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This post presents 10 shortcuts to Google Analytics reports and dashboards for publishers, bloggers and content marketers.
I've compiled these from various sources, but I'm sure there'll be some more useful reports out there, so please share them in the comments...
If you are logged into your Google Analytics, just click the download links, and the reports and dashboards can be saved to your acount.
Custom analytics reports
When are people viewing your content?
Scheduling articles for maximum impact is a fine art. It it's not news-based or time sensitive, then it makes sense to get the timings right.
I find that publish time can make a lot of difference to the success of a post.
This one comes from Dan Barker, and using this you can see which days of the week are most popular, and use the data to experiment with your publishing schedule:
Which keywords are bringing visitors to your articles?
This report strips out the branded keywords and shows visits, goal completions and revenue. This allows you to see which terms are driving traffic to the site, which can inform your publishing and SEO strategy.
You'll need to go in and edit the report to exclude your own branded keywords.
Download non-branded keyword report
Content impact report
This one shows some very useful metrics together in one report: number of bounces, average time on page, and can be used to show goals. (in our case this is things like report downloads, emails sign ups etc).
Download content impact report
Referring sites report
This one came from Anna Lewis from Koozai, and shows referring sites alongside goal completions and conversion rates so you can see which traffic is the most valuable.
Download referring sites report
Real-time dashboards
A content marketing dashboard
This displays a number of useful content metrics for an at-a-glance view.
Download content marketing dashboard
Blogger dashboard
Thanks to Dashboard Junkie for this one, which shows some key blogging metrics, including most popular posts, how people find you and where the links are coming from, all in real-time.
Realtime overview dashboard
This is my go-to realtime dashboard, partly because I just like looking at moving charts and numbers.
It provides a quick, at-a-glance overview of key metrics. It's also more useful than the standard realtime view in Google Analytics.
70 facts about visitors
This dashboard provides a host of useful information about your visitors: where they're coming from, which devices they're using, screen resolutions, and so on.
(Thanks to Dashboard Junkie)
Download visitor facts dashboard
Content marketing dashboard
This has been on my analytics profile for ages, and I'm not sure who to give credit to (apologies if it's you).
Again, a useful overview. I'm often looking at it, hoping for that blog pages per visit number to go up...
Download content marketing metrics dashboard
Social media dashboard
This is from Justin Cutroni, a mine of useful information on Google Analytics.
It contains some very useful social data. I particularly like the on-site social actions and socially shared content widgets.
Our Festival of Marketing event in November is a two day celebration of the modern marketing industry, featuring speakers from brands including LEGO, Tesco, Barclays, FT.com and more.
Comments (4)
That social media dashboard is great, thanks for sharing.
We created a custom dashboard for Google Mobile App Analytics covering the key mcommerce metrics. You can find it here: http://poqstudio.com/2013/08/the-8-mcommerce-metrics-to-track-in-google-mobile-app-analytics/
The Blogger Dashboard is very helpful. Love how easy it is to do the download and install too.
Great and helpful article
Great and helpful article


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subset: commoncrawl


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Giants: "Hey Josh Brown. Did you abuse your wife?"
Josh Brown: "No."
Giants: "Due diligence check!"
Josh Brown: "Make America Great Again!"
That's ridiculous. But not a whole lot more ridiculous than how the New York Giants and the NFL actually handled the issue of kicker Josh Brown and his domestic assault issues. The Giants have hemmed and hawed, stating that they did the best they could with what they knew at the time. This is patently untrue, as the great Mike Tanier showed us this Summer.
Click to image to go to the article.
Oh, football. The audacity.


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US military is accused of hostility toward religion
US military is accused of hostility toward religion
Jul. 09, 2013
WASHINGTON (AP) — A congressman whose amendment would protect religious expression in the military says the armed forces have become "a hostile work environment" for people of faith.
Louisiana Republican John Fleming says his amendment is needed because chaplains feel restricted in how they can pray and preach, and officers are being warned to avoid open displays of their faith.
The White House has said it "strongly objects" to the amendment, saying it could adversely affect military morale and discipline.
But Texas Congressman Louie Gohmert, who joined Fleming at a Capitol Hill news conference, said the military's perceived hostility toward religion risks driving away people of faith.
Retired Lt. Gen. Jerry Boykin added that young Americans who take their faith seriously may be deterred from joining the military.
Sound: Upcoming


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Monday, September 17, 2012
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Get the facts about epilepsy, including the different types, symptoms and causes of the condition.
About Dr. Annette S Kluck
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text: I stayed at Staybridge Suites-Glendale, AZ for two nights 2/5/13-2/7/13. I attended The Who Quadrophenia Concert at the nearby Jobing.com and it was easy walking distance. Upon arriving, the front desk greeted me with a smile and check in was speedy. I arrived as they were having their social hour, so went up to my room, left my things and... More


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In the current issue (146), we went on a roadtrip to test 12 complete bikes. Was it a Complete Nightmare? Find out in the video,...
Check out this full throttle video of Jay Wilson!
Emulsure puts away the HD camera and takes it back 2 basics, in their latest video.
Check out the top 4 finalist runs from the Telekom Extreme Playgrounds event in Berlin.
Hang 5 up and over a jump box? Check out Scattered Bikes at Rampcity.
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|Protesters attend a tax demonstration in Texas. Credit: today.mccombs.utexas.edu.
By Maria Svart
The spring issue of Democratic Left arrives before Tax Day, April 15. As socialists, we know how important a fair and progressive tax system is to a fair and progressive society. It's important, then, that we understand how, for more than 30 years, the right wing has worked to lower taxes for the rich and use the reduced income as an excuse to starve government programs that benefit all of us.
We know that candidates for office consider it political suicide to talk about raising taxes, even on the rich, but it is a complete myth that U.S. income taxes are too high. The truth is that the United States is both the lowest and most regressively taxed nation in the developed world. We spend less of our collective income on public provision than any other advanced democracy. On the other hand, we do excel in spending in two areas that violently destroy rather than enhance human life: the military and mass incarceration.
As the articles in this issue attest, when politicians from both major parties cut funding for public programs such as education, housing, child care, jobs, infrastructure, and transportation and at the same time cut taxes for the wealthy and corporations, many people are harmed in palpable ways. This has real consequences. For example, violence against women cannot be reversed without increased social and protective services for women and children and publicly funded childcare and parental leave. All these measures would enhance the independence of women and increase their security. Nor can our society end the school-to-prison pipeline that plagues poor black, brown, and de-industrialized white communities without massive public investment in job training and putting people to work rebuilding our tattered infrastructure.
Contrary to capitalist claims, with the notable exceptions of prisons and the military, the United States is the land of small, not big government, in comparison to even the most conservative western industrialized countries and to our own country in the past. Fifty years ago, we spent more of our gross domestic product on public provision than we do now and had higher tax rates on the wealthy. (For more detailed figures, see the websites of the Center for Budget and Policy Priorities cbpp.org and Citizens for Tax Justice ctj.org.)
How did this happen? As Janet Spitz shows in her article (to be posted soon – ed.), the corporate-funded mass media tell us that taxes are too high and that they sap "entrepreneurial" energy. This is not just an ideology that enhances the wealth and power of the 1%, it's a bald-faced lie, reinforced by the training our business elites receive.
Although a majority of people in the United States favor expanded government spending to fund basic human needs and to end poverty, most also believe they are heavily taxed. This is not a completely false belief, as the reality is that families and individuals in the bottom 80% of the income distribution bear the biggest tax burden. In the United States today, the average tax rate on the richest 10% of families is 23%. Although the bottom 20% of U.S. families pay little in income tax, they pay a comparatively high 18% or more of their incomes in regressive sales and property taxes and also often in flat-rate, non-refundable local and/or state income or wage taxes. And at the federal level they pay a regressive flat-rate payroll tax for Social Security and Medicare. That tax is capped at $135,000 in income. Elsewhere in the industrialized western world, the top 10% pay more than 30% in taxes and the bottom fifth pay under 12%. No wonder many people of the 99% feel overtaxed.
The United States had figures closer to those of other industrialized western democracies in the 1960s, but ever since the mid-1970s there has been a massive lobbying effort by the "wealth protection" industry of lobbyists who have worked overtime to remove whatever progressivity existed in the U.S. tax system. In 2012, the industry spent over $9 billion on such lobbying, with 80% of those funds coming from industry, trade, and professional associations. All these groups work to cut their effective tax rates. And this investment pays off. In 1971, corporate tax revenue constituted over 25% of the federal budget. Today, it brings in only 10% of government revenue.
This reshifting of the tax burden and defunding of government started under Ronald Reagan and continued through the Clinton and Bush years, so it's no wonder that generations have grown up never knowing that government can and should play a positive role in promoting a just and fair society.
As the articles in the spring issue of Democratic Left show, these policies have had a real and terrifying impact on all our lives, but particularly on the lives of women and people of color. All parents, but especially women, have to work a double shift of paid work and then unpaid childcare, and would benefit from decently funded education and childcare policies. Millions of un- and underemployed people would benefit from living wages and job programs that translate into economic security. The North American Free Trade Agreement and the war on drugs, along with rising inequality and joblessness, have forced people to migrate north and filled our prisons here at home.
We can call these assaults economic violence. It is real and it is starving our national soul. If we are to overturn regressive and upwardly redistributive tax and trade polices, our movements must gain more political traction. Only then will our political elites fear a mobilized electorate more than rich lobbyists and campaign donors. The left and labor have to engage in much more creative popular education and street protest to show how the defunding of public programs such as K-12 and public higher education renders our society more inegalitarian than ever. Reversing the Reagan and Bush tax cuts for just the most affluent 2% would add $140 billion a year to our four trillion dollar federal budget. If we abolished federal tax expenditures on corporations (for example, the oil depletion allowance and the corporate exemption from paying taxes on foreign earnings), we could fund another $120 billion dollars in human needs. A wee bit of a Robin Hood Tax—a modest financial transactions tax of 0.25% on all stock, bond, and derivatives trading—could bring in another $200 billion plus and could be the beginning of a real challenge to the power of finance capital.
And, finally, at the state level, if we taxed the top 20% of income earners at the same average rate that we tax the bottom fifth (or quintile), state tax revenue would increase by 10%. Tax and spending policy is a form of class warfare. We, the people, have to take back the income and wealth that we create from those who have long used state power to garner their unjust share.
|Maria Svart is the national director of the Democratic Socialists of America.
This article originally appeared in the spring 2015 issue of the Democratic Left magazine.
Individually signed posts do not necessarily reflect the views of DSA as an organization or its leadership. Democratic Left blog post submission guidelines can be found here.


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General Mills to Saatchi & Saatchi Advertising, New York, from Campbell Mithun Esty, Minneapolis, for its Cookie Crisp brand. CME retained the Chex account. Big G recently acquired both brands from Ralcorp; billings are expected to reach $20 million on Chex and at least $10 million for Cookie Crisp.
Foote, Cone & Belding has merged its Impact promotion, FCB Direct and FCB Public Relations units into Impact Communications Group, with approximately $150 million in billings. Jim Cerasani, formerly managing director, FCB Direct, was named president.
Samsonite Corp. has narrowed its $15 million-plus global review to incumbent Leo Burnett USA, Chicago, and TBWA Chiat/Day, Venice, Calif.
Mark Workman to senior VP-strategic marketing, a new post at Sony Corp.'s Columbia/TriStar Pictures, replacing Diane Salerno, senior VP-national promotions, who left in December.
Giant Food Stores narrowed its review for the $6 million grocery store account to Tierney & Partners, Philadelphia; and incumbent Gray Kirk/VanSant and W.B. Doner & Co., both Baltimore. Incumbent Mintz & Hoke, Avon, Conn., isn't participating.
Copyright January 1997, Crain Communications Inc.


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Hanna Kurniawati
My research focuses on algorithms to enable decision theory become practical software tools in robotics. Such tools will enable robots to design their own strategies, such as deciding what data to use, how to gather the data, and how to move, for accomplishing specific tasks, despite various modelling errors and uncertainty in the system and its operating environment.
My current research interest includes robotics, motion planning, planning under uncertainty, computational geometry applications, machine learning, and randomized algorithms. If you are interested to work with me on exciting research projects in decision making under uncertainty or robotics, please drop me an e-mail or stop by my office.
Before joining UQ, I worked with Nicholas M. Patrikalakis as a Research Scientist at the Singapore-MIT Alliance for Research and Technology, MIT. I received a Ph.D. in Computer Science from National University of Singapore, under the supervision of David Hsu. Prior to graduate studies, I studied at the Faculty of Computer Science, University of Indonesia.


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HAMPTON - A 49-year-old Hampton woman died early today from injuries sustained when the van she was driving collided with a car at one of downtown's major intersections.
Lois Truehart, of the first block of Henderson Lane, died in surgery at Sentara Hampton General Hospital, Hampton Police Cpl. Michael Canny said.
Canny said Truehart was driving westbound on West Pembroke Avenue when her Dodge Caravan collided with a 1978 Chevrolet Monza operated by Allan R. Carpenter, 27.
Carpenter declined to give police his address, Canny said. After Carpenter was treated at the hospital and then released, he was charged with reckless driving, driving while intoxicated and assaulting a police officer. The assault charge stemmed from an incident at the hospital after Carpenter became disorderly and kicked a police officer when officers tried to subdue him, Canny said.
The accident happened at 12:58 a.m., when Carpenter allegedly failed to stop for a red light, Canny said. The impact demolished both vehicles, Canny said.
Canny said he planned to confer with the Hampton Commonwealth's attorney about possibly placing additional charges against Carpenter.
* Earl Roger Brooks, 43, of the first block of Mennonite Lane, was charged Monday night with two counts of aggravated sexual battery. Brooks is accused of fondling a 14-year-old girl in February 1988 and another 14-year-old girl between June and July, Sgt. Michael Brewer said. The two girls had known Brooks.
* Police responding to a burglar alarm at Newsome Park Elementary School early Tues day arrested a 26-year-old man near the school and recovered some property taken in the break-in.
James A. Callis, of the 14300 block of Old Courthouse Way, was charged with burglary and grand larceny. Officer L.M. Barrick apprehended Callis after chasing him on foot to the 4300 block of Madison Avenue about 2:30 a.m., Brewer said.
Barrick saw a man carrying some property away from the school. The man dropped the property and ran but was captured minutes later. The stolen property included a Panasonic videocassette recorder, Motorola pager, calculators, cameras and a set of keys.
* Clarence Wallace, 29, of the 13200 block of Warwick Boulevard, was arrested Monday and charged with armed robbery, using a gun in a crime and abduction in an incident Sept. 17 in which he allegedly robbed a guest at the Regency Inn, 13700 block of Warwick Boulevard, of $23 in cash.
After the holdup, Wallace allegedly forced the victim to drive to the victim's girlfriend's place, where he tried to rob her, Brewer said.


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Troubleshooting Notifications
Notifications offer a way to send email reminders or alerts to users on a periodic schedule or under certain data conditions. You generally set up notifications while viewing a dashboard or report.
This article shows you how to troubleshoot problems such as missing email notifications.
Verify the Dundas BI Scheduler Service and config settings
The Dundas BI Scheduler Service needs to be running and various configuration settings must be applied for notifications to work.
See Configuring notifications and other scheduling features for more details.
View the Application Log and look for any errors
View the Dundas BI application log as described in the article View logging information and look for any errors related to scheduling or notifications.
Check the Windows Event log for errors
Open the Control Panel's Administrative Tools, and then click Event Viewer.
Expand Windows Logs in the left navigation and select Application.
Look for Dundas-specific errors.
Check the next run time in the Dundas BI application DB
If you have access to the Dundas BI server and its SQL Server application database, locate the database (e.g., Dundas BI Instance1) in SQL Server Management Studio.
Edit the records for the dbo.Schedule table and look for your notification entry.
Check the NextRunTime value and verify that the time hasn't already passed.
Note that the NextRunTime value uses UTC time (Coordinated Universal Time).


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July 12, 2016
Once a week your mother takes you to a playdate at another kid's house. But today you were not in mood to play with other kids, you wanted to stay alone. So when no one saw, you left the playroom and went into another room. You ended up in the Vibgyor room where you also got trapped. As you didn't want anyone to find out about this, now you will have figure out a way to escape on your own. In this escape game from Knf Games you have to explore this nice room, collect useful items and use them to escape the room. Have fun!


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County Board to Launch ASH Programme
Dr Morris' Park's new ball wall
The launch of the Tipperary GAA Board's ASH (Advanced School of Hurling) programme sponsored by Thurles Fresh Milk will take place in the Dome Semple Stadium at 11:00am on Saturday next. ASH is an enhancement of the development squad programme and squad players in hurling and football and their parents are invited to the event as well as any interested parties.
Among the speakers at the launch include Catherine Logan (National Dairy Council) who will talk about the importance of nutrition for sports people and former Tipperary goalkeeper Brendan Cummins who will speak to the importance of having a proper lifestyle for aspiring young GAA players.
The event will be followed by the official opening of the Lisheen Mine ball wall at Dr Morris Park at 12 noon with the General Manager of Lisheen Mines and Tipperary hurling legend Jimmy Doyle doing the honours. This is a magnificent addition to the training facilities at Dr Morris Park and is being used extensively by the county teams in their preparation for the championships. See next weeks Tipperary Star for full report.


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As the Windsor, Conn.-based service company looks beyond its ShopWise shared ad mailers and subsidiary mailing services, it's moving cautiously, planning to use its ShopWise.com subsidiary to bring more dot-coms into the direct mail world.
"You're going to see us start slow but bring some solutions that really make sense and are value-added to our clients," said Chris Hutter, VP-investor relations at Advo. "We're not going to try to do something that we don't have a good understanding of."
Don McKenzie, 45, former president-CEO of Advo's SuperCoups subsidiary, took the helm of ShopWise.com last week as its first president and is in the initial stages of crafting the group's business plan.
"We will be helping dot-com companies harness direct mail as well as give a strong complementary strategy to our 23,000 advertisers," he said.
Advo clients include major marketers such as Ford Motor Co., Home Depot, McDonald's Corp., Pizza Hut, Safeway and Toyota Motor Sales USA.
In addition to developing online strategies that can be marketed to advertisers, Mr. McKenzie will use techniques such as CD-ROM insertion and e-commerce focused print supplements to turn dot-coms into direct marketers.
Netserts.com, an advertising magazine dedicated to dot-com direct mail ads, is currently the only business operating under the ShopWise.com umbrella. Advo, which has a controlling interest in the magazine, includes Netserts in 10 million of its shared mail pieces each week.
At SuperCoups, Mr. McKenzie partnered with Coolsavings.
com to include local coupon offers on the discount site. The partnership, which was tested last spring and offered to all SuperCoups franchises last fall, also allows SuperCoups to tap into Coolsavings' database of registered users.
Mr. McKenzie said over time it might make sense for ShopWise.
com to enter into similar partnerships with dot-coms.
"What Advo has such an opportunity to do is not only have a very good print strategy for its merchants but also learn a lot more about consumers' interests and needs to help merchants learn more about consumers, about who's using their coupons and why," Mr. McKenzie said.
He sees partnership potential with established coupon sites as well as the possibility of affiliate marketing programs and e-mail and loyalty based tactics in order to reach consumers at contact points away from the mailbox.
"The nice thing about Advo sitting back on the sidelines as much as we have is it's clear to us that no one has had a breakthrough strategy [in online couponing] that has truly differentiated themselves from the field," Mr. McKenzie added.
But Michael Petsky, president of the Winterberry Group, a New York consultancy, isn't convinced that any direct marketers will be able to identify a breakthrough strategy.
"No one has done it yet, and [Advo] won't be the one to do it," he predicted.
In general, direct marketers have been slow to move forward with unique Internet initiatives because they're so focused on real profits and revenue, Mr. Petsky said.
While direct marketing service companies have been faster than direct merchants to target Internet opportunities in the database, mailing list and fulfillment arenas, because Advo's service is paper mail it has likely taken longer to find an online niche.
But as dot-coms recognize brand-building is more successful when it's done in a bricks-and-mortar world and marketers struggle to get mainstream consumers online, Mr. Petsky said, Advo's household reach is likely to be an attractive way to reach the public.
"Direct mail is one of the good ways to get to middle America," he said.


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Much of our political debate is dominated by disagreements about economics, disagreements that seem irresolvable: One side believes Keynesian economics is bunk and embraces supply-side economics; the other side believes supply-side economics has been disproven and instead accepts Keynesian economics. (There's actually more options than just these two, but bear with me.)
The people who say that Keynesian economics is disproven point out instances where the government has spent large amounts of money on stimulus but the economy hasn't gotten better. Likewise, the people who say that supply-side economics is disproven point out instances where the government has significantly reduced taxes but the economy hasn't gotten better.
These are both lousy arguments.
Consider, there are cases where people have been provided life vests, but they've still drowned. There are people who have gotten vaccinations for a disease but have then gone on to die of that very disease. There are people who've been given antibiotics to stop an infection but have died of the infection, and people who've undergone surgery to fix a certain problem and the problem didn't go away.
Does any of that prove that life vests, lifeboats, vaccinations, antibiotics and surgery don't work? No, of course not. They're not guaranteed to work, because there are all sorts of other factors that can intervene to undermine or overwhelm their potency. But, by and large, you're better off with them than without them, right?
So, pointing out the cases where the economy has remained poor despite Keynesian stimulus or supply-side tax cuts isn't enough to prove that either economic theory is bunk. Unfortunately, this flawed reasoning is regularly used in political debates when it comes to economics. "George W. Bush and the Republicans cut taxes, yet we had the fiscal crisis and downturn!" "Barack Obama and the Democrats gave us all this fiscal stimulus, yet the recovery is the weaker than other ones where there was little or no stimulus!" These aren't valid arguments. Just because you know a person who was an overweight smoker but didn't have heart disease doesn't prove that smoking and being overweight don't contribute to heart disease. Anecdotal evidence isn't valid reasoning, nor is it scientific proof. It's just hasty generalization.
How do you prove whether these economic theories are right or wrong, then?
Well, the same way you prove whether lifejackets, vaccinations, and antibiotics work: controlled experiments. With vaccinations, for instance, you set up take two groups of people, as similar as possible, and then give one of them the vaccination. If the group that got the vaccination has a significantly lower incidence of disease, then you've got a viable vaccination; otherwise, not. (This, for example, is how James Lind showed that scurvy is best treated with citrus fruits such as limes or lemons.) Obviously, you want to run the experiment a few different times, just to be sure, but you get the basic idea.
Controlled experiment is basically how we prove the effectiveness of anything, from fire extinguishers and antibiotics to air bags and bug repellants. So that's the approach to take for economics.
Unfortunately, it's very difficult to run controlled experiments — large-scale ones, at least — in economics. How on Earth are you going to set up two economies, each valued at, say, a trillion dollars, identical in every respect except that one of them has a lower tax rate? Or that one of them is engaged in Keynesian stimulus spending and the other isn't? It's just not possible. There are so many variables in economics — weather, earthquakes, population changes, geography, natural resources, etc. — that you can't control and make constant. You can look at existing economies that are adopting similar policies and try to see if they get similar results, and look at ones that are adopting different policies and see if they get different results. But, again, there are so many other variables that will play a role in how their economies perform that it's difficult to separate the relevant data out from the "noise". Not that you can't make headway like this, but it's much tougher.
And that's why there's so much disagreement about economics. Without controlled experiments, it's very tough to definitively rule things in or out. That doesn't stop people from acting as if they have the definitive answers to our economic questions, of course. I'm baffled as to how people are endlessly confident when it comes to economic predictions but thoughtfully tentative about sports predictions, despite the fact that sporting events have fewer uncontrolled variables.
But acting confident and having conclusive evidence are two different things. Keep that in mind the next time someone says that Keynesian stimulus or supply-side economics is bunk and has been disproven.


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Forecasting Your Pay-Per-Click Budget in Google
Many website owners have experienced excellent results from running pay-per-click advertising campaigns with the search engines. But there are a lot of details to consider, such at what terms to use and how to avoid going over your budget. Jacqueline Dooley explains how to plan a pay-per-click advertising campaign with Google.
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Mount Holyoke College participates in the Yellow Ribbon Program. In addition to the Post 9/11 GI Bill benefits ($23,671 for full-time students), we will contribute 50% of the remaining tuition and fee expenses up to $10,000 in grant funds which will be matched by the Veteran's Administration. Full-time students will receive a total of $20,000 ($10,000 of MHC grant funds; $10,000 of VA benefits).
You may be eligible if:
- You served an aggregate period of active duty after September 10, 2001, of at least 36 months;
- You were honorable discharged from active duty for a service connected disability and you served 30 continuous days after September 10, 2001;
- You are a dependent eligible for Transfer of Entitlement under the Post-9/11 GI Bill based on a veteran's service under the eligibility criteria listed above.
For more information: Yellow Ribbon program and veteran eligibility.
How to apply:
- Complete and submit to the VA Form 22-1990 Application for Education Benefits (veterans) or 22-1990E (dependents) or apply online through VONAPP. You will receive a Certificate of Eligibility (which may take several weeks).
- Submit a copy of your Certificate of Eligibility to Student Financial Services at Mount Holyoke College.
- Yellow Ribbon Program funds are awarded on a first-come, first served basis determined by the date of receipt of all completed application requirements.


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Microdata for WordPress is a free plug-in developed by Optimum7
This plug-in adds a button on the TinyMCE Editor that helps you generate valid Microdata Code within your WordPress posts and pages.
Microdata is booming. One of the main reasons more articles about this subject are popping up on the web is because more web browsers are supporting it. Even the browser causing the most angst by web developers, "Internet Explorer", is making huge progress to make HTML5 and Microdata ready. The fact that Microsoft, Google and Yahoo have teamed up to work together on it says enough already.
Microdata for SEO
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Your 401(k) statement shows a dramatic drop. You wonder if bonds are a good idea. You're worried about saving for college. Where do you turn for help? According to a recent survey, many people turn to their fund companies.
Banks and fund complexes ranked as the two most trusted sources for financial information, with financial planners and accountants not far behind. Stockbrokers, corporate executives and insurance salespeople received the lowest ratings in the survey.
TowersGroup, a public relations and consulting firm in New York specializing in financial services, commissioned the survey to explore the investing public's perception of investment advice following the Enron scandal. The survey asked 363 investors to rank the honesty and integrity of various sources of investment information: fund companies, banks, insurers, corporate executives and accountants.
The survey polled investors in 401(k)s or other retirement plans who have also invested outside their plans in stocks or mutual funds during the past two years. Opinion Research Corp. of Princeton, N.J., which conducted the study, asked investors to rank these various sources on a scale of one to five, with five being the highest score and one the lowest.
Thirty-nine percent of respondents gave banks a score of four or five, and 38% of respondents ranked fund companies with one of these two highest scores. Thirty-seven percent of respondents gave financial planners a score of four or five. In spite of Enron's woes, 34% of respondents gave accounting firms a ranking of four or five.
Stockbrokers and corporate executives received the poorest ratings, with 36% of respondents giving both groups a rating of just one or two. Insurance salespeople received bottom rankings from 51% of respondents.
TowersGroup President Alan Towers believes fund companies received the highest survey scores for two reasons. "First, the fund industry has not had a major scandal. Second, the media long ago embraced mutual funds as the investment solution for small investors," he said. "The amount of press mutual funds receive could almost be construed as an endorsement. With poor fund performance in the last year, investors have been hurt, but that has not been perceived or presented as the funds' fault. It's just a down market."
Confidence in the Market
The study also explored investors' confidence in the stock market post-Enron, and it appears to be suffering. Forty-three percent of respondents said they now have less confidence in the stock market in the aftermath of Enron. Only 23% percent said they believe strongly in the stock market's ability to reflect the fair value of stocks
Towers said the study provides insight into the reputation of various types of financial institutions. "When you are selling an intangible, particularly a financial services product, reputation is one of the most powerful issues consumers consider, right after performance," Towers said. "However, it's remarkable how reputation really isn't dealt with in any kind of strategic way."
Towers sees compensation as the main reason for the divide in reputation between financial planners and stockbrokers. He also warned that just as the public negatively perceives stockbrokers as being driven by commission, investors could be turned off by the fund industry's increasing concentration on profits.
"Financial planners are seen as more trustworthy because, in most cases, they work for a fee rather than a commission and their business is based on a relationship model. Stockbrokers, on the other hand, have a tradition of commission-based compensation and operate on a transactional model," Towers said. "Brokers are perceived as putting their own interests ahead of the customer's interests."
Towers said his study also confirms his long-held theory on how a firm should build its reputation. "It's not public relations, advertising or branding, but business practices that matter. It's amazing to me that financial services companies don't realize that if you want to change your reputation, it's not as simple as spending $60 million on advertising. You have to change business processes," he said.
Towers said there is a lesson for mutual fund companies in this survey. "Fund companies, in my view, have come dangerously close to putting themselves in the same position as brokers - that is, caring about their profits ahead of their investors. The fact that they are still trusted is a remarkable advantage," he said.
"With credibility issues now at the forefront of investors' thinking, the mutual fund industry has a unique opportunity to show leadership," he said. "To date, the space of advocating for the individual investor has been dominated by Vanguard. Again, the public perception of Vanguard is not different because they spend a lot of money on advertising - it's because their business model is different."


text: The Vusamazulu Credo Mutwa research library provides a resource hub for researchers of all disciplines to enter into the wealth of what indigenous science has to offer (see What is Indigenous Science?). WISN provides this collections of works the public for the purpose of broadening the baseline data of Western Science. We wish to honor the legacy of our ancestors and make this life-sustaining knowledge available for future generations.


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Songs From the Silver Screen
May 14, 2017 @ 5:00 pm - 7:00 pm
Light up the projector! Turn up the music!
The Wilde School of Music presents "Let's Go to the Movies! Songs from the Silver Screen"
Come enjoy some of the most memorable songs and scenes from favorite Hollywood movies!
Singer, Songwriter and Voice Teacher Julie Rose Wilde directs this cinematic, musical production, featuring singers ages 7 to adult. Come see them walk the red carpet and into the limelight!
Sunday, May 14, 5 pm. Tickets $15 adults, $8 age five and under


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Product Overview
Main Features
- Power bank 7800 mAh
- 2 output connectors (USB (power only))
- on cable: Micro-USB
Portable power when you need it. The ideal solution for charging two devices simultaneously. PNY's 7800 PowerPack is made of a high-end brushed aluminum housing, offering users a compact, portable and stylish design. Convenient in size to carry in your pocket or purse. The PowerPack comes with a 20" Micro USB cable for charging the PowerPack as well as Micro USB devices (Android, Windows Mobile, & BlackBerry) – if using an Apple device, use the included 20" Micro USB cable to charge the PowerPack, but to charge your Apple device from the PowerPack, use your existing Apple charging cable. The PowerPack can easily be charged from any USB port to keep you fully charged. The unique Digital Display shows the exact numeric amount remaining on the PowerPack which effectively takes the guesswork out of knowing how much power you have left. The PowerPack comes charged and ready for use.


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Dreamweavers had a revolutionary way of recycling unwanted material when they created the Executive cushion, which made use of fabric off-cuts from the fashion industry.
(PRWEB) February 11, 2013
Already established as a high end luxury soft home designer brand, Dreamweavers have been broadening their product catalogue to include some new modern cushions. Now available at Contemporary Heaven, the newest addition to the Executive soft home range from Dreamweavers expands upon a current theme. The Executive Swiss Cushion joins the Executive range of decorative soft home accessories to bring a myriad of colour to any space in the home or workplace. Each cushion has a completely unique design and benefits from the high quality manufacturing expected of Dreamweavers products.
Available in two colour options, each Executive Swiss cushion is completely unique. The reason for this is the origin of the materials used for creating the wonderful textured cushion front. Dreamweavers had a revolutionary way of recycling unwanted material when they created the Executive cushion, which made use of fabric off-cuts from the fashion industry. So much material can be wasted when creating fashion garments, and the Executive range of soft home accessories reduces the environmental impact by using these off-cuts. The original Executive cushion featured these materials stitched on the front in a bow-tie design, hence the name of the range.
The Executive Swiss differs somewhat from the original Executive cushion. Foremost, it differs in design by having hand stitched square shaped swirls of fabric on the front of the cushion in a very bohemian style. There are two colour varieties available and fabrics used vary substantially in colour and pattern, mostly on the Multi Mix version. The Red Mix Executive Swiss has fabrics of toning red shades in different patterns, whereas the Multi Mix Executive Swiss features a range of colours and patterns from pinks and reds to blues, greens and yellows. The back of a Swiss Executive cushion is covered in plush black velveteen fabric that has a sumptuous feel and keeps to the luxury theme which is carried throughout the Dreamweavers soft home collection.
Available at Contemporary Heaven is a comprehensive range of Dreamweavers cushions and rugs which includes many different styles and a multitude of colour choices. The pebble range is the largest of these, currently with fifteen different colour options which includes subtle charcoal and cappuccino, neutral camel and snow white, rich cherry red and grape purple or bold colours like lizard green and pink. Each colour is available on a cushion as well as a matching rug in three sizes. Other Dreamweavers styles available online and in store at Contemporary Heaven include the spiky range, the bamboo range, the Italian Swarovski collection and the Shimmer range.
About the Company
Contemporary Heaven is a Hertfordshire based retailer and manufacturer with online outlets in the UK, Holland, France, Germany, Poland and the US. They are a subsidiary of Roco Verre LTD which has been in existence for more than 15 years, supplying a range of home accessories to retailers, businesses and individuals. Their range of home accessories includes modern clocks, custom time zone clocks, personalised school clocks, coasters and placemats, unusual wall mirrors, storage solutions, contemporary lighting, bathroom accessories, barware and much more.
For more information, visit http://www.contemporaryheaven.com
Contact Details:
Roco Verre Ltd
Contemporary Heaven Division
68 Wilbury Way
Ph.: 44 (0)1462 451199


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Social Science Department
Majoring in Social Science at Gavilan is an exciting adventure that may bring you closer to your community or take you adventuring around the globe--or both! The Social Science Department at Gavilan empowers students to explore, and change, the world. Students with social science backgrounds transfer successfully to four-year colleges, pursue fascinating professions, and make meaningful contributions to their communities and society.
An Associate of Arts degree is available with two options:
- Social Science AA with Emphasis on Community Studies
- Social Science AA with Emphasis on Global Studies
A 9-unit certificate program in Community Studies is also offered. Both interdisciplinary AA degrees require 21-24 units in the major areas of emphasis.Both AAs involve classes in anthropology, history, political science, psychology, sociology, and other disciplines. Through our Community Studies major you will use academic skills and tools to experience, understand, and influence your own community; through our Global Studies major you will learn how to experience, understand, and influence the future of the planet.


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Natural Makeup Prevailed at 2011 VMAs
The VMA's were bumping last night (Beyoncé's baby bump stole the show) with fashion statements, pregnancy shockers and outrageous hairdos!
We couldn't help but notice that the au natural look graced the faces of stunning stars, ranging from their teens to their thirties, proving that this classic look isn't going anywhere!
For sleek and smoky eye like Selena Gomez, try out theToo Faced Smoky Eye Collection $36.This collection of nine, complimentary shades are the perfect palette of wearable, smokey eye options for day to night and every memorable moment in between.
Finally, accentuate the classic beauty look with light, nude lips like Beyoncé and Adele all rocked last night. Try out the wallet friendly wet n wild MegaLast Lip Colors ($2.99 at drugstores) which come in twenty delectable shades perfect for every look. These velvety colored shades are semi-matte and last for 4 hours with just one application.
Never have we agreed more with less is more!!!
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An Iowa district judge has issued a temporary ruling that could open the door for former ISU basketball player Bubu Palo to rejoin the team.
Judge Thomas Bice of the Second Judicial District of Iowa issued a temporary ruling January 10th that sets aside the Iowa Board of Regents order banning Palo from participating as a member of the Iowa State basketball team.
Palo was suspended from the team in 2012 after he was charged with second degree sexual abuse by the Story County Attorney. The charge was dropped in January of 2013 and Palo was reinstated on the ISU basketball team. He played in 17 games for the Cyclones during the 2012-2013 season.
In September of 2012, Iowa State's Office of Judicial Affairs charged Palo with violating the university's Code of Conduct relating the sexual misconduct. An Administrative Law Judge from the Iowa Department of Inspections and Appeals ruled the accusations were "not founded."
Iowa State and the alleged victim appealed the ALJ's decision and the appeal was decided, as mandated by protocol, by ISU President Steven Leath.
Leath ruled Palo had violated the Code of Conduct and barred him from participating in intercollegiate athletics as a member of the Cyclone basketball team.
Palo appealed to the Iowa Board of Regents, but the board affirmed Leath's decision. Palo then filed a lawsuit against the Board of Regents.
Judge Bice's temporary ruling that Palo not be kept from playing basketball as a member of Iowa State's team included several "significant facts" that Bice found "troubling" in the case.
The facts include that Palo is still a student at Iowa State University in "good standing" and remains on athletic scholarship even though he is barred from competing. Judge Bice also says Palo's academic performance at ISU is "exceptional."
Questions about the Board of Regents' decision were also raised by the judge in his ruling.
"The Iowa Board of Regents also alleges that having Mr. Palo on the ISU basketball team tarnishes the University's reputation and image and presents a threat to other students. If this is true, then why renew Mr. Palo's scholarship, allow him to remain a student in "good standing," and have full and unrestricted privileges as an ISU student, other than participating in basketball? Further, if these claims are truly believed, then why was he reinstated to the basketball team during the 2012-13 season and allowed to participate in 17 games?" Bice asks.
He calls the decision a "rubber stamp" of President Leath's ruling and, "at best, short and contains neither discussion nor analysis of the underlying facts of the case."
The judge has not made a final ruling on Palo's lawsuit against the Iowa Board of Regents.
Channel 13 has reached out to the Board of Regents but have not heard back. Iowa State Athletics Director Jamie Pollard responded saying he was "disappointed" with the judge's decision.
Read the judge's ruling here.


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Services for Joseph S. Galloway, a native of Baltimore who was retired from the national advertising department of the Philadelphia Bulletin, were held yesterday in Tarpon Springs, Fla.
Mr. Galloway, who was 73 and lived in Tarpon Springs, died Thursday of cancer at a hospital there.
He retired in 1979 after 28 years with the paper. Earlier, he worked for the International Harvester Co. in Baltimore and Philadelphia.
Born in Baltimore, he attended Towson Catholic High School and graduated from the Boys' Latin School and St. John's College in Annapolis.


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18 Tasting Notes
SECOND NOTE In my first note (below) I described my initial experience with this tea and how I was perplexed by the relative lack of coconut flavor experienced by me in comparison to that observed by others as reported in their notes. I considered that my small sample might not have been representative of the "bulk tea" and my recent experience with a new larger sample happily supports that possibility.
The new dry tea sample has a much stronger scent of coconut, so I was hopeful that the tea steep would follow suit. I again prepared the liquor as recommended and was thrilled that the flavor of natural coconut (perhaps lightly toasted?) was now assertively expressed in the luquid and persisted nicely in the aftertaste. The black tea base and the fruit seemed to marry well. NOW I feel this tea is consistent with my expectations and will likely keep it on my shelf.FIRST NOTE Interestingly I purchased this from the Persimmon Tree (one of my favored sources) as a small sample and tasted and recorded my thoughts before I read any of the reviews here on the Steepster review page. I was astounded at the difference in my observations in comparison to that of the vast majority most of the tasters.- Right now my favorite theory is that the sample obtained was not representative, but perhaps some other variable was in play here. I've been pleased with other coconut flavored teas from The Persimmon Tree Tea Company, so I was surprised – and disappointed with my Coconut Cream experience – so far. However, I'll record my experiences here – perhaps some of you may be able to suggest other explanations for the general lack of coconut taste and aroma. In all cases I steeped my tea in my cup using a stainless steel infuser – both were preheated. I also strictly obeyed the prescribed tea to water proportions. The dry tea consisted of short, flat leaves, slivers of off-white coconut which gave off a faint but dominant aroma, and various brown/orange threads which presumably were the flower components. The recommended conditions were to steep at 180degF for 2-4 mins. I steeped my tea at 180degF (by thermometer) and tasted it at 2 and 4 mins – the results were very similar. The flavor of the tea base was pleasant, without bitterness, and consistent with white tea. However, the liqour neither exuded a coconut aroma nor its taste until the temperature fell to about 150degF and even then was only mild to even in the aftertaste where I am personally most sensitive to coconut. The wet, post-steep leaves were short, torn and of a uniform color, The aroma of coconut of the leaf was virtually absent. I am perplexed by the difference in my experience with that of others who uniformly indicate a robust coconut flavor. I will return to an experience I had with this tea the day before to try to find an explanation. I had thought it was a black tea base and failed to check the website to verify the recommended steeping conditions – hence I prepared the cup at 194degF and tested at 3 and 5 minutes. The liqour was undistinguished, perhaps a little bitter – not surprising consider my temperature error. The coconut fron the liquor was evident in the aroma – but not greatly so. However, the the coconut flavor was more present and increased with decreasing temperature. There seemed to be more coconut presence in the 5 min steep, in contrast to the 3 minute steep. The two day pattern suggests that a higher temperature or greater amount of coconut might be needed to extract enough flavor to be pleasing – at least to me. Of course the former approach, higher steep temperature, was and is is inconsistent with good white tea flavor. My inclination is to believe that the lack of coconut flavor was due either to 1)a non-representative sample or to 2)sensitive steeping conditions, which I did not meet inspite of my care. Or both. Being familiar with small sampling problems, I' m inclined to believe – given my love of coconut and the enthusiasm of the other reviewers, I should forgo rating this tea until I obtain another, perhaps larger sample. I'd be interested in your interpretation.
I just received a 2oz tin of this tea – my initial cellpohane wrapped sample came in the same box as a lychee flavored sample (delicious and described elsewhere) which shared its heady scent "promiscuously" with the box, the tape, the packing material, and every sample that wasn't packed in a tin. Since few benefited from the addition of lychee flavoring – I had to reorder all of my samples.
I had had high hopes for the Coconut Chocolate Puehr – and on the whole, when I finally got to try it, I was not disappointed. I prepared my tea in a mug using my usual bottled water. I briefly rinsed the tea to its benefit as it was very dusty. The first steep and second steeps were for 4 and 5 minutes (recommended 3-5min.) respectively using water just off the boiling point(recommended). Both steeps gave similar results (providing the dust was decanted) so a third steep may have been possible but I had no more time.
Neither cup gave even a hint of bitterness and the cocunut was "gently" evident throughout and seemed to lend a smooth, well "lubricated" mouthfeel to the liquid. The chocolate, while detectable, could have expressed more presence. Overall, I think those who like coconut with a bit of chocolate in a firm but smooth pu ehr might enjoy investigating this tea.
ADDED NOTE: i've now had this tea several more times over the last few days and I've become more sensitive to the chocolate flavor. I predict it will become a constant feature in my tea collection!
Another Note: The above prediction was correct – I have already reordered – 4oz this time! Definitely hooked on this puerh. For me the sweet coconut and mellow chocolate play perfect counterpoint to the puehr's quiet strength.
I ordered this as a sample and I'm likely to order more as I found it to be much to my liking. The scent of the leaves were very enticing as was the aroma of the brew. Both spoke well of the floral nature of the lychee. The taste was very reminiscent of the berry itself which could be tasted throughout and seemed strongest in the after taste – but pleasantly so. I'm not faniliar with the taste of osmanthus, but I didn't detect any flavor inconsistent with the lychee. The second steep was a bit weak, but overall a very pleasant libation!
Added Note: I have since chosen to add this tea to my "standing collection". Happily the sample was representative of my larger purchase and I continue to enjoy Lychee Burst frequently.
This is my first experience with a flavored tea. A recent Tea 101 class got me interested in teas in general and I've ordered several. This is the first to arrive. I prepared the tea using a tea strainer & my bottled water as I had learned. I steeped it for 5min (4-7min suggested) (I'm having trouble with the slider below.) using suggested temperature in my preheated cup (I am near sea level so water boils at 212 deg F). Initially, the aroma was reminiscent of real blueberries, but the flavor throughout the tasting was rather weak – disappointing in fact.
UNTIL it cooled to warm at which point it tasted strongly of the flavor for which it is named – I was much relieved! I look forward to many more cups of this tea and to experimenting with iced tea.


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Alexander Skarsgard is in talks with movie bosses to reprise his Zoolander role in the planned sequel despite his character's death in the first film.
The True Blood star played male model Meekus, who was killed in a freak gasoline accident, in the 2001 comedy, and he is desperate to return for the follow-up - in any form.
He tells Britain's GQ magazine, "I'm pitching it right now. I wouldn't want to miss that. Well, I'm hoping they would do something like the scene with Hamlet's father, and that Meekus will come back as a ghost - I mean, he's definitely dead."
Ben Stiller has written a script for a sequel to the hit movie, but it is not yet known when the film will go into production.


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AmpliTube Jimi Hendrix™
For iPhone/iPod touch/iPad and Mac/PC
Experience Jimi's Tone
When it comes to Jimi Hendrix tone, we've got you covered. There's our AmpliTube Jimi Hendrix™ Anniversary Collection for Mac/PC – whose models are also available individually through the AmpliTube Custom Shop – and our new AmpliTube Jimi Hendrix™ apps for iPhone/iPod touch and iPad. All feature incredibly realistic models of Jimi's actual gear.
All our Hendrix products are released in collaboration with Authentic Hendrix, LLC, and provide guitarists with stunningly accurate Hendrix tone. We even give you presets in the form of a Hendrix discography, so that you can dial up genuine settings from specific songs. Like all of our AmpliTube products, the various forms of AmplTube Jimi Hendrix offer extras such as recording capabilities, speed trainers, metronomes, and more.
Here is our range of authentic Jimi Hendrix products:
AmpliTube Jimi Hendrix for iPhone/iPod touch Hendrix tone on your iPhone
AmpliTube Jimi Hendrix for iPad Hendrix tone on your iPad
AmpliTube Jimi Hendrix Anniversary Hendrix tone on your Mac/PC. Now with Custom Shop!


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Gross Motor activities help develop muscle strength and motor planning. Developing gross motor skills is integral to so many aspects of learning and growth.
The idea for this game came while working on hand over hand skills. In order to make learning that skill more fun this game was created.
Objectives: Hand over Hand coordination, Tying knots, Counting, Language development, Shared Enjoyment.
Here is a fun and simple way to work on visual tracking, ball skills and proprioception skills. The kids will have so much fun they won't realize that they are actually working on developing core skills.
Objectives: Upper Body Strength, Proprioception and Ball Skills.
Today, unless your child lives in a farming community, we need to work harder to make sure that our children understand and appreciate how things appear on the store shelves. This is a fun activity that gets kids out in nature and thinking about how we can interact with nature to make something new.
Objectives: Gross Motor, Observational Skills
Brilliant Bubble Wrap Games PDF
Bubble wrap is one of the best inventions (behind balloons); there are so many fun ways to use it! Put bubble wrap in front of children and watch them rush to play and explore those awesome little pockets of air. We have had so much fun with bubble wrap that we could not choose just one activity.
Objectives: Motor Planning, Sensory Integration, Balance
Crossing the midline is an indicator of bilateral coordination, meaning the "ability to use both sides of the body at the same time." This is an important skill for many of our daily tasks.
Objective: Bi-lateral Coordination
Footprints Gross Motor Activity
Footprints Gross Motor Activity PDF
A gross motor activity to help develop motor planning and organizational skills.
Objectives: Motor Planning, Gross Motor Development, Directionality, Sensory Integration.
This is a great game for teaching a variety of skills.
Objectives: Turn Taking, Reading, Motor skills, Math skills and Color Recognition.
Mazes are a fun way to work on vision skills, directionality and critical thinking skills. You can make them as elaborate or as simple as you like.
Objectives: Visual tracking, Visual scanning, Motor Planning, Directionality, Auditory Processing (optional), Following Directions
Combine bathroom humor and balls and see what happens! Kids will have fun while developing their ball skills through cooperative play.
Objectives: Eye-hand coordination, cooperation, balance and upper body strength.


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Mercedes Ashley video – Naughty mistress
The most recent Mercedes Ashley video update will totally knock you with this amazing presence. Today, Mercedes felt truly naughty and she wanted to pretty much blow your mind with her naughty presence. She is wearing a latex suit, and she has no panties on, so you will get to see her and her tight vagina so damn well that you won't be able to think about something else today! She has like a whip in her hands, and she will use it on her butt cheeks, so stay tuned to see the entire action, cause it's gonna get really messy!
Today Mercedes is truly naughty, who knows what happened, but she really has accumulated some nerves and she will get to please then and the eagerness she felt between her legs only the minute she started to self pleasure her own clit! You definitely got to see this amazing update, trust me, cause she is going to do so much more things with her own body that you will be simply mind blown. Have a seat, relax, get rid of all the other things planned for the rest of the day and enjoy how this nasty slut will perform an amazing show for you! For similar videos, enter the punk porn site and see some beautiful ladies getting their tight pussies stuffed by monster cocks!


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How Lloyds' customers profited from its mis-selling
There is a paradox in the humiliation of Lloyds today for what the Financial Conduct Authority calls "serious sales incentives failings" and the record £28m fine imposed on the UK's largest retail bank.
Which is that although Lloyds behaved in a way regarded by the regulator as thoroughly reprehensible, by providing inappropriate financial motivation to its sales staff to sell unsuitable products to customers, those customers generally aren't out of pocket.
On the whole, they were flogged share ISAs and equity-linked structured products, or financial products whose value depends on the performance of the stock market. And since the stock market has risen since these sales were made, between 1 January 2010 and 31 March 2012, very few of these customers are out of pocket.
Many of them have done a lot better than would have been the case if they kept their cash in a savings account.
Or to put it another way, what was sold by Lloyds for the wrong reasons turns out to not to have been a customer rip-off.
So although Lloyds will have to provide redress to any customer who deserves it, the total cost to Lloyds of providing the redress will probably be millions of pounds - and will be a zillion miles from the £8bn it has set aside for mis-selling PPI credit protection.
Which is why its share price is down just a smidgen this morning, and is still above the cash price paid by taxpayers for our stake in Lloyds (boding reasonably well for next year's second tranche of the privatisation).
In fact, Lloyds' price is down marginally less than the fall in RBS's that was caused by the unanticipated departure to Santander of its respected finance director, Nathan Bostock.
None of which is to belittle the shocking incentives Lloyds put in place to encourage its staff to sell as many financial products as possible.
This statement from the FCA says it all: "The incentive schemes led to a serious risk that sales staff were put under pressure to hit targets to get a bonus or avoid being demoted, rather than focus on what consumers may need or want.
"In one instance, an adviser sold protection products to himself, his wife and a colleague to prevent himself being demoted."
The failures were systemic, such that - according to the FCA - seven out of 10 advisers at Lloyds TSB and three out of 10 at Halifax (also owned by Lloyds) received their monthly bonuses, even though Lloyds itself found a large proportion of their sales to be unsuitable or potentially unsuitable.
The regulator points out that 229 advisers at Lloyds TSB received bonuses "even when all of their assessed sales were deemed unsuitable or potentially unsuitable".
Now it looks particularly embarrassing that these practices continued after the arrival of the current chief executive, Antonio Horta-Osorio, on 1 March 2011.
However, as I understand it, he knew nothing about the incentives at that time. And the bank started to clean them up in the fourth quarter of that year, after Alison Brittain arrived to take charge of retail banking.
So there is perhaps an unfairness in the regulators' fining system, which almost no-one will care about. It stigmatises those on the bridge today, even if they weren't responsible for the wrongdoing.
And because the FCA found that the sales practices were the result of firm-wide governance lapses, the directors and managers in charge when the practices were introduced - led by the then chief executive Eric Daniels - are off the hook and won't be pursued.
As for how Lloyds motivates its staff today, I am told the sales incentives are now more long-term and more focused on meeting customers' needs.
Which means that Lloyds is selling considerably fewer financial products than it was.
So how does it increase its profits these days? Well, Horta-Osorio's strategy is to make Lloyds the bank with the lowest overheads and costs, rather than the one that flogs the most.


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Issue #56
How about all this hubbub about Marvel's Epic line, and its throwing open the House of Ideas to the regular joe? On CBR alone Augie recently tackled the subject, as well as has noted raker of muck Rich Johnston who has pondered whether or not non-Marvel publishers can "survive the mountain that's about to fall on them" … a mountain undoubtedly comprised of rejected Epic proposals.
Well, that one's an easy one to answer for my company since we don't make a secret of the fact that we don't accept proposals.
And on the off chance you want to submit your completed graphic novel to Submissions Czar Ryan Yount, well, he's not a hard guy to track down, either. So no deluge to avoid for us.
Here's the story of how not to submit a proposal.
Back in late 1999, flush with our successful collaboration on Astronauts in Trouble: Live From the Moon, artist Charlie Adlard and I thought we might like to pitch a Batman Elseworlds to DC,
and I had an idea that was so brilliant, so obvious, but so not-ever-done, that it'd be an easy sell. I wrote up the following, and Charlie did two illustrations to show the mood and feel.
This is the story of Bruce Wayne and how he didn't become Batman.
The story beats follow CITIZEN KANE, with a dying Bruce Wayne looking out the window from stately Wayne Manor… his hand reflexively grasping at the air, as we witness his last words… "Bat… man…"
Figures on the street assemble before a bank of television sets as a newsman tells of Wayne's death: "Potent figure of our century…" "Greatest newspaper tycoon of this or any other century…" "Bruce Wayne helped to change the world…"
A reporter (that we show only in silhouette and from three-quarters behind, as in the film) speaks to his cronies about a fresh, interesting pitch on the last story of a man who lived his life in headlines. "We need an angle…" "Well, what were his last words?" "Batman?" "What the hell does that mean?" …and so on. They decide to interview those who knew him best.
The reporter, called Pennyworth, goes to see Wayne's second wife, Selina Kyle. A curator of museum-quality jewelry exhibits, she tells Pennyworth (and us) the story of young Bruce.
Thomas and Martha Wayne are shot and killed, just as we know the story, but this time there's a difference. A petty thief and his muscle do the job this time, armed with a Saturday Night Special and a Louisville Slugger. This time, however, young Bruce does not grow up to be a revenge-filled creature of solitary justice, because he's not raised in lonely Wayne Manor by his family's trusted manservant. No, this time, Jonathan and Martha Kent are in Gotham City on holiday, and witness the brutal crime. The killers are brought to justice by the proper authorities, who enact the death penalty, and young Bruce is brought to Smallville where he's raised by the good and kindly Kents. With such a solid family foundation, Wayne's period of grief is healthily dealt with, and he grows to be a man with firm Mid-Western morals and ideals.
When Bruce turns 21, he inherits the Wayne family fortune and returns to Gotham City to reclaim his birthright. In a moving goodbye to his adopted parents, wherein Bruce explains why he's leaving Smallville, he states, "The common man needs a champion. Someone to look after their interests. If I don't, someone else will. Perhaps someone who will not champion the common man, but exploit him."
Perhaps someone like Lex Luthor… and we can't have that.
After a montage-like sequence where we shorthand his moving in to Wayne Manor, addressing the loyalty of Alfred (who, we assume, has acted as executor and "regent" while the Kents raised young Bruce), and settling in, we show a restless Bruce wanting to make good on his promise to champion the common man. Wayne uses his inherited fortune to stage elaborate and grandiose events to draw attention to society's ills and perhaps raise money for all sorts of humanitarian causes. The crowds that these sorts of things attract are happy to party for Wayne's causes, but he sees that no real good is being done in Gotham City. Somber and grim-faced, he ponders the problem.
This time, Selina Kyle says, "Rome fiddles while Nero burns."
The reporter then goes to interview Lois Lane, and all sorts of irony is shown between the two; The Interviewer being interviewed, and such. We still don't see the reporter, Pennyworth, that clearly. But, prodding, he elicits the tale of how Wayne leaves Gotham to come to Metropolis, to buy The Daily Planet. He shows a glimmer of the man he might have been when he stops a gang of punks from attacking Lois Lane, who's on her way to join the staff of the Planet. She has no idea the gallant man who stepped in to make the odds a little more even is her new publisher…
…we trot out select members of the Superman cast as we build to the main conflict… and intimate that fellow rich-guy Ollie Queen and test pilot Hal Jordan are among Wayne's confidantes… but these guys aren't superheroes in this world, either…the conflict is that of Wayne's campaign to be elected mayor of Metropolis against the incumbent, Lex Luthor. Without a Superman to rail against, Luthor is a tamer version of the one we know… and yet still driven, and I suspect, heartless. But straight-forward, in his own way, and therefore predictable. Wayne does political stump speeches in front of our version of the big CITIZEN KANE campaign posters; this one, however, says "WAYNE." Wayne thinks he has him beat, but is defeated in the election. There are accusations and counter-charges, but in the end it is revealed that Wayne lost in a fair fight. It saps him of his will to help the common man, when the common man so soundly has rejected him. My one visual image for this one to help you see what I'm getting at is an older Wayne… maybe mid-forties, greying at the temples, a little paunch, leaning out on a window sill, looking at his adopted home. The angle should be from below, and lit by streetlights, also from below. Behind him, on the wall, we see the shadow he casts has some tell-tale points, almost… bat-like…
The reporter then interviews Dick Grayson, who tells of a boyhood encounter with a defeated Wayne on a city street. Now Police Commissioner in Gotham City, Grayson was then a street thug, and the young punk can't believe his luck that the vaunted (and rich!) Bruce Wayne is walking around unescorted. Instead of a fight, however, Bruce appeals to the inherent goodness he senses in Grayson and convinces him to turn his life around. "There's only one person in the world that can decide what I'm going to do" Grayson says without irony to a still-dejected Wayne.
The reporter then interviews a frail Barbara Gordon, who was the attending nurse at Wayne's deathbed, and Pennyworth hears the tale of Wayne's final moments:
Bitter, intense, defeated, this Bruce Wayne returns to his ancestral home of Wayne Manor where he lives out his days friendless and alone. He's chased away his friends; he's isolated himself. Until we witness, on his deathbed, Wayne's final thoughts. They play out before us… the death of his parents, from his point of view:
The thief with the gun has it pointed at Dr. Wayne; the guy with the baseball bat has got Martha's pearls in one hand and the raised bat in the other. "C'mon, lady, give it up. How much is it worth?" She tries to wriggle away as the other guy says, "Oh, a man's life, I suppose," and shoots them both. We understand that the "Bat… man…" Wayne calls for as he dies is not the superhero we know but a warning to the man who killed his mother that he is coming to the afterlife for his vengeance he was denied on this earth.
The reporter, who we see clearly now, runs his hand through his hair to straighten an errant curl that's fallen across his brow. He straightens his glasses and puts it all into perspective for us. "He had everything, Wayne did, except the one thing he could buy… peace." "He's at peace, now, Mr. Pennyworth," says the nurse. "Call me Clark," says the reporter, and the reader will hopefully enjoy this payoff so much that they'll want to see us do the story of baby Kal-El raised by Alfred Pennyworth….
Sounds cool, huh? Well, I wrote this up and Charlie did up his sketches and we showed it to Mike Carlin (or maybe Bob Schreck, I forget), and you know what he said? "Yeah, thanks; we're not looking to fill up on any more Batman Elseworlds right now. Always best to ask before investing so much time and work."
So, you see? There's really nowhere else to go with something like this. You can't do it as a Moon Knight story, say, since it's so heavily invested in the Bat-family… and even the play on words of the title isn't going to work with any other grim-avenger-of-the-night character you can come up with on your own. So all that work goes nowhere, and for nothing.
Which is the real reason that no other non-Marvel publisher isn't going to have to "survive the mountain that's about to fall on them" because that Mighty Marvel Mountain of Manuscripts isn't going to fall. A really well-written proposal tied strongly into a Marvel character won't work with cosmetic changes made for another publisher, and a poorly-constructed proposal won't be green-lit by anyone, anyway.
So, hopeful writers, sure, go ahead and do your Omega The Unknown revamp you've been waiting years to do; you may very well hit that lottery. But remember you only have one place to sell that proposal. Do the same amount of think-sweat on a new thing, and you have all the other comics publishers to offer it to.
That'll increase your chances, and maybe even get you noticed enough that Bill Jemas will come to you someday and ask you to take a crack at Omega The Unknown…
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Introducing myFault
myFault uses official maps of seismic hazards in California to identify the dangers your home, school or workplace could face during an earthquake.
Produced by California Watch, the Golden State's largest investigative reporting team, myFault is based on the same government data used to report our series on seismic hazards in public schools. The app shows how the places you care about could be affected by landslide, liquefaction and fault rupture zones.
The app also includes an earthquake preparedness checklist for you and your family, based on recommendations by emergency responders, FEMA and the American Red Cross. We've also also included a flashlight (LED flash-enabled devices only) for use in emergencies.
Features include:


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Sometimes in all the rushing around, we forget to slow down and enjoy the moments. Shopping together takes the place of sitting around the fire roasting marshmallows. Hopping from party to party supplants taking the time to walk around and sing carols to your neighbors. It's hard to slow down -- we have as a hard a time with it as the rest of you. But this year, we're hoping to do things a little differently. Many of us have traditions that we carry with us from our own childhood. Decorating the house on the Friday after Thanksgiving. Polishing the menorah that has been handed down from generation to generation. Baking cookies for Santa on Christmas Eve. But how many of us have taken the time to create a tradition of our very own? One that we begin with our children and hope that they can carry with them as the grow up and continue with their families. Maybe it isn't really a tradition if this is the first you do it, but these ideas all have the potential to become one. And they'll help you to slow down a little and enjoy the season a little more.
Keep a journal throughout the year of things that each family member is thankful for. This is something that could be filled out every Friday night, for example. At the end of the year, maybe during one of your holiday dinners, your family can enjoy reading from the journal and reflecting on all of the wonderful things that happened during the year.
Help your child choose a craft to make as a gift for family members or friends. This is something that can be done every year with the crafts getting more intricate as the children grow older. Some ideas are hand-painted plates with cookies, hand-painted frames with a favorite photo from the past year, handmade ornaments, beaded candle holders, and flower pots with filled with candles or plants. For very young children, handmade cards, hand-decorated gift wrap, and sticker-coated gift bags are a great way to start.
Let each family member pick his or her favorite holiday book. Sit down together one night and take turns reading all of these treasured favorites.
Go caroling with friends and neighbors. This is such a wonderful tradition that seems to have fallen by the wayside. Afterwards, invite your neighbors over for hot chocolate and cookies.
Start a family cookbook for your child and collect all of your family's favorite holiday recipes. Be sure to collect recipes from grandparents, too.
Take your family out for an adventure to find and cut down your own tree. You might also take this opportunity to teach your kids about the importance of planting more trees when one is cut down.
Visit your local farmer's market and take a moment to thank local farmers for the hard work that they do all year long to provide your community with such a bountiful harvest. Let your children pick out their favorite seasonal fruits and vegetables to cook for the week.
Write a family newsletter and give each child a section to either narrate or draw something that is special to them and they want to share or remember. This newsletter can then be part of your family's album or part of a holiday card that you send.
Make s'mores together. You don't need a campout to make this delicious childhood treat. You can roast marshmallows in your fireplace. If you don't have a fireplace, pick up some bamboo skewers and tea lights at the grocery store. You can make s'mores right at the dinner table!
Not at all! You could cut a shape out- example a bell and have him or her glue (with fingers- great sensory activity) different items on, like colorful sequences or even use stickers if easier. Punch a whole in the top and hang it on the tree. :-)
Is my 18-month-old too young to do a Christmas activity with us, like make cookies or decorate the tree? Can anyone think of something that would be appropriate?
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The latest wave of cyberattacks on the nation's biggest banks continues.
BB&T (BBT), based in Winston-Salem, N.C., said Thursday that some customers who visited the bank's website were unable to log on or experienced waits.
The slowdown is at least the second this fall at BB&T, which weathered an electronic assault on its website in October.
"We've seen some intermittent delays and denial of service," BB&T spokeswoman Maria Lachapelle told American Banker. "Our teams are working closely to address the situation and there's been minimal impact to clients."
BB&T is the latest in a series of banks that have seen their websites swamped. Wells Fargo said Tuesday that customers had trouble retrieving their accounts online amid a threatened attack. Both U.S. Bank and PNC Financial have seen their websites besieged recently as well.
"Qassam Cyber Fighters Group today in its second attack has made BB&T Bank website out of reach and has disrupted this bank's customer service," read a message posted Thursday on Hilf-Ol-Fozul, a website that has tracked activity by the group.
The group, which has claimed responsibility since September for cyberattacks on at least 10 banks worldwide, threatened on Dec. 10 to sustain so-called denial of service attacks against JPMorgan Chase (JPM), Bank of America (BAC), U.S. Bank (USB), PNC (PNC) and SunTrust (STI).
Lachapelle said BB&T is encouraging customers who have difficulty banking online to call the company's customer service line or to visit one of BB&T's branches.
"We've got more than one way to take care of them," she added.


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Our Mission
The mission of the Angelman Syndrome Foundation is to advance the awareness and treatment of Angelman syndrome through education and information, research, and support for individuals with Angelman syndrome, their families and other concerned parties. We exist to give all of them a reason to smile, with the ultimate goal of finding a cure.
Our History
We are pleased to report that our organization is in the best financial condition in its history; has marshaled the assistance of a diverse group of world-class researchers; is funding cutting-edge research; and is committed to addressing the needs of its constituents.
During the two decades of our existence, the ASF has evolved and grown from a small group of concerned parents to a well-funded, well-run research-and-support organization capable of advancing the science and understanding of AS and improving the lives of people with this disorder.
Just as important, we have a clear indication of what is important to our community—a roadmap that we are committed to following.
The Foundation sponsors AS research through grants to researchers who pursue promising avenues of discovery. Since 1996, the ASF has been funding research grants. See ASF Funded Research for more information.
Education & Information
ASF is a national 501(c)(3) organization dedicated to helping families, care providers and medical professionals arm themselves with as much helpful information about Angelman syndrome as possible. The ASF sponsors a biennial conference which gives you the opportunity to hear the latest research results, therapeutic techniques, educational strategies, long-term planning and financial-planning information. The conference also offers many networking opportunities to talk to families that are dealing with the same issues you might be having while caring for an individual with Angelman syndrome.


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Carrington Research Extension Center to Host Beef Production Tour
Current research and outreach projects, winter rye silage, double-cropping forage systems with rye and measuring grass production are among the topics that will be covered during the annual beef production field tours at North Dakota State University's Carrington Research Extension Center on July 18.
The beef production program will begin at 9 a.m. with registration, coffee and a welcome. The livestock tour will depart at 9:30 and run until noon with Mary Berg, nutrient management specialist at the center, as host.
Agronomy, horticulture and sustainability/organic tours also will be held in the morning, and another agronomy tour and a soil health workshop will be held in the afternoon.
Topics and speakers for this year's beef production program are:
- Rye forage as a feed for cattle, including results of rye silage research and the Angus University feedout project, double-cropping rye when planted with barley as a forage crop, and swath grazing millet after harvesting rye - Chanda Engel, research specialist at the center
- Corn silage sampling project - Carl Dahlen, Extension beef cattle specialist, NDSU Animal Sciences Department
- Dry lot cow-calf creep feeding and how this applies to a drought - Engel
- Feed additives for enhancing rumen fermentation - Uchenna Anele, animal scientist at the center
- Feed mixing demonstration for determining adequate mixing time - Dahlen, Engel and Tim Schroeder, livestock technician at the center
The Carrington Research Extension Center is 3.5 miles north of Carrington on U.S. Highway 281.
For more information about the beef production program, contact Karl Hoppe, NDSU Extension area livestock systems specialist at the center, or Engel at 701- 652-2951 or email Hoppe at email@example.com or Engel at firstname.lastname@example.com.
NDSU Agriculture Communication - June 19, 2017
|Karl Hoppe, 701- 652-2951, firstname.lastname@example.com
|Ellen Crawford, 701-231-5391, firstname.lastname@example.com


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Hello, all-
When I need to make some adjustments to things like calcium hardness, total alkalinity, etc. I have to add certain quantities of chemicals. I've seen mentioned at various times to "add no more than XXX ounces per day" or other indications that there is a limit to how much can be used at once. Now that I am trying to find that info, however, I'm unable to find the specifics. In the spirit of this, I'm hoping some of the chemistry experts here can put all the important information on maximum rates of addition for the various chemicals we use to balance our pools. Likewise, it would be useful to know which chemicals can be added together or in the same pump cycle.
If this exists already, I couldn't find it.


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What lies below the frozen Arctic ice-sheets? Or in the black holes under the Caribbean Sea?
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Futuristic Vintage Illustration
I hunted around the internet for some vintage illustrations depicting the future. My personal favourite is this illustration from the 1930s showing two women talking on video phones (via Inverse). Below are some postcards by a German chocolate company showing what life would be like in the 2000′s: These personal flying machines are not unlike the [...]Read the rest of this entry »


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Ulx is located at 902 Leonard St NW, Grand Rapids, MI. This business specializes in Tourist Attractions.