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Anyone dealth with it seller asking to pay insurance and freight charges to courier http://www.malaicaexpress.com in seirra Leon Is it reliable
Gold Selling
Gold Dore, Gold Dust and Gold Nuggets
We offer a range of services for gold sellers to suit all types from the small artisanal miner with no transaction history up to the larger mine owners with stockpiles to sell. Read on.......
We offer three main services to anyone offering gold for sale and depending upon your scale we are sure you will fit into one of the categories below and be able to make use of our secured services. Being such a long established and reputable company it gives each new client the reassurance of dealing with a large company with the resources, knowledge and history to be able to get you the sale you want.
A question Im often asked is why you should trust our company but our company will not trust you with upfront payments? This is actually a simple answer. If I type in your company name on the internet will I get 1000's of pages of information, will I see over 10 years of history, will I see its run by a world renowned gold expert, will it show masses of advice from previous successful transactions? No, well ours does. I don't ask Barclays if they have money before I go in the bank.
If you are concerned about transacting 100's of Kg's of gold in one go, start small and just hand carry the first shipment to build trust. Most airlines will allow between 10-14 Kg's to be carried with you on the plane. We would rather have a small deal and a new seller than miss out all together!
BIGGEST MISTAKES MADE BY SELLERS: Firstly most sellers mistake is to trust a buyer based on documentation sent. There's as many fake buyers as sellers out there and LOTS of fake documentation, you really need to check it out. The easiest check is to look at their website (all real companies have them), go to 'who.is' on google and see how long they've been established (very easy and free check) and if its not at LEAST several years forget it.
Secondly, another mistake is to accept a Bank Comfort Letter , BG or SBLC from a Buyer. I'll guarantee you they are all fake, I've seen 100's of them. No real buyer will raise this for you and Ill tell you the truth why (I'm the only one who will). A REAL BG or LC issued by a bank must be issued with a LOT of paperwork, this includes why it is being raised. So if its real the the bank knows its a gold transaction, so the Bullion Officer must issue this financial instrument. According to banking law this will require SO many documents including the full history of the company, their mining licences, history, audited accounts, etc, etc.. Ive never met a seller in over a decade working in Africa that could meet these stringent requirements.
There are ways to transact legally AND safely, there are even ways to raise BGs and LCs correctly after several transactions. Read on to get it right and never again complain about losing your product to a thief when you have a real buyer right here telling you how to do it right and waiting to work with YOU!
A lot of artisanal miners and small scale sellers find it very difficult to get buyers to invest money into their companies or to visit them to see the product. Without any company accounts, transactional history or verifiable sales you will come across this problem from every real buyer.
Our Gold Escrow service allows both the buyer and the seller to transact in the safest manner possible with NO extra upfront cost to either party. This allows trust to be built in a completely safe and guaranteed environment where all risks are removed. We guarantee the safety of the product and the payment ourselves. Click on our Gold Escrow Link to find out more.
Once this trust is established further shipments become easy, as the procedures are known and both parties have capital to be able to continue or maybe even to move onwards and upwards to one of the options below.
Where a seller can provide verifiable transactional history, company account for the last few years and a catalogue of previous sales other options are available.
In this case we can arrange for one of our private buyers (or an authorised representative) to travel to meet you and view the product. We will expect the seller to provide all details of the product and paperwork up front so that time on the ground can be minimised.
Contracts and terms will be agreed before travel and are not open for negotiation once signed. We have very simple procedures that we have used time and again to ensure a successful deal. With level 4 trained Fraud Investigators on the team we can quickly assess a deal and its legitimacy to ensure a smooth transaction. Please contact us with your offer via email, using the link provided.
Our newest and most popular product is that we have now partnered with a Mining Machinery Supplier (American not Chinese machines made of thin steel) that can supply everything from Excavators, Diggers and Shovels down to Generators, Shakers and Conveyors. Almost any Agricultural or Mining Equipment can be sourced. PLUS it all comes with Warranties / Guarantees as well as Service packages AND Operator Training where needed.
This can all be delivered FOB to any Sea Port crated and ready to go within the agreed Invoice price.
All Equipment sales do require FULL payment in advance to our supplier before shipping commences. We accept Gold at any of our refineries as payment against these Machines and where needed we have an account facility that allows you to build up your savings over time if you are not able to afford the equipment you want with the Gold you currently have available.
This has proved to be our most popular product to date and we currently have orders of over $40 million within the first month! Please contact us with your requirements.
8 comments
June 13, 2017 10:07 amPosted 1 year ago
June 10, 2016 1:17 amPosted 2 years ago
What reputable couriers can be used to ship from Africa to Europe, USA or Australia?
April 10, 2016 6:00 pmPosted 2 years ago
What is the percentage shipping gold from Dubai to USA.
August 30, 2013 1:47 amPosted 4 years ago
I have been offered 5kg from Albert Nyogi an Kalozoweni Company Ltd. I have notice that their specs have changed three times on their assay reports. Eric kasongo works with Albert and asked us to send them money to ship to any destination. What has been your experiences working with this group. Do the Tanzanian Government know about them? Please advise.


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While smartphones aren't far behind, the notebook PC remains the go-to solution for workers who spend their time on the road, or simply want to create more workspace in their office. But with so many options and styles to choose from, how do you know which notebook is best for your business?
With notebook prices reaching all-time lows, it's easy for businesses to take the cheaper option by purchasing a number of streamlined, consumer notebooks, rather than notebooks that are built for business. Choosing the right notebook for your business could mean the difference between success and failure. Here are some of the essential features to look for—and questions you should ask—when purchasing a business notebook.
Spend your money wisely
Cost is always an issue when purchasing new technology, and that's especially true with notebooks and their variety of features and add-ons. While the final cost of your new notebook should always be a deciding factor, it's important to first take the time to see what you're getting for your money. Because there isn't a specific price range that ensures you're getting the right notebook for your business, know what features you need and what features you can live without.
Don't strain yourself
Depending on the size of the screen, notebooks can become quite heavy and cumbersome to carry around. If you're using your notebook as a desktop replacement in your office, size and weight probably won't matter, but it's a different story if you're a business traveler. As notebooks become thinner and lighter—without sacrificing quality, screen size or performance—road warriors now have choices that won't break your back.
Have the power
Most notebooks have the capability to handle everyday business tasks like document creation and email, but what about more intensive tasks like audio and video presentations? Notebooks like the HP EliteBook Folio 9470m can handle all of these tasks and more. Powered by dual-core processors, you're sure to stay productive from the airport to the office. When it comes to RAM, the right amount of memory will determine how many programs you can work on at once without slowing down your computer. As a general rule, 4 GB of RAM is most likely all you'll need to handle multiple programs simultaneously.
Keep on running
When working for long periods of time without downtime is important, it all comes down to battery life. Most business notebooks come with a variety of battery options, so the more "cells" (4-cell, 6-cell, etc.) you buy, the longer your battery will last. But keep in mind: the bigger the battery, the more weight that's added to your notebook. However, being able to run your notebook for a long period of time without a power cord could be worth the added weight. HP EliteBook Folio comes with a secondary battery that, when paired with its standard battery, provides double the run time.
Store more
You'll be surprised by how quickly your hard drive fills up with videos, multimedia presentations, and photos, so a spacious hard drive is always a good idea. You typically have two types of storage to choose from: Solid State Drives (SSDs) and optical drives. SSDs don't have any moving parts, making them more durable and better suited for the road, but their storage capacities aren't as large as optical drives, and they're more expensive. A 250 GB hard drive should be enough for most people, but you can certainly buy more for a minimal cost.
Don't forget about the other options
Do you do a lot of work in spreadsheets or work with a lot of numbers? Many notebooks come with a 10-key number pad feature than can save you a lot of time, but keep in mind that it does make the rest of the keyboard a little smaller. Another good feature to look for or add is an HDMI output. This allows for greater video quality over the standard VGA port, making your presentations look even better.
Businesses are expected to keep up with the increasing demand to be able to work—quickly and efficiently—no matter where your "office" may be. Choosing the right notebook and features will help you meet those demands.
Related Posts:
Disclosure: This page may contain external affiliate links that may result in us receiving
a commission if you choose to purchase said product. The opinions on this page are our own.
We do not receive payment for positive reviews.

subset: commoncrawl


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Spa Treatments
Spa Treatments
FLEURS DE BACH - Organic cosmetics
Our treatments use Fleurs de Bach organic cosmetics, coupled with exclusive massaging techniques and expert hands for a journey into the heart of well-being and serenity.
Rituals of new anti-stress massage for a deep well-being of body & mind...
Discovery Treatment (massage, 30 min) This facial treatment brings instantly relaxation and dissipates tensions thanks to finger pressure for a total well-being.
Back Relaxing Massage (30 min): a distressed massage for an instantly relaxation and well-being.
Purity & Wellness Scrub (30 min): this scrub, with sugar, gently releases body from dead cells and tensions. Then the application of body balm brings an exceptional relaxation.
Essential Relaxation Massage (60 min): this massage acts on areas of tensions and re-harmonizes body's energies. The body is relaxed and soul rested.
Intense Relaxation (scrub & massage, 75 min): a moment of total relaxation for an intense well-being. A scrub to smooth skin and a re-harmonizing massage to release tensions. A total well-being of body and mind.
Absolute relaxation (90 min): a journey into the heart of well-being and serenity. A voluptuous exfoliation followed by a body and face massage. The essence of pure relaxation at the source of inner well-being and the original balance between body and mind.
Pregnant woman treatment (60 min): a relaxing treatment to let go and re-harmonize body, adapted to pregnant woman (from 2nd quarter).
Our treatments are priced based on sequences of 30 to 90 minutes:
30 min. › 58 €
60 min. › 88 €
75 min. › 115 €
90 min. › 125 €
The duration of treatments included 5 to 10 minutes for your installation in the cabin and preparation.
All our massages are for wellness-relaxation and do not provide medical or paramedical care.


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Freephone: 0800 13 23 23
Price Match
Quick Quote
These ID badge inserts are available in packs of 250, and supplied as perforated A4 sheets which can fit into any standard printer. The thick, high quality paper is great for smudge-free printing. Each card measures 60mm by 90mm - the size of most standard badge holders. The badges could also be laminated and worn with a clip if preferred. These professional badge inserts are ready to print, tear and use right away, with minimal fuss and hassle.
Identification badges are needed by staff and by guests to your business premises, and these badge inserts allow you to make custom ID tags in seconds. If you have visitors to your site or building, record their name and arrival time in your visitor book when you allocate their ID badge. Badges can also be used to signify the levels of access a guest has to your premises, helping security to do their job more effectively. These badge inserts can be printed to suit your requirements, and easily slipped inside a badge case and worn.
Staff ID badges can be colour-coded to show position or department, or to show levels of security clearance. The badge inserts are designed to fit these colour-coded clip-on badges comfortably, and can be combined with coordinated vinyl wristbands to give a clear, visual indication of individual security status or to make identifying senior staff easier. The badge inserts can be printed however you like, so you may find some clever and inventive new ways to use the inserts and badges in your workplace.
Request yours today
Environmentally friendly and always at your fingertips
We use cookies to improve your browsing experience and help us improve our websites. For more information, please
click here.
By continuing to use our website, you agree to our use of such cookies.


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SOURCE: BMO Harris Financial Advisors
December 19, 2013 09:00 ET
CHICAGO, IL--(Marketwired - Dec 19, 2013) -
According to a study issued today by BMO Harris Financial Advisors, sixty-five percent of those surveyed in Illinois will be making at least one New Year's resolution for 2014. While health-related resolutions will top the list, financial resolutions, such as paying down debt and saving more money, are the second most popular set of commitments that will be made before the clock strikes midnight on December 31st.
When asked what types of New Year's resolutions they will be making for next year, Illinois residents identified the following:
"The start of a new year marks a great time to focus on an important goal, from getting more physical exercise to addressing your personal financial issues," said Michael Miroballi, President & COO, BMO Harris Financial Advisors. "If you want to put yourself in a better position to achieve any financial resolutions you make, a critical first step is to make sure you have a financial plan."
A financial plan helps people work towards their short and long-term goals, like the purchase of a new home, saving for a child's education or investing for retirement. It provides a roadmap that outlines the path from where they are today to where they want to be in the future. At BMO Harris Financial Advisors, the process begins with a financial advisor reviewing a person's finances -- including assets, liabilities, income, spending habits and investments -- then building a personalized plan that takes these items and risk tolerance into account and fits with the rest of his/her life.
Illinois and Financial Plans
The study found that 45 percent of respondents from Illinois have a financial plan. Of those who indicated they had a plan:
Of those in the state who do not currently have a financial plan, the most commonly cited reasons include:
Key National Findings:
About BMO Harris Financial Advisors
BMO Harris Financial Advisors, Inc., offers a comprehensive range of investment advisory products that include financial planning strategies and estate planning strategies to meet the financial needs of high-net-worth clients. Offices are located throughout the U.S. Learn more at www.bmoharris.com/financialadvisors.
BMO Harris Financial Advisors(SM)is a trade name of BMO Harris Financial Advisors, Inc. Securities, investment advisory services and insurance products are offered through BMO Harris Financial Advisors, Inc. Member FINRA/SIPC. SEC-registered investment adviser. BMO Harris Financial Advisors, Inc. and BMO Harris Bank N.A. are affiliated companies. Securities and insurance products offered are: NOT A DEPOSIT - NOT INSURED BY THE FDIC OR ANY FEDERAL GOVERNMENT AGENCY - NOT GUARANTEED BY ANY BANK - MAY LOSE VALUE.
Estate planning requires legal assistance which BMO Harris Bank and its affiliates do not provide. Please consult with your legal advisor.
The survey was conducted by Pollara with an online sample of 1,001 Americans 18 years of age and over (including 101 Illinois residents), between November 20th and November 26th, 2013. A probability sample of this size would be accurate to +/- 3.1%, 19 times out of 20.
Media Contacts:Patrick O'Herlihy
Media Contacts:Patrick O'Herlihy
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Once you walk into Pearl's Southern Comfort , you leave the commercial stores and streets of Chicago. You enter to smell the odors of a kitchen nestled deep in Southern tradition. The wooden ceilings and homestyle stylings beckon diners to a dining experience not to be forgotten. It truly stands out in an area most known for its Asian cuisine and is a welcome bistro to Edgewater.
Not knowing what to expect, we were bombarded with the best of service and smiles. Since it was a summer evening, cocktails were welcome before dinner. Obviously the winner was the 'traditional" Hurricane with its fruity taste and mixture of rums and pomagranates . It definitely had me with its sweet taste. I am not a big fan of whiskey drinks, so the Orange Blossom Special just didn't do it for me. Maybe back when I was into my Mad Man obsession and ordering old fashioned, but not tonight. The best thing to dive into following cocktails was the sampling of small plates. Between the choices we made and those presented to us, everything was a winner. I was happy that none of the food was too spicy , but still maintained its flavor . The crawfish cheesecake was an absolute delight with the tasty creole mustard sauce . What made it special was its cheesy flavor mixed with the fish. The Bayou Boudin balls were another thing that made us smile. The remoulade was quite tasty as well. But the over all winner for the small plates was the smoked pork poutine. We have become afficionados of poutine thanks to Jen's obsession of all things Canadian. This had the prequisite cheese curds and gravy , but what made it something to write home about was the use of pork rinds rather than the traditional french fries. The rinds could be used to scoop up the poutine. Bravo for creativity! Continuing the trip to New Orleans, you can't talk Southern food without talkin barbecue and Pearl's makes you want to smack your lips. The best way to sample the BBQ is with the Barnyard Combo . It s a little taste of each of the meats , including ribs and chicken, as well as the pulled pork shoulder.Team up that combo with the four cheese mac and the word of the day is cheesy. Jen is the cheese expert and she gives her ok with saying that it is the best she has tried . The mac and cheese just seeps with strings of cheese and that is what makes award winning mac and cheese. Their jambalaya beckons a return to the Big Easy with its tomatoey sauce and just enough spice to make the meal exciting, but won't kill your mouth. The jambalaya also had the right amount of shrimp in it. Definitely will return to eat again.
After this kind of meal, you can't even imagine the kind of desserts to try . Jen and I were split on our favorite. Jen fell in love with the banana bread pudding with the whiskey glaze. It was sweet enough and had that banana taste we love. My love of all things chocolate wins out again with the Nutter Butter Pie. The peanut butter taste was dynamite with its Oreo cookie crust. It was pure heaven.
You will be happy to know that you can also get these tasty treats for brunch as well. Pearl's also has one of the best rooftops in Edgewater . Unfortunately, the rooftop is only opened Tuesday through Saturday . But if you are cravin some of that good ole cookin, then make your way to Pearl's. You won't regret it. Pearl's is located in the Edgewater neighborhood right down from the Red Line Berwyn stop.
Sweet , fruity and yummy is one of Pearl's faves and now mine – The Hurricane
Spicy and filled with that Creole flavor- Jambalaya
Tangy sauce with the bayou boudin balls


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Find your perfect today Danner Boots 14574 Men's Brown Quarry Alloy Toe Waterproof EH Logger Boots. get expert advice on a Danner Boots 14574 Men's Boots. Compare prices from all the major suppliers!
FREE SHIPPING on orders over $49!
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Model : 14574
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Comfortable by Shoes produced from good quality together with premium design, saturated colors and more sizes available. Good quality in soft, smooth, durable and more comfortable offered by Danner Boots 14574 – Men's Brown Quarry Alloy Toe Waterproof EH Logger Boots. 14574 is very stylish, provides many qualifications that is lowest price, tender, soft, lightweight, comfortable and lovely colors to choose. Perfect with bright color combining see more color in main store.


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Yesterday I got my copy of Bitch: Feminist Response to Pop Culture. SQUEE! Lots of squee.
So why should feminist librarians (and feminists in general, obvs) subscribe/read Bitch?
Articles like Axis and Praxis: Disability at the Digital Frontier
Missed Connections: What Search Engines Say About Women
Book reviews! LOTS of book reviews. Like these 100 YA Books for the Feminist Reader + their "bibliobitch" tag for all book-related posts
+ more!
Plus just plain interesting stuff like Better Homes & Bloggers: Are lifestyle blogs a new way for women to compare themselves and come up short? (you can read that article in full by clicking the link, which is where the art also came from)
So go! Make thee hence and get thee to the bitchery!


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Georgia Tech SO Plays Henselby sarah - March 10th, 2015.
Filed under: concerts, premiere. Tagged as: 2014 Performance Grant, Fanny Mendelssohn Hensel, Georgia Tech Symphony Orchestra, Hsin-Lei Chen.
The Georgia Tech Symphony Orchestra, winner of a 2014 Performance Grant, will be performing two works by women composers in their concert tonight!
GTSO conductor, Chaowen Ting, has arranged Fanny Mendelssohn Hensel's String Quartet for string orchestra – a great project to showcase the chamber music of Hensel while giving opportunities for students and audiences to engage with the music in a new and exciting way.
The concert will also feature the world premiere of Novel Sphere by Hsin-Lei Chen, a rising Taiwanese composer.
More information about tonight's free concert available here.
For those of us unable to attend, here's a bit of the String Quartet:


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Locations & Hours
Contact Us
Customer Service
Best of the Bay - Best Bakery
Twelve Years in a Row
Best of the Bay - Best Dessert
Five Years in a Row
Our Gluten Free products are available from our freezer cases. We currently make Gluten Free cookies, cakes, muffins and brownies. The brownies are sold in a 8x8 square pan. Cookies we sell in packs of two and we offer chocolate chip cookies and monster cookies (peanut butter, chocolate chips, oatmeal and M&Ms).
At this moment we do not have a facility that is completely gluten free. There is a 20 hour period in our mixing room since the last gluten product is made so most of the flour is out of the air. As well we wipe down all the mixers very clean to make sure no flour falls in while mixing. After mixing it is quickly transfered to the gluten free room which never has gluten products in. Door stays closed at all times except when we are going in and out. The unbaked product is taken to the oven in a cabinet and then brought back in that cabinet. We package them into bags in the gluten free room. The oven does bake both gluten and gluten free products. At this time, that is the best we can do for facilities.


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Evolution of Filing Taxes
The days of calculating taxes with pencil, paper, and adding machines are long gone. These days, it is all about using technology to manage and calculate taxes.
Tax codes in the modern world are long, complicated and confusing. With rules and loopholes for all streams of revenue, it is impossible for even the most brilliant financial minds to comprehend without help.
Small Business Owners Bear the Brunt of the Confusion
Because small businesses require so much time and attention just to keep in operation, calculation of taxes is a task left to accountants or sophisticated software. Most people simply keep track of revenue and expenses, then leave the calculations to applications. They hope for the best and prepare for the worst when the final tax bills are calculated.
Even accountants rely on computerized systems to calculate taxes. Some even admit that they do not understand how it all works.
Fortunately, the companies that create these incredible systems pride themselves on accuracy – even touting their application's abilities to find those loopholes to save people money on their tax bills.
Accounting software makes taxes a simpler process for all. The most popular tax application programs are made by Quicken, H & R Block, and Intuit.
Quick Books (Quicken)
This mega-sized empire offers sophisticated programs targeted to small businesses. The main program includes simple ways to track and manage expenses and revenues, then spits out reports that make filing taxes a breeze. Business owners love the new mobile apps that allow them to catalog expenses and revenues in real time, saving them time and stress at tax time.
H & R Block
Known mostly for helping individuals file taxes, this company also creates proprietary programs used by accountants nationwide. Accountants almost never break out the old adding machine; rather they input numbers into a guided "interview." The program then generates the forms and files them electronically. Of course, there are also less complicated applications available online that allow people to do go through a similar, less detailed process.
The makers of Turbo-Tax are some of the longest competitors on the marketplace of tax filing applications. They carefully research all of the relevant tax laws for individuals and small businesses, plug them into their "interview process" and voila – forms are completed and taxes are calculated in a matter of hours rather than days. Intuit also offers tax programs for professional accountants.
Valuable Resources
In addition to their programs, all three of these companies act as resources for confused taxpayers. Their websites are filled with free calculators, informative articles, and tax tables to help people wrap their heads around the inner workings of US tax codes. They offer mobile apps that do everything from track expenses, process payments, and reference. Because of these companies, taxpayers everywhere are more empowered and prepared than ever before for tax season.
contributed by Hank Newell, an accountant and blogger who is an expert in tax accounting, forensic accounting and specializes in Phoenix business appraisal. His advice and research has appeared on software, finance, and accounting sites and blogs.


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Reclining Sofa: 91"W x 42"D x 39"H
Reclining Loveseat: 67"W x 42"D x 39"H
Leather Match upholstery feature top-grain leather in the seating areas with skillfully matched vinyl everywhere else. Leather Match upholstery in Zackary leather, offers the luxurious look and feel of top quality leather with the benefit of protection. This casual contemporary style features the comfort of plush pillow top arms and divided back for added lumbar support perfect for any relaxing living room environment. The natural milled leather surface offers a luxurious soft and supple hand while the subtle two-tone effect enhances the depth and vibrancy of the upholstery color. Zackary is a Protected Leather (Cleaning Code: E) and is perfect for active households.


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Sold By
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Reduction! Room to Grow
- 5 Beds
- 3 Baths
- 8 Cars
The Property is set on large block of 3650 m2 in East Carnarvon, comprises of 2 dwellings. The main residence is a 4 bedroom 2 bathroom brick home with separate lounge, open plan family, dining and kitchen area, 4 good sized bedrooms with built in robes, ensuite to main bedroom, second bathroom, laundry, back patio entertainment area, lock up garage, tiled floor throughout, security system and solar hot water.
The second dwelling is a well appointed self contained 1 bedroom 1 bathroom unit with lots of space in the living area the unit is well fitted out with all modern fittings. Attached is a front verandah, plus a 2 bay work shop/ garage.
The unit is a good distance from the main dwelling with plenty of room to move and privacy.
The location of the property retains that semi rural feel but is close to all amenities. The total complex is in excellent condition and there is lots of room for any extra development if a new owner so wished.
- Air Conditioning
- Built-In Wardrobes
- Garden
- Secure Parking
3 garage spaces and 5 off street parks
Do you want to find out more about this suburb? Enter your details to receive a free comprehensive suburb report.


text: IBM Cognos Insight (BIG-IP v11: LTM) This F5 deployment guide provides detailed information on deploying the BIG-IP Local Traffic Manager (LTM) with IBM Cognos. The BIG-IP LTM brings high availability, SSL offload, and TCP optimizations to IBM Cognos solutions. F5 and IBM have a deep technology partnership that spans the entirety of the F5 product line and IBM's software pillars. By combining F5 with IBM Information Intelligence software such as Cognos, customers gain the benefits of the F5 and IBM partnership. While this deployment guide highlights the most common deployment scenario, F5 and IBM can always work with customers to test more advanced deployments. In this deployment guide we describe how to load balance IBM Cognos with F5 BIG-IP LTM. This solution brings the following key benefits: High availability and better uptime for mission critical applications such as IBM Cognos. Offload SSL from your Cognos Web Tier to reduce the number of required front-end servers and provide a faster end-user experience. Optimize TCP connections on a per-user basis to both reduce the overhead on the Web Tier as well as provide the best possible end-user experience. Enable better visibility through BIG-IP Analytics. This deployment guide covers the scenario of optimizing Cognos with the BIG-IP system load balancing the Microsoft IIS Servers to provide offload as well as high availability. The following diagram shows a logical configuration example. Download Deployment Guide Related Guides IBM WebSphere 8 (BIG-IP v11.2: LTM, ASM) IBM WebSphere MQ (BIG-IP v11.1: LTM) IBM InfoSphere Guardium (BIG-IP v11.2: LTM) IBM Lotus iNotes (BIG-IP v11, v10: LTM) IBM Lotus Sametime (BIG-IP v10: LTM) IBM QRadar (BIG-IP v11.3: LTM) IBM Security Access Manager (BIG-IP v11.4: LTM, AAM) IBM Tivoli Maximo Asset Management (BIG-IP v11: LTM, APM, AAM)


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I'm so excited to be launching a new project with my sister (and business partner) – Styled, a Design Workshop Series. This ongoing series is an event where design and events come together to offer the latest trends, best in DIY and best-in-industry expertise for creating lavish weddings and stylish events.
We've partnered with some of our favorite wedding vendors in San Antonio to make this a top notch event: Bella Bridesmaid, Fresh Urban Flowers, Christine Sargologos Photography and 2tarts. This first of the series is right around the corner:
"Designing Your Perfect Event/Shower"
Sunday, May 19th at Bella Bridesmaid
2:00 to 4:30 p.m.
What's exactly is a design workshop?
Great question! From design concept to implementation, this workshop will arm you with tips and tricks for styling and entertaining at your upcoming event. The session includes DIY projects, floral décor, photo tips, splendid treats and fashionable ensembles. Plus, it's a great chance to get together with your leading ladies and enjoy an afternoon chatting about all things wedding and design.
How do I get Tickets?
Space is limited to 25 guests. You may purchase tickets for $25/person – admission will not be available the day of the event, so please purchase in advance. Feel free to share with your friends and family – we'd love to see you at the workshop!
If you can't attend but don't want to miss out on future workshops, please visit Styled, a Design Workshop Series to sign up for the newsletter. We won't spam you, but we will send you emails about upcoming workshops so you can be first to sign up for future dates!


text: This bitch was used to sleeping with other women's men. She had to be taught a lesson so mistress Venus Vendetta laid a trap for her and when she took the bait, she found herself along with the mistress who proceeded to humiliate her. She deepthroated her using a strap-on and nearly choked her. She told her it was a warning and that if she did not change, she would only have herself to blame.


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- Worldwide Rank #39,728,741
- Follower/Following Ratio 0.25
- Daily New Followers 0
vanessa santos Twitter Stats
@11vanessasantos - Tracking vanessa santos Twitter profile since April 8, 2015
packaging & graphic designer | Interior Design | Passion for graphics, interiors and helping others | https://t.co/bjLFa42jtM
Toronto, Ontario
vanessa santos's story
vanessa santos, also known as @11vanessasantos has a reasonably significant presence on Twitter and is ranked by us in the 30% percentile for account strength. Active on Twitter since November 2012, vanessa santos made it to having a respectable 294 Twitter followers and to being ranked 39,728,741 for number of followers among all Twitter users.
Uh-oh... seems like someone has fallen asleep while on duty and is dropping in social relevance. The plot thickens when considering vanessa santos's follower-to-following ratio, which is 0.25. This actually doesn't reflect so well on this account's strength.
@11vanessasantos tweets very frequently, with an average of 0 tweet(s) per day in the past 30 days. That's pretty consistent with a total of 296 since @11vanessasantos joined Twitter.
This account is tracked by us Only April 2015. As of August 22 2018 we track 290827700 Twitter accounts, so feel free to search for other accounts you're interested in and reveal their Twitter story!
vanessa santos Tweets
@11vanessasantos has posted 0 tweets in the last 13 days, which translates to an average of 0 tweets per day.
vanessa santos Twitter Followers
@11vanessasantos has 294 followers on Twitter.
This account is #39,728,741 in the worldwide rank of the most popular Twitter users.
vanessa santos Following on Twitter
@11vanessasantos is following 1,158 Twitter accounts.
Last month this account followed 1,030 users.
vanessa santos Predictions & Milestones
@11vanessasantos will hit 294 followers in the next 3 months, and 294 in one year.
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We track these Twitter stats since April 8, 2015 . You can see how many followers vanessa santos lost or gained and what the prediction is for tomorrow or the next 15 days, together with all kinds of other stats like rank compared to all Twitter users, tweets etc.
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The Bridge Road Children's and Community Centre project was a fantastic opportunity for us to work with Cundall Consulting Engineers and to have a bit of fun with our installation. Children come to the Centre to play and learn so our luminaires needed to enhance their enjoyment, as well as compliment the space.
The centre had a very unique style, with a tilted ceiling and a long, angular hallway. We suspended Kleo LEDs in the main foyer using wires that matched the angle of the ceiling, allowing it to cast its strong beam into every corner. We also placed some recessed LED Advances in the entrance way, resulting in a warm, welcoming glow.
The long hallway was no trouble at all, as our luminaires and fittings can be made to cater to extra-long lengths.
But now for the fun part. The Bridge Road Centre is bursting with colour and shapes, from the blue tinted windows, the bright orange cupboards and purple squares and triangles on the floors.
To blend our solutions in with this canvas of creativity, we added powdercoats of yellow, red and orange to the wire suspended classroom fittings, which were built in L and Y shapes. We also installed blue diffusers in the black Kleo's in the foyer areas, which casts an uplight matching the blue tint of the windows.
It just goes to show that not every project has to be all work and no play…
Providing uniformity both aesthetically and light distibution, the Kleo has the ability to become a feature or blend into the architecture of lit spaces.
The LED Advance provides consistent lighting across varied surfaces, keeping an all important uniform look throughout the project with slim, designer aesthetics of the profile.
59A Rimfire Drive
Hallam VIC 3803
Get Directions
Please call or email us for a friendly conversation about your lighting needs, or to find out more about mLight products.


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Plunged into the ocean of misery, troubles, and even losses, you are managing to find the way for your survival, but everything is without your control. From difficulty to difficulty is trying to push you down into the bottom of life, and you have no way to avoid these unforeseeable troubles. Eventually, the unexpected events and terrible consequences quickly cover your whole life. It's obvious that you will be better if there is someone warning you about unfortunate things coming to you. Talk to a psychic and ask him some good questions to get his guidance.
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The psychic power is directly correlated with foreseeing future events, perceiving others' energy and thoughts, listening to the spirit's voices, and talking to the spirits of the death. How incredible! As a result, many individuals thirst for getting readings from them since these readings may be the vivid advice on how to reach bliss and success. Besides, these also help evade wrong decisions or stupid jumps in life.
What Are Good Questions To Ask A Psychic?
After selecting our favorite psychic which suits our need, we should start learning how to give questions to him. It's noticeable that we must pay money for the conversation with him, so each minute is very valuable. Hence, it will be a stupid thing if we waste time on the long-winded talk. Focus on our troubles, share them with the psychic and ask him about knots in our mind. Our story and matters must be given out clearly and smoothly. It's better to prepare a list of questions we want to ask before starting the chat.
Note that each of us will have some free minutes for the short talk before paying money for going on. Therefore, it's advised that we need to get answers from the psychic with the goal of understanding their power and experience first. With this amount of time, we should not tell anything related to our personal issues because it's wasteful.
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After every defeat, political parties forget the public for a while and retreat into themselves.
It is part and parcel of the process, and one of the inevitable consequences of a bad result.
We've come to expect it from them.
In a way, it's comforting.
Or it is, at least, when there's some prospect of them getting it right, of realising what has gone wrong.
Looking at The Labour Party tonight, there is no sign at all that they understand this.
Only a few, a very few, members appear to get what this verdict means. Only a handful of its MP's understand where they will have to go in order to be credible again.
Political parties have a bad reputation in the Western world. A lot of people – a lot of potential voters – think they routinely lie.
They do, but the worst lies are not the little white ones they occasionally tell the electorate.
The worst lies are those the parties tell themselves.
Amongst the ranks of Labour one of the most egregious falsehoods I have heard in recent years has actually taken on the solid form of Truth although it bears no resemblance to and has no relationship with that word.
It is this; that Labour's manifesto in the election was "too left wing."
Labour's "grandees" have all weighed in to tell us that was the problem. Ed Miliband's resignation has opened up the leadership campaign which, in some ways, was inevitable from the day he took over the party and I am not surprised to see a troupe of familiar names throwing their hats into the ring.
They all have one thing in common; they are "modernisers."
Not a one of them will lead the party in the right direction.
The malaise in Labour is now permanent and that is a tragedy for those who believed, for years, that it could be won back to social democracy.
I was dissuaded of that belief a while ago, and I know how hard it is to have the rug pulled from under your feet like that.
Today, in a shameful but revealing moment of blind lashing out, Harriet Harmann, currently standing in as leader of the party, appeared to blame the trade unions for the defeat when she said they would play no role in the election of the new leader.
Mandelson then crawled out of whatever cesspit he's been hiding in lately to say the party's reliance on union funding would have to end.
No shit it has to end.
I daresay the contempt the leadership has displayed today for unions and their members will speed up the movement towards that.
I have been arguing for years (nearly 20 of them now) that the unions' unquestioning adherence to the Labour leadership, and their writing of cheques to fund a party that plainly despises them, was for mugs.
Back then I wanted them to support only candidates who echoed trade union politics.
I wanted them to push for party reforms that would open up selection meetings to something approaching local primaries and aggressively oppose candidates who weren't up to snuff.
There was a lot of talk … but nothing has happened, much as these same unions talked all the way through the Cameron years about mobilising for a General Strike if the behaviour of the Tory government became too much to bear.
Again, nothing and I am not daft enough to think this was because they lacked the will.
What they lacked was political support.
It would be hard enough fighting an all-out war against the government … but how the Hell are you supposed to do it with the opposition sneering from the sidelines too?
On top of that, they were hampered with trade unions bosses who wanted to be MP's. This myth about Labour being the creature of the unions is a nonsense. Anyone who's been in the game long enough knows the opposite is even truer.
If politics really is, as the Blairites believe, about "what have you done for me lately?" then it has been the better part of my life since the unions got an answer from Labour that was anything less than the old one finger salute.
Those on the right of Labour have hammered away at Miliband for pursuing a "35% strategy."
If only they had, David Cameron would have been packing his pencils on Friday morning instead of dancing on the tables in the Downing Street dining room singing "Hail to the Chief."
Labour secured just over 30% of the vote.
Cameron was elected on 36%. UKIP polled 13%, and much of those votes came from white, working class voters who would have given Labour their support had there been anything on offer for them.
On the other hand, all those disillusioned Lib Dems who voted Tory were there to be won over.
Does anyone really believe they obliterated their own party because it tempered the Tory lurch to the right?
They were there for the taking. Labour offered them nothing to gravitate to..
Listen, I said in a previous piece that there were no serious issues being debated during the race. But in many ways that doesn't matter.
Those things are always at the back of the public consciousness, and are the starting point for all those "strong leader" polls.
A party that doesn't know what it is for, far less without a clear idea of what it wants to do, will never gain the confidence of the public.
The right wins consistently not because their policies are better but because they are much better at dictating the terms of the debate and they are much better at selling themselves. They do it in two ways;
First, they believe. The real zealots in politics on this island have always been found on the right. They pursue politics with vigour and determination and they never waver from core principles.
If they concede ground at all it is a matter of tactics, something to be rolled back in time.
On the strategic level they never lose sight of the bigger picture.
Secondly, they are confident. They believe in themselves and their message in a way the Labour left simply doesn't and hasn't been able to for decades.
This is why the success of the SNP has me so satisfied at the moment. Their socially conscientious vision was sold with real passion and verve, and with not a little swagger.
Nicola talks like someone who not only believes in what she is saying, but someone who cares about the things she talks about, and she understands that people want that in their politicians because the average person really doesn't know that much about the issues and wants to be sure that whoever they vote for actually does.
Today's newspapers were full of editorials from Labour wannabes, all talking in the same vague concepts and with the same empty slogans.
And the media loved it because this is how these people talk and this is the world they inhabit.
Contrast any of it with the passionate, angry interview Mhairi Black did with Libby Brooks earlier today. That interview was laced with conviction and certitude, and it vibrated with quiet fury and determination.
She's not even taken her seat yet but that young woman, only 20 years old, could dance rings around the New Labour frauds lining up for a shot at being their next leader.
When Miliband resigned the other day what struck me most about his speech was the complete, and sickening, absence of any thought at all, any mention whatsoever, for the millions of people he and his party had comprehensively failed.
It was a call over their heads, as if they weren't even there, to his own foot-soldiers.
I thought it was loathsome.
Yet the press lapped it up.
I read praise from everyone from Polly Toynbee to Dan Hodges, and I realised that these people don't get it either.
They have no idea why Labour lost this election, and they are retreating into their own comfort zone and playing the "back to the 80's" card.
But Labour's manifesto was not left wing in the slightest and it was not particularly ambitious either.
Where it was not stuck in the mud and the safe ground – a limited price freeze on energy prices and a minimum wage rise below the rate of inflation, by Christ – it was veering wildly right, and with the infamous, notorious, "immigrant's mug" actually plumbed the gutter.
All of the prospective leaders in today's papers spoke in the same bloodless language of the focus group head.
All talked about re-embracing the politics of Blair, without realising that it was the Tories image as weak and exhausted as much as anything else which helped secure the two landslides.
In contrast, Labour was a united party getting behind a driven leader. These people don't even want a real debate, so the notion of a united party is a fantasy right away.
I would argue that the Labour manifesto in 1997 wasn't nearly as rooted in the right as Miliband's critics would believe.
Labour's 1997 manifesto, whatever else it might have been, was committed to investment, support for the public services, a national minimum wage and devolution for Scotland; in other words, part of what drove public support for them were precisely those parts of the manifesto that were left wing.
Miliband was offering nothing near their scope and fearlessness.
The core vote strategy did not work because there was no point during the election where they were focussed on appealing to the core vote.
They offered the heartlands nothing but Tory Lite and when you're in an election and you ask people to choose between a pale imitation and the real thing they will choose the real thing, each and every time.
Labour is pinning its hopes on the likes of Chuka Umunna. That means it's pinning its hopes on simply existing. Their ambition has gone, except for an ambition to power.
Its members and MPs are about to conduct another internal inquest into what went wrong. They may lean on the focus groups, but that reflects only the narrowest strand of public opinion anyway. To the rest of us, they are offering the cold back and the deaf ear.
Ironically, many of them talk about "building the movement" again.
But from what?
They are preparing to decisively sever the union link and they are veering rightward, which says something considering where they are now.
They look north, with envious eyes, at the SNP surge. They don't seek to – or want to – understand how the SNP accomplished the seemingly impossible. How it won over their supporters.
It is the ultimate manifestation of arrogance.
They see how the party's membership has soared and the way in which their message has caught the public imagination and they think they can replicate this with a photogenic candidate and an appeal to "aspirational voters."
But even those voters feel afraid in a world that is increasingly uncertain. What's the point in aspiring to achievement if the state does not provide a safety net in case things go wrong? At its best aspiration means risking everything, and who wants to risk anything in the current climate?
Besides, the idea behind aspiration has never been up to much in a closed society like Britain where it still matters what school you went to, who you know, what wealth your parents had and all the other manifestations of class we see around us.
It's all very well being "aspirational" but the sad truth is the vast majority of people do not live on the "average" salary far less above it … and the vast majority of us never actually will.
You don't change that by chasing the votes of those who've already made it.
You find a way to help those who haven't and you provide some security for those who can't.
In Scotland, the party elected a Blairite and have paid a colossal price for that idiocy and hubris and mistaken belief that the people who live here are stupid.
In England the heartlands which have spent the last five years under the hammer, and who face five more, badly need a party that understands them and cares about their plight.
More and more it becomes obvious; that party is not Labour.
They just don't get it. They really don't.
Another defeat in 2020 is now as near as certain.
For its own sake, Scotland had better be well on its way to independence before then.
(This site continue to need your support. If you can help, you can subscribe to us with the Follow button, you can share the articles on social media, or if you're able you can make a donation. Thanks to those who have.)


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Smile lines and facial wrinkles created by facial muscles define our faces and show our positive emotions, but may also be seen as frown or scowl lines. Botox Cosmetic treatments can relax specific facial muscles leading to smoothing of crow's feet, frown lines, and forehead wrinkles, making your skin look more youthful and rejuvenated, and showing a more positive outlook. Botox Cosmetic treatments even have the potential to prevent new wrinkles from forming.
Botox can also prevent embarassing social sweating. Underarms and palms can be treated so that minimal if any perspiration occurs, even on the most stressful occasion or life event. A single treatment can keep you dry and confident for up to 6 months.
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Justice League Adult Deluxe Mera Costume
The Ocean is a mysterious place. Ruling its dark depths is far from simple. There are a lot of forces to keep in line. First, there are the humanoid residents of Atlantis's halls. They have to be kept healthy, fed, and safe. In today's world of submarines and oil rigs, that's becoming more difficult than ever before.
Then there are the animals that live with the fancy finned sea people. Some are more difficult to communicate than others. Sharks, for instance, are surprisingly willing to live in harmony with Atlanta's occupants. Octopi, however, have a tendency to have their tentacles in all sorts of trouble. When the royal ocean jewels go missing you can be sure a cephalopod has worked their way into that treasure chest in one way or another.
Mera's responsibilities don't stop with her subjects both wild and domestic, oh no. She has to be the ambassador of the deep along with Aqua man. She has to venture on land to ensure all is well because chaos on land can spread to chaos in the sea. She can't stay there long though, Mera gets her strength from the unpredictable salty waters of the ocean.
If you want to become the Queen of Atlantis we can't promise you the ability to manipulate water, telepathically communicate with animals, or freely roam the legendary undersea city but we can set you up with her breathtaking look. You'll feel fierce in this green and gold jumpsuit with geometric designs and angular accents. The shiny green fabric is eye catching with a scale pattern and gold fabric armor pieces. You'll love the intricate neckline and golden headpiece. Whether you're on land or sea, no creature can help but bend to your will!
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CHARLOTTE, NC (WBTV) - When we want to know how to turn our holiday parties up a notch and really make them special, we turn to Charlotte wedding and event planner Ivy Robinson.
On WBTV News Saturday Morning she shared some ideas for creating the perfect holiday table settings and incorporating a theme throughout the party.
For more information about Ivy, click here.
Copyright 2012 WBTV. All rights reserved.
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Key: A Minor (Transposable)
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In their search for ways to shift the credit risk of mortgages from taxpayers to capital markets, Fannie Mae and Freddie Mac may be overlooking important players: the lenders that make these loans in the first place.
The government-sponsored enterprises now share risk on about 90% of the balance of newly acquired 30-year fixed-rate mortgages, their core business. But so far, they are relying primarily on transactions that offload risk after they have acquired these loans, leaving taxpayers on the hook for a time. And the two biggest programs, Structured Agency Credit Risk (Freddie) and Connecticut Avenue Securities (Fannie), have a limited investor base.
Mortgage bankers would like a shot at shifting some of this risk before they sell loans to Fannie or Freddie, either via private mortgage insurance or by retaining it themselves. In exchange, they would negotiate a reduction in the fees the government-sponsored enterprises charge for their guarantees.
Earlier this month, David Stevens, chief executive of the Mortgage Bankers Association, penned a letter to Mel Watt, director of the Federal Housing Finance Agency, asking the regulator to incorporate explicit targets for this kind of "front end" risk sharing in the GSEs' 2016 scorecard.
Stevens' letter focuses on mortgage insurance, which he says would be "operationally easiest" for the vast majority of lenders.
Leveling the Playing Field
"The MBA believes that up-front risk sharing should be approached in a manner that maximizes the opportunity for the market broadly, and should not advantage certain lenders relative to others," the letter states.
Private mortgage insurance has traditionally been used to reduce the potential losses on low-down-payment mortgages, those with down payments of less than 20%. The idea is to have private mortgage insurance absorb even more of the losses, making the risk to Fannie and Freddie equivalent to that on a mortgage with a 50% down payment.
In exchange for taking on this risk, mortgage lenders would negotiate a lower "G-fee." This discount would be passed on to borrowers in the form of a lower interest rate, offsetting the cost of the additional mortgage insurance premium. "So the all-in payment for a borrower has got to be at least the same, and potentially less," Michael Fratantoni, the MBA's chief economist, said in an interview.
"Ideally, borrowers are no worse off, or even better off," he said.
This kind of tradeoff could also make some lenders willing to lend to more borrowers, increasing access to credit. Currently many lenders don't make loans with LTVs above 80%.
The MBA sees a lot of fat in G-fees.
Fannie and Freddie are now charging more than twice as much as they did a few years ago, even though they are taking on less credit risk than they were before the financial crisis. For example, average credit scores for GSE mortgage purchases prior to the crisis were about 720; today they are 760. Similarly, the weighted average LTV of loans outside of the Home Affordable Refinance Program are in the high 60 range, several percentage points lower than in the early 2000s.
By lowering effective LTVs to 50 or 60, lenders expect to be able to negotiate G-fees that are substantially lower, perhaps in the single digits. The rationale? Only in a catastrophic situation are homes likely to lose more than half of their value, resulting in losses that Fannie or Freddie must make good.
Increased Counterparty Risk
While deeper mortgage insurance would bring more private capital into the mortgage market, it would also require the GSEs to take on more exposure to private mortgage insurers, which took a beating of their own during the financial crisis. Some were unable to pay all of their claims, resulting in losses to Fannie and Freddie, and, ultimately, to taxpayers.
U.S. Mortgage Insurers, a trade group, has proposed doing a pilot program of $50 billion in deep cover with private mortgage insurance in 2016. A study the trade group commissioned from consultancy Milliman posits that a program taking insurance coverage to 50% LTV on this amount of GSE loans would require private mortgage insurers to hold $720 million of additional capital for the 2016 book year.
USMI President and Executive Director Lindsey Johnson said the industry has ample capital to do this today. "The MI industry definitely has capacity to go down to 50% LTV for loans in the above 80 LTV space," she said in an interview.
Johnson noted that the industry has attracted over $9 billion in new capital since the crisis.
She also pointed out that insurers have new higher capital standards and are subject to rigorous operational oversight under the Private Mortgage Insurer Eligibility Requirements issued by the GSEs. They also implemented new master policies that provide greater clarity and assurances about the consistent handling and payment of MI claims, bringing greater transparency to contractual protections for lenders and investorWhy stop at an effective LTV of 50, aside from the fact that it's a nice round number?
Under current mortgage-insurance requirements, depending on size of the down payments, for some mortgages, mortgage insurance covers down into the mid-60s already. "While it may not sound like that big of a difference, by covering the additional amount down to 50% LTV, you can nearly double the amount of loss protection afforded to the GSEs and thus the taxpayer," Johnson said.
Lack of Disclosure on Lender Recourse
There's another way for lenders to "derisk" loans before selling them to Fannie and Freddie: by keeping this risk on their own books, at least initially. To date, only a handful of mortgage lenders have engaged in such transactions. Two real estate investment trusts, Redwood and Penny Mac, have sold loans to Fannie in which they retained the first-loss position. Redwood absorbed the first 1% of losses in one such deal and Penny Mac the first 3% or so in another, both in 2014. Two other lenders have sold loans to Fannie via transactions in which they absorbed the first 4% to 5% of the risk, but later sold this exposure to a third party. JPMorgan was the first to do so, in 2014; both Wells Fargo and JPMorgan did deals this year.
Stanford Kurland, founder, chairman and chief executive of Penny Mac, made a case for lender recourse transactions in an op-ed published in September. Kurland said these deals align market incentives. "Investors in private securities and loan servicers have every stake in the success of the loan and the homeowner because they know they will bear the bulk of the losses," he wrote.
But Fannie and Freddie don't disclose the level of G-fee discounts that these lenders negotiated, which might entice more lenders to participate. That is a major weakness, according to the Urban Institute paper, which was co-authored by Laurie Goodman, Jim Parrott and Mark Zandi.
The paper notes that lender recourse transactions are only practically available to larger lenders, which may use them to gain an advantage over other originators. "To mitigate this risk, the GSEs must take care not to underprice the guarantee fee charged in these transactions and keep the cash window to the GSEs open for lenders of all sizes."


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The fine tuning argument is (still) a failure
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|6 years ago
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I'd like to debate, once more, the merits of the fine tuning argument.
The fine tuning argument for the debate is any argument that uses in its premises data about the 'fine tuning' or apparently narrow life permitting range of the various constants, and concludes with the existence of God. Examples would be Collins' work in the Blackwell Companion to Natural theology, Craig's argument, etc.
I will attempt to show that any version of the fine tuning argument is a failure. An argument is a failure if it fails to raise the likelihood of the conclusion.
I had the pleasure of crossing swords with InquireTruth last time. He is more than welcome to join again, but I made an open challange for anyone else who would be inclined to debate the topic.
R1 accept, No new arguments in R4. References in comments fine.
I hope to have a both fun, and informative debate!
Thanks to Hello Orange for joining. Here, I will firstly explain how a fine tuning argument works. Then I will show it doesn't.
Framing the Fine tuning argument
The Cosmological data suggests that a universe with any of its initial conditions or parameters (like the cosmological constant, the strength of the gravitational force, etc. etc.) were ever so slightly different, there would be no opportunity for intelligent life to exist - the universe would collapse back in on itself, there would never be any matter, etc. etc. In short, the universe seems 'fine tuned' for intelligent life.
This can be used as an argument for theism. If (as theism says), the universe is the product of God's creative agency, then that the universe has intelligent life like us is unsurprising, for this is what God wants.[1] Yet, on Atheism, there is no such expectation, and if life-permitting universes only occur with finely tuned parameters, it is awfully surprising one just happened to occur.
A Bayesian gloss (after Collins 2009):[2]
P(LPU|T & k') >> P(LPU|ASU & k')
LPU: Life permitting universe
T: Theism
ASU: Atheistic single universe[3]
k': our background knowledge, subtracting (inter alia) knowledge of our existence or this universe existing.[4]
So if, as the fine tuning data suggests, a Life Permitting Universe is ultra rare in the space of possible universes, then P(LPU|ASU&k') is ultra low. Providing P(LPU|T&k') is not ultra low, we have confirmation of Theism over Atheism, and the fine tuning argument is successful.
So why is it a failure?
This argument implies the universe 'could have been different' with respect to its fundamental values, parameters, etc. On the face of it, this talk is tricky – we don't know what the 'universe generator', if any, is. So there is no guarantee that the universe on Atheism would be formed by some random setting of all the separate dials. Yet if we do not know the process, how can we say a particular result is improbable?
It seems the best hope for the Fine-tuning argument is to apply indifference to all epistemic possibilities. Given we have no idea how a universe (or laws of physics) would be formed, on Atheism, our best estimate is to assume all conceivable ways the universe could conceivably turn out is equiprobable: so the probability of the gravitational constant landing between x and x+c is the same as x and x-c. Given the 'life permitting range' of all sorts of constants looks very small indeed, we should still say P(LPU|ASU&k') is ultra low.[5] In the field of all epistemic possibilities, life permitting universes are rare.
Modal explosion
And here begin the problems. Once we do this, P(LPU|ASU&k') is not ultra low, but rather unknown: because the value of P(LPU|ASU&k') now depends on a vast field of possibilities, most of which we have no means to evaluate.
Our best physics allows us to predict what happens if we tweak a given parameter slightly, but does not predict what would happen in a universe with all the parameters changed by millions of orders of magnitude. So although life permitting universes might be rare in our locality of the universe-space, we do not know whether they are rare generally.
It gets worse: we don't just need to evaluate worlds with radically different values – we need to consider possibilities of physics entirely alien to our own. Two examples.
Alien physics 1: There are a million physical parameters. Only in the case where each of these are exactly 1 is the universe life permitting.
Alien physics 2: There are four physical parameters. Any combination of values for these parameters results in a life permitting universe.
Both of these are possible - it is (remotely) possible that this universe really has alien physics 1 or 2 – our best science is possibly wrong. Of course, we can dream up conceivable alien physics ad infinitum. We have no way of estimating, over the space of all possible laws of physics, how likely a life permitting universes will be formed 'by chance'. We therefore have no idea whether it is more likely to have a life permitting universe on Theism than on Atheism. Therefore there is no confirmation, and the fine tuning argument is a failure.
Objections and replies
One may say that alien physics and wild values are actually impossible, and so shouldn't be considered. Yet why believe that? Why must the values necessarily be fairly close to the values of this universe? Why are these particular laws of physics necessary? If we're willing to say that, why not go further and say the values of this universe are necessary?
Another approach is say we should restrict ourselves to only the possibilities we can illuminate: we can 'see' whether a universe with a slightly tweaked constant is life permitting, but not wildly tweaked or alien physiced universes. So we should ignore the latter two sorts of universe and focus on the first sort – which, happily for the fine tuning argument, makes P(LPU|ASU&k') ultra low.
This is very dodgy: it amounts to an excuse to ignore your lack of epistemic access whenever it gets in the way. An analogy to make this clearer.
Specks and oceans: I illuminate a one millimetre square space on an object a few trillion suns in size. The space I have illuminated is black, but with a single fleck of blue. I conclude "blue is extremely rare across the surface of this planet", you object "this planet is vastly larger than our illuminated sample, and we have no idea of the distribution of colours – we should still say we are ignorant about how common blue is on this planet's surface." I reply "Not at all, the rest of this planet is outside our epistemically illuminated range – we should only consider what is within our range when making judgements."
This, I urge, is crazy.[6]
The fact life permitting universes are rare in our epistemic locality tells us nothing about how common they are in the vast space of possible universes that could have been. Therefore the fine tuning data cannot show that life permitting universes are unlikely on Atheism, and more likely on Theism. Therefore the fine tuning argument is a failure.
[1] Actually, I do not think we can be that sure a perfect being wants a world of embodied moral agents. I guestimate P(LPU|T) to be ~ 0.5, with big error bars. This will come into play later.
[2] I will be using this version of the argument from now on. I am confident that the objection I present refutes other variants (such as Craig 2007), with only cosmetic modification. If my opponent thinks there is a fine tuning argument that sidesteps my objection, he is welcome to offer it.
[3] I grant for the sake of argument there is only one universe.
[4] We need to remove from our background information a lot of stuff. This is because if we include our particular universe existing, P(LPU|this universe + anything) = 1. This will also come into play later.
[5] Again, if CON thinks there is a better way of cashing out the possibility claim, he is welcome to offer it.
[6] Strictly, it isn't completely crazy. Our best estimate for the proportion of blueness on the planet is the proportion of blueness in our illuminated millimetre – this is the straight rule. However, as we get less and less confident of how representative our sample is, our confidence in the estimate should get smaller and smaller, especially so if we don't know the probability distribution.
In the case of fine tuning, where the population of possible universes is infinitely bigger than our epistemically illuminated sample, and we have no idea what the distribution of life permittingness is, our maximum likelihood estimate remains at its ultra low value, but our estimate errors are unbounded – the estimate could be any distance from this value. So our probability distribution for our estimate is an effectively uniform distribution from 0 to 1, with an infinitesimal gradient towards the ultra low value. Obviously, if so, the fine tuning argument is still screwed.
I honestly didn't expect this debate to be as deep as you've framed it to be; and I just don't have the time to debate on it. At least not while upholding the standard of a quality round.
I would love to have this debate again at a later date, but as of now I just can't.
That's a shame.
Enjoy life!
Awkward >->.
Uh... Vote Pro.
Move along, nothing to see here...
I'll do my best to post my response by tomorrow, but I honestly didn't expect you to post so much :o
Collins, R. (2009) The teleological argument: an exploration of he fine-tuning of the universe. In Craig W. L., and Morland, J. P. (eds) The Blackwell Companion to Natural theology. Blackwell publishing; Oxford
Craig, W. L. (2007) Theistic Critiques of Atheism. In Martin, M (ed.) The Cambridge Companion to Atheism. Cambridge University Press; Cambridge
Enjoy life,
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MOULTON, Ala. (AP) — An ambulance transporting a patient flipped at a major intersection after it was T-boned by another driver, but officials say no one was seriously hurt in the accident.
Authorities say 34-year-old Misty Stricklin was driving along a busy street on Friday when she rammed the passenger side of a Northstar ambulance. The accident crushed the front of the car and flipped the ambulance onto the driver's side.
Moulton officer Russell Graham said ambulance driver Christopher Watkins and a paramedic were transporting an 18-year-old patient when they were struck. He said Stricklin has not been charged.
The driver and paramedic suffered minor injuries. The patient was listed in good condition at Huntsville Hospital late Saturday.


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Inez Viola Bruce, age 96, of Mena, Arkansas, passed away peacefully, Saturday, November 30, 2013 at her home.
She was born October 27, 1917 in Draper, Jones County, South Dakota to the late Herbert H. Hill and the late Sena H. Hellickson Hill. She was happily married to Robert H. Bruce for 55 years, until his passing. Mrs. Bruce owned and operated Inez Beauty Shop in Mena for 42 years, retiring at the age of 72. She was a member of the First Baptist Church of Mena and enjoyed growing a garden, cooking and helping on the family farm at Rocky. She was a loving mother, grandmother, great-grandmother and a friend to all who knew her.
She is survived by daughters Sandra G. Bruce of Mena, Arkansas, Janet S. Franz of Mena, Arkansas, Joan S. Ford and husband Gayle of Mena, Arkansas; grandchildren Cindy K. Franz of West Fork, Arkansas, Terry W. Ford of Mena, Arkansas, Anginette Johnson of Lake View, Oregon, Curtis J. Ribble of Mena, Arkansas; several great-grandchildren and a host of friends.
She was preceded in death by her husband Robert H. Bruce; her parents, Herbert and Sena Hill; 1 sister; 3 brothers; and 2 grandsons Robert E. Franz and Garry K. Ford.
Funeral services will be Wednesday, December 4, 2013 at 2:00 p.m. at the Beasley-Wood Chapel with Brother Bill Bullington officiating. Interment follows in Pinecrest Memorial Park under the direction of the Beasley-Wood Funeral Home. Visitation will be general.
Online obituary available at http://www.beasleywoodfuneralhome.com.


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Summer house ideas
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Top Ten Tuesday with Top Ten Things I Like/Dislike When It Comes To Romances In Books
13 comments
oh you have some good ones. Sexual tension is so much fun. I like the slow burns too.ReplyDelete
Insta love doesn't always bother me. it depends on the book and how its done. sometimes there is an underlying reason for insta love and it if it seems to flow I am good with it. great list
Yes to slow burn relationships! There are very, very few insta-love relationships I can take. And I agree, love triangles and afterthought romances, for their own sake, don't generally work well. Great list!ReplyDelete
Insta-love is definitely a no no. It happens WAY too much!ReplyDelete
I know you haven't read a lot of NA, but the those books can pile on the cliches. Like every single cliche can happen in 300 pages. Ugh.
Happy reading!
Brittany @ This is the Story of My(Reading) Life
My biggest love story gripe is like everyone else insta-love... so unrealistic. My favorite love story ever is the one that gets used over and over and over in many books but is most famous in Pride and Prejudice the hate/loath/findannoying relationship turning into love of Mr Darcy and Elizabeth Bennett which also is like Hermione and Ron and Anna and Kristoff....ReplyDelete
Slow burn romances are the best! And love it when the good guy gets the girl :)ReplyDelete
Insta-love!! When will it disappear?
Great top ten!
OOooooo I didn't know Coldest Girl of Coldtown had sexual tension, that really makes me want to read it because I haven't read many of those lately :DReplyDelete
I am SO with you on liking the good guy and NOT the bad boy! And of course slow-burn romances are the best! I actually don't hate the love triangle in The Winner's Curse... She isn't being indecisive about the two of them and it also feels a lot more realistic than most. I actually liked Ronan more than Arin, though I understand why she felt the way she did.ReplyDelete
I like how you set this TTT up, Missie! Giving us examples for certain likes/gripes via a book. I agree about insta-love and If I Stay is a good one to have on the list for a depiction of a real relationship. :)ReplyDelete
Nice post!!!! I absolutely loved E+P & Attachments, and for the reasons you picked.ReplyDelete
Yes -- I agree about City of Bones. Ugh, I didn't get Jace's appeal at all! I do like a well-developed bad boy, but often that's just not in this case. Usually, the girl is pining over a jerk who is mean and won't treat her right.
Love this list and your examples!!!! I changed mine up a bit check it out :) http://bookbabble.weebly.com/blog/top-ten-tuesday2ReplyDelete
I agree with the insta love and love triangles, they're really unnecessary most of the time. Great post!ReplyDelete
Benish | Feminist Reflections
Love that P.S I love you gif--nice touch to the post! :) Yes, yes yes to all your likes! I to love when a relationship has the ups and down. It's realistic. I also really love the slow building romances. They always seem to be the ones that are most authentic and stick with me a long time after reading the book. Which of course means I am not a fan of those insta love romances either! Great post! :)ReplyDelete
Ah no, I really liked the romance in The Winner's Curse...though I guess it didn't feel like a love triangle to me, haha. Agree about the insta-love and the bad boys getting the girl. Attachments was so cuute!ReplyDelete
Great list (:
I'd love to hear what you thought of the book or others you think I will like! Please share your thoughts! Thank you for the thought, but I am not participating in awards.


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Tuesday, October 18, 2011
Breast Cancer Awareness Month: Pink Ribbon
What can we do?
First of all — women — we all know that early detection is the best protection. So make sure you check yourself regularly. Next to that, be supportive of friends and relatives who are diagnosed with breast cancer, and their friends and family. Also: donate. There is still a lot to learn about breast cancer and how to cure it. Money is needed for research and awareness, and much needed support. You've probably heard of Pink Ribbon: you can donate from their website here using PayPal. It's easy and 100% safe.
~ Pam
P.S. Take a look at Babyccino's Top Ten, which is of course perfectly pink!
P.P.S. In support of Breast Cancer Awareness Month, we've changed our blog color to pink!
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08/19/12 Pastor's Message
From Fr. Dennis' Desk
Update on Side Ramp
Many parishioners have asked questions about the side ramp/porch on the South Street side of the church. One person actually said to me (no kidding): "I want my door back!"
Late last year, it was noticed that the porch has begun deteriorating, crumbling, and becoming detached from the church. This was during a routine maintenance audit conducted by the Buildings and Grounds committee of all the property owned by St. John of the Cross. We engaged two structural engineers, both of whom recommended that it be closed off to foot traffic until it could be repaired, indeed, replaced.
Winter was an especially treacherous time, and a prime safety hazard. One of the structural engineers prepared detailed specifications ("specs") about its demolition and replacement. This also involved some excavation in the front of the church to assess the source of water seeping into the stairs to the basement (under the choir loft). These specs took longer, and it will involve digging a trench in front of the church.
The specs are now all completed, and the work has been put out to bid. The bids are due soon. We are planning to review them, with the members of the Buildings and Grounds committee, and I will write to Archbishop Mansell for permission to complete the work. The Finance Committee approved the parameters at their last meeting. Once the bids are opened and the work is approved, the project should begin.
I ask sincerely for your patience as the work is done. More details will be forthcoming as we proceed.
I am grateful to the members of the Buildings and Grounds Committee: Vinny Anelli, John Deriu, Joe DeSantis, Harry Bachelder, Ron Vitarelli.
Yours in Christ,
Fr. Dennis J. Vincenzo


text:
PermalinkI have always wanted to find out the answer to this question.
Raw Message
If you have a pyramid and if you could draw the pyramid with a force
coming from above in a straight line down to the pyramid and being
refracted at the same angle of the pyramid would not the lines of
force meet at a common point at the exact center of the pyramid.
If anybody could draw a example and prove me wrong or right I
would appreciate it.


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Day Dream - 36" x 48"
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Dimensions: Width: 36'' Height: 2'' Depth: 48''
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$429.00 Day Dream - 36" x 48"
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$539.00 Air Avondale - 48" x 36"
Product OverviewLose yourself in this charming work of art. Hand-painted on wood panels, the neutral colours form a lone canoe on a grey lake. Evoking the feeling of being engrossed in a day dream, this painting is a whimsical addition to any room in your home.
- Hand-painted on wood panels.
- Measures 36" wide by 48" tall.