lot of your life in it.
If you're looking to buy
First, make sure that buying is a smart move for you. Thirty-year fid mortgages made a lot of sense when Americans tended to stay put for their entire careers but may make less sense now if you're likely to change jobs or cities every few years. Start by using a good rent-buy calculator, like the one at NYTimes.com. (Assuming the housing market returns to its historical norms, 3 to 4 percent is a reasonable, perhaps even optimistic, guess for an appreciation rate.) Then, if buying is the right call, don't feel rushed into doing so by the low interest rates and $8,000 homebuyers' tax credit. While it's impossible to predict precisely what the housing market will do, chances are that when the government suspends these interventions, prices will fall further.
If you own (but bought more than a decade ago)
So long as you haven't been taking bubble-years' equity out of your (then value-inflated) home, you're fine. The only thing to consider is lowering your monthly payments. If you haven't refinanced yet, do so soon, before rates climb. If you're saving a point or more on interest, it's worth the refinancing fees. But it may take some persistence; banks are currently overwhelmed with requests and can be reluctant to refinance for borrowers who aren't in danger of default.
If you own (but bought during the bubble)
Even if you weren't intending to make a quick buck when you bought your home, you need to look at your situation in the same way many other bubble-years buyers did: as an investment. Which means that while you may be able to make the payments on your mortgage, you might not want to—especially if you now owe way more than your home is actually worth. If your home hasn't depreciated badly, talk to your bank about a refinance to keep your monthly costs low. If it has depreciated badly, it may make sense to discuss a short sale with your bank or to consider what's known as a "strategic default." Walking away from a mortgage is a complicated process (go see a lawyer) and will have negative credit implications, but—with this recession having already brought bailouts to just about every sector of the economy— the moral stigma of default is now largely gone.—MARK KIRBY
�Consumer Reports recommends companies like Accuquote.com, LifeInsure.com, SelectQuote.com, or FindmyInsurance.com, because they're easy enough for your grandma to navigate and they work with dozens of insurance companies, which means you're guaranteed to get competitive rates.
�The first and most important thing you need is an estimate of your FICO score, which you can easily get by using the online tools at CreditCards.com. (Excellent credit equals a FICO score of 750 or more; good credit equals 700 to 749.)
�You'll want to pay off your balance in full each month. "If you don't," says Bill Hardekopf of LowCards.com, "rewards are a moot point. You're eating them up."
�There are millions of personal-finance Web sites, but if you're going to read just one, make it Get Rich Slowly (www.getrichslowly.org). It's a great source for clear, specific advice on all matters from getting a mortgage to making peace with your financial vices.
�And for managing your own accounts, put everything in one place at Mint.com.
�The easiest way to compare returns is to go to Bankrate.com.
�A good place to start is with the asset-allocation calculator at Yahoo! Finance or IPERS.org.
�Thirty-year fid mortgages made a lot of sense when Americans tended to stay put for their entire careers but may make less sense now if you're likely to change jobs or cities every few years. Start by using a good rent-buy calculator, like the one at NYTimes.com.


text:
Harvard's Tillman Hired To Take Over At Maryland
June 16, 2010
Courtesy of Maryland Athletics
COLLEGE PARK, Md. - John Tillman has been hired as the University of Maryland's head men's lacrosse coach, Director of Athletics Deborah A. Yow announced today, becoming the ninth coach in the 85-year history of the program. Tillman comes to College Park after three years returning Harvard lacrosse to national prominence and twelve seasons as the top assistant at Navy, during which the Midshipmen experienced some of the best years in their storied history. He has signed a seven-year contract.
"It is a great honor to take over the Maryland men's lacrosse program," said Tillman. "Maryland is a premier university with a rich history of success in lacrosse. I'd like to thank Dr. Yow and the search committee for extending the wonderful opportunity to be Maryland's head coach. It will be the goal of our staff to be the kind of lacrosse program, the kind of lacrosse team that you can be proud of, that will complement the tradition that this institution has been so proud of through the years. What makes this lacrosse program special is its importance to the school and the State of Maryland. The tradition here is phenomenal. I am looking forward to this challenge.
"I would also like to thank Bob Scalise for giving me the opportunity to coach at Harvard University the last three seasons. I enjoyed working with the student-athletes there and will look back fondly on my time with the young men at Harvard."
Widely considered one of the top young coaches in the country and a dynamic recruiter, Tillman has been the head men's lacrosse coach at Harvard the past three seasons. His last recruiting class for the Crimson was rated No. 3 in the nation, according to Inside Lacrosse.
"We are delighted that Coach Tillman will become our leader of Maryland men's lacrosse," said Yow. "Senior Associate AD Michael Lipitz chaired this successful search. He and his committee identified Coach Tillman early and worked diligently to secure him for the Terps. John is a man of integrity and a tireless worker who has the ability to attract the very best student-athletes to College Park. He has a `can do' attitude that is contagious. We look forward to this exciting new era in Maryland lacrosse."
During his three seasons at Harvard, Tillman compiled an overall record of 20-19, including an 8-5 mark in 2009, which was the Crimson's highest win total since 1999.
Tillman's time at Harvard produced a number of the most memorable wins in the program's history. This past season, during which Harvard climbed as high as No. 11 in the national polls, Tillman guided the Crimson to an 11-8 victory over No. 6 Princeton, which was the first time Harvard had defeated the Tigers in 20 years. In 2009, Tillman led the Crimson to a season-opening 9-6 upset victory at No. 5 Duke.
Tillman improved his teams in every aspect over the past three seasons. Prior to his arrival in Cambridge, Mass., the Crimson ranked 40th and 42nd, respectively, in total offense and defense. Tillman's defense ranked as high as No. 3 in the nation, while his offense rose to No. 15 in the country. He also dramatically improved Harvard's extra-man offense, from the 51st-ranked unit before he arrived, to a perennial top 15 unit.
Prior to Harvard, Tillman spent 12 seasons at the U.S. Naval Academy in Annapolis, Md. After six seasons as an assistant coach, he was promoted to head assistant coach and offensive coordinator prior to the 2002 season. From 2004 through 2007, Tillman helped lead the Midshipmen to the some of the most successful seasons in program history, including four straight NCAA tournament berths, four consecutive Patriot League tournament titles and four straight Patriot League regular season championships.
In 2004, with Tillman at the helm of the Navy offense, the Mids made a remarkable run through the NCAA tournament, defeating three Ivy League teams (Penn, Cornell and Princeton) en route to a spot in the national championship game. Tillman's offense was a key component of Navy's success that season, ranking third in the nation in scoring offense. Following the Mids' tremendous 2004 season, Tillman was awarded the first of his two Collegiate Lacrosse Assistant Coach of the Year Awards by the Maryland State Lacrosse Coaches Association.
During his 12 season at the Naval Academy, Tillman was responsible for helping develop first team All-America midfielders Graham Gill and Billy Looney and second team All-America attackman Jon Birsner. In his 12 seasons in Annapolis, the Mids compiled an overall record of 104-63.
Tillman started his coaching career as an assistant coach at Ithaca College. He spent four seasons (1992-95) with the Bombers, helping lead them to the Division III national semifinals in 1992.
In addition to his extensive coaching experience, Tillman also serves as a member of the Tewaaraton Award Men's Selection Committee.
A 1991 graduate of Cornell University's School of Hotel Administration, Tillman was a three-year member of the school's Dean's list. He had the opportunity to play for legendary coach Richie Moran and was a member of the 1989 squad that earned a berth in the NCAA tournament. Tillman was a goalie when he entered college, but played a number of positions for the Big Red, giving him a great appreciation and understanding for the overall game of lacrosse.
Tillman played professionally for the Baltimore Thunder and the Washington Power of the National Lacrosse League. During his final two seasons in Baltimore, he helped the Thunder reach the NLL Championship and Semifinals. Tillman also played for the Toyota Lacrosse Club, who won five-consecutive Southern Division Championships, including a world championship in 2000.
A native of Corning, N.Y., Tillman was previously commissioned into the U.S. Navy as a fleet support officer and was awarded the Navy Achievement Medal.

subset: commoncrawl


text:
Remember Me?
What's New?
Activity Stream
New Events
Mark Forums Read
Advanced Search
vBulletin Message
vBulletin Message
It is with heavy heart that I have decided to close the forums. I had hoped that the forum could exist indefinitely, but unfortunately, it seems that the boards need more direct involvement than I or others involved can provide. It has been a pleasure to meet, speak with, debate, and argue against so many of you over the years.
I may decide to open the forums archive for past reference, but that will require some time on my end. If anyone decides to create an offshoot forum I'd be happy to post the link on this page so others can find their way.
Quick Navigation
Site Areas
Who's Online
Search Forums
Forums Home
Forum in Focus
The Travel Log
General Discussion
The Lounge
The Whine Cellar
Arts, Culture, and History
Arts, Entertainment, Music & Literature
History, Cultures, & Military
Jokes, Riddles, Polls, Weird Stuff & Online Tests
In The News
Political Debate
United States Election 2004
DA Polling Booth
United States Election - 2008
In The News
The Lighter Side
The 'Big' Debates
Science & Technology
Issues: Let's Take Action
Personal Wellness, Spirituality, & Things Unseen
Health, Wellness, Spirituality & Medical
Things Unseen
Relationships, Dating, Mars & Venus
Hobbies: Electronics, Cars, Sports, & More
Electronics, Computer Discussion & Help Desk
Gamers Haven
Ælternate Reality - The PhotoChop Shop
User Requests
General Hobbies: Outdoors, Home & Garden, Artistic Expression
The Perpetual Open Mic Night
Cooking and Delicious Arts Forum
Creative Creations
Cars & Bikes Discussion & Tech Help
DiscussAnything.com Extras
Site Information | Support | Feedback
Support, Feedback & Testing
-- Darkvision
-- Bitten Fruit
-- Mellow Yellow
-- DA Classic
-- Midnight
-- Winter - Day
-- Winter - Night
-- Default Mobile Style
Contact Us
Discuss Anything
The time now is
Powered by
Version 4.2.1
Copyright © 2018 vBulletin Solutions, Inc. All rights reserved.
All rights reserved.


text:
Amid supportive cheers for new artistic director Olivier Pere and a lineup of pics that had set out to shake up the old order, the 63rd Locarno Film Festival closed on Saturday with "Winter Vacation," a deadpan digital comedy from China's Li Hongqi, taking home the Golden Leopard for the international competition (worth $85,600).
The special jury prize went to freshman helmer Marian Crisan's Romanian drama "Morgen," which is practically assured Swiss distribution, having also nabbed the ecumenical prize.
Denis Cote's "Curling" earned the Canadian helmer the director award, and also allowed him to pick up the actor prize for his protag, Emmanuel Bilodeau. Rounding out the main competition salutes, actress laurels went to Jasna Duricic for the Serbian drama "White White World," directed by Oleg Novkovic.
The jury for the Filmmakers of the Present sidebar awarded its Golden Leopard to "The Art of Speaking" ("Paraboles"), part five of French docu helmer Emmanuelle Demoris' "Mafrouza" series on a slum in Alexandria, Egypt. Second prize went to U.S.-France co-production "Foreign Parts," directed by Verena Paravel and JP Sniadecki, who also took the first-feature prize.
A panel of Variety critics gave the Variety Piazza Grande Award to Jalmari Helander's tongue-in-cheek adventure story "Rare Exports: A Christmas Tale," in acknowledgment of the Finnish pic's combination of artistic and commercial merits.
The public's prize, sponsored by Swiss bank UBS, went to Eran Riklis' feel-good yarn "The Human Resources Manager."
A sense of renewed energy was in the air, due in large part to a general feeling of expectation and confidence in Pere's ability to steer the fest toward resurgence.
The former Cannes Directors' Fortnight topper slimmed the fest down, reducing the number of films to 280 from last year's 397, and was unafraid to showcase titles that skirted controversy.
Fest prexy Marco Solari expressed unbounded enthusiasm for the new director at the close, praising Pere's championing of youth, courage, freedom and a commitment to international coverage.
For the first time, Locarno also hosted three days of industry screenings and meetings, attended by 900 accredited delegates including 242 buyers. Among the companies represented were IFC, Visit Films and Artificial Eye. The event is expected to become a permanent fixture in the post-Cannes, pre-Toronto landscape.


text:
BREVARD, N.C. – In their opening action of the 2011 season against another set of Tornados, Morgan Shelton and the King College women's soccer team started this year's campaign on the right foot with a 2-0 shutout victory over the Brevard College Tornados earlier today.
The senior out of Chattanooga, Tenn. led the King offense taking seven of the team's 12 shots on goal. Of her five shots between the posts, two of those found the back of the net for her first scores of the year.
Morgan's first score came in the seventh minute of the opening half after acquiring ball possession inside the BC goal box. Attempting to sharpshoot a shot into the high-left corner, Morgan's boot deflected off of a Brevard defender and skipped past the diving goalkeeper to give King a 1-0 advantage early.
King (1-0) doubled its lead in just after the turn of the 75th minute when Morgan nailed her second goal of the game. After receiving a pass from freshman Monica Aguirre (Miami, Flor.) at the top of the box, Brevard keeper Crissy Moran came out to challenge Morgan's next move. From approximately 18 yards out, Morgan lofted the ball up and over Moran and watched it nestle into the lower right corner of the Brevard goal.
"Everybody stepped up today," said first-year head coach Simon Duffy. "It was a total team effort and Morgan put the icing on the cake with a two-goal performance. Everybody came to play today and that's great for it being our first game."
Abbey Kitts (Tazewell, Va.) earned her first win of the season by making three saves in her 90:00 of play. Brevard challenged Kitts and the King defense, outshooting them 17-12 in the match. The King defense did not allow a shot on goal in the second half.
"Our defense put some good pressure on the ball, but overall it was a great team performance," said Duffy. "I am very happy with the team for hanging in there. It was a tough game and they are a very good team."
Duffy said of his senior Morgan, "With it being her senior year I challenged her to have a standout year. Judging by today, I think the challenge is going well, so far."
King will take to the road one more time before their home and Conference Carolina opener on Sept. 10 against Limestone. The team will travel to (Harrogate, Tenn.) for a Sept. 7 match at Lincoln Memorial at 2:00 p.m.


text:
A rollicking around-the-world adventure, Portland, OR's globe-trotting "little orchestra" Pink Martini returned in 2016 with their ninth studio album Je di oui! It features a cavalcade of songs – many of them original – in French, Farsi, Armenian, Portuguese, Arabic, Turkish, Xhosa and English, and affirms the band's 22-year history of global inclusivity and collaborative spirit.
Je dis oui! – which means "I say yes" in French – is the optimistic mantra of the chorus of "Joli garçon" ("Pretty boy"), one of three songs co-written by the band for the film Souvenir, starring the legendary French actress Isabelle Huppert.
In addition to songs sung by lead singers China Forbes and Storm Large, Je dis oui! also includes guest vocalists from NPR's Ari Shapiro (who sings a new Arabic version of "La Soledad" from the band's first album) and Rufus Wainwright, who sings a stunning version of the Rodgers & Hart classic "Blue Moon." The album also marks the singing debut of two long-time friends of the band: Ikrom and Kathleen Saadat.
No interest if paid in full in 12 months
Check out the newest Music Direct catalogs
Place a qualifying order over $49* and receive FREE DOMESTIC GROUND SHIPPING.
When your order subtotal reaches $49 in the shopping cart the shipping charge for associated qualifying items will automatically be adjusted on your order. If you continue to see a shipping charge on your order, please check the exclusions listed below.
*Ground shipping to the 48 contiguous states only (FPO/APO excluded).
**Orders must be at least $49, before tax, to qualify.
This offer also excludes Oppo, demos, closeouts/sale items and freight shipped items.
This offer cannot be applied to previously placed orders.
Music Direct reserves the right to select the carrier and ship method within the terms of this offer.
Music Direct reserves the right to change the terms of this promotion or discontinue this offer at any time.
This offer is not included on any shipments to FPO/APO addresses. Music Direct will contact you with shipping charges for these addresses.
Customers can choose an alternative expedited shipping method but it will not qualify for this free shipping offer.
Music Direct will not charge additional shipping for any back orders items. Orders will be held to ship all back ordered items together when they are all received in stock.
Please Note: Orders that are less than $99 are not guaranteed to ship via FedEx. The ground shipping method used will be determined at Music Direct's discretion. Average ground delivery time ranges from 7-14 business days. Music Direct does not guarantee delivery within that specified time period.
At Music Direct our message has always been clear: It's the music that matters! As the leading seller of audiophile products, we stand behind the quality of our goods. Our shipments are carefully inspected and packed before leaving our warehouse, but in the event you are not satisfied with your purchase, please take note of the following return policy:
Music Direct offers a 60-day money back guarantee on most equipment/accessories (excluding fluids, pastes, aerosols and special order items, none of which are returnable).
We'll require an explanation for the return (defective, damaged, etc). Don't be surprised if we ask you some pretty detailed questions about the reason for your return. Hearing first hand what our customers are experiencing will enable us to provide you with the best possible service.
Returns will not be accepted without a Return Authorization #, or RMA# which must be obtained by phone or email. An RA must be obtained within 60 days of the purchase, and Music Direct must receive the package within 15 days of issuing the RA. Note that after 60 days all sales are final. Please write your RA# on the outside of the shipping box (not the product box). Failure to do this will delay the processing of your return. Your return package must include the following: all original packing materials, including cables, power supplies, instructions, remote controls, warranty cards, etc. Your package must arrive in resalable condition. If these instructions are not followed your return will not be accepted.
If your return package is deemed acceptable after inspection, Music Direct will refund or exchange the returned item. Music Direct will absorb the shipping costs in the case of defective merchandise via USPS. Please note that if defective merchandise proves to be non-defective upon inspection, or if Music Direct otherwise determines the customer is exercising chronic abuse of the return policy, the customer will be charged a re-stocking fee at Music Direct's discretion. Music Direct also reserves the right to impose a re-stocking fee at our discretion for any returned item that is damaged, cosmetically dinged or returned missing accessories. Also please note, if you received Free Shipping with your initial order and you returned the non-defective item, we will deduct the initial shipping fee from your refund. Any and all packages that are refused delivery and sent back to music direct without an RMA number will not be refunded the initial shipping charge and a restocking fee will be added to the return.
We strongly recommend sending your return package via UPS or FedEx so it can be insured and tracked (this is especially important with heavy, fragile, and more expensive items). If a return is sent via US Mail, then the customer accepts all responsibility if the package is lost, stolen, or damaged in transit. Music Direct is not liable for any uninsured packages.
A note about phono cartridges and music titles:
Phono cartridges and music titles are non-refundable and returnable only if they are defective. If by rare occurrence you receive a defective cartridge or music title, they may only be exchanged for the same item. In the case of phono cartridges, they must be deemed defective by the manufacturer before they can be exchanged. Please make sure phono cartridge problems are not due to user error as the item will not be returnable in such cases.
At Music Direct, we strive to provide the best possible customer service. If you are experiencing problems/difficulties with your merchandise we recommend consulting our highly qualified staff of audio specialists before returning any items as they may be able to help you resolve any issues.
We look forward to providing you with the best customer service in the future.
Contact Music Direct at: 1-800-449-8333 / 312-433-0200 / [email protected]
Email Customer Service
Chicago, IL 60660


text:
Expedia Verified Reviews
Don't miss out on a lower price on this property
Get an overview of this hotelFamily-friendly Cape Town guesthouse in Constantia with free parking
Popular property highlights
This family-friendly Cape Town guesthouse is located in the historical district, within 3 mi (5 km) of Constantia Village, Eagles Nest and US Consulate General. Kirstenbosch National Botanical Gardens and Cavendish Square are also within 6 mi (10 km).
Property Features
Along with an outdoor pool, this guesthouse has a bar/lounge and a coffee shop/café. Free WiFi in public areas, free self parking, and a free manager's reception are also provided. Other amenities include an outdoor tennis court, a spa tub, and coffee/tea in a common area.
Room Amenities
All 10 individually decorated rooms feature free WiFi and Select Comfort beds. LCD TVs with satellite channels and DVD players provide a bit of entertainment, and guests will also appreciate thoughtful touches like bathrobes and slippers.
Languages Spoken
- English
Nova Constantia Boutique Residence
Guest House Amenities
Guest House Amenities
In addition to an outdoor pool, Nova Constantia Boutique Residence provides an outdoor tennis court and a spa tub. The guesthouse offers a coffee shop/café. A bar/lounge is on site where guests can unwind with a drink. A complimentary manager's reception is offered on select days. A computer station is located on site and wireless Internet access is complimentary.
This luxury guesthouse also offers a library, a terrace, and tour/ticket assistance. For a surcharge, the property provides a roundtrip airport shuttle (available 24 hours) and an area shuttle. Onsite self parking is complimentary.
Nova Constantia Boutique Residence has designated areas for smoking.
- Barbecue grill(s)
- Express check-in
- Picnic area
- Library
- Bar/lounge
- Coffee/tea in common areas
- Babysitting or childcare
- 24-hour front desk
- Free grocery shopping service
- Billiards or pool table
- Porter/bellhop
- Express check-out
- Tours/ticket assistance
- Year Built 2008
- Coffee shop or café
- Free self parking
- Dry cleaning/laundry service
- Free WiFi
- Babysitting or childcare (surcharge)
- Outdoor pool
- Computer station
- Safe-deposit box at front desk
- Area shuttle (surcharge)
- Terrace
- Free reception
- Luggage storage
- Concierge services
- Designated smoking areas
- Outdoor tennis court
- Laundry facilities
- Spa tub
- Total number of rooms - 10
- Television in common areas
- Number of floors - 3
- Number of buildings/towers - 3
- Wedding services
- Airport transportation (surcharge)
- Garden
- Fireplace in lobby
- Free newspapers in lobby
Available in all rooms: Free WiFi
Available in some public areas: Free WiFi
Languages Spoken
- English
- Afrikaans
- Czech
- Polish
- Xhosa
Free self parking
Room Amenities
- Premium TV channels
- DVD player
- Hypo-allergenic bedding available
- Premium bedding
- Air conditioning
- Access via exterior corridors
- Phone
- Refrigerator
- Minibar
- Coffee/tea maker
- Daily housekeeping
- Turndown service
- Designer toiletries
- Bathrobes
- Free toiletries
- Hair dryer
- Bidet
- In-room massage available
- Slippers
- In-room childcare (surcharge)
- Desk
- In-room safe
- Electric kettle
- Satellite TV service
- Free WiFi
- Blackout drapes/curtains
- Room service (24 hours)
- Individually furnished
- Individually decorated
- Sleep Number by Select Comfort mattress
- Free cribs/infant beds
- Heating
Where to Eat
The guesthouse offers a complimentary manager's reception on select days.
A complimentary grocery shopping service is offered and guests can order late night fare from 24-hour room service.
Nearby Things to Do
An outdoor pool and a spa tub are on site. Other recreational amenities include an outdoor tennis court.
The recreational activities listed below are available either on site or nearby; fees may apply.
- Water skiing nearby
- Golfing nearby
- Snorkeling nearby
- Parasailing nearby
- Rock climbing nearby
- Surfing/boogie boarding nearby
- Mountain biking nearby
- Tennis lessons on site
- Windsurfing nearby
- Ziplining nearby
- Bicycle rentals nearby
- Ecotours nearby
- Boat tours nearby
- Hiking/biking trails nearby
- Golf lessons available nearby
- Kayaking nearby
- Sailing nearby
- Scuba diving nearby
- Scooter/moped rentals nearby
If you have requests for specific accessibility needs, please note them at check-out when you book your room.
- Accessible bathroom
- Roll-in shower
- In-room accessibility
Guest House Policies
Check-in time ends at 2 AM
Check-in time starts at 1 PM
Minimum check-in age is 18
Special check-in instructions:
Check-out time is 11 AM
Payment types
Children and extra beds
- Children are welcome.
- Rollaway/extra beds are available for ZAR 500.00 per day.
- Free cribs (infant beds)!
- Pets not allowed
You need to know
Extra-person charges may apply and vary depending on property policy.
- Resort fee
Optional extras
- Airport shuttle fee: ZAR 450 per vehicle (one way)
- Rollaway bed fee: ZAR 500.00 per day
Guest house Name
- Constantia Nova
- Nova Constantia
- Nova Constantia Boutique
- Nova Constantia Boutique Residence
- Nova Constantia Boutique Residence Cape Town
- Nova Constantia Boutique Residence House
- Nova Constantia Boutique Residence House Cape Town
- Nova Boutique Residence House
- Nova Boutique Residence
We should mention
This property's policy is to refuse certain bookings for the purpose of group events or parties, including pre-wedding stag/bachelor and hen/bachelorette parties. This property offers transfers from the airport (surcharges may apply). Guests must contact the property with arrival details 24 hours prior to arrival, using the contact information on the booking confirmation. A resort fee is included in the total price displayed.
National Rating
Quality Graded by the Tourism Grading Council of South Africa (TGCSA) – South Africa's official quality assurance organization.


text:
株式会社 朝日広告社
Terry Espiner, Health Sector Manager at Cisco shares his thoughts at the WIRED Health 2014 event.
WIRED Health is designed to introduce, explain and predict the coming trends facing the medical and personal healthcare industries.
We rated the 90 experience:
Getting started is super easy. Just fill out simple quote request form and one of our video consultants will get back to you, fast.Start Project
15 Sale Street Auckland
Biz Dojo 38, Vivian Street CBD Wellington
435 China Basin St, San Francisco, CA 94158


text:
The most common version has three layers-- the bottom layer is a graham cracker and Dutch chocolate crust, glued together by butter, egg and walnuts (or pecans) and coconut. I have never added the coconut, because coconut is a love/hate kind of ingredient that I don't want to take chances on. I love coconut, but some of my family members don't. The middle layer-- ah, that's my favorite part. It's a buttercream. I've seen recipes that call for vanilla pudding mix, but I only use Bird's Eye Custard-- it's a must. (Please take note of the Bird's Eye Container -- which was unopened-- that claims "Easy to Open".)
website, and read the ingredients. Everything looked just as I remembered-- yep, I was ready. I had my four professional size cookie sheets ready to go. I was all set up for the assembly line:
their recipe is so, so ... not authentic! But, I need to practice forgiveness! I forged on, and made the buttercream.


text:
i have a Garmin Etrex Legend C. (not Cx)
having just moved to AR from CO , i have a lot of CO topo maps in my garmin that i obviously dont need anymore.
does anyone know how to delete those maps?
or, if i buy new AR maps for it, does the new data 'overwrite' the old data when i load it?


text:
Local of the Graphic Communications International Union that represented over 1000 bindery workers in the Holyoke, Massachusetts area. Records include detailed minutes, shop reports, committee reports, reports of delegates sent to the Holyoke Central Labor Union and national conventions, copies of agreements, notes on contract negotiations, copies of three newsletters, and subject files that document activities as well as the emergence of factionalism within the union.
- Carrying on
- Collective bargaining--Paper industry--Massachusetts --Holyoke--History--Sources
- Holyoke (Mass.)--Economic conditions--Sources
- Labor unions--Massachusetts--Holyoke
- National Blank Book Co.--History
- Old unionist
- Paper industry workers--Labor unions--Massachusetts--Holyoke
- Graphic Arts International Union. Local 48B
- International Brotherhood of Bookbinders. Local 48
Types of material
- Newsletters


text:
Cambridge Health Alliance (CHA) is accredited by the Joint Commission and is comprised of three hospital campuses, Cambridge Hospital, Somerville Hospital and Everett Hospital. We are a Harvard Medical School teaching affiliate and there is excellent interdisciplinary cooperation and collegiality amongst the training programs at the institution.
The podiatric medicine and surgery residency is authorized for a total of six residents, two in each year of training. The residency is designed in a rotational structure with an emphasis on resource based, competency driven, and assessment validated training.
The resident is provided with a greater responsibility in patient care and decision making as they progress through their training. These experiences coincide with a complimentary curriculum of didactic activities such as journal club, skills workshops, case review and lectures. The residents and attendings have teaching responsibilities to students, medical staff / house officers and the surrounding communities. Research opportunities are readily available and a requirement for program completion.
Due to a combination of community-based and regional referral patient mix, the medical and surgical volume and diversity is exceptional. The residents are fully integrated into two active outpatient podiatric clinics which allow for involvement throughout a patients' medical or surgical management. The residents also scrub and assist in surgery at local hospitals that are not part of the CHA system.
Clinical affiliations with all of the podiatric medical schools allow third and fourth year podiatric medical students to rotate through CHA on a monthly basis to augment their clinical curriculum. Students are actively involved in the clinic, operating room, emergency department and all didactic activities.


text:
Wedgwood PrestigeOrchid Low Server-Discontinued 091574182414
750Orchid china is inspired by the strong colors and overwhelming natural beauty of these majestic flowers. The stunning design features wide gold bands and richly gilded handles -- epitomizing the opulence of Wedgwood Prestige. While, depictions of hummingbirds add a touch of whimsy to the nature-inspired design.


text:
Our degrees and programs prepare you for work as a research technician, teacher, or student in health-related professional schools such as medicine, dentistry, veterinary medicine, physician assistant or physical therapy.
We currently have alumni continuing their education in graduate schools studying such things as medicine, dentistry, physician assistant, biotechnology, cell biology, plant pathology, forestry and animal nutrition.
During your time at LeTourneau, you will have the opportunity to participate in undergraduate research projects with members of our faculty. Students on the Wheels team are ensuring disabled children in Kenya have functional wheelchairs.
As a student in the Department of Biology at LeTourneau University, faculty and staff will invest time and energy in you and your education. We strive to:
As the biology department, we teach:


text:
|Environmental stewardship rewards Freudenberg Politex
LCA supports the benefits of carbon footprint reduction programs
Today most industries strive for sustainability. Nonwovens producers are switching to recycled raw materials, however at Freudenberg Politex we believe that recycling is not enough. Since the early 90s we have been pioneers in producing in-house polyester fiber from post-consumer PET bottles, which was our competitive strength for going green. Our continuous efforts in improving our environmental impacts have gone much further since then.


text:
When I see my quote about the new batch of Y Combinator companies printed in this CNET article by Daniel Terdiman it just looks weird to me, different than how it sounded to myself when I thought/said it (bolded the part about the innocents):
While some of the teams that are part of Y Combinator include tech industry veterans, many are made up of first-time entrepreneurs, and that's something Arrington finds refreshing.
Arrington said he appreciates that the teams coming out of Y Combinator tend not to be jaded and are mainly made up of "young guys that have never been screwed over" by standard Silicon Valley politics. And these teams are "re-energizing Silicon Valley with the fresh blood of innocence," he said.
Of course, Arrington has a vested interest in the success of many of the companies presenting here. He said CrunchFund will likely invest in about 15 of the startups in the current Y Combinator program.
I meant "innocents" not "innocence" but the meaning clear. Only in print it sounds so jaded and sinister – like we're sending lambs to slaughter.
What I was thinking when I said that is more about the "man in the arena" stuff, how entrepreneurs should fight on in the face of constant criticism from the press and other people who express jealousy through criticism, as well as the exhausting, cumulative and soul destroying wear and tear that entrepreneurs endure as willing or unwilling participants in Silicon Valley politics.
If you're an entrepreneur, you know what I mean. If you aren't, you probably don't.
Anyhow, back to Y Combinator. Twice a year I get to sit in on a magical event, where dozens of new bright eyed and bushy tailed founders get on stage and show the world what they've built.
They talk about how they want to change the world. And no matter how absurd their dreams (one founder today said "our software will literally be installed on every Internet connected device in the world"), I can't help but be swept up in the moment.
So what if a year from now some of these founders will have failed miserably. So what if others get churned through the machine and come out the other end a little less than whole. A few will become giants and lead future generations of entrepreneurs. And in six months or so a whole new batch of 'em will be coming through again. And they'll be just as bushy tailed as the last ones were.
Today was a good day in Silicon Valley. It was Y Combinator Demo Day, where everyone is a unique and special flower, with nothing but happy days full of promise to come.


text:
Windham High School principal honored
MEREDITH - After 19 years as an educator and four years as principal at Windham High School, Thomas Murphy was given the New Hampshire Association of School Principals' Charles A. Napoli Secondary Principal of the Year award.
Murphy and other state educators were honored at a ceremony at Mill Falls in Meredith on Thursday.
Murphy was cited as the top principal because he "embodies everything that is exemplary about being a principal in his capacity as lead teacher, cultivator of innovation, purveyor and disseminator of best practices, and advocate for excellent teachers," NHASP officials said.
He was proud of the honor.
"It's rewarding, and we don't expect this kind of honor as educators, so it is special," he said. "It's more a reflection on the school's progress as a whole though."
The Assistant Principal of the Year honor went to Sharon Putney of Thorntons Ferry Elementary School in Merrimack, who "not only had a positive impact on her school but has also contributed to successful initiatives throughout her district," officials said in presenting her with the award.
The Elementary School Principal of the year award went to Pam Stiles of Chichester Central School, who was cited for bringing reality to the "Follow the Child" concept.
The Middle School Principal of the Year Award was given to Kevin Richard of the A. Crosby Kennett Middle School in Conway. He was cited for promoting a positive learning culture and applying the best practices for student learning.
The group's Role Model Awards went to Assistant Principal Pamela Hill of Merrimack Valley High School in Penacook, Michael Lepene of Frances Richmond Middle School in Hanover, Jo-Ann Georgian of Sandown North Elementary School in Sandown, and Brian Stack of Sanborn Regional High School in Kingston.


text:
|Pittsboro, N.C.
|High School:
|Chatham Central
2011-12: Three-year letterwinner ...tremendous all-around player with natural instincts to score and rebound ... moves well without the ball and is difficult to guard ...enters her senior campaign having played in 74 career games with 64 starts ... ranks ninth on the all-time scoring list with 1,042 points ... is also tied for fifth on the all-time rebounding list with 653 rebounds ... has notched 26 career double-doubles.
2010-11:Played in 21 games during her junior season after missing the first six games of the season while studying at the Duke University Marine Lab ... earned Second Team All-ODAC laurels and was tabbed the ODAC Women's Basketball Scholar-Athlete of the Year ... averaged 14.6 points, 7.4 rebounds, 2.4 assists and 2.0 steals per game ... shot 45.9 percent (105-229) from the floor and drilled 92-of-113 (.814) free throws ... also hit 5-of-8 (.625) three-point attempts ... had 14 double-digit scoring efforts and logged four double-doubles ... notched 26 points on 11-of-14 shooting from the floor, dished out eight assists and grabbed seven rebounds in a 76-56 win over Southern Virginia (1/18) ... registered 16 points and 18 rebounds in a 67-59 loss at Bridgewater (2/5) ... recorded 26 points on 12-of-12 shooting from the foul line during a 67-58 win over Randolph-Macon (2/8) ... set a W&L single-game scoring record with 39 points on 11-of-15 shooting from the floor and 16-of-18 shooting from the foul line in a 72-60 win at Lynchburg (2/18) ... tied the school record with 12 assists, to go along with 10 points and five rebounds in an 86-56 win over Eastern Mennonite in the quarterfinals of the ODAC Tournament (2/24).
2009-10: Recipient of Division III News Honorable Mention All-America, WBCA Honorable Mention All-America, D3Hoops.com Third Team All-Region, First Team All-ODAC and ODAC All-Tournament accolades during her sophomore campaign ... appeared in all 28 games and recorded a program-record 15 double-doubles ... finished the campaign with 424 points, the fourth-best season total in program history … also finished third on the school's single-season list for free throws made (133) and attempted (169) … finished just two rebounds shy of the school record for most boards in a season with 305 … led the team in scoring during 15 contests, rebounding in 23 games and held the lead in both categories 14 times … led the team in scoring and rebounding for the season with averages of 15.1 points and 10.9 rebounds per game … her rebounding average was second-best in the ODAC, while she led the conference in defensive rebounding (7.6) ... finished third in assists (68) and steals (43) … recorded 13 rebounds and a season-high 31 points in a 69-66 triumph over Guilford (1/29) … grabbed a career-high 19 rebounds while finishing with 16 points in a 55-52 loss at Guilford (12/2).
2008-09: Played in 25 games with 24 starts … named Honorable Mention All-ODAC … led the team in rebounding (7.7) and was second on the team in scoring (12.4) … finished second on the team with 78 assists and also had 48 steals … shot 40.9 percent (106-259) from the floor and 75.6 percent (99-131) from the foul line … had 16 double-figure scoring games and posted seven double-doubles … led the team in scoring during seven games and was the team's leading rebounder on six occasions … scored a season-high 29 points and grabbed 10 rebounds in a 94-77 win over Lynchburg (1/9) … scored 20 points, grabbed a season-best 15 rebounds, nabbed a career-high eight steals and had six assists in a 76-72 loss to Bridgewater (2/21) … posted 21 points and nine rebounds in a 77-65 loss to Bridgewater in the ODAC Tournament (2/26) … registered 14 points and a career-best 11 assists in a 71-69 victory at Eastern Mennonite (1/13).
High School: Lettered in basketball and soccer at Chatham Central ... named the school's Athlete of the Year and Conference Player of the Year in basketball and soccer as a senior ... also earned basketball and soccer MVP award ... was the class salutatorian.
Personal: Serves as the head of the Compost Crew ... also active with SEAL and College Democrats ... serves as a volunteer for Campus Kitchens and at a wildlife rehab center ... spent the summer researching nutrient loading in the Chesapeake Bay Watershed ... biology and enviromental studies double-major.


text:
Downsizing Blog
The Government IS Creating Jobs
Kent Conrad and Fiscal Federalism
Senator Kent Conrad (D-ND) has a reputation for being a "deficit hawk." But the bar is apparently so low in Washington that merely paying lip service to "fiscal responsibility" is enough to earn you the hawk title in the press. In reality, Conrad is a tax and spender as a story in today's Wall Street Journal demonstrates.
FHA Bailout Watch
The Federal Housing Administration has been one of the government's main instruments for propping up the housing market in the wake of the housing bust. But as has been widely reported, the FHA is in danger of needing a taxpayer bailout because of rising defaults on mortgages it insures.
Obama Budget Still Goes to the Moon
The president's new budget proposes to end NASA's Constellation program, a Bush initiative intended to put humans back on the moon by 2020. But Obama's $3.8 trillion budget still goes to the moon figuratively—if you stacked 3.8 trillion one dollar bills, the pile would reach the moon with 20,000 miles to spare!
Deficit Prognostications
Obama's Budget Worse than Bush
In the defensive-sounding statement released with his budget this morning, President Obama repeatedly blames the previous administration for leaving him in a position where he had "no choice" but to send the nation deeper into debt. He blames "irresponsible risk-taking and debt-fueled speculation—unchecked by sound oversight" for a deep recession that he speciously claims his administration's massive spending prevented from becoming a depression.
State and Local Subsidies
Earlier this week I criticized the U.S. Conference of Mayors for going to Washington and groveling for more federal hand-outs. Let me provide some more background for my criticisms with a look at federal budget data. The first chart shows that since 1960, total federal subsidies to state and local government have increased an astounding 1,173%.
Food Stamps = Economic Driver?
Obama's Spending Freeze
President Obama is apparently planning to freeze a portion of federal spending for three years. The portion to be frozen is discretionary spending less spending on defense, homeland security, and veteran's affairs. That portion of spending–about 13 percent of the overall budget–would be held to $447 billion between FY2010 and FY2012.
Mayors Want More Federal Money
Hundreds of city leaders are in Washington for the winter meeting of the U.S. Conference of Mayors. Considering that winter weather in our nation's capital is about as warm as Barney Frank's personality, there's only one reason for the mayors to meet there: grovel for more federal hand-outs.


text:
ROBERT — A 74-year-old man died early Saturday in a single-vehicle crash on Interstate 12 West about a half-mile west of the La. 445-Robert exit, a State Police spokesman said.
Sandra Thomas, 55, of Hammond, was driving a 2003 Jeep Grand Cherokee shortly after midnight when the vehicle drifted off the right side of the road and spun clockwise before hitting a tree on its left front side, Trooper 1st Class Nick Manale said in a news release.
The vehicle continued into the tree line and struck a second tree with its rear end, Manale said.
The right rear passenger, Henry Conley, 74, of Hammond, was partially ejected from the vehicle and died in the crash, Manale said. He was not wearing a seat belt.
Thomas and her front seat passenger, Bernard Melton, 67, of Hammond, received minor injuries, Manale said. They were wearing seat belts.
The left rear passenger, Linda Willis, 60, of Hammond, also was properly restrained and sustained moderate injuries, Manale said.
Neither impairment nor speed are suspected as factors in the wreck, but the investigation is ongoing, Manale said.


text:
David B Haight Alumni Center Directions & Parking
Parking for guests and visitors to the David B Haight Alumni Center is available in the front circle drive. There are eight parking spaces for the bridal party and/or family, and one handicapped stall. The Aggie Terrace is also available for free with an event rental.
The Alumni House cannot be responsible for parking tickets incurred by guests who park illegally. Please be responsible for informing your guests concerning parking policy to avoid confusion or improper parking. In the event that you or your guests receive a ticket they want to contest, call Transportation & Parking at 435-797-3414.
Downloadable map and directions.
Directions to the Alumni Center
From Logan's Main Street going North, turn East (right) onto 4th North (University Blvd).
Turn left on the first road to your left after the 600 East stop light (top of the hill).
Keep to your left and follow the road (Champ Drive) around Old Main to the turnabout at the end of the road.
The Alumni Center is on the left across from the Widtsoe Hall (yellow brick building).
You may enter into the Aggie Parking Terrace from the front of the Alumni House.
Directions to the Aggie Parking Terrace
To park in the Aggie Parking Terrace, turn East on 500 North.
Left on 700 East and right into the parking terrace (bottom of the hill).
If the gates are down, use the right lane and take a ticket (the ticket code and tokens will allow you to exit).
Park on any level and take the B elevator (located on the South side).
Select the UL button which will take you to the University Level.
Exit to your right.
Continue right to the Alumni Center.
Parking facilities cost $.75 for 30 minutes. Coins, tokens, and credit cards are accepted. (Free parking with event rental.)


text:
Back to main page
Poor dramatized the early years of Penn State with extreme sensitivity. On the north wall, he portrayed symbolically the University's activities in agriculture, mineral industries, and engineering around heroically scaled likenesses of Abraham Lincoln and a young student planting a tree. The color scheme was purposefully controlled, ranging from severely restrained tones to brighter colors.


text:
Matt's fantastic, keeps you in the loop completely with what's gone wrong and what needs to be done. Tells you all of the costs so you can make your own decision and has clearly invested in the best equipment and staff available to make sure it's all done properly. Easily the best quote I received, very fair on price and brilliant service. Would definitely use again!
Really pleased with the service from Mat, job completed on time they even found a problem i never knew about professional and curteous definitely recommend
Very good service. Will be recommending to friends and family.
Matt at Motortechs was professional, knowledgeable and quick to update me with any developments in the job. Utilising various services at Motortechs they were able to resolve the issue I came in with and various other things I has been meaning to look at. I was offered various solutions aimed at keeping the costs as low as possible. A few months later my car is running perfectly and I will be returning with any motoring issues I have in the future.
They contacted me very quickly . The job was cried out the following day professionally and I also arranged for some additional work which was carried out within days at a time suitable to me . I'm really pleased with the the work a and the price and would def recommend them
Superb service backed by great technical knowledge and experience. Has completely restored my faith in independent garages after recent poor experiences.
Brilliant. Friendly, helpful and efficient. Would srongly recomend this garage. Price increase was due to extra work, but all completed in less than a day
Andy collected my car, completed the work and dropped it back to me - he made the experience very easy for me and at a great price too. Thanks very much!
Excellent service Andy picked my car up took it away! Fixed it 2 hrs later he drove it back to me ...made my day excellent service I would highly recommended to anyone fantastic I will certainly take my car back for a service. ..well worth travelling to Essex fantastic thankyou Andy your a star ..m
I highly recommend Andy and automotive car clinic, I had a alternator replacement which was carried out in a speedy and very reasonable price, was happy that I was charged less than the original quote, will definitely use automotive car klinic again.
All very easily done. They were communicative and helpful and considering the work done very reasonably priced. I wold definitely use them again.
It was perfectly fine and quickly
Had recently bought my car so was in a rush to have it looked at to end my concerns. They looked at my car within a about an hour of messaging me, i arrived and they took it straight in and sorted it. was only a light issue in the end but they got it straight back on the road for me and i really appriciated it, top work!
I was very pleased, thank-you and have returned for other repairs since, as I was very satisfied with the work done and friendly professional staff. This was an unusual repair as I wanted a second-hand axle as well as the repairs. I was really impressed that the staff were able to source an axle and then offer a price that I thought was very fair. Well done and thanks again. I have a few cars in my household and we will be using your garage now :)
I used Uncle Toms a few times under their previous owners however was often unsure they had actually completed the work they were charging me for, so you can imagine I was very sceptical when they provided a cheap price on here. I had been meaning to do oil and plugs on my wifes car for a few months but havent had the time and now its getting cold/wet I didnt really fancy doing it, the price quoted with using my parts was £42, we dropped the car off, the work was done, we collected and paid £42. cant say fairer than that. I had been using an alternative garage over recent years but based on today I would happily consider Uncle Toms again under their new management
Great service - had major problems with my Jaguar xk8, particularly with ABS. Fairway Motors arranged for ABS pump to be refurbished and resolved several other issues following diagnostic check. Fully consulted with me at every stage. So pleased to have the benefit of their expertise and service. So glad to make contact with them. Many thanks


text:
Syria peace talks stir to action, despite glitches
MONTREUX, Switzerland (AP) -- Diplomats hustled to smooth out last-minute hang-ups for this week's peace conference on Syria, playing down expectations Tuesday for a gathering thrown into confusion by a threatened opposition boycott and a refueling glitch that delayed the Syrian government delegation.
A new report emerged on Syrian regime atrocities, written by three former war crimes prosecutors who said they received thousands of photographs documenting torture and executions from a defector within the Syrian government. The report, which could not be independently verified, was commissioned by Qatar, which has been deeply involved in the conflict and is attending the peace conference.
Its emergence Tuesday appeared timed to affect deliberations at the peace conference. Participants in the talks diverge sharply on their scope, with the Western-backed Syrian opposition saying its goal was to establish a transitional government "in which killers and criminals do not participate."
International diplomats have built up the importance of the talks for weeks, insisting that there was no other way out of the war that has killed more than 130,000 people. But they have simultaneously lowered expectations for a breakthrough. Russian news agencies, citing diplomatic sources, said the talks were expected to last seven to 10 days, then take a short break.
The front lines of the war have been largely locked in place since March, and despite suffering enormous losses, neither the government nor the opposition appears desperate enough for a deal to budge from its entrenched position.
"We must take small steps," said Frank-Walter Steinmeier, the German foreign minister, citing cease-fires and humanitarian corridors.
For some of the more than 2 million Syrian refugees scattered around the region, there was little hope that the peace conference nestled in the snow-capped Alps can deliver a solution to the conflict, and scant interest in a settlement with Syrian President Bashar Assad's government.
"We lost our faith in the international community. We don't care about the Geneva conference and whether it takes place or not," said Ibraheem Qaddah, a former rebel fighter now holed up in Jordan's sprawling Zaatari refugee camp.
"We have lost a lot of relatives and friends and family members in the fighting and we've lost Syria. We are not looking for reconciliation with Bashar Assad," said Qaddah, whose left arm was amputated after he was severely wounded in the war.
The opposition Syrian National Coalition nearly quit the peace talks before they started to protest the U.N. decision to invite Iran. The invitation was retracted after the opposition's ultimatum -- a decision that came under criticism from Iran and Russia, Assad's two most powerful backers.
High-ranking delegations were arriving Tuesday from the United States, Russia and close to 40 other countries attending. Face-to-face negotiations between the Syrian government and its opponents -- the first of the uprising -- are to start Friday in Geneva.
But it's also unclear how the opposition coalition, a weak and fractured umbrella group with almost no sway over the most powerful rebel groups inside Syria, could enforce any agreement reached in Geneva.
Both sides have traded allegations of human rights violations. In the latest report of atrocities, three prominent international war-crimes experts said they had received tens of thousands of photographs documenting what they called the systematic killing of some 11,000 detainees by Syrian authorities. The images, which were smuggled out by a defector from Syria's military police, showed victims' bodies with signs of torture and maltreatment.
Assad's family has ruled since 1970, and Iran is Assad's strongest regional ally. The Islamic Republic has supplied the Syrian government with advisers, money and weapons since the uprising against his rule began in March 2011. Iran's allies, most notably the Lebanese Shiite militant group Hezbollah, also have gone to Syria to help bolster Assad's forces.
The controversy over invitations to the talks highlighted fundamental differences over Syria, which has developed into a proxy war between Iran, the region's Shiite Muslim power, and Saudi Arabia, the Sunni heavy weight. It also has played out tensions between the United States and Russia, which has shielded Assad's regime from U.N. sanctions and continued to supply it with weapons throughout the civil war.
In Moscow, Russian Foreign Minister Sergey Lavrov said U.N. chief Ban Ki-moon's decision to rescind Iran's invitation was a mistake, but that the Kremlin would try to make the Geneva negotiations work.
"There is no catastrophe. We will push for a dialogue between the Syrian parties without any preconditions," Lavrov told reporters Tuesday.
Lavrov reaffirmed Russia's stance that the presence of Iran was essential for the success of the talks, saying Tehran's absence "isn't going to help strengthen the unity of the world's Muslims."
Iran's Foreign Ministry also sharply criticized Ban's diplomatic about-face.
"From our point of view, the withdrawal is deplorable," ministry spokeswoman Marzieh Afkham said, adding that the U.N. chief must have done so under immense pressure.
The last-minute flap over Iran's participation set a chaotic tone for the run-up to the conference.
In another bizarre twist, Syrian state TV said the government delegation stopped in Athens but couldn't leave because Greek authorities weren't allowing them to refuel the plane. The delegation, led by Foreign Minister Walid al-Moallem, was ultimately cleared to leave.
The Greek Foreign Ministry said the delay was caused by two private companies who refused to refuel the plane because of Western sanctions against Syria.


text:
We find deals from the very best ecommerce sites in South Africe, then list them together in one place, saving you time AND money.
or Sign up with:
Alreday a member? Sign in
R150 for a relaxing 1 hour Full Body Massage in Green Point
Selection of Pamper Packages from R299 for One at Skin & Body Matters
Full Set of Mink Eyelash Extensions with Optional Eyebrow Shape at Purr-Fect Lashes from R279
Relaxing 45-Min Back, Neck & Shoulder Massage for One or Two at Steam on Main
Choice of Deep Tissue Massage with Optional Cupping at Rose Day Spa
Choice of Full Body Massage, Facial and Foot Massage for One at Body Wisdom Spa
Half-Day Spa Package from R699 for One at Bakwena Spa Zevenwacht
A Full Manicure with Gelish, a Wash, Cut & Blow with an Intense Moisture Treatment, Highlight Foils or a Brazilian Blowout at Oayssis Hair & Beauty Bar
Saturday Night Under the Stars Spa Package from R849 for One at Bakwena Spa Zevenwacht
Indulge in pure decadence with a Choice of Luxurious Full Body Massages at Casuarina Wellness Centre, located in The 5-Star Cape Royale Luxury Hotel.
90-Minute Thai, Aromatherapy, Swedish, Hot Stone and Deep Tissue Massage at Aurora Beauty & Wellness Spa
Dental Consultation and Teeth Cleaning from R299 for One at Dentists @410
Half Day Spa Package Including Light Breakfast or Lunch for One or Two at Crystal-An Spa
Brazilian Blow-Dry from R349 for One at B-Hind Da Scenz Hair & Beauty
Escape to the luxurious Avara Boutique Day Spa at Dolphin Beach Hotel, and spoil yourself with a Relaxing Full Body Massage, Revitalising Facial, Cappuccino, Cookies, Take-Home Gift & More!
Couples Luxury: An Exclusive 2-Course Gourmet Dining Experience & an Afternoon Boat Cruise OR a Luxurious Couples Spa Package, an Exclusive 2-Course Gourmet Dining Experience & an Afternoon Boat Cruise!
Half-Day Spa Package from R549 for One at Bakwena Spa Velmore
Spa Packages from R299 at Westwood Beauty Spa
2-Hour Couples Pamper Package at Euel Beauty Lounge
60 or 90-Minute Manicure and Pedicure with Additional Treatments for One at Rejuvenations Health and Beauty Salon
Brazilian Blow Wave and Cut from R499 at DD's Hair @ Spa Afrique (Up to 69% Off)
2-Hour Spa Package for Two at Spa D'Sulis
R199 for a Wash, Cut Set, Treatment and Colour for One with Hair on 7th Avenue
Sandton: 60-Minutes Hot Stone Massage for One or Two at Euel Beauty Lounge from R139
Wash, Cut, Style and Treatment Plus Foils from R199 at DD's Hair @ Spa Afrique
Spa Manicure or Pedicure from R89 at Chique Wellness Spa
Deluxe Manicure or Pedicure from R99 at The Beauty Den
Century City: 90 Minute Choice of Full Body Thai Massages with a Body Scrub or a Thai Reflexology Session with Thai with Me
2-Hour Spa Package for Two Including Lunch or Dinner with Champagne or Wine at Shernard Spa
Hands & Feet Treatment Package at Spoil Yourself Hair and Beauty Centre
Half Day Spa Package for One or Two at Aurora Beauty & Wellness Spa


text:
Tip Sheets have been around since the late 80's and are a great help with technique and inspiration. From borders and patterns, to images and complete small projects, these Tip Sheets can guide any leatherworker to a higher quality end result.Download File Size: 1.9 mbPages: 2 What am I buying?Free patterns are available by adding them to your shopping cart and completing the checkout process.
Sign-up for Email News
ID Window Wallet
Bridal Bouquet Keepsake
Motorcycle Seat Bonus Tooling Pattern
Candle Holder
Money Clip Wallet
Ball Stand
Vista Handbag Kit 44303-00 Bonus Tooling Pattern
Pocket Notes Kit 4188-00 Bonus Tooling Pattern
Prices are in United States Dollars. Prices and the availability of items are subject to change without notice.
We are not responsible for typographical or photographic errors.
© 2015 Tandy Leather Factory. All rights reserved. The material contained within this website is protected by copyright and trademark by Tandy Leather Factory and may not be used, retransmitted or reproduced for any purpose other than for personal use.


text:
Collection Items
MapWar map, showing the vicinities of Baltimore & Washington, Scale ca. 1:450,000. LC Civil War Maps (2nd ed.), 241.5 "Entered according to act of Congress in the year 1861 by G. M. Hopkins." General map of eastern and central Maryland, Washington, D.C., and northern Virginia. Description derived from published bibliography. Available also through the Library of Congress web site as raster image.
- Contributor: Hopkins, Griffith Morgan
- Date: 1861
MapKriegsschauplatz von Nord-America. Theil von Maryland, Distr. Columbia und Theil von Virginien
Theil von Maryland, Distr. Columbia und Theil von Virginien | Kriegsschauplatz von Nord-America. Bird's-eye view of Washington D.C. region to horizon. Relief shown by shading and landform drawings. Does not show Civil War battle positions or other military features. Panel title/title in lower margin. Oriented with north to the bottom. Includes distance list. Available also through the Library of Congress Web site as a raster image. LC copy stained, wrinkled at fold lines, annotated in pencil, has...
- Contributor: Verlag Von A.D. Geisler - Anst. V. G. Henckel
- Date: 1862
Map[Map of northern Virginia and part of Maryland]. Relief shown by shading. Shows area south of Frederick, Maryland to Colchester, Virginia and west of Baltimore, Maryland to Harpers Ferry, West Virginia, including fortifications at Munson Hill. Note on verso obscured by mounting: From Capt. James W. Abert, U.S. Army Topog. Engrs. LC copy annotated in ink: Capt. James W. Abert, Capt. U.S. Army Topog. Engrs. Title, date, and scale from Stephenson's Civil...
- Contributor: Abert, J. W. (James William)
- Date: 1862
MapTopographical map of Washington, D.C., and vicinity. Showing the Union forts and defences built 1861-3. Detail from a printed map of the Potomac River region of Maryland and Virginia, and including Washington, D.C., which Sneden has annotated to show the locations of Union forts and picket lines.
- Contributor: Sneden, Robert Knox
MapPlan of the Rebel attack on Washington, D.C., July 11th and 12th, 1864. As a diversionary measure to take some of the pressure off of besieged Petersburg, Confederate forces under Jubal Early launched a northern offensive beginning in late June 1864. After stops near Harper's Ferry and Shepherdstown, W. Va., and Frederick and Baltimore, Md., they reached the outskirts of Washington, D.C., by July 11. Reconnaissance showed the Union had begun some intensive reinforcement, so an attack...
- Contributor: Sneden, Robert Knox
- Date: 1864-07-11
MapUnion forts on Maryland shore
[Contours of Union forts on the north side of the Potomac, 1862] : Shows the names and configurations of Union fortifications on the Maryland side of the Potomac River in 1862, and in some cases the name of the regiment that built the structure. This appears to be a companion piece to the image on p. 43.
- Contributor: Sneden, Robert Knox
- Date: 1861
MapMap of the state of Virginia
Map of Virginia "August 1863." "Lith. by Chas. G. Krebs." Accompanied by cover: Map of Virginia / compiled in the office of the United States Coast Survey. Washington, D.C. : W.H. & O.H. Morrison : 15 x 10 cm. Also covers Delaware, Maryland, West Virginia and parts of adjacent states. Shows cities and towns, roads, rivers, and relief by hachures. Map has concentric circles centered on Richmond,...
- Contributor: Nicholson, W. L. - Bache, A. D. (Alexander Dallas) - Krebs, Charles G. - United States Coast Survey - W.H. & O.H. Morrison (Firm)
- Date: 1863


text:
by yatsek » Sat Aug 24, 2013 10:39 am
by Josh Lewis » Sun Aug 25, 2013 4:15 am
by yatsek » Sun Aug 25, 2013 6:04 pm
Josh Lewis wrote:Images hosted from outside SP are okay but preferably to credit the author unless your the owner (I've done this at least once).
Josh Lewis wrote:Who wants to see a stolen page (info that they took with zero credits and possibly copyright) as one of the top rated of the week? Not me.
by Bob Sihler » Thu Aug 29, 2013 2:11 pm
yatsek wrote:SP is unique in that its rock/mtn/area/route pages are supposed to provide both good info and illustrative photos embedded in the text. What if most of the images featured on an SP page come from outside of SP, e.g. from Wikipedia? Should such a page not be thought of as a poor page, especially if there's little firsthand beta? Does it deserve a 10/10 or rather less than 6/10? (Over 70% of the votes cast on one recently posted page like that are 10s.)
by Scott » Thu Aug 29, 2013 2:26 pm
Should such a page not be thought of as a poor page
by Josh Lewis » Thu Aug 29, 2013 8:07 pm
[url=http://www.summitpost.org/phpBB3/both-beta-and-photos-t66051.html#]Both beta and photos[/url]
by Bob Sihler » Thu Aug 29, 2013 8:23 pm
by lcarreau » Thu Aug 29, 2013 9:57 pm
Bob Sihler wrote:
People vote mindlessly ...
Check out the votes on this picture, which I can say with 99% certainty is not the SP member's: http://www.summitpost.org/psychofatboy/863841.
Josh Lewis wrote:
Oh c'mon Bob, you don't like Burchey's photo of the day? Look at how well crafted that bird is flying with white glitter around it.
by yatsek » Thu Aug 29, 2013 10:26 pm
Bob Sihler wrote:This is part of why I do very little voting anymore. It's not just that people vote 10 too often on pages that don't deserve it; it's that many people seem unable to discern quality and authenticity. Or they are unconcerned about even trying.
by Scott » Thu Aug 29, 2013 10:44 pm
You guys are WAY too trigger-happy. All of you.
by yatsek » Fri Sep 20, 2013 9:20 am
Josh Lewis wrote:For a while now I've admired your willingness to break out of the conformity of SP voting habits. (...) Voting honestly enables the voting system to do it's intended job which is to sort content.
by Josh Lewis » Fri Sep 20, 2013 8:51 pm
by yatsek » Sat Sep 21, 2013 10:46 am
Josh Lewis wrote:Feel free to blow the whistle to us if you need bad votes removed. Revenge down votes are not taken kindly in these parts. It's rare, but I've seen revenge votes in the past. Hopefully they don't have much power behind them.
by Josh Lewis » Sat Sep 21, 2013 8:32 pm
by yatsek » Sun Sep 22, 2013 9:21 am
Users browsing this forum: No registered users and 0 guests


text: KINGMAN, Ariz. (AP) -- Charges against a northern Arizona rancher who assessed a fee for tourists headed to the Grand Canyon Skywalk have been dropped. Nigel Turner was arrested in early June and faced charges of threatening and intimidating construction workers. The Mohave County Attorney's Office had asked that the two misdemeanor counts be dismissed, saying it was in the interest of justice. A Kingman justice of the peace granted the request last week. Turner's attorney, Melvin McDonald, said Tuesday that Turner never should have been arrested for securing his own land. He applauded prosecutors for doing the right thing. Tourists no longer have to travel on Turner's property to reach the Skywalk. The Hualapai Tribe, which owns the glass bridging jutting out from the Grand Canyon, has built a bypass route.


text:
Kids and teens have resources available!
They can be accessed right here through OCSOC. Find the resource you need.
You're not alone! Orange County has services for families.
The Journey to a System of Care for Children's Mental Health - Take Action
The champions of System of Care have inspired our County to sustain and expand our efforts to continue with our mission to achieve positive change through our newly adopted Welcome Orange Initiative! Welcome Orange takes the philosophy of System of Care to scale for all individuals, adults and children, with complex care needs. Our overall vision is to design the system at every level to be about the needs, hopes, and dreams of the people and families that are needing help with all types of co-occurring complex issues – including health, mental health, trauma, substance abuse, and cognitive conditions, as well as housing, legal, vocational, social and parenting issues and that ALL programs and ALL persons delivering care and support become welcoming, person-centered, resiliency-/recovery, hopeful, strength-based, trauma-informed, culturally fluent, and complexity-capable.
If you would like to be involved in the Welcome Orange initiative please contact:
If you want to be involved in the Family and Youth movement to promote awareness through support and education and to the reducing stigma connected to mental illness please contact:
Pat Savino, Outreach CoordinatorVoices United 4 Change2001 Rt. 17MGoshen, NY 10924845-360-8280
System of Care is an equal partnership that brings together Orange County children/young adults (ages 5 - 21), their families and the individuals who care about them, with the services and supports provided by our community partners.
These include mental health services, substance abuse services, social services, the education system, family support, recreational services, vocational services, health services, and the juvenile justice system.
The agencies and services in Orange County that are directly involved include: Orange County Department of Mental Health, Family Empowerment Council, Mental Health Association of Orange County Inc., Occupations, Inc., Orange County Department of Social Services, Orange County Family Court, Orange County Department of Probation, Rehabilitation Support Services,Inc., Rockland Children's Psychiatric Center, United Way of the Dutchess-Orange Region and the Orange County Youth Bureau.
System of Care Wraparound Services are the highest level of community-based care available in Orange County, and we want to make sure that wraparound and care coordination services are provided to the youth and families who need them most.
Read More Make a referral


text:
FrontBurnr: Can we please knock this off already?
I know games aren't cheap to make, but if you're looking for a Kickstarter goal of tens of thousands or even millions of dollars to make what is essentially a clone of an old game with a few new ideas, perhaps you're thinking a little bit too large. Most of us have seen Indie Game the Movie, there's not a single word about Kickstarter anywhere in the chronicles of Braid, Super Meat Boy, or Fez and that's terribly refreshing.
To me, crowd-funding was a great idea that has been terribly exploited. It's like saying "Hey, I have 4 tires, so please give me $65,000 so I can build a car to put them on".
Another monkey with a blog and an opinion. The internet is truly 21st century AM radio.
Not a very tasteful article that's for sure. I have to disagree because Kickstarter is the option for many games that would never would have happened without crowdfunding. It's the option for the Alice: Madness Returns sequel, and possibly for games like Shenmue 3. They're not crappy, they're big name games that hit a rough patch. It's also a great option for indie games, and if a game is crappy no one will fund it, so it won't come to life anyways.
I read through it. i agree and disagree.
I think the game has changed, FTL is one of the best games I have played in the last year, it was kickstarted. Unfortunately, I've seen quite a few games not deliver on the scale they have promised before. I spent a few hundred dollars on kickstarters instead of buying new games, I can't say my expiriment was a success, but it also wasn't a failure either.
I'd be more ok with Kickstarter if there were stricter enforcement on the way end results are delivered. How many projects have already passed their deadlines and haven't shown a thing nor updates or anything?
The idea of Kickstarter is great. I love it, I have backed things in the past.
What I DON'T like seeing is major companies and rich people using kickstart. Get some investors or take out some stock for that.


text:
Why Exercise is Important
The majority of us claim that we do not have time for exercise. We feel too busy to do that. However, many expert said that exercise has great role in making our body healthy
Being physically active offers many advantage. In physical reword, exercise can reduce weight then our body will become fitter. Exercise is also believed to reduce stress levels, improve sleep patterns, and reduce the risk of heart disease, diabetes and some forms of cancer. Beside physical advantage, exercise also brings good effects mentally. Due to the fitter body, exercise can make us feel refreshed and happy then we can increase our life quality and expectancy.
How can we do exercise while we are busy? Such question is commonly found among us. Actually exercise can be done in simple ways. We can go walking while shopping. In the office we can take stair rather than lift to run up and down. Or we can go cycling while enjoy the leisure time.
Over all, doing exercise is little bit difficult in busy life but the little bit of exercise will help better.