text:
And then there were four. On Sunday, the Seattle Seahawks, San Francisco 49ers, Denver Broncos and New England Patriots will find out who will have the honor of playing in Super Bowl XLVIII. Key performances are more important than ever, and schemes must be as tight as they've ever been. With that in mind, here's one thing each team must accomplish if it wants to punch a ticket to MetLife Stadium on Feb. 2.
Seattle Seahawks: Stay in your lanes against Frank Gore.
Though the Seattle Seahawks have had a number of great defenses over the last few seasons, running back Frank Gore has been a thorn in the franchise's side for a good, long time -- and Seattle's current status as the league's best defense based on metrics both typical and advanced doesn't make much of a difference when it comes to the nine-year veteran. Gore has run for more yards (1,364) against the Seahawks than against any other team, and his 16 games against Seattle is bested only by his 17 games against the Arizona Cardinals.
In 2013, however, his two games against the Seahawks produced wildly divergent results. He rushed for just 16 yards on nine carries in San Francisco's 29-3 loss in Seattle on Sept. 15, and turned that around with 110 yards on 17 carries in the Candlestick Park rematch on Dec. 8. Gore's most important run in San Francisco's 19-17 win came with 4:21 left in the game. The 49ers had first-and-10 at their own 31-yard line, and Gore flared out and cut back inside for a 51-yard run. That put the ball at the Seattle 18-yard line, and set up Phil Dawson's 22-yard game-winning field goal with 31 seconds left.
Though the 49ers blocked the play with their usual mix of power and fundamental awareness, the gain would not have been as long as it was had the Seahawks avoided an over-aggressive approach -- especially in the defensive backfield, where just about everybody missed an opportunity to make a play.
"We just overran it, just overran the tackle," Seahawks head coach Pete Carroll said after the game. "A number of guys had a chance. [Safety] Kam [Chancellor] had a real shot at it, just floated over the top of the run. [Safety] Earl [Thomas] had a shot at it as it came back underneath and it got back all the way to Sherm [cornerback Richard Sherman]. Sherm got nicked by a blocker and just didn't get off of it cleanly and he took off and hit it. We were going this way and he was going that way. So they blocked it well up front, but we had plenty of shots to keep it to being an eight- to nine-yard gain."
Coming into the NFC Championship game, Carroll has talked a lot about gap fundamentals, because he knows that without them, it will be nearly impossible to beat a 49ers team that has not lost a game since late November.
"Frank Gore had a great run the last time we played," Carroll said Monday. "They were running the ball okay in that game, they were competitive and all of that, and then they busted one that changed the game. It was a great job by them and unfortunately we didn't get it down -- it put them in field goal range and the game was at hand there and the clock became the issue. He did it again the other day, he busted one again [against the Carolina Panthers in the divisional round]. He's really capable, he's a fantastic runner, he's got great sense, and he's got as good a sense in the line of scrimmage as anybody that's playing in the game. If you make a mistake, he takes advantage of it, and he certainly did that against us."
San Francisco 49ers: Keep Ahmad Brooks after the quarterback.
When the 49ers are in their 3-4 base defense and certain sub-packages, there's little doubt that they put the NFL's best linebacker quartet on the field. Outside linebacker Aldon Smith is the noted pass-rusher, while inside linebackers Patrick Willis and NaVorro Bowman patrol the middle with an unmatched combination of physical prowess and football acumen. Bowman, in particular, has played at a Defensive Player of the Year level through most of the season.
The hidden asset among San Francisco's linebackers, however, is Ahmad Brooks, the eight-year veteran who tied Smith for the team lead in sacks this season with 8.5. Brooks added two more sacks in the 49ers' wild-card win over the Green Bay Packers, and 2.5 more in the team's divisional victory over the Carolina Panthers. Thus, one sure and simple truth -- though Brooks may be relatively underrated among that linebacker group in the public eye, he's anything but in the NFL's film rooms.
"He's not underrated around here," Pete Carroll told me Wednesday about Brooks and San Francisco's linebacker group overall. "He's had a great season. He's been aggressive and tough and playmaking all year long. It's a very, very good group. It's the highlight group of their defense that just jumps out at you. Inside guys are terrific, and both outside guys cause problems in numerous ways. So that is a focal point for us, for sure."
Carroll also said that despite Brooks' recent statistical uptick, the 49ers aren't using him in any different ways -- it's just that everything is just kicking in at the right time.
"No, they've pretty much used him perfectly for a long time. They've used them in their base packages and their nickel packages and they move them around a little bit. But he's just been tearing it up as their whole defense has."
Sacks aside, Brooks' most important play of the postseason was a run stuff on fourth down, because it prevented a Panthers touchdown at the start of the second quarter that could have turned the momentum of San Francisco's eventual 23-10 result. Carolina had fourth-and-goal from the 49ers' one-yard line, and it was up to Brooks to kill quarterback Cam Newton's attempt at a touchdown.
"The un-scouted part of the whole situation was the defense itself," Harbaugh said. "We went from a 6-2 defense on the goal line ... That's been our defense on the goal line. For the years we've been here, we've never shown a 5-3 look. By taking Ahmad and moving him into the center to create the 5-3 ... was un-scouted. We had not shown that, and I thought it was a great move by [defensive coordinator] Vic Fangio. We talked about it during the week. This is something that would be very difficult for the opposition if we get in that position, and Vic said, 'Well, I hope we're not in that position.' Sure enough, we were in that position two times, and that planning, that preparation by our players, especially by Vic Fangio and the defensive coaches, was profound."
The 49ers will need to be just as profound against Seattle's inside run game, and Brooks is more than able to expound.
New England Patriots: Engage in Blount-force trauma.
When the New England Patriots and Denver Broncos last met, it was Tom Brady's team that came away with a 34-31 overtime win. And that version was truly Brady's team -- New England's passing game was front of mind as the Pats had to overcome a 24-0 Denver halftime lead to get back in the game in the first place. Brady completed 34 of 50 passes for 344 yards, three touchdowns and no interceptions for his most important performance of the season. But that was when everything was rolling through the air, and Brady had Rob Gronkowski as a primary receiver.
Adaptability is the order of the day for Bill Belichick's team, though. And when Gronkowski was lost for the season due to a torn ACL, a reset was in order. To get to the AFC Championship game against these very same Broncos, New England had to beat the Indianapolis Colts in the divisional round. This they did, by a 43-22 margin, but Brady was a bit player. He completed just 13 of 25 passes for 198 yards and no touchdowns, and left the scoring -- not to mention the primary means of production -- to running back LeGarrette Blount. The same man who carried the ball exactly two times in the Denver game was the main man behind the drive to the rematch, with 166 yards and four touchdowns on 24 carries.
"Once I get into the open field, they're going to have to chase me," Blount said after the game. "And if they catch me, they do. And if they don't, they don't. They usually don't."
Blount, traded by the Tampa Bay Buccaneers in April 2013 for running back/track star Jeff Demps and a seventh-round pick after he fell out of favor with former head coach Greg Schiano, has found a new lease on life in Foxboro -- he's the latest of a new group of Pats who seem to find their best selves when they hit the door. And because he's done so, Blount makes the Patriots dangerous in ways this team hasn't been since it was winning Super Bowls a decade ago. Some who have played and beaten New England in those most important games in recent years are convinced that Blount can be the next Corey Dillon, who gained 1,635 yards for the Pats in 2004 -- the first year after the Cincinnati Bengals decided they were tired of the headaches Dillon brought with his talent. That was the last season in which Belichick's team took home the Lombardi Trophy.
"People always ask me, what's the difference between today's Patriots and when we faced them in 2007, when they had the most explosive offense until this year's Denver Broncos," former New York Giants linebacker Antonio Pierce told ESPN's Mike Greenberg and Mike Golic on Wednesday. "They had no running game. We didn't fear their running game. We dared them to try to run the football on us. But you imagine Tom Brady with a 245-, 250-pound back running downhill? That's dangerous. You give that kind of quarterback a two-way option ... when they had the most success in [Brady's] career as a Patriot -- I'm talking about winning championships -- it was all about the running game. You remember Corey Dillon. That big back, that factor where when he drops into play-action and throws the ball over the top ... now, you're saying, 'Wow -- how difficult is this? What do we do?"
The Colts' problem wasn't play-action, though -- their problem was how to stop a back as big as Blount, who can pick up serious speed when he gets a head of steam. The Pats had supreme confidence in Blount's ability to shred Indy's defense, and there was one run concept that really killed the Colts -- Blount as the single back with a two-tight end set, and a pulling left guard (Logan Mankins) to seal the right edge. This was good for an eight-yard gain with 4:58 left in the first half, when Blount blew through the right side of the Colts' defense.
Belichick went back to the well with 12:55 left in the game, and Blount put the game away with a 79-yard touchdown run. This time, the hole Blount had to run through was simply ridiculous, and a perfect indicator of how well New England's offensive line is set up to accentuate his newfound status as a force multiplier.
"That's why we go with LG, make it easy there," Belichick said Wednesday. "LeGarrette has given us good football all year long, he really has. Certainly he's had some outstanding games recently, but he's been a solid player for us all the way through. I think everybody has a lot of confidence in him. He's done a good job in the passing game. He's caught a couple check-downs, screen passes and stuff like that. He's run the ball well. He has a great skill set: good vision, good size, good quickness, good speed, he's a hard guy to tackle. I think he's been solid; he's been a solid player for us all year long."
In Belichick-ese, "solid player" is a supreme compliment. It's one that Blount has earned with no question, and it's one that the Broncos' defense could soon echo with regret.
Denver Broncos: Find a way to replace an indispensable slot machine.
Then again, the Patriots may want to investigate the possibilities of the slot receiver position in this Denver rematch in ways they may not have against the Colts. Because a Broncos defense that has managed to overcome a lot of injuries will unquestionably be in trouble without cornerback Chris Harris, who was lost for the rest of the postseason with a torn ACL in the third quarter of Denver's 24-17 divisional win over the San Diego Chargers. When Harris left the game, Denver was up 17-0 and had everything in hand, which is a testament to Harris' value -- and that value had been evident all season. Especially in the slot, Harris has been one of the NFL's best pass defenders over the last two seasons -- and when the Broncos had to sub in veteran Quentin Jammer, the game tape got a lot uglier.
Jammer was directly responsible for two big plays from quarterback Philip Rivers to rookie receiver Keenan Allen -- a 49-yard completion with 7:38 left in the game, and the 16-yard touchdown detailed below. On this play, San Diego had third-and-4 with Allen in the slot, and Jammer unfortunately proved that he could not mirror Harris' knack for that role. On this play, Allen simply outran Jammer, who was reduced to the role of bystander.
Jammer's look said all that needed to be said... until the game was over.
"I think we made some mental errors," Jammer recalled. "I know me, myself, I made mental errors that led to three big plays. I sat on a route on fourth-and-3. I overthought everything. Me being a veteran player, there's fourth-and-3, going against the wind, I'm thinking a curl, something just to get the first down and keep the chains moving [and I] let the guy run right by me. [Chargers receiver] Eddie Royal on third-and-6, I'm thinking one thing and he runs a completely different route. There's a lot that we can clean up, and there's a lot that I need to clean up."
The Broncos have subscribed to the "next man up" philosophy, signing former Patriots defensive back Marquice Cole to try to provide some insight into New England's ability to exploit slot mismatches.
"When you have people like Peyton [Manning], I'm pretty sure he knows more about the defense than even I would," Cole said Wednesday. "Same thing with Tom [Brady]. What could I say to Peyton Manning, you know? What, 'They're going to be in Cover-1, they're going to be in Cover-2, they're going to be in Cover.' It is what it is. He is going to do his scouting, which I'm pretty sure he's been doing before I even signed here, so there isn't much I can do to help out."Julian Edelman Danny Amendola Kenbrell Thompkins


text:
Discover here more job vacancies on academics – the leading job market for science and research. In order to receive information about suitable job vacancies regularly by email, you can register with us free of charge at any time.
With our job newsletter, you will receive suitable job ads as well as interesting content matching your search profile  on a weekly basis.
27,962 people work at the Helmholtz Centres, 8,763 of which in science and research and 4.124 as Ph.D. students.

subset: commoncrawl


text:
You are about to enter a website that may contain content of an adult nature.
Hello everyone, this is Indian cam girl BlondeGlamor1 here. I'm 35 year old Female speak English in the Indian live sex chat action. Im a real woman and the perfect combination between an angel and a devil, what do you prefer?. I`m a nice girl with extremely beautiful eyes, smile and very hot body. Check my images and try my comfy private room!. I like to cover my all holes ... I wait is my expertise and also what I will do in Indian live sex private show. I have Brown eyes, Medium Blonde hairs and my measurements are 33-14-12. For Turn ons: Nasty chat with a hard guy ... Make me fuck myself with my toys for you, make me yours!!!. For TurnsOff: Stupidity, liars, rude people, one minute men and free chat beggers.. If you prefer kinks, then Tattoos,Shaved, are mine. I'm just hungry for a HARD cock, can't wait to see u in my Indian webcam sex chat room! :)
Show more models
This website contains indian cams, desi cam, free hindi chat and tamil sex chat related sexually explicit content.
You must be at least 18 years of age to enter this website. © Since 2012 myindiansexcams.com Indian Sex Chat Network All Rights Reserved
AllHosts1 - AllHosts2 - AllHosts3 - AllHosts4 - AllHosts5 - AllHosts6 - AllHosts7 - AllHosts8 - AllHosts9 - AllHosts10 - AllHosts11 - AllHosts12


text:
Okay icarus, from 1971, as Giraffe says - entered (but not seen?) at the BOAC 1,000 Kms we have;
65 Roger Enever (GB) / Clive Baker (GB) Huron 4A Ford Camel Filters Team Huron
and then in 1972 from the Spa 1,000 Kms;
Did not practice:
6 Roger Enever (GB) / Clive Baker (GB) Huron 4A Ford Camel Filter Withdrawn
7 Shaun Jackson (GB) / Syd Fox (GB) Huron 4A Ford Camel Filter Withdrawn
and so on that season (but with no recorded appearances, let alone starts), according to Martin Krejci's magnificent World Sportscar Championship website: http://wsrp.ic.cz/wsc.html
We also see Francois Migault was entered at Le Mans in a Huron 4A (with no assigned co-driver) that year but, again, no appearance.
No wonder Camel pulled out of European motorsport sponsorship for so long...
Edited by MCS, 23 April 2010 - 08:29.


text:
Open Source Business Model Is Brokenlast updated in Categories Devils Advocate, GNU/Open source, Linux, News
The open-source business model that relies solely on support and service revenue streams is failing to meet the expectations of investors. For anyone who hasn't been paying attention to the software industry lately, I have some bad news. The open-source business model is broken.
Companies have long hoped to make money from this freely available software by charging customers for support and add-on features. Some have succeeded. Many others have failed or will falter, and their ranks may swell as the economy worsens.


text:
Peek, the company, first made its claim to fame with the Peek, the e-mail-only handheld. The simplicity of the device was meant to appeal to consumers who didn't want the complexity and monthly costs of owning a smartphone but still wanted to send and receive e-mail. We certainly understand the idea, and we also liked the design of the Peek, but we could not get behind the monthly cost of such a simple gadget. Peek later came out with the Peek Pronto, which added more features like five e-mail accounts, support for Microsoft Exchange, and most importantly, the ability to send and receive text messages. This sat much better with us, especially when they lowered the monthly cost to around $17 a month.
Now it seems that Peek has returned to its single-purpose philosophy with what might be the only gadget of its kind, the Twitter Peek. That's right, the Twitter Peek only does Twitter, and nothing else. Twitter is, as many might know, a microblogging site that is currently the darling of the social Web. Right now you can use Twitter on the site itself, via text message, plus a variety of desktop and mobile applications. You can use Twitter with any Internet-enabled computer, or just about any mobile handset with a messaging or data plan.
So we'll admit it: we think the idea of a single-purpose device for Twitter is a little silly. But we were open to the idea that maybe there's someone somewhere who honestly just wants a Twitter-only handheld. Maybe he or she doesn't like the idea of a monthly data and messaging plan, but still wants constant mobile access to Twitter.
Unfortunately, the Twitter Peek is not the right solution for that, either. We found it terribly inefficient and inadequate, with an interface that is ill equipped to handle the volume and complexity of Twitter. To add insult to injury, the Twitter Peek is $99 with six months of free service and $7.95 a month thereafter. If you don't want monthly service charges, you can pay a whopping $199 for it up front. Sure, you might pay more for a cell phone or a smartphone over time, but that's because they do so much more than just one thing.
The Twitter Peek's design is exactly like that of the Peek and the Peek Pronto, so don't be surprised if you get a bit of déjà vu here. Measuring 4.02 inches long by 2.7 inches wide by 0.42 inch thick, the Twitter Peek is wide and slim, with a soft-touch front and a silver metal backing. Its trim blocky aesthetic makes it look more like a fancy calculator than a BlackBerry.
On the front is a 2.5-inch diagonal QVGA display, which is large enough to show eight tweets in a list. Along the top of the display are the Twitter logo, and icons that show signal strength, battery life, the date and time information, a blue bird icon, and the name of the screen you're on. You can adjust the font to normal or bold and set the backlight time. The text is clear and legible. At the top left of the display is a small envelope icon that flashes blue whenever you get incoming tweets.
Underneath the display is the same roomy QWERTY keyboard as found on the previous Peek handhelds. The keys are all raised above the surface and are easy to press. We like the dedicated number keys, as well as the dedicated @ key. There's a jog dial on the right spine that you can use to scroll through lists. You can also press it to select individual tweets, or to navigate through a pop-up menu. The back button is next to the jog dial, while the power button is on top of the device. The charger jack is on the left side.
To set up your Twitter account, simply enter in your Twitter username, password, and e-mail address when you turn on the device. If you want to change the Twitter username, you have to reset the device completely before you can do so, as you can't have more than one Twitter account active on the device. After you fill in your account details, it'll take a minute or so before new tweets start to populate the home screen.


text:
Made in China
FOR AGES 3 AND UP ONLY - WARNING! Choking Hazard. Small Parts. Not For Children Under 3 Years.
Please Note: Adult supervision required. All Melissa & Doug products are carefully crafted using non-toxic coatings and meet or exceed all U.S. toy testing standards. For any concerns, contact Melissa & Doug customer service at 1-800-284-3948.


text:
I posted an answer to a question that links to another detailed answer. I've seen that such answers usually get up-voted. However a moderator has deleted my answer and locked the post stating that "Answers that point to just links are not good answers".
I am a new user so I cannot comment on other members' posts. What should I do in such a situation? Should I just wait to get the needed reputation to add the link to an existing answer as a comment? Or just copy the in-my-opinion-better answer that was posted somewhere else and add it? Or is there something else I should know about, like flag or merge request?
I've read several faqs and posts also on the meta about the subject, and couldn't get a definitive answer.
The post in question is here: https://stackoverflow.com/q/8251246/719656


text:
Little Richard
Name at birth: Richard Wayne Penniman
Along with Elvis Presley, Little Richard helped define the wild side of early rock and roll with sexualized songs and outrageous behavior on stage. Little Richard Penniman grew up singing gospel and blues and began recording in the early 1950s. "Tutti Frutti" (1955), with its opening line, "A-wop-bom-aloo-mop-a-lop-bam-boom," became his first big hit and remains his signature tune. The song is Little Richard in a nutshell: runaway piano, exuberant screams, bawdy innuendo and a stylized preciousness. He followed with a string of hits, including "Slippin' and Slidin'," "Long Tall Sally," and "Good Golly Miss Molly." He also established the flamboyant Little Richard look, with slick curls and an extra-thin mustache. He abruptly quit the music business in 1957 and attended Bible college, but returned to rock after releasing The King of Gospel Singers (1962, produced by Quincy Jones). During the 1970s his career waned, but he made a comeback in the 1980s, with the song "Great Gosh A Mighty" and appearances in TV commercials and children's shows (including Jim Henson's The Muppets). His new career included children's music ("Itsy Bitsy Spider") and duets with Bono and U2, Elton John and others.
Pat Boone's version of "Tutti-Frutti" was released shortly after Little Richard's and charted slightly higher.
Copyright © 1998-2017 by Who2?, LLC. All rights reserved.


text:
Players to watch out for & Selection Highlights:
Hamid Hassan - Back in action playing for Afgunistan
Brad Hogg - Finally gets selected. He better play over the incredibly dire Xavier Doherty who averages 43 with the ball in T20s and has just 1 wicket in 5 T20I games.
Mitchell Starc - Finished up on top of the wickets pile in the recent Friends Life T20. Should be a no-brainer for selection but Australia seem to have other plans going by their recent selection against Pakistan.
Yuvraj Singh - Should hopefully be back in good shape, but we'll have to see how he goes in the warm up games first. India are going to need his bowling unless we go with a bowling lineup of Pathan, Ashwin, Harbhajan, Zaheer, Balaji.
Luke Wright - Sussex gun who's just scored two tons in succession in LA cricket. Hope he gets a couple of games.
Saeed Ajmal - Unplayable ****. Pakistan have depended heavily on him in all formats and will continue to do so.
Mohammad Sami - Shouldn't be playing. Rob Cribb and 567 others like this
Roni Hira - Who the ****? 1 FC wicket in 4 games, but has decent T20 stats. Probably won't make the playing XI anyways. He's also denied Jeets of a spot in the squad, WAG.
Farhaan Behardien - The only new name in a South African squad that pretty much picks itself.
Akila Dananjaya - Probably the most oddest selection in recent times. At just 18, he's untried and untested, yet he's been picked for a World Cup based simply on Jayawardene's impression of him in the nets. Said to possess all sorts of variations according to his Cricinfo profile.
Sunil Narine - Excellent limited overs bowler, no reason to suggest he won't do well in Sri Lanka. Tipping him to dominate the bowling charts alongside Ajmal.
Chris Gayle - Pretty much the best batsmen in this form of the game. Only Kevin Pietersen and Mike Hussey come close imo.
India, Sri Lanka and Pakistan to dominate imo. WIndies might do better than expected.


text:
For the past few weeks in my sermons at Unity Church, I have been meditating on parts of our weekly unison affirmation. This past Sunday I spoke to the kids about the phrase "so that we and our children may be fulfilled." First I asked what it means to be "fulfilled." They came up with answers like being happy, joyful, sharing, giving and whole. We have great kids at Unity Church. We agreed it means all of those things, plus feeling like you are being all you can be.
For the past few weeks in my sermons at Unity Church, I have been meditating on parts of our weekly unison affirmation. This past Sunday I spoke to the kids about the phrase "so that we and our children may be fulfilled." First I asked what it means to be "fulfilled." They came up with answers like being happy, joyful, sharing, giving and whole. We have great kids at Unity Church. We agreed it means all of those things, plus feeling like you are being all you can be.
Then I asked if every person, of every age, finds fulfillment in the same way. I kind of expected them to say "no," but the wise children of our congregation said "yes." How? Well, we worked our way through the affirmation, asking what it tells us about how to make a church where everyone feels like they are being all they can be.
We started with the words "we pledge," which the kids said means to promise something. We talked about how making promises and keeping them helps us be fulfilled because it helps us become better people. When other people make promises to us, that helps us feel safe and that leads to fulfillment as well.
The whole first phrase is, "We pledge to walk together in the ways of truth and affection." To be honest, I kind of lost the kids here because of preaching to them rather than talking with them. Our affirmation tells us we find fulfillment by speaking the truth as we see it. However, it's not enough just to walk around saying what we think is true, because our ways have to be both true and affectionate. If we want everyone to be fulfilled, then everyone needs to speak his or her truth in loving ways.
The next phrase is, "As best we know them now or may learn them in days to come." We learn better truths by listening with an open mind, and are willing to change our ideas. I asked the kids if they had ever tried to say something when the other person was not really listening. Yes, they had. "So was that fulfilling?" No, it was not.
Then I asked if they had ever had somebody really listen to them, and maybe even change their ideas because of what they said. The kids said yes, and that this was fulfilling. Indeed! So fulfillment means not just speaking our truths in loving ways, it also means listening to one another with open minds and kind hearts.
Our affirmation concludes, "That we and our children may be fulfilled, and that we make speak to the world in words and actions of peace and goodwill."
The last piece of wisdom in our covenant is that when we keep speaking truth in love, listening in friendship, learning and growing together, we fill up with feelings of peace and goodwill that spill over into our community. For instance, the food drive the kids are doing for the local pantry is an action of peace and goodwill.
Taking the good we build here together and sharing it with others in our town and neighborhoods is really fulfilling. It fulfills the promise we each carry inside us and the promise our church gives us. We agreed that this is a wonderful thing to do. To underscore this message, we had a very Unitarian ritual called the Flower Communion.
Norbert Capek created this ritual for his Czechoslovakian Unitarian church during the Nazi occupation. He used it to symbolize the rich gifts people brought there, and the rich gifts they took away. Each person brings a flower to create a big display, then during the service each person comes up and chooses a different flower to take home.
For the meditation after our Flower Communion this past Sunday I started with from the poem, "I Tell You" by Susan Glassmeyer. In one part, she talks about days when there are too many flowers for the vases to hold. You know those days —- when things come together just as you thought they were falling apart.
These are the days when people treat each other gently and reverently even when someone is snarky, even if it is you. They are days when you can take criticism with a grain of salt, but receive praise and positive feedback with a thankful, open hand.
These are the days when exactly the right thought word or action occurs to you at exactly the right moment, and you think it, or say it, or do it — then witness something opening up inside you, or in another person, or in the garden spaces between you, so that compassion flows in and floundering relationships flourish.
These are the days when new people come into your life, and you watch them unfolding, blooming into treasures you can hold forever in your heart. They are the days when illness does not diminish those we love, and death does not defeat those who loved the deceased. These are the days when people take the lead of adversity and, in the alchemical places of their hearts, transform that lead into the gold of wisdom, courage, strength, and kindness.
Days of too many flowers are the days when we come together in our beloved church and share the heartbreaking difficulty and the heartbreaking joy of this life. They are the days when we watch each other and our children unfold and bloom into our full potential, including service to one another and the larger world.
May this be a day of too many flowers for all of us. In the coming weeks and months, may such days grow in number and frequency. May we find fulfillment in the hours of our working, and our resting, of our going out and our coming in. May we rejoice in the abundance of days of too many flowers.
The Rev. Tess Baumberger, PhD, is minister at Unity Church of North Easton, Mass. For more information and links to this and other Unitarian Universalist churches, please visit www.uua.org. She can be reached at email@example.com.


text: Tennis was underway for 90 minutes today before the rain came. In Flushing right now, mini-Zambonis and ballboys with towels are drying the courts. This not the preferred method. Here is video of how they did it at the 1969 Open when they played on grass in Forest Hills. USTA: If you can't build us a roof, bring us more helicopters.


text:
b(ar) a(in't) r(ecursive) is a lightweight bar based on XCB. It provides foreground/background color switching along with text alignment and colored under/overlining of text, full utf8 support and reduced memory footprint. Nothing less and nothing more.
bar-aint-recursiveAUR is available in the AUR and can be installed manually or through the use of a AUR helper of your choice.
Configuration of bar is done at compile time in the file
config.h. An example
config.h looks like this:
/* The height of the bar (in pixels) */ #define BAR_HEIGHT 16 /* The width of the bar. Set to -1 to fit screen */ #define BAR_WIDTH -1 /* Offset from the left. Set to 0 to have no effect */ #define BAR_OFFSET 0 /* Choose between an underline or an overline */ #define BAR_UNDERLINE 1 /* The thickness of the underline (in pixels). Set to 0 to disable. */ #define BAR_UNDERLINE_HEIGHT 2 /* Default bar position, overwritten by '-b' switch */ #define BAR_BOTTOM 0 /* The fonts used for the bar, comma separated. Only the first 2 will be used. */ #define BAR_FONT "-*-terminus-medium-r-normal-*-14-*-*-*-c-*-*-1","fixed" /* Some fonts don't set the right width for some chars, pheex it */ #define BAR_FONT_FALLBACK_WIDTH 6 /* Define the opacity of the bar (requires a compositor such as compton) */ #define BAR_OPACITY 1.0 /* 0 is invisible, 1 is opaque */ /* Color palette */ #define BACKGROUND 0x151515 #define FOREGROUND 0xd0d0d0 #define COLOR0 0x151515 #define COLOR1 0xac4142 #define COLOR2 0x90a959 #define COLOR3 0xf4bf75 #define COLOR4 0x6a9fb5 #define COLOR5 0xaa759f #define COLOR6 0x75b5aa #define COLOR7 0xd0d0d0 #define COLOR8 0x505050 #define COLOR9 0xd28445 #define COLOR10 0x202020 #define COLOR11 0x303030 #define COLOR12 0xb0b0b0 #define COLOR13 0xe0e0e0 #define COLOR14 0x8f5536 #define COLOR15 0xf5f5f5
To change the config file, clone the git repository and write the
config.h. You can run
make in the directory to make a
config.h automatically from the
config.def.h text file. After you're done configuring recompile.
Use an overline instead of an underline
bar by default supports underlining text with a certain color, but it also supports overlining text instead. To make
bar overline the text replace the 1 with a 0 in the following line
/* Choose between an underline or an overline */ #define BAR_UNDERLINE 0
Change location of the bar
bar can be placed at the top or the bottom of the screen. It defaults to be on the top. To get
bar on the bottom, edit the following lines in
config.h or use the option -b at runtime.
/* Default bar position, overwritten by '-b' switch */ #define BAR_BOTTOM 1
Change the font
bar does not support image files per se, but it does support bitmap fonts that allows you to use a font with icons such as stlarch_fontAUR. To use such a font, install the font and edit
config.h accordingly. The below example shows how to change the bar font to use
/* The fonts used for the bar, comma separated. Only the first 2 will be used. */ #define BAR_FONT "-misc-stlarch-medium-*-normal-*-10-*-*-*-c-*-*-1","fixed"
bar supports the use of up to ten colors. These are defined at the bottom
config.h. The colors are defined in a hexadecimal format. The last six characters in each of the color lines define the color. For example would the following code change the 6th color(
COLOR6 to black(000000).
#define COLOR6 0x000000
bar prints no information on its own. To get any text into
bar you need to pipe text into it. The following example would write the text "Hello World" into your bar.
#!/bin/bash # Echo the text echo "Hello World"
If you want the text in
bar to update through a script, you need to add the
-p option.
bar uses the following commands to color the text, background or the under/overline.
|Uses the # color as the font's color
|Uses the # color as the background
|Uses the # color for under/overlining the text
Text alignment
bar also supports alignment of text. It uses the following commands to align the text
|Aligns the text to the left
|Aligns the text to the center
|Aligns the text to the right
The following example prints the date and time in the middle of the bar underlined by COLOR6, the font's color being COLOR1 and the background COLOR0 and changes the underline back to the backgrounds color afterwards. Run it with
/path/to/script/example.sh | bar -p
#!/usr/bin/bash # Define the clock Clock() { DATE=$(date "+%a %b %d, %T") echo -n "$DATE" } # Print the clock while true; do echo "\c\f1\b0\u6 $(Clock)\ur" sleep 1; done
Another example showing the battery percentage. To use this script you need to install acpi.
#!/usr/bin/bash #Define the battery Battery() { BATPERC=$(acpi --battery | awk -F, '{print $2}') echo "$BATPERC" } # Print the percentage while true; do echo "\r$(Battery)" sleep 1; done


text:
Welcome to the Your Store Forums forums.
We are a forum all about eCommerce and specializing in information for Yahoo! Store and Yahoo! Merchant Solutions store owners and operators. We have areas just for store owners to discuss any topics including eCommerce Platforms, fraud and much more.
You are currently viewing our boards as a guest which gives you limited access to view most discussions and access our other features. By joining our free community you will have access to post topics, communicate privately with other members (PM), respond to polls, upload content and access many other special features. Registration is fast, simple and absolutely free so please, join our community today!
If you have any problems with the registration process or your account login, please contact contact us.
|Members List
|Today's Posts
|Mark Forums Read
|Store Editor Please post general questions about using the Yahoo Store Editor, Variables, Product Wizard, Design Wizard and Graphic or Database Uploads
|Forum Tools
|Search this Forum
|New posts
|Hot thread with new posts
|No new posts
|Hot thread with no new posts
|Thread is closed


text:
Message Board
Naomi Kritzer Message Board
Talk about the novels, new and used books that Kritzer has written!
Author Kritzer's Book Reviews
Fires of the Faithful
Eliana is a dedicated music student at a conservatory. Her greatest dream is to become a member of an ensemble to perform in the prestigious Imperial Court. Although Eliana is caught up in her music and her studies, she cannot help but worry about how the famine that is ravaging the land is affecting her family at home. When she gets a new roommate, Mira, she begins to learn of the old religion. For the first time in her life, she begins to doubt the Fed...
Freedom's Gate
Bantam, July 2004, 6.99, 359 pp. ISBN 05535867434 The Macedonian Empire wanes after Alexander dies until Penelope, the founder of the Sisterhood of the Weavers, learned how to control the aeriika (djinn). The empire took back what it had lost. Most countries accepted that the Greeks were their overlords but the Danibeki fought for their freedom. As a result, the rivers Janarles and Oxus were dried up by the aeriika leaving the population to val...
Turning The Storm
Bantam, Jan 2003, 6.99, 384 pp. ISBN 0553585509 The perfume war fought between the mages of Verdiana and those of the Kingdom of Vesuvia devastated the lands leaving behind a desert. Out of this fiasco, the Fedeli force everyone to practice their religion while the Circle of Mages hones their skills for the next battle. The Fideli assault the conservatory where Eliana practiced the violin. She flees to the wasteland, where she eventually lea...


text:
- The Bear Tank Creed over at BBB is full of win. Seriously. I think my favorite line was "When in doubt, we shall kill the casters first, for they are squishy and taste good with ketchup."
- The 10's vs 25's listings and "strict" rankings has sparked a lively discussion over at TBJ, and will likely spawn a Blog Azeroth shared topic given the number of bloggers involved :) Beru posted her own stance of the issue of Progress-Ranking sites over at FWaL.
- A very interesting discussion on "What fight do you think was designed well?" by Kyth at StratFu. This was prompted by her previous post pointing out the types of limits imposed on fights that create the game's challenge.
- Keredria at ToL brought up an interesting point about a lack of healing assignments in her 10-man raids that I felt really struck true with my own ten-man experiences. For those that do use healing assignments (ahem, 25's), Upyursh recently asked how others handle them. It brought back some memories on the old 40-man raids when I or my husband used to have to do them... so glad I don't in 10's!
- Critter Killer Monkeys. Enough said. If, when done reading that, your heart is in need of mending (those poor, poor critters!), take a moment to check out Syll's recent encounter with a new druid in STV. Guiding baby druids, yay!
For my own part, let's just say I'm doing a rehash of my recent Yogg strat to go over the basics for non-hardmode, and it involves a rather upset tree. You'll see it up hopefully over the weekend.
Edit: I also updated a couple macros, including this one, specifically for focus-targeting CC in the ToC faction champions fight.
Cat Shred, Ravage, Mangle toggle with Tiger's Fury (plus Cyclone and Moonfire):
I bound this to my middle mouse button in all forms but bear.
/cast [mod:alt] Tiger's Fury
/cast [mod:shift,form:3] Shred; [nostealth,form:3] Mangle (Cat)(); [stealth] Ravage; [mod:shift] Moonfire; [harm] [target=focus,harm] [] Cyclone
/startattack [nostealth,harm]
Cat form:
- If in stealth, it will cast Ravage.
- Otherwise, on a normal click, it will cast Mangle. If you do not know Mangle (Cat)(), replace it with Claw.
- If shift-clicked, it will cast Shred.
- If alt-clicked, it will cast Tiger's Fury in combination with any of the above (stealthed will be Tiger's Fury + Ravage, nostealth would be Tiger's Fury + Shred).


text:
"The U.S. Department of Justice has opposed requests by Facebook, Google, Microsoft and other companies to publish the number of surveillance requests they receive from the National Security Agency and other agencies. Requests from five Internet companies, also including Yahoo and LinkedIn, would hurt the NSA's ability to conduct surveillance on "particular" Internet communications, the DOJ said in a brief filed with the U.S. Foreign Intelligence Surveillance Court on Monday. If Internet communications providers publish statistics about surveillance requests, that information could drive terrorists to other providers, the DOJ said.
"Releasing information that could induce adversaries to shift communications platforms in order to avoid surveillance would cause serious harm to the national security interests of the United States," DOJ lawyers wrote in the brief."


text:
shops & retail sector
Profiles and reviews of the best boutiques, bookshops, markets, web stores, wine merchants and more. Discover the retail sector in Andalusia to help you do your shopping in Almeria, Cadiz, Cordoba, Granada, Huelva, Jaen, Malaga and Seville.
Laura Gris | art & creative industries | 1 Comment
Lakshmi I. Aguirre | shops & retail sector | 1 Comment
recently added...
|Mundo Mums (Tertulia Andaluza)
Made in Sweden. Located a stones throw from the Mediterranean, this sweet shop in Malaga is a little different. Mundo Mums offers a wide range of Swedish sweets, apt for the lactose intolerant, with...
|Top 5 Online Bookstores (Tertulia Andaluza)
There's something wonderful about receiving a package in the post, whether you ordered it yourself or not! Here's a selection of our favourite websites for buying books online. If you can&...
|Amigos del Disco LP Record Shop - Cordoba (Cecilia Bogaard)
Music lovers are overcome by unadulterated vinyl joy as they enter Amigos del Disco in Cordoba. A vinyl record shop, with some cassettes and CD's too, you'll find a wide selection of 1960s...
|Bonnoir (Zoe Martín)
You are up against your biggest challenge to date. You are sorely tempted. If you step inside you'll never come out. As soon as your tastebuds have been sent into a cocoa frenzy, it is impossible to...


text:
The Battle Grounds
Forum Guidelines: Stick to them or perish
More Search Options
Welcome Guest
Log In
The Battle Grounds Forums
> Search Form
Search Keywords
Search by Keywords
Filter by Member Name (optional)
Enter a keyword or phrase to search by.
Advanced Usage Help
Match Exact Name
Search Options
Search Where
Refine Search
» All Forums
Battle Grounds 1
|-- News, Feedback and Support
3rd Party Development
|-- Mapping
|-- Modeling, Skinning & Sound
|-- Code Contibutions
|-- Media, Trailers, Videos
Leagues and Community Activities
|-- Links to Leagues and Tournaments
|---- North America Cup
|---- Battle Grounds United League
|---- Battle for the Colonies 2
|-- Clan Discussion
|-- Line Battles and Formation Battles
|---- Line Battle Championship
|---- Line and Formation Battle Mapping
|-- Battle Grounds 2 Facebook Page
Battle Grounds 2 Main
|-- NEW Battlegrounds 2 Site and Forum
|-- News & Announcements
|-- General Talk
|-- Support Center
|---- Client Support
|---- Server Support
|---- Old Support Forums
|-- Feedback/Suggestions
|-- Beta Testers
|---- Bug Reports
|------ Fixed Bugs
|------ Confirmed Bugs
|------ Can't/Won't Fix
Search in child forums if sub category is chosen?
Search posts from...
7 days ago and...
30 days ago and...
60 days ago and...
90 days ago and...
180 days ago and...
365 days ago and...
Any date
Sort results by...
Last Posting Date
Number of Replies
Poster Name
Forum Name
descending order
ascending order
Search Where
Search entire post
Search titles only
Result Type
Show results as topics
Show results as posts
Lo-Fi Version
Time is now: 29th February 2020 - 02:56 AM
Powered By
2.3.6 © 2020
IPS, Inc
Licensed to: Ben Banfield - The Battle Grounds


text:
Editorial: That 3,000-Lb Gorilla in the Garage
A version of this article appears in the September/October 2006 issue of Home Energy Magazine.
September 11, 2006
With high gasoline prices, one's attention naturally turns to that thirsty, 3,000-lb gorilla in the garage: the car. But how does gasoline consumption compare to the energy used inside an average home? Five years ago, the average home budgeted almost exactly the same amount of money for household energy use (that is, electricity and natural gas) and vehicle fuel. Last year, the average car consumed 590 gallons, which cost the average driver about $1,800. But the typical household has approximately two vehicles, so per-household consumption is roughly $3,600/year. In contrast, the bill for a home consuming 10,000 kWh/year and 1,000 therms/year is much less—about $1,700 annually. Today, rising costs of gasoline continue to outstrip cost rises for electricity and natural gas, so an everincreasing portion of a consumer's energy budget goes to fueling a car. It's worth paying attention to the efficiency of that (very) large appliance in your garage. You may be surprised.
To read complete online articles, you need to sign up for an Online Subscription.
Once an order has been placed there is an automatic $10 processing fee that will be deducted with any cancellation.
The Home Energy Online articles are for personal use only and may not be printed for distribution. For permission to reprint, please send an e-mail to email@example.com.


text:
The Student Conservation Association teamed up with American Express to bring over 400 volunteers to Van Cortlandt Park in the Bronx for Earth Day service.
Join us as we unite in service to our public lands!
Don't have a lot of time to set aside for service right now? No problem! SCA organizes single-day conservation service projects all over the country, all year long. Check here for weekend service events, alumni gatherings, training workshops, and more. Whether you're an alum who wants to stay connected, a prospective member looking to learn more, or simply a volunteer seeking opportunities to give back to your community, SCA has you covered. See what we're doing in your backyard and get involved!
Send me news and updates on protecting the great outdoors through conservation and service.


text:
408-354-4460 Text Friendly
465 North Santa Cruz Ave • Los Gatos, CA
The San Jose area's vacuum sales & repair, Miele appliance and air purifier store
At no point did John try to sell me on anything…whether the more expensive fix or a new machine. So not only was my vacuum repaired in about 5 minutes, I paid a very reasonable price AND met a really nice guy. We should all be so lucky.
Richard N., San Jose, CA
Yelp Review, 10/4/14
If you have a need to have your vacuum serviced or purchase a new one. This is your first and only stop. He did not oversell me anything – but educated me – that's what I want when I walk into a store.
Patricia K., San Jose, CA
Yelp Review, 10/4/14
Super knowledgeable and really nice too! Best place to go for vacuum and air purifier products. Ask for Jon and he'll take care of you!
Jason Morrison,San Jose, CA
Facebook Review
Showing all 7 results
465 North Santa Cruz AveLos Gatos, CA 95030Map Directions
Monday - Thursday 10am - 6pmFriday & Saturday 10am – 5pmSunday's & After Hours Available Call for appointment


text:
SeniorLAW Center has also created several special projects to address severe recurring legal crises facing our seniors today. Click here to learn more.
Your support of SeniorLAW Center helps to ensure that Pennsylvania's elders may age with dignity and safety, free from abuse and violence, in their homes and neighborhoods.
Copyright © 2000-2009 SeniorLAW Center, All Rights Reserved.


text:
Subtotal: ( items in your basket)
Save: £676.35
In stock-
Usually dispatched within 24 hours
Average connection time 25 secs
Average connection time 25 secs
The Shimano Ultegra series is "pro-proven" as it is a direct trickle down from our Dura Ace group. It stands for state-of-the-art technology, proven in pro races, the technology used in the new Ultegra 6800 series with 11 speed, newly designed brakes, new chain treatment etc.
Groupset includes:
Ultegra now has an 11-speed cassette with numerous gearing options to cover all situations. Leading edge design, materials and construction reduce weight, improve stiffness and enhance control.
Crankset(Bottom bracket is BSA threaded english standard)
With a unique four-arm spider and Hollowtech II construction putting strength just where it's needed, the FC-6800 chainset sets new standards for stiffness and low weight.
Dual Control STI Shifters
With Di2 technology shifting is easy and precise - just a light touch, as soft as a mouse click, is sufficient for the front or rear derailleur to instantaneously select the correct gear. The removal of traditional mechanical cables in favour of electrical wires eliminates poor shifting caused by contaminates, corrosion and stretching, and also provides effortless gear shifts.
Simply pressing tactile buttons allows effortless and comfortable shifting even when your hands are cold. The drop bar STI with shift buttons located in a near identical place to the positions you'd assume shifting using a mechanical Shimano STI. Brake lever pivot is positioned to be used with super SLR brake callipers, increased power providing excellent ergonomics when riding on the hoods.
Ultegra Rear Derailleur
With Di2 technology shifting is easy and precise - just a light touch, as soft as a mouse click, is sufficient for the front or rear derailleur to instantaneously select the correct gear.
Programmed automatic motion at the touch of a switch makes this derailleur quick, smooth and effortless to shift. The removal of traditional mechanical cables in favour of electrical wires not only eliminates poor shifting caused by contaminates, corrosion and stretching, but provides effortless gear shifts.
Ultegra Front Derailleur(BSA threaded english standard)
The Di2 front derailleur's operation is pioneering, smooth shifting is guaranteed thanks to a microchip communication link with the gear levers. What's more, shifting the rear derailleur automatically trims the front derailleur. The biggest difference you will notice is just how much quicker and effortlessly smoother shifting on the front chainrings is, even under load.
The difference in the effort and time to actuate the shift between mechanical and Di2 is truly staggering. The removal of traditional mechanical cables in favour of electrical wires not only eliminates poor shifting caused by contaminates, corrosion and stretching, but provides effortless gear shifts.
The front derailleur also trims automatically; the cage moves in response to the position of the rear derailleur on the cassette to ensure no chain rub and a quiet unobtrusive ride, enabling you to concentrate on the road ahead.
Ultegra Brake Set BR-6800
Long, fast descents demand confidence. Ultegra brakes deliver, with a new symmetrical dual pivot design and twin bearings reducing pivot friction and improving efficiency and controllability.
Cassette (please select version)
Rider-tuned means Ultegra works the way you want it. The new 11-speed cassettes are available in a range of sizes including a wide-range 11-28 option - one cassette to use all year round. Smooth, fast shifting guaranteed. The weight is 212g (11-23T).
Ultegra 11-speed Chain CN-6800
The new symmetrical Ultegra 11-speed chain offers low weight and high durability.
Can't find the spec you want? Contact our Customer Services team and we will do our best to source the exact spec you would like.
Please check the stock availability notice on your item when placing your order. This item is: In stock.
You will receive an email to confirm when your item has been sent.
You can also check the status of your order and individual items by accessing My Account details and following the prompts.
Please allow 10 working days from dispatch of your order before notifying us of any late deliveries.
It may be advisable to check with your neighbours to see if a parcel has been left with them, check any outhouses you might have where it may be left if it cannot fit through your letterbox and contact your local sorting office to see if the item has been returned to the depot as undelivered and awaiting collection.
Please see our returns policy.
2 Reviews
Where reviews refer to foods or cosmetic products, results may vary from person to person. Customer reviews are independent and do not represent the views of The Hut Group.
The gear group came in a big cart box whit out anyone prober packing and original boxes. I hope that all parts are there.
Great groupset, easy to use, easy to set up. Basically maintenance free once it is set. Crisp gear changes all round. How did I manage without this. Can the Dura Ace be 1000 pounds better than this. Doubtful I should think.


text:
The European Union's plans for tough new anti-smoking rules would break international trade rules, Malawi has told the World Trade Organization, signaling a potential legal challenge from the developing world.
Malawi, one of the world's poorest countries, is concerned that EU plans to make cigarettes less attractive to new smokers will hurt a sector which provides more than 60 percent of its foreign exchange earnings, according to a WTO survey in 2010.
"Malawi is deeply concerned that the EU's proposed Tobacco Products Directive (TPD) will significantly restrict trade, and is inconsistent with the EU's binding obligations under the TBT (technical barriers to trade) Agreement," the southern African country said in a statement posted on the WTO website on Friday.
It made the statement at a WTO committee meeting earlier this month, where it was one of nine countries – including Indonesia, Mexico, Cuba and the Philippines – to voice concerns about the EU's plans.
The EU policy proposals came after Australia, last December, enforced a ban on cigarette logos and required packets to be plain olive green with graphic health warnings.
To bring in the world's toughest rules on tobacco packaging, it had to win a court fight against cigarette makers British American Tobacco, Imperial Tobacco, Philip Morris and Japan Tobacco.
The Australian law was seen as a precedent for other countries considering a similar move, including India, Norway, South Korea and Canada. But it could still face an upset at the WTO, where Ukraine, Dominican Republic and Honduras have launched litigation in a bid to force Australia to overturn it.
Malawi has taken an interest as a third party observer in that case but it has never launched a WTO dispute in the 18 years since it joined. It did voice objections to a Canadian tobacco law in 2010, without taking legal action to stop it.
The EU's draft tobacco law, which aims to prevent young people from taking up smoking, was published in December, just weeks after Australia's rules came into force. It needs to be approved by EU governments and the European Parliament, which could take two years.
Malawi said it was not questioning the EU's right to protect health, but Brussels' plan broke the rules in four respects: by banning ingredients such as flavourings and additives, by imposing costly labeling requirements, by insisting on cuboid-shaped packaging with no lid or a fliptop lid and by banning "slim" cigarettes.
It said the EU needed to provide scientific evidence to show that its plans would reduce tobacco consumption and not just introduce barriers to trade.
It also cited WTO rules that require technical regulations "take account of the special development, financial and trade needs of developing country members" to avoid creating unnecessary trade obstacles for poorer countries.
"The onerous new obligations of the TPD will clearly create new, unnecessary obstacles to the tobacco exports of developing countries … (which) will disproportionately hit least-developed tobacco exporters such as Malawi," it said.


text:
There are three chaos in the Sonic game series and I already uploaded two of them, Dark chao, and Cheese chao. This lesson is going to show you "how to draw chao" Hero. Hero is probably the cutest out of them all because it looks like a little angel. These creatures have pudding like bodies and are incredibly identical to human babies. They have different personalities for each version, but one thing remains the same with them all, they are all cute, and they love playing with toys. Their creator was Professor Chao, and he only had a small role in Sonic Adventure 2. They are born when they hatch from eggs, and their diets consists of fruits that are found only in trees. If you want to find a chao egg, all you have to do is venture to Chao Gardens. The chao was originally designed to be neutral, and it was the players job to raise them to be either Dark Chao, or Hero Chao. No matter what version you choose to draw, the difficulty will remain the same, easy. I think I should shut up because it's time for you to learn "how to draw Chao", and design them to be either dark or hero. That does it for me today. I will be back another tomorrow with more lessons for all you inspiring artists out there. Peace out people, and keep those pencils in your hands until you fall asleep. Adios me amigos!
DragoArt members upload artwork and drawing tutorials! They are also allowed to leave comments on tutorials, profiles, etc. Many more features, as well; it's way better than just being a boring guest! Register Now!


text:
Listings tagged with 'Most effective Ice Chest Radio' (1)
Frio Ice Chest Critiques
While Igloo has been making metal water coolers considering the fact that 1947 their initially ice chest was not made readily available until 1960. If you have...
11684 total views, 0 today
Facebook Friends
1 day car insurance best insurance for new drivers best life insurance car insurance car insurance compare car insurance comparison car insurance quotes car insurance young drivers cheapest car insurance cheapest van insurance commercial van insurance compare car insurance compare van insurance daily car insurance day car insurance day insurance facebook com login gmail account sign in gmail com login gmail login screen gmail sign in accounts gmail login gmail sign in inbox gmail sign in login email inbox insurance for new drivers life cover life insurance uk mortgage broker netflix dvd sign in new driver insurance new drivers insurance outlook express email login outlook sign in hotmail paypal login usa paypal working capital log in sign in gmail account temp cover car insurance temporary car insurance uk van insurance van insurance compare van insurance comparison van insurance quote van insurance quotes young driver car insurance young driver insurance young drivers insurance
From the Blog
Hello world!
Welcome to WordPress. This is your first post. Edit or delete it, then start blogging!


text:
San Juan Hills High School baseball dugouts built by parent volunteers at a cost of about $20,000 were torn down and rebuilt by the Capistrano Unified School District for $92,400 after district officials realized the project did not meet state building codes.
Capistrano Superintendent Joe Farley said the parents who built the original dugouts late last year were erroneously told by a member of his staff that the project did not require state approval. The structures were cordoned off in April when officials determined they weren't built to code, after just a few months of use.
"The truth is someone from my staff gave them bad information, and because of that, we paid for the reconstruction," Farley said.
Randy Rowles, then the district's executive director of maintenance and operations, signed off on the project, Farley said. He has since left the district, although his departure wasn't related to this incident, Farley said. He was not disciplined because he made an honest mistake, Farley added.
The cost of the reconstruction – more than four times what parent volunteers paid – serves as a cautionary tale for parents and school districts wanting to quickly erect dugouts and other small projects on campuses, officials say.
"It's much better to spend the money upfront than risk being sued later," said Gilda Puente-Peters, principal of GPPA Architects in El Cerrito in the Bay Area, which specializes in building compliance issues.
Farley said San Juan Hills High's original dugout structures weren't built to state standards for earthquake safety. The wooden support beams weren't thick enough and the concrete foundation wasn't deep enough, he said.
"The official analysis is that it may not have sustained an earthquake," Farley said.
Also, the original dugouts and paths leading to them were too narrow for wheelchair access.
"You could have a coach or a team manager in a wheelchair," Farley said.
The Lake Forest company RSB Group demolished and reconstructed the dugouts at a cost of $92,400 earlier this year. The money came from Community Facilities District 98-2, a school district-controlled entity that collects special property taxes from area homeowners to fund school construction and renovation projects.
San Juan Hills baseball parents who raised the original $20,000 for the dugouts declined to comment for this article, and baseball coach Jeremy Wooten did not respond to a request for comment.
School districts are required to submit to the Division of the State Architect the blueprints for any construction project that will be occupied, to ensure compliance with wheelchair-access laws, said Ken Hunt, a department spokesman.
For projects 250 square feet and larger, the project also must be reviewed by the state for its structural integrity – in other words, whether it conforms to all state construction laws.
Farley said the rules led to some confusion in the district's facilities department. Because the original San Juan Hills dugouts were less than 250 square feet Knowles mistakenly assumed they also did not require state review for wheelchair access.
In fact the district should have sought approval on the issue because students were to occupy the dugouts, the state said.
The rebuilt dugouts – one on each side of the school's baseball diamond – are 268 square feet each, slightly larger than the original structures.
Only a limited number of school construction projects that will not be occupied are exempt from all state reviews, Hunt said, including flag poles, retaining walls and other walls, free-standing signs, scrolling message boards, scoreboards and fences.
Puente-Peters said it was not uncommon for construction costs to soar when the builder is required to comply with state building codes. Also, the original San Juan Hills project was built by parent volunteers, saving tremendously on labor costs.
Construction mistakes commonly made by school districts include building ramps at too steep an angle and erecting signs without such elements as proper Braille signage, Puente-Peters said.
Contact the writer: email@example.com


text:
Jennifer Garner With Samuel in New Orleans
Jen and Samuel Hang in NOLA as Ben Preps to Costar With Kristen
Jen and Samuel Hang in NOLA as Ben Preps to Costar With Kristen
Jennifer Garner grabbed coffee with her youngest, Samuel, today in New Orleans while Ben Affleck carried Seraphina to breakfast at the Brentwood County Mart at home in LA. Ben was also spotted taking his German Shepherd for a walk around the area yesterday. Ben has been on both dog and dad duty recently as Jen splits her time between LA and New Orleans, where she is currently filming The Dallas Buyer's Club with Matthew McConaughey. She has had the company of their youngest, Samuel, on set though. Yesterday, Jen took Sam on a walk around NOLA, while Ben stuck to his morning routine with Seraphina back at home.
Ben has also been making news for his latest movie, Focus. Yesterday, Kristen Stewart confirmed that she has signed on as his costar for the highly anticipated new comedy.


text:
Mathworks accepting applications for 2014 summer math programs
Posted by Jayme Blaschke
University News Service
January 13, 2014
Mathworks at Texas State University is now accepting applications for its 2014 summer math programs. Students may apply now online at www.txstate.edu/mathworks.
Texas State's acclaimed math programs engage students of all backgrounds to learn mathematics by doing mathematics. The programs include the Junior Summer Math Camps (JSMC) and the Honors Summer Math Camp (HSMC). Students develop their critical and creative thinking abilities by exploring ideas, discovering numerical properties and sharing their work with others. Mathworks encourages all students to apply as early as possible to be considered for a need-based camp scholarship. Program descriptions are listed below.
Half-day JSMC in San Marcos, June 9-20
This program for 4th-8th grade students is conducted in partnership with San Marcos CISD, and will be held at San Marcos High School. This two-week day camp introduces students to algebraic concepts through hands-on activities and guided discovery learning. Levels 1-5 will be offered at the San Marcos location. All interested SMCSID students are encouraged to apply now to be considered for a camp scholarship. More information about this program is available at www.txstate.edu/mathworks/camps/half-day-jsmc.html.
Half-day JSMC in Round Rock, June 9-20
In its second year, this program is held on the Texas State Round Rock campus to serve the Austin community. Levels 1-4 of the half-day program will be offered at the Round Rock location. More information about this program is available at www.txstate.edu/mathworks/camps/half-day-jsmc.html.
Residential JSMC at Texas State, June 8-June 21
This residential program gives select 6th-8th grade students the opportunity to live on the Texas State campus for two entire weeks. The residential JSMC provides higher-level challenges, from advanced word problems to probability to geometry. As part of the program, Mathworks trains a team of four students to compete in the international Primary Math World Contest (PMWC) in Hong Kong in July. In the summer of 2013, the Mathworks team won first place overall in the PWMC, besting more than 40 other teams from across the world. More information about the residential JSMC is available at www.txstate.edu/mathworks/camps/residential-jsmc.html.
HSMC at Texas State, June 22-August 2
In its 25th year, the flagship HSMC program recruits 60 high school students from across the state and nation for an immersive and in-depth experience in doing mathematical proofs. Students develop their reasoning and logic skills, and nurture their teamwork and collaboration abilities. The program inspires, nurtures, and motivates students to pursue future degrees and careers in the STEM fields. Returning students in the program have the opportunity to conduct original math and science research under the mentorship of university faculty. The research conducted in this program has garnered national recognition for the university, including in the Siemens Competition. Texas State has helped to produce the most Siemens Competition regional finalists in the entire state of Texas. More information about this program is available at www.txstate.edu/mathworks/camps/hsmc.html.
In 2013, Mathworks launched an entrepreneurship component within the HSMC program, with the help of McCoy College professor Jim Bell. Students had the opportunity to pitch their business ideas to local business leaders, including Ingram ReadyMix President Earl Ingram.
"The HSMC at Texas State University is a learning environment that surpasses any precollege program that I have ever seen," Ingram said. "Mathworks is a true win-win for young students and Texas State University."
Support for Mathworks programs comes from foundations, corporations, alumni, and other visionary individuals. The Kodosky Foundation and KLE Foundation have pledged match challenges for the Mathworks endowment, which helps to support program scholarships.
For more information about the Mathworks summer math programs, contact the office at (512) 245-3439 or at email@example.com. Students may apply for the programs online at www.txstate.edu/mathworks/camps/applications.


text:
Music during the 1980s spanned many genres including pop, hard rock and techno. Infamous pop musicians such as Michael Jackson, Prince and Madonna dominated the charts in the '80s, and hard rock brought popularity to bands like Guns N' Roses and Mötley Crüe. New Wave music was born in the 1980s and featured a combination of pop, experimental, punk, glam and more genres to create a distinct sound aided by the rise of MTV, allowing music lovers to visualize the songs.
Instantly print and play sheet music born in the '80s or sync your digital sheet music to our FREE apps for iOS, Android or desktop and interact with your sheet music anywhere with in-app transposition, text & highlighter markup, adjustable audio/video playback and so much more.
|Artist or Show
|Make a Move on Me
|Olivia Newton-John
|Audition Cut - Short
|Make a Move on Me
|Olivia Newton-John
|Audition Cut - Long


text:
Home > International Baccalaureate > Business Studies
Business Studies
- Sort by
- Mark
- Question
- Year
- Words
- Date submitted
Home > International Baccalaureate > Business Studies
Registering is fast
and easy
Welcome back
Essayzone.co.uk is an online database of UK student essays.
Here you can buy example essays, assignments, coursework, papers, and dissertations to help guide and support your studies.
All work is carefully checked for quality. We only accept the best academic work that has been written by UK college and university students.
Work can be downloaded instantly after payment or within 2 business days following essay submission.
We are a UK web site located near the University of Manchester.
We're friendly and helpful too, so if you have any questions please do ask...


text:
CSKA boss Slutsky says side will attack Plzen
CSKA Moscow coach Leonid Slutsky insists his side will attack against Viktoria Plzen on Tuesday.
A draw is all the Russian outfit need to clinch the UEFA Europa League spot from Group D in the UEFA Champions League.
Viktoria Plzen boss Pavel Vrba expects Slutsky's men to defend their advantage, having won the previous group match between the teams 3-2.
But Slutsky said it was too slim a lead to protect, with a 1-0 win all the Czech side need at the Doosan Arena.
"Regardless of what is expected from us, we are not going to give our opponents the initiative and just defend a one-goal advantage – it is not that big," Slutsky said.
"We know very well that Plzen have a squad full of quality footballers and they are capable of dangerous attacking play.
"In the Czech league they usually have about 60 per cent of possession. We want to be proactive straight from the kick-off."
But Vrba believes CSKA Moscow will look to play on the counter-attack and said it was crucial his team scored first.
"I expect that CSKA will come out with the home result in mind and focus on watchful defence in a tactical line-up like they used against Bayern and Manchester City, relying on fast counter-attacks," he said.
"We have to avoid conceding the opening goal and pay attention to the exceptionally fast-footed CSKA players. This will be key to our success."
The 3-2 loss in St Petersburg in October remains fresh in Vrba's mind and he wants his team to avoid making the same mistakes.
"(Ahmed) Musa, (Alan) Dzagoev and (Keisuke) Honda are CSKA's most dangerous players going forward," Vrba said.
"In the first game in Saint Petersburg we conceded after bad passes in our attacking half, which our opponents used to set up effective counters. We paid dearly for our mistakes."


text:
TWITTER: @GeorgeRichards
What may have been Radek Dvorak's final NHL game in South Florida didn't last long. Roberto Luongo's night ended early as well.
Dvorak, a rookie on Florida's Stanley Cup Finals team in 1996, was ejected from Carolina's 3-0 win over the Panthers after colliding with Luongo in the first period. Luongo remained in the game after the hit, one that looked more accidental than anything else, but didn't return for the second period.
Florida goalie coach Robb Tallas said during the second intermission that Luongo took a hard hit and was pulled purely for precautionary measures. Tallas added that he expected Luongo -- who suffered from a sore neck -- to play Saturday against visiting Montreal.
"They held him out for precautionary reasons,'' coach Peter Horachek said. "I'll have a report on Friday.''
Thursday's collision was one for the Panthers record books.
Dvorak had been Florida's all-time leader in games played after two stints with the Panthers before being passed by Stephen Weiss in 2012. Luongo is Florida's all-time leader in games played by a goalie yet the two have never been teammates with the Panthers -- although they have trained together in Coral Springs during the offseason.
Dvorak, who made the Hurricanes after a training camp tryout, rolled Luongo as he and Erik Gudbranson jockeyed for position driving toward the net. With Luongo on the ground, Gudbranson pounced and both teams ended up conversing in the crease.
Gudbranson was given two minutes for roughing but Dvorak was slapped with a five minute major and the automatic ejection that comes with a game misconduct.
"It was not intentional, I tried to stop,'' Dvorak said afterward. "That's not my game. I would never try and hurt the goalie. I got pushed a little and tried to hold up. I kind of felt bad. I never want to hurt anyone out there. It just happened.''
Carolina, which swept the season series for the first time, took a 1-0 lead when Jiri Tlusty froze Brian Campbell and Luongo and scored midway through the first.
Tlusty welcomed Dan Ellis to the Florida ice for the first time since joining the Panthers as the backup gave up his first goal 2:30 into the second as his defense broke down again in front.
Jeff Skinner made it 3-0 by poking a shot past Quinton Howden as Ellis was down on the ice 5:46 into the period.
Florida had numerous chances to get on the board in the second but Anton Khudobin (35 saves) made a number of great stops to keep the Panthers scoreless.
"It's never a fun situation knowing something is up with your [goaltending] partner,'' said Ellis, who stopped 18 of 20 shots. "That's the job and you have to be ready when they call you.''
Defenseman Tom Gilbert had sports hernia surgery in Philadelphia on Thursday morning and will miss the rest of the season.
Gilbert, a pending free agent, played through the pain of what he reportedly thought was a hip injury.
"He's been dealing with it for a while,'' Horachek said.
"He's been playing through it, taking therapy and medicine trying to keep it under wraps. It got to a point where something needed to be done. He had the appointment and now the surgery.''


text: Create beautifully dotted backgrounds with this Textured Impressions Embossing Folder.It's easy to make a great impression! Just place flat cardstock in this embossing folder, run it through the Big Shot, and out comes cardstock with a bold textured design. * 1 folder * 6" x 6" (15.2 x 15.2 cm) * Use with Big Shot


text:
Your shopping cart is empty!
13 yards 7/8" Christmas Tree Santa Deer Blue Printed Grosgrain Ribbon
Amazing Collection!!!
This high quality ribbon is excellent for hair bows and hair accessories, key chains, brooches, sports, party decor, pacifier clip holders, embellishments, scrap booking and other craft projects!
Pick up the ribbon today, and you will be amazed at the way it add beauty to your designs.


text:
BAKERU | Transforming Spirits
October 19, 2019 @ 10:00 am - 8:00 pm
An event every week that begins at 10:00 am on Monday, Tuesday, Wednesday, Thursday, Friday and Saturday, repeating until October 20, 2019
An event every week that begins at 10:00 am on Sunday, repeating until October 20, 2019
This free exhibition invites visitors to step into the supernatural world of Japanese folk traditions from the northern region of Tohoku, Japan, using large-scale interactive projections with motion capture technology.
Guests will bakeru (transform) into projected characters wearing special masks and participate in several festival scenes reimagined and created by WOW, a preeminent Japanese creative art and visual design studio. Click here to read more.
Tickets are not required. Exhibit is complimentary and open to public. Gallery hours Monday – Saturday: 10:00 AM – 8:00 PM, Sunday: 10:00 AM – 7:00 PM. If you would like to sign up for our newsletter, please proceed to checkout.
At the exhibition on display starting July 17 through October 6,
Deer Dance: Fantastic Folk Traditions from Japan
Wednesday, July 17
7:00 PM – 8:30 PM | Complimentary
JAPAN HOUSE Salon | Level 5


text:
We supply the rush order,if you need the dress urgent,you can contact us before you make order.
If you do need the dress urgent,you can buy it here:http://www.luulla.com/product/774558/rush-order-in-10-days
This dress could be custom made, there are no extra cost to do custom size and color.
Height: _______
Bust: _______
Waist: _______
Hips: _______
Shoulder to shoulder: _______
Shoulder to ground: _______
2 If you are unable to measure your custom size, please choose your size from our standard size chart.
3 Rush Order: Available (please contact us)
Processing time: 10-12 business days
Shipping Time: 3-5 business days
The total time for receive your dress after placing the order is 2-3 week.
This item is ready to ship in 3 weeks. Item ships worldwide from China. Estimated shipping time to China is approximately 6 business days.This item is ready to ship in 3 weeks. Item ships worldwide from China. Estimated shipping time to China is approximately about 25 days after you make the order.
1. Does the dress can be made in different colors?
Yes! we can make the dress in the color for you.
2. Can I rush the order?
Yes! If you want to receive the dress asap, we can do rush order for you for free.
3. Is the custom order available?
Yes! We can do custom dress for you both in size and color. And if you want to make a change for our original dress or order a dress which is not our lists, both of them are OK, just please send me conversation and tell me what you want.
4. What's the return policy?
Our customers can return/exchange the dresses for refund, if we send you wrong size/color/poor quality dresses.
We are unable to take the return if you personally feel the dress does not look on you, but there is no any problem on the dress!
5. IF you have any problem, please feel free to let me know and send me conversation.
Thank you for reading.
All package will ship with fast shipping method.
We can ship worldwide.
So you don't need worry about if you can ship to you country.
We cooperate with DHL, USPS, EMS and other shipping company.
So you can get your dresses with faster shipping.
Thanks :)
Order Cancellations
We understand that ordering a dress for your special occasion is an important undertaking, and our cancellation policy was created with this in mind. However, it is important to note that our dresses are made to order, and once the creation process has begun the materials cannot be reused. The good news is that after placing your order, there is still time to make up your mind. Please refer to our cancellation policy below for details.
Our Cancellations Policy
1.Orders canceled within 24 hours of payment confirmation will be eligible for a full refund.
2.Orders canceled 1-3 days after payment confirmation will be eligible for a partial refund consisting of the full shipping cost and 50% of the product purchase price.
3.Orders canceled after 3 days of payment confirmation will be eligible for a partial refund consisting of the full shipping cost.
4.Once your order has been shipped, it can no longer be cancelled
What kinds of condition can be returned?
For each dress is hand-made by my aunt, there will be at most a 5% difference between the product picture and the product you receive. ,if you request 100% same as the picture ,please don t make payment. We are sorry for it.The dresses are not quantity production but made to order.
1. If return problem is caused by us, we accept return and refund you in full. Please check the followings to know more:
If you received a damaged product, we accept return;
If the product you received is not the color you ordered, we accept return; (Color may vary by different monitors, so a little color deviation is normal.)
If the product you received is not the size you ordered, we accept return. (1-3 centimeters difference is normal, we do not accept return)
(1). Return request will not be accepted by personal preference.
(2). Custom sizes, custom style and custom color can not be returned, because it is custom made for u.
(1). You must contact us within 2 days (48 hours) from the reception of your dress(es). And you must ship it back with 7 days.Please state the problem of the received goods and the reason for the return.
(2). Item(s) must be returned in its original condition with no signs of wear, tear, or odors.
(3). Return shipping charges will be the buyer's responsibility. It is buyer's responsibility to pay for the shipping fee of sending back and exchange.
(4). Just quality problems or size mistake, we accept returning.
accept returning.
(5).The shipping method that we used for u then when u ship it back you must use the same one.if we ship the dress to you by DHL/UPS then you need to use this one too.
if you have any question please contact me freely !
Stylish Outfit started out as a small little design studio, by a few people that has strong background in making dresses. The initial concept for the studio was simple, to make a dress that fits the a..


text:
Your two favorite people were back in court today, with Shelly Sterling seeking an injunction against Donald Sterling, accusing him of threatening her lawyer and two doctors who had him declared mentally incapacitated. I know you're not sick of hearing Donald Sterling's voice on tape yet, so please enjoy, via the L.A. Times, his angry voicemail calling a doctor a tramp:
Highlights include "I'm not incompetent, you're incompetent, you stupid fucking doctor!" and "I'm more able to perform than you are!"
A second doctor also received a voicemail. Sample quote: "You're nothing but a fraud and a liar and a cheat and I'm gonna see that you lose your license and I'm suing you for conspiracy!"
Additionally, Shelly Sterling's attorney, Pierce O'Donnell, testified that during the conference call in which Donald Sterling was told of her intention to sell the team, Donald said "I am going to take you out, O'Donnell!" O'Donnell claimed he interpreted that as a death threat.
The judge denied Shelly Sterling's request for an injunction, telling both sides to chill the fuck out.


text:
Today, 5 February 2014, I will be attending the #Innovator Summit, the first step in the RootsTech 2014 marathon. It is time to get busy and write. I guess I should find some places to plug in my computer today so I can keep going. The main Exhibit floor doesn't open until tomorrow. The rooms look so large, finding a plug might be a challenge. If I have to, I will go to my backup computer.
Here come the reports. Stay tuned.


text:
Sometimes, it's what the teacher learns from his students, rather than the other way around.
I'll explain. I'm currently teaching an online course at Boston University about retirement. The students are working professionals from around the world, including Australia. Some are researchers, some financial advisers and some are working in the home office of big financial firms.
More often than not, I'm finding that I learn a thing or two about retirement that can be more than a little helpful to my readers. Here's an example: Four simple but essential steps to creating the complete retirement plan.
Getting the right mix of assets, products and withdrawal strategy
Advisers are increasingly using software programs such as MoneyGuidePro and Income Discovery rather than pencil, paper and calculator to build retirement-income plans. And with good reason. These and other sophisticated software programs are taking much of the guesswork out of retirement planning.
With Income Discovery, for instance, advisers such as Rick Fine of Sensible Financial Planning will enter information about your three main types of capital: human (your earnings from work), social (Social Security) and financial capital (your taxable and tax-deferred accounts) into the program. In addition, advisers will enter information about your current and future expenses.
Big tax bills can devastate your retirement savings. MarketWatch's Robert Powell and Andrea Coombes talk about strategies to employ before and during retirement to lower your taxes.
Check out the new
MarketWatch Retirement
RetireMentors: In-the-trenches advice
Ways to boost Social Security payout
Retire here, not there: California
10 things your 401(k) plan won't tell you
Fine also enters guidelines about what's called a maturity-matched portfolio, a portfolio typically made up of bonds—in many cases Treasury Inflation Protected Securities or TIPS—that mature to meet future expenses. (In other, words they are using bond ladders, a way to make sure that you are matching certain assets against certain future liabilities.)
Part of this exercise also involves assessing whether you are willing to purchase income annuities to make sure your future expenses are covered, as well as getting a handle on your tolerance for risk, expected rates of return and the like.
Add that all together and the software will figure out the optimal combination of annuities for you to buy, how much to invest in your maturity-matched portfolio, and a systematic withdrawal plan (SWP) that will lead to a successful outcome, said Fine.
According to Fine, the cash flows generated are for the least successful of all possible successful outcomes. What's more, the program also shows the failure rate, annuity purchases as percent of total assets, and maturity-matched portfolio as a percent of income.
For the maturity-matched portion of your portfolio, the Income Discovery program actually shows specific bond purchases right down to the individual CUSIP number of the security, the month and year of maturity, the number of bonds purchased, and total value, "so that we can actually implement the plan by requesting specific bonds through YieldQuest, or some similar company," Fine said.
Manish Malhotra, the brainchild behind Income Discovery and a MarketWatch RetireMentor, said the maturity-matched portfolio can be used to create a cash flow to match any type of expenses in retirement. "Its simplest use is to fill in for the cash flow that Social Security could have provided, if not deferred. By building a TIPS based ladder in such a case, one would be able to get the U.S. Government guaranteed cash flow for part of one's income, while still taking advantage of the higher Social Security benefit amount obtained on deferral of the claim.
Another use of the ladder, he said, is to provide cash flow to cover either all expenses or essential expenses if the investor is willing to reduce nonessential expenses under unfavorable market conditions. "The period of coverage would depend on the investor's age, risk attitude and current bond yields," he said. "A conservative investor may decide to lock in 10 to 15 years of expenses, while an investor with higher risk profile may lock in only three years of expenses. Low yields, like current yields, will further reduce the period length. "
Read "Bond Ladder—A Source of Certain Cash Flow," an article on Income Discovery's website which explains the bond ladder and its advantages over holding a bond-based mutual fund for generating the desired cash flow.
The lesson? Gone are the days when you can just wing it in retirement. Today, more than ever before, you have an opportunity to create the most optimized stream of income in retirement. Don't leave your precious hard-earned money on the table. Take advantage of the software available and the experts who get retirement-income planning.
Getting retirement expenses right
Getting a handle on what your expenses will be in retirement is a big part of getting your retirement-income plan right. But according to Fine that is sometimes harder than it sounds.
"We sometimes have difficulty obtaining a 'current' consumption budget from clients who do not track their expenses very well (or not at all)," he said. "Since we do consumption-based planning, we need to know what clients spend in a typical year. It's not so much that they don't want to give us the information, it is more that they are unable to account for a lot of their expenses, so whatever they give us will most likely be wildly off."
In some cases, Fine reports having to "back into" annual consumption spending. "Although not as accurate as we would like, we do this by asking them how much they earned last year, and how much they saved to various accounts," he said. "But if we have a base level knowledge of what came in and what was saved, we can form a rough estimate of what was spent."
In the main, however, Fine said, more people than he would have expected are able to account for a year's worth of spending. "Often, they do the brute force method of poring over their credit card and checking account statements, but they get it done," he said. "Others are more sophisticated, using Quicken or mint.com to track spending.
Whatever you do or don't do, the lesson here is clear: If you don't know what your expenses are or will be in retirement, how will you ever know how much income you'll need in retirement?
Maximize your income
Besides getting a handle on your expenses, you'll need to figure out ways to maximize and optimize your income in retirement. Now, the most common ways to do this are well known: You can, for instance, keep working, get another job at a higher salary, or ask your non-working spouse to re-enter the workforce.
But in some cases, if you have this option, consider buying a higher pension benefit while you are still employed. Public employees who have a defined benefit pension plan might have this option, for instance. "If you live long enough, it eventually pays off," said Fine.
Others agree. "I think purchasing pension credit is the best way—besides delaying Social Security until age 70—to immunize your income to cover fixed expenses if between Social Security and pension more lifetime income is needed," said Betty Meredith, the director of education and research for the International Foundation for Retirement Education.
According to Meredith, buying pension credit provides funds managed by the same level of professionals who manage insurance and mutual fund companies and an institutionally priced annuity with a savings of probably at least one-third since marketing costs are nonexistent which means more income in their pocket over time.
The lesson? In retirement, when every bit of income is precious, look for ways to create the most amount of income where and when possible.
Reaching an agreement
One of the big problems awaiting couples on the verge of or even in retirement is this: They seldom have talked about what they want to do in retirement, about their goals, travel plans, and the like. So to solve this problem, David Evensky of Evensky & Katz uses MoneyGuidePro (MGP), which is a goals-based capital needs analysis software.
"MGP is quite savvy in understanding human behavior and the problems advisers must deal with in truly assessing our client's objectives," Evensky said.
For instance, MGP has created some cards that advisers use with their clients. The cards have certain goals listed on them and pictures to help those who visualize concepts easier than hearing them. These cards have typical retirement goals such as travel, gifts/donations, college, home improvement, major purchase, and basic living expenses.
"We have each spouse take their cards and prioritize them," Evensky said. "We then help each one discuss together why they made a choice and what that means to them. Very often just having this conversation honestly and openly really speeds up or planning process and helps each adviser and team understand the goals and objectives most important."
"Maximizing returns is not always the priority," said Evensky.
Rather, he said the lesson is this: Giving people the peace of mind that they are on the path to what's most important to them in retirement and maximizing the probability that they will be able to realize these goals is the priority.
Robert Powell is editor of Retirement Weekly, published by MarketWatch. Learn more about Retirement Weekly here. Follow his tweets at RJPIII.


text:
Vroom, vroom! Get his motor running this Father's Day with a freewheelin' gift he'll never forget - a bold bouquet of alstroemeria, carnations and mums, hand-delivered in a '65 Ford Mustang convertible keepsake. Hand-painted in classic poppy red, this ceramic collectible is one-of-a-kind, just like Dad.
This bright bouquet features yellow alstroemeria, red miniature carnations, white button spray chrysanthemums, blue delphinium, blue sinuata statice, leatherleaf fern and sword fern. Delivered in a '65 Ford Mustang collectible keepsake.Approximately 12" W x 13 1/2" H
Orientation: All-Around
The Bouquet you selected can be upgraded by our expert florist.
this is the product detail upsell text
You May Also Like


text:
I'm still reeling with the WordCamp fun. It's a never ending party.
Dr. David Klein of BodyABCs brought a marvelous social networking idea to WordPress 2007. He took photographs of attendees holding a sketch pad with their name and blog URL, and a word that describes them or what they want to be. He then sent the information straight to the artist, Orie Roberts of La Jolla, California.
Dr. David Klein loves caricatures, those funny cartoons you often get at festivals and street fair, and he wanted to bring this bit of fun to the WordCamp party for all the of attendees he could get to participate so they would have a fun souvenir of the event. What a great idea.
The photograph of me is on So Are You Ready to See Lorelle, and the fabulous caricature is found at And the Winner of the First WordPress Oscars is…. It's perfect and wonderful!
Other brilliant WordPress WordCamp attendees' caricatures include (click their pictures to see the cartoon image "behind" the photograph):
- Matt Mullenweg
- Douglas Bell
- Andy Skelton
- Mark Riley
- Matt Cutts
- Stephanie Booth
- Jeremy Wright
- Lloyd Budd
- Donncha O'Caoimh
Thank you, Dr. David, you made us laugh and you keep us laughing as these wonderful images keep coming out.
Site Search Tags: wordcamp 2007, david klein, caricatures, cartoons, wordpress news
Subscribe Via Feedburner Subscribe by Email
Copyright Lorelle VanFossen, member of the 9Rules Network, and author of Blogging Tips, What Bloggers Won't Tell You About Blogging.


text:
Get ready for a cooler, dry pattern to settle into South Florida starting Wednesday.
This comes in the wake of a cold front that raced through the area overnight. While the morning may start out with some extra cloud cover, mostly sunny skies will rule this afternoon with highs in the middle to upper 70s.
Interactive Radar
Chilly temps will come in for the next few nights as lows dip back into the 50s, running about 10 degrees below normal.
Breezy conditions will dominate each afternoon starting Thursday and carry through the weekend with the increasing threat for rip currents at the beach.


text:
Cassiani Collection Favors brings you the very best in wholesale party favors for every special occasion!
We are a manufacturer and wholesaler of party favors and supplies. From wedding and bridal showers to baby showers, christenings and communion. Cassiani has a huge assortment of wholesale favors to cater to any taste and all occasions. Choose from a huge selection of traditional party favors to modern wedding gifts and favors in a wide variety of styles, themes and colors.
Feel free to come in and browse through our online wholesale store, or sign up for a vendor account today. Learn why we are fast becoming the #1 wholesale wedding and party favors supplier on the web today!
Cassiani Collection Favors offers high quality, popular designs in a full product range of wholesale wedding and baby favors such as candle favors, wine and bartop favors, coffee favors, place card holders, placecard frames, wedding bells and much, much more.
If you have any questions regarding our company or our services, or if you need more detailed information please contact us here.