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Investors do all sorts of foolish things in search of "guaranteed" returns. But the bigger fools are those who fail to take advantage (in some cases) and beware of (in other cases) things that really are guaranteed.
I've made a list of eight for you to think about.
By "guarantee," I mean a promise or assurance that something will happen, that the outcome is certain. Of course I know that nothing in life is absolutely certain (although death and taxes come pretty close), but I believe the following guarantees are 99.9% reliable.
One: I guarantee you will get more money from a bank certificate of deposit that pays a higher rate than one paying a lower rate. As obvious as this is, millions of investors ignore it.
Washington Federal pays 1.5% on five-year standard (non-jumbo) CDs; at Bank of America, the rate is 0.35%. Both CDs are covered by the FDIC guarantee. A $25,000 account will pay nearly $1,500 more in five years at Washington Federal. So why do retirees keep their money at Bank of America? Other than laziness, it beats me.
For the 50 or 60 minutes it might take to find and deal with the higher-paying bank, you could earn almost $1,500. Where else can you make that much money per hour?
The same is true of interest-bearing checking accounts, savings accounts and money-market funds.
Two: I guarantee that nobody knows the future. So why do so many retirees squander their savings and their common sense following salespeople or gurus (or neighbors for that matter) who claim to know what's ahead?
The next time somebody assures you that you "can't miss" on some investment, remember the sad story of a man I know who, based on that "guarantee," put his life savings, and those of his wife and their kids, into stock of an individual company. A few weeks later that company declared bankruptcy.
Three: Wall Street doesn't want you to know this, but if you have any money invested in equities, I guarantee that you will lose money at some point. Investors are always eager to hear about my guarantees, but when I tell them this one, they react as if I am speaking a foreign language.
The good news is that it's relatively easy to build a portfolio that includes equity funds and is still likely to limit your losses. The bad news is that if you don't do that, you may engage in panic selling, locking in those losses forever.
Four: If you use index funds, you're guaranteed to get above-average returns. This seems to defy logic, but most of the time, the majority of active managers underperform their benchmark indexes. The main reasons are higher expenses and mistakes of timing and stock selection.
Over long periods of time, 10 to 20 years, index funds' returns are almost always in the top 10% in their respective asset classes.
Five: Within any asset class, a diversified portfolio is guaranteed to have less risk than a concentrated portfolio. Own a handful of stocks, and there's a reasonable (even if small) probability that one of them will get into serious trouble and pull down the overall return. But if you own 1,000 stocks, there's almost no chance that one or two will drag down the rest. (Of course, the entire asset class could decline in value, but that's a different topic.)
Six: If you pay a load or sales commission to buy a mutual fund, you are guaranteed to have lower returns than if you bought the same fund on a no-load basis. Pure mathematics makes this inevitable, and the longer you own the fund, the greater the real cost of the load.
If you invest $10,000 and pay a 5% front-end load, your account is worth only $9,500 at the end of the first day. If the fund earns 10% a year, after 25 years the account is worth $102,930. Had your entire $10,000 been invested, it would have been worth $108,347. The difference, $5,417, is entirely the result of the load, and it amounts to more than half your entire original investment.
Seven: Whether or not you pay a sales commission, if two funds have identical portfolios and management, the one with lower expenses is guaranteed to have a higher return.
This is most obvious with index funds. I have been unable to find any case of two comparable index funds in which the one with higher expenses also had a higher return. In the 10 years ended March 31, 2013, the Vanguard 500 Index Fund VFINX, +0.18% had a compound return of 8.42%. The DWS S&P 500 Fund SCPIX, +0.20% returned 8.15%. Most of the difference came from the two funds' expense ratios: 0.17% for the Vanguard fund versus 0.38% for the other.
Eight: Inflation is guaranteed over time to erode the spending power of every dollar you have when you retire. The future may include occasional periods of deflation, but over time there is no place to hide.
In addition, I guarantee that nearly every retiree underestimates inflation's long-term effect.
Over the past half century, U.S. inflation was approximately 4%. What you could buy for $100 50 years ago would cost about $700 now. Many people retire with at least 25 years left to go. At this 4% rate, that means they will someday have to pay $266 for the things that cost $100 at retirement.
Richard Buck contributed to this article.


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clydehistory on Family Tree Circles
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Journals and Posts
CLYDE FAMILIES from Victoria, Australia (Clyde 3978) 1840-1930 Families
Clyde Victoria 3978
Looking for information to enhance the history of Clyde Victoria 3978?
Please read the Clyde History website www.clydehistory.uphero.com
Find for your family by typing in their name on my home page search box.
Contact me at [email protected] if you have information, corrections, or questions.
Learn more about Clyde at http://clydehistorytools.blogspot.com.au/
Thank you
Hendersons in Clyde and Cranbourne area of Victoria, Australia
Editor of Clyde History website is looking for more information about the following Henderson families of the Clyde and Cranbourne area in Victoria.
Brothers, sons of JOHN AND SARAH HENDERSON (nee McClements) who are called ANDREW HENDERSON 1826-1880, THOMAS HENDERSON 1839-1929, JOSEPH HENDERSON 1831-1871. They were born in Newry, Ireland and are mentioned in first Post Office Directory for Victoria.
I have information to share about other Hendersons in the area.
See also my blog page
My contact email address is [email protected]
Looking for information about Charles C Wadey, Clyde Victoria, 1895 Australia
CHARLES C WADEY, was responsible for building the Nurses Quarters for the Royal Childrens Hospital, Melbourne and the Sanitarium in Chelthenham. He died in South Australia. While in living in Clyde he experimented in farming - growing flax.
More information is needed about this man for my website www.clydehistory.comyr.com
His great grand daugher, ELAINE LILLIAN WADEY, married David (?) sometime between 1977 and April 1980. Her parents RONALD HIRAM WADEY and Lillian Melba Wadey are buried in the Burwood Cemetery, Melbourne.
William SYKES, died 6 Oct 1887, formerly of CLYDE, Victoria, Australia.
William SYKES, an original Port Phillip Society member, moved from Brighton to CLYDE, Victoria, Australia, in 1856. He was a successful farmer and a lay preacher, initially from the BRIGHTON Wesleyan Methodist congregation. WILLIAM SYKES was a founding trustee for Cranbourne Cemetery.
In 1871 his ten year old son, Robert, drowned in a dam on their Clyde property. In 1880 he sold his Clyde farm and moved to ? DANDENONG. In May 1887 he was robbed after leaving a Melbourne bank prior to intending to sail to England. William Sykes died at sea on board the "Orient" 6 October, 1887. His grandson JOHN NORMAN SYKES was an active founding member of the Clyde Methodist Church 1909.
Three grandsons served in France in WW1- Robert Andrew Sykes was deafened, Alfred William Blenksinsop wounded and Charles Walter Sykes, younger brother of Robert Andrew, was killed.
Descendants of William Sykes may have the following family names
BULLOCK, CHAMPION, COCHRANE, BLENKINSOP, WYMARK. The name BICKFORD is often a second given name in the descendants of William Sykes.
William Sykes had seven children, including twin boys and two daughters. His children's names according to his Will are John (1843), Sarah Bullock( 1848), Eliza Dalton(1852), Alexander(1854),Thomas (1856) James Bickford (1861). One son William b 1846, married Julia Louisa MOORE and had at least 3 children - Mary, Emily, William. This family lived in ROSEDALE. Possibly there are Sykes descendants living in that area of south east Victoria.
Not mentioned in the Will is a daughter Ann who married a WYMARK. She lived in NSW. A Wymark family researcher is keen to meet more family members.
The researcher hopes to find family descendants who can confirm the accuracy of the details that have been uncovered.
A local CLYDE historian needs information for a website on the History of Clyde. Clyde 3978 Victoria History The original land, in Grices Road, Clyde North will soon be developed into a housing estate. It would be good if the family name could be remembered on the site.
Article by Joan Vanderhorn (Researcher) [email protected]
- Displaying 1-5 of 5 Journals
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Win the Capital One Ultimate Fan Experience with Bleachers in Las Vegas
August 13, 2017
Sweepstakes Name: Capital One's iHeartRadio Music Festival Ultimate Fan Bleachers Sweepstakes (the "Sweepstakes")
Station: iHeartRadio (the "Station") and Participating Stations. See Appendix A below.
Station Address: 32 Avenue of the Americas, New York, NY 10013
Telephone: (212) 424-6000
This Sweepstakes is sponsored solely by iHeartMedia + Entertainment, Inc. ("Sponsor"). Any questions, comments, or complaints regarding the Sweepstakes must be directed to the Sponsor. For a copy of a Winner List, please visit the office of the Station during normal business hours or send your request by mail at iHeartMedia + Entertainment, Inc. at 32 Avenue of the Americas, New York, NY 10013. For a copy of these Official Rules, please visit the website at www.iheartradio.com.
1. ELIGIBILITY. This Sweepstakes is open only to individuals who (i) are legal residents of the 50 states of the United States or the District of Columbia, (ii) who are current Capital One cardholders as of August 14, 2017 and who are at least 18 years of age or older at the time of entry (19 or older if a resident of Alabama or Nebraska), and (iii) who reside within the participating Station's Total Market Area ("TMA") (as defined by Nielsen Audio). Commonly, the TMA represents the Station's intended listening audience.
If you are not a legal resident of the United States, not located in the Station's TMA, or you are not the required age as of time of entry, you are not eligible to enter this Sweepstakes or to win a prize. Employees, contractors, officers and directors of Sponsor, its affiliates, parent companies, subsidiaries, divisions, suppliers, distributors and advertising, promotional and judging agencies, the Station, and any third party prize provider(s) and/or prize fulfillment service (collectively, the "Sweepstakes Entities"); individuals employed by any other radio and televisions station; and members of the immediate families (spouse and biological, adoptive or step-parents, grandparents, children, grandchildren and siblings, and each of their respective spouses regardless of where they reside) or households (whether related or not) of any of the above individuals are not eligible to participate in the Sweepstakes or win the prize.
Any person who has won a prize (or whose household has won a prize) in any promotion sponsored by Sponsor in the thirty (30) days prior to this Sweepstakes start date is not eligible to win a prize in this Sweepstakes.
Void outside participating Station's TMA and where prohibited by law.
2. DESCRIPTION OF SWEEPSTAKES/HOW TO ENTER. Sweepstakes begins on August 14, 2017 at 12:00:01 a.m. ET and ends at 11:59:59 p.m. ET on August 27, 2017 ("Entry Period").
How to Enter: During the Sweepstakes Period, visit www.iheartradio.com/capitalone, and click on the entry form. Then, complete and submit the entry form with all requested information (including your name, email address, phone number, address, date of birth, and/or any other information requested by the Sponsor) as well as the first six (6) digits of your Capital One card to receive one (1) entry into the Sweepstakes. Limit: One (1) entry per person/email address/household per Day during the Sweepstakes Period. For purposes of this Sweepstakes, a "Day" shall be defined as each calendar day, beginning at 12:00:00 am [ET] and ending at 11:59:59 pm [ET] on that same day, except for the first day of the Sweepstakes Period, August 14, 2017, which shall begin at 12:00:01 am [ET]. Entries must contain all information requested to be valid.
Bonus Entries:
There is one (1) way to earn bonus Sweepstakes entries available with online entry, as described below.
Upon completion of entry into the Sweepstakes, Entrants may:
(i) Click on the Social Media buttons to share on Facebook or Twitter for the chance to receive fifty (50) bonus entries for each social media follower who enters the sweepstakes using your unique link. Followers must enter the Sweepstakes using your unique link for bonus entries to be valid. No social media accounts are required to enter the Sweepstakes, and you do not have to "Like" or "Follow us" in order to gain an entry.
Limit of one (1) bonus entry per Entrant throughout the Sweepstakes Period, regardless of the social media entity used. Entries and bonus entries together shall herein be referred to as "Entries". All eligible Entries must be received by August 27, 2017 at 11:59:59 pm ET to be eligible. Entries must contain all information requested to be valid.
The Released Parties (as defined below) are not responsible for lost, late, undeliverable, illegible, damaged, stolen, misdirected, mutilated, or incomplete entries, regardless of cause. Multiple entrants are not permitted to share the same email address. Should multiple users of the same e-mail account or mobile phone number, as applicable, enter the Sweepstakes and a dispute thereafter arise regarding the identity of the entrant, the authorized account holder of said e-mail account or mobile phone account at the time of entry will be considered the entrant. "Authorized account holder" is defined as the natural person who is assigned an e-mail address or mobile phone number by an Internet access provider, on-line service provider, telephone service provider or other organization which is responsible for assigning e-mail addresses, phone numbers or the domain associated with the submitted e-mail address. Proof of submission of an entry shall not be deemed proof of submission or receipt by the Sponsor for online entries. When applicable, the Sponsor's computer will be deemed the official time keeping device for the Sweepstakes. Entries will be disqualified if incomplete and/or if prohibited multiple entries in excess of the states limit are received. All entries become the property of Sponsor and will not be acknowledged or returned.
By participating, you agree (a) to be bound by these Official Sweepstakes Rules; (b) as between you and the Sponsor, that the decisions of the Sponsor is final on all matters relating to the Sweepstakes; (c) you are not participating on behalf of any employer or third party; (d) in the event that you do not comply with these Rules, that you will be disqualified and your prize (if any) will be forfeited; and (e) (when applicable) the potential winner must be available to participate in any portion to the Sweepstakes that participation may be required to be considered eligible.
3. WINNER SELECTION. On or about August 13, 2017, the Sponsor will randomly select one (1) potential Sweepstakes winner from among all eligible entries collectively received during the Entry Period. Odds of winning a prize depend on the number of eligible entries received.
Potential Sweepstakes winner(s) is subject to verification, including verification of eligibility. If an entrant is unable to verify his/her information, the entrant will automatically be disqualified and their prize, if any, will be forfeited. The Sponsor reserves the right to determine an alternate winner in accordance with these Official Rules in the event that that any winner is disqualified, cannot be contacted, or is deemed ineligible for any reason, or is not available to participate in any applicable Sweepstakes events.
The potential winner will be notified by phone at the phone number provided during registration. THE SPONSOR WILL CALL THE POTENTIAL WINNER THREE (3) TIMES WITHIN ONE (1) HOUR. THE POTENTIAL WINNER MUST ANSWER ONE OF THE CALLS. IF THE POTENTIAL WINNER DOES NOT PICK UP ONE OF THE CALLS WITHIN THAT HOUR, THE POTENTIAL WINNER WILL BE DISQUALIFIED AND SPONSOR WILL RANDOMLY SELECT THE NEXT POTENTIAL WINNER, WHO WILL ALSO BE NOTIFIED IN THE SAME METHOD ON THE SAME DAY. Sponsor is not obligated to and will not leave a voicemail or other message when contacting the potential winner. Notification is deemed to have occurred immediately upon placing of a phone call. The Sponsor is not responsible for any change of email address, mailing address, and/or telephone number of entrants. The Sweepstakes Entities are not responsible for and shall not be liable for late, misdirected or unsuccessful efforts to notify a potential winner(s), or (if the potential winner is a minor) for late, misdirected, or unsuccessful efforts of the entrant to provide signed parental or guardian consent. If the potential winner does not claim the prize within the appropriate time given upon, the entrant will automatically be disqualified and their prize will be forfeited.
As a condition of participating in the Sweepstakes, entrants agree and acknowledge that in order to receive a prize and be deemed a winner, entrants must sign an official waiver form provided by the Sponsor and agree to the terms herein, including but not limited to the prize conditions. If eligible entrants include minors, a parent or guardian of such eligible minor must sign a release on behalf of the minor to be eligible to receive a prize, but the Sponsor reserves the right to refuse to award a prize to or on behalf of any minor. The potential prize winner and, if a potential prize winner who is an eligible minor in his/her state of residence, the potential prize winner's parent or guardian, may (in Sponsor's sole discretion) be required to sign and return a declaration of eligibility and any other form necessary to verify eligibility, along with the required releases within twenty four hours after the first delivery attempt to entrants e-mail address in order for the potential prize winner to be qualified for the prize, unless otherwise stated herein or at the time of notification. The potential prize winner's failure to return all required forms within this time period may result in the potential winner being disqualified and, in such event, the Sponsor may randomly select an alternate winner from among all remaining eligible entries, as determined by Sponsor in its sole and discretion.
One (1) Grand Prize:
Prize Package will include the following:
A trip between Friday, September 22 and Sunday, September 24, 2017 for the Grand Prize Winner and one (1) guest to attend the 2017 iHeartRadio Music Festival on Friday, September 22 and Saturday, September 23, 2017 and the 2017 iHeartRadio Music Festival Daytime Village on Saturday, September 23, 2017 in Las Vegas, NV. Each prize includes:
- Round trip, coach, air travel for one (1) winner and one (1) guest from the major airport nearest the winner's residence (as determined by the Sponsor) to the major airport nearest Las Vegas, NV;
- Airport ground transfers in Las Vegas, NV to the winner's hotel determined at the sole discretion of the Sponsor;
- Two (2) nights hotel stay September 22 – 24, 2017 for the grand prize winner and one (1) guest in Las Vegas, NV determined at the sole discretion of the Sponsor;
- Two (2) tickets to each night of the iHeartRadio Music Festival (the "Concert") on September 22 and 23, 2017;
- Two (2) tickets to the Daytime Village Presented by Capital One (the "Pre-Show") on September 23, 2017;
- Two (2) tickets to the Capital One's iHeartRadio Music Festival Kickoff Party featuring Little Mix on September 22, 2017;
- A meet & greet for two (2) people with an iHeartRadio Music Festival artist;
- The opportunity for the one (1) winner and one (1) guest to ride the roller coaster at the New York New York Hotel in Las Vegas, NV with Jack Antonoff of Bleachers
All prizes provided by iHeartMedia + Entertainment, Inc.
Approximate Retail Value ("ARV"): $4,000.
Prize value may vary depending upon departure location and time of travel. Other restrictions apply.
No more than the advertised number of prizes shall be awarded. The prize is subject to certain terms and conditions as specified herein. A prize may not be sold, traded, or commissioned, and is not exchangeable, transferable, substitutable, or redeemable for cash except in Sponsor's sole discretion. Prize details and availability are subject to change. Sponsor is not the supplier or guarantor of any prize, unless otherwise specified. Prizing may be fulfilled by a third party fulfillment Sponsor. The prize will only be awarded if properly claimed according to the Rules. All costs and expenses related to the prize acceptance, the prize, and/or prize use not specified herein as being provided are the sole responsibility of winner(s).
Odds of Winning: The odds of winning the prize depend on the number of eligible entries received.
No person under the age of 18 years will be permitted to travel; anyone under the age of 21 years must travel with person 21+ years. A MINOR MAY ACCOMPANY WINNER AS A TRAVEL GUEST ONLY IF THE WINNER IS THE MINOR'S PARENT OR LEGAL GUARDIAN. MINORS MUST BE ACCOMPANIED AT ALL TIMES DURING TRIP (INCLUDING, BUT NOT LIMITED TO, IN-FLIGHT, HOTEL STAY AND ALL PRIZE-RELATED EVENTS) BY MINOR'S PARENT OR LEGAL GUARDIAN. IF WINNER IS ELIGIBLE, BUT UNDER THE AGE OF 21, HE/SHE MUST TRAVEL WITH AND BE ACCOMPANIED BY SOMEONE OVER THE AGE OF 21. THE TRAVEL GUEST MUST BE 21 YEARS OR OLDER AND MUST ACCOMPANY THE UNDER 21 YEARS OF AGE WINNER AT ALL TIMES DURING TRIP (INCLUDING, BUT NOT LIMITED TO, HOTEL STAY AND ALL PRIZE-RELATED EVENTS).
Prize Conditions: Actual value of trip may vary based on point of departure and airfare fluctuations. Any difference between stated approximate retail value and actual value of prize will not be awarded. All prize details not specified in the Official Rules will be determined in Sponsor's sole and absolute discretion. Selection of the airline, departure and arrival airport, and hotel are solely within Sponsor's sole discretion. If, in the judgment of the Sponsor and/or any third-party company fulfilling the prize, air travel is not required due to winner's proximity to Las Vegas, NV, ground transportation will be substituted for roundtrip air travel at the Sponsor and third-party fulfillment company's sole and absolute discretion. The difference in value will not be awarded to the winner. Prizes are non-transferable, are not redeemable for cash and no substitution will be made except as provided herein at the Sponsor's sole discretion. Sponsor reserves the right to substitute a prize for one of equal or greater value if the designated prize should become unavailable for any reason.
Winner is solely responsible for any and all expenses and incidental travel costs not expressly stated in the prize description herein, including but not limited to ground transportation to/from each winner's residence and airport of departure, meals and beverages, in-room charges (e.g., mini-bar, room service, telephone, movies, etc.), gratuities, travel upgrades, baggage fees, and personal incidentals. Winner and guests must travel on dates designated by the Sweepstakes Entities, on the same itinerary. Grand Prize Winner must be available to travel to Las Vegas, NV within specified dates between Friday, September 22, 2017 and Sunday, September 24, 2017; no alternate travel dates are available. In the event the Grand Prize Winner cannot travel on the dates designated by Sponsor, such winner may be disqualified and the prize may be awarded to an alternate winner provided sufficient time remains prior to the travel. Winner and guests will be required to provide a valid major credit card or some other acceptable form of payment, as determined in the hotel's sole discretion upon hotel check-in and all in-room charges, telephone calls, meals, beverages, hotel upgrades, amenities, personal incidentals and any other expenses charged to the winner's hotel room will be charged to that major valid credit card or deducted from the deposit provided.
Travel is subject to availability and terms and conditions set forth in these Official Rules and those set forth by selected travel providers, availability and other material restrictions may apply. Sweepstakes Entities are not responsible for any fees or additional charges resulting from a winner's or guest's change(s) to itinerary or accommodations. Winners and guests must have all necessary identification and/or travel documents (e.g., a valid U.S. driver's license) required for travel and are solely responsible for obtaining such valid identification (e.g., a valid U.S. driver's license or a valid U.S. passport) prior to travel and the associated costs for these requirements. Sweepstakes Entities shall not be responsible for any cancellations, delays, diversions or substitution or any act or omissions whatsoever by the air carriers, hotels or other transportation companies or any other persons providing any of these services and accommodations to passengers including any results thereof such as changes in services or accommodations necessitated by same. Sweepstakes Entities shall not be liable for any loss or damage to baggage. If the winner becomes disabled or cannot otherwise fully enjoy the prize due to illness, Sweepstakes Entities shall have the option at its sole discretion of being relieved of liability for fulfillment of the prize award and no other compensation in lieu of the prize will be awarded. Each winners and guest is responsible for obtaining his/her own medical and life insurance and the associated costs. All travel is subject to any and all restrictions instituted by the Department of Defense and/or Department of Homeland Security, as required. Each winner and guest agrees to comply with all applicable venue regulations in connection with the concert. Sweepstakes Entities and the applicable venue representatives reserve the right to remove or to deny entry to winner who engage(s) in a non-sportsmanlike or disruptive manner, or with intent to annoy, abuse, threaten or harass any other person at the concert or meet and greet event or in any other objectionable behavior. Once travel guests are selected, they may not be substituted, except in Sponsor's sole and absolute discretion. Airline tickets are non-refundable/non-transferable and are not valid for upgrades and/or frequent flyer miles. All airline tickets are subject to flight variation, work stoppages, and schedule or route changes. Additional prize award details and travel information to be provided to the winner at the time of notification. Lost, stolen, or damaged airline tickets, travel vouchers or certificates or concert or event tickets will not be replaced or exchanged.
All travel guests must be at least 18 years of age or older at time of entry. Travel guests must sign and return a travel release before any ticketing of travel occurs. Additional prize award details and travel information to be provided to the winner at the time of notification. Winner will be required to complete and return all releases and forms within three (3) days of date of receipt the applicable forms and releases, unless otherwise specified thereon. Winner must sign a prize acceptance form, a W-9 form, an affidavit or verification of eligibility, and a liability/publicity release (where permitted) signed by both the winner. Unclaimed prize(s) will not be awarded. Certain travel restrictions and blackout dates may apply. The Sweepstakes Entities shall in no way be responsible for any travel delays, flight cancellations or difficulty. If travel delays, cancellations or difficulty prevent arrival in time for any and all elements of trip, the Sweepstakes Entities are not responsible for awarding any compensation in lieu thereof. Failure to collect or properly claim any prize in accordance with these rules will result in forfeiture of the prize. If forfeited for any reason, winner will not receive any other prize substitution or compensation, and the prize will remain the property of the prize provider and/or the Sweepstakes Entities and will not be awarded, except as provided herein. Winner agrees to accept all blackout dates, space availability requirements, etc. established by the Sweepstakes Entities' prize partner(s), such as hotels, airlines, trains, ships, concert or event venues etc. Winner must comply with all applicable laws, and any rules and regulations established by the Sweepstakes Entities' prize partner(s), if any; such as hotels, airlines, trains, ships, concert or event venues etc. Winner agrees that acceptance of any trip taken as a prize is done so entirely upon their own initiative, risk, and responsibility. BY ACCEPTING PRIZE, WINNERS ACCEPT THE INHERENTLY DANGEROUS NATURE AND RISK IN ANY TRAVEL OR TRANSPORTATION, SUCH RISK INCLUDING PERSONAL INJURY AND/OR DEATH, ACKNOWLEDGES THAT HIS/HER PARTICIPATION IN THE PRIZE EVENT IS VOLUNTARY, ACKNOWLEDGES THAT THERE ARE NATURAL FACTORS AND OCCURRENCES WHICH MAY IMPACT ON OR AFFECT THE SAFETY OF THE ACTIVITIES HE/SHE IS PARTICIPATING IN AND HE/SHE ASSUMES THE RISK OF SUCH FACTORS AND OCCURRENCES AND AGREES THAT THE RELEASED PARTIES (as defined below) SHALL NOT BE IN ANY WAY RESPONSIBLE FOR ANY RESULTING INJURY AND/OR DEATH.
The meet & greet is subject to the talents' schedule and availability. The Sponsor is not responsible for any delay, cancellation or rescheduling of any event and no substitution or compensation shall be awarded. Sponsor reserves the right to not award the prize associated with that canceled event, meet & greet, and/or concert, without any payment or obligation to the winner or potential winner. Any provided tickets are subject to certain terms and conditions specified thereon. Location of seats and tickets are in Sponsor's sole discretion or may be predetermined as supplied by the Sponsor. The Sponsor reserves the right to substitute a prize, in whole or in part, with another prize (or prize component) of equal or greater value or alternatively may substitute such prize with a comparable prize (or prize component) of like per the Sponsor's discretion, if for any reason a prize, or any portion thereof, as described herein should become unavailable. The winner and guests agree to comply with all applicable venue regulations in connection with the meet & greet, concert and/or other Sweepstakes prize events. Sponsor and the applicable venue representatives reserve the right to remove or to deny entry to winner (and his/her guest) who engage in a non-sportsmanlike or disruptive manner, or with intent to annoy, abuse, threaten or harass any other person at the greet & meet, concert and/or other Sweepstakes prize event or in any other objectionable behavior. If, after a prize has been selected and ticketing has been completed, concert is cancelled, such portions of the prize will be forfeited and the Sponsor shall have no further obligation to winner. Winner(s) must present state authorized identification prior to being awarded the prize. Winner may be required to present a copy of a valid social security card and valid identification as a condition of participating or receiving any prize when winner will be issued an IRS Form 1099 reflecting the actual value of all prizes won. If actual value of the prize is less than the stated ARV, or the winner and/or if applicable, his/her guest(s) and/or eligible travel companion(s) forfeit, do not use, or are determined ineligible for any portion of the prize, the winner will not receive the difference between the actual and approximate retail value, and such difference will be forfeited.
Conditions and restrictions may apply. Limit: One (1) prize per person/household. ALL PRIZES ARE AWARDED "AS IS" AND THE SPONSOR DOES NOT MAKE (AND IS NOT RESPONSIBLE FOR) ANY REPRESENTATIONS, GUARANTEES, OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, IN FACT OR IN LAW, RELATING TO ANY PRIZE (INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE), AND ALL SUCH WARRANTIES ARE HEREBY DISCLAIMED.
5. TAMPERING AND DELIVERY DISCLAIMER.(a) The Sponsor, in its sole discretion, reserves the right to disqualify and prohibit from participating (and void such person's entries) any person, who the Sponsor determines (in its sole discretion) is or is attempting to: (i) tamper with the Sponsor's website and/or any part of the Sweepstakes; (ii) undermine the legitimate operation of the Sweepstakes by cheating, deception, or other unfair playing practices, (iii) or intending to annoy, abuse, threaten or harass any other entrants, the Sponsor, or the Released Parties or exhibits other unsportsmanlike behavior; and/or (iv) otherwise violate these Official Rules or the Terms of Use of the Sponsor's Website. (b) ANY ATTEMPT TO DELIBERATELY DAMAGE, CIRCUMVENT, OR DISRUPT THE SPONSOR'S WEBSITE (OR ANY PART THEREOF) OR UNDERMINE THE LEGITIMATE OPERATION OF THIS SWEEPSTAKES MAY BE A VIOLATION OF CRIMINAL AND CIVIL LAWS. SHOULD ANY SUCH ATTEMPT BE MADE, THE SPONSOR AND ITS LICENSEES (IF ANY) RESERVE THE RIGHT TO SEEK DAMAGES AND ANY OTHER AVAILABLE REMEDIES FROM ANY SUCH PERSON(S) RESPONSIBLE FOR ANY SUCH ATTEMPT TO THE FULLEST EXTENT PERMITTED BY LAW. EACH ENTRANT (OR, IF THE ENTRANT IS NOT OF AGE OF MAJORITY IN HIS/HER STATE OF RESIDENCE, THE LEGAL GUARDIANS THEREOF) AGREES TO INDEMNIFY AND HOLD HARMLESS THE SPONSOR AND ITS AGENTS FROM AND AGAINST ANY AND ALL CLAIMS, LOSSES, DAMAGES AND/OR LIABILITIES (INCLUDING REASONABLE ATTORNEYS' FEES AND EXPENSES) THAT MAY BE ASSERTED AGAINST OR INCURRED BY ANY OF THEM AT ANY TIME, IN CONNECTION WITH THE USE THEREOF, AND/OR BY ENTRANT'S BREACH OF ANY REPRESENTATION, WARRANTY OR COVENANTS ASSOCIATED WITH THIS SWEEPSTAKES.The use of any automated device, automated launching or entry software or any other mechanical or electronic means that permits the entrant to automatically enter or evaluate repeatedly is prohibited. The Sponsor disclaims all liability for any delays, misdelivery, loss, or failure in the delivery of any item sent by mail, courier, express, electronic transmission, or other delivery method.
Released Parties are not responsible for: (1) mechanical, technical, electronic, communications, telephone, computer, hardware or software errors, malfunctions or failures of any kind, including: failed, incomplete, garbled or delayed transmission of online entries, traffic congestion on telephone lines, the Internet or at any website or lost or unavailable network connections which may limit an online entrant's ability to participate in the Sweepstakes; (2) any injury or damage to entrant's or any other person's computer related to or resulting from participating in or downloading any information necessary to participate in the Sweepstakes; (3) any incorrect or inaccurate information, whether caused by entrants, printing errors or by any of the equipment or programming associated with or utilized in the Sweepstakes; (4) technical failures of any kind, including, but not limited to malfunctions, interruptions, or disconnections in phone lines or network hardware or software; (5) unauthorized human intervention in any part of the entry process or operation of the Sweepstakes; or (5) technical or human error which may occur in the administration of the Sweepstakes or the processing of entries.
The Sponsor further reserves the right to: (i) cancel, terminate, suspend, declare null or void, amend, alter, or modify the Sweepstakes, void any suspicious entries, rescind any prize, and/or determine absolute resolution, and/or an alternate method of conducting the Sweepstakes and/or awarding the prize(s) at any time, for any reason, or if, in the sole discretion of the Sponsor, it is impossible or impractical to complete or conduct the Sweepstakes as planned for any reason, including, but not limited to, infection by computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures of any sort, programming associated with or used in the Sweepstakes, by any human error which may occur in the execution of this Sweepstakes, or any other causes which effect the operation of the Sweepstakes or the rules of the integrity of the Sweepstakes have been violated or compromised in any way, intentionally or unintentionally by any person whether or not a entrant in the Sweepstakes and/or (ii) stop or conclude the Sweepstakes at any time without prior notice. Material changes to the Official Rules will be broadcast on-air, when practical. In the event of termination of the Sweepstakes by Sponsor, Sponsor reserves the right to award any prize(s) in a manner deemed fair and equitable by Sponsor.
6. PUBLICITY. Except where prohibited, by accepting a prize, winner(s) grant the Sponsor and Station(s) permission to use their names, characters, images, voices, and likenesses worldwide, in perpetuity, in any and all media now known or hereinafter invented in any and all marketing and promotional materials and waive any claims to royalty, right, or remuneration for such use. Each winner's name may be included in a publicly available winners list.
7. USE OF PERSONAL INFORMATION. The Sponsor will retain the entrant's personal data for a reasonable period of time to enable it to send that entrant any prize that they have won and to verify that these Official Rules have been complied with, and for accounting purposes. This data may be passed to a third party to enable such third party to fulfill any necessary requirements relating to the award of a prize. Any other use of personal data will be in accordance with, and subject to, the Sponsor's Privacy Policy located here. Entrant may have the opportunity to opt-in to receive emails from c third parties. In the event that entrant opts in to any available opportunities to receive information from a third party, that may or may not be associated with this Sweepstakes, entrant understands and acknowledges that his/her information will be provided to such third party and may be used by the third party as set forth in the third party's privacy policy. Any available opt-in opportunities are not required to enter the Sweepstakes, and opting in will not improve your chances of winning.
8. RELEASES, CONDITIONS, AND LIMITATIONS OF LIABILITY. By participating in the Sweepstakes, each entrant agrees to release and waive any and all claims of liability against the Sweepstakes Entities and any applicable third party fulfillment service and each of their respective employees and agents (collectively, the "Released Parties") from and against from any and all liability, loss or damage (including personal injury) incurred with respect to the conduct of or participation in the Sweepstakes, or the awarding, shipping/handling, receipt, possession, and/or use or misuse of any prize, including any travel related thereto. By accepting the prize, winner(s) hereby agrees that: (i) to release each of the Released Parties from any and all claims in connection with the Sweepstakes and the award or use of the prizes; and (ii) where allowed by law, sign a publicity release confirming consent to use the winner's name/likeness as set forth in Section 6 prior to acceptance of the prize. The Released Parties are not responsible or liable to any entrant or winner or any person claiming through such entrant or winner for failure to supply the prize or any part thereof, by reason of any acts of God, any action, regulation, order or request by any governmental or quasi-governmental entity (whether or not the action, regulations, order or request proves to be invalid), equipment failure, threatened terrorist acts, terrorist acts, air raid, blackout, act of public enemy, earthquake, volcanic eruption, war (declared or undeclared), fire, flood, epidemic, explosion, unusually severe weather, hurricane, embargo, labor dispute or strike (whether legal or illegal) labor or material shortage, transportation interruption of any kind, work slow-down, civil disturbance, insurrection, riot, or any other cause beyond the Sweepstakes Entities' sole control. Upon awarding the prize, the Sponsor will have no further obligation to winner.
9. TAXES. Any valuation of the prize(s) stated above is based on available information provided to the Sponsor, and the value of any prize awarded to a winner may be reported to the IRS as required by law. Each winner is solely responsible for reporting and paying any and all applicable federal, state, and local taxes, related to prize acceptance and use not specified herein. Each winner must provide the Sponsor with valid identification and a valid taxpayer identification number or social security number before any prize will be awarded. Any person winning over $600 in prizes from the Sponsor in a calendar year will be issued an IRS Form 1099 reporting the value of those prizes to the IRS.
10. CONDUCT AND DECISIONS. All decisions of the Sponsor will be final and binding on all matters relating to this Sweepstakes. Persons who violate any rule, gain unfair advantage in participating in the Sweepstakes, or obtain winner status using fraudulent means will be disqualified. The Sponsor will interpret these Rules and resolve any disputes, conflicting claims or ambiguities concerning the rules or the Sweepstakes and the Sponsor's decisions concerning such disputes shall be final. If, for any reason, more bona fide winners are notified than prize(s) available, prize(s) will be awarded in a random drawing from among all such persons. Inclusion in such drawing shall be each entrant's sole and exclusive remedy under such circumstances. Any reference in these Official Rules or as part of the Sweepstakes to the Sponsor's and/or Station's "discretion" and/or any exercise of discretion by the Sponsor or Station shall mean in Sponsor's and/or Station's "sole and unfettered discretion." The Sponsor further reserves the right to terminate the Sweepstakes if in its sole judgment, the rules or the integrity of the Sweepstakes have been violated or compromised in any way, intentionally or unintentionally by any person whether or not a entrant in the Sweepstakes. In the event the Sweepstakes is terminated, Sponsor will award the prize(s) in a random drawing from all eligible entries received prior to termination. If applicable material changes to the Sweepstakes rules will be broadcast on-air and available on-line at the Station's website, when practical. The Sponsor's failure to enforce any term of these Official Rules shall not constitute a waiver of this provision.
11. BINDING ARBITRATION. Any controversy or claim arising out of or relating to the Sponsor Sweepstakes shall be settled by binding arbitration in a location determined by the arbitrator as set forth herein (provided that such location is reasonably convenient for claimant), or at such other location as may be mutually agreed upon by the parties, in accordance with the procedural rules for commercial disputes set forth in the Comprehensive Arbitration Rules and Procedures of JAMS ("JAMS Rules and Procedures") then prevailing, and judgment upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. The arbitrator shall be selected pursuant to the JAMS Rules and Procedures. The arbitrator shall apply Texas law consistent with the Federal Arbitration Act and applicable statutes of limitations, and shall honor claims of privilege recognized at law. In the event that the claimant is able to demonstrate that the costs of arbitration will be prohibitive as compared to the costs of litigation, Sponsor will pay as much of the claimant's filing and hearing fees in connection with the arbitration as the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive. If any part of this arbitration provision is deemed to be invalid, unenforceable or illegal (other than that claims will not be arbitrated on a class or representative basis), or otherwise conflicts with the rules and procedures established by JAMS, then the balance of this arbitration provision shall remain in effect and shall be construed in accordance with its terms as if the invalid, unenforceable, illegal or conflicting provision were not contained herein. If, however, the portion that is deemed invalid, unenforceable or illegal is that claims will not be arbitrated on a class or representative basis, then the entirety of this arbitration provision shall be null and void, and neither claimant nor Sponsor shall be entitled to arbitrate their dispute. Upon filing a demand for arbitration, all parties to such arbitration shall have the right of discovery, which discovery shall be completed within sixty days after the demand for arbitration is made, unless further extended by mutual agreement of the parties. THE ARBITRATION OF DISPUTES PURSUANT TO THIS PARAGRAPH SHALL BE IN THE ENTRANT'S INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN THE CLAIMS OF OTHER PERSONS OR PARTIES WHO MAY BE SIMILARLY SITUATED. DO NOT ENTER THIS SWEEPSTAKES IF YOU DO NOT AGREE TO HAVE ANY CLAIM OR CONTROVERSY ARBITRATED IN ACCORDANCE WITH THESE OFFICIAL RULES.
12. MISCELLANEOUS. Sponsor reserves the right to determine eligibility should special circumstances arise, all decisions are considered final and binding. Sponsor disclaims any responsibility to notify entrants of any aspect related to the conduct of the Sweepstakes. As a condition of participating in the Sweepstakes, entrants agree (and agree to confirm in writing) that: (a) under no circumstances will entrant be permitted to obtain costs, judgments, or awards for, and entrant hereby knowingly and expressly waives all rights to claim or seek punitive, incidental, consequential, special, or any other damages, other than for actual, third-party out-of-pocket expenses, and in such limitation, entrant further waives any rights to have damages multiplied or otherwise increased; (b) any and all disputes, claims, or causes of action arising out of or connected with this Sweepstakes, or any prize awarded, shall be resolved individually, through binding arbitration as set forth above, without resort to any form of class action; and (c) any and all claims, judgments, and awards shall be limited to actual out-of-pocket costs incurred (if any), excluding attorneys' fees and court costs. Some jurisdictions do not allow the limitations or exclusion of liability, so the above may not apply to every entrant. Participation in the Sweepstakes constitutes entrant's full and unconditional agreement to, and acceptance of these Official Rules. Winning a prize is contingent upon entrant's fulfillment of all requirements set forth herein.
13. COMPLIANCE WITH LAW AND GOVERNING LAW. All issues and questions concerning the construction, validity, interpretation and enforceability of the Sweepstakes Official Rules, or the rights and obligations of entrant and Sponsor in connection with the Sweepstakes, shall be governed by, and construed in accordance with, the laws of the State of Texas, U.S.A., without giving effect to the conflict of laws rules thereof, and any matters or proceedings which are not subject to arbitration as set forth in Section 11 of these Official Rules and/or for entering any judgment on an arbitration award, shall take place in the State of Texas, in the City of San Antonio.
Appendix A - Participating Stations
Market State Station New York NY WHTZ-FM New York NY WKTU-FM New York NY WLTW-FM New York NY WWPR-FM Los Angeles CA KBIG-FM Los Angeles CA KIIS-FM Los Angeles CA KOST-FM Los Angeles CA KRRL-FM Chicago IL WGCI-FM Chicago IL WKSC-FM Chicago IL WLIT-FM Chicago IL WVAZ-FM San Francisco CA KIOI-FM San Francisco CA KMEL-FM San Francisco CA KYLD-FM Dallas-Ft. Worth TX KDMX-FM Dallas-Ft. Worth TX KHKS-FM Houston-Galveston TX KODA-FM Houston-Galveston TX KQBT-FM Washington, DC DC WASH-FM Washington, DC DC WIHT-FM Atlanta GA WWPW-FM Philadelphia PA WDAS-FM Philadelphia PA WIOQ-FM Philadelphia PA WISX-FM Philadelphia PA WUSL-FM Boston MA WJMN-FM Boston MA WXKS-FM Miami-Ft. Lauderdale-Hollywood FL WHYI-FM Miami-Ft. Lauderdale-Hollywood FL WMIA-FM Miami-Ft. Lauderdale-Hollywood FL WMIB-FM Detroit MI WJLB-FM Detroit MI WKQI-FM Detroit MI WMXD-FM Detroit MI WNIC-FM Seattle-Tacoma WA KBKS-FM Seattle-Tacoma WA KUBE-FM Phoenix AZ KESZ-FM Phoenix AZ KMXP-FM Phoenix AZ KZZP-FM Minneapolis-St. Paul MN KDWB-FM Minneapolis-St. Paul MN KTCZ-FM San Diego CA KHTS-FM San Diego CA KMYI-FM San Diego CA KSSX-FM Denver-Boulder CO KPTT-FM Tampa-St. Petersburg-Clearwater FL WBTP-FM Tampa-St. Petersburg-Clearwater FL WFLZ-FM Tampa-St. Petersburg-Clearwater FL WMTX-FM Baltimore MD WZFT-FM St. Louis MO KBWX-FM St. Louis MO KMJM-FM St. Louis MO KSLZ-FM Portland, OR OR KKCW-FM Portland, OR OR KKRZ-FM Portland, OR OR KXJM-FM Charlotte-Gastonia-Rock Hill NC WHQC-FM Riverside-San Bernardino CA KGGI-FM Pittsburgh, PA PA WKST-FM San Antonio TX KQXT-FM San Antonio TX KXXM-FM San Antonio TX KZEP-FM Sacramento CA KHYL-FM Salt Lake City-Ogden-Provo UT KJMY-FM Salt Lake City-Ogden-Provo UT KZHT-FM Cincinnati OH WKFS-FM Cleveland OH WAKS-FM Orlando FL WMGF-FM Orlando FL WXXL-FM Austin TX KHFI-FM Austin TX KPEZ-FM Columbus, OH OH WNCI-FM Columbus, OH OH WZCB-FM Raleigh-Durham NC WDCG-FM Milwaukee-Racine WI WKKV-FM Milwaukee-Racine WI WRNW-FM Providence-Warwick-Pawtucket RI WSNE-FM Nashville TN WRVW-FM Nashville TN WUBT-FM Norfolk-Virginia Beach-Newport News VA WMOV-FM Norfolk-Virginia Beach-Newport News VA WNOH-FM Norfolk-Virginia Beach-Newport News VA WOWI-FM Greensboro-Winston-Salem-High Point NC WMAG-FM Greensboro-Winston-Salem-High Point NC WMKS-FM New Orleans LA KVDU-FM New Orleans LA WQUE-FM New Orleans LA WYLD-FM West Palm Beach-Boca Raton FL WLDI-FM West Palm Beach-Boca Raton FL WOLL-FM Jacksonville FL WJBT-FM Jacksonville FL WKSL-FM Jacksonville FL WSOL-FM Oklahoma City OK KJYO-FM Memphis TN KJMS-FM Memphis TN KWNW-FM Memphis TN WHRK-FM Hartford-New Britain-Middletown CT WKSS-FM Richmond VA WBTJ-FM Richmond VA WRVQ-FM Richmond VA WTVR-FM Louisville KY WLGX-FM Louisville KY WNRW-FM McAllen-Brownsville-Harlingen TX KBFM-FM McAllen-Brownsville-Harlingen TX KHKZ-FM Rochester, NY NY WDVI-FM Rochester, NY NY WKGS-FM Rochester, NY NY WVOR-FM Greenville-Spartanburg SC WMYI-FM Ft. Myers-Naples-Marco Island FL WBCG-FM Ft. Myers-Naples-Marco Island FL WBTT-FM Ft. Myers-Naples-Marco Island FL WZJZ-FM Birmingham AL WMJJ-FM Birmingham AL WQEN-FM Tucson AZ KMIY-FM Tucson AZ KOHT-FM Tucson AZ KRQQ-FM Honolulu HI KHJZ-FM Honolulu HI KSSK-FM Dayton OH WCHD-FM Dayton OH WMMX-FM Albany-Schenectady-Troy NY WKKF-FM Albany-Schenectady-Troy NY WRVE-FM Tulsa OK KTBT-FM Fresno CA KBOS-FM Fresno CA KFBT-FM Fresno CA KSOF-FM Grand Rapids MI WSNX-FM Grand Rapids MI WSRW-FM Albuquerque NM KOLZ-FM Albuquerque NM KPEK-FM Allentown-Bethlehem PA WAEB-FM Des Moines IA KKDM-FM Omaha-Council Bluffs NE KISO-FM El Paso TX KPRR-FM El Paso TX KTSM-FM Charleston, SC SC WXLY-FM Wilmington, DE DE WRDX-FM Baton Rouge LA KRVE-FM Baton Rouge LA WFMF-FM Akron OH WKDD-FM Harrisburg-Lebanon-Carlisle PA WHKF-FM Monterey-Salinas-Santa Cruz CA KDON-FM Monterey-Salinas-Santa Cruz CA KOCN-FM Stockton, CA CA KQOD-FM Columbia, SC SC WNOK-FM Columbia, SC SC WXBT-FM Chattanooga TN WKXJ-FM Syracuse NY WHEN-AM Syracuse NY WWHT-FM Syracuse NY WYYY-FM Colorado Springs CO KIBT-FM Colorado Springs CO KKLI-FM Colorado Springs CO KVUU-FM Springfield, MA MA WHYN-FM Spokane WA KCDA-FM Spokane WA KISC-FM Mobile AL WMXC-FM Madison WI WZEE-FM Toledo OH WRVF-FM Toledo OH WVKS-FM Wichita KS KRBB-FM Wichita KS KZCH-FM Lexington-Fayette KY WLKT-FM Lexington-Fayette KY WMXL-FM Melbourne-Titusville-Cocoa FL WFKS-FM Melbourne-Titusville-Cocoa FL WLRQ-FM Augusta, GA GA WBBQ-FM Augusta, GA GA WKSP-FM Augusta, GA GA WPRW-FM Ft. Collins-Greeley, CO CO KSME-FM Lancaster PA WLAN-FM Worcester MA WSRS-FM Roanoke-Lynchburg VA WJJS-FM Modesto CA KJSN-FM Modesto CA KOSO-FM New Haven CT WKCI-FM Portsmouth-Dover-Rochester NH WERZ-FM Pensacola FL WRGV-FM Fayetteville (North West Arkansas) AR KEZA-FM Fayetteville (North West Arkansas) AR KMXF-FM Youngstown-Warren OH WAKZ-FM Youngstown-Warren OH WMXY-FM Macon GA WIBB-FM Macon GA WRBV-FM Springfield, MO MO KGBX-FM Springfield, MO MO KTOZ-FM Salisbury-Ocean City MD WKZP-FM Salisbury-Ocean City MD WQHQ-FM Salisbury-Ocean City MD WSBY-FM Killeen-Temple, TX TX KIIZ-FM Beaumont-Port Arthur, TX TX KKMY-FM Biloxi-Gulfport-Pascagoula MS WMJY-FM Biloxi-Gulfport-Pascagoula MS WQYZ-FM Myrtle Beach, SC SC WLQB-FM Myrtle Beach, SC SC WWXM-FM Savannah GA WAEV-FM Savannah GA WLVH-FM Savannah GA WQBT-FM Savannah GA WYKZ-FM Davenport, IA IA KMXG-FM Davenport, IA IA KUUL-FM Montgomery AL WWMG-FM Montgomery AL WZHT-FM Asheville NC WQNQ-FM Ft. Smith, AR AR KZBB-FM Tallahassee FL WGMY-FM Huntington-Ashland WV WKEE-FM Poughkeepsie, NY NY WCTW-FM Poughkeepsie, NY NY WPKF-FM Poughkeepsie, NY NY WRNQ-FM Anchorage AK KGOT-FM Anchorage AK KYMG-FM Columbus, GA GA WAGH-FM Columbus, GA GA WGSY-FM Binghamton NY WBNW-FM Binghamton NY WMXW-FM Bryan-College Station, TX TX KKYS-FM Bryan-College Station, TX TX KVJM-FM Cape Cod, MA MA WCOD-FM Waco, TX TX KWTX-FM Winchester, VA VA WKSI-FM Tuscaloosa, AL AL WACT-AM Tuscaloosa, AL AL WZBQ-FM Florence, SC SC WJMX-FM Florence, SC SC WRZE-FM Laurel-Hattiesburg, MS MS WJKX-FM Laurel-Hattiesburg, MS MS WNSL-FM Laurel-Hattiesburg, MS MS WZLD-FM Lima, OH OH WBKS-FM Lima, OH OH WMLX-FM Panama City, FL FL WEBZ-FM Panama City, FL FL WFSY-FM Eau Claire, WI WI WBIZ-FM Albany, GA GA WGEX-FM Albany, GA GA WJIZ-FM Albany, GA GA WMRZ-FM Parkersburg-Marietta, WV-OH WV WRVB-FM Wheeling WV WKWK-FM Wheeling WV WVKF-FM Sussex, NJ NJ WHCY-FM Sussex, NJ NJ WSUS-FM Harrisonburg, VA VA WAZR-FM Harrisonburg, VA VA WSVO-FM Bismarck, ND ND KYYY-FM Sioux City, IA IA KGLI-FM Sioux City, IA IA KSFT-FM Williamsport, PA PA WKSB-FM Williamsport, PA PA WVRT-FM Brunswick, GA GA WQGA-FM Grand Forks, ND-MN ND KKXL-FM Fairbanks, AK AK KAKQ-FM Farmington, NM NM KAZX-FM Minot, ND ND KIZZ-FM Minot, ND ND KMXA-FM Gallup, NM NM KXTC-FM Defiance, OH OH WDFM-FM Somerset, KY KY WLLK-FM Chillicothe, OH OH WQLX-FM Mansfield, OH OH WYHT-FM Marion, OH OH


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My sister asked me this week, "What do you do with all the artwork? Because you do a lot more than we do, and I already don't know what to do with it all." Fair question, and one I don't have a perfect answer to, but it's worth discussing.
I have a big portfolio envelope for each of my children (two now for my oldest). You can find these at art supply stores but also at craft stores, including the ones that have weekly 40% off coupons–which is helpful if you're going to be buying for more than one child.
I try to label the back of the piece with the child's name and the date the artwork was done (usually just the month and year) before it goes into the envelope, but that hasn't always happened. I noticed there's a couple-year period there after my second was born during which very little got labeled, but I'm impressed, in retrospect, that anyone was doing any artwork at all and I managed to save any of it.
So, what goes into the envelope? I lean towards the sentimental when it comes to my children, so I put quite a bit in there. It's easier to start with what doesn't go in there. The seemingly millions of crayon creations on computer paper do not always find their way in there. Many of those go into the boys' "special paper" boxes, which also helps with their own decision making. (Sort of. They're both pack rats.) My six-year-old has his own pads of drawing paper, which helps keep the drawings in one spot for him. He can sit and draw in his room for hours, and these are his notebooks. The piles of paper that build up at the play table often get recycled once they're filled front and back with crayon by my toddler.
When I Googled this topic to see what others had written (I include links at the end of this post), I was amused how so many mentioned the endless stream of artwork that comes home from school. We don't have this issue. I don't know what happens to the projects my kids do in art class–I don't see much of it. (Yup, this bugs me.) My first-grader's teacher makes a good effort to include art in the daily classroom, and those pieces come home, often folded, and often with his name written by somebody else on the front. This pains me. WE DO NOT FOLD A CHILD'S ARTWORK. WE DO NOT WRITE ON IT. (Don't even get me started on CUTTING it.)
When a larger piece comes home from school, the first thing I'm usually doing is putting it under some heavy books to try and get out the fold line. Then I often pin it up on the big bulletin board in the kitchen for display, and after a while I rotate those, with the older pieces going into the envelope.
If my older son is any guide, the art work coming home from school is going to decrease sharply when my first grader goes to second grade.
We also have artwork from the art classes my six-year-old has taken. Many of these have been framed and are hanging in his room.
Those are not the only pieces of child art that are framed and hanging in my house. For years this frame (which is an inexpensive box frame) held a construction paper collage tree my oldest had made as a toddler/preschooler. When he brought home this painting in second grade, I replaced it.
(There's more, but I'm guessing you don't need to see all their framed work…)
The three-dimensional pieces are a bit harder to store. My oldest took pottery classes through a local town's recreation department for quite a while. He started at age five, so we have quite a variety in quality and usability. I have many pieces out, and I have many many more packed into several boxes in my closet.
I suggested he could give some to relatives as Christmas or Mother's Day presents, but he didn't really like that idea. My children are quite willing to give away the crafts they make (as long as we make one of whatever it is for ourselves, too), but they are extremely resistant to giving away their artwork.
As for the pieces we create at home, often I hang those up on the studio wall to serve as reminders of what we've done and what we can do, as well as inspiration. Actually, it's about time I clear some into the portfolio envelopes to make some more room on the walls. I also hang some pieces up on the bulletin board in the kitchen (you might recognize some of our projects in that photo of the bulletin board up there!). I admit to keeping every single easel painting G has done so far. (I have her brothers' too! Including a series N did when he was about four or five, exploring tints and shades of various colors.)
I'm not sure what I'll eventually do with all the pieces in the envelopes. When I organized them recently (with an eye towards neatening so I could start filing new pieces away, not with an eye towards winnowing), my oldest was delighted to see the things he'd made when he was his sister's age, as well as pieces he remembered creating.
"You're not the type of mother," he said, "who would just recycle stuff like this."
Nope. I'm sure at one point we might need to talk about culling the collection, but we're not there yet. I sort of see myself as the curator of my children's childhoods. What they choose to do with it later on is up to them.
Here are some articles I found that talk about this topic (although they don't necessarily all match my own philosophy):
Storing Children's Artwork on The Savvy Source
Sorting and Storing Your Child's Artwork on Real Simple
What to Do With All This Artwork? on Ask Kiddio
Have you found a solution that works for you? Please share in the comments!


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Carrie McNinch is a zine and mini-comic veteran of the first order. As the editor of Food Geek and an early innovator of diary mini-comics, she has gained a following by allowing readers into her personal life, sharing her experiences as a lesbian cartoonist whose anxiety and disconnectedness have led her into depression and alcohol abuse. Assassin and the Whiner Vol. 15 is one of the most compelling mini-comics I've read to date. For a diary comic, McNinch has taken great care in drafting daily entries, something that sometimes gets brushed over in other daily comics. You get the sense that McNinch is deadly serious when she discusses her comics as type of therapy. By reflecting on the serious and mundane together, you begin to see that McNinch's hang ups aren't at all strange or alien but intensely personal; you probably know someone who suffers from similar issues, if you yourself don't. Assassin and the Whiner is a great human story reflecting on personal struggle, loneliness and the little victories that keep us all sane.
Keep an eye out for other mini-comics by McNinch in the Zine Collection or check out Food Geek.


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Thursday, November 15, 2012
On Thanksgiving Day millions of Americans will gather with loved ones to celebrate our blessings. This year I created a Thanksgiving branch arrangement as a reminder of the blessings of friends and family. When guests come to my home during the season, I ask them to write a blessing or two on a card and then I hang it on a branch in the arrangement. It's been a great addition to my holiday traditions and I enjoy reading what my friends and family hold dear. Most people list their relationships and their faith. We could all fill a Thanksgiving blessing branch to overflowing with our own list of blessings. My blessings seem to fall into these categories: faith, family, friends, favor, and focus.
- Faith in a God that is good – always good.
- Family that makes me laugh and loves me in spite of myself.
- Friends who loyal and loving and funny and kind.
- Favor given by God who calls each of us his "favorite."
- Focus on my life's purpose.
"Give thanks to the Lord for he is good, his faithful love endures forever!" Psalm 107
Another Thanksgiving idea….
2 cups Bugles brand corn snacks
2 cups small pretzels
1 cup candy corn
1 cup dried fruit bits or raisins
1 cup peanuts or sunflower seeds
1 cup M&Ms-brand chocolate candy
16 Hershey's-brand chocolate kisses
In a large bowl, gently mix all ingredients except Hershey's Kisses.
Place 1/3 to 1/2 cup Thanksgiving Blessing Mix in small cellophane treat bags. Add one Hershey's Kiss to each bag. Close bag with chenille stem or twist-tie.
Makes 16 Blessing Mix gift bags.
Thanksgiving Blessing
Bugles: Shaped like a cornucopia or Horn of Plenty, a symbol of our nation's abundance.
Pretzels: Arms folded in prayer, a freedom sought by those who founded our country.
Candy corn: Sacrifices of the Pilgrims' first winter. Food was so scarce that settlers survived on just a few kernels of corn a day.
Nuts or seeds: Promise of a a future harvest, one we will reap only if seeds are planted and tended with diligence.
Dried fruits: Harvest gifts of our bountiful land.
M&Ms: Memories of those who came before us to guide us to a blessed future.
Hershey's Kiss: The love of family and friends that sweetens our lives.


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This is half just to get this subforum off to a good start, half because I am actually passively (2-5 years) looking at these.
If the ultimate in image quality is the goal, but smaller size and lower price are preferable, which super telephoto lens would you choose between all available systems, and why? Equivalent focal lengths around 600mm or more, with teleconverters attached if you want.
For example, I'm pretty impressed by the Canon 300mm f/4. Looks astounding, the size is not bad, and the price is low enough I cold get it and a DSLR camera for less than the price of a similar Olympus prime alone. Even better, it has great new teleconverters available.
Alternatively the Olympus 90-250mm f/2.8. Great image quality, though not quite up there with top-of-the-line primes, it is far better than any mortal zoom lens can dream of becoming. This is made up for by the fact that it zooms, and Olympus has a superior 1.4x teleconverter that effectively makes it a 126-350mm f/4 zoom lens with little discernible loss of quality. However, it is huge and expensive.
What would you choose?


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Keurig Insists Coffee DRM Brings 'Interactive-Enabled Benefits' And Is For Your Own Safety
from the I-got-this-scar-from-my-coffee-maker dept
Needless to say, Keurig users and the general public weren't particularly enamored of Keurig's plans to lock down their brewing options, with countless users taking to Twitter to complain. The company didn't seem prepared to handle the media reaction to their plans for java-based "DRM." Nor did they seem prepared to give anybody a straight answer, even though their own CEO already confirmed the pod-blocking functionality. As such, Keurig simply started insisting to anyone that asked that the new technology delivered "interactive-enabled benefits":
"To make brewing a carafe possible, and to continue to deliver everything Keurig lovers already enjoy – high-quality beverages, simplicity, and variety – our new Keurig 2.0 system will feature specially designed interactive technology allowing the brewer to read information about the inserted Keurig pack. With this interactive capability, Keurig 2.0 brewers will "know" the optimal settings for the inserted Keurig pack, for a perfect beverage every time, whether a single cup or a carafe. It's critical for performance and safety reasons that our new system includes this technology. For those of you who currently own our K-Cup or Vue systems today, we are so happy to have you as part of our family. Rest assured that your brewers will still function as they always have and that your favorite beverages will still be available."In other words, we must be able to lock competitors' pods (and manual refill units) out of the market to keep you safe from the dangers of potentially lower costs and dreaded coffee-related injury. It's also impossible for us to embed this obnoxious technology in older units, so those will continue to function as you prefer them to -- without us interfering in your purchase options. Sure, you're losing purchase options and will have to pay more for coffee, but isn't the security of knowing your family is safe from the dangers of coffee-related hazards worth it?


text: Sijun Forums :: View topic - Hi Log in to check your private messages Sijun Forums Forum Index >> Archive : Sep99 - Dec00 View previous topic :: View next topic Author Topic : "Hi" Guernicajunior memberMember #Joined: 30 Dec 2000Posts: 4Location: Antwerp Posted: Sat Dec 30, 2000 11:44 am Hi all. I am new at this but i would like to learn those things that everybody is posting here. Can anybody give me some links where i can learn this stuff ? Or sites with info about this ?. I already know my way in Photshop but i never tried this. Thanks Back to top El CaseronmemberMember #Joined: 31 Mar 2000Posts: 254Location: Germany near Hamburg Posted: Sat Dec 30, 2000 1:10 pm I never got the point bout your hate, master faust. Back to top El CaseronmemberMember #Joined: 31 Mar 2000Posts: 254Location: Germany near Hamburg Posted: Sun Dec 31, 2000 12:04 am Look at the tutorial at this page. There are more on http://www.3dpalette.org Welcome on board... btw Back to top faustgfxmemberMember #Joined: 15 Mar 2000Posts: 4833Location: unfortunately, very near you. Posted: Sun Dec 31, 2000 12:31 am 3dpalette makes baby jesus cry. ------------------ sky high with a heartache of stone you never see me 'cos i'm always alone email@example.com icq#35983387 http://faustgfx.0wns.org Back to top Display posts from previous: All Posts1 Day7 Days2 Weeks1 Month3 Months6 Months1 Year Oldest FirstNewest First Sijun Forums Forum Index -> Archive : Sep99 - Dec00 All times are GMT - 8 Hours Page 1 of 1 Jump to: Select a forum Digital Art----------------Digital Art DiscussionWork in ProgressGallery/Finished Work Miscellaneous----------------Random MusingsArchive : Sep99 - Dec00 You cannot post new topics in this forumYou cannot reply to topics in this forumYou cannot edit your posts in this forumYou cannot delete your posts in this forumYou cannot vote in polls in this forum Powered by phpBB © 2005 phpBB Group


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Common Eldarin
Common Eldarin is the primordial tongue of the Eldar, those Elves who left for Valinor.
Common Eldarin split off Primitive Quendian, the original language of all Quendi, or Elves, when the Eldar left Cuiviénen, since their language still evolved during the Great March.
Since the Eldar dominate the annals of the Elder Days, all the Elvish languages that appear, come from that branch. The Avarin languages possibly followed a wholly different evolution.
Common Eldarin led is the last common ancestor of Quenya and the [Telerin languages.
Minor changes of the Primitive Quendian brought the state of Common Eldarin. These changes had to do with several developments of the word-forms, usually normalization. For example:
- Medial h was lost
- PQ: -hô > CE: -ô
- "Difficult" consonant clusters, usually those with nasals (like bm and dn), were rearranged
- PQ: labmâ (root LAB) > CE: lambâ, PQ: stabnê (root STAB) > CE stambê
- 3t > cht
- PQ: ma3tâ > CE: mahtâ (pronounced machta)
- Final short -a, -e, -o are lost, sometimes producing a long monosyllable as their trace
- PQ: ndêro > CE: ndæ^r (kwende > quendë is an exception)
- Final short -i, -u became -e, -o
- wo > CE: wa
- a infiction in some stems which produced new diphthongs like ae, ao
- PQ: *melâ (root MEL) > CE *maelâ[1]
- Later stage
- final long -â, -ê, -î, -ô, -û became short.
During the Great March, dialects separated the uniformity of that language, and produced the Telerin branch.
- ↑ Vinyar Tengwar 39 p. 10


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WA - Minimum Wage Increase
Washington's minimum wage for next yearwill likely climb to over $9 an hour when the figure is...
< World-Wide Events Planners Beefing Up Security After Boston Bombing
Apr 16, 2013 07:10
Category: General News
Category: General News
Bombing At The Boston Marathon
BOSTON (AP) — Unlike previous Boston Marathon races, a blood stained pavement was left behind after yesterday's event, which ended in a deadly double explosion. At least three people were killed, including an 8-year-old boy. And some of the 144 people who were taken to local hospitals lost limbs. Seventeen people were critically wounded.


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Mission StatementThe mission of Strom Thurmond High School and the Strom Thurmond Career & Technology Center is to create a safe, energetic, and rigorous learning environment that will engage, empower, and enrich all students.
Contact Us
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Telephone: (803) 275-1768
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AI: Artificial Intelligence (US - BD)
Gabe's newly discovered love for this film is real, but his review is not...
Over the years Steven Spielberg has outputted some of the most wildly popular and beloved films of all time. His name is a brand, and his brand speaks deeply to perhaps the broadest audience possible. Stanley Kubrick basically did the same thing with his career, but with an emphasis on intellectualism over emotion, and a greater relationship with critics than audiences. Many consider the two artists' most prominent sensibilities somehow diametrical opposed, but in reality they were friends that greatly appreciated each other's work. The notoriously secretive and enigmatic Kubrick even shared a project with Spielberg called AI: Artificial Intelligence, and asked Spielberg to act as director after realizing the project matched his ET masterminded sensibilities. Based on Brian Aldiss' short story 'Super-Toys Last All Summer Long', AI is a reimagining of the Pinocchio story that takes place in a future where child rearing requires difficult to obtain licenses. In an effort to quell maternal instincts, a company called Cybertronics develops the first android capable of experiencing human love. In the Clockwork Orange and Jurassic Park tradition, the invention leads to all kinds of moral conundrums and subtext – the perfect vehicle for both filmmakers. After decades of development Kubrick died, and Spielberg decided to take the project on in honour of his friend, and went on to produce one of his most misunderstood, strange, and challenging motion pictures.
AI is a deeply haunting film, and one I don't enjoy revisiting on the same regular basis as Spielberg's other successful work. Every frame oozes dark subtext, every character is wracked with longing, and every story beat ends in heartbreak. The moral implications alone are the stuff of nightmares. Some critics accuse Spielberg of watering down Kubrick's intentions for the project, mostly because it's easy to pick on Spielberg's super-popular fantasy visions, but even without the oodles of behind the scenes information that proves Spielberg was pretty devoted to Kubrick's notes, not to mention the fact that Kubrick himself picked Spielberg as his partner on the project (for the record: Spielberg's inventions include the sex-fueled Rouge City, robo-whore Gigolo Joe and The Flesh Fair), I've never had any trouble considering AI a nearly perfect balance of both filmmaker's greatest strengths. The legion of critics that claim Spielberg softened Kubrick's intended blow confuse me to no end. I'm not sure how this vision could be any 'darker' without devolving into an impossibly nihilistic mess. I suppose Spielberg could've tossed in a few curse words to secure an R-rating, but I can't imagine AI being any more violent or tragic. Keep in mind my personal favourite list of motion pictures includes Battle Royale, Taxi Driver, Oldboy, Straw Dogs and Cannibal Holocaust. I'm no shrinking violet.
In terms of pure visual artistry AI often matches the achievements of all the most highly regarded filmed science fiction. At the very least, the look is specific and distinguished, even when it liberally quotes the same comic books and pulp illustrations that inspired Star Wars and Blade Runner. Spielberg and his crew create a recognizably stylistic, yet conceptually believable future, swimming with texture and beautifully contrasting styles. Not surprisingly this heavy stylization helps the decade old special effects stand up even in high definition, and will likely keep them at least somewhat relevant for another ten years. The film balances a realistic sense of technological evolution, and a fantastical sense of fairy tale rationale in an emotionally logical manner that transcends notions of realism, blurring the line between 'hard' sci-fi and quixotic fable. I'd even hazard to conceptually compare AI more to Hayao Miyazaki's animation than more obvious films like the previously mentioned George Lucas and Ridley Scott vehicles. It's also a more interesting companion piece to Minority Report than I'd previously credited it as. I once thought of AI as Spielberg winding up for a more adult take on his beloved sci-fi, but now I see that it's actually an entirely different brand of mature futurism. Minority Report (the film among the two I prefer) is a rather edgy neo-modern version of traditional film noir, with emphasis on character – all very Philip K. Dick. AI, on the other hand, adapts traditional parable into a more traditional adult arena, and is left open to greater conceptual interpretation. Both films are ultimately heavily rooted in a moralist sci-fi tradition, and both advocate healthy discussion, but the terms are wildly different, despite both carrying the clear stamp of the same general group of filmmakers.
It wouldn't be a Spielberg film discussion without an argument about the ending. For a man that could probably wear the badge of 'Best Living Film Director', Spielberg has rarely convincingly stuck a landing. Even his most universally celebrated pictures are not without their climatic controversies. In fact, I struggle to think of any ending the director got 100% right since ET, but unlike Minority Report or War of the Worlds, the ending of AI doesn't require leaps of faith or assumptions to the director's possible intensions. Unlike those films (or Jurassic Park, Schindler's List or Munich) I don't feel the need to defend or argue in favour of AI's final 30 plus minutes. I agree with the naysayers that the film works quite well if it ends with David praying to the Blue Fairy until the end of time, but also think the bittersweet coda speaks for itself, adds something genuinely profound to the story, and is akin to the post 'tunnel of light' sequence in 2001: A Space Odyssey (keep in mind that it was a part of Kubrick's treatment). The only major misstep I'd say Spielberg takes is in the tone of the Flesh Fair. The rock and roll imagery is slightly embarrassing at times (not to mention the fact that it dates the otherwise believably futuristic film), and the attempts at levity rob the truly horrifying moments of some of their nightmare juice (the Chris Rock-bot is way out of place), which I assume was Spielberg's traditionally Spielbergian intent.
AI is a visual bridge between the rugged, high contrast warfare of Saving Private Ryan, and the grainy, monochromatic widescreen glory of Minority Report. This is likely because of the developing relationship between Spielberg and cinematographer Janusz Kamiński, who has worked exclusively with Spielberg's since Schindler's List (for a good laugh check out Kamiński's pre-Spielberg fimography). In this regard AI is not the visual milestone Saving Private Ryan and Minority Report are, but it sits among the team's most controlled visual environments. My memories of the film are super clean, almost sterile, like 2001: A Space Odyssey, but the reality is something grainy, smoky and blown out, and this transfer is close to the recent War of the Worlds release in terms of DVD to Blu-ray upgrade. There aren't many superfine details to revel in, the frequency of grain is something some viewers will find oppressive, and the edges are all rather soft. This 1080p transfer is worth it for a lack of compression artefacts (specifically fuzzy edge enhancement and blocking effects), and the purity of colour elements. The early parts of the story are broken down into multiple colour chapters, each of which reflect David's emotional state. The first chapter is plain and desaturated, the second chapter is warm and vibrant, and the third chapter is dark and cold. The HD transfer maintains the intended integrity of these elements. The more impressive scenes, however, follow this first act, and take place in Rouge City and the Flesh Fair. These scenes show the most colour diversity, and feature neon contrast that would make Tron blush with envy.
This new uncompressed DTS-HD Master Audio 6.1 soundtrack matches the new 1080p transfer in that it is a measurable upgrade over the DVD release, but is not such an extreme makeover as to require a Blu-ray double-dip for fans. The first really exuberant aural moment comes around the one hour point when the Flesh Fair attacks David, Joe, and the unlicensed mechas. The sound design is reminiscent of real life equivalents, but everything is slightly mechanized and artificial. The moon balloon vibrates overhead, the motorcycles buzz throughout the channels, and John Williams' score kicks into a techno influenced overdrive. This is followed by the Flesh Fair itself – a celebration of violence against machinery set to a soundtrack by industrial pioneers Ministry. This sequence is brimming with screaming crowds, crunching machinery, and flaming explosions, all of which are featured largely throughout every channel. There's plenty more to the track worth celebrating (David's commandeering of a wet/dry helicopter, for example), but for the most part the music is a more telling aural element than the sound effects. And speaking of the music, I now realize this may be Williams' most overlooked work with Spielberg. It's not better than most of the composer's most celebrated music, but AI's music changes up styles in a manner Williams isn't known for employing, but still couldn't easily be mistaken for any other big name composer's work.
In keeping with Paramount's other catalogue Spielberg releases AI: Artificial Intelligence features extras ported over from the previous DVD special edition release. These add up to basically one big behind the scenes documentary, but are broken down into a series of featuettes beginning with 'Creating AI' (12:00, SD), which covers the basic inception, Kubrick and Spielberg's meetings, Spielberg's screenplay, which was the director's first solo credited script since Close Encounters of the Third Kind, and runs down the bulk of the collaborators by name. 'Acting AI' is divided into two subcategories – 'A Portrait of David' (9:10, SD) on casting Haley Joel Osment (Osment is creepily well-spoken in his interviews), and 'A Portrait of Gigolo Joe' (6:00, SD) on casting Jude Law. 'Designing AI' is broken into ' AI: From Drawings to Sets' (7:30, SD), an exploration of production design, and 'Dressing AI (5:30, SD), a look at the costume design. 'Lighting AI' (4:20, SD) covers Janusz Kamiński's impressive cinematography with the man himself. ' AI/FX[/i]' (7:40, SD) covers the more explosive and mechanically impressive practical effects. 'The Robots of AI' (13:40, SD) covers Stan Winston Studio's puppet and make-up work on the film. 'Special Visual Effects and Animation: ILM' is broken into 'An Overview' (5:10, SD), 'The Robots' (2:30, SD), 'The Miniatures' (4:20, SD), 'New York City Sequence' (2:50, SD) and 'Animated AI' (8:10, SD). 'The Sound and Music of AI' is split into, shock, 'The Sound of AI' (4:30, SD) with Gary Rydstrom, and 'The Music of AI' (5:50, SD) with John Williams. The featurettes are completed with 'Closing: Steven Spielberg: Our Responsibility to Artificial Intelligence' (2:20, SD).
The extras are closed out with two trailers, both in HD, and the ' AI Archives', a series of galleries including storyboards, designer Chris Baker's portfolio, the production design portfolio, ILM concept art, portrait gallery photographs by David James and Steven Spielberg behind the scenes photographs by David James.
The last ten years have been very kind to AI: Artificial Intelligence. I wasn't always the film's biggest fan, I'd even say I didn't really like it the first time I saw it, but with every subsequent viewing I find myself developing a greater respect for it. At this point I'm even willing to compare it favorably to Ridley Scott's Blade Runner. Both films were too dark for audiences upon release, are largely driven by experimental visuals, and were largely criticized for reasons that seem inapplicable so many years after release. If you would've told me I'd be saying this 10 years ago I probably wouldn't believe you, but that's the power of taking chances with mainstream art. This Blu-ray release is the perfect time to revisit the film and perhaps reevaluate your own opinions.
*Note: The images on this page are not representative of the Blu-ray image quality.
Review by Gabriel Powers
Some material may be inappropriate for children under 13
Disc Details
Release Date: 5th April 2011
Discs: 1
Disc Type: Blu-ray Disc
RCE: No
Video: 1080p
Aspect: 1.78:1
Anamorphic: No
Colour: Yes
Audio: DTS-HD Master Audio 6.1 English, Dolby Digital 5.1 French and Spanish
Subtitles: English SDH, French, Spanish
Extras: Creating AI, Acting AI, Designing AI, Lighting AI, AI/FX, The Robots of AI, Special Visual Effects and Animation, The Sound and Music of AI, Closing: Steven Spielberg: Our Responsibility to Artificial Intelligence, Trailers, Image Gallery
Easter Egg: No
Feature Details
Director: Steven Spielberg
Cast: Haley Joel Osment, Frances O'Connor, Sam Robards, Jake Thomas, Jude Law
Genre: Drama and Sci-Fi
Length: 145 minutes
8Review Guide
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They state that it collects bug and crash data and then chooses the best time to send that data based on when their servers are least busy. If there are no bugs or crashes, and even if the software has never been run, it still transmits something.
© 2010-2011 Ellora Assets Corporation. Privacy policy Terms of use.
FFmpeg has added Freemake Video Converter to its Hall of Shame. An issue tracker entry for this product, opened on 16 December 2010, says it is in violation of GNU General Public License as it is distributing components of FFmpeg project without including due credit. Ellora Assets Corporation has not responded yet.
Hi everybody,as promised yersterday we released an update with the fix of all found issues related to FreemakeUtilsService.1. Now FreemakeUtilService which aroused so much concern is installed only upon user's permission who wants to help improve Freemake. The bug with the running service was fixed.2. The service is uninstalled if software is uninstalled, no files are left. This was fixed too.3. If the service was installed with the previous software version, a user can opt out in the new version. In this case the service will be automatically removed from PC.Here to avoid confusion brought by some people we'd like to stress once again that the service didn't send before and doesn't send now any data if a user opted out.The only function of the aforementioned service is to collect our software usage stats which will allow us to improve Freemake further, to your benefit. In case of a crash report a user is asked an additional permission to send a report through dedicated message window.If permitted, the service runs when a user is online to synchronyze with our server for best time to send crash reports and usage stats. This is done to avoid our server time overload.A user is given full information about the service via a link to a webpage during software installation.-Facebook
So how would I go about debugging the service to see what it is doing/transmitting and where? If I am wrong, I will eat crow and apologize up and down. However, their actions are suspicious and I want proof.-y0himba (July 24, 2011, 12:45 PM)
You cannot say you fixed a "bug" and then say there was no issue.Honesty folks, honesty.
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The Beauty Benefits of Black Soap
Ingredients to Watch: Black Soap
Have you been searching for a natural alternative to help clear acne? Then black soap is the ingredient you want to use more of in your skin care regimen. This soap recipe has long been used by tribeswomen in West Africa, but now that its beauty benefits are out of the bag, black soap can be seen at your local beauty depot.
What is black soap?
Traditionally produced in West Africa, black soap is comprised of ash and oil. Some formulations even include plantain leaves, shea bark, cocoa pods, palm tree leaves, and coconut and olive oils.
The beauty benefits:
Not only does African black soap contain antioxidant-rich vitamins A and E, but its anti-inflammatory properties help prevent breakouts in acne-prone skin. Black soap is also a great, sulfate-free way to combat oily scalp.
The products:
Black soap has popped up on the skin care scene in a variety of formulations. Nubian Heritage, for instance, carries a Black Soap Bar ($4) for the body and face. And to hone in black soap's acne-blasting benefits, try Shea Terra Organics Rose Hips Black Soap Wash and Mask ($18) for the complexion. Finally, go with Shea Moisture Black Soap Dandruff Elixir ($10) for dry-scalp relief.


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Ralph Waldo Emerson
Ralph Waldo Emerson (1803 - 1882 / Boston / United States)
» Click to list general statistics » OR, select a date :
The Park
The prosperous and beautiful
To me seem not to wear
The yoke of conscience masterful,
Which galls me everywhere.
read more >>
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FREE GUN LOCK! - The Brown County Sheriff's Office has free gun locks available. You can pick one up in the lobby area of the LEC anytime during business hours.
Welcome, on behalf of the men and women who comprise the Office of the Sheriff Brown County, Minnesota. This site allows the Sheriff's Office the ability to allow you to access and view some of our organizational structure. The deputies, 911 dispatchers, correctional officers, and our clerical assistants are dedicated to serving the public with integrity and professionalism to provide the public with safety and security.
The citizens of Brown County can be proud of the operations of their Sheriffs Office. Through the support and dedication of the citizens of Brown County we have been able to achieve the success, both in equipment and personnel, to be able to operate in a heightened degree of efficiency.
We continue to face challenges that threaten the quality of life in Brown County. Through cooperation, communication, and problem solving we will continue to provide the necessary services that will enhance the quality of life and reduce the fear of crime.
Thank you for visiting the Brown County Sheriff's Office web site.
Sincerely, Rich Hoffmann Sheriff
Press Releases:
- Press Release - Motor Vehicle Crash.pdf
- Burglary Media Release.pdf
- Boat Safety.pdf
- Nixle Press Release.pdf
- Phone Scams.pdf


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Easy Listening piece, or "Muzak", suitable for animations but also ideal as background music in an elevator, supermarket or a telephone on hold i.e. in a comedy production.
Two versions are included: a normal full quality one and one with a high treble and low bass EQ to simulate the sound as though coming from a small speaker, both 2:09 in length


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Counterfeit prescription pharmaceuticals are widely recognized as a growing public health risk and a serious concern to public health officials, private companies, and consumers. This slideshow presents a shortened overview of the longer report, found here.
In some countries around the world, counterfeit prescription drugs comprise as much as 70% of the drug supply and have been responsible for thousands of deaths in some of the world's most impoverished nations, according to the World Health Organization (WHO). However, in most of the world's developed countries, effective regulatory systems and market controls cause an extremely low proportion of counterfeit pharmaceuticals, usually below 1%. But even patients in developed countries can still be affected by counterfeit drugs, and deaths linked to counterfeit drugs occur every year in the U.S. and Western Europe — and even more often in South America, Asia and Africa.
The counterfeit pharmaceuticals industry is estimated to be a billion-dollar industry, and some have estimated it to be vastly larger. Peter Pitts, President of The Center for Medicine in the Public Interest and former Food and Drug Administration Associate Commissioner, estimates that in 2010, activities related to counterfeit drugs generated $75 billion, and may grow by 20% annually in coming years. The $75 billion number is based on information obtained from government organizations, says Pitts. If this estimate is correct, the counterfeit pharmaceutical industry generates nearly as much cash as the world's fourth-largest health care company by revenues, AmerisourceBergen, with revenues of approximately $79 billion over the last 12 months.
In this CNBC.com special report,we look at the world of counterfeit pharmaceuticals — from where they're produced, to what is being done to combat them, to how they can hurt you.
By Paul Toscano
Posted 4 Oct 2011


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When guys think about a sexy woman (y'know, other than their wives), they think of the usual physical traits. The blond hair. Big boobs. Curvy hips. Not to mention the low-cut tops, Daisy Duke shorts, and high heels.
But there's so much more to being sexy than just the physical. I know, I know. A guy is admitting this. It's true, though. Honestly, a strong, confident woman can be just as alluring as Kate Upton. She'd be even more alluring if she looked like Kate, but that's neither here nor there.
What I'm saying is that yes, our society is hooked on looks. And with the evils of Photoshop running rampant in magazine spreads everywhere, the myth of perfection seems very real. Thing is, you can't date a magazine. At least not legally in the 50 states.
So instead, plant your feet on the ground and realize that all women are sexy in their own way. Some more than others. And ladies, want to know a few things that actually turn guys on? Here's a look at 8 of them:
Phallic Food -This one's really no secret. But if you think it's just a joke, you're pretty mistaken. Seeing a woman eat a banana or lick a lollipop in a very slow, methodical way is enough to drive even Willy Wonka bonkers.
Oh, Suzanna! - Like 90 percent of my classmates, I had a huge crush on Suzanna Hoffs from The Bangles when I was a kid. Remember that "Walk Like an Egyptian" video? Yeah. Remember that split-second scene where Suzanna does that little thing with her eyes where they move from right to left? Sigh. Yeah, that.
Stem Research - Like something out of P.T. Barnum's Circus, some women can take a cherry stem, put it in their mouth and with nothing but their tongue, tie it into a knot. We call these women blessed.
You Smelled It - Women just inherently smell good. Maybe it's all the bubble baths. Or the hand lotions and creams they use. Or the 19 different types of perfume. But the ol' olfactory senses really can do wonders in luring the opposite sex. Guys, on the other hand -- we pretty much just stink.
Laugh Track - When a woman is having a really great time laughing, where she just lets her guard down and has fun, it really can have an affect on guys. Unless, of course, that woman is Fran Drescher.
Guitar Hero - Music is a key ingredient in setting the mood. But there's just something special about seeing a woman pick up an electric guitar and start rocking out. Maybe because it's fairly unusual or maybe because music has a way of baring someone's soul. Or it could just be all that long hair flying around.
Trampoline Jumping - Seriously, do I really need to explain this one?
Name It - Just having a conversation with a woman might be all some guys ever hope for. But what really holds our attention is something surprisingly innocent ... our names. When the woman you're talking to calls you by name, she most definitely has gotten you to listen.
Image via Iryna Yeroshko/Flickr