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DAMASCUS, Syria (AP) — As cannons thundered and mortar shells exploded nearby, the young Syrian woman in a slinky dark dress and stylish bob performed a song by pop star
Performing with a guitarist at a cafe in the heart of the historic Old Town of Damascus, Reem Khunsar lost herself in the lyrics. About a failed love, they also struck a chord closer to home: "Who would have known how bittersweet this would taste?"
While most people in the Syrian capital lock themselves fearfully in their homes at night, young Syrians dressed in tight jeans and designer clothes go wild at the handful of clubs still operating in a city once renowned for its nightlife.
"The war can't stop life," declared Oday Al-Khayyatt, as he took in the music scene at the Roma cafe. "You hear bad news in Syria, dangers, war and death. But in our reality, we are still alive."
Such revelries show the human side of a conflict that has killed more than 120,000 people as the Syrian civil war grinds into its third year.
The Damascus nightclub scene often gets mentioned by the Syrian state news agency SANA on its English-language Twitter feed, drawing ridicule from observers outside the country. But people still brave the dangers to come to the cafes to take their mind off what is happening.
At the Roma Cafe, couples smiled as they danced on the black-and-white checkered dance floor. Some smoked flavored tobacco from water pipes. Women, some in big hair and low-cut dresses and others wearing headscarves, chatted as they mingled by the bar. There were no liquor bottles in sight, though some patrons were able to buy alcohol.
"There is a big difference between now and before the war," conceded Titar Sahinian, another young singer. "People are afraid to come out of their houses ... but they still come.
"Of course, it's all devastating. We can't pretend that nothing is happening. But at the same time we can't stop living," she said.
As she spoke, the sound of government cannons pounding rebels just a few miles away echoed down the stone walls of the ancient quarter. Nearby, so-called Popular Committees, local hard-line militiamen brandishing Kalashnikov assault rifles, threw up impromptu roadblocks, searching cars for bombs.
They also kept a close watch on the young revelers, many of whom said they believe the militiamen, die-hard supporters of President
"We were afraid of being attacked" by the popular committee militiamen, Roma cafe owner Rami Dahbour said. "We were threatened once. But nothing happened, and we are no longer affected by the threat."
Several mortars launched from rebel positions on the outskirts of Damascus have rained down near the cafe. Still, the singing goes on.
Khunsar said she feels like she is giving hope to the people who come to listen.
"Here in Syria we have not given up," she said. "We hope that everything will go back to where it was before."
As she threw herself into the Metallica classic, "Nothing Else Matters," those in the cafe joined in: "Life is ours and we live it our way, I don't just say, and nothing else matters."
Associated Press writers Darko Bandic and Dusan Vranic contributed to this report.


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NEW YORK (Reuters Health) - Reminding doctors and patients that bronchitis is almost always caused by a virus and won't get better with antibiotics may help cut down on unneeded prescriptions, a new study suggests.
That's important because overuse of antibiotics can lead to drug resistance - which makes future infections more dangerous and harder to treat when the drugs are actually needed.
"The public needs to understand that antibiotics are not harmless," said Dr. Ralph Gonzales, the lead author on the new study from the University of California, San Francisco.
For bronchitis, he added, "We can reassure them strongly that (antibiotics) are not going to help at all and they'll cause harm." Along with contributing to resistance, antibiotics may also come with side effects, such as upset stomach and diarrhea.
At a large Pennsylvania health system where Gonzales and his colleagues conducted their study, about three-quarters of people with bronchitis were receiving prescriptions for antibiotics.
The researchers tested two different strategies to cut that number.
One-third of practices put up posters about when antibiotics are necessary and when they are not in each exam room and handed out educational brochures to patients. At another one-third of practices, nurses were electronically alerted to give patients a brochure when "cough" was one of the main symptoms entered in their chart.
The rest of the practices, used as comparison, didn't add any patient or provider education.
Gonzales and his team looked at close to 10,000 pre-experiment patient visits and just over 6,000 visits after the posters, brochures and alerts were put in place. All of the visits happened over the winter months.
The number of people with bronchitis getting an antibiotic stayed constant or inched up at practices that made no changes. However, it fell from 80 percent to 68 percent with the printed posters and brochures and from 74 percent to 61 percent with electronic reminders, the researchers reported Monday in JAMA Internal Medicine.
Those rates are still higher than researchers would like. But they show progress, Gonzales told Reuters Health.
"For practices that want to reduce their antibiotic prescribing for bronchitis, putting (posters) up in the exam room during cough and cold season would be a good idea," he said. (The posters can be found on the Centers for Disease Control and Prevention's website at 1.usa.gov/avrB7Q.)
Patients, he said, should have realistic expectations about how long their cough is going to last - on average, 10 to 14 days.
Appropriate treatments for bronchitis include cough suppressants and humidifiers. Sometimes there is another underlying problem - such as a sinus infection or reflux disease - that could be contributing to the cough, Gonzales added.
But as long as people don't have a high fever or trouble breathing, they can be confident they're not sick with something more serious or bacteria-related like pneumonia - and antibiotics are not needed, he concluded.
"Cough shouldn't be sufficient for someone to get an antibiotic," agreed Betsy Foxman, an epidemiologist who has studied antibiotic resistance at the University of Michigan in Ann Arbor but wasn't involved in the new research.
"You'd hate to be treating someone with a simple cough with an antibiotic that gives them a life-threatening disease, and that can happen," although it's rare, Foxman told Reuters Health.
She said patients can play a role in limiting drug overuse and resistance - because sometimes, doctors feel pressured to prescribe an antibiotic or are wary of taking a lot of time to explain why it's not needed.
"If the patients aren't demanding antibiotics, and they're questioning why they get one, then it's a lot easier not to prescribe one," Foxman said.
SOURCE: bit.ly/MbBLbb JAMA Internal Medicine, online January 14, 2013.


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Big Huey's Diner
Located right next to the iconic South Melbourne Market, Big Huey's Diner has been pumping out burgers since opening in January 2014. The diner is the name sake of celebrity chef and fellow burger lover Iain Hewitson. Here at Burger Adventure we have been big advocates of Huey's burgers dating back to his days at Barney Allen's. The venue has a proper diner feel with booths, record duke box and Americana memorabilia. There's a clear view of the magic occurring in the kitchen so you'll be salivating in no time as the smells of beef and caramelised onion waft over to your table. We ordered The Big Huey: it came with two beef patties, Dijon mustard, housemade beetroot relish, crisp lettuce, sautéed red onion, grilled cheese, bacon and Judith's tomato chutney all on Turkish bread roll.


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Solid structure yet fluid in terms of functionality, a table is one piece in a living room furniture that plays many roles. When hosting parties, it becomes the base for overflowing beer mugs or chilled soda cans. On silent nights, it acts as an epicentre for spooky activities like spirit calling or related. Acts like a second dining table when you run out of seating options. This miracle piece of furniture is designed to offer a wide surface area for resting your coffee mugs or placing favourite reads. At Tezerac, you will come across a wide range of tables that are designed by some of the renowned designers. Structured using quality material and finished in exquisite fashion, the tables in our range will be your stylish companion for a very long time. Choose from our wide range of coffee tables, side tables, nested tables, and console tables.
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Unemployment Benefits at Risk, and More
What's News: The end of unemployment benefits are quickly approaching as Congress scrambles to renew the program Saturday, a stellar end of the year for Twitter, and President Barack Obama visits Hawaii. Paul Vigna reports. Photo: AP
This transcript has been automatically generated and may not be 100% accurate.
... was the third set to expire for the entity or it could affect millions of Americans ... this is what's news I'm WS J live I'm Paul vignette ... fell one point three million Americans will lose their unemployment insurance ... this Saturday in Congress doesn't extend the benefits ... Senate Democrats pledge to renew the program when Congress reconvened early next month showed the stalemate carry over past the deadline ... if extended the program would transfer about twenty five billion dollars from the federal government to those seeking benefits in twenty fourteen ... Twitter's flying high into the end of the year ... after a four point two percent spike shares are rallying again ... bullish momentum keeps building behind the social media site ... the stock has surged seventy five percent this month ... and is up under an eighty percent from the twenty six dollars IPO price ... Twitter is dominating with more than four times the average return ... than any other company that went public in twenty thirteen ... a market cap is reached thirty two point one billion ... rising number of adults who survived childhood cancer ... or face a new problem ... premature aging ... the studies are finding significant links between the elements common to older generations ... and adults who were afflicted with a life threatening disease ... at an early age ... a study from March of this year ... notes than many Fed cuts under forty suffered memory deficits typically found in people older than sixty nine ... and finally President Obama pays tribute to U S troops on Christmas day while on holiday in Hawaii ... president firstly drove to Marine Corps base Hawaii where nearly six hundred troops and their families gathered the holidays ... as has become tradition president thank the men and women of the armed forces for their service ... to our country ... the Obama czar expected to remain alight ... through January ... for more and to follow the stories stay tuned to WS J live or tech and deadliest J dot com ...


text:
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Il testamento di Steve Jobs
Iscritto il:
2003/1/11 18:31
Messaggi: 2650
Livello : 41; EXP : 11
Steve Jobs se n'è andato. E molti si sono scapicollati a rendergli omaggio. Noi no, perché, pur riconoscendone la genialità (molte delle sue creazioni sono davvero notevoli), ci è sembrato un po' ipocrita farlo.
E' stato un imprenditore di grande successo, un venditore americano e si sa, gli americani hanno un debole per i venditori. Sono un mito per loro. Forse questa è una differenza culturale non da poco, una distanza che non ci permette di fare di Steve Jobs il nostro personale mito. E' entrato nella storia, questo sì, non so se nella leggenda. Vedremo.
Credo però che valga la pena leggere il discorso che fece a Stanford nel 2005. Da ogni cosa si può imparare. E anche se forse un po' retorico, ci sono spunti molto interessanti.
Il testo è inglese, se avrete pazienza lo tradurrò con calma, magari un pezzo alla volta. Se volete aiutarmi, siete i benvenuti Altrimenti pazienza, tanto c'è Google Translate, no?
"I am honored to be with you today at your commencement from one of the finest universities in the world. I never graduated from college. Truth be told, this is the closest I've ever gotten to a college graduation. Today I want to tell you three stories from my life. That's it. No big deal. Just three stories.
The first story is about connecting the dots.
I dropped out of Reed College after the first 6 months, but then stayed around as a drop-in for another 18 months or so before I really quit. So why did I drop out?
It started before I was born. My biological mother was a young, unwed college graduate student, and she decided to put me up for adoption. She felt very strongly that I should be adopted by college graduates, so everything was all set for me to be adopted at birth by a lawyer and his wife. Except that when I popped out they decided at the last minute that they really wanted a girl. So my parents, who were on a waiting list, got a call in the middle of the night asking: "We have an unexpected baby boy; do you want him?" They said: "Of course." My biological mother later found out that my mother had never graduated from college and that my father had never graduated from high school. She refused to sign the final adoption papers. She only relented a few months later when my parents promised that I would someday go to college.
And 17 years later I did go to college. But I naively chose a college that was almost as expensive as Stanford, and all of my working-class parents' savings were being spent on my college tuition. After six months, I couldn't see the value in it. I had no idea what I wanted to do with my life and no idea how college was going to help me figure it out. And here I was spending all of the money my parents had saved their entire life. So I decided to drop out and trust that it would all work out OK. It was pretty scary at the time, but looking back it was one of the best decisions I ever made. The minute I dropped out I could stop taking the required classes that didn't interest me, and begin dropping in on the ones that looked interesting.
It wasn't all romantic. I didn't have a dorm room, so I slept on the floor in friends' rooms, I returned coke bottles for the 5¢ deposits to buy food with, and I would walk the 7 miles across town every Sunday night to get one good meal a week at the Hare Krishna temple. I loved it. And much of what I stumbled into by following my curiosity and intuition turned out to be priceless later on. Let me give you one example:
Reed College at that time offered perhaps the best calligraphy instruction in the country. Throughout the campus every poster, every label on every drawer, was beautifully hand calligraphed. Because I had dropped out and didn't have to take the normal classes, I decided to take a calligraphy class to learn how to do this. I learned about serif and san serif typefaces, about varying the amount of space between different letter combinations, about what makes great typography great. It was beautiful, historical, artistically subtle in a way that science can't capture, and I found it fascinating.
None of this had even a hope of any practical application in my life. But ten years later, when we were designing the first Macintosh computer, it all came back to me. And we designed it all into the Mac. It was the first computer with beautiful typography. If I had never dropped in on that single course in college, the Mac would have never had multiple typefaces or proportionally spaced fonts. And since Windows just copied the Mac, it's likely that no personal computer would have them. If I had never dropped out, I would have never dropped in on this calligraphy class, and personal computers might not have the wonderful typography that they do. Of course it was impossible to connect the dots looking forward when I was in college. But it was very, very clear looking backwards ten years later.
Again, you can't connect the dots looking forward; you can only connect them looking backwards. So you have to trust that the dots will somehow connect in your future. You have to trust in something your gut, destiny, life, karma, whatever. This approach has never let me down, and it has made all the difference in my life.
My second story is about love and loss.
I was lucky I found what I loved to do early in life. Woz and I started Apple in my parents garage when I was 20. We worked hard, and in 10 years Apple had grown from just the two of us in a garage into a $2 billion company with over 4000 employees. We had just released our finest creation the Macintosh a year earlier, and I had just turned 30. And then I got fired. How can you get fired from a company you started? Well, as Apple grew we hired someone who I thought was very talented to run the company with me, and for the first year or so things went well. But then our visions of the future began to diverge and eventually we had a falling out. When we did, our Board of Directors sided with him. So at 30 I was out. And very publicly out. What had been the focus of my entire adult life was gone, and it was devastating.
I really didn't know what to do for a few months. I felt that I had let the previous generation of entrepreneurs down - that I had dropped the baton as it was being passed to me. I met with David Packard and Bob Noyce and tried to apologize for screwing up so badly. I was a very public failure, and I even thought about running away from the valley. But something slowly began to dawn on me I still loved what I did. The turn of events at Apple had not changed that one bit. I had been rejected, but I was still in love. And so I decided to start over.
I didn't see it then, but it turned out that getting fired from Apple was the best thing that could have ever happened to me. The heaviness of being successful was replaced by the lightness of being a beginner again, less sure about everything. It freed me to enter one of the most creative periods of my life.
During the next five years, I started a company named NeXT, another company named Pixar, and fell in love with an amazing woman who would become my wife. Pixar went on to create the worlds first computer animated feature film, Toy Story, and is now the most successful animation studio in the world. In a remarkable turn of events, Apple bought NeXT, I returned to Apple, and the technology we developed at NeXT is at the heart of Apple's current renaissance. And Laurene and I have a wonderful family together.
I'm pretty sure none of this would have happened if I hadn't been fired from Apple. It was awful tasting medicine, but I guess the patient needed it. Sometimes life hits you in the head with a brick. Don't lose faith. I'm convinced that the only thing that kept me going was that I loved what I did. You've got to find what you love. And that is as true for your work as it is for your lovers. Your work is going to fill a large part of your life, and the only way to be truly satisfied is to do what you believe is great work. And the only way to do great work is to love what you do. If you haven't found it yet, keep looking. Don't settle. As with all matters of the heart, you'll know when you find it. And, like any great relationship, it just gets better and better as the years roll on. So keep looking until you find it. Don't settle.
My third story is about death.
When I was 17, I read a quote that went something like: "If you live each day as if it was your last, someday you'll most certainly be right." It made an impression on me, and since then, for the past 33 years, I have looked in the mirror every morning and asked myself: "If today were the last day of my life, would I want to do what I am about to do today?" And whenever the answer has been "No" for too many days in a row, I know I need to change something.
Remembering that I'll be dead soon is the most important tool I've ever encountered to help me make the big choices in life. Because almost everything all external expectations, all pride, all fear of embarrassment or failure - these things just fall away in the face of death, leaving only what is truly important. Remembering that you are going to die is the best way I know to avoid the trap of thinking you have something to lose. You are already naked. There is no reason not to follow your heart.
About a year ago I was diagnosed with cancer. I had a scan at 7:30 in the morning, and it clearly showed a tumor on my pancreas. I didn't even know what a pancreas was. The doctors told me this was almost certainly a type of cancer that is incurable, and that I should expect to live no longer than three to six months. My doctor advised me to go home and get my affairs in order, which is doctor's code for prepare to die. It means to try to tell your kids everything you thought you'd have the next 10 years to tell them in just a few months. It means to make sure everything is buttoned up so that it will be as easy as possible for your family. It means to say your goodbyes.
I lived with that diagnosis all day. Later that evening I had a biopsy, where they stuck an endoscope down my throat, through my stomach and into my intestines, put a needle into my pancreas and got a few cells from the tumor. I was sedated, but my wife, who was there, told me that when they viewed the cells under a microscope the doctors started crying because it turned out to be a very rare form of pancreatic cancer that is curable with surgery. I had the surgery and I'm fine now.
This was the closest I've been to facing death, and I hope it's the closest I get for a few more decades. Having lived through it, I can now say this to you with a bit more certainty than when death was a useful but purely intellectual concept:
No one wants to die. Even people who want to go to heaven don't want to die to get there. And yet death is the destination we all share. No one has ever escaped it. And that is as it should be, because Death is very likely the single best invention of Life. It is Life's change agent. It clears out the old to make way for the new. Right now the new is you, but someday not too long from now, you will gradually become the old and be cleared away. Sorry to be so dramatic, but it is quite true.
Your time is limited, so don't waste it living someone else's life. Don't be trapped by dogma which is living with the results of other people's thinking. Don't let the noise of others' opinions drown out your own inner voice. And most important, have the courage to follow your heart and intuition. They somehow already know what you truly want to become. Everything else is secondary.
When I was young, there was an amazing publication called The Whole Earth Catalog, which was one of the bibles of my generation. It was created by a fellow named Stewart Brand not far from here in Menlo Park, and he brought it to life with his poetic touch. This was in the late 1960's, before personal computers and desktop publishing, so it was all made with typewriters, scissors, and polaroid cameras. It was sort of like Google in paperback form, 35 years before Google came along: it was idealistic, and overflowing with neat tools and great notions.
Stewart and his team put out several issues of The Whole Earth Catalog, and then when it had run its course, they put out a final issue. It was the mid-1970s, and I was your age. On the back cover of their final issue was a photograph of an early morning country road, the kind you might find yourself hitchhiking on if you were so adventurous. Beneath it were the words: "Stay Hungry. Stay Foolish." It was their farewell message as they signed off. Stay Hungry. Stay Foolish. And I have always wished that for myself. And now, as you graduate to begin anew, I wish that for you.
Stay Hungry. Stay Foolish.
Thank you all very much."
Inviato: 2011/10/8 11:27
Ognun vede quel che tu pari, pochi sentono quel che tu sei. Niccolò Machiavelli
Re: Il testamento di Steve Jobs
Just can't stay away
Iscritto il:
2007/7/14 15:58
Utenti Registrati
Messaggi: 249
Livello : 14; EXP : 75
belle parole ma....
dette da uno che si è ARRICCHITO NOTEVOLMENTE vendendo dispositivi CHIUSI
Steve Jobs non era un programmatore
ma un uomo di COMMERCIO
non ha INVENTATO IL PC, ma solo acquisito la licenza di un sistema a finestre inventato da altri, tecnicamente, non ha mai INVENTATO nulla, ma solo messo SOLDI per farne ALTRI
i veri MAESTRI sono altri
Jobs, probabilmente, avrebbe fatto pagare phbb, smf o altri software free per la creazione di forum
mi è stato segnalato che questo discorso sarebbe largamente ispirato (se non copiato) da Keruac. è Vero?
Inviato: 2011/10/8 11:51
Re: Il testamento di Steve Jobs
Not too shy to talk
Iscritto il:
2011/1/24 20:14
Utenti Registrati
Messaggi: 79
Livello : 7; EXP : 83
Ma come è possibile che si vada sbavando dietro dispositivi chiusi, pieni di limitazioni, senza possibilità di fare una normalissima videochiamata, che se non usi jailbreak non puoi farci niente... eppure sono amati, desiderati, concupiti...
Un marketing eccezionale quello Apple.
Jobs non era un genio secondo me. Non ha lasciato niente di così fondamentale che può far progredire l'umanità. Le innovazioni tecnologiche della Apple sono oggetti del desiderio, ma davvero tanto rivoluzionari? Non so, forse non ho le competenze per capire. A me paiono oggetti belli, che fanno sentire cool chi li possiede. Ma poi?
Inviato: 2011/10/11 21:37
Re: Il testamento di Steve Jobs
Just popping in
Iscritto il:
2011/11/13 16:12
Da veneto
Utenti Registrati
Messaggi: 18
Livello : 2; EXP : 97
Se una mela non è più una semplice mela allora vorrà pur dire qualcosa! :P
Inviato: 2011/11/13 18:06
Re: Il testamento di Steve Jobs
Just popping in
Iscritto il:
2012/5/10 9:12
Utenti Registrati
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Dal mio punto di vista Jobs è stao un abilissimo uomo di marketing e questo gli và riconosciuto. Apple è divenatata più di una marca, una tribù con adepti devoti, spesso pronti a tutto per difenderla.
Ma da questo a renderlo una leggenda ce ne passa.
Inviato: 2012/5/10 9:36
Re: Il testamento di Steve Jobs
Just popping in
Iscritto il:
2013/12/3 1:18
Utenti Registrati
Messaggi: 10
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Concordo con Armandillo che era un commerciante, ma era anche un visionario.
Inviato: 2013/12/3 12:37
Puoi vedere le discussioni.
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text:
Why not the DELTA?
English Teacher
Hi everone!
I did my CELTA two years ago in Turkey, and now I'm thinking of having another TEFL course in Britain. I'm pIanning to go there in the summer for 2 months or so. I have done some online research, but I am not sure which course to attend. Most of the teacher training courses for non-native teachers seem to be fun (with lots of social activities, trips and etc.) but I don't want to attend one of these courses. I believe I want something more "serious" (not as serious as DELTA:)) I want to improve my pronunciation and and study some advanced English grammar. Any suggestions?
Thank you!
Why not the DELTA?
I'm studying for an MA degree on translation studies this semester, so I really don't have enough time for the DELTA right now. Also, I've just read somewhere that you better have a CELTA Pass A to apply for the DELTA (especially for the non-native speakers), I have a Pass B, so I am not sure if I am qualified? Maybe I need some pre-DELTA course?
I haven't heard that, though some places may say it. The Cambridge ESOL page on the DELTA just says an initial ELT qualification- they don't even specify the CELTA.
It's hard to answer your question because most courses for teachers beyond CELTA won't necessarily help much with your language. How about doing something different, like a course in ELT management or something?
"Delta can be taken at any stage in a teacher's career. It is suitable for people already teaching English in a variety of contexts, e.g. adult, primary, or secondary teaching contexts, and is intended for an international audience of non-first language or first-language teachers of English.
Candidates taking Delta will normally have an initial ELT qualification and will have had at least one year's ELT experience but these are not requirements. The Delta modules may also be taken by:
- teachers who wish to refresh their teaching knowledge
- teachers who wish to review and update their practice
- teachers who wish to extend their expertise in a specialist area."
The Trinty DipTESOL is similar.


text:
Credit score in the United States
Credit score in the United States is a number representing the creditworthiness of a person, the likelihood that person will pay his or her debts.
Lenders, such as banks and credit card companies, use credit scores to evaluate the potential risk posed by lending money to consumers. Lenders allege that widespread use of credit scores has made credit more widely available and less expensive for many consumers.[1][2]
- 1 Credit scoring models
- 2 Free annual credit report
- 3 Non-traditional uses of credit scores
- 4 Criticism
- 5 See also
- 6 References
- 7 External links
Credit scoring models[edit]
FICO score[edit]
The FICO score was first introduced in 1989 by FICO, then called Fair, Isaac, and Company.[3] The FICO model is used by the vast majority of banks and credit grantors, and is based on consumer credit files of the three national credit bureaus: Experian, Equifax, and TransUnion. Because a consumer's credit file may contain different information at each of the bureaus, FICO scores can vary depending on which bureau provides the information to FICO to generate the score.
Credit scores are designed to measure the risk of default by taking into account various factors in a person's financial history. Although the exact formulas for calculating credit scores are secret, FICO has disclosed the following components:[4][5]
- 35%: payment history: This is best described as the presence or lack of derogatory information. Bankruptcy, liens, judgments, settlements, charge offs, repossessions, foreclosures, and late payments can cause a FICO score to drop.
- 30%: debt burden: This category considers a number of debt specific measurements. According to FICO there are six different metrics in the debt category including the debt to limit ratio, number of accounts with balances, amount owed across different types of accounts, and the amount paid down on installment loans.[6]
- 15%: length of credit history aka Time in File: As a credit history ages it can have a positive impact on its FICO score. There are two metrics in this category: the average age of the accounts on a report and the age of the oldest account.
- 10%: types of credit used (installment, revolving, consumer finance, mortgage): Consumers can benefit by having a history of managing different types of credit.[7]
- 10%: recent searches for credit: hard credit inquiries or "hard pulls," which occur when consumers apply for a credit card or loan (revolving or otherwise), can hurt scores, especially if done in great numbers. Individuals who are "rate shopping" for a mortgage, auto loan, or student loan over a short period (two weeks or 45 days, depending on the generation of FICO score used) will likely not experience a meaningful decrease in their scores as a result of these types of inquiries, as the FICO scoring model considers all of those types of hard inquiries that occur within 14 or 45 days of each other as only one. Further, mortgage, auto, and student loan inquiries do not count at all in a FICO score if they are less than 30 days old. While all credit inquiries are recorded and displayed on personal credit reports for two years, they have no effect after the first year because FICO's scoring system ignores them after 12 months.[citation needed] Credit inquiries that were made by the consumer (such as pulling a credit report for personal use), by an employer (for employee verification), or by companies initiating pre-screened offers of credit or insurance do not have any impact on a credit score: these are called "soft inquiries" or "soft pulls," and do not appear on a credit report used by lenders, only on personal reports. Soft inquires are not considered by credit scoring systems.[8]
These percentages are based on the importance of the five categories for the general population. For particular groups — for example, people who have not been using credit long — the relative importance of these categories may be different[4].
The makeup factors are limited to the individual's past (and continuing) behavior on credit. Contrary to common misconception,[9] other financial factors such as age, employment status, asset, income, etc. are not accounted. It, however, does not prevent lenders from asking and accounting these factors for particular lending considerations.
Getting a higher credit limit can help a credit score. The higher the credit limit on the credit card, the lower the utilization ratio average for all of a borrower's credit card accounts. The utilization ratio is the amount owed divided by the amount extended by the creditor and the lower it is the better a FICO rating, in general. So if a person has one credit card with a used balance of $500 and a limit of $1,000 as well as another with a used balance of $700 and $2,000 limit, the average ratio is 40 percent ($1,200 total used divided by $3,000 total limits). If the first credit card company raises the limit to $2,000, the ratio lowers to 30 percent, which could boost the FICO rating.
There are other special factors which can weigh on the FICO score.
- Any money owed because of a court judgment, tax lien, etc., carries an additional negative penalty, especially when recent.
- Having one or more newly opened consumer finance credit accounts may also be a negative.[10]
There are several types of FICO credit score: classic or generic, industry-specific scores (bankcard score, auto score, mortgage score, personal finance score, and installment loan score), XD score, collection score, and NextGen score. The classic or generic FICO credit score (named FICO credit score) is between 300 and 850, and 37% of people had between 750 and 850 in 2013, and 56.8% had between 700 and 850 in 2017.[11] According to FICO, the median FICO credit score in 2006 was 723 and 711 in 2011.[12] The FICO bankcard score and FICO auto score are between 250 and 900. The FICO mortgage score and FICO score XD 2 are between 300 and 850. Higher scores indicate lower credit risk.[13]The FICO credit score lower than 620 is bad, 620-649 is poor, 650-699 is fair, 700-749 is good, and 750 and over is excellent.
Each individual actually has over 60 credit scores for the FICO scoring model because each of three national credit bureaus, Equifax, Experian and TransUnion, has its own database.[citation needed] Data about an individual consumer can vary from bureau to bureau. FICO scores have different names at each of the different credit reporting agencies: Equifax (BEACON), TransUnion (FICO Risk Score, Classic) and Experian (Experian/FICO Risk Model). There are four active generations of FICO credit scores: FICO 98 (1998), FICO 04 (2004), FICO 8 (2008), and FICO 9 (2014).[citation needed] The FICO 95 credit score released in 1995 is no longer in use. The FICO Score XD uses alternative data and was released in 2016. Consumers can buy their FICO Score 8 for Equifax, TransUnion, and Experian from the FICO website (myFICO), and they will get some free FICO scores in that moment: FICO Bankcard Score 8, FICO Auto Score 8, FICO Score 9, FICO Auto Score 9, FICO Bankcard Score 9, and other FICO scores (1998 and 2004 versions). Consumers also can buy their FICO Score 5 (classic version of 2004) for Equifax in the website of this credit bureau, and their FICO Score 8 for Experian in its website. Other types of FICO scores cannot be obtained by individuals, only by lenders.[citation needed] The consumers with some delinquent account have some FICO collection score (cycle 1, cycle 2 and cycle 3 scores). Some credit cards offer a free FICO score (classic or bankcard) several times per year to their cardholders.
NextGen Risk Score[edit]
The NextGen Score is a scoring model designed by the FICO company for assessing consumer credit risk. This score was introduced in 2001, and in 2003 the second generation of NextGen was released.[14] In 2004, FICO research showed a 4.4% increase in the number of accounts above cutoff while simultaneously showing a decrease in the number of bad, charge-off and Bankrupt accounts when compared to FICO traditional.[15] FICO NextGen score is between 150 and 950.
Each of the major credit agencies markets this score generated with their data differently:
- Experian: FICO Advanced Risk Score
- Equifax: Pinnacle
- TransUnion: FICO Risk Score NextGen ( formerly Precision )
Prior to the introduction of NextGen, their FICO scores were marketed under different names:
- Experian: FICO Risk Model
- Equifax: BEACON
- TransUnion: FICO Risk Score, Classic (formerly EMPIRICA)
FICO SBSS[edit]
The FICO Small Business Scoring Service (SBSS) score is used to evaluate small business credit applicants.[16] This score can evaluate the personal credit report of a business owner along with the business credit report of the business itself. Financial information of the business may be evaluated as well. The score range for the FICO SBSS score is 0-300. A higher score indicates less risk. Applications for SBA 7(a) loans for $350,000 or less will be prescreened using this score. A minimum score of 140 is needed to pass this prescreen, though most lenders require scores of 160 or more.[citation needed]
In 2006, to try to win business from FICO, the three major credit-reporting agencies introduced VantageScore, which differs from FICO in several ways.[citation needed] According to court documents filed in the FICO v. VantageScore federal lawsuit the VantageScore market share was less than 6% in 2006. The VantageScore score methodology initially produced a score range from 501 to 990 (VantageScore 1.0 and 2.0), but VantageScore 3.0 adopted the score range of 300–850 in 2013.[17] The VantageScore 4.0 was released in mid-2017 and also uses a range of 300-850. Consumers can get free VantageScores from free credit report websites, and from some credit cards issued by Capital One, U.S. Bank, Chase Bank, TD Bank, N.A., Synchrony Bank, and USAA Bank.
CE Score[edit]
CE Score is published by CE Analytics and licensed to sites such as Community Empower and iQualifier.com. This score is distributed to 6,500 lenders through the Credit Plus network but is free to consumers. It has a range of 350 to 850.[18]
Educational credit scores[edit]
A number of scores have been developed to help consumers understand and improve their credit score. Most were introduced before FICO began sharing details of their model and encouraging lenders to share scores with consumers. While these scores can help consumers monitor and improve their score, these scores do not replicate the FICO score and may be substantially less accurate if they use less complete data. They also assign different score ranges and rankings to consumers, which has created confusion among consumers who expect to have a single score number. Discussions on the myFICO forum and elsewhere have referred to non-FICO scores as FAKO scores.[citation needed]
Experian has the Plus Score between 330 and 830, and Experian's National Equivalence Score ranges from 360 to 840. Equifax has the Equifax Credit Score of between 280 and 850. TransUnion New Account Score 2.0 (formerly TransRisk score) is between 300 and 850. CreditXpert offers a simulation score to estimate the impact various actions on a score range of 350 to 850.
Other credit scores[edit]
Lenders may choose to use non-FICO credit scores to gain additional insight on consumers, especially those with limited traditional credit history who might be difficult to score. These scores may be added to the FICO score if they provide unique insights or used instead of the FICO score if they provide similar predictiveness. Most of these scores are based significantly on data not available through the national credit bureaus (alternative data), such as rental, utility, and telecom payment data or public record information such as property deeds and mortgages, liens, personal property titles, tax records, and licensing data.
The Credit Optics Score by SageStream blends traditional and alternative credit data with machine learning modeling techniques and ranges from 1 to 999. LexisNexis RiskView score, based on wide-ranging public records, ranges from 501 to 900. CoreLogic Credco reports on property related public records and its Anthem Credit Score ranges from 325 to 850. PRBC allows consumers to self-enroll and report their own non-debt payment history. The PRBC alternative credit score range is 100 to 850. There are also scores like ChexSystems designed for financial account verification services ranging from 100 to 899. The L2C (Link2Credit) score by L2C, Inc. ranges from 300 to 850. Scorelogix LLC offers the JSS Credit Score, which assesses credit risk based on job history, income, and the impact of economy.
Free annual credit report[edit]
As a result of the FACT Act (Fair and Accurate Credit Transactions Act), each legal U.S. resident is entitled to a free copy of his or her credit report from each credit reporting agency once every twelve months.[19] The law requires all three agencies, Equifax, Experian, and Transunion, to provide reports. These credit reports do not contain credit scores from any of the three agencies. The three credit bureaus run Annualcreditreport.com, where users can get their free credit reports. Non-FICO credit scores are available as an add-on feature of the report for a fee. This fee is usually $7.95, as the FTC regulates this charge through the Fair Credit Reporting Act.[20]
Non-traditional uses of credit scores[edit]
Credit scores are often used in determining prices for auto and homeowner's insurance. Starting in the 1990s, the national credit reporting agencies that generate credit scores have also been generating more specialized insurance scores, which insurance companies then use to rate the insurance risk of potential customers.[21][22] Studies indicate that the majority of those who are insured pay less in insurance through the use of scores.[23][24] These studies point out that people with higher scores have fewer claims.
In 2009, TransUnion representatives testified before the Connecticut legislature about their practice of marketing credit score reports to employers for use in the hiring process. Legislators in at least twelve states introduced bills, and three states have passed laws, to limit the use of credit check during the hiring process.[25]
Credit scores are widely used because they are inexpensive and largely reliable, but they do have their failings. Credit scores are used as a judgment to allow or deny consumers the opportunity to take out loans, buy houses and cars and open credit cards. This practice of credit scoring has been seen as a discriminatory practice. Credit companies measure credit objectively, by looking at pertinent info like the number of accounts held, length of credit, ability to pay borrowed money back, punctuality of payment. They do not explicitly consider race, gender, or class. However, some see said measures as ways to create inequity and reward consumers who belong to the higher class. In the 2009 National Financial Capability Study , 56% of the people surveyed with incomes above $75,000 had obtained a credit report, while 18% of those with incomes below $25,000 had not. This gap has been used as a key argument for the marginalization of the less privileged from the world of mainstream credit. While credit scores have become necessary to maintain credit and purchasing power, this system has been criticized as exploiting consumers and purchasers while expanding the boundary and differentiates those with poor credit scores and those with good credit scores.[26]
Easily gamed[edit]
Because a significant portion of the FICO score is determined by the ratio of credit used to credit available on credit card accounts, one way to increase the score is to increase the credit limits on one's credit card accounts.[27]
Not a good predictor of risk[edit]
Some have blamed lenders for inappropriately approving loans for subprime applicants, despite signs that people with poor scores were at high risk for not repaying the loan. By not considering whether the person could afford the payments if they were to increase in the future, many of these loans may have put the borrowers at risk of default.[28]
Some banks have reduced their reliance on FICO scoring. For example, Golden West Financial (which merged with Wachovia Bank in 2006) abandoned FICO scores for a more costly analysis of a potential borrower's assets and employment before giving a loan.[29]
According to the experts at MyFico.com,[30] credit scores are enhanced by having multiple credit cards, the use of credit cards, and having installment loans. However, financially secure individuals who do not use multiple credit cards and/or self-finance installment type expenses may be inaccurately assessed a lower credit score.[31]
Use in employment decisions[edit]
Experian, Equifax, TransUnion and their trade association (the Consumer Data Industry Association or "CDIA") have all gone on record saying that employers do not receive credit scores on the credit reports sold for the purposes of employment screening.[citation needed] The use of credit reports for employment screening is allowed in all states, although some have passed legislation limiting the practice to only certain positions. Eric Rosenberg, director of state government relations for TransUnion, has also stated that there is no research that shows any statistical correlation between what's in somebody's credit report and their job performance or their likelihood to commit fraud.[32]
Other concerns[edit]
The use of credit information in connection with applying for various types of insurance or in landlord background checks has drawn similar amounts of scrutiny and criticism. This is because the activities of finding secure employment, renting suitable accommodation and securing insurance are the basic functions of meaningful participation in modern society, and in the case of some types of auto insurance for instance, are mandated by law.[33]
Credit Scores and Morality[edit]
Credit scores have been widely criticized a systematic way to measure morality. They track consumption choices over time and so they are used reflect a person's ability to manage money. The classification system of credit scores "rewards consumers who belong to the right category", and excludes those who are on the fringes of classification. Your credit score is how reliable you are as a consumer and becomes your perceived morality. One consumer can be more moral than another if a credit score is higher. Banks, car dealerships, and real estate brokers decide on customers based on their credit score. Companies keep records of purchasing behavior, and buy them from other companies, to attempt to manage your moral hazard through data collection, and them make a performance assessment. They suggest a certain behavior, and reward success and punish those who fail to follow, usually in ways that broaden the economic and moral gaps. These punishments can include higher premiums, loss of privileges, poorer service, or higher interest rates, which ultimately affect credit score and purchasing power.[26]
See also[edit]
- Comparison of free credit report websites
- Bankruptcy risk score
- Credit scorecards
- Alternative data
- Seasoned tradeline
- ^ Report to the Congress on credit scoring and its effects on the availability and affordability of credit
- ^ An overview of consumer data and credit reporting
- ^ "Our History - FICO". FICO.
- ^ a b "How Are Credit Scores Calculated? Learn What Affects Your Credit Score". myFICO.com. Retrieved 2010-01-19.
- ^ Dayana Yochim. "How Lenders Keep Score". TheMotleyFool. Archived from the original on 2008-03-15. Retrieved 2008-02-29.
- ^ "Amounts Owed – How It Impacts Your Score". Archived from the original on 2016-10-17. Retrieved 23 October 2016.
- ^ Is Paying Off the Mortgage Good for Our Credit? CREDIT CARDS Q&A By Joan Goldwasser, Kiplinger Personal Finance magazine, October 2008
- ^ "What are inquiries and how do they affect my FICO score?". myFICO.
- ^ "Consumer Watch". okcfox.com.
- ^ "Hold Off on Opening New Credit Cards" 12–09–07 Archived 2011-06-29 at the Wayback Machine
- ^ Credit Score Information: About FICO Scores – myFICO.com
- ^ "New Mortgages Worry Regulators" The Washington Post, June 10, 2006
- ^ "What Is the Range for Credit Scores?" NerdWallet, October 28, 2016
- ^ "FICO® NextGen Risk Scores" (PDF). Archived from the original (PDF) on 2016-12-21. Retrieved 2016-01-05.
- ^ "FICO NextGen Score". FICO. Archived from the original on 2010-08-20.
- ^ "FICO® Small Business Scoring Service | FICO®". FICO® | Decisions. Retrieved 2017-04-10.
- ^ "VantageScore". VantageScore.com. Retrieved 2010-01-19.
- ^ "How to get a free credit score". Bankrate.com. Retrieved 2011-06-26.
- ^ "Annual Credit Report.com - Home Page". Retrieved 23 October 2016.
- ^ "Fair Credit Reporting Act".
- ^ Credit-based insurance scores: Impacts on consumers of automobile insurance Archived 2009-05-11 at the Wayback Machine A Report to Congress by the Federal Trade Commission July 2007
- ^ No evidence of disparate impact in Texas due to use of credit information by personal lines insurers Dr. Robert P. Hartwig in January, 2005. Insurance Information Institute
- ^ Allstate Insurance Company's additional written testimony July 23, 2002[dead link]
- ^ Use and impact of credit in personal lines insurance premiums pursuant to Ark. code Ann. §23-67-415 Archived 2009-05-21 at the Wayback Machine (September 1, 2006) – A report to the legislative council and the Senate and House committees on insurance and commerce of the Arkansas General Assembly (as required by Act 1452 of 2003)
- ^ "As a Hiring Filter, Credit Checks Draw Questions", The New York Times, April 9, 2010
- ^ a b Fourcade, Healy, Marion, Kieran (2013). "Classification situations: Life-chances in the neoliberal era". Accounting, Organizations and Society. 38 – via Elsevier.
- ^ "Credit Scores: Not-So-Magic Numbers" Business Week, Feb. 7, 2008.
- ^ Credit scores didn't fail in screening applicants for subprime loans Archived 2011-07-23 at the Wayback Machine(April 7, 2008)By PAMELA YIP / The Dallas Morning News
- ^ "Credit Scores: Not-So-Magic Numbers" Business Week, Feb. 7, 2008. Archived 2009-01-23 at the Wayback Machine
- ^ "Improve Credit Score: Tips to Fix Poor Credit & Raise Your FICO Score - myFICO". www.myfico.com.
- ^ "How Payment History Impacts Your Credit Score - myFICO". www.myfico.com.
- ^ "Millions Need Not Apply" New York Times, May 29, 2011.
- ^ Legislatures, National Conference of State. "Use of Credit Information in Insurance 2011 Legislation". Retrieved 23 October 2016.
External links[edit]
- "Credit Scores: What You Should Know About Your Own", by Malgorzata Wozniacka and Snigdha Sen (November 2004). Frontline. PBS.


text:
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Internet Marketing, Web Design & SEO
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I focus on:
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OS X Lion is quite demanding for old Macs. Even though I own a 15'' MBP early 2011 with the 'powerful' Intel HD 3000 for integrated graphics, some animations just don't feel right (low fps).
This is especially very noticeable with Mission Control: It's choppy.
When ever discrete graphics are being used (e.g. QuickTime movie with GPU acceleration, Win7 in VirtualBox...) Mission Control is much smoother and easier on the eye.
- Is it possible to force discrete graphics to be used when the MBP is connected to a power source?


text:
Circular – Personal Portfolio HTML Template
Meet Circular – Your new personal portfolio template!
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The "mots." responsive Ghost theme would not have existed without the following:
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text:
Due to the sales boost on the Middle Eastern and African markets, VTS opened a state of the art Logistics – Production Center in Dubai in October 2015.
With its innovative infrastructure and highest work and safety organization standards, the new factory, together with an office complex, will not only guarantee fast and professional service of all orders in the region, but will also bring VTS closer to the Clients and to the entire Persian Gulf and African market.
"Our clients often stress that they are more inclined to cooperate with companies that have local divisions, where they run their actual business. This not only proves the robustness and position of the company, but also provides visual evidence of its development. This way, we are building brand identification and trust, tightening relations with the local market. We treat the market and our clients very seriously. This investment is the proof of our total involvement and belief in the development of the Middle Eastern market. Now, we are ready to grow with the market and to guarantee our clients the highest quality of products and services" – claims Hanna Siek-Zagórska, the CEO of the VTS Group. "For years now, our priority was to ensure the dynamic expansion on key world markets. Therefore, we intent to keep developing our commercial infrastructure". – she adds.
Opening of the factory and office in the United Arab Emirates is the next step in VTS' strategy and, without a doubt, one of the most outstanding successes of the Group. A total area of 4200 m2 houses a HUB (ca. 1000 m2), a Logistics Center (ca. 3000 m2) and a two-level office spanning over 345 m2.
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text:
Inexhaustible resources, what is it?
Inexhaustible resources are resources that will never run out.
geothermal sources
solar energy
A renewable resource is a natural resource with the ability of being replaced through biological or other natural processes and replenished with the passage of time. Renewable resources are part of our natural environment and form our eco-system.
Gasoline, coal, natural gas, diesel and other commodities derived from fossil fuels, as well as minerals like copper and others, are non-renewable resources without a sustainable yield
When we use up all of these fuel sources, that will be it. There will be no more. They've been so much a part of our lives, for so many years, that it's hard to understand they exist only in small quantities, and that we're reaching the end. Their affordability combined with their easy handling and storage is what has let us take them for granted for all these years. The fact that they're so easily moved simply adds to their attractiveness.
To shift over to natural, renewable resources we have to make certain accommodations. The concept behind making use of natural renewable resources, is that they are not going to run out. No matter how much we draw upon them, the environment will prosper and there will be many other benefits for us and our children. The utilization of renewable sources of energy hold the promise of a healthier and better future for generations to come. In order for this to take place, we need products that can utilize the energy from these fuel sources.
Alternative Energy
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Tutorial - Group 1: Basic Playback Controls on the TTM 57SL
Tutorial - Group 2: Playback and Library Controls on the TTM 57SL
Tutorial - Group 3: Playback Controls for Internal Mode on the TTM 57SL
Tutorial - Group 4: Cueing and Looping on the TTM 57SL
Tutorial - Group 5: Recording Controls on the TTM 57SL
Tutorial - Group 6: Effects Controls on the TTM 57SL
TTM 57SL Mixer Manual for Scratch Live 2.5.0
TTM 57SL Schematic
TTM 57SL Quick Start Guide with Keyboard Shortcuts
TTM 57SL Mixer Data Sheet
Serato Scratch Live Software
Serato Scratch Live Data Sheet
The 12" vinyl record has the Serato NoiseMap™ Control Tone which allows Serato DJ or Scratch Live to track the motion of the record.
Each CD has the Serato NoiseMap™ Control Tone which allows Serato DJ or Scratch Live to track the motion of the CDJ.
Serato Scratch Live. Vinyl emulation software that operates exclusively with Rane hardware. Mix and scratch digital music on your computer with Serato Control Vinyl or Control CDs.
This is a replacement fader for the TTM56, TTM56S and TTM57SL. Note the connecting cable is next to the side block.


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Movies are generally interesting, and most of us love them. It is no surprise that the motion picture industry is still around even after over a century of being in existence and entertaining us all.
But let us face it, in the world of film there is nothing quite as captivating as seeing a bad girl dominate the big screen. Perhaps this can be attributed to the fact that women are more often than not portrayed as vulnerable, weak and delicate, or maybe the reason is as simple as that they are simply easy on the eyes, sexy to watch and behold.
Regardless of what the reason is, the fact remains that bad girls are fun to see on screen and aren't going anywhere anytime soon. With this in mind, let us take a look at some of the most memorable and sexiest bad girls in the movies.
1.Fox (Wanted, 2008)
Of course, this list starts off with a nod to the enchanting Angelina Jolie. Here, she plays an expert assassin named Fox that schools James McAvoy's character on the ins and outs of assassination. With a gun in hand, she certainly makes shooting look sexy. And with that gun aimed at us, it looks like she has gone in for the kill…
2.Catherine Trammel (Basic Instinct, 1992)
Oh, come on. Do not pretend that the scene where Sharon Stone uncrosses and recrosses her legs isn't etched in your memory forever. Because the film may be over 20 years old, but it has sure left its mark on us. Catherine Trammel: loaded, experimental, writer, killer…? Apparently, she's a woman of many talents.
3.Ivy (Poison Ivy, 1992)
Remember that sweet, innocent little girl from E.T.? Well, you can just forget all about her as she's all grown up in this flick. Starring as the namesake of the film, Drew Barrymore leaves our jaws on the floor with her sinister performance and embodiment of this manipulative character.
4.Catwoman/Selina Kyle (Batman Returns, 1992)
Anne Hathaway did a fine job as Catwoman, but we think that the sexier, more seductive portrayal was pulled off by the incandescent Michelle Pfeiffer in Batman Returns. Watch for yourself and you will see: Selina Kyle is a force to be reckoned with and you do not want to get in her way when she is in action. We'll take one feline fatale, please…
5.Madison Lee (Charlie's Angels: Full Throttle, 2003)
Need we say more than Demi Moore? The lady proves that she has still got it with her performance as the villainous Madison Lee in the modern adaptation of the classic Charlie's Angels. While there is no shortage of lovable ladies in this flick, there is certainly no denying that the bad girl is the standout in this one.
6.Satan (Bedazzled, 2000)
Who knew that evil could look so beautiful? And who in their right mind would cast the luminous Elizabeth Hurley to play Satan? We are not entirely sure how exactly that happened but we are definitely not complaining. Tempt us. Please. We beg of you.


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Picked Galanga (Kha) is made from fresh galanga. Pickled galanga (Kha) provides flavour and aroma to many dishes, especially Chicken coconut soup (Tom Kha Gai). This pickled galanga can be kept in refrigerator for a long time after opening. Ingredients: Galanga, water, salt. Net weight: 16.00oz. Product of Thailand.
Copyright © 2004 - 2019 GroceryThai.com


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Adopt an Octopus
Common octopuses have three hearts, eight arms, and no internal skeleton. One of the most striking characteristics of the common octopus is its ability to change its appearance and hide from predators by matching the colors and even textures of its surroundings using a network of specialized muscles and pigment cells in its skin. If discovered by a predator, an octopus will release a cloud of black "ink" to obscure an attacker's view allowing it time to swim away. An octopus can also lose a limb to escape an attacker's grasp and regrow the limb with no permanent damage. The main environmental threats to common octopus are the loss of habitat and reduction in its main diet of mollusks, crayfish, and crabs through excessive fishing or water pollution. Adopt an octopus today!
(2 reviews)


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Last year, Samsung launched the Android powered Samsung Exhibit II 4G smartphone. This handset is exclusively available for the T-Mobile subscribers in the US. Samsung Exhibit II 4G is the successor of the popular Samsung Exhibit 4G smartphone. It was originally shipped with the Android 2.3.3 (Gingerbread) Operating System. It was later updated to the Android 2.3.5 OS.
Now, T-Mobile is rolling out a new update for the Samsung Exhibit II 4G smartphone. This update does not brings the Android 4.0 (Ice Cream Sandwich) OS. However, the latest update is numbered T679UVLE1 and it bumps the device to Android 2.3.6 OS. It also re-brands the smartphone from Samsung Exhibit II 4G to Samsung Galaxy Exhibit 4G. Check out the complete changelog below.
New Features:
- Re-brand to Samsung Galaxy Exhibit 4G
- Google Security Fix
- Device stability improvements
- Wi-Fi Calling audio improvements
- Camera app improvements
- Swype corporate email improvements
The size of the update is just 33 MB. This update can be easily downloaded via OTA (Over-The-Air) and KIES. If you still haven't received the update, then just go to Home > Applications > Settings > About Device > System updates and check for the update. This update will be available till June 15, 2012. To learn more, head over to this page.


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Yesterday the Art Crew at the Minneapolis Institute of Arts spent most of the day installing the student ofrendas in the gallery. With 60 labels and a video screen that features the students' narrative, the exhibition is now open to the public.
The exhibition will be open until Dec 4, 2011. The next event is a private party at the museum that celebrates the opening of the exhibition and honors the 60 student artists. Families and school administrators will be part of this event. Stay tuned for an update soon.


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We believe that God loves us and receives us through faith in Jesus Christ just the way we are. But, God loves us too much to let us stay that way. Through the work of Jesus Christ, God brings us into a transformational relationship with Himself and with one another, so that we are more and more like Jesus. We hope you will find us to be a family of believers who will love, encourage, stimulate, and challenge you in your spiritual walk.
If you are looking for a church home that teaches from the Bible and you desire to grow as a disciple of Christ and be equipped to serve Christ, we invite you to come and investigate our family. We are located in the heart of San Diego (La Mesa).


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Search this online dating site for singles in Arizona, the Grand Canyon State. Join Match.com to meet quality singles like you today! Match.com brings Rock Springs daters together. Start viewing photos and personals today and search through thousands of personal profiles to find Rock Springs singles meant just for you.
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Believing myths about pets can turn around and bite you
Think you know your pets? Try this true or false test courtesy of Dr. Robyn Jaynes (above):
- When a dog wags it's tail that means it's happy.
- When a cat purrs that means it's happy.
- Dogs like to be hugged.
- When a cat stretches out it wants its tummy scratched.
Another dog myth: Dogs like to be hugged.
* * *
A new event, the Furry Friends Food Drive, will kick off Aug. 28 and culminate Sept. 12 with a final collection at South High School.
The event has been organized by a group of metro area animal lovers who have taken note of the many families hard-pressed to take care of family pets because of the down economy.
About 58 percent of households own a pet and about one in every eight households is struggling financially, organizers say. Many shelters have seen an increase in the number of pets relinquished due to financial difficulties and trouble feeding their companions.
These highly-motivated volunteers have joined with the Food Bank of the Rockies, animal hospitals and others around the metro area to help.
The Furry Friends Food Drive will begin Aug. 28, collecting dry and canned pet food – as well as money for future food needs – at animal hospitals across the metro area and all Mike Shaw auto dealership locations. The effort will culminate on Saturday, Sept. 12 at South High School with a food collection lasting from 8 a.m. to 4 p.m.
A future installment of Fetch will explore how this unique effort came about. But for now, to donate to the Food Bank of the Rockies/ Furry Friends Food Drive, please visit www.causes.comfurryfriends.
Helping kittens – To help the more than 50 homeless kittens now in its care, Almost Home Adoptions for rescued cats is hosting an "adopt-a-thon." The public is invited to visit Almost Home on Saturday, Aug. 22 from 11 a.m. to 4 p.m. at 7713 W. 92nd Avenue (northeast corner of 92nd and Wadsworth Parkway) in Westminster. Donations are also being accepted to help offset Almost Home Adoption's costs.
Washin' the dog – A charity dog wash will be Saturday, Aug. 29 between 10 a.m. and noon at any of the three Colorado Springs Camp Bow Wow locations: Momument – 18985 Base Camp Road; Garden of the Gods – 4295 Northpark Drive; Powers – 1020 Ford Street. All donations will benefit a local dog rescue. For more information on Camp Bow Wow, visit http://www.campbowwow.com/us/co/coloradosprings/
Reach John Davidson at firstname.lastname@example.com


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Leaders of Team CajunBot and university officials lauded team members and sponsors during an awards ceremony at the Advanced Computer Technology and Research building on campus today.
The team most recently was one of 10 featured in the Discovery Science channel's five-part series "Robocars."
In 2004, 2005 and 2007, team members built two autonomous vehicles which competed in the Department of Defense's challenges which pitted driverless vehicles against one another in on a desert course and city streets. The first two challenges featured CajunBot – a six-wheeled all-terrain vehicle. In 2007, team members showcased CajunBot II - a Jeep Wrangler Rubicon.
Awards were given out in three categories including:
Red Brass Team Members: Trouble Arnold, Adrian Aucoin Jr., Firas Bouz, Rochelle Brasseaux, Joshua Bridevaux, Charles Cavanaugh, Muralidar Chakravarthi, Ronald Cheek, Russ Danna, Adam Dupre, Daro Eghagha, Suresh Golconda, Dallas Griffith, Joshua Hargrave, John Herpin, Arun Pratap Indugula, Nitin Jyoti, Arun Lakhotia, Patrick Landry, Chris Ledet, Adam Lewis, Anthony Maida, Danny Majors, Mark McKelvy, Chris Meaux, Pablo Mejia, Christopher Mire, Santhosh Padmanabhan, Prashant Pathak, Amit Puntambekar, Jonathan Raush, Ryan Rucker, Gunasekaran Seetharaman, Mike Speers, Chandan Uddaraju, Christopher Vaughn, Vidhya Venkitakrishnan and Scott Wilson.
Red Brass Sponsors: U.S. National Wetlands Research Center, Hewlett-Packard, Lockheed Martin Corporation, Begnaud Manufacturing Inc., Broadpoint Inc., Pixus Digital Printing, Cain's Auto Service, Louisiana Department of Transportation and Development, Honda of Lafayette, Cajun Off-Road, Espion International, SICK Inc., Ibeo Automobile Sensor GmbH, Iteris Inc., 2 the Max ATVs, Loretta Tauzin, Lark Chartier and Joey Pons.
Glass Awards: Lafayette Motors, Firefly Digital Inc., C&C Technologies, Brother Ray Majors, Quality Transport Inc., MedExpress Companies, Oxford Technical Solutions Ltd., Charles D. Cavanaugh and Arun Lakhotia.
Special MVP awards were given to Joshua Bridevaux, Pablo Mejia and Suresh Golconda. The "Hidden Hand" award was given to former UL Lafayette President Ray Authement.
"This team has done such outstanding work to have UL Lafayette counted amongst the elite engineering schools," stated Arun Lakhotia, CajunBot's team leader. "They have worked incredibly hard, going 36 hours and even 50 hours without sleep. For the four years we have been going back to challenges, I didn't have the time to look up and recognize their hard work. Now, it's time to do that."


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Kim Kardashian's business empire is expanding with the launch of her second perfume.
Kardashian took to her official site yesterday to let fans in on the news.
"I am so excited to tell you guys that my second fragrance will launch in February of 2011 ... I wanted to let you guys know here first so you can all share the excitement with me," she wrote.
Kardashian also shared a photo of the posh dresses she's considering to wear for the fragrance's commercial shoot, adding that she "cannot wait to get all glammed up."
The 29-year-old reality star's new fragrance, which has yet to be named, comes less than a year since the release of her first one, "Kim Kardashian."
The "Keeping Up With the Kardashians" star and clothing boutique co-owner with her sisters has also drawn headlines recently for the reveal of her wax statue last week at Madame Tussauds in New York City, and for her new relationship with Dallas Cowboys wide receiver Miles Austin.
In other Kardashian news, Kim spent Wednesday evening showing her support for pal Lindsay Lohan, Usmagazine.com reported. Lohan, who was sentenced Tuesday to 90 days in the slammer for violating her probation, opted to spend her 24th birthday at home with family and close friends, including Kardashian.
"Sending positivity your way," Kardashian tweeted on Tuesday. "Everyone please send LL your sweet prayers. U never know when someone needs it."


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There is no minimum order or handling fee. Returns will only be accepted once the item is returned to us in its original packaging and unused condition. Cancellation of an order must be completed in writing through our online contact form. If an order or part of the order is cancelled after the item(s) already left our facilities, all shipping/storage costs or any additional fees in relation to shipping will be charged to the customer and therefore only a partly refund can be issued to the customer. Return funding method will be the same as original method of payment. If the product(s) you ordered is/are out of stock at time of order placement, partial orders may be shipped. Orders not in stock, will be shipped on a subsequent date. There is no additional charge for back order shipments. As our product portfolio is diverse with many different manufacturers our goal is to ship the product(s) within 3-5 business days of an order submitted however this is not a guarantee but simply a target guideline. All orders that require shipping are done so Standard without shipping insurance. Although all shipments are handled with the greatest care, any damage occurred during shipping are for the customer, unless shipping insurance is specifically selected and paid for. Orders selected for pick up in Barrie(BAR), Edmonton(EDM), Victoria(VIC) warehouses require the order to be placed online first and local pick up location to be entered in the Comment Box. Confirmation will be send to confirm items are indeed avaialable at location. FOB* indicates where item is currently located and custom shipping quote is required to confirm shipping costs. Shipping to the US and other International destinations are no longer supported. For shipping in Canada: the province of Newfoundland and the territories of Nunavut, Northwest Territories and Yukon will have additional charges and will be communicated to the customer for approval. PalPal Express is a secure payment method for all major credit cards and no PayPal account is required. When PayPal is selected you will be directed to the PayPal website Securely and simply select "do not have an account". Then you can enter your credit card details.
Any attempts to Fraud will result in notification to the proper Authorities.
Only E-mail addresses associated to the purchase order(s) will be used for communications. Information collected by our web site will not be shared with 3rd parties or sold. Privacy for our customers is a key priority.


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Wrapped foods, such as the Vietnamese spring roll, the Filipino lumpia and the Chinese egg roll, have a long history in Asian cooking and are hot items right now all across America. The lime juice, ginger, cilantro, cucumber and mint in this recipe are found in the cuisines of all Southeast Asian countries. Round out this dinner with hot or iced jasmine tea and cold Thai beer.
- Yield
- Serves 4 as an appetizer
- 1/4 cup fish sauce (nam pla)
- 2 tablespoons thinly sliced green onion
- 1 1/2 tablespoons fresh lime juice
- Pinch of dried crushed red pepper
- 2 teaspoons olive oil
- 2 teaspoons minced fresh ginger
- 16 uncooked medium shrimp, peeled, deveined, halved lengthwise
- 1/4 cup chopped fresh cilantro
- 4 cups hot water
- 8 6-inch-diameter Vietnamese spring-roll sheets
- 4 small Bibb lettuce leaves, halved
- 1/2 cup thin strips green onions
- 1/2 cup thin strips seeded peeled cucumber
- 4 teaspoons minced fresh mint leaves
- Mix first 4 ingredients in small bowl. Set dipping sauce aside.
- Heat oil in medium skillet over medium-high heat. Add ginger; sauté until fragrant, about 10 seconds. Add shrimp and cilantro; sauté until shrimp are just cooked through, about 1 minute. Remove from heat. Season with salt and pepper.
- Pour hot water into large bowl. Using tongs, dip 1 spring-roll sheet in water 5 seconds. Remove from water; place on wet towel. Let stand 30 seconds (spring-roll sheet should be soft and pliable; if still stiff, sprinkle with more water).
- Place half of lettuce leaf across top third of spring-roll sheet. Arrange 4 shrimp halves on lettuce. Top with 1 tablespoon each of green onions and cucumber. Sprinkle 1/2 teaspoon mint over filling. Fold sides of spring-roll sheet over ends of filling. Starting at filled side, roll into cylinder. Place on plate. Repeat with remaining spring-roll sheets, lettuce, shrimp, green onions, cucumber and mint. Serve with sauce.
Related Video
Nutritional Info
- Calories54
- Carbohydrates3 g(1%)
- Fat3 g(4%)
- Protein5 g(9%)
- Saturated Fat0 g(2%)
- Sodium1563 mg(65%)
- Polyunsaturated Fat0 g
- Fiber1 g(3%)
- Monounsaturated Fat2 g
- Cholesterol30 mg(10%)


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Iam having a problem with my code that makes the Random() part.
This is a code for a memory-game in android, but this question is more pure java than android sdk.
This is the code that i run right now.
ROW_COUNT = 3 and COL_COUNT = 4 cards = new int [COL_COUNT] [ROW_COUNT];
private void loadCards(){ try{ int size = ROW_COUNT*COL_COUNT; ArrayList<Integer> list = new ArrayList<Integer>(); for(int i=0;i<size;i++){ list.add(new Integer(i)); } Random r = new Random(); for(int i=size-1;i>=0;i--){ int t=0; if(i>0){ t = r.nextInt(i); } t=list.remove(t).intValue(); cards[i%COL_COUNT][i/COL_COUNT]=t%(size/2); } } catch (Exception e) { Log.e("loadCards()", e+""); } }
The problem is that this will always make cards[0][0] = 5 becourse iam not requesting a random
number when i==0
if i try to change that
toif(i>0){ t = r.nextInt(i); }
if(i>=0){ t = r.nextInt(i); }
This is wrong of course: r.nextInt(0) will throw IllegalArgumentException.
So my question is to you guys if there is a way round this problem of mine?
as you could see, iam new to this so please be gentle


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beautiful chandelier from hudson furniture
Nice Nike Basketball campaign in Europe transforming Maccabi Elite players into comix super heroes.
Brand new poster print by Supermandolini™. "Shooting Target" more than just a fun design carries under the surface a more serious message open to interpretation.
Nike SB teamed up with Concepts to release this awesome Lobster inspired shoes! They even come with rubber bands and butter colored laces.
Lorenzo Damiani Mondo Rug - This rug unites the past and present: the continents, made in pure wool, recall the most classical Persian rug, while the sea, contrasting in viscose, has a more modern image.
Beautiful house by Portuguese Arquiprojecta. The house has huge windows that lets in light from both sides and gives the house a 360 view of the landscape.
Nifty concepts of graphic design for cans of Nestea ice teas, developed by the agency Letters-Numbers, which brings a more sophisticated form and suggestions of new visual identity.
One of the U.K's emerging talent's 'T.Magic' hits up the streets of London with his most recent stencil 'Art Is My Hustle'. I can see some Warhol influence in his slogans.
The 'Cloud' Lamp shades are made with recycled paper, they can be flat packed, and sold with a milky white energy saving bulb. Cloud Lamp is a simple and sustainable approach to add magic and intimacy to domestic lighting.
Even the smallest printing flaw can contaminate your whole job. Ad campaign for Mais Printing Services.
Very simple and intelligent idea by italian designer Paolo Ulian for a perfect project that reflects about wood waste
The Campaign for the Government of Catalunya to keep the Mediterranean sea clean by Klas Ernflo is cute and creative, and it gets the message across really well. The rest of his pieces are great too!
The new Peter Dass Museum in Alstahaug, Norway, is placed inside the cut on a big rock over a great view of the surrounding landscape. By Snohetta.
Cool ad by Mango Fashion Awards. The Jean Paul Gaultier puppet kills me. :D
Harvard Graduate School of Design students Kiduck Kim and Christian Stayner have conceived of a Floating City for New Orleans that will "rise safely in an Archimedean liquid landscape."
I would like the Squirrel do please. Although the Walrus is solid as well. Beautifully executed animal hairstyles.
FEATUREDPolyface Farm ~ once you hear how they run their fully sustainable farm, and you taste their chickens/pork/eggs/etc ~ i dare you to try and eat industrially farmed animals again...
Spear Collective Artist Jefrey Lacson takes playing with toys to some other dimension.
Tracing western civilization collapse with Jell-o Ads.
This foldable Greenhouse concept by Daniel Schipper is a folding frameless modular plant growing heaven made out of recyclable plastics.
Dream like photos for Aquino House by Augusto Fernandez in Mexico. It reminds me of Frank Lloyd Wright architecture.
FEATUREDVirginia has some impressively fesity wildlife ~ check out the toads, canadian geese goslings, huge snakes, chickens, and more found on this little NOTCOT "vacation"
Wired Science has a great video interview with science photographer Felice Frankel. She recently had work included in MOMA's Design and the Elastic Mind exhibition.
2008 Pritzker laureate Jean Novuel, just won the competition for the new Tour Signal tower in La Defense, Paris.
Goldsmiths graduate exhibition 2008 takes place in London. Unusual installations and artistic ideas are presented here in vast variety.
Goodbye Yves Saint-Laurent... just passed away on sunday at 71
ASKO Creative Laundry - a new designer range of modular integrated laundry products that are made for "designers and architects" ~ hidden behind cabinets are washers, dryers, drying closests, and more...
House in Tunquen by Rodrigo Aguilar. A sleek concrete house by the beach in the chilean coast.
To commemorate George Nelson's 100th birthday, Vitra has released a limited edition of the Pretzel Chair (orginally designed in 1952). Though Nelson is known for his furniture design, he was a well-rounded designer who explored working in many disciplines.
Even Batman drinks milk. The Dark Knight is latest to ask, Got Milk?
Why are the Swiss always cooler? the humble allen wrench is elevated to a staff of style at colette
Prince of Persia : Next Gen. Beautiful concept art !
This month, 1134 NYC teams up with NYC Art Toy Brand Thunderdog Studios to release the first ever graffiti based, wall mounted, vinyl toy. The toy was designed by Mint & Serf. Really nice!
New works by Dan May, Nathan Spoor and Brandi Milne at CoproNason Gallery opening June 7th. Previews are up and are looking good!
Rail Rider, a bicycle and an old train rail is the perfect combination to create the newest attraction all over the world. Oil free!
Simpleformsdesign was distinguished with the RedDot Design Award Winner 2008 with Cork Collection, a 12 cork pieces elegant collection.
In less then a month, Spain Expo Zaragoza 2008 will open doors. Check the amazing pavillions you will find inside the expo!
Cork is not only used to isolate sound and build cork stoppers. Check the 1st cork stamp in the world, made by designer João Machado. Portugal is responsable for more then 50% of world cork, just in case you want to know!
What do you get if you take one of MC Escher's famous pictures and add the theme from Portal into the mix.
Concert, plywood and a few colored walls make up the Mon Lou Lou hair salon in Asagaya, Japan. Very clean and nice interior, and I love the front door. The interior was designed by Assistant.
the ultimate magic trick - making furniture disappear into the balcony - aka just really cool space saving design by Sandy Lam from Vancouver.
King Abdulaziz Center for Knowledge and Culture by Snøhetta
There are only 1300 tigers left in India. A fresh perspective on the problem
19 skydivers spelled out the word Honda in three minutes and 20 seconds for UK's first live tv promo, inspired by the car manufacturer's new advertising strapline: "Difficult is worth doing"
By simply pointing their mobile phones at blotchy black-and-white newspaper ads, consumers could bring to life colorful 3-D animals during a campaign by Wellington Zoo in New Zealand.
Which would you rather have trailing behind you: carbon monoxide or BUBBLES? BLOOM is another cheeky entry from the design21 competition, where the bubbles contain spores/seeds that sprout where it lands. The video is cute too.
Christie's will be holding a Pop Culture Auction next month. Some great stuff in there, definitely worth checking out!
VIDEOThe movie: BOMB IT - The global graffiti documentary by award-winning director, Jon Reiss - features street artists and top graffiti writers from 5 continents (i.e. Taki 183, Revs, Revok, Shepard Fairey, Os Gemeos, Cope, KRS-One etc).


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Inflammatory Bowel Disease
Richard P. MacDermott, William F. Stenson
Elsevier, 1992 - Medical - 658 pages
From inside the book
89 pages matching occur in this book
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Chapter 18
The Genetics of Inflammatory Bowel Disease
25 other sections not shown
Other editions - View all
Common terms and phrases
abnormalities agents antibodies antigen associated autoantibodies autoimmune bacterial biopsy Brandtzaeg cellular chemotactic chronic Clin Exp Immunol Clin Invest clinical colitis and Crohn's collagen complement Crohn's disease cytokines cytotoxic detected diarrhea disease activity disease and ulcerative effects eicosanoids epithelial cells epithelium factor function Gastroenterology gastrointestinal genes genetic granulomas human intestinal ileal ileum immune response immune system immunocytes immunoglobulin immunologic increased induced infection inflammation inflammatory bowel disease inhibition interleukin isolated Jewell DP lamina propria lesions leukocyte leukotriene LTB4 lymphocytes macrophages markers mast cells mechanisms mediators monocytes mononuclear cells mucin mucosal mycobacteria neutrophils normal pathogenesis patients with Crohn's patients with ulcerative peptides permeability Peyer's patches production prostaglandin protein receptor rectal release result role Scand J Gastroenterol secretion secretory serum Shanahan F small bowel small intestine smooth muscle specific stimulation studies suggest sulfasalazine syndrome synthesis T-cell therapy tissue ulcerative colitis vitro vivo


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*pulcino*kiyomizu hunt!
Posted by piyogorou in *pulcino*, event, FREE, hunt, limited colors., limited time, MESH on 2016/03/13
Kiyomizu spring Treasure Hunting 2016 officially started!
*pulcino* is participating too. Let's find out black cat "Monji".
*pulcino*'s prize is MESH dress.
It is one piece of one shoulder.
This is a pastel color springlike.
This can be changed in 5 colors at HUD.
i will do this hunt from start to end.
time: 2016.03.12(JLT) - 2016.04.10(JLT)
*pulcino*- only available in this hunt
Female Dress.
Limited colors!
kiyomizu mall limited
*mesh cloth
Female Standard Sizing
no mod/no trans
*alpha Layer
no mod/no trans
no mod/no trans
Hunt Limited colors
This dress sale after the end of hunting,
distribution will end.
Please acknowledge.
*pulcino* in KIYOMIZU Mall
*pulcino* Flagship store, Kourinbou (18, 66, 22)