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Stop Global Warming | Save Our Planet | Striking Campaign Ads
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Stop Global Warming | Save Our Planet| Striking Campaign Ads
credit to original artist of illustrations.
Stop Global Warming | Save Our Planet| Striking Campaign Ads
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Soap Flakes | More Eco Lifestyle
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Mobile Cinema
The Vintage Mobile Cinema built by the British government in the 1960s to promote "British Industry". It's said this one is the only one remaining from the total of 6 that were built.The concept is you can screen a movie anytime any where.
Complementing the 22 tiered seat theater is a state of the art audio/video system, which includes a 7.1-channel surround sound system and HD digital projection unit. They've also taken the great effort to sound proof the cabin and presumably retrofit it with an air conditioning unit.More...
Posted in mobile-cinema, mobile-cinema-UK, mobile-theatre, moving-cinema, moving-theatre, Vintage-mobile-cinema | 0 comments
Deep-fried Beer
Deep-fried Beer from Texas! Have you ever imagined fried beer? And that you can just have a sensational taste at a time of a bite of hot pretzel dough and a drink of beer?
The beer is placed inside a pocket of salty, pretzel-like dough and then dunked in oil at 375 degrees for about 20 seconds, a short enough time for the confection to remain alcoholic.
When diners take a bite the hot beer mixes with the dough in what is claimed to be a delicious taste sensation. More...
Posted in deep-freid-breer, fried-beer, fried-beer-texas, fried-food-competition-texas, fried-liquid, Mark-Zable, new-invention-fried-beer | 0 comments
Global Warming Threat | What a Pity!
Posted in danger of global warming, global-warming-threat, stop-global-warming | 0 comments
Water Proof Mobile
Nice thin water proof mobile of FOMA F703i (Fujitsu F703i). Now there are more new moderns of this. Anyway it's water proof and check it out!
FOMA is the name of NTT DoCoMo's 3G W-CDMA network in Japan. Closely related to the UMTS networks found worldwide, FOMA was actually the first 3G network in the world, and as Japan is often a good place to look for upcoming technologies.
Posted in FOMA mobiles, FOMA-F703i, fujitsu-F703i, nice-thin-water-proof-mobile, water-proof-mobile-phone | 0 comments


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The detailed analysis of Market Overview on Prepaid Card Market include Drivers & restraints, Trends and Opportunities, Potential Application, competitive landscape and business tactics for decision making. The market report covers up-to-date marketing information which is important to monitor performance and make critical conclusions for growth and effectiveness of business.As per the world economic growth, the Prepaid Card market size is estimated from xxx million $ in 2014 to xxx million $ in 2017.The Prepaid Card Market is expected to exceed more than US$ xxx million by 2022 at a CAGR of xx% in the given forecast period.The key companies are Visa, MasterCard, UnionPay, American Express, JCB, Discover, Walmart, Bank of America, Apple Inc, Wells Fargo, Paypal, West Union, Kaiku, AccountNow, NetSpend, AT&T, T-Mobile, Verizon.The report includes company profiles of major players and recent activities undertaken in the market such as supply contracts, agreements, M&As,and partnerships & collaborations.
Request for Sample Report @ www.marketresearchstore.com/report/global-prepaid-card-market-research-report-2018-226585#RequestSample
The Prepaid Card Market research report utilizes a SWOT analysis as well as Porter's Five Forces analysis to reveal the strengths, weaknesses, opportunities, and threats. The report uses the latter to identify the threat posed by new entrants to the market, the threat of substitute products or services, and the overall scope of competitive rivalry.The Prepaid Card market provides a complete view of the market by assessing the impact of the technological advancements, changes in investment habits, and in-depth overview of Product Specification. The report also studies the various inhibitors as well as motivators of market in both quantitative and qualitative manners in order to provide accurate information to the readers.
Geographically Segmentation, On the basis of region, North America Country (United States, Canada), South America, Asia Country (China, Japan, India, Korea), Europe Country (Germany, UK, France, Italy), Other Country (Middle East, Africa, GCC)
This report focuses on the status and outlook on Product Type Segmentation (Open-loop Prepaid Card, Closed-loop Prepaid Card, Reloadable Prepaid Card, Payroll Card, Government Benefit Card), Industry Segmentation (Personal, Enterprise, Government, Others), Channel (Direct Sales, Distributor) Segmentation
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subset: commoncrawl


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Surgery slated for Suns Johnson
Phoenix, AZ (Sports Network) – Phoenix Suns guard Joe Johnson will have
surgery on Thursday to repair a displaced fracture of his left orbital bone,
which he suffered in Game 2 of his team's 108-106 loss to the Dallas Mavericks
at America West Arena in the Western Conference semifinals.
Originally the plan was for Johnson to miss Game 3 on Friday, then wear a
protective mask the rest of the way. However, with the surgery, he could be
lost for the entire series.
Johnson, who has yet to miss a game for Phoenix since being acquired in
February of 2002, was fouled hard by Dallas' Jerry Stackhouse driving to the
basket late in the first half, landing face-first on the court. Johnson, who
was cut near the left eye, stayed on the floor for several minutes and an
intentional foul was called.
"I don't want to hurt anybody and it wasn't intentional," Stackhouse said. "I
was just challenging him. I had all ball. It was his momentum holding onto the
rim and he just came down. It was unfortunate. I hope he's fine and he comes
back. He's a key part of this series."
In order to stay in the game, Johnson had to shoot the free throws. He did and
made 1-of-2.
"He was pretty out of it," head athletic trainer Aaron Nelson told Suns.com.
"We were trying to ask him questions to find out how severe a concussion it
was. So we were like, 'Can you shoot the free throws?' and he was like, 'Yeah,
yeah, let's go.' So I put (sterile) strips on his eye. I told him, 'don't open
your eye.' That's probably why he missed the first one, and then the second
one he was able to zoom in and hit it."
Johnson, who had eight points, left the game after shooting the free throws
and received six stitches to close the cut.
"We need him. He's one of the best perimeter defenders we have," said Phoenix
forward Shawn Marion. "We're going to miss him, but we've got to step it up
until he comes back, and try to hold the fort down."
The 23-year-old Johnson had been an integral part of the Suns postseason
success, as he averaged 21.2 points through his first five playoff games.


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Autumn is really setting in here in Castillon with vineyard leaves turning different colours and exposing the varietals summer disguise. The mornings are also beginning to get rather cold at around 2 degrees but James and I are still in shorts! And no sooner than the harvest has finished the vignerons are already back into the vineyards ploughing between the rows whilst their precious crop ferments back in the winery.
By midday however its back up to a lovely 18 degrees and the sun gently warms the Dordogne river during the day so that the following morning there are spectacular mists rising from up from the river creating an amazing sunrise.
Yesterday we spent the afternoon about 20 miles out of town in the Entre-Deux-Mers finalising the 2010 Laithwaite Sauvignon blend. The cool summer nights and James' New Zealand winemaking has created an incredibly grassy aroma backed with subtle citrus fruits ... one of the best yet I reckon!
The continuous and tedious task of rolling and stirring the barrels in the Grand Chai cellar is starting to pay off as the first wine to emerge after what winemakers call the 'closed period' is the 26 barrels of Vermentino which goes under the name of the white 'Vent de Folie' label. The wine has suddenly started to express itself by re-releasing all the beautiful aromas found in the grape way back in September, and now they are backed by a luscious palate built by stirring the sediment daily.
Oh and Petit Denis says 'he knows a gardener of a very posh, huge Chateau in the Dordogne that is so proud of his work that every morning he cleans all the water hoses and irrigation system garden with a fresh, clean tea towel provided by his wife…….'
Visit laithwaites.co.uk
Friday, 29 October 2010
Cold Irons Bound
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THIS year's British Palomino Society National Championships was a huge success attracting competitors from all over the country.
Held at the Three Counties Showground in Malvern,
owners from across the UK travelled to Worcestershire to show and compete their horses and ponies that have the cream dilute gene.
Palomino, Buckskin, Cremello, Perlino, Smokey Black, Smokey Cream and Cream Dilutes with any broken coloured/spotted variation, all came forward in a wide variety of classes over the two days providing competitors and spectators with a fantastic opportunity to see all these animals in one place.
Across Saturday and Sunday there were more than 80 classes that included Ridden, and In Hand Showing as well as Dressage. Full results can be found on the BPS website www.thebritishpalominosociety.co.uk; but some key winners from the weekend included:
Sameon Sandlewood owned by Sarah Carrington Chappell from Hampshire who was the winner of the Medallion Championship and the prestigious Bayliss Cup (awarded for best colour)
On her way to the Best in Show success claiming the Midoak Trophy and the £250 Jackpot, Midoak Minted Gold owned by Susan Cousins also claimed the Overall Horse Championship to take home the Harry Hall Trophy, the Female Championship to claim the BPS Cup and the In-Hand Palomino Supreme Champion to receive The President's Trophy.
Overall Pony Champion and the winner of The De Beaumont Cup was Black Rose Peach, owned by Imogen Duffy. Male Champion and receiving the Shelsey Cup was Bathleyhills Monet, owned by Penny Walster.
The Supreme Ridden Championship went to Riverside Supreme Eclipse, ridden by Daren Commins and owned by Debbie West. The Ridden All Colours Championship winner was Major Eclipse ridden and owned by Lisa Issacs.
In the Cream Dilute classes the In Hand Championship went to Lottie Rebels Princess with Amanda Durston. The Ridden Championship went to Havenbeech Silver Wagtail, ridden by Steph Chaplin; the pair also claimed the ridden Cream of the Crop Championship. The in-hand Cream of the Crop Championship went to Cadlanvalley Aurelia owned by Carolyn Cox
This year the show was a huge success thanks to the change in the rules which saw animals with correct colour being recognised and awarded Gold, Silver and Bronze medals. This allowed the judging in the affiliated classes to just concentrate on the quality of conformation, movement and type.
Lee Mingay, Council Member from The British Palomino Society said: "Another year done and what a show it was! We had a great number of entries and the weekend had a wonderful community atmosphere.
"I also want to thank all the sponsors, competitors, judges, volunteers and helpers who helped in making this event run smoothly yet again, and I cannot wait for next year which will be taking place on the 13th & 14th July 2019 at Three Counties Showground!"
BPS website www.thebritishpalominosociety.co.uk


text: Most patients entering an opioid treatment program are anxious to experience a successful recovery. However, not all individuals will be successful at the first attempt. Keep in mind that recovery is possible when patients commit to using the effective treatments, therapies and tools provided to them. Don't Let Your Addiction Control the Outcome of Your Opioid Treatment Recovery from opioids is a long road. There will be periods of great frustration for all patients, times when quitting feels like the right decision, and even times when patients feels like they may not really need rehab. Most of these incidents are the addiction talking. When the going gets tough in rehab, try to remember that what you may be thinking in those difficult moments will pass. 4 Things to Remember When Entering an Opioid Treatment Program All rehab patients should remember the following when going through opioid treatment: You have a drug problem. Although you will tell yourself at times that you don't need rehab, you are exactly where you are because of addiction. Accept your disease and learn how to overcome it. You will feel isolated and alone at first. Everyone who walks into rehab feels like the "odd man out" for the first several days. It takes time to gain friends in rehab. But soon, you will realize these are some of the closest relationships you will ever have. Rules are in place for a reason. You probably aren't going to like all of the rules of rehab. However, they exist to help you relearn how to maintain structure in your life so that when you are home, you can keep structure and control over your disease. No one knows exactly how long their rehab stay will last. An educated guess can be made about the duration of your stay. But there are many factors in how long your rehab will take. Take advantage of the program while you have it and don't try to rush your recovery. Beaches Recovery in Jacksonville, FL Provides Quality Opioid Treatment It takes expert help and support to overcome opiate addiction. This is especially true when that inner voice of addiction does everything in its power to persuade you to fail. At Beaches Recovery in Jacksonville, you will have partners and peers in your recovery. Take the first step now into freedom from opioid addiction by calling Beaches Recovery at 866.274.9281. Opiate addiction is deadly, so get the help you urgently need by calling now. Categories: Addiction, Rehab BlogAugust 29, 2016Tags: cocaine detox programscocaine rehab centerscocaine treatment in Floridaopiate addiction treatmentOpioid TreatmentPost navigationPreviousPrevious post:When Casual Drinking Leads to Problems with AlcoholNextNext post:International Overdose Day: Remembering Loved Ones, Erasing the Stigma, Taking ActionRelated postsThe Perils of Dating a Drug AddictApril 22, 2019How to Start Making Amends During RecoveryApril 21, 2019How to Handle a Relapse After RehabApril 20, 2019Is Drinking in College a Predictor of Alcoholism?April 19, 2019How to Find DUI Classes in FloridaApril 18, 2019How to Find Drug Addiction Help for Family MembersApril 15, 2019


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Sylvan Hills High (SHHS) Class of 1995 Alumni List
Help us Update the Sylvan Hills High 1995 Class List by adding any names missing from the list below:
Registered Alumni
1995 Class List
- Karlos Arrington
- Becky Barber
- Julia Baugh
- Lisa Beasleigh
- Allison Bevil
- Jerry Boone
- Omar Bozeman
- Robert Duranth
- Kevin Elrod
- Lenn Harris
- Amanda Hawk
- Anizshiun Hill
- Shannon Holmes
- Amanda Hunt
- Brandy Marbles Marbles Powell
- Jamie Mccoy
- Tracy Penland
- Ronald Sherrod
- Keith Smith
- Kara Wade
- Melanie Willis
- Chad Wood
Know Sylvan Hills High Class of 1995 graduates that are NOT on this List? Help us Update the 1995 Class List by adding missing names.
Toy Story was the top movie in theaters in 1995, with a lifetime gross of over $191,796,233. Among TV shows in 1995, Seinfeld was the most popular of the year.
Hit Songs From 1995
Cotton Eye JoeRednex
Colors Of The WindVanessa Williams
Here Comes The HotstepperIni Kamoze
Total Eclipse Of The HeartNicki French
Brown SugarD'angelo
I'll Stand By YouPretenders
You Are Not AloneMichael Jackson
Gangsta's ParadiseCoolio
In The House Of Stone And LightMartin Page
Hold OnJamie Walters
Hit Movies From 1995
Reunions and Sylvan Hills High School News
More 1995 alumni from Sylvan Hills HS have posted profiles on Classmates.com®. Click here to register for free at Classmates.com® and view other 1995 alumni.
Alumni from the Sylvan Hills High School class of 1995 that have been added to this alumni directory are shown on this page. All of the people on this page graduated in '95 from Sylvan Hills High. You can register for free to add your name to the SHHS alumni directory.
If you are a Sylvan Hills alumn, we encourage you to register and be sure to sign up for the alumni newsletter.


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A Pair of Elegant Antique Empire Baccarat Red Cut Crystal Glass V
Code: 11299
Dimensions:H: 30cm (11.8")
A Pair of Elegant Antique French Empire Baccarat Ruby Red Cut Crystal Baluster-Shaped Glass Vases with Fine Dore Bronze Mounts.
The Fine Dore Bronze Mounts and Double Swan Shaped Handles.
The Rich Ruby Body Cut with Cross-Hatching Sitting on a Square Deeply Cut Base.


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Mercury provides access to part subsidised Study Tours. From product tours to the AGE in Sydney and G2E in Las Vegas to loyalty study tours at the HGE in Brisbane/Gold Coast, every year.
Mercury study tours are a great way for venue management and boards to keep up to date with what is going on in the Hospitality and Gaming industry, as well as a time for venue to network with other industry professionals.
© Copyright Mercury Group Victoria Inc. 2011. All rights reserved | Terms and Conditions | Privacy Policy
Website by Expose Media


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Nominations for the 75th Golden Globes Announced
Awards Dec 11, 2017 Shilo Adams
Nominees for the 75th Golden Globes were announced on Monday and on the television side, recently renewed Big Little Lies led the way with six nominations, including acting nods for five members of its already well-decorated ensemble. The Globes were also kind to the likes of The Crown, Stranger Things, SMILF, and The Marvelous Mrs. Maisel, which all scored a series nod along with at least one acting nod. Broadcast television, meanwhile, was represented by Black-ish, The Good Doctor, Will & Grace, and This Is Us.
The 75th Golden Globes are set to air Sunday, January 7th at 8:00 on NBC. You can check out this year's television nominees below, as well as the movie nominees here.
Best Drama Series
The Crown
Game of Thrones
The Handmaid's Tale
Stranger Things
This Is Us
Best Actor in a Television Drama Series
Jason Bateman, Ozark
Sterling K. Brown, This Is Us
Freddie Highmore, The Good Doctor
Bob Odenkirk, Better Call Saul
Liev Schreiber, Ray Donovan
Best Actress in a Television Drama Series
Caitriona Balfe, Outlander
Claire Roy, The Crown
Maggie Gyllenhaal, The Deuce
Katherine Langford, 13 Reasons Why
Elisabeth Moss, The Handmaid's Tale
Best Comedy Series
The Marvelous Mrs. Maisel
Master of None
Will & Grace
Best Actor in a Television Comedy Series
Anthony Anderson, Black-ish
Aziz Ansari, Master of None
Kevin Bacon, I Love Dick
William H. Macy, Shameless
Eric McCormack, Will & Grace
Best Actress in a Television Comedy Series
Pamela Adlon, Better Things
Alison Brie, GLOW
Rachel Brosnahan, The Marvelous Mrs. Maisel
Issa Rae, Insecure
Frankie Shaw, SMILF
Best Limited Series or Motion Picture Made for Television
Big Little Lies
Feud: Bette and Joan
The Sinner
Top of the Lake: China Girl
Best Actor in a Limited Series or Motion Picture Made for Television
Robert De Niro, The Wizard of Lies
Jude Law, The Young Pope
Kyle McLachlan, Twin Peaks
Ewan McGregor, Fargo
Geoffrey Rush, Genius
Best Actress in a Limited Series or Motion Picture Made for Television
Jessica Biel, The Sinner
Nicole Kidman, Big Little Lies
Jessica Lange, Feud: Bette and Joan
Susan Sarandon, Feud: Bette and Joan
Reese Witherspoon, Big Little Lies
Best Supporting Actor in a Series, Limited Series, or Motion Picture Made for Television
David Harbour, Stranger Things
Alfred Molina, Feud: Bette and Joan
Christian Slater, Mr. Robot
Alexander Skarsgard, Big Little Lies
David Thewlis, Fargo
Best Supporting Actress in a Series, Limited Series, or Motion Picture Made for Television
Laura Dern, Big Little Lies
Ann Dowd, The Handmaid's Tale
Chrissy Metz, This Is Us
Michelle Pfeiffer, The Wizard of Lies
Shailene Woodley, Big Little Lies


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text: Despite her 'friends with benefits' equation with Salman Khan and a dream debut opposite him this Katrina Kaif look-a-like has not managed to make any headway in Bollywood. While she is still invited to perform at award shows, courtesy her 'connections', Zarine Khan has to depend totally on her mentor and his buddy's for role handouts. The good thing is she seems to be in demand in the small town circuit for special appearances which the girl reportedly has to depend on to fund her rather expensive needs. This time the actress had a scary experience which left her shaking to her well-manicured toenails. In Bhopal to cut the ribbon of a store the actress arrived at the scheduled 2 pm time and was supposed to leave by 3.15 flight back to Mumbai. But once the launch was over which actually took just fifteen minutes the crowds gathered at the store refused to move calling out the actress's name again and again.When Zarine refused to go out to make an appearance (as that was not part of the deal) the crowd of men (some local strongmen) got miffed and the cheers changed to catcalls and wolf whistles and unmentionable expletives. The ruckus got so bad that the nervous security guards of the shop could just about prevent the insistent men from barging into the store. Even worse with just about half an hour to make it to the airport the actress became very nervous and had an exchange of words with the owners for putting her in this scary predicament and insisted they call the cops. But the owners (apparently not wanting to involve the cops who they said would take money) offered the poor girl cold drinks and requested her to smile and pose at the men standing outside. The tamasha continued for some more time till the actress finally agreed to come out and as directed, Zarine greeted everyone and requested them to clear the way so that she could leave to catch her flight but was only allowed to go to her waiting car after she said a few dialogues and shook hands. Surrounded by an excited group of men screaming out her name the actress when finally in the car started shivering and howling. She missed her flight but apparently she is more pissed at reports that the organisers were in cahoots with the men and the tamasha was staged to get more publicity.


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These days, it's common for consumers to discuss drugs and treatments on health care social networks like WebMD, as well as on general social networks like Twitter.
Yet the pharmaceutical industry has thus far been unable to participate in social media — not because they are prohibited by law, but because there is a lack of clear regulatory guidelines for marketing on social networks and other web sites.
Still, in April, the FDA sent warning letters to 14 companies, claiming they violated regulations regarding presentation of fair balance in search engine ads, according to AdvertisingAge.
To help solve this problem, Buy Generic Drugs Without Prescription the Pharmaceutical Research and Manufacturers of America (PhRMA), which represents the pharmaceutical industry, has proposed creating a universal logo to be placed on social media sites. The logo would indicate the information that meets FDA guidelines for fair balance.
In a recent post on the Groundswell Blog, Josh Bernoff stresses the need for such a measure and voices his support for the PhRMA proposal:
In one case in my research, a pharma company employee begged me to take down a reference to a site her company had sponsored – the logo was right there on the site – even though the company had provided an unrestricted grant and did not influence content in any way.
[The proposal to create a universal logo] is an ideal way out of the current state. The logo should be prominent. Furthermore, I think pharma companies should moderate and appropriately respond to social activity, including blocking off-label suggestions and following up on adverse effects. This works now for GSK's alli community, which exists only because alli is an over-the-counter drug and therefore is not subjected to the same level of scrutiny by the FDA.
Sure it's expensive to do this moderation, but alli shows it can be done, and effectively. Pharma companies are enthusiastic about social media but terrified by the lack of FDA rules, which means they never know if they'll be cited for inappropriate behavior. It's time for the FDA to indicate what behavior is appropriate, including moderation and the logo linking to fair-balance information. Then people who need information about medications will be able to benefit from peer content. It's a lot better idea than leaving all that peer content on unregulated sites, and allowing pharma only with ads with pages of small print disclaimers. How 20th century!
Read the full Groundswell blog post on pharma social media.


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InternetExplorer, on 11 November 2017 - 11:12 AM, said:
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Oh for sure. We have some portfolio managers who do nothing but put our clients in our Global Positions Solutions sub managed account. Its the height of laziness to put 3 million into one SMA and say Ill see you next year. But thats what they do.


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I ran across a blog this week that I think is worth mentioning. It is called Axios Blog, Fully Human, Deeply Christlike and Fully Alive.
Rob Lord, Rector of All Saints Episcopal Church, Winter Park, Florida. On his blog, he has a tab marked Photography where there are beautiful photos that could be used for contemplative prayer. As I am reading Photography as a Christian Contemplative Practice: Eyes of the Heart by Christine Valters Paintner, it seems like everywhere I look I see the deep, rich connection of photography and contemplative practices.
As Christine has suggested, I am only reading one chapter a week from this book which is an interesting way of moving through a book. The majority of the time, I just plow through a book because I want to see how it ends or I'm enjoying it so that I pick up the speed. Not too often do I remember savoring each page because I know this is all I can read in one week. It also causes me to reread and reread the same messages over which allows different perspectives on the same words based on where you are at on any particular day.
The message that I sat with this week was the idea that Thomas Merton explains, "Contemplative life is a journey from opaqueness to transparency, from the place where things are dark, thick, impenetrable, and closed to the place where these same things are translucent, open, an offer a vision far beyond themselves." Christine explains this best, "We move from looking at the world to see what we can gain to gazing on the world to see what gifts we might receive. These are all essential aspects of the contemplative path and are cultivated by our shift in vision."
A strong message to think about as we begin to "see" life a bit differently.
Have a great week.


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Samsung Galaxy Note 8.0 is now available from AT&T at $399 after (-$100) instant savings with a new two-year contract agreement. The GNote 8.0 tablet feature a 8 inch (1280×768), 1.6GHz processor, 2GB of RAM, 16GB internal storage, 5MP camera and a 4600 mAh battery which lasts 1-2 days. All these hadware wrapped up under a compact design and accompanied by the Galaxy Note series accessory – S Pen optimized for on to go notes, postcards, to-do lists, etc.
You can now buy online the Galaxy Note 8.0 tablet or at any AT&T local store.


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Utilize the charming and neutral character of this Hazle table lamp as a decorative feature for any space.More Details >
This Hazle table lamp by Arteriors Home is distinguished with a smoke pine finish, which covers the design beautifully. The light silver sheer shade is the right fit atop this table lamp, staying out of the way just the right amount in the design. The ceramic build and three-way switch help to give this table lamp a useful and versatile presence for any space.


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For more specific ways Happiness Bars can assist you in your order, explore the different sections on our site or contact us at email@example.com


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A lot of high school students now cheat in homework assignments, by asking other students for answers. Which of the following do you think is the most efficient way to stop?
-asking parents to help stop the students from cheating
-penalty or punishment to the students
-asking teacher to create homework assignment that cannot be easily cheated


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Let's Get This Class War Started
Published on truthdig, by Chris Hedges, Oct 20, 2013.
"The rich are different from us," F. Scott Fitzgerald is said to have remarked to Ernest Hemingway, to which Hemingway allegedly replied, "Yes, they have more money."
The exchange, although it never actually took place, sums up a wisdom Fitzgerald had that eluded Hemingway. The rich are different. The cocoon of wealth and privilege permits the rich to turn those around them into compliant workers, hangers-on, servants, flatterers and sycophants. Wealth breeds, as Fitzgerald illustrated in "The Great Gatsby" and his short story "The Rich Boy," a class of people for whom human beings are disposable commodities.
Colleagues, associates, employees, kitchen staff, servants, gardeners, tutors, personal trainers, even friends and family, bend to the whims of the wealthy or disappear. Once oligarchs achieve unchecked economic and political power, as they have in the United States, the citizens too become disposable.
The public face of the oligarchic class bears little resemblance to the private face. I, like Fitzgerald, was thrown into the embrace of the upper crust when young. I was shipped off as a scholarship student at the age of 10 to an exclusive New England boarding school. I had classmates whose fathers—fathers they rarely saw—arrived at the school in their limousines accompanied by personal photographers (and at times their mistresses), so the press could be fed images of rich and famous men playing the role of good fathers … //
… Aristotle, Niccolò Machiavelli, Alexis de Tocqueville, Adam Smith and Karl Marx all began from the premise there is a natural antagonism between the rich and the masses. "Those who have too much of the goods of fortune, strength, wealth, friends, and the like, are neither willing nor able to submit to authority," Aristotle wrote in "Politics." "The evil begins at home; for when they are boys, by reason of the luxury in which they are brought up, they never learn, even at school, the habit of obedience." Oligarchs, these philosophers knew, are schooled in the mechanisms of manipulation, subtle and overt repression and exploitation to protect their wealth and power at our expense. Foremost among their mechanisms of control is the control of ideas. Ruling elites ensure that the established intellectual class is subservient to an ideology—in this case free market capitalism and globalization—that justifies their greed. "The ruling ideas are nothing more than the ideal expression of the dominant material relationships," Marx wrote, "the dominant material relationships grasped as ideas" … //
… "We Americans are not usually thought to be a submissive people, but of course we are," Wendell Berry writes. "Why else would we allow our country to be destroyed? Why else would we be rewarding its destroyers? Why else would we all—by proxies we have given to greedy corporations and corrupt politicians—be participating in its destruction? Most of us are still too sane to piss in our own cistern, but we allow others to do so and we reward them for it. We reward them so well, in fact, that those who piss in our cistern are wealthier than the rest of us. How do we submit? By not being radical enough. Or by not being thorough enough, which is the same thing."
The rise of an oligarchic state offers a nation two routes, according to Aristotle. The impoverished masses either revolt to rectify the imbalance of wealth and power or the oligarchs establish a brutal tyranny to keep the masses forcibly enslaved. We have chosen the second of Aristotle's options. The slow advances we made in the early 20th century through unions, government regulation, the New Deal, the courts, an alternative press and mass movements have been reversed. The oligarchs are turning us—as they did in the 19th century steel and textile factories—into disposable human beings. They are building the most pervasive security and surveillance apparatus in human history to keep us submissive.
This imbalance would not have disturbed most of our Founding Fathers. The Founding Fathers, largely wealthy slaveholders, feared direct democracy. They rigged our political process to thwart popular rule and protect the property rights of the native aristocracy. The masses were to be kept at bay. The Electoral College, the original power of the states to appoint senators, the disenfranchisement of women, Native Americans, African-Americans and men without property locked most people out of the democratic process at the beginning of the republic. We had to fight for our voice. Hundreds of workers were killed and thousands were wounded in our labor wars. The violence dwarfed the labor battles in any other industrialized nation. The democratic openings we achieved were fought for and paid for with the blood of abolitionists, African-Americans, suffragists, workers and those in the anti-war and civil rights movements. Our radical movements, repressed and ruthlessly dismantled in the name of anti-communism, were the real engines of equality and social justice. The squalor and suffering inflicted on workers by the oligarchic class in the 19th century is mirrored in the present, now that we have been stripped of protection. Dissent is once again a criminal act. The Mellons, Rockefellers and Carnegies at the turn of the last century sought to create a nation of masters and serfs. The modern corporate incarnation of this 19th century oligarchic elite has created a worldwide neofeudalism, where workers across the planet toil in misery while corporate oligarchs amass hundreds of millions in personal wealth.
Class struggle defines most of human history. Marx got this right. The sooner we realize that we are locked in deadly warfare with our ruling, corporate elite, the sooner we will realize that these elites must be overthrown. The corporate oligarchs have now seized all institutional systems of power in the United States. Electoral politics, internal security, the judiciary, our universities, the arts and finance, along with nearly all forms of communication, are in corporate hands. Our democracy, with faux debates between two corporate parties, is meaningless political theater. There is no way within the system to defy the demands of Wall Street, the fossil fuel industry or war profiteers. The only route left to us, as Aristotle knew, is revolt.
It is not a new story. The rich, throughout history, have found ways to subjugate and re-subjugate the masses. And the masses, throughout history, have cyclically awoken to throw off their chains. The ceaseless fight in human societies between the despotic power of the rich and the struggle for justice and equality lies at the heart of Fitzgerald's novel, which uses the story of Gatsby to carry out a fierce indictment of capitalism. Fitzgerald was reading Oswald Spengler's "The Decline of the West" as he was writing "The Great Gatsby." Spengler predicted that, as Western democracies calcified and died, a class of "monied thugs" would replace the traditional political elites. Spengler was right about that.
"There are only two or three human stories," Willa Cather wrote, "and they go on repeating themselves as fiercely as if they had never happened before."
The seesaw of history has thrust the oligarchs once again into the sky. We sit humiliated and broken on the ground. It is an old battle. It has been fought over and over in human history. We never seem to learn. It is time to grab our pitchforks.
(full text).


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Binoo is the Head of Information Technology at Tesco PLC. He has established the Tesco Technology Joint Venture team and leads the development and deployment of a multi-channel retail operation model platform. With over 15 years experience in corporate information technology development, he will share with the audience the AI application in retail.
Applying Artificial Intelligence in Retail
Giants in retail are starting to incorporate machine learning algorithms across the business, from internal applications such as driver routing to customer facing apps like integration. Binoo will introduce the use cases of AI technologies in the retail industry and explore why it is important to create a data loop.
by Head of Information Technology,Tesco


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No 57 Lamppost not working
Reported in the Street lighting category by Petar Gledic at 21:03, Sun 21 January 2018
Sent to Oxfordshire County Council 1 minute later
The lamppost number 57 is inoperable, please fix as soon as possible as it is very dark and unsafe.
Thank you for contacting Oxfordshire County Council Street lighting, unfortunately we are currently only available to respond to emergency situations which may have an impact on the health and safety of members of the public, these will be dealt with within a 24 hour period.
Reported faults will continue to be registered on our management system and these will be tackled in coming months.
Provide an update
Please note that updates are not sent to the council. Your information will only be used in accordance with our privacy policy


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The recipe was so good that I made it again this week, minus the chicken, double the chickpeas, and subbing in lite coconut milk for the full fat variety (for calorie reasons). The resulting curry was tasty, but lacked that luxurious quality and silky texture that the regular coconut milk provides. I think I'll sacrifice the calories in the future and use the full fat version, which contains lauric acid, an ingredient found in breast milk that the body converts into a chemical that is a powerful antibacterial and antiviral agent. In short, it might make it harder for you to get sick.
Start by preparing the grain of your choice (try barley instead of rice) and prepping the other ingredients. Heat the oil in a skillet over medium-high heat, toss in the onions and cook them until they just begin to brown.
And since it was Friday, and there were not already enough dirty dishes, I decided to make some cookies as well. I wanted my favorite oatmeal cookies, but alas, not enough brown sugar in the house. I settled on Martha Stewart's Double Chocolate Chunk Cookies. Thin, chewy, and chocolaty...
Add the garlic and curry paste, stirring to combine, and cook a minute or two until the paste is pretty much dissolved into the onion mixture. Dump in the chickpeas, coconut milk, and soy sauce, bring to a boil and cook for 2 minutes.
Stir in the tomatoes, brown sugar and lime juice. Simmer for another minute, and prepare some serving bowls by placing about a cup of barley in each.


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Hot Toffee Nog
Hot Toffee Nog
- Mix thoroughly the brown sugar, coconut oil, vanilla and cinnamon until whipped.
- Heat Nog on low heat until steaming.
- Place 2 tablespoons of the brown sugar mixture into mugs.
- Pour hot nog into each mug.
- Garnish with a cinnamon stick or anise seed pod and serve.
Optional: Add one ounce of spiced rum for each serving to make it a winter cocktail.


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Father's Day was this past weekend, and I've only recently become aware over the past ten years or so how tricky these types of family holidays have become. In the "good old days", I used to find a suitable greeting card for my parents, and possibly try and do something nice for them (like pick up my room) in order to show my gratitude and love towards them. That was pretty much as complicated as it got. Then came social media, and it became an even greater expression of appreciation to share your feelings towards your loved ones with your entire sphere of influence and beyond.
kids gaming
Prioritizing Gaming
On the most recent edition of the Couch Podtatoes podcast, Izlain and Eri discussed several questions that have been floating around the blogosphere recently. Two of them that were chosen for discussion interested me quite a bit, and I feel that they're somewhat related. One question was: What is your longest continuous gaming session. The other, do you have any regrets related to gaming.
The Need for Media Rating Systems
First off, thanks to Noctua over at Gamers Decrypted (one of my new favorite blogs) for reaching out to me on this topic. It's always flattering when someone expresses the desire to collaborate, and especially so when the source is someone of such high quality. Gamers Decrypted is a fairly new site, so be sure to add it to whatever tracking mechanism you currently use!
The topic of discussion today is the effects of gaming. Or, more accurately, the effects of the media we consume, gaming included. When Noctua first approached me, she floated the idea of censorship as a topic, and I notice that while her post hints at the need for some kind of control (be it internal or external), it never uses the word 'censorship' at all. There's a good reason for that. The word is so heavy with negative political and social connotations that it can no longer be used in a positive support role. That is, unless you're talking about self-censorship, which seems to be much more acceptable. In our western culture, the idea of someone else telling us what we can and can't do or say is so abhorrent that the very language surrounding it has been fallen victim to, well, self-censorship!
Lego Minifigures Online First Impressions: Is Everything Awesome?
Ever since I played the first #Lego Star Wars game, I've been impressed by the ability of the franchise to merge intuitiveness, humor and interesting gameplay mechanics into recognized IP, while simultaneously building up their own brand to toddlers and adults alike. I'm also a big advocate of making sure the "big business" of video games doesn't forget about kids it it's quest for the almighty dollar. So it was with great excitement that I opened my inbox to find an invitation to the new Lego #Minifigures Online closed beta this past weekend.


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No. 179.Circuit Court of Appeals, Second Circuit.
February 4, 1935.
Appeal from the District Court of the United States for the Southern District of New York.
Suit by the Irving Trust Company, as trustee in bankruptcy of the Elite Rug Company, bankrupt, against the Trust Company of New Jersey, to recover a preference under section 60b of the Bankruptcy Act (11 USCA § 96(b). From a judgment on a verdict for the plaintiff in the District Court for the Southern District of New York, defendant appeals.
Hovell, McChesney, Clarkson Klupt, of New York City (Sidney A. Clarkson, of New York City, of counsel), for appellant.
Bernard A. Grossman, of New York City (Bernard A. Grossman and Shirley M. Payne, both of New York City, of counsel), for appellee.
Before MANTON, AUGUSTUS N. HAND, and CHASE, Circuit Judges.
Page 281
CHASE, Circuit Judge.
W.A. McHorney Co. borrowed $40,000 of the defendant on May 17, 1929, on its promissory note, indorsed by its president, and payable in three months. When due, the note was renewed for another three months without reduction. On the due date $5,000 was paid and the remainder renewed for three months. A payment of $2,500 was then made, and a new note on three months' time given for the remainder. Other payments were made each three months and renewal notes given until, on September 17, 1930, when a payment of $2,000 was made reducing the principal to $26,000 and another three months' renewal was requested, the bank insisted upon a larger payment. Mr. W.A. McHorney, acting for W.A. McHorney
Co., the maker, and himself as the indorser, represented to the bank that no more could be paid then, but promised that reductions would be made "as things come along." On December 17, 1930, when the note became due, the bank pressed for faster payment, but did accept $2,000 on the principal and a renewal note for the remainder due March 17, 1931. At that time only $1,000, was paid and the remainder renewed for a like period, although the bank was becoming more and more insistent upon larger reductions being made. When this note became due on June 17, 1931, a substantial reduction was demanded, but, upon McHorney's promise to sell some merchandise and make such a payment, a six-day note for the balance then due, $23,000, was accepted. But when it fell due on June 23, 1931, no reduction could be made, and a note for like amount for three days was taken. Upon the payment of $4,000 when that note was due, another was accepted for $19,000 due in three months. During the rest of 1931, the note was renewed twice, and $1,000 was paid at the time of each renewal, which brought the principal down to $17,000, for which a renewal note payable in three months was given on December 28, 1931. A payment on this note under the circumstances to be stated is the preference which has been recovered by the plaintiff.
On February 9, 1932, McHorney went to the defendant bank, where he handed to Meixner, the officer of the bank with whom he was accustomed to transact his business there, as a payment on the note, a check for $16,000 drawn by a man named Ackerman, payable to Elite Rug Company, Inc., the bankrupt, and indorsed by the payee, by W.A. McHorney, as its president. The bank had had no dealings with Elite Rug Company, Inc., and Meixner wanted to know about it. He was then told that it was "the new name of the W.A. McHorney Company," and told to call by telephone the attorney who had charge of the matter of the change of name, as he knew all about it. This was done, and Meixner was assured by the attorney that the name of W.A. McHorney Co. had been legally changed to Elite Rug Company, Inc. The attorney told Meixner to take the check, but he was unwilling to do so until he had called the bank's attorney and was advised by him to take it. McHorney testified that he then told Meixner "that we were making an adjustment and a reorganization; that we were going to make an assignment, as near as I can remember." He was immediately asked if it was an assignment for the benefit of creditors, and replied: "Not for the benefit of creditors. My idea of an assignment and an assignment for the benefit of creditors are two different things."
The next day, however, the bankrupt did make an assignment for the benefit of its creditors. Fifteen days later an involuntary petition in bankruptcy was filed, and it was adjudicated in due course. The principal issue of fact finally contested was whether the defendant had reasonable cause to believe when the payment of $16,000 was made that it was receiving a preference under section 60b of the Bankruptcy Act (11 USCA § 96(b).
An application for the appointment of a special master was made by the plaintiff and opposed by the defendant, who demanded a trial by jury. The plaintiff then moved for the appointment of an auditor, and an order was made by a District Judge granting the motion to the extent that an auditor was "appointed under and in pursuance of the provisions of General Order 26 of this Court, to define and simplify all the issues herein; to take and report testimony, to audit and state accounts; to make computations; to make findings on conflicting evidence and to make and file a report thereon in the office of the Clerk of this Court with all convenient speed, which report shall not finally determine the issues, but shall, unless excepted to within ten days after the service of notice of filing and rejected by the Court, be admitted at the trial before the jury as prima facie evidence of the evidentiary facts and of the conclusions of fact therein set forth. * * *"
Page 282
The auditor so appointed performed his duties and filed a report in which he included the evidence taken before him; correctly defined the issues contested; and made findings to the effect that the bankrupt was insolvent when the $16,000 was paid, and that the defendant then had reasonable cause to believe that it was receiving a preference. Exceptions to this report were overruled. When the cause came on for trial before a jury, the plaintiff introduced the report in evidence and rested. Thereupon the defendant presented its evidence, and the issues were explained to the jury in a charge in which the indecisive effect of the report was clearly and correctly stated.
On this appeal what amounts to two questions are presented: First, whether the auditor should have been appointed, though the power to make the appointment is not denied, and his report introduced in evidence at the jury trial; and, second, whether the evidence was sufficient to support the verdict.
That a District Court has the power to make such an order as the one appointing this auditor is, indeed, beyond question. Matter of Walter Peterson, 253 U.S. 300, 40 S. Ct. 543, 64 L. Ed. 919; Primrose v. Fenno (C.C.) 113 F. 375. Of course, care should be exercised to make an appointment only when it will serve to clarify the issues and aid the jury in determining the essential facts. An auditor is appointed as an aid to a trial by jury and never properly appointed to curtail the scope of the jury's inquiry into the facts. Often in a case of this nature, which involves the question of insolvency at a time when the alleged preference was received, there are many accounts involved and many complicated computations must be made. A jury is not well adapted to make them, and this is no doubt a reason for providing in rule 26 of the District Court for the Southern District of New York for the appointment of an auditor in any bankruptcy proceeding where the issue of insolvency is to be tried. When this auditor was appointed, that issue was to be tried. While the fact that during the hearing before the auditor insolvency was conceded served to simplify the issues, it cannot be said that the appointment was an abuse of discretion at the time it was made.
Because the report not only contained the finding that the bankrupt was insolvent when the payment was made on the note, an inevitable finding, since insolvency was conceded during the hearing before him, but also the finding that the defendant had reasonable cause to believe that it was being preferred, it is urged that its admission in evidence at the trial in the District Court as prima facie proof of that fact deprived the defendant of its right to a trial by jury on a vital issue in the case. The order of reference authorized the auditor "to make findings on conflicting evidence," and that of course meant to make findings upon the matters in controversy which were material. This finding was of that nature. It established only a rebuttable presumption which the defendant was free to contest without restriction before the jury. It left the defendant in no worse case than any defendant is in when a plaintiff proves a prima facie case on the opening.
It may be that some juries would, despite proper instructions, give undue weight to a report because it was made by an officer of the court. While that is a possibility, it applies equally to any part of an auditor's report and to every such report and is not real enough to be controlling.
The real question is whether a mere rule of evidence, which after all leaves the jury free to decide the issues upon all of the evidence in the case, unlawfully curtails the right to a trial by jury. That it does not is shown by In re Peterson, supra; Meeker v. Lehigh Valley R. Co., 236 U.S. 412, 35 S. Ct. 328, 59 L. Ed. 644; Oklahoma Gas Electric Co. v. Bates Expanded Steel Truss Co., 34 F.2d 547 (D.C.); Holmes v. Hunt, 122 Mass. 505, 23 Am. Rep. 381; Locke et al. v. Bennett, 61 Mass. (7 Cush.) 445.
The exceptions to the report raise the same question of the sufficiency of the evidence as those relating to the verdict. There was no error if there was any substantial evidence to show that the defendant had reasonable cause to believe that it was being preferred.
Such evidence was present in ample amount. A loan of long standing had been slowly reduced in response to the repeated efforts of the bank to collect as fast as it could, when, quite contrary to what might be expected from the history of the loan, the representative of the debtor tendered $16,000 as a payment on a note which would not be due for more than a month. He then said something about the making of an assignment by the debtor. The bank consulted
Page 283
both the debtor's attorney and its own before the payment would be accepted. An assignment for the benefit of creditors was made by the debtor the next day. All this too fairly shows that the payment may have been received by the bank not in the usual course of business and with reason to believe that it was being preferred over other creditors of the same class to rule as a matter of law that there was error in denying the motion to set aside the verdict and in entering judgment thereon.
Judgment affirmed.
MANTON, Circuit Judge (dissenting).
The auditor appointed was to "define and simplify all the issues herein; to take and report testimony; to audit and state accounts; to make computations; to make findings on conflicting evidence and to make and file a report thereon in the office of the Clerk of this Court with all convenient speed, which report shall not finally determine the issues, but shall * * * be admitted at the trial before the jury as prima facie evidence of the evidentiary facts and of the conclusions of fact therein set forth."
The auditor heard testimony; he defined the issues to be: (a) Whether the bankrupt intended to and did effect an unlawful preference of the defendant over other creditors; and (b) whether the defendant knew or had reasonable cause to believe that the bankrupt was insolvent at the time of payment, and that the payment would effect a preference.
Not content with defining the issues, he presumed to decide them. He found that the bankrupt intended to effect a preference, and that the appellant knew of the bankrupt's insolvency at the time of payment and that the payment would effect a preference. His determination of these issues was offered in evidence and received over objection and exception. The finding of the auditor was that the "Elite Rug Company, Inc., knew that this would be the effect of such payment and intended to effect such preference," and that, "The defendant had reasonable cause to believe that the Elite Rug Company, Inc., was insolvent when such payment was made and that the payment would effect the preference aforesaid."
The appellant was entitled to a jury trial, and therefore a jury's answer to the questions of whether the Elite Rug Company, Inc., was insolvent when payment was made, and whether or not the payment would effect a preference. It was a right guaranteed to the appellant under the Seventh Amendment to the Constitution. Schoenthal v. Irving Trust Co., 287 U.S. 92, 53 S. Ct. 50, 77 L. Ed. 185. In re Peterson, 253 U.S. 300, 40 S. Ct. 543, 547, 64 L. Ed. 919, sustains the District Court's authority to appoint an auditor because "courts have * * * inherent power to provide themselves with appropriate instruments required for the performance of their duties." But the auditor must not be substituted for the jury where a defendant is entitled to a jury trial. As said in the Peterson Case: "In so far as the task of the auditor is to define and simplify the issues, his function is, in essence, the same as that of pleading."
Findings, as such, are proper, but the findings here made by the auditor were not simply the findings as to proof, but were the findings as to the things to be proved. He did not find only what the facts were, but made findings decisive of the very issues involved. He determined in his findings all the issues which the jury were to answer. The court supported the right to appoint the auditor in the Peterson Case, saying: "Nor can the order be held unconstitutional, as unduly interfering with the jury's determination of issues of fact, because it directs the auditor to form and express an opinion upon facts and items in dispute. The report will, unless rejected by the court, be admitted at the jury trial * * * as prima facie evidence."
But this does not mean that the report of an auditor, his determination of issues, is admissible in its entirety, including his conclusions on the questions which the jury must decide. In the instant case, the auditor served no purpose because all the testimony was submitted anew to the jury.
The theory and the purpose of an auditor has been, not to decide cases, but to assist in determining balances of accounts where long items of accounting are involved; to aid a jury in simplifying issues, never to decide issues of insolvency or preference in payments.
With the report of the auditor, including his conclusions upon the issues involved before the jury, there was placed in the balance against the appellant a determination by an officer of the court of the very issues which the jury were to determine. This was not the kind of assistance intended by general rule 26 of the Rules of the District
Page 284
Court of the United States for the Southern District of New York, and, on the contrary, was prejudicial to the appellant.
The judgment should be reversed and a new trial ordered.


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Reply To: Starting the cleanse as an athlete
Home › The Candida Forum › Candida Questions › Starting the cleanse as an athlete › Reply To: Starting the cleanse as an athlete
I went from working a minimum of 14 hours a day, no days off until harvest season was over for years, then to not functioning at all due to this stuff.
I love to work out, use weights etc. I've not been able to do that prior to and certainly not on the detox protocol. It's difficult because at my age (54) people have always told me what great shape I'm in. I've always had great muscle tone too up till now. It takes longer at my age and being a woman to rebuild so I freaked for awhile and still do occasionally.
The way I figure is time off to get the poison out and it will be easier to rebuild when I start regaining some strength


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Mortgages 101: What You Need to Know
Until you have one, getting a mortgage may seem daunting. But knowing the basics makes it easier than you think. Use this primer to take the fear out of getting a home loan.
Your parents had one. Your grandparents had one, too. Your uncle threw a party when he burned his. What is It? It's a mortgage, and it's a loan that uses your house and the land it sits on as security. That means if you don't repay the loan your lender can foreclose and, well, you're out of a home. That's a worst-case scenario that no one wants. So understanding mortgages and how they work will help keep the odds in your favor. Most people shop for a house before they shop for a mortgage. But, try it in reverse. Knowing from the outset which mortgage is right for you and how much money you can borrow will take a lot of the anxiety out of the process and make your house hunt more successful and fun.
Types of mortgages
There are a variety of loans used to finance a house, but the two most common are fixed-rate mortgages and adjustable-rate mortgages or ARMs.
As the name suggests, a fixed-rate mortgage comes with a monthly payment – a combination of principal and interest – that remains constant throughout the life of the loan. Changes in the economy or blips in interest rates won't alter your mortgage payment. However, if property taxes are part of the monthly payment, it's possible that the amount you pay will vary as taxes rise or fall– but the principal and the interest you pay will always remain the same. Many people prefer the stability of a fixed-rate loan because it makes budgeting and long-term financial planning easier.
Fixed-rate mortgages typically come in 30- and 15-year terms. You'll pay less each month with a 30-year mortgage but will incur more interest over the life of the loan. If you can afford the higher payments of a 15-year fixed, this may be a better choice as you'll own your home sooner and save thousands in interest.
Adjustable Rate:
Unlike fixed-rate loans, adjustable-rate mortgages, or ARMs, start with a low fixed rate for an initial period – this can be as short as a month or as long as 10 years. Then the "adjustable" part kicks in, and the loan shifts to a longer period where the interest rate changes according to an index – such as the 30-year Treasury bill performance or the LIBOR rate (what banks charge each other for short-term loans). Rates may increase every year, though most ARMs have caps limiting how much those rates can go. Many people choose an ARM, even if they qualify for a fixed-rate loan, because with it they can buy a home they may not otherwise be able to afford. By choosing an ARM, these buyers are banking on salary increases to cover the higher payments when their mortgage rate changes.
Fixed-rate vs. ARM: Which is right for you?
For many people, the stability of a fixed-rate mortgage makes the most sense , and gives them the security of having a home where they can raise a family and be rooted in a community. Fixed-rate loans typically have slightly higher interest rates than ARMs, but borrowers are protected against rising interest rates with a fixed loan. On the other hand, if interest rates drop tantalizingly enough, fixed-rate loans can be refinanced at a lower rate, reducing the monthly mortgage and saving money.
With a fixed-rate mortgage, borrowers have the option to make a larger monthly payment and apply the added portion to the principal; this lowers the balance and helps pay off the loan faster. Similarly, experts recommend paying half your mortgage every two weeks for a total of 26 payments each year, the equivalent of making an extra monthly payment. Or you could just make an extra mortgage payment once a year. Either way will shave about 7 to 8 years off your mortgage, saving interest and putting more money in your pocket.
Adjustable-rate mortgage's lower cost makes them attractive to many buyers, but they're not without risk. Rates and payments can rise sharply over the life of a loan. Even with rate caps, a person with a 6% ARM could wind up paying 11% in just three years if interest rates skyrocket.
Because ARMs are cheaper early on, borrowers could invest. their savings and invest it elsewhere. For example, if you save $100 month with an adjustable-rate mortgage, you could put it in a higher-yield instrument and earn more money on the investment. When interest rates fall, people with ARMs aren't locked in and can more easily refinance to a lower rate.
Plus, if you don't think you'll be in your house for a long time because of a job or other circumstance, an adjustable-rate mortgage is a good way to go. With so many flavors of mortgages to choose from, each with different options, consider consulting a lending professional to help find the right mortgage for you.
© Copyright 2014 Coldwell Banker Bain | Seal


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Penny's Vintage Home
If you had to choose a single present to give to an older infant, toddler or young preschooler this year for a birthday or Christmas, I'd say that the Fisher Value Studying Home would be the hands-down best choice. As the elite moved out to single houses in suburban areas, builders attempted to provide owners comparable choices like the large, columned front porch with tiny front yards. As cities grew larger, land owners realized they could make more money by creating and selling homes, but renting the land under the houses. Some modular homes have the interior furnishings constructed in while others may be transportable. Icon Legacy Custom Modular Properties LLC , opened their door to enterprise in February, 2008- just in time to experience the burst of the housing bubble and commence of the Great Housing Recession.
Grand homes were built along main thoroughfares whilst middle class houses had been constructed on side streets. Appears like a number of of these organizations have smaller models that are really inexpensive, and could make great trip homes. In addition to regular operating hours in the course of the month of December, Clinton Crossing Premium Outlets will provide extra festive hours on particular days. Yip, living in a rural village is a luxury of scenery, clean air, beauty, and, the individuals are nice…….but, very few job opportunities….. And a couple of hours from Mitre ten!! Generally, prefab homes are cheaper than architect designed homes since they can make lots that are the same. But a real rowhouse describes a huge group of equivalent homes built at the exact same time by the same builder.
A few years ago, a single comlany put out an infomercial casing their customizable properties. So although a individual might be able to afford to rent an apartment operating a minimum wage job by sticking to a very strict spending budget, most apartment complexes will not rent to him. The properties you've pictured are gorgeous and great examples of how you can have a beautiful and contemporary home although becoming environmentally friendly. Verify out the creative methods that people decorated the interiors of their Quonset-hut houses. To get into most apartment complexes in the United States, applicants must have a excellent credit history and have a job at which they earn at least 3 instances as much as the monthly rent. There was a statistic going around a handful of weeks ago about how numerous hours a particular person would need to work at a minimum wage job just to afford an apartment I think it was something like 80 hours a week (depending on the location).
We arrived at around six:00 p.m. on a rainy Tuesday night, and currently there was a line to be seated! We used to pay a visit to our houses yearly when for some years, then at a gap of 2 or three years, like that. It took 10 years to dissuade the government to move the path of the highway, but … Read More


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Tate Modern
Who would have thought that an old London power station would be the center of one of the worlds largest collection of modern and contemporary art. And one of the most visited. Tate Modern on the South Bank is just that.
The collection has grown so much that in 2016 it opened a much acclaimed extension and even is you are not interested in art the building itself is worth a visit. The cavernous Turbine Hall which once held the big large machines of the power station are today silent. Large commissioned works, are once a year being displayed here and are always highly anticipated.
On a guided tour of Tate Modern we shall look and hear about some of the great British and international artists that is on display. I will show you that modern art is not scary at all! Its fun to discus art and see how everyone looks at it differently.
Picasso, Warhol, Hockney all displayed side by side with the likes of Freud, Tuner and Rothko.
Tate Modern has free entrance apart from access to special exhibitions.


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Reply To: need to be sure
Home › The Candida Forum › Candida Questions › need to be sure › Reply To: need to be sure
yisucks;30746 wrote:
Pure alcohol doesn't feed candida. Alcohol is a by product of yeast fermentation. By the way, alcohol doesn't kill candida either, at least in low concentration. Alcohol kills bacteria.
But doesn't alcohol turn into sugar? I am going to stop the treatment for sure, but am upset by the possibility this has set me back…because, honestly, I'd much rather be DRINKING alcohol then getting it through some useless detox kit, so blowing my diet on that is frustrating as hell.
No. Alcohol can only be broken down to CO2 and water. Where alcohol enters the metabolic pathways it can not be synthesized back to carbohydrate or fat. Alcohol can affect blood sugar level in secondary ways.


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Written by Daniel Simpson
Over the last few years Kevin Hart has gone from being a successful comedian to being one of the biggest comedic actors of the day. He plays the lead in multiple films each year and he's also become a pretty bankable movie star. Even something like Get Hard, which was negatively received and seldom talked about, made over $100 million dollars worldwide. I've watched Hart's ascension from a far since none of his movies seemed like they'd be really worth watching. To be blunt, I thought they all looked terrible and critics tended to not really be on board either. I did catch a good chunk of Ride Along on TV once and it more or less confirmed my thoughts. Still, I am willing to give Kevin Hart a chance. He doesn't seem to be going anywhere after all so I should probably get further acquainted. Central Intelligence seemed like my best bet. The reviews were a bit better after all, and I also think Dwayne Johnson is a really strong comedic personality, so I thought I'd give Central Intelligence a shot.
The film opens by juxtaposing two different students. The first is Calvin Joyner (Kevin Hart), who is popular and ambitious, as he is named the student most likely to succeed. The second is Robbie Weirdicht (Dwayne Johnson), an overrated and socially awkward student who as the movie opens is embarrassed in front of the entire student body, with only Calvin extending kindness. Cut to twenty years later and Calvin's life hasn't really panned out. He married his high school sweetheart and he also has a well-paying accounting job, but he finds himself unfulfilled. Comparatively, Robbie has become extremely muscular, good looking, has changed his name to Bob Stone, and works as a secret agent for the CIA. Bob has become embroiled in a scheme involving the selling of satellite codes to some terrorists and enlists Calvin for his accounting skills.
Clearly, this is not a very good storyline. This is basically a jumble of spy movie clichés thrown together to create comedy and the more emotional storyline involving the fact that Robbie was bullied as a teen also doesn't really matter. All Central Intelligence really cares about is the jokes, which is unfortunate considering the film isn't funny. Most of the humour is broad, obnoxious, and more often than not just bland. This doesn't even have the gull to be excessively stupid or inappropriate, it's just really dull, neutered comedy that always goes for the expected gags. I still don't really see the appeal of Kevin Hart. He has a lot of energy, but he spends most of the movie whining and he ends up being more annoying than anything. Dwayne Johnson definitely fares better here. The dude is naturally charming and he also manages to get some chuckles, but he can't save the poor script. On that note, there are a few moments here and there which do work, but they are the minority.
From a directorial standpoint, the film is just as bland as its comedy. The cinematography is overly bright and director Rawson Marshall Thurber is content to just point his camera at the actors and let them go off. I probably wouldn't even bother talking about the film's visuals and direction were it not for the fact that last year's Spy puts this to shame. I'm not exactly going to champion that film, but it's a way more effective comedic take on spy clichés than anything to be found here. Not only is that film funnier, but it also looks a lot better and you can also tell that Paul Feig put some genuine effort into crafting decent action scenes. The same cannot be said for Central Intelligence, which isn't incompetently directed, but has no sense of effort.
I thought I had fair reason to check out Central Intelligence, but looking back I don't even know why I wasted my time. This is exactly the kind of uncreative and forgettable comedy that studios crank out with little thought or care. In short, it's a fast-food product, and I wouldn't really mind if it at least been fun, but it really isn't. Don't waste your time on this.


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|Connie Haley
From roots planted on a mid-Michigan farm, digital artist Connie Haley now resides in rural East Texas with her husband and two children. A graduate of Michigan State University with a degree in advertising, Connie founded an advertising agency which thrived in her local market for many years. But a more creative, less structured artistic outlet called. First as an agency for other artists and photographers, Connie transitioned into the world of art licensing.
Eventually she began to develop her own distinct brand of digital imagery based on things she loves: flowers, plants and other things of nature. "It is such fun to create something entirely unexpected from something familiar. Most of the time, even I am surprised by the imagery as it evolves on my computer," she says. "For inspiration, I look to God, my environment, and to the bright eyes and big hearts of my children."
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text: A news network that Greece's government had ordered closed is still broadcasting on the internet. Greeks are able to log on to ERT's live feed and its journalists are working unpaid. Supporters of the TV station have held a nationwide strike against its closure. Al Jazeera's John Psaropoulos reports from Athens. SOURCE: Al Jazeera Arts & Culture Europe Greece


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November 19, 2008
A Change of Pace and Policy
I have decided that, as of this point forward, I will no longer be accepting books for review from authors, publishers, or publicists. There may be some exceptions to this rule, but they are not really worth mentioning at this point. My about page will soon be modified to reflect this change.
I do still have a stack of for-review books to work through, and I will get to all of those in due time. After that, however, I will be concentrating my reading on less-new books, from my own collection and from libraries and from other such sources.
My reasons are as follows:
1) It's not you, it's me.
Right now, I am simply reading too much -- and doing too much with the rest of my life -- to be able to keep up with reviews. I have an awful lot of books to get through for school, which means that books from authors and people get pushed further and further down the pile. That's not particularly fair to those who have sent me texts to read. I cannot get reviews up in a timely manner anymore.
2) Actually, sometimes it is you.
Some of the review copies I've received over the past few months have been really fantastic, super books, books I'm glad that I've read. Others, however, have ranged from mediocre right down to abysmal. I haven't the patience to figure out which is which, and there's nothing more irksome than slogging through some bad book just because I'm obligated to review it. I'd rather spend my pleasure-reading time actually reading for pleasure.
So what will change here? Probably not that much, as far as the rest of you are concerned (those of you who are not me, I mean). Obviously I will keep reading books and writing about books -- I'll just be sourcing the books I read in a different way. Things here might become moderately more amusing, since I'll be more relaxed about the reviews that I am doing (though no promises). I may still participate in the occasional book tour or whatever, but I'm going to play those by ear.
To answer one question that may be asked, I'm not doing this because I'm afraid of having an experience like Trish's. I think that authors like that are not common, and I'm not particularly concerned if authors don't like my reviews. The discussions centred around that were not the catalyst of my decision, although they were timely.
8 comments:
- Sheri said...
First of all, I just love your header and must tell you so!
Second, boy did you get me on a roll... going from site to site... leaving comments...
Third, I did change my policy on my ABOUT page... if you're interested in reading it. This is because of your amazing post!
Thank you!
- November 19, 2008 at 4:16 AM
- Christine said...
You're welcome, Sheri. This is something that I've been thinking about for a couple months -- it just seemed the appropriate time to make the final decision, with what's been going on recently.
And which header did you see, I wonder? I've got about fifty, that rotate.
- November 19, 2008 at 4:59 AM
- Rebecca @ The Book Lady's Blog said...
Thanks for sharing this change with us and for stating it so well. I've always been pretty selective about what I accept from authors, publicists, and publishers for review, and I make sure they know up front that I'm going to write an honest review, whether it's positive or negative....but as nice as it is to receive free books, it does interfere with one's personal reading time. My pile of TBR/ARCs for review has continued to grow, while my personal TBRs are languishing on the shelf, making occasional appearances in my monthly round-up. I'm hoping to strike more of a balance in the new year, and I hope your changes will make your reading time more valuable and enjoyable for you.
- November 19, 2008 at 5:17 AM
- Katherine said...
Thanks for sharing this with us. It's always hard to tell from a press release or similar what's good or bad, so the easiest way to cut out unwanted review copies is to not accept any more. I've got this policy that I only accept ARCs that I've requested myself, because in those cases I've already done a fair amount of research on a book and can judge for myself whether or not it's something that I might like. Life is just too short for bad books, and it's also too short for authors who make your life hell simply because you didn't just LOVE his or her book.
- November 19, 2008 at 8:35 AM
- 3m said...
Well stated! I've been thinking of doing the same, but I'll still probably accept books on a VERY limited basis. I still love reading new books, but some of my favorites from 2008 are books I found at the library -- Atmospheric Disturbances and Downtown Owl come to mind.
- November 20, 2008 at 6:50 AM
- Adventures in Reading said...
Bravo. I was holding out on continuing to take free copies, but after my last few I'm reconsidering.
- November 20, 2008 at 9:52 AM
- Mrs. Micah said...
I've got two items to review, one book and one product, and really don't feel like it. So I understand.
- November 29, 2008 at 7:02 PM
- Christine said...
Yes -- sometimes I look at my piles and all I can think is, OH NO. But I think over the Christmas break I may be able to discharge the last of my obligations. Then it's back to reading for fun! (well, fun and school...)
- December 1, 2008 at 6:12 AM


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Two former brokers pleaded guilty yesterday to taking secret stock information, another victory for New York State prosecutors in one of the biggest insider trading cases of recent years.
Robert Breed, a former broker at First United Equities, and Jennifer D'Antoni, a former Duke & Company broker, both pleaded guilty to charges brought by the Manhattan District Attorney, Robert M. Morgenthau. Mr. Breed pleaded guilty to third-degree criminal possession of stolen property, and Ms. D'Antoni pleaded guilty to a violation of the state's general business laws. Both pleas were in connection to the use of confidential information supplied by Marisa Baridis, a former compliance aide at the Wall Street firms Morgan Stanley and Smith Barney.
Nine people have now admitted guilt in the case, in which Ms. Baridis, 30, admitted selling tips on stocks of companies involved in takeovers. She pleaded guilty late last year to Federal charges of conspiracy and securities fraud and is awaiting sentencing.
Two other defendants, Mark Nogid and Vincent Napolitano, continue to fight the charges. Their trial is scheduled to begin on March 8.
The Baridis case has been a subject of contention between state and Federal prosecutors. Both offices originally brought charges against Ms. Baridis, but Mr. Morgenthau's office backed down because the dual charges raised concerns about double jeopardy.
But the state has continued to prosecute others involved in the case. Justice Edward J. McLaughlin of New York State Supreme Court in Manhattan ruled in September that state prosecutors have the authority to pursue insider trading cases, an area once considered the preserve of Federal prosecutors.Continue reading the main story
''We are hoping that anyone involved in insider trading will realize that they are subject to prosecution in the state courts under the penal law,'' said James M. Kindler, chief assistant district attorney.Continue reading the main story