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Selling your home is a big decision. You probably spent more than a couple years there, and your family will have created many memories and neighborhood friends. Maybe you expected to stay put but circumstances have changed, or maybe you always knew you'd move sooner or later. Either way, it's always a little unsettling to pack-up, pull up roots, allow potential buyers to scrutinize your home, and manage all the details of the transaction while still providing for your family financially and emotionally.
This list of frequently asked questions is intended to give you a starting place and make you feel a little more comfortable on the adventure you'll be undertaking. From there, see Selling your Home with a REALTOR® and personal advice from consumers.
There are several factors to consider when deciding whether to sell your home. There are times when you may need to sell, such as when your job location or lifestyle change, or you have serious money problems. You may have outgrown your current home or are now able to afford a better place and are ready to move up. When the economic forecast is good, you may want to sell and take advantage of the strong market. Additionally, if you have inherited a home, it wouldn't make sense to continue making payments if it will be empty.
Be certain! If you are not sure you want to sell, you won't but forth the required effort or negotiate in good faith. Beyond being a waste of time, in certain instances a buyer can force you to honor a signed contract even if you change your mind. Save yourself the trouble.
The basic influencing factors include location, appearance of house and neighborhood, size, condition, view, percentage of owners to renters in your neighborhood (owners tend to have a pride in ownership), and crime rate.
First, choose a REALTOR® and ask for a comparative market analysis. This will help you determine a fair asking price--high enough so you get what your home is worth and realistic enough so you interest buyers. Secondly, look into the current mortgage interest rates. It will affect what potential buyers can afford, and what you can afford if you move up.
Also, consider the time of year. The most popular time of year for families to move is in the summer, when children are out of school and the holidays are a long way off. Early spring is usually the best time to list and receive the maximum exposure. Fix up the overall appearance of your home, with an eye for the little, easy things like cobwebs in the corner. More on this below.
Ask about and understand what marketing steps he or she will take and when they will occur. Define your expectations of the transaction and communicate them. Disclose problems, keep your house in good condition and let the REALTOR® take the lead with buyers. Keep your house clean, the yard neat, and be ready at any time. Let your REALTOR® show the house, but if you are at home during a showing, look neat and stay inconspicuous. You probably have less experience, may make buyers uncomfortable, and may want to avoid hearing any negative comments buyers may have. Finally, you must allow inspections, fix anything necessary, and show up at the closing.
Start by taking a look from the street. This is the first impression potential buyers will get. Remember what you liked when you first saw the house. Have you improved on it or let anything go? Next, walk slowly through the interior. Eliminate odors, especially pet and smoke. Clean the windows and pull back the drapes to maximize light, bright rooms.
You have three basic options. You can wait until you sell your current home. With this option you risk losing the new home to another buyer, but you may find one later you like even more. Secondly, you may add a contingency clause to your offer, stating that you must sell your current house before closing on the new one. Third, if you are having trouble selling your current house, you may consider renting it out or refinancing it for cash to help you buy. The problems associated with this third option include finding and managing tenants, trying to sell the house with tenants, and closing costs and higher mortgage payments with a refinance.
Consider all of the following: price, terms, clauses, personal property requested, and the amount and who holds the earnest money.
You may offer to pay points, which will reduce the rate and interest on the loan. If the buyers have adequate income but are a little short on cash, you may pay the non-recurring closing costs at the settlement. Another option, which should never be taken without fully understanding the risks, is to hold a second mortgage for buyers who cannot qualify for the full amount.
The most obvious difference is the maintenance fees. You may want to remind buyers that maintenance fees can often work out to less money than single-family home maintenance costs because condo fees are shared by all owners.


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A Miami Beach boy is being hailed a hero after calling 911 while intruders were ransacking his house.
The boy was home alone, hiding in a closet – and at one point one intruder was in the same closet looking for valuables, according to the boy's mother.
But the intruder never noticed the 11-year-old boy, who was hunkered down, hiding behind the closet door.
The home invasion occurred Friday morning at his house at 32nd Street and Chase Avenue in Miami Beach.
The suspects shattered the glass on the front door. The boy heard the commotion, grabbed a phone and headed for the closet.
"Hi, yes I am in Miami Beach, Florida and someone is trying to break into my house, please hurry," he told a 911 operator.
The operator asked if he was there.
"Yes I am home, I am home alone, please hurry," he responded.
After calling 911, the boy phoned his mom, who was out exercising at the time. She called 911 while racing home.
"Yes please, can you dispatch the police to my house? I had a break-in and my son's in there!" she told an operator. The operator told her that police were already on the scene, and that her son had called already.
Officers arrived in enough time to arrest three suspects. Lance Riley, 20, Willie Cuyler, 20, and Terrance Young, 21, all face a charge of burglary, with Young also facing charges of third-degree grand theft and resisting an officer without violence, online Miami-Dade Corrections records said.
Young was being held on $18,500 bond, and Cuyler and Riley were each being held on $7,500 bond Friday night, the records said. It was not immediately known if the three men had attorneys.
Police said they are looking for a fourth suspect.
For his heroics, the boy earned a Miami Beach Police Department hat and pin delivered by the city's police chief.
The 11-year-old was too shaken to be interviewed.
"He's okay, he's just in there trying to do things to get his mind off of it," said his mother, who did not want to be identified.
"I'm so thankful he's alive and he wasn't harmed," she added.

subset: commoncrawl


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Amsterdam hosts Carrots since 2016. Now, after a short break, GGC meet-ups are coming back to town, so stay tuned Amsterdam!
Geek Girls Carrots meet-ups gather together people interested in new technologies and pursuing a career in IT. You are more than welcomed to join us, because our meet-ups are motivating, stimulating and free of charge! Events are divided into two parts: (1) presentations of our speakers and (2) networking. We select the best talents from IT and business sector to share their inspiring stories with us. By giving some useful tips & tricks of code in IT jungle, we all learn how to improve our careers and professional skills. Official part lasts one hour and then we have time for networking, because we believe that getting to know each other is crucial. Can't wait to see you around!Read more


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Solar Earrings- Peach Agate
Solar Earrings- Peach Agate
The ultimate statement earrings! Our Solar Earrings are big & bold, yet still incredibly lightweight. A balanced mix of shapes & materials gives these earrings a unique yet modern look, an 'objet d'art' for your ears. Our beautiful handcrafted, recycled plastic is framed beautifully by rings of gold or silver plated metal, & the inter-linking of different parts creates delicate movement.
All CURA earrings are hand made & feature qualities unique to each pair. This makes every pair one of a kind! Please read our guarantee to understand more.
- 100% recycled HDPE plastic in peach agate
- gold plated brass
- nickel & lead safe
- 11cm long, 4.5cm wide
Here are some easy care instructions to help look after your CURA Jewellery so you can wear them for many years to come:
- Store your jewellery in its box.
- Clean gently with a soft cloth.
- It is best not to sleep, shower or exercise whilst wearing your jewellery.
- Keep your jewellery away from abrasive surfaces that may scratch your jewellery.
- Avoid bringing your jewellery in contact with lotions, oil and perfume, as this can damage the plated elements of your jewellery. Wear your jewellery after applying these products.
Read more about our care tips for CURA jewellery here.
Woohoo! This item qualifies for free standard shipping in Switzerland!
Delivery for standard shipping in Switzerland is around 2-5 business days
International shipping from CH9.00.
Click here for more details on international shipping costs and delivery times.


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Matches · Apothecary Matchstick Bottle with Striker · 100 Long White Safety Matches
Our Banter & Bliss matches in a bottle are the perfect candle companion! Our apothecary matchstick bottle with striker contains 100 3" matchsticks with white tips. Easy to use strike on bottle design with cork closure. When finished, bottle can be refilled or repurposed.
Product Details
Each bottle contains 100 white tip safety matches with match striker on the bottom of the bottle. Cork closure.
Bottle Height: 5.25"
Bottle Diameter: 2.4375"
Candle Care & Safety
- Burn within sight.
- Keep away from things that catch fire.
- Keep away from children.
Burning Instructions: Center and trim wick to 1/4" before each lighting. Keep wax pool free of debris. Do not burn candle longer than 3-4 hours at a time. The container will be hot when the candle is lit. Allow jar to cool completely before handling. Discontinue use when 1/4" of wax is left. Failure to follow these instructions can result in personal injury and/or property damage.
Download a complete list of candle safety rules from the National Candle Association.
Shipping, Returns & Exchanges
Shipping Times
All orders ship from our studio shop in Los Angeles, CA. Most orders will ship between 1-3 business days after an order is placed. Some products are made to order and require more time. The majority of our orders ship via USPS and arrive within 1-3 business days. On occasion, we will ship larger orders via UPS or FedEx. Orders shipped via UPS/FedEx typically arrive within 1-5 business days. You will receive a shipping notification with tracking information once your items have left our studio.
Full-price items
We want you to be completely satisfied with our products and your purchases from our site! If there is any reason you are not totally satisfied with your online purchase, we're happy to offer a refund on unopened and unused, full-price items within 7 days of your delivery date. You may also exchange your product for another product of the same price and size within 7 days of delivery. Buyer is responsible for shipping costs on all returned and exchanged items.
Sale items
All sale products are final sale and are not eligible for returns or exchanges.
To process a return
Email firstname.lastname@example.com or call Customer Service at (626) 345-5838 (Monday-Sunday 8:30 AM-5:00 PM PST). Please have your order number ready (available on your original confirmation email from Banter & Bliss Candle Co. and the package slip enclosed in your shipment).
If any part or all of your order is damaged during shipment, please email firstname.lastname@example.com within 7 days of your delivery date. Please include your order number and a picture of the damage. A member of our Customer Service team will be in contact with you to provide with possible options.
For further questions
Contact Customer Service at (626) 345-5838 (Monday-Sunday 8:30 AM-5:00 PM PST) or email email@example.com.


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Wolves Reliant On Cattle Meat DietCANADA - Cattle ranchers in southwestern Alberta have suspected it for a long time and now, GPS tracking equipment confirms it: wolf packs in the area are making cow meat a substantial part of their diets.
University of Alberta researchers tracked wolves to bone yards, where ranchers dispose of dead cattle, and to sites of fresh cow kills. The study was done over two grazing seasons in 2008 and 2009. The vast study area in southwestern Alberta includes private ranchland and wooded public lands bordering the Rocky Mountains.
Researchers found that during the summer months when livestock was set out to graze on public lands, cattle made up to 45 per cent of the diet for the three wolf packs in the study. This shows a seasonal switch from the wolf's usual pattern of wild prey in the non-grazing season to cattle in the grazing season.
Four wolves in three different packs were outfitted with radio collars that included a standard tracking beacon and a device that collected and saved detailed GPS location data.
When the researchers used the radio signals to locate the general area of the collared wolf, the detailed, hour–by-hour GPS data showing the wolf's movements was uploaded into a handheld device.
The researchers looked for GPS clusters, the locations on the map where the wolves spent a lot of time and went to a total 698 sites where the wolves had gathered. The fieldwork turned up locations where 50 cows were killed.
Researchers calculated that, during the winter months, 85 per cent of the wolves' scavenged (already dead animals) feeding events were at bone yards located on land belonging to ranchers. The researchers noted that often the bone yards were located within a few hundred metres of grazing cattle. The ease of feeding at bone yards can also attract other predators such as grizzly bears and cougars.
Lead U of A researcher, Andrea Morehouse says the most alarming element of the research is that almost 50 per cent of the wolf packs' summer diet was cattle meat. The researchers say this shows the need for management plans in the study area in order to reduce the opportunities for wolves to prey on cattle.
TheCattleSite News Desk


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Norwegian Cruise Line is bringing new 4,000-passenger Norwegian Breakaway to New York City later this year to sail year-round to Florida, the Bahamas and Bermuda. Getting ready to be New York's home town cruise line, Norwegian has engaged in partnerships with the New York City Rockettes, pop artist Peter Max and others. Norwegian Breakaway will even have Sabrett New York hot dog carts positioned around the ship in convenient places, much like on the streets of New York City.
Now, Norwegian is back on the streets of New York offering what they call "Warming Stations" around the city.
As part of their sponsorship with NYC & Company, the official marketing, tourism and partnership of the City of New York, Norwegian Cruise Line is setting up three warming station events in New York City through the end of January.
The warming stations feature a large backdrop of Norwegian Breakaway along with heat lamps, sand and palm trees to give passers-by a warm, tropical feeling. Commuters passing through can visit, have their pictures taken with the backdrop like they might while boarding a cruise ship and enjoy a hot beverage.Upcoming dates and locations are:
January 14 – Flatiron Plaza
January 22 – 14th St. & 9th Ave.
January 28 – Times Square
And what would be a cruise-oriented event without something free given away?
The Warming Stations will feature instant-wins every hour where visitors can win tickets to either see "Rock of Ages" or eat at Geoffrey Zakarian's restaurant, The National.
Featuring an oceanfront boardwalk called the Waterfront, Norwegian Breakaway will have shops, restaurants and bars combined with entertainment and gaming. A hub of activity spanning three decks is called 678 Ocean Place, featuring seven dining venues, 12 bars and lounges coupled with shops and other entertainment options.
Can't wait for Norwegian Breakaway to arrive in May? Norwegian Cruise Lines has a micro-site set up all about the new ship and its features. Check this video for more:
[Photo Credit- Norwegian Cruise Lines]


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Document Translation
Do-it-yourself translation of Identification Cards Syria
Arabic to English Translation & English to Arabic Translation
This service will enable you to produce the online translation of the following legal document of the Identification Cards Syria :Sorry, The document you are looking for is unavailable. You can send your document by email to get quotation for translation. email@example.com
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Product Details:
|Roof Panel Roll Forming Machine With Hydraulic Cutting
|Roller Material:
|No.45 Steel
|12 Month
|High Light:
roof tile roll forming machine,
cold roll forming machine
Technical data of Roofing Sheet Roll Forming Machine
|Suitable material
|color steel sheet;0.3-07mm,
|Working speed
|Main motor power: 5.5 Kw(Depend on final design)
|Hydraulic station power: 4Kw(Depend on final design)
|Material of forming rollers
|No.45 steel, plated with chrome on surface.
|Material of cutter,pressing die
|Cr12 mould steel with quench treatment, HRC58-60
|Material of shaft
|High quality 45# steel, Roller grinder milling.
|Shaft diameter
|Controlling system
|Mitsubishi PLC & converter
|Total weight of machine
|About 4500KGS
|Machine's size
|about 18m×1.8m× 1.5m (Depend on final design)
Layout drawing of machine
Our Roofing Sheet Roll Forming Machine advantages
1. Anti-rust roller: CNC machine tooled, Plated with 0.05mm hard chrome .to protect surface shiniing and strong
2. Heat treatment: Heat treatment for cutting frame to remove the steel stress, to avoid deformation.and hardness 60 degree.
3. Cutter blade: Cr12 mould steel with quenched treatment, long life time.
4. High precision: shafts for rollers are tooled by grinding machine. Rollers are CNC processed to ensure precision performance.
5 .automatic PLC : introduced Mitsubishi PLC with touch screen ,inverter,transformer.
6. powerful driving system: big inch train,or gear box driving system.
6. Excellent services: Technician can be sent to your factory to install the machine and train your workers. Lifttime services for our machines.
producing process:
We can also customize the products according to customer ' s requirements
Contact Person: Jing
Tel: +86 188 2511 7789 / +86 182 3376 6102


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Edwin Carlyle (Carl) Wood (1929–2011)
Edwin Carlyle Wood, also known as Carl Wood, was a physician who helped develop in vitro fertilization, or IVF, treatments. From 1964 to 1992, Wood worked as a professor of obstetrics and gynecology at Monash University in Melbourne, Australia, where he was one of the first in the world to lead a team of physicians to establish IVF as a proven treatment for infertility. IVF refers to a medical procedure in which scientists inseminate an egg cell with a sperm cell outside of the body, such as in a glass dish in a clinical setting.
Format: Articles
Subject: People, Technologies, Reproduction
Ernst Gräfenberg (1881–1957)
Ernst Gräfenberg was a physician and researcher who studied sexology, the study of human sexuality, in both Germany and the United States during the first half of the twentieth century. Gräfenberg researched the use of intrauterine devices as a form of contraception, and he developed the Gräfenberg ring. The Gräfenberg ring was one of the first intrauterine devices that effectively prevented pregnancy without causing infection, and it became the forerunner of all modern intrauterine devices, or IUDs. Gräfenberg also studied the role of the urethra in female orgasm.
Format: Articles
Subject: People, Technologies, Reproduction
No-scalpel Vasectomy
No-scalpel vasectomy, or NSV or keyhole vasectomy, is a surgical method of sterilization that involves puncturing the skin of the scrotum to access the vas deferens, a tube that carries spermatozoa, or sperm, from the testes to the penis. The surgeon performing the procedure blocks the flow of sperm through the vas deferens, sterilizing the patient. NSV is a less invasive procedure, as it does not use a scalpel to make a deep cut on sensitive scrotal tissue.
Format: Articles
Subject: Technologies, People, Organizations, Places, Reproduction


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Candlelight Is Aglow With A Demo
You might recall that we previously mentioned Candlelight, the game in which you play as, well, a candle? Well, now you can actually see how that works, thanks to an embedded demo just here. (Requires Unity plug-in.) It's rather pretty, and the candle-burning mechanic is clever. I can see it being deeply unforgiving, however.
The full game is due to appear some time later this year. Trailer below.


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RENTON, Wash. – The last time Russell Wilson played like he was pushing to be included in the talk for MVP, he dissected the New Orleans Saints with one of the best performances of his career.
Since that December night, Wilson and the Seattle Seahawks scuffled toward the conclusion of the season, raising concerns that a stumbling offense could leave them vulnerable as the playoffs arrive.
"We weren't able to stay at the same level of production that we had maybe prior to that, but you'll see," Seattle coach Pete Carroll said. "Hopefully, we can play like we want to, which is to play a really good balanced attack and do the things we like to do in the running game, and play off of that. We're feeling pretty good about it, we're feeling like we know where we are."
At the heart of re-igniting the offense is getting Wilson closer to the passer he was during the middle part of the season. For four weeks in the middle third of the season, Wilson could not have played much better. He was efficient with his passes, capitalized on scoring opportunities, avoided sacks and took smart chances downfield.
And then came the final stretch, facing four of the best defenses in the NFL, when Wilson looked mortal. He held the ball too long. His efficiency dipped. He missed open receivers and the Seahawks struggled to sustain drives and capitalize in the red zone.
Those final four games have created some alarm as New Orleans returns Saturday for the NFC divisional playoff game.
"I think there are a couple of areas we can continue to improve. Continue to be a guy that is relentless in the red zone to get the ball to our playmakers," Wilson said. "That's the biggest thing to find the right guy at the right time."
It's not all on Wilson, but he certainly swooned in the final month. The four games prior, capped with his Dec. 2 game against the Saints where he threw for 310 yards and three touchdowns in Seattle's 34-7 win, Wilson was playing at his peak. During that four game stretch — against Tampa Bay, Atlanta, Minnesota and New Orleans — Wilson completed 73 percent of his passes, averaged 261 yards passing, 10.44 yards per pass, nine touchdowns and a passer rating of 128.1.
It was the best four-game stretch of Wilson's young career.
But then the slump arrived. Wilson threw for more than 200 yards only once. He had just four touchdowns and three interceptions, and was sacked 14 times. His yards per attempt dropped and his completion percentage was at 57.8 percent. That final stretch included the worst passing game of Wilson's career when he threw for just 108 yards in Seattle's 17-10 home loss to Arizona.
The argument that Seattle's offensive slump came against good defenses does hold credence. Over the final four weeks, the Seahawks faced the Nos. 5, 8, 6 and 15 overall defenses in the league. Arizona finished with the top run defense in the NFL, while San Francisco was fourth against the run and seventh against the pass.
"We were going against some of the top defenses in the league, specifically our division ... so you always have to take that into consideration," Golden Tate said. "We just have to keep doing us. We don't think we're being unproductive."
Offensive coordinator Darrell Bevell believes a chunk of the problem can be directly traced to Seattle's struggles on third down. The Seahawks were a combined 14 of 51 (27 percent) on third downs over the final four weeks. That led to fewer long drives and less overall plays for the Seahawks offense. Seattle had just 50 offensive plays at San Francisco and 51 against Arizona.
"When we're in the 50s in total plays that's where our third downs have been hurting us. So we have to really work on that area," Bevell said. "Some of the red zone that we have looked at, we have to get back better there. We climbed all the way to top five or whatever and then we had some issues. So we have to make sure that we can finish drives when we get those opportunities down there."
Seattle does have the knowledge that Wilson was stellar during the playoffs last season, including a career-high 385 yards passing against Atlanta. It certainly won't hamper the offense if wide receiver Percy Harvin is able to return for his second game of the season. Wilson said Wednesday that Harvin, "looks unbelievable so far." Harvin was a full participant in practice on Wednesday and a decision on whether he plays against the Saints will likely be made Thursday.
"He's been itching to play," Wilson said. "Hopefully we can get him out there. That would be exciting."
AP NFL website: www.pro32.ap.org


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Federal Tax Clinic
Students enrolled in the federal tax clinic advocate on behalf of low-income taxpayers who have on-going disputes with the Internal Revenue Service. During the semester, the student will conduct client interviews, identify the federal tax issue(s) in dispute, determine the best course of action to resolve those tax issues, review client tax documentation, conduct federal tax research, review the Internal Revenue Code, contact IRS personnel and represent our clients in negotiations with the IRS - all under the supervision of Professor Richard Carpenter.
Prerequisite: Tax I


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The Keys to Success to Investing in Real Estate
Most real estate professionals flunk within the first few months of trying to create a business enterprise out of real estate investing. The trick begins with a beneficial marketing plan and then practicing a disciplined effort to the marketing plan on a even basis. https://www.penidaland.com/ There is a lot more required to succeed, and you will encounter more tips, tricks and unique real estate marketing techniques in this article. Is there anyone in your town that doesn't recognize that you buy homes or that you are a real estate professional? If so, you aren't performing as well at marketing or rendering real estate investing information about your real estate investing business enterprise as well you could be. I find out real estate investors telling all the time that they aren't receiving seller phone calls and subsequently aren't receiving the leads they need to find the real estate business deals they require to earn a living. I say increase the marketing an


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Common Cold – Or Cancer?
Learn how to tell the difference between common cold symptoms and signs of cancer
You never miss your annual physical.
You check your breast regularly for lumps, and your skin for new moles.
You don't smoke; you eat well and exercise regularly.
You're in great health, so you would know if something was wrong, wouldn't you?
Unfortunately, cancer's many forms manifest themselves through many symptoms. Therefore, it is imperative to recognize that some small, otherwise unexplained changes in health can be the early signs of cancer.
Provided below are some seemingly innocent symptoms that, if persistent, may signal deeper issues, such as cancer:
Breathing problems such as wheezing, shortness of breath and chronic cough
Lung cancer can be difficult to diagnose early, so recognizing early symptoms is essential. Coughing up blood is a potential symptom of lung cancer that people rarely ignore, but other subtle signs like wheezing or shortness of breath are often attributed to other causes, such as asthma or allergies. Even people who are not smokers should not ignore persistent and unexplained breathing problems, as thousands of non-smokers are diagnosed with lung cancer each year, as well as other types of cancers such as lymphomas present with similar signs.
Frequent fevers and infections
Having fevers and infections that don't go away or occur frequently is an indicator of many cancers, including leukemia, as abnormal white blood cells begin to outnumber infection fighting normal, white blood cells. It is understandable to think it's the flu. And it might be. But it never hurts to be sure.
Difficulty swallowing or swollen lymph nodes on the neck, underarm or groin
Many cancers can spread to lymph nodes, which are located throughout the body. If this happens, these swollen glands can increase in size and be easily felt as growing lumps. The most common areas which people can feel these lumps (which may start as small as a pea) is in the neck, arm pit or groin. Enlarged lymph nodes under the arm are a common indicator of breast cancer and should be checked immediately by your doctor. Growing lymph nodes which can't be felt inside your chest (which may be a result of lung cancer, lymphoma or esophageal cancer) may result in difficulty swallowing or breathing.
Excessive bruising or bleeding
Everyone has a few bumps and bruises, especially those who are accident-prone. However, it can also be a sign of leukemia or other cancers, which have spread to the bone marrow resulting in a decrease in blood products necessary for clotting. Look for frequent and unexplained bruises in strange places or bleeding gums.
Weakness or fatigue
Unexplained fatigue and weakness that doesn't respond to sleep may be a symptom of many different kinds of cancer and other diseases, so it is important to look for additional accompanying symptoms. Let your doctor know so he or she can determine if further tests are needed.
Pelvic or abdominal pain or recurring upset stomach
Abdominal pain alone can mean a number of things, including fibroids, ovarian cysts and other disorders; so doctors don't always think of cancer as the source. Many gastrointestinal cancers can present as abdominal pain. An enlarged spleen from leukemia can cause the same feeling of pelvic pain.
Bloating or weight gain
Of course, this could be attributed to snacking on salty treats or the normal holiday bloating. However, unexplained abdominal bloating that continues on and off for a long time is a common symptom of ovarian and colon cancer.
Unexplained weight loss or loss of appetite
While it may seem like your prayers have been answered, unexplained weight loss is NOT something to be desired. Weight loss and loss of appetite may be a sign of many cancers, including colon and lung cancer. Other cancers affecting the digestive system, such as esophageal and gastric cancer, can affect a person's ability to eat and digest food.
Swelling of facial features or extremities
Lung tumors and cancers that have spread to lymph nodes can block blood and lymphatic vessels in the chest, neck, arms and legs. This can cause puffiness, swelling or redness in the face, or swelling in the arms or legs.
Pain involving the back, ribs or other bones
The list of cancers that may spread to the bone is long, including prostate and breast cancer, making this a frequent problem for cancer patients. However, there are plenty of other causes of these symptoms unrelated to cancer because arthritis and chronic low back pain is so common. Still, unexplained pain, which is worsening or persistent, justifies a visit to your doctor.
Almost all cancers are easier to treat and have a higher cure rate if detected early, so being aware of changes in your general health over time is important. Fortunately, most of the 10 signs described above can usually be explained by medical conditions unrelated to cancer. But seeing your doctor early to make sure that this is true will help you sleep easier at night — and who couldn't use that!


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Margaret (Peggy) Goldwater (1909–1985)
Margaret Goldwater advocated for birth control and reproductive rights in the United States during the twentieth century. Goldwater was a socialite and philanthropist and was married to Barry Goldwater, US Senator from Arizona. She spent much of her life working to further the women's reproductive rights movement, which sought to expand women's legal, social, and physical access to reproductive healthcare, including contraception and abortions.
Format: Articles
Subject: People, Reproduction, Outreach
Barry Morris Goldwater (1909–1998)
Barry Morris Goldwater was a Republican Arizona Senator and US presidential candidate in the twentieth-century whose policies supported the women's reproductive rights movement. Goldwater, a businessman and Air Force reservist, transitioned into politics in the 1950s. He helped align popular support for a conservative Republican Party in the 1960s. Throughout his life, he worked to maintain personal liberty and to limit governmental intrusion into citizens' private lives. Goldwater, influenced by his wife Margaret (Peggy) Goldwater, supported women's rights to abortions.
Format: Articles
Subject: People, Reproduction, Legal, Religion
Margaret Higgins Sanger (1879-1966)
Margaret Higgins Sanger advocated for birth control in the United States and Europe during the late nineteenth and early twentieth centuries. Although people used contraceptives prior to the twentieth century, in the US the 1873 Comstock Act made the distribution of information relating to the use of contraceptives illegal, and similar state-level Comstock laws also classified discussion and dissemination of contraceptives as illegal.
Format: Articles
Subject: People, Reproductive Health Arizona, Reproduction, Outreach


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Ex-CIA director: U.S. faces 'World War IV'
From Charles Feldman and Stan Wilson
LOS ANGELES, California (CNN) -- Former CIA Director James Woolsey said Wednesday the United States is engaged in World War IV, and that it could continue for years.
In the address to a group of college students, Woolsey described the Cold War as the third world war and said "This fourth world war, I think, will last considerably longer than either World Wars I or II did for us. Hopefully not the full four-plus decades of the Cold War."
Woolsey has been named in news reports as a possible candidate for a key position in the reconstruction of a postwar Iraq.
He said the new war is actually against three enemies: the religious rulers of Iran, the "fascists" of Iraq and Syria, and Islamic extremists like al Qaeda.
Woolsey told the audience of about 300, most of whom are students at the University of California at Los Angeles, that all three enemies have waged war against the United States for several years but the United States has just "finally noticed."
"As we move toward a new Middle East," Woolsey said, "over the years and, I think, over the decades to come ... we will make a lot of people very nervous."
It will be America's backing of democratic movements throughout the Middle East that will bring about this sense of unease, he said.
"Our response should be, 'good!'" Woolsey said.
Singling out Egyptian President Hosni Mubarak and the leaders of Saudi Arabia, he said, "We want you nervous. We want you to realize now, for the fourth time in a hundred years, this country and its allies are on the march and that we are on the side of those whom you -- the Mubaraks, the Saudi Royal family -- most fear: We're on the side of your own people."
Woolsey, who served as CIA director under President Bill Clinton, was taking part in a "teach-in" at UCLA, a series of such forums at universities across the nation.
A group calling itself "Americans for Victory Over Terrorism" sponsors the teach-ins, and the Bruin Republicans, UCLA's campus Republicans organization, co-sponsored Wednesday night's event.
The group was founded by former Education Secretary William Bennett, who took part in Wednesday's event along with Paul Bremer, a U.S. ambassador during the Reagan administration and the former chairman of the National Commission on Terrorism.


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07/13/10: Fact Or Fiction: A Tax On Real Estate Sales
By Benny L. Kass
Rumors are flying all over the country, claiming that the Health Reform legislation Congress recently enacted includes a sales tax on all real estate sales. While there is a tax, it does not apply to everyone.
The Health Care and Education Reconciliation Act of 2010 was signed into law by President Obama on March 30, 2010. It is a comprehensive and extremely complex piece of legislation. One section (1402) is entitled "Unearned Income Medicare Contribution" and does impose a 3.8 percent tax on any profit on the sale of real estate- residential or investment.
But it is aimed at high-income consumers, who comprise a small majority of American citizens. And in any event, it does not take effect until January 1, 2013.
Let's look at the true facts of this new law.
First, it is not a sales tax, nor does it impose any transfer or recordation tax. It is called a "medicare" tax because the moneys received will be allocated to the Medicare Trust Fund, which is part of the Social Security System.
Next, if your income (technically called "adjusted gross income) is less than $200,000, you are home free. The income thresholds are clearly spelled out in the law. If you are married and file a joint tax return with your spouse, the law will apply only if your income is over $250,000. (If you and your spouse opt to file a separate tax return, the threshold is reduced to $125,000.) For all other taxpayers, you have to earn more than $200,000 in order to be under the new law.
The up-to-$500,000 exclusion of gain for married couples filing a joint tax return (or up-to-$250,000 for single taxpayers) has not been repealed. Nor has the right to deduct mortgage interest and real estate tax payment been eliminated.
How is the tax calculated? It is a complex formula that could be called "the accountant's protection act". As a taxpayer, you (or your financial advisor) must determine which is less: the gain you have made on the sale of your house or the amount that your income exceeds the appropriate threshold.
Complicated? Yes. Let's look at these examples. Your adjusted gross income is $150,000. You sell your house and made a profit of $400,000. There is no change in the way you determine your gain: you take your purchase price, add any major improvements you have made over the years, and subtract that number from the net sales price. Based on this formula, you and your spouse have owned and lived in the property for at least two out of the five years before it was sold. Accordingly, you are eligible to exclude all of your profit; you are not subject to the new 3.8 tax. Keep the money and enjoy.
Change the example so that your adjusted gross income is $300,000. Since you are eligible to take the profit exclusion of up-to-$500,000, once again you do not have to pay the Medicare tax; your entire gain is excluded, and thus there is no profit to tax.
But let's assume you strike it rich and have made a profit of $600,000. Your income is $300,000. You can only exclude $500,000 under current law, so you will have to pay capital gains tax on the remaining balance. The rate currently is 15 percent, so you will owe Uncle Sam $15,000 ($100,000 x 15%).
But since your income is over the threshold, you now have to pay the 3.8 percent tax. But on what amount?
As indicated earlier, the tax is based on lesser of your profit or the difference between the threshold and your income. Your profit is $100,000. The difference between your income and the threshold is $50,000 ($300,000 – $250,000). In our example, the lower number is $50,000, and you will have to pay an additional $1900 to the IRS (3.8% x $50,000).
According to statistics provided by the National Association of Realtors, in March of this year, for example, half of all existing homes sold for $170,700 or less. Clearly, none of these homes could make a profit of even $250,000, so if you qualify for the exclusion of gain requirements, you will not be impacted by this new law. Of course, the Washington metropolitan area has seen dramatic appreciation in real estate (in the early years of this century) so some home owners may be hit with this tax. But the large profit that has been made should offset the nominal tax that has to be paid.
This new law has yet to be analyzed or interpreted. We have almost two and half years before it takes effect. However, since the law applies to all forms of real estate, including vacation homes, you should consider consulting with your tax and financial advisors as to your exposure.
You will, of course, have to wait until we all have a better understanding how it will work. In the meantime, however, don't believe the rumors.


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An ellipsoid could be rolled (without slippage) on a horizontal plane so that its point
of contact traces out a closed geodesic on its surface:
Q1. Which other convex bodies (in $\mathbb{R}^3$) share this property?
A version of this question was raised in an earlier MO question ("Rolling a convex body: Geodesics vs. rolling curves") in which Andrey Rekalo pointed to the book Geometry of nonholonomically constrained systems by Richard H. Cushman, Hans Duistermaat, and Jędrzej Śniatycki. This book indeed describes the relevant equations of motion, but I am not finding it easy to extrapolate from their discussion to answer the posed question.
Q2. What conditions suffice to guarantee that a particular closed geodesic is the trace of a rolling curve?
In the case of the ellipsoid, the normal to the point of rolling contact aims at all times through the center of gravity. Perhaps it suffices that the center of gravity lies in the plane determined by that normal and the tangent to the rolling curve.
I was particularly wondering:
Q3. Will a Zoll surface, all of whose geodesics are closed, roll along (some of its) geodesics?
It would be quite interesting if the answer is 'Yes', although I think this is unlikely. (Zoll surfaces were discussed in two earlier MO questions: "Surfaces all of whose geodesics are both closed and simple" and "Riemannian surfaces with an explicit distance function?.")
Thanks for any suggestions or pointers!


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Rainbow Laces
Lace Up and Speak Up: Driving change
The FA and the County FA network are delighted to be a part of the 2022 Rainbow Laces campaign.
The campaign will take place from Wednesday 19 October to Monday 31 October. Wednesday 26 October will be this year's 'wear your rainbow laces day', when teams, leagues, businesses, schools, and leading sports personalities all over the word will be getting together to wear their laces with pride.
More than a million of us have laced up in support of LGBTQ+ equality in sport. But many in this community still feel unwelcome in sport, fitness, and physical activity. Because people bully, belittle, and exclude, making them feel out of place. Sport is for all, and everyone should be welcome. Laces have brought the awareness. Now we all need to speak up with those around us.
There are two ways to inspire action, Lacing Up and Speaking Up. Over the course of the campaign, we encourage you to take these actions.
The main activation day is Rainbow Laces Day on 26th October when everyone will come together online and in varies settings to show their support.
We hope you will show your support by engaging with the campaign throughout this period so that together, we can make football everyone's game. As we lace up this year, the call to action will be to have a conversation about why you are wearing Rainbow Laces.
These conversations can be with friends and family, in a club or with teammates. Stonewall's activation pack covers some great conversation starters, alongside ideas on how to plan and execute your campaign or show your support for the campaign.
Rainbow Laces 2022 Activation Pack
Use this comprehensive guide to help ensure you are doing everything possible to support the Rainbow Laces campaign.
How can you support Rainbow Laces?
Use this checklist to keep tabs on all of the different aspects of the campaign. This is also included in the Activation Pack.
LGBT+ ABCs
What does LGBT+ mean? How you can educate others on LGBT+ inclusion? Where can you find support?
Key Statistics
Gain an insight into how everyday life affects people who identify as LGBT+.
Youth Teams
Print out this easy-to-use activity for young people to spark the conversation on what LGBT+ is.
Rainbow Laces
Download Stonewall's activation pack to best support the Rainbow Laces campaign.


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CRS: Temporary Protected Status: Current Immigration Policy and Issues, September 30, 2008
From WikiLeaks
About this CRS report
This document was obtained by Wikileaks from the United States Congressional Research Service.
The CRS is a Congressional "think tank" with a staff of around 700. Reports are commissioned by members of Congress on topics relevant to current political events. Despite CRS costs to the tax payer of over $100M a year, its electronic archives are, as a matter of policy, not made available to the public.
Individual members of Congress will release specific CRS reports if they believe it to assist them politically, but CRS archives as a whole are firewalled from public access.
This report was obtained by Wikileaks staff from CRS computers accessible only from Congressional offices.
For other CRS information see: Congressional Research Service.
For press enquiries, consult our media kit.
If you have other confidential material let us know!.
For previous editions of this report, try OpenCRS.
Wikileaks release: February 2, 2009
Publisher: United States Congressional Research Service
Title: Temporary Protected Status: Current Immigration Policy and Issues
CRS report number: RS20844
Author(s): Ruth Ellen Wasem, Domestic Social Policy Division; Karma Ester, Knowledge Services Group
Date: September 30, 2008
- Abstract
- When civil unrest, violence, or natural disasters erupt in spots around the world, concerns arise over the safety of nationals from these troubled places who are in the United States. Provisions exist in the Immigration and Nationality Act (INA) to offer temporary protected status (TPS) or relief from removal under specified circumstances. The United States currently provides TPS to nationals from seven countries: Burundi, El Salvador, Honduras, Liberia, Nicaragua, Somalia, and Sudan. Under the INA, the executive branch grants TPS. Congress, however, has also granted TPS legislatively, and legislation pertaining to TPS has received action in the 110th Congress.
- Download


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English Professor George Guida named City Tech 2013 Scholar On Campus
Will Deliver 'Creativity, Language and Life' Lecture
New York City College of Technology (City Tech) has chosen English Professor George Guida as its 2013 Scholar on Campus for his outstanding work as a poet, fiction writer, critic, editor and teacher. He will deliver his Scholar on Campus lecture, "Creativity, Language and Life," and read from his poetry, on Monday, April 22, at 5 p.m., in Namm Hall 119, 300 Jay Street (at Tillary Street), in Downtown Brooklyn. Sponsored by City Tech's Professional Development Advisory Council, the lecture is free and open to the public.
"Creativity is a means, but, more importantly, it is an end in itself," Dr. Guida says about the subject of his lecture. "For me, the greatest example of creativity as its own goal is the exercise and the pleasure of human language."
"Professor Guida truly exemplifies the ideals of the Scholar on Campus award," says Pamela Brown, City Tech's associate provost. "In addition to his impressive publication record, he serves the community through readings across the region and as co-founder of the College Poetry Slam at the Bowery Poetry Club, a competition where poets can read or recite their work."
The Scholar on Campus award is made to a member of the faculty who has demonstrated extraordinary scholarship and creative work that has had an important impact at the College and in the larger community.
Says Dr. Guida of his selection, "I was humbled and of course pleased. While it's not my style to get too high over accolades or too low over rejections, I did walk around smiling for a couple of days."
Dr. Guida is the author of The Peasant and the Pen: Men, Enterprise and the Recovery of Culture in Italian American Narrative (Lang, 2003); Low Italian, his first collection of poems and a finalist for the Bordighera Poetry Prize (Bordighera Press, 2006); a second collection of poems, New York and Other Lovers (Smalls Books, 2008); a full-length play, The Pope Play, and the story collection, The Pope Stories and Other Tales of Troubled Times (Bordighera Press, 2012), which includes the Pushcart Prize-nominated story "Rome."
His poems, stories, and critical essays have been published in journals and anthologies including Barrow Street, Inkwell, Alimentum, Literature and Gender, Poetry New York, The Columbia Journal of American Studies, The Journal of Popular Culture, and Italian Americana.
Forthcoming in 2013 are a third collection of poems, Friars Club Conscience (Oliver James Press, 2013) and the novel, Letters from Suburbia. Currently Dr. Guida is at work on a book and blog project on America's poetry scenes and their participants, tentatively titled Virtue at the Coffeehouse, from which he plans to make a film. He is also writing a trilogy of novels, including the grant-funded The Carrying Place, set in Brooklyn and in different parts of New York State over the past 75 years.
His future projects include a series of on-campus creativity seminars and a summer creativity institute for City Tech and CUNY students, led by City Tech and CUNY faculty members. Currently he is collaborating on a creative writing and journalism cluster option proposal, with Monique Ferrell, Kate Falvey, Julian Williams and other members of City Tech's Department of English.
Dr. Guida, who is in his second term as president of the Italian American Studies Association, co-founded the College Poetry Slam at the Bowery Poetry Club, and has read his work at venues including Harvard University, the Genoa Poetry Festival, Poets House, the Tenement Museum, The Italian American Museum in Manhattan and the City Tech Literary Arts Festival. Later this spring, he will present his work at Frostburg State University, the John D. Calandra Italian American Institute in Manhattan, and at an April 25th benefit he will host at City Tech for Reunion Sportive d'Haiti, an organization providing recreational and educational programs for young people in Haiti.
A creative writer since age 12, Dr. Guida has taught literature and writing to CUNY students for nearly 25 years. In 1998, he joined City Tech as a full-time faculty member, and now teaches poetry, creative writing and composition; he soon will teach a course on the literature of immigration. Additionally, he is poetry editor of the literary magazine 2 Bridges Review, the third issue of which will be published this year.
Dr. Guida, who received his undergraduate degree at Columbia University, interned at The Paris Review and The Hudson Review, two of America's leading literary magazines, and earned his doctoral degree from The CUNY Graduate Center.
New York City College of Technology (City Tech) of The City University of New York (CUNY) is the largest public college of technology in New York State. Located at 300 Jay Street in Downtown Brooklyn, the College enrolls more than 16,000 students in 65 baccalaureate, associate and specialized certificate programs.
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Command® Adjustables™ Mini Decorating Clips, 36 clips, 72 strips, 17846CLR-36ES, CFIP
Command® Adjustables™ Mini Decorating Clips, 36 clips, 72 strips, 17846CLR-36ES
Command® Adjustables™ Mini Decorating Clips, 36 clips, 72 strips, 17846CLR-36ES
Command Adjustables B+
Command Adjustables B+
Command - Do not hang framed pictures on hooks.jpg
Command(TM) Forever Classic Hook, Small Brushed Nickel
Command Adjustables B+
Command® Adjustables™ Mini Decorating Clips, 17846CLR-36, 36 clips, 72 strips, Instructions
Perfect is now possible with Command Adjustables Products – a new line of hooks and clips that you can reposition up to three times within the first 20 minutes. Leveraging new peelable technology, these hooks and clips are easy to use and hold strongly on a variety of surfaces, including painted walls, wood, tile and more. Yet, they come off cleanly by just peeling - no holes, no marks. Now you have three chances to make a great first impression.
Attribute Name
Good for Humid Environments
Not sure which Command™ Product is right for you? We weighed some common household objects to give you a better understanding of the amount of weight you're hanging on your walls. Explore our Command™ Weight Reference Guide to find the best Command™ Product for your project.
Even the lightest items need the right support. Next time you brew a pot of joe in the morning, remember that a 16 oz bag of coffee beans is the equivalent to one pound.
Comparing apples to oranges might not be a fair matchup, but comparing a bag of apples to your next project—that's a different story. Did you know that a standard bag of apples is equal to three pounds? How do you like them apples?
You want a damage-free hanging solution that's up for the task—not one that will drop your object like a hot potato. For items with a bit more weight, remember that five pounds feels just like a standard bag of potatoes. Unsure whether you have a standard size bag? Just check the front of the bag for the 5 lb weight.
Looking for a solution to hang your heavier objects? No there's no use crying over spilt milk. Just reach for the gallon of milk in your fridge—it weighs about eight pounds.


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Pornographic Films Based On Ben & Jerry's Ice Cream Flavors To Be Destroyed
NORTH HOLLYWOOD (AP) — A California company that produced X-rated films based on popular Ben & Jerry's ice cream flavors has agreed to pull the movies from store shelves and destroy materials related to them.
A federal consent order was filed Tuesday in Manhattan. It describes how Rodax Distributors and Caballero Video in North Hollywood will eliminate the films from the marketplace.
Ben & Jerry's sued last week. It said the "Ben & Cherry's" X-rated DVDs were "hardcore pornographic" films that smeared its reputation.
The lawsuit by the Vermont-based company cited some naughty names similar to its own. They included "Boston Cream Thigh," ''New York Fat & Chunky" and "Peanut Butter D-Cup."
Ben & Jerry's ice cream flavors include "Boston Cream Pie," ''New York Super Fudge Chunk" and "Peanut Butter Cup."
(© Copyright 2012 The Associated Press. All Rights Reserved. This material may not be published, broadcast, rewritten or redistributed.)
for more features.


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(or SEARCH "pro wrestling" in App Store or Android Marketplace)
Former WWE star reveals how Virgil cost him a spot in the NWO, why The Rock was put in the Nation of Domination, says Papa Shango was scheduled to return to WWE at one point
Nov 25, 2012 - 11:23 AM
I Met A Wrestler website Interview: Charles Wright (a/k/a The Godfather)
Host: Daniel Donnelly
Audio available at Imetawrestler.com
On the Papa Shango character: "I used to read books on voodoo, in fact I built an entire voodoo library. Everything I said in my promos was real and legit. All the props were from voodoo stores. It was totally authentic. The effects guys worked with the staffs and sticks so that they all did something different. I had a bunch of them - some would shoot sparks, others had smoke and lights that came out of them."
How Sid messed up the character: "Papa Shango was supposed to last much longer in the main event but Sid f---ed it up. It was supposed to be Sid and Warrior headlining SummerSlam [1992], but Sid didn't want to do it and he quit. He had his own issues, he said Vince had brought him in under the promise of replacing Hogan as the top babyface and it wasn't going the way it was supposed to. So Papa Shango was fed to Warrior instead. The problem was, with a character like Papa Shango, once the losses piled up, the character lost a lot of that mystique and invincibility, and it was all downhill fast from there."
On almost joining WCW and the NWO: "I almost went to WCW to be Hogan's enforcer in the NWO. I named my price, the contract was being drawn up, and then at the last minute, I got a call saying the contract was being retracted and there was no longer an offer for me. I was stunned, man, just stunned. I asked why, and it turned out that Virgil offered to do it for a third of the price because he wanted to be back on TV so bad. That dumb motherf---er cost us both."
Papa Shango returning in 1997 but replaced by Kane: "A lot of people don't know this, but Papa Shango was going to return in 1997. It was going to be a more gritty, realistic version with a mask instead of paint.They created the costume and the new entrance. But what happened was, the decision was then made to do Kane. I guess they felt there wasn't enough room for two dark, supernatural characters, and so I became Kama Mustafa and they put me in The Nation. I've still got some 8x10 promos of me in the new mask and gear."
Why Vince put The Rock in The Nation: "The Rock was put into The Nation to protect him. Vince had big plans for The Rock from day one and was worried that he had been getting bad advice from the wrong people. Some jealous dudes had been getting into his ear. So Vince put Rock in the Nation so he could benefit from the guidance of Ron [Simmons] and myself. It was the same thing with Mark Henry. Mark was a big long term investment that was getting some bad advice, learning some bad habits, and so Vince put him under myself and Ron for guidance. Both those guys were struggling."
Vince's opinion of The Godfather: "Vince loved the gimmick. Loved it. He used to go to bat for me so many times – fighting the networks, fighting the executives. He did everything he could to keep the character as a central part of the show. Vince used to come to me and say, "Charles – he always called me Charles – you're having too much fun out there. You should be paying me!" And that didn't surprise me – Vince is the biggest pimp of them all!"
On the Attitude Era: "I got away with talking about weed so openly on TV because the network executives had no idea what I was saying. They didn't understand the slang. They had no idea what a "fatty" or a "blunt" was, so I was able to say all this stuff and they had no clue. My friend in Cypress Hill said he was amazed at the shit I got away with."
Become a Dot Net Member right now for $7.50 a month or $66 a year ($5.50 a month avg.). Get exclusive audio, first-look insider news, Forum access, member blogs, more...


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When individual contributors are tapped to manage large-scale projects, oversee direct reports, or participate in strategic planning, they need to develop new skill sets on the fly — skills such as interpersonal dexterity, emotional agility, and communication savvy. As important as these leadership skills are, just as important to the leadership transition is learning to let go of old ways of thinking, and relaxing into the role.
This transition can be stressful, but a structured and evidence-based process can help new managers both acquire new skills and let go of old habits. Here's the process I use in my executive coaching practice:
Mindset shifts. A successful leadership transition depends on substantial cognitive restructuring. Many newly appointed managers, as they assume unfamiliar roles, cling to a belief system that emphasizes "hard skills" and a "nose to the grindstone" mentality. But this mindset can constitute a set of limiting beliefs for a manager whose "soft skills" will actually determine whether he or she thrives. Some managers struggle to adapt their belief system, in part because they fear they will lose their edge in their area of technical expertise. They may benefit from proactively choosing instead to believe that it's possible to balance their roles or that each role will enhance the other. Psychology research shows the efficacy of this type of cognitive reappraisal for emotion regulation. Effective managers rigorously cultivate positive thoughts about leadership, and eventually relax into their roles without self-doubt. This positive mindset is an essential starting point.
Insight Center
Developing Tomorrow's LeadersSponsored by Korn FerryHow talent management is changing.
Mindfulness skills. Mindset and mindfulness go hand in hand. When managers choose to believe that they must develop leadership capacity and avoid overuse of their technical skills, they can embark on the hard work of staying calm and poised in unfamiliar situations. Evidence-based mindfulness strategies, such as meditation and controlled breathing, can empower new managers to navigate challenges including delivering a critical presentation, running a contentious meeting, or making a high-stakes strategic decision. Mindfulness work can empower the new manager to relax into the role for which he or she has prepared. In his book Trying Not to Try, Edward Slingerland describes concepts from Taoism and contemporary neuroscience that relate to effectively balancing preparedness and spontaneity. The Taoist notion of wu wei, roughly translated as "non-doing," nicely captures this paradoxical challenge that every new manager faces.
Medical wellness. Managers can build a leadership mindset and mindfulness skills only if their brains are functioning well. Sound sleep, regular exercise, good nutrition, and other healthy behaviors are essential. When navigating a stressful transition to a new management role, self-care is essential. If you've been thinking that it's time for your annual check-up or considering contacting a therapist, don't keep putting it off. Taking care of your physical and mental health can provide a foundation for optimal performance in managerial roles.
Meaning structures. A manager must also consider the meaning and purpose of their work. What motivates someone to transition from individual contributor to management? Those who choose to make this transition need a clear vision of why they are stretching to develop a new mindset and skill set in the middle of an already established and successful career. Research has revealed that successful leaders are skilled at "sustaining the vision" of their companies by modeling optimism about their goals and flexibility about how to reach them. Simon Sinek's book Start With Why presents compelling evidence of how visionary management and leadership drive success. Careful self-reflection about your values, mission, and legacy can bring the mental clarity and behavior changes you need for success in management roles.
One of my executive coaching clients, a well-established physician-scientist who was promoted to a high-level managerial role in her company (a midsize pharmaceutical company) used the "four M" process to reach her goals. The path was rocky at times, as she struggled to shift her mindset from focusing purely on science to valuing relationships with colleagues, marketers, investors, and other stakeholders. As she gradually adopted a leadership mindset, she overcame her skepticism about the efficacy of meditation. She incorporated mindfulness strategies and took an anti-anxiety medication on stressful occasions, such as making a presentation or leading a major meeting. She soon settled her mind down enough to articulate and share a compelling vision for her work: curing a disease that had taken the life of a childhood friend. Her successful ascension to a management role was a boon for her company as well as for her own quality of life and sense of purpose.
Taking on a leadership position for the first time can be one of the most stressful moments in someone's career. It's often the moment when many stars in the organization fail for the first time. By taking the time to reflect on the four critical areas above, you will be better equipped to make a successful transition.


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The title of A.Z.'s sophomore full-length, 'Brutally Beautiful,' could not have been better titled. Upon listening to the disc, you will automatically pick up on the fact that the band are masters at penning tunes that manage to be heavy yet melodic at the same time. Case in point, such instant A.Z. classics as "Reflux," "Drive the Nails," and "Lucky Day," among countless others.
The band – which consists of Clark Walker (vocals/guitar), Josh Smith (guitar), Josh Thompson (guitar), Buck Gillispie (bass), and Drew Hobbs (drums), and whose name is an abbreviation for "Absolute Zero" – issued 'Brutally Beautiful' this past Valentine's Day, and the feedback from fans has been outstanding, as evidenced by comments the band has received upon posting the new album on YouTube:
"'Brutally Beautiful' is exactly that!!! Seriously wicked album!! LOVE IT!!!"
"I could never say enough about this album ❤ 7 years of waiting over!"
"Finally had the chance to listen all the way through…the energy on this is great, never let's down. Can't wait to have you guys on the show and dig into this!"
Influenced by a wide variety of modern day and classic hard rock/heavy metal bands (Metallica, Led Zeppelin, Lynyrd Skynyrd, Staind, Sevendust, Mudvayne, etc.), it all comes together within the grooves of 'Brutally Beautiful.' And Walker has a few personal favorite tracks of the bunch – "'Drive the Nails' and 'Lucky Day' would be two of my top song picks for A.Z.. They both tap into the raw emotion and anger that I know fans can connect with on many different levels. 'Drive the Nails' is about being hurt, being abused, being mistreated, but in the end all this misfortune makes you stronger as a person. Coming out on the other side better, stronger, more focused than before. 'Lucky Day' is about someone's luck finally turning on them after a long run of mistreating and taking others for granted. Two songs that most everyone can relate in one form or another." And in addition to the strong tunes, A.Z. also brings the thunder live, and the band will be criss-crossing America through the summer and into the fall.
And fans can expect to witness the new tunes being taken to a whole other level, when A.Z. rocks a venue near you soon. A.Z. is wall-to-wall heaviness, in store for those courageous enough to brave the music of A.Z. Hard rock and heavy metal fans will find plenty to adore in A.Z.'s music, plenty of reasons to raise the horn fingers. Exquisite guitar riffs, metallic melodies, and blazing chunks of musical energy all come blistering out of the speakers in a fury of rock-n-roll.
1. Four Brothers
2. T-rex
3. Drive the Nails
4. Reflux
5. Sunlight
6. Lucky Day
7. Who Will Save You?
8. Dinorar
9. Pteradactlelypse
10. Three Days
11. Never Broken
12. 36 & 4
13. Smoke
14. Six Feet Away
15. Sin Again
16. Mums
17. Better Place
I received a CD of brutally beautiful. I have a professionally set up Kenwood audio system in my car. The CD ruined my speakers after 2 days.$800 down the drain. I don't blame the band, the company that produced it are to blame, the tracks had obvious and less obvious sound errors. Also could have been a bad mix. Be Careful with this CD.


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Bumi says Indonesia probe fails to prove misconduct
London-listed coal miner Bumi Plc said an independent probe had not been able to prove misuse of funds at its Indonesian units, as documentary evidence had been obtained illegally and key witnesses had refused to cooperate.
Bumi, one of the world's largest thermal coal exporters, was set up in 2010 by financier Nat Rothschild and Indonesia's politically connected Bakrie family, but the two sides are at loggerheads over the future of the company, which has become emblematic of concerns about the governance of foreign resources firms listed in London.
The Bakries aim to pull out of the venture and take back operational assets they brought in, while Rothschild is trying to keep the venture alive and change the board.
In recent months, the battleground for the founding investors has been the investigation into allegations of misuse and misappropriation of funds at Bumi's Indonesian operating assets, primarily Bumi Resources .
"Circumstantial evidence supports a number of the allegations but, due to the unwillingness of key parties to be interviewed and provide information as well as provenance issues, the allegations have not been substantiated," Bumi said on Tuesday.
The board did not publish the findings of the probe and said it was now in talks with Indonesian authorities - despite constraints linked to the origin of the whistleblower documents that triggered the probe - and Britain's Serious Fraud Office.
Bumi said investigators from London law firm Macfarlanes had met with resistance from unnamed individuals at part-owned Bumi Resources. The board also accused Rothschild himself of failing to cooperate by refusing to disclose details of the source of documents that led to the probe.
Bumi's long-awaited statement will disappoint investors hoping for closure on the group's legal issues. Citing Indonesian laws, the group's board gave away no details of the four-month investigation.
Under Indonesian law, Bumi said, it is a criminal offence to disseminate information that has been obtained illegally.
Bumi said a technical examination had shown the information was obtained "illegally by email hacking". "The board believes that there is no credible explanation other than that a large part or all of the materials which formed the basis of the investigation were obtained by such means," it said.
Rothschild, for his part, said there was no reason not to publish the report in either Britain or Indonesia.
"It is extraordinary that a report on the misappropriation of up to a billion dollars is more focused on settling scores with Nat Rothschild, than on following the money," Rothschild said in an emailed comment.
"The process is deeply flawed, but shareholders need not give up hope of recovering their money, although it is clear that the current board has neither the will, the wit, nor the energy for the task."
Bumi's board agreed earlier this month to call a shareholder meeting at which investors could, if they approve a resolution tabled by Rothschild, eject the current board. Rothschild is proposing a smaller board, which includes himself, a detail that has prompted outrage from his former partners.
Bumi said its audit committee had decided any further writedowns in the light of the Macfarlanes report were not likely to be material, given extensive writedowns already made on development assets at the heart of the probe.
It is also investigating why the issues currently being probed, many of which pre-date the creation of Bumi in 2010, were not uncovered by due diligence carried out at the time.
(Reporting by Clara Ferreira-Marques; editing by Sarah Young and Will Waterman)


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Notes from the Vault
Larry D. Wall
March 2014
Have U.S. taxpayers been fully compensated for their bailout of the government-sponsored enterprises (GSEs) Fannie Mae and Freddie Mac? The Treasury is reported to have argued that "the value of Treasury's commitment to the GSEs was "incalculably large,'" with the implication that it could never be repaid. Richard Epstein, the Peter and Kirsten Bedford Senior Fellow at the Hoover Institution, responded that "the level of the Treasury commitment was not 'incalculably large': it was $188 billion, all of which will shortly be repaid." The significance of Epstein's argument is that if Treasury has been fully compensated for its bailout of Fannie and Freddie, a case can be made that the future profits of the two GSEs should go to their private shareholders. [Author's note: Epstein responded to this post that he was referring to the situation in 2012, around the time of the third amendment to the Federal Housing Finance Agency's conservatorship agreement. In contrast, my analysis relates to the entire post-conservatorship period. However, many commentators have noted that the GSEs would soon pay dividends equal to the $188 billion without such a context, leaving the implication that taxpayers had been fully compensated. See, for example, here, here, and here.]
As an accounting matter, one could argue that Epstein is correct; the dividends equal the amount of Treasury funds provided to the GSEs. And as a legal matter, the issue may ultimately be resolved by the federal courts. However, as an economic matter, the value of the government's contribution clearly exceeds $188 billion once the risk borne by taxpayers is taken into account.
In this Notes from the Vault I examine the value of the taxpayers' contribution to Fannie and Freddie from an economic perspective. My analysis of these contributions is divided into three parts: (1) the GSEs' profitability prior to the 2008 conservatorship agreement (bailout), (2) the value of the taxpayer promise at the time of the bailout, and (3) support of new investments since they were placed in conservatorship.
The GSEs prior to conservatorship
The Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mae) have long been closely linked to the federal government (see W. Scott Frame and Lawrence J. White, 2005). Fannie Mae began as a government corporation chartered during the Great Depression. It was privatized in 1968, but continued to receive a variety of benefits from the federal government. Freddie Mac was chartered in 1970 and converted into a publicly traded company in 1989. It also received a variety of federal benefits. These charter benefits included a line of credit with the Treasury, exemption from state and local taxes, and the ability to issue "government securities" for the purposes of the Securities Exchange Act of 1934. These benefits, combined with prior federal support of distressed GSEs, gave rise to market perceptions of an implied federal guarantee.1 These perceptions increased the value of GSE guarantees and lowered their funding costs.
In effect, Fannie and Freddie were in a partnership with the federal government—with GSE shareholders bearing part of the risk and receiving all of the profits. In return, U.S. taxpayers bore all of the risk of loss in excess of the GSEs' very low capital requirements and received, at most, a small portion of the profits taxed away through the imposition of minimum lending requirements to low- and moderate-income households (the affordable housing goals).2 Thus, it's little wonder that in 1999, then Fannie Mae CEO Franklin Raines is reported to have stated "[w]e manage our political risk with the same intensity that we manage our credit and interest rate risks."3
Embedded losses at time of conservatorship
The decline in housing prices in 2007 and 2008 resulted in increasing levels of financial stress on Fannie and Freddie (see W. Scott Frame, 2009). On September 7, 2008, the Federal Housing Finance Agency placed the two GSEs into conservatorship. Along with this action, the Treasury entered into senior preferred stock agreements with Fannie and Freddie to insure that the value of their liabilities did not exceed the value of their assets. The Treasury initially committed up to $100 billion to each of the GSEs to maintain non-negative net worth. In return, the senior preferred stock accrued dividends at a rate of 10 percent per year, which increased to 12 percent if the dividends were not paid in cash.
That stock agreement with Treasury was subsequently modified three times. The third amendments with Fannie and Freddie in August 2012 effectively removed the limit on Treasury's promise to maintain positive net worth—that is, the Treasury would now cover the full value of whatever losses were incurred by each GSE. It also replaced the requirement of regular dividend payments with one that starting in 2013, each entity pay "the amount, if any, by which the Net Worth Amount at the end of the immediately preceding quarter exceeds zero." In other words, essentially all of Fannie and Freddie's profits are to be paid to Treasury.
Fannie and Freddie suffered $230 billion in losses in their businesses from 2008 to 2011, according to my calculations using the Federal Housing Finance Agency's first-quarter 2013 Conservator's Report. These losses far exceeded the two GSEs' book capital of $78 billion at the time of conservatorship, which would have resulted in a combined negative net worth of $152 billion absent the senior preferred stock purchases by Treasury, according to the Conservator's Report. In addition, Treasury earned $36 billion in dividends under the agreement effective until the beginning of 2012. In order to cover the losses in excess of capital and dividend payments, the GSEs drew $188 billion from Treasury, the figure cited by Epstein. Starting in 2012, both Fannie and Freddie have had positive earnings, which have been paid to the Treasury under the revised agreement. As asserted by Epstein, the GSEs' dividend payments from 2008 through the end of the first quarter of 2014 will exceed their respective draws.
So have Treasury and taxpayers been fully compensated for the value of their contribution to the GSEs? There are three issues to consider when answering whether $188 billion is sufficient repayment.
First, the use of the $188 billion in senior preferred stock purchases as the measure of Treasury's support deprives Treasury of any return on its investment from 2012 through 2014. The dividends paid to Treasury during 2008−11 were paid for by increasing the draw (Treasury buying more senior preferred stock) and, hence, included in the $188 billion "repaid" to the Treasury. However, the calculations cited by Epstein effectively apply 100 percent of the GSEs' payments in 2012 through 2014 to reducing the balance of Treasury's senior preferred holdings. If instead we assume that Treasury should have continued to earn a 10 percent dividend on its total holdings, then the GSEs would have owed substantially more dividends. Although a calculation of exactly how much more dividends is beyond the scope of this commentary, back-of-the-envelope calculations show the amount that should have been recorded exceeds $18 billion in 2012 alone.4 Further dividends would also have been due to the Treasury in 2013 and 2014.
Second, the calculations only compensate Treasury and the taxpayers for the losses that they bore and include no payments for the implicit capital they provided to the GSEs. That is, Treasury not only supplied funds to the GSEs but promised to bear any future losses, ultimately agreeing to provide unlimited funds to cover whatever losses were incurred in the future. Fannie and Freddie and their supporters certainly should recognize that committing to cover losses is valuable even if the losses do not arise—one of the GSEs' primary business activities involves the provision of just such a guarantee on the mortgage-backed securities they issue.
The value of the Treasury contribution in promising to cover any additional losses on the GSEs' pre-conservatorship loans could be measured as the fees demanded to cover such risks (as with Agency MBS or credit default swaps), or it could be measured as the expected return on the implicit capital that Treasury provided to the GSEs. Ideally, one would want to consider several different approaches to estimating the value and then take some sort of average, a task far beyond the scope of this post. A simpler task would be to get some sense of the perceived extent of the commitment during the crisis, for instance, by looking at the Treasury's estimates of its exposure at that time. The U.S. government's 2009 Financial Report (pages 81−82) notes that the Treasury had purchased $95.6 billion as of September 30, 2009. However, the Treasury estimated that its remaining liability under the senior preferred stock agreement ranged from a "best case" scenario of $76.9 billion to an "extreme case" of $206.7 billion, noting that "no value within the range is a better estimate than any other amount." Thus, the Treasury estimated that a reasonable upper bound on its total preferred stock purchases was about $300 billion.
A possible counterargument to the above analysis is that Treasury imposed an excessively high dividend rate of 10 percent for the senior preferred stock. In order to provide a rough approximation of what might be reasonable, I looked at economic data from the St. Louis Fed on the yield on high-risk bonds as proxied by the Bank of America Merrill Lynch U.S. High Yield CCC or Below Effective Yield (see chart). According to Standard & Poor's, a rating of CCC indicates the bond is still paying interest but is "currently vulnerable and dependent on favorable business, financial and economic conditions to meet financial commitments." That seems like a generous description of the condition of Fannie and Freddie at the time they were put into conservatorship.
What we can observe in the chart is that the 10 percent rate set in the senior preferred stock agreement is rather favorable to the GSEs over this period. The bond rate was over 15 percent at the time the GSEs were being put into conservatorship and the rate was being set on the senior preferred stock. The rate subsequently spiked at around 40 percent, and dropped below 10 percent only for brief periods prior to the latter part of 2013. [Author's note: Epstein points out that the GSEs also granted a warrant for the purchase of 79.9 percent of their common shares for a minimal price to the Treasury. However, at the time these warrants were granted, the GSEs were in financial distress and could not have survived without assistance. Thus, it is not clear these warrants had much value when granted.]
Thus, looking at the value of Treasury's contribution relative to the GSEs' pre-conservatorship business, we find that Treasury's $188 billion senior preferred stock holdings understate the value of its contribution by attributing no dividends to Treasury in 2012−14, by ignoring the value of Treasury's promise to absorb all of the GSEs' losses, and by using a senior preferred stock dividend rate that likely provided inadequate compensation for the risk Treasury bore as a creditor.
Postcrisis: government bore all of the risk of the new businesses
As we have seen, Fannie Mae's and Freddie Mac's pre-conservatorship portfolios generated major losses. Yet the GSEs have recently been able to generate large profits that allowed them to pay dividends equal to a substantial part of their draws from the Treasury. How did they do this? The primary reason is that a large fraction of their current portfolios consists of profitable business generated since the beginning of 2009. Indeed, Fannie Mae (page 2) reports that 77 percent of its book of single-family mortgage guarantees has been acquired since the start of 2009.
Moreover, the government's role in supporting the GSEs is not like debtor-in-possession financing of inventory for a manufacturer where the manufacturer's value-added comes from processing raw materials into final goods. The primary value-added of the GSEs is their promise of timely payment of principal and interest on the mortgage securities that they guarantee; and the sole reason that this promise has value in the post-conservatorship world is the implicit capital provided by the Treasury. As Alex J. Pollock states:
"Fannie and Freddie's most important business is guaranteeing mortgage-backed securities (MBS). Even with the government's $187 billion investment in them, their net worth has been zero, without it, hugely negative. What is the value of a guaranty from a guarantor with hugely negative capital? Zero. It is solely the fact that the government guarantees Fannie and Freddie's obligations that gives this business any revenue or profit at all."
Thus, as an economic matter, the post-conservatorship dividends paid to the Treasury did not arise from risks being borne by private shareholders. Rather, as pointed out by Felix Salmon, the payments came from—and can reasonably be considered a return on—the risks being borne solely by the Treasury (and taxpayers).
Concluding thoughts
The claim that the taxpayers and Treasury have been fully repaid for their support of Fannie Mae and Freddie Mac is based on an accounting calculation that does not withstand economic analysis. The claim that Treasury's commitment has been fully repaid attributes no dividend payments to Treasury starting in 2012, attributes no value to the government guarantee to absorb whatever losses arose in the pre-conservatorship book of business, and arguably reflects Treasury setting too low of a dividend rate on its senior preferred stock. Moreover, the profits that are being used to pay the dividends did not arise from the contributions of private shareholders but rather entirely reflect risks borne by the Treasury and taxpayers. Thus, the Treasury claim that the value of the aid was "incalculable" is an exaggeration; the value surely can be fixed within reasonable bounds. However, the implication of this claim, that the GSEs cannot repay the economic value on behalf of their common shareholders, is nevertheless accurate.
What should happen next to Fannie Mae, Freddie Mac, and government involvement in residential real estate finance is the subject of an ongoing debate, with a new bill introduced in the Senate earlier this month. I have considerable sympathy for the argument that Fannie and Freddie should not be kept in their current status. On the other hand, W. Scott Frame, Lawrence J. White, and I surveyed the major "reform" proposals and concluded that these proposals will result in taxpayers again being subject to very large risks in a future residential real estate downturn.
Larry D. Wall is the executive director of the Center for Financial Innovation and Stability at the Atlanta Fed. The author thanks Kris Gerardi, Scott Frame, Paula Tkac, and Larry White for helpful comments and Brian Robertson for research assistance. The views expressed here are the author's and not necessarily those of the Federal Reserve Bank of Atlanta or the Federal Reserve System. If you wish to comment on this post, please e-mail firstname.lastname@example.com.
1 For instance, the bailout of the Farm Credit System (see Julie Andersen Hill).
2 The GSEs returned part of the subsidy in the form of lower interest rates to mortgage borrowers. However, economic theory predicts that part of an input subsidy will be used to lower price and increase quantity demanded by a profit-maximizing firm, as I have previously explained. Thus, evidence that the GSEs lowered mortgage rates is not proof that they sacrificed profits to do so.
3 Nevertheless, whenever the topic of an implicit guarantee was raised in public policy debates, the two GSEs adamantly denied the existence of any such subsidy. Indeed, W. Scott Frame and I were treated to a lecture by a high-level Fannie Mae officer who asserted that no such subsidy existed and demanded that we rewrite a draft of our 2002 paper to take out any claims of a subsidy.
4 First, assume that all of the GSEs' 2012 payments could have gone to repurchasing Treasury's senior preferred stock at the start of the year, reducing the balance to $168 billion. At a dividend rate of 10 percent, the GSEs would then have owed $16.8 billion in dividends to Treasury. But this leaves only $2.2 billion of the $19 billion payment available to repurchase senior preferred shares. Thus, we can safely conclude that the balance could not have been reduced below $185.8 billion and hence that at a 10 percent rate, the required dividend would have exceed $18 billion.
W. Scott Frame and Lawrence J. White, 2005. "Fussing and Fuming over Fannie and Freddie: How Much Smoke, How Much Fire?" Journal of Economic Perspectives 19, 2 (Spring): 159–184.


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Early morning sunrise view of the mountains from Menaggio along Lake Como.
Sunrise view of the mountains from Menaggio along Lake Como.
Beautiful morning along the walkway in the main square of Menaggio.
A man catching a fish in the early morning in Menaggio.
Pathway along the water on the way to the Villa Balbianello in Lenno.
View of the rocks below the water on Lake Como.
Panoramic view of Lake Como.
The Villa Balbianello in Lenno.
The view across the lake from the Villa Balbianello.
Flags from all nationalities in Menaggio.
The small quaint town of Varenna.
Man fishing in the afternoon in Verenna.
Ducks trying to find their lunch.
After one duck was able to catch a fish all the others chased after him trying to get a bite.
A look across the lake from Varenna.
Along the dock you can see the town of Bellagio from Varenna.


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University of Michigan
Runs his own tutoring company
Carl taught upper-level math in several schools and currently runs his own tutoring company. He bets that no one can beat his love for intensive outdoor activities!
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University of Michigan
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Carl taught upper-level math in several schools and currently runs his own tutoring company. He bets that no one can beat his love for intensive outdoor activities!
Using linear equations to solve a geometric problem. In this case we are dealing with a rectangle. We're given some information about the sides and some information about the perimeter and asked to solve it. In general it's easier to first interpret what a word question is asking, if you draw a picture. It's always sort of good to sort of visualize what's happening.
Here we're given a rectangle, we have a width and we have a length and we know that these two add up, perimeter of the entire thing is going to add up to 70cm. The question that we actually need figure out is the length is 5 more than twice its width. This is the statement relating length and width, so we need to actually figure out how we can relate that into an equation.
So length is 5 more than twice its width. What I first see is that the length is actually longer than the width. We know that we have length and width and they're somehow related. And we know that the length is, first is see twice its width, so it's related to twice its width. If we have width of 5 that means this length is 10, multiply the width by 2 in order to get length. So twice width, this tells us that twice the width is equal to length, but our equation says 5cm more than twice its width. We need to add 5 to one of these sides. If it's 5 more than twice, I mean this is going to be over here with the length and you can always check your work, once you get in the middle of an equation make sure it makes sense.
So say width is 10, we plug in 10 for width, 10 times 20 our length would be 25. Is our length in fact 5cm more than twice its width? Twice its width would be 20 plus 5, 25. We now have a relationship that actually checks out. Our length we know is 2w plus 5. That's our key relationship.
Perimeter, so we have this relationship we also we're looking for the perimeter of a rectangle. Perimeter of a rectangle is, we have two widths and two lengths. But we also know that length is equal to this guy over here, plug that in right there, perimeter is equal to 2(2w plus 5) plus 2w. And our last little piece that we need to use is our perimeter is 70. Plugging 70 in we now have a linear equation with w that we can solve for.
Again the hardest part of these problems is taking a word problem, getting that equation. Once we're here we just use our rules of math. Distribute out this 2, 70 is equal to 4w plus 10 plus 2w. Combine like terms, 70 is equal to 6w plus 10, solving for w, subtract 10 over, 60 is equal to 6w. Finish it up divide by 6, w is equal to 10.
Again the question is asking for the length and the width, so we found our width, plug that into our relationship here plug 10 in, 2 times 10 is 20 plus 5, 25. Somehow I actually ended up choosing the right number in our relationship. That probably isn't going to work all the time but we managed to figure it out, creating our equation, solving it out for length and width.