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Alternate Names
Cardiac pacemaker implantation - discharge; Artificial pacemaker - discharge; Permanent pacemaker - discharge; Internal pacemaker - discharge; Cardiac resynchronization therapy - discharge; CRT - discharge; Biventricular pacemaker - discharge
When You Were in the Hospital
You had a pacemaker placed in your chest to help your heart beat properly.
- A small cut was made on your chest below your collarbone. The pacemaker generator was then placed under the skin at this location.
- Leads (wires) were connected to the pacemaker, and one end of the wires was threaded through a vein into your heart. The skin over where the pacemaker was placed was closed with stitches.
Most pacemakers have only one or two wires that go to the heart. These wires stimulate the right or left side of the heart when the heartbeat gets too slow.
Some pacemakers also can deliver electric shocks to the heart that can stop life-threatening
You should know what type of pacemaker you have.
What to Expect at Home
You will be given a card to keep in your wallet.
- The card has information about your pacemaker and includes your doctor?s name and telephone number. It also tells others what to do in case of an emergency.
- You should always carry this wallet card with you. It will be helpful to any health care provider that you may see in the future because it says what kind of pacemaker you have.
You should wear a medic alert bracelet or necklace that says you have a pacemaker. In a medical emergency, health care workers taking care of you should know you have a pacemaker.
Be Careful Around Things with Magnets
Most machines and devices will not interfere with your pacemaker. But some with strong magnetic fields may. Always ask your doctor or nurse about any specific device that you need to avoid. Do not put a magnet near your pacemaker.
Most appliances in your home are safe to be around. This includes your refrigerator, washer, dryer, toaster, blender, computers and fax machines, hair dryer, stove, CD player, remote controls, and microwave.
You should keep several devices at least 12 inches away from the site where the pacemaker is placed under your skin. These include:
- Battery powered cordless tools (such as screwdrivers and drills)
- Plug-in power tools (such as drills and table saws)
- Electric lawn mowers and leaf blowers
- Slot machines
- Stereo speakers
Tell all health care providers that you have a pacemaker before any tests are done.
Some medical equipment may interfere with your pacemaker.
Stay away from large motors, generators, and equipment. Do not lean over the open hood of a car that is running. Also stay away from:
- Radio transmitters and high-voltage power lines
- Products that use magnetic therapy, such as some mattresses, pillows, and massagers
- Large electrical- or gasoline-powered appliances
If you have a cell phone:
- Do not put it in a pocket on the same side of your body as your pacemaker.
- When using your cell phone, hold it to your ear on the opposite side of your body.
Be careful around metal detectors and security wands.
- Handheld security wands may interfere with your pacemaker. Show your wallet card and ask to be hand searched.
- Most security gates at airports and stores are okay. But do not stand near these devices for long periods. Your pacemaker may set off alarms.
After any operation, have your doctor check your pacemaker.
Wound Care
You should be able to do normal activities in 3 - 4 days.
For 2 - 3 weeks, do not do these things with the arm on the side of your body where the pacemaker was placed:
- Lifting anything heavier than 10 - 15 pounds
- Too much pushing, pulling, or twisting
Do not lift this arm above your shoulder for 6 weeks. Do not wear clothes that rub on the wound for 2 or 3 weeks. Keep your incision completely dry for 4 - 5 days. Afterward, you may take a shower and then pat it dry. Always wash your hands before touching the wound.
Your doctor or nurse will tell you how often they will need to check your pacemaker. Most times, it will be every 6 months to a year. The exam will take about 15 - 30 minutes.
The batteries in your pacemaker should last 6 - 15 years. Regular checkups can detect if the battery is wearing down or if there are any problems with the leads (wires). Your doctor will change the generator along with the battery when the battery gets low.
When to Call the Doctor
Call your doctor if:
- Your wound looks infected (redness, increased drainage, swelling, painful).
- You are having the symptoms you had before the pacemaker was implanted.
- You feel dizzy or short of breath.
- You have chest pain.
- You have hiccups that do not go away.
- You were unconscious for a moment.
Swerdlow CD, Hayes DL, Zipes DP. Pacemakers and implantable cardioverter-defibrillators. In: Libby P, Bonow RO, Mann DL, Zipes DP. Libby: Braunwalds Heart Disease: A Textbook of Cardiovascular Medicine. 9th ed. Philadelphia, Pa: Saunders Elsevier; 2011:chap 38.
Review Date:
Reviewed By:
Michael A. Chen, MD, PhD, Assistant Professor of Medicine, Division of Cardiology, Harborview Medical Center, University of Washington Medical School, Seattle, Washington. Also reviewed by David Zieve, MD, MHA, Medical Director, A.D.A.M. Health Solutions, Ebix, Inc.


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Ok, it's been quite some time since progress on PEDRO the robot dog was posted, but since we've just had our first kid (welcome little baby Emily!), I think I can be forgiven...
There's been quite a bit of development behind the scenes of Pedro - but about the only visible change is much smoother walking due to improving the controlling windows software running on Microsoft Robotics Studio.
The robot has always been plagued by really bad timing jitter due to the use of windows software to generate servo movements at 50Hz; precise timing is just not a strong point of windows software in general.
I did a lot of experimenting with different methods of generating timing, and settled on the windows multimedia timer as the best method to use to generate the 50Hz servo update messages that get sent to the robot. I then had a lot of trouble getting them to work within my Robotics Studio code for some reason. I won't bore you with the details, but I got some help on the MSDN robotics forum from KuSter (follow this thread if you're interested) and ended up writing a little separate program to act as a metronome using the MM timers and sending TCP/IP timing messages through to the robotics studio service every 20ms. Eventually I'm going to change the software around quite a bit, and have the robot ask for position updates from the PC every cycle so the robot becomes the timing master rather than just a slave device. This way the AVR micro can precisely control the rate position updates are sent to the servos.
In the meantime still generating regular servo updates from the PC end, the timing is much better (still far from perfect though); check out this video -
In the video I'm using a USB cable for communications between the robot and the laptop because I still have a problem with the WiFi connection to the robot. The WiFi is provided by a Lantronix WiPort module (same as the Surveyor folks) but I've had problems with getting consistent performance from it given I'm trying to send servo updates at 50Hz across the WiFi link.
I'm also tackling the WiFi problem as well - I've just bought a replacement WiFi module from the guys at SparkFun, it's the WiFly GSX module from Roving Networks. I bought the module already mounted onto a breakout board so I could test it right away.
I also got this FTDI 3.3V USB converter from SparkFun as well so I could hook it up to the new WiFi module and start testing it right away. This I did, and it worked without any trouble at all. I tested it by hammering it with 50Hz packets (actually I used my normal Pedro robot software to be totally authentic), and it worked very well without any of the strange dropouts I got with the Lantronix WiPort module. Of course it is possible that my Lantronix module is a dud, but regardless the WiFly GSX is lower power, smaller and just as fast, so if Pedro gets a revision 2 of the controller PCB, the WiFly will get pride of place. In the mean time, I will remove the Lantronix module and mount the WiFly onto the current board as neatly as possible.
Other than the stuff I've described above, I've been tooling away on the walking algorithm in order to finally have a system that can calculate and plan the foot movements dynamically, so the robot stays stable and upright no matter what direction or rotation it is instructed to follow. I've come a long way with this, but it'll need some serious debugging and testing before its ready for prime time.

subset: commoncrawl


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Art Classes with Sally McLean
Sally McLean has been running Art Classes for Adults for ten years in Jindalee; for some time in Coorparoo and now from her home in Thorneside.
Sally specializes in portraiture and receives commissions both locally and interstate.
You can view some of Sally's art works on her website www.sallymcleanartist.com.au.
Sally runs Art Classes for Adults from her home in Thorneside on Wednesday and Thursday mornings from 9:30am to 12:00 noon.
Students may choose to use Pastels or Acrylics and bring their own materials. (A materials list is provided on enrolment).
Students may be absolute beginners or those with more experience. Learning is self paced. No Experience necessary!
Classes are small (8 to 10) ensuring students receive plenty of one on one attention.
Beginners are given instruction on how to use their chosen medium by means of demonstrations and exercises provided by Sally.
Many basic Topics are covered such as Colour Theory, Composition, Shape, Colour and Tone etc…
Pastel application techniques are covered as well as many exciting acrylic and mixed media techniques such as gold leaf; texture; stencilling etc….
Once a beginner is confident using their chosen medium they are encouraged to begin projects of their own choice with continued mentoring.
A lovely way to set time aside for yourself to indulge in creating with paints and pastels as well as enjoying the company of like minded people/artists.
Sally may be contacted on 0438 186 821


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Officers find meth-making items in backpack
Officers find meth-making items in backpack
KNOXVILLE, Iowa —
A Des Moines man has been arrested and charged after Knoxville police found meth making materials in his backpack, reported KNIA/KRLS radio.
Justin Vandermartin, 20, was charged with conspiracy to manufacture methamphetamine, possession of precursor lithium, possession of precursor pseudo-ephedrine and possession of drug paraphernalia.
KNIA/KRLS reported that Vandermartin was taken to the Marion County Jail with bail set at $61,000.
Officers found Vandermartin at a home in Knoxville on Thursday night when they went to serve a warrant for another man, reported KNIA/KRLS.
Officers said they found meth-making materials in the backpack, including pseudoephedrine pills, coffee filters and starter fluid.


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I'm really curious as to why Loomis was giving the Sunday cards such a hard time. I didn't see any of that on Saturday.
The smoking ban was handed down from DD.
This is a public forum. Outside of the limited set of rules for language/personal info/etc you can post what you want. I'm just regurgitating what Loomis said to us. Might as well ban smoking/vapor too though.


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Oct. 22 Mike Matheny postgame interview
Q. Just talk a little bit about the lack of offense, maybe for the last three games, I think it spanned 28 innings with one run. Credit obviously to San Francisco's pitching, but what didn't you do?
MIKE MATHENY: We've got to put something on the board and our offense has potential to do it and we've done it all season. But you have short runs like this sometimes, it's a tough game. And it's about the team that's hot, and we went on a cold streak. We got to this point by being that team that was hot and taking advantage of opportunities. But we just couldn't make it happen these last two games.
Q. Just talk a little bit about the lack of offense, maybe for the last three games, I think it spanned 28 innings with one run. Credit obviously to San Francisco's pitching, but what didn't you do?
MIKE MATHENY: We've got to put something on the board and our offense has potential to do it and we've done it all season. But you have short runs like this sometimes, it's a tough game. And it's about the team that's hot, and we went on a cold streak. We got to this point by being that team that was hot and taking advantage of opportunities. But we just couldn't make it happen these last two games.
Q. Did you think the fact that Holliday and Beltran were banged up had a significant impact?
MIKE MATHENY: They've been banged up all season off and on. Those are the guys that got us here. We just couldn't get anything rolling. We tip our hats to the Giants. They had all aspects of their game going, and capitalized on the opportunities.
Q. The bizarre spinning ground ball that Pence hit in the third. How did you see that from where you were?
MIKE MATHENY: Well, right after the bat, that's exactly what we were hoping for. Joe Kelly came in, especially as a young pitcher, came in and did a terrific job getting the ball on the ground. As the ball left the bat I thought that was our double play.
But just to say a comment on Pete Kozma, I don't believe that we're here right now, and I don't know if we would have got out of September, early October, if we hadn't had Pete Kozma step up like he did. He's been a tremendous shortstop for us, and once we lost Rafael Furcal, that ball was very unusual the way it came off the bat.
But all in all our guys did a great job in giving us an opportunity. It's just too bad this is the one they're going to have to chew on for the whole winter, because this team has a lot to be proud of.
Q. In this your first experience, what do you take away from this from the manager's perspective, what did you learn in defeat?
MIKE MATHENY: Well, I learn something every time I walk out there. But really, what I've learned is we've got a special group of players over on our side who have overcome a lot of obstacles and who did a lot of things that people didn't think they could do. And there's quite a bit to be excited about if you're a St. Louis Cardinal fan and I just want to make sure that these guys don't forget how we got here and the character and the heart that it took to be where we are right now.
It wasn't how we scripted it to finish, but it was certainly a great run that these guys need to be very proud of.
Q. In the first couple of innings it appeared that Matt Cain didn't necessarily have his best stuff. Did you feel like you were going to get to him?
MIKE MATHENY: We were hitting some balls hard, yeah. I believe in our offense. We've had a very potent offense all season long, despite having a couple of games in a row where we didn't have much going. I didn't doubt for a minute that we would get something going. He did a nice job of keeping us off balance, like we've been off balance a few days here. But I know our club fully anticipated something was going to happen, it just didn't.
Q. What do you think changed in the Giants, the opponent that you saw there, from Games 4 to 5, 6, 7, was it just pitching? How did they seem to change to you? It was a different team.
MIKE MATHENY: They were swinging the bat well and capitalizing on the mistakes that we made. And you have to acknowledge the fact a team just gets rolling. It's sometimes hard to stop them. And they definitely got things going in a positive way offensively. They were consistent with their pitching. They had a couple of guys step up, especially their starters, who had some very impressive starts for them and gave them a chance.
But we had such a good starting staff, and our bullpen, especially, some of our young guys did a great job of keeping us in some games.
But they got hot. We didn't.
Q. Also, a minor point, I know Kelly has pitched well this postseason, but the way Rosenthal strikes out guys with the bases loaded in a 2‑0 game, did you think of going to him at that point or was it all Kelly in your mind?
MIKE MATHENY: Right there we needed a ground ball, exactly what Joe Kelly got us. A pitcher would have been up 5th, which we would have risked losing Trevor Rosenthal for a partial inning instead of being able to stretch him out a bit. But we wanted the ground balls, and Joe Kelly came in and did what we asked him to do. He did a very nice job all through this run of answering the bell and really having great composure for a young pitcher.
Q. In that third inning when it just wouldn't stop, 7 straight batters reached base. How were you feeling when it just wouldn't stop?
MIKE MATHENY: It's obviously not how we put it together. But we've been there before. We've been down and I've seen this team fight back. They just didn't give us much room to do it. But to us you just keep playing the game. You respect the game. You respect the opponent, and realize you keep doing things the right way things work out. But we just couldn't put it together. But to get down and discouraged, that does nobody good. We got to the point where we are by believing in ourselves and continuing to play good baseball.
Q. I don't know if you addressed this earlier, just the hit that Hunter Pence got, the broken bat hit. That was just one of those freakish things, the ball slices. If the bat doesn't break, maybe it goes left, Kozma makes the play and who knows what happens. You've played and managed enough of these games when you see something like that happen, you must think, oh, my gosh, this just isn't our night or you can't let that happen?
MIKE MATHENY: Yeah, but that is a turning point in the game. You're looking at a potential double play. We may be able to get out of that inning where it's a 3‑0 game. And that was really what we were hoping for, to get that ground ball. And it was just one that had a lot more spin than what they usually have. And it was a tough play.


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[image id="e80ba6ce-7cfe-4838-abe6-982213144fc4" mediaId="e59c0202-5c5a-4550-9474-e4ea0db70dfd" loc="C"][/image]UPDATE: Following last night's altercation between Justin Bieber and Orlando Bloom, Justin took to his Instagram to respond. The 20-year-old singer posted a photo of Orlando Bloom crying—no caption included. Just 10 minutes after posting the photo, Bieber quickly deleted the post.
[image id="745fa84f-8080-4f9d-8145-78570e77abe7" mediaId="edd998f5-9a7c-4742-9426-568f47edcc58" loc="C"][/image]
- Footage of Orlando Bloom arguing with Justin Bieber at an Ibiza nightclub last night has emerged. Bieber reportedly made a comment about Miranda Kerr, from whom Bloom is separated, with Bloom later trying to throw a punch. Page Six
- We're not in Brooklyn anymore: Girls star Allison Williams will play Peter Pan in NBC's live broadcast to be aired December 4. Huffington Post
- Alexa Chung's formula for getting more Instagram likes? Glastonbury, great hair and a little bit of nail art. Grazia
- Would you use a straightener to dye your hair? Chemical-free hair color, using "ion beams" to coat the hair, could be the future of the industry. Telegraph
- Watch Lady Gaga lend Joseph Gordon-Levitt a dollar in the super sexy trailer for Sin City: A Dame to Kill For. Grazia
- Dior has partnered with the Princess Grace Foundation USA for three upcoming events over the next two years. BAZAAR UK


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As President Barack Obama officially kicks off his second term in the White House, equity investors are hoping stock prices repeat their performance during his first four years.
Continue Reading Below
Bouncing back from the Great Recession, the Dow Jones Industrial Average soared 71.7% from January 20, 2009, until Friday, the second best performance under a presidential first term since FDR in 1937, according to Dow Jones.
When Obama took the oath of office, the stock market was severely beaten down, trading at decade lows due to the economic chaos caused by the worst financial crisis since the Great Depression.
Stock prices initially tumbled on his watch, dropping another 18.6% to as low as 6469 in March 2009 as investors feared another depression.
Eventually, the selling stopped as the government stood behind big banks and the Federal Reserve opened its easy-money spigot, kicking off a bull run that has lifted the Dow an incredible 113% through this week.
American Express (NYSE:AXP) and Home Depot (NYSE:HD) were the best blue-chip performers during the first four years of the Obama Administration, surging 251% and 182%, respectively.
Just two members of the Dow lost ground under Obama: aluminum maker Alcoa (NYSE:AA) and tech giant Hewlett-Packard (NYSE:HPQ), falling 4.5% and 51.8% respectively.
While administrations may take credit for the performance of the stock market, it's important to remember equity prices are often determined by economic cycles, geopolitical events and central-bank policy.
First-Term Successes and Failures
Still, the Dow's 71.7% run during Obama's first term looks especially good when compared with a 1% decline during the first four years under President George W. Bush that left the blue chips at 10471 in January 2005.
President Clinton's first term enjoyed the greatest amount of stock market prosperity in the modern era as the Dow Industrials surged 111% to 6844 in January 1997.
That impressive rally, fueled by the inflating dotcom bubble, was the best four-year presidential term performance since the blue chips skyrocketed 245% in President Franklin Roosevelt's first term to 185.96 in 1937, according to Dow Jones.
First presidential terms have mostly seen more modest performance in recent decades, including a 45% gain during President George H.W. Bush's only term, a 29% increase between 1981 and 1985 under President Reagan and a 0.87% contraction under President Carter.
President Hoover presided over the ugliest presidential term for stock prices: the Dow plummeted 83% from March 1929 until March 1933 amid the market crash of 1929 that set off the Great Depression.
Encore Performance?
So how will Obama's second term turn out for investors? History shows that most presidents who were re-elected have seen the markets rise.
In fact, the 24% slide for the blue chips during Bush 43's second term amid the housing slump and financial crisis was the first such occurrence since a 24% decline during President Nixon's scandal-shortened second term.
Stocks also dropped 30.5% during the second of four terms for FDR and 21% amid President Wilson's second stint in the White House.
Even taking into account those ugly four-year periods, the Dow has rallied an average of 24.2% in the 12 second terms since 1901, according to FOX Business calculations of Dow Jones data.
Reagan enjoyed the best second term market performance of the modern era, witnessing the Dow Industrials soar 77% to 2235 in January 1989. That was second only to the benchmark index's 155% surge under President Coolidge through March 1929.
2013 And Beyond
For the market to come close to those impressive returns over the next four years, the global economy would seemingly need to escape its slow-growth speed.
Still, some observers believe the stock market's list of concerns has been chopped in recent months, especially with the fiscal cliff put off, Europe's debt mess being cleaned up and a relatively quieter geopolitical tone in the Middle East.
Investors' wall of worry at the start of 2013 "doesn't look as high as over the past three years," Ed Yardeni, president of investment advisory Yardeni Research, wrote in a note. "Fiscal policy is likely to remain worrisome over the rest of the year. Yet the stock market is still climbing the wall."


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(Release: October 25, 2011) - For the fall semester, Hagerstown Community College has 20 student interns working in organizations throughout the community.
In the alternative energy technology program, Ryan Ballard, of Hagerstown, is interning at Mountain View Solar and Wind.
In the biotechnology program, interns include Jonathan Adams, of Hagerstown, at Washington County Department of Water Quality, and Dana Casey-Kriechbaum and Kenise Lewis, both of Hagerstown, and Cynthia Starzyk, of Smithsburg, at InnovaBio MD.
In the graphic design program, Natalie Markovich, of Greencastle, Pa., is placed with the Women's Journal of Western Maryland and Scott Wise, of Hagerstown, is at the C&O National Historic Park.
In the field of human services, Wilbur Brunner, of Hagerstown, is interning at Reach of Washington County and Debra Taylor, of Hagerstown, is at the Washington County Health Department.
In computer forensics, Damien Armstrong, of Hagerstown, is interning with Guild Launch. Christian Shifflett, of Bunker Hill, W.V., is interning at Winchester Medical Center as part of the computer support specialist program.
In the networking technology program, interns include Paul Baka, of Waynesboro, Pa., at Ongoing Operations, Williams Leskovec, of Winchester, Va., at the C&O National Historic Park, Benjamin Rivera, of Hagerstown, at Global Data Consultants, Christian Snyder, of Hagerstown, at Washington County Government, and Joshua Stultz, of Maugansville, at HCC.
Bobbie Fairman, of Boonsboro, is interning at Mt. Nebo Christian Preschool as part of the child care professional program.
In the pharmacy technician program, interns include Jeffrey Cook, of Clear Spring, at Home Care Pharmacy, Patricia Munoz, Greencastle, Pa., at CVS Pharmacy, and Blanca Quezada, of Hagerstown, at Meritus Medical Center and Home Care Pharmacy.
For more information on the internship program at HCC, contact Bonnie Saunders at firstname.lastname@example.com or 240-500-2260.


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Turns out the iPad mini isn't cannibalizing demand for its larger sibling, the iPad 4 to the degree some analysts expected. While some predicted the 7.9-inch iPad would cut into sales of the 9.7-inch iPad by as much as 50%, that hasn't been happening. Instead, any cannibalization that is happening is being more than offset by the amount of new customers Apple is gaining. That's according to a new study of 1225 U.S. adults by Cowen and Co. that says 52% of people who were planning on buying an iPad mini in the next 18 months are buying their first tablet. John Paczkowski of All Things D reports reports:
In other words, few consumers are buying an iPad mini as an iPad replacement. And, more importantly, for many buyers, the iPad mini is their first tablet. With the iPad mini, Apple isn't wooing consumers who might have otherwise purchased a larger iPad, it's jacking into an untapped market looking for a smaller version of the tablet it first uncrated in April 2010.
Of course, some who might have purchased an iPad 4 will see the iPad mini and buy that instead, but right now, that doesn't seem to be happening on a large scale. People who want the mini are buying the mini, while people who want a larger iPad are buying that. Apple's new customers are, for the most part, those who chose to wait for a smaller, less expensive iPad, rather than a smaller, cheaper tablet. Many people aren't replacing a Kindle Fire with an iPad mini. Only 13%. Most were holding out for a smaller iPad and never bought a Fire in the first place. Microsoft, however, wasn't as lucky. 42% of iPad mini buyers say they were buying it to replace a Windows PC.
Apple has always said they'd rather cannibalize themselves than wait for someone else to do it for them. They've also said the iPad cannibalizes far more than Apple itself. The iPad mini might just be extending that pattern.
Was the iPad mini your first tablet? If not, what did it replace?
Source: All Things D


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LEXINGTON, Va. – Washington and Lee rushed for a conference-record 503 yards and totaled 562 total yards in posting a 45-28 win over Emory & Henry in ODAC football action on Saturday at Wilson Field.
The Generals (4-1, 2-0) jumped out to a 14-0 lead just 5:44 into the game on a pair of touchdown runs by senior running back Luke Heinsohn (Charlottesville, Va./Covenant). Heinsohn capped an 8-play, 69-yard drive to open the game when he scored from 1-yard out. After the defense forced a 3-and-out by the Wasps on the next possession, Heinsohn took the first play 47 yards for a touchdown and a 14-0 lead.
Emory & Henry (3-2, 0-2) closed to 14-7 just 1:52 later when sophomore running back Joe Vaughn (Gate City, Va./Gate City) ended a 7-play, 71-yard drive with a 3-yard touchdown run. However, Heinsohn scored his third touchdown at the 11:56 mark of the second quarter to put the Generals up 21-7.
W&L added a 21-yard touchdown run by senior running back Sasha Vandalov (Vienna, Va./James Madison) and a 27-yard field goal by Heinsohn as time expired for a 31-7 lead at the halftime break.
E&H took the opening kickoff and promptly marched 65 yards on seven plays as Vaughn scored his second rushing touchdown, another 3-yard scamper, to cut it to 31-13 with 12:51 left in the third quarter. The PAT was missed.
The Generals retaliated at the 7:50 mark as junior quarterback Nick Lombardo (Duluth, Ga./Peachtree Ridge) capped a 76-yard drive with a 12-yard touchdown pass to senior tight end Eli Chester (Cumming, Ga./North Forsyth) for a 38-13 advantage. E&H made it 38-21 with 3:14 left in the penultimate quarter when junior quarterback Kyle Boden (Knoxville, Tenn./Karns) scored on a 10-yard touchdown run and then found senior wide receiver Davon Ross (Glen Wilton, Va./James River) for a 2-point conversion.
Senior running back Brett Murray (Lookout Mountain, Tenn./Baylor) ended a 13-play drive with a 1-yard touchdown run for a 45-21 lead with 12:15 left to play and E&H provided the final margin when senior linebacker Ross Ellis (Abingdon, Va./Wofford) scored on a 47-yard fumble return with 9:17 remaining.
The Generals held the ball for better than 37 minutes in the contest, racking up 29 first downs. Lombardo paced the rushing effort with a career-high 164 yards on 23 carries. He also completed 3-of-10 passes for 50 yards and a touchdown. Heinsohn carried just 13 times for 138 yards and three touchdowns, moving into the Top 5 in ODAC history in career scoring with 255 points. Vandalov gained 85 yards and a touchdown on just seven carries, while Murray amassed 59 yards and a touchdown on 15 rushes. Senior safety Jake Pelton (Charlottesville, Va./Monticello) led the defense with 12 tackles, and senior defensive lineman Greg Barton (New York, N.Y./Dalton School) tallied four tackles and a pair of sacks.
Vaughn led an Emory & Henry offense that gained 344 yards by rushing for 171 yards and two touchdowns on 31 carries. Boden completed 23-of-31 passes for 147 yards and Ellis paced the Wasps' defense with 15 tackles and the fumble recovery score.
Washington and Lee returns to action on Saturday as it hosts Randolph-Macon for a 1:00 pm contest.
-- http://generalssports.com --


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Take TrackR bravo outdoors. To the beach, the pool â or for a walk in the rain.
Easily attach your TrackR bravo to your backpack, water bottle, or anything else.
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Battery Replacement Program: Easily 3067959083 online or through the TrackR app.
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Range: Bluetooth range, up to 100 feet. Obstacles such as walls or furniture may affect range.
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Stay connected. Order TrackR bravo today and easily find your items with your phone.(631) 297-0572
Stay connected. Order TrackR bravo today and easily find your items with your phone.Luba


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When you sign up for this website be sure to use the same e-mail address that you used on your Ikes Membership? Check out this post for details why!
Competitive Shooting
The Ankeny Ikes host a wide variety of competitive shooting events. Our shooters range from first timers to veteran masters providing a fun experience for all.
Competitive Shooting Discussion
Discussions about all disciplines of Competitive Shooting as well as announcements of major matches and other events. (This forum will replace the Yahoo Mailing List.)
New Shooter Resources
New to the sport? Check here for useful links tips on gear you may need to start shooting.
Match Results on Practiscore
Without Practiscore we would be keeping score on slips of paper, this would be no fun!
The United States Practical Shooting Association (USPSA) is the national branch of the International Practical Shooting Confederation (IPSC). USPSA practical shooting has become the fastest growing shooting sport in the US, allowing competitors to compete at any level of expertise with a handgun.
USPSA Steel Challenge
Steel shooting offers a port of entry to the shooting sports that is far less intimidating than practical shooting. Steel shooting provides an excellent starting place for young or beginning shooters. All this provides an alternative for those who might otherwise be lost to shooting.
The International Defensive Pistol Association (IDPA) is the governing body of a shooting sport that simulates self-defense scenarios and real life encounters. It was founded in 1996 as response to the desires of shooters worldwide. the organization now boasts membership of more than 22,000 including members in 50 foreign countries.
International Confederation of Revolver Enthusiasts (ICORE) is an action shooting sport similar to USPSA but strictly limited to Revolvers.
3-Gun Nation
Adding Rifle and Shotgun to the USPSA Experience.
Central Iowa Scholastic Shooters
The Central Iowa Scholastic Shooters bring the Scholastic Pistol Program to Central Iowa.
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XenPorta © Jason Axelrod from 8WAYRUN.COM


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The Sun editorial page asks "Should Morgan State have it's own board?" (Feb. 10). The answer is yes, it should. Ever since 1989 when Morgan students demonstrated for such independence, the school has successfully operated as an independent state university. This model has served the state along with Morgan students, faculty and alumni very well.
Can Morgan, like any other institution, be improved? The obvious answer is yes. The school needs to return its focus to academic excellence and make selectivity of students a greater priority than the enrollment number. Standardized test scores need to be a slightly greater factor in the baseline for accepting new students, even if this results in a slightly smaller school enrollment. Morgan needs to increase its competitiveness for federal research dollars, and it needs to broaden its philanthropic base of supports.
Such needed reforms, and others, all start from the top. The current and past members of the Morgan State University Board of Regents have done an excellent job producing the solid foundation upon which Morgan currently sits. However, for Morgan to thrive, not just survive, as an independent state university there needs to be an ongoing influx of new leaders (i.e. board members) with fresh ideas, management approaches and philanthropic connections.
Currently board members serve six year terms with no limit on the number of terms they can serve. I personally found this to be an issue, and when I inquired about it with others, I learned that I was not alone with this concern. So with the support of Del. Nathaniel T. Oaks and Sen. Catherine E. Pugh, I drafted legislation for this current Maryland General Assembly session (HB238 and SB266) that will change the terms of the board members to five years and add a limit of no more than two consecutive terms of service.
These bills are focused on the long-term direction of Morgan State University. They help establish that membership to Morgan's Board of Regents is an open opportunity to serve for those interested in sharing their time, talent and energy. These bills represent minor tweaks to the model Morgan State University operates under and will go along way to improving the school. A complete overhaul, like putting Morgan under the University of System of Maryland, is the wrong approach.
Chris Blake, Windsor Mill


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Land use guru Joe LaCava recently presented a primer of sorts at La Jolla Town Council's April 11 meeting to help unravel the complex system for trustees and audience members. Here are some of the highlights covered in LaCava's land use tutorial.
General Plan
"The General Plan is the document that really guides the vision of our entire city. It creates the aspirations of what we want our city to be — where we want our residential areas to be, how we protect the environment and how we deliver sewer and water and other services to our citizens."
Community Plan
"From the general plan, which covers the entire city, the city introduced the concept many years ago of community plans. The city of San Diego has 52 community plans, and La Jolla is one of them.
"Those community plans are very specific to our communities. It is about a hundred pages of maps and texts and it describes what we want La Jolla to be. A lot of what's in there really codifies what we already know and love about our community, but it also identifies what is particularly important about our community that we want to protect and ensure remains forever."
Planned Districts
"The majority of La Jolla is subject to the same citywide zoning as other communities, but when we're not happy with the General Plan, we create zoning regulations that tell you what you can and cannot do to your property in those zones. La Jolla has two planned districts with unique zoning. [The La Jolla PDO and La Jolla Shores PDO, see map]."
Applications for permits and approvals are reviewed through one of five decision processes. The zoning, conditions of the site and proposed project specs determine the process that should be followed. The higher the process number, the higher the project's level of review by the city.
P1*: Application submitted, staff level review, staff decision to approve or deny
P2: Application submitted, staff level review, staff decision to approve or deny, appeal filed to Planning Commission, appeal hearing by Planning Commission
P3: Application submitted, staff level review, hearing officer hearing, appeal filed to Planning Commission, appeal hearing by Planning Commission
P4: Application submitted, staff level review, Planning Commission hearing, Appeal filed to City Council, appeal hearing by City Council
P5: Application submitted, staff level review, Planning Commission recommendation hearing, City Council hearing
* All processes except for P1 applications require notice to neighbors within 300 feet and community review through the LJCPA.
Joint and Standing Committees
PDO Committee: Reviews development applications within the portions of La Jolla related to the PDO.
La Jolla Shores Permit Review Committee (PRC): Reviews projects within the La Jolla Shores Planned District.
Development Permit Review Committee (DPR): Reviews all discretionary permits in La Jolla outside the La Jolla Shores Planned District to ensure projects' conformance to the La Jolla Community Plan.
La Jolla Traffic & Transportation Board (T&T): Reviews all proposals affecting La Jolla's streets, parking and special events that require traffic control or affect on-street parking.
"Land use is a very important function in La Jolla, but it is a very tricky thing," said LaCava. "Nobody cares about our community more than us. In La Jolla, we fight harder for our community plan than probably any other community in San Diego."
For more information or resources, visit www.lajollacpa.org.


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Miley Cyrus: Billboard Mid-Year Music Award Nominee!
Miley Cyrus raises her hands in the air in celebration outside CenterStaging Studios on Sunday (June 23) in Los Angeles.
The 20-year-old actress was joined by a pal for her studio session, and was also visited by her mom Tish!
Miley has been nominated for two Billboard.com's 2013 Mid-Year Music Awards! Miley is nominated in the category of Best Music Video for "We Can't Stop" and Best Comeback.
Fans can vote for Miley and the other nominees here! Winners will be announced in July on Billboard's site.
FYI: Miley is wearing Saint Laurent heels and Jennifer Fisher jewelry.


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I've been told that it's better to connect QV directly to the ERP vs to the BW. Does anyone have a document specifying these reasons? Thanks,
Are you looking at using the OLAP connector for BW? If so, I would recommend that you use the DSO or SAP connector instead and get the data from the underlying tables.
We initially were using the OLAP connector, but switched after having many issues and talking to support.
Thanks for your response.
Could you explain what issues you were having?
We were experiencing extremely long load times using the OLAP connector. Apparently it has something to do with the method that SAP uses to pass back the data. Also, there were limitations with the amount of data you could pull.
For example, we were pulling inventory trend data. To pull data for a month, it was taking 45 minutes to get the data. When we checked the performance in BW, we could see that the query itself was running within minutes. All of the extra time was being consumed for returning the data to QlikView.
We have since switched to using underlying DSOs and tables and have been very happy.
hi SiciliaNif
Since I'm building a presentation to show the pros/cons of both connectors, is it OK if I quote you and mention the company you work for?}
I'm very new to Qlikview, and need help on qlikview from the experts. Could you please help me out in designing DSO/Cube on Qlikview. Appreciate if you could send any document.
I'm using SAP Connector.
thanks, Ravi
SAP BW Connector vs SAP ERP Connector
1) SAP BW Connector is Extraction of - SAP ERP Connector is for extraction of data from Cube,DSO From table or view of SAP R/3
2) Extraction from SAP BW is faster than - Extraction from SAP R/3 is slow compare to B/W
SAP R/3 because data is processed and indexed - because some sap table are not indexed like
and on Indexed data select query working very fast - KONV,MSEG
3) Extraction from SAP B/W does not affect ERP - SAP R/3 Extraction affect ERP Operation or Operation - performance.
4) SAP BW almost solve incremental load problem - Still Some SAP R/3 Table donot have any
- timestamp in table
Dear Ravi,
Can I know what is your exact requirement in qlikview ? whether you want to extract cube or anytihng else ?
Sunil Jain
Hello Juan,
I have already said this in another thread: "http://community.qlik.com/message/108266#108266"
what you should use depends on your experience and your SAP knowledge. If you have no SAP BW system and you only want to use SAP BW I would say - Do not install SAP BW only for QlikView. You should also be carefull from the legal point of view because SAP has the possibility to debit you with a OpenHub license - I think but I'm not sure. It is not so clear.
If you have no SAP BW I would suggest:
- Do not introduce SAP BW only to get the data for QlikView. If you want to use the SAP Service API (SAP
BW datasource extractors) which is very powerful I suggest you will look around for a 3rd party connector. I
made good experience with the Theobald connector. It also supports the connection to the SAP Service API without the introduction of SAP BW and I think all other possiblities of the QV SAP connector.
- Use the QV SAP connector to extract the SAP tables, reports, ...
If you have an SAP BW system I will suggest to collect the data from the SAP BW system because it will have no performance impact on your SAP ERP system. And your SAP ERP system is much more important than the SAP BW because you will do your operational business with your SAP ERP and the reporting with SAP BW.
- Use an extractor what you want that supports the extraction of the SAP BW system.
Hopefully it helps you a little bit to find a good solution for your tasks.
Best regards!


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Out of the mouths of babes, and from the keyboard of an idiot adult.
It has been awhile since I have shared fan mail generated from my haranguing of the radical anti-biotech crowd.
However, I received an e-mail a few weeks back that prompts me to share a couple of recent cyberspace communiqués. The first is from a young Mendocino County, Calif., resident, 16-year-old Ryan Mayfield. Ryan rightfully took me to task for painting all Mendocino County residents with a broad brush in recent commentaries about efforts to organically certify marijuana production in Mendocino County and the county's dubious distinction of being first to ban biotechnology. He let me know in clear, precise fashion that there are people in Mendocino County who did not carry medical marijuana cards and also realize the benefits of GMOs.
I responded to Ryan's e-mail, telling him I appreciated him taking the time to e-mail and that his e-mail would appear in an upcoming WFP edition. He was pleased and responded:
"Your commentary was pretty much spot-on, yet I felt the need to defend the few of us in Mendocino County who are against these absurd practices," he said.
Ryan is part of this commentary to commend the young man for his convictions, and my appreciation of his thoughts.
It's also here to sharply contrast a series of e-mails received earlier from a man who is opposed to biotechnology; who clearly does not have the communications skill of a teenager or the intelligence of a banana slug.
He says his name is Stephen Anthony. He declined to provide an address. He apparently picked up my e-mail address from my friends at the Organic Consumers Association (OCA), the Minneapolis-based group playing a major role in the anti-GMO movement in California. OCA is the group that crowned the editor of Western Farm Press "biotech bully," an invigorating moniker for a curmudgeon.
Don't know if Mr. Anthony is a card-carrying OCA member, but he did copy OCA his e-mails to me.
Before sharing the e-mail exchange; couple of warnings. You may have difficulty deciphering all Mr. Anthony wrote. Western Farm Press goes into homes; therefore, you will find blanks after the first letter of several words Mr. Anthony uses. You will have to use the dictionary found on sleazy gas station bathroom walls to translate.
E-mails similar to ones sent by Mr. Anthony have appeared in past commentaries, and some well-meaning people in agriculture have objected. They believe I am characterizing everyone who has concerns about biotechnology as kooks and nuts. This certainly is neither my goal nor my opinion. I realize there are respected scientists, successful, commercial farmers and agricultural professionals who have concerns that should not be summarily dismissed. There needs to be thoughtful, scientific debates on the subject.
However, it is a waste of time and taxpayer funds to conduct these meaningless county initiatives to ban or impose moratoriums on biotechnology. They are as meaningless as holding county initiatives on gun control or anti-smoking ordinances. Biotechnology is a federal and/or state issue.
I continue to hear within the agricultural industry the best way to counter the California anti-GMO movement is with scientific information. That would be valid, if the radical leaders of the anti-GMO movement were interested in science rather than the spouting little more than antidotal pseudo-science designed to scare the public into supporting their political cause. Scientific debate is futile with the radical element that is now controlling the anti-GMO movement in the state.
You've have got to be a junkyard dog sometimes as my friend and mentor Earl Williams of the California Cotton Ginners and Growers Associations has said when confronting people like Mr. Anthony. Read on and you will understand why science will get you nowhere with the radicals:
E-Mail Subject: Why the war on organic farmers?
Dear Harry my old chum:
What's up mate, why are you all agribusiness c_________s? Agribusiness screws the farmers why do you have no integrity at all? Are you all soulless scum just for the money?
It is only a matter of time before the whole world takes India's lead and banning all the man-made crap--trust in Gods creation?
Love Steve
(Steve's e-mail address: email@example.com)
(My response)
I love you "organic farmers" You have created a whole new, highly profitable market for commercial, production, industrial agriculture. I love it. If fooled consumers want to pay 25 percent more because they think organic is better, God love 'em. Commercial farmers will take their money all the way to the bank. Thank you very much.
P.S. Your e-mail address is withgodslove and you enjoy calling people soulless scum and agribusiness c________s, and we should trust in God's creation? Stevie boy, you should find a new e-mail address. I will publish your e-mail address, but would love to have your home town. Minneapolis, Minn.?
(Mr. Anthony's response)
E-mail Subject: Keep polluting the water tables with your effluences and laugh as you bank your. ( Editor's note: That is how the line reads)
F____ God as long as you guys are laughing to the bank God hates Monsanto and all you soulless scumbags Your duty is to tend and love creation and preserve it for our children NOT TO LAUGH AS YOU FAT OF THE LAND SCUMBAGS PROFIT
Love Steve
Love is the Vine
Life is its shadow
Would you like to set the controls for the heart of the Sun
(Editor's note: The above is the close of each e-mail from Mr. Anthony.)
(My Response)
It is such a thrill to receive your e-mails; to address a highly intelligent soul such as yourself. Not sure what you are stoned on, but I would not answer the next knock at the door. It will probably be the DEA. It is amazing you can still see a keyboard. Sure would like to have your address so we can all send get well cards.
Scumbag Harry
Mr. Anthony apparently has not found his computer keyboard to send more e-mails and does not want to receive get-well wishes.
An associate warned me about these exchanges with my new found e-mail pals that "when you play with skunks, some of the stink can rub off." It already has in the minds of some who occasionally read this space.
Nevertheless, I do not plan to back off. It is disheartening and frightening to hear that biotechnology field research is declining due partly to the likes of Mr. Anthony. Those who spread fear and misinformation about bio-technology are stopping science to the detriment of man. They must not win this war in California.


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Robert Pattinson Shows Off Goatee at Go Go Gala
Robert Pattinson debuts a brand new goatee at the 2013 Go Go Gala on Thursday (November 14) in Pacific Palisades, Calif.
The 27-year-old actor was joined at the event by the host, director Adam Shankman.
While at the auction portion of the event, Robert reportedly bid on and won a cello made out of recycled material for $5,600, according to E! News. Congrats on the purchase, Rob! He was also seen mingling with other guests and some pals at the affair.
WHAT DO YOU THINK of Robert Pattinson's brand new goatee??
15+ pictures inside of Robert Pattinson at the 2013 Go Go Gala…


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Ok, I understand it's no secret that we at ITAC and particularly in the Digital Business Forum group are both excited and addicted to social media tools. ITAC has a Twitter feed and we've just started this blog running on the incredibly powerful WordPress engine. But at the core of any digital presence is the website.
Let's start there.


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04.20.13: The CCRI track & field team traveled to Connecticut College in New London, CT to compete in the Silfen Invitational. The Knights finished fourth as a team with 86 points with the winner being Rhode Island College with 183 points.
The Knights men's track team had a very good showing at the Silfen Invite at Connecticut College. They were led by Steven Vazquez (Central Falls, RI) who won the High Jump with a leap of 1.98m, he also placed 4th in the Triple Jump with a jump of 12.12m and rounded out his day joining the 4x400m team Jordan Barboza-Simpkins (Warwick, RI), Daniel Duquette (North Attleboro, MA) and Carlos Diaz (Smithfield, RI) to place 4th in with a season-best time of 3 minutes 32.25 seconds. Barboza-Simpkins came back to place second in the High Jump with a season-best leap of 1.88m. Jordan also placed third in the Triple Jump with a season-best 12.69m leap. He finished his day placing sixth in the 400m hurdles with a career-best time of 1:01.26. Dan Duquette placed third in the 800m with his best time this spring of 1:58.03. David Palkovic (Middletown, RI) ran a career-best time in the 10,000m run of 33:49.11 which was his career-best time by 1:11.00. Sprinter Ryan Rotondo (Cranston, RI) ran for second place in the 100m dash with a time of 11.78 seconds. Manny Gomes (East Providence, RI) placed fourth in the Long Jump with a 5.80m leap. Thrower Colin Cabral placed 8th in the Hammer throw with a season-best toss of 39.85m. However, once again, the performance of the day needs to go to Bobby Allen (Cranston, RI) who crushed his own 5,000m record by over 26 seconds with a time of 14:34.08 he returned later in the meet to reset his 1,500m record with a time of 3:54.45.
The Community College of Rhode Island, New England's largest comprehensive community college, enrolls nearly 18,000 students in credit courses and thousands more in non-credit and job training classes. Its athletic program boasts 12 varsity programs and an academic support program for all student-athletes.
This page developed and maintained by CCRI Athletics. Send comments and suggestions to email@example.com.


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Cardigans and Sweaters Wholesale
Short sweater with buttons and ribbed hem S8004
Soft and warm ladies sweater made of pleasant fabrics. Short - like crop top. Long, tight sleeves, ribbed cuffs. Round neck with buttons below. Tight-fitted. Trendy colours to choose from. Maufactured (...)
Women's sweaters
A sweater is one of the absolute must-have garments in every woman's wardrobe. Obviously, it must be warm, soft but also stylish and fitting your silhouette – after all none of us, women, would feel comfortably in a sweater which we do not quite like or look shapeless in. This is why we decided to address those needs in the CARDIGANS AND SWEATERS section. Responding to the demand, we offer sweaters of all kinds, shapes and lenghts: cardigans and batwings, kimono cuts, with open-work patterns, warm and thick sweaters, as well as light, classic and colourful cardigans, patterned ponchos and others.
They include a wide range of fabrics, such as cotton or elastane, satin, as well as sizes, e.g. extra small or plus sizes, and patterns, prints and embellishments, not to mention long, short, skinny, cropped, fluffy, V-necked, boat and round necks etc, long and 3/4- sleeved etc We make sure that the items in this category are carefully selected and kept up-to-date so that every woman can find the right model, colour and size for herself, including all new arrivals and customer favourites to keep you on track with the trends, fashion and the seasons.


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In life, there's always a moment when you realize who and what you are that defines what you will become later in life. I was born in Iran, Tehran in 1976 and moved to the United States with my family in 1986. Since I didn't speak English at the age of 10, drawing was an escape from my new world that was overwhelming, complicated and at the same time really fascinating. As a way of coping with my new experiences, I would draw on anything and everything from school books to old tennis shoes. My parents and teachers noticed that I was recreating images and scenery that was uniquely different and more advanced than my age and life experience. Years of doodling turned into drawing which turned into a passionate desire to create art inspired by LOVE. I graduated from Cal State Fullerton in the field of Communications/Advertising in 1998 and quickly found myself in the world of big Advertising. My first job was working for Foote, Cone & Belding (FCB), one of the top advertising agencies in the world as an Art Director. It was an amazing experience in the beginning. Clients like Taco Bell and Kawasaki were common place and soon boredom set in to the point of mind numbing marketing projects that were more shallow than I expected. Soon after my ad shop days, I started my own branding agency, called Sabet Brands. I've had an amazing 20 years in creating wonderful brands for appreciative and conscious clients. As the pressures mounted with larger marketing projects, I found tranquility in expressing myself in creative art projects, limited edition mixed media prints and original paintings. Painting has always been a way to express myself. I was never concerned about learning how to paint particular things, itt was just a way to release and escape the complexities of life. At first, it was about emotions such as angst and anxiety. As the years passed, my work transformed to expressing love, gratitude and the power of feminine Energy. I love experimenting with different mediums and materials. I discovered that Japanese brushes and Sumi Ink was the core of what made my work the most fluid, explosive and expressive. This new medium allowed me to master continuous fluid motions with expressive strokes. I'm always connected when I'm painting. My brushes and medium are extensions of my body and they allow the energy that flows to be expressed with passion and LOVE. Last year, I was invited to present my work at the 2016 Tokyo International Art Show, which was a transformative experience to my very core. It was also a confirmation of my innate connection to the land, culture and people of Japan as seen in my recent work.
A couple of years ago, I received a symbol from the ether. I called it LOVEQUALS SERVICE (symbol illustrated in header). The word love looks like a person holding the equal sign. But it's also made up of the number 1, omega, square root and the equal sign. From alpha to omega, the Root of all is "LOVE". This divine discovery created a new layer and dimension to my work. I started to embed the SABET LOVEQUALS SYMBOL in all my work. Four more SABET LOVE SYMBOLS developed over the next year and pieces were being collected by art dealers and major art collectors. In 2016 the repetition of the SABET LOVE SYMBOLS gave way to a mysterious script. One that I can write and paint in a fluent fashion but have yet to decode. This script has been called the SABET LOVE SCRIPT and has culminated into what defines me as a person, brother, father, husband and artist which is always rooted in LOVE.
Every year I donate original pieces to many different non-profit organizations. Creating for a good cause is one of the most rewarding experiences and contributions I do every year. Organizations I work with include UNICEF, AIDS Services Foundation, PARS Equity Center, HearAid Foundation and The American Cancer Society.
My latest collaboration is with the amazing writing instrument company, MONTBLANC. I've had two private showings and live painting events at the MONTBLANC boutique; with a few more scheduled this year! I also collaborate with companies such as Thayers Natural Remedies, SoYoung Bags and LionFinch to bring my art to a whole new audience. I love collaborations, so if you think we would be a good fit, please contact me!
The person.
The Art
The dream
Sabet Brands
The Agency


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4 April 2013, Geneva, Switzerland - For the third consecutive year, UNOSAT expert trainers have shared their experience and knowledge with the students of the Master of Disaster Management of the University of Copenhagen. Like the previous editions, the three week intensive course on "Geo-information in disaster situations" was designed to provide disaster management experts with the skills and know-how to work with basic GIS tools for producing situation maps in the context of a disaster event.
Eight students spent three weeks at UNOSAT training facilities on the CERN campus fully immersed in the operational environment of UNOSAT together with the UNOSAT Team, which includes some 20 experts specialising in GIS and imagery analysis. During this time, they took classes on GIS, rapid mapping, and satellite analysis. They also worked on case studies built with data used during real situations in actual emergency response operations. All students are also housed on campus in single rooms provided at the CERN hotel facilities.
After three weeks, participants take away skills in reading and producing maps and spatial data that will be useful in their careers as disaster managers. The world of disaster management and emergency response relies increasingly on geographic information systems and mapping. Current and future disaster management experts must gain knowledge on the utility and handling of basic to complex GIS.
Satellite analysis is in itself a powerful complement to geographic information because it provides responders and planners on the ground and at headquarters with the actual situation as events occur. In the words of one of the students: "This course was amazing, and I think we all took a lot away that we will be able to use in the field."
Images: A group photo of the 2913 Master course students at UNOSAT; UNOSAT Manager Einar Bjorgo hands certificates to successful students after they passed a test. The UNOSAT course gives right to 6 credits.


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Take the Shift Index Organizational Self-Assessment: Weekend Reading
As improvements in core digital technologies accelerate, the pace of change is also accelerating. Flows of knowledge and resources, enabled by technology and policy, are changing the way value is created and captured around the globe. Individuals are gaining more power as consumers.
But, guess who's caught in the middle? Companies. Executives and employees initially respond to these changes by working harder within existing institutions and practices. The result is diminishing performance and mounting stress. Until the nature of those changes are understood, and executives evolve institutions and practices accordingly, companies won't be able to effectively harness new capabilities and turn stress into success.
The Shift Index, first produced in 2009, provides comprehensive insight into the underlying drivers of corporate performance. The study measure the performance of 20,000 U.S. firms from 1965 to date in great detail, looking beyond cyclical events, and shedding light on the deeper trends of longer-term change. It provided a clear, comprehensive and sustained view of the dynamics changing the world, thus documenting and quantifying what is called "the Big Shift."
The Shift Index is designed to help executives understand and take advantage of the changes around them. Updated every year, the Index looks at more than 40 years' worth of data for 25 metrics in three areas: developments in the technological and political foundations; underlying market changes, such as how flows of capital, information and talent which are changing the business landscape; and impacts of these changes on competition, volatility and performance across industries.
For example, one way of measuring performance erosion is through return on assets. Examining all public companies in the United States back to 1965 shows that return on assets have declined by more than 75%. "So the pressure is mounting on companies," says John Hagel III, co-chairman of Deloitte LLP's Center for the Edge. Part of the reason for that pressure is that companies are caught in a legacy mindset of focusing on predictability and efficiency during a time that demands much more agility and the ability to respond more quickly to unforeseen events in the marketplace.
"More fundamentally, there is a marketplace shift in the way value is created and distributed and the implications for companies are profound," says Mr. Hagel. "It basically means that the institutions that we have created, which are relentlessly focused on scalable efficiency, are going to have to transform into institutions focused on scalable learning."
The organizational self-assessment tutorial (see link below) introduces the capabilities required for scalable learning through a series of videos. Questions following each video allow executives to assess their immediate team's capabilities. At the end of the assessment, suggestions are made with respect to possible steps to take to improve performance and create a scalable learning environment.
Understand how well your organization is prepared for the Big Shift by taking this 15-minute tutorial.
Read other Shift Index reports written to help executives translate research into action by making workers more passionate, making sense of the changing business environment and finding opportunities by embracing contradictions.
For more business research from Deloitte University Press visit www.dupress.com
Related Resources
- Shift Index Organizational Self-Assessment Tutorial
- Federal CFO: Using the Cloud to Address Talent Challenges
- MOOCs Teach Corporations about New Opportunities: Weekend Reading
- How CFOs Can Make Social Software Work for their Companies
- A Movement in the Making: Weekend Reading
- Four Paradoxes That Could Change a Company's Performance Outlook: Weekend Reading
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Deloitte's Insights for CFOs provides financial executives a customized resource to help them address the strategic, operational and regulatory issues they face in managing their finance organizations and careers, with top-line digests, research, perspectives and technical analyses.


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Pirates - Ladies T-Shirt
Regular price £19.95
Pirates Premium Ladies Tee
Modern fit. Side seam construction. Contrast Necktape. Thin 1x1 collar rib to highlight neck opening. Body length allowing to be worn in and out. Smooth surface ensuring the best print results. Resistant fabric and soft handfeel.
- 100% ring-spun cotton
- Double needle stitching on sleeves and hem
- Durable fabric.160 g/m²
- Available size range XS-XXL
Size Chart
Washing Instructions
Please do not iron on printed decoration.
Garment colour may vary slightly due to screen preview.


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Broad & High: The Ultimate Intersection of Arts & Culture
An exciting and original weekly magazine show, developed by the award-winning production team of WOSU Public Media, explores the character and creativity of Columbus and beyond. Wednesdays at 7:30pm, on WOSU TV.
Major funding for Broad & High is provided by the Greater Columbus Arts Council, and by the Ohio Arts Council, a state agency that funds and supports quality arts experiences.


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Brook Gang Music & Dj Chose - Pop That [Unsigned Hype]
"brand new hit single from brook gang music & dj chose "pop that" top 100 billboard artists @brookgangmusic @djchose"
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Items where Research Group is "Number Theory Group" and Year is 1997
Number of items: 4.
Flynn, E. V. (1997) A flexible method for applying Chabauty's Theorem. Compositio Mathematica, 105 . pp. 79-94. ISSN 0010-437X
Flynn, E. V. and Poonen, B. and Schaefer, E. F. (1997) Cycles of quadratic polynomials and rational points on a genus 2 curve. Duke Mathematical Journal, 90 . pp. 435-463. ISSN 0012-7094
Flynn, E. V. and Smart, N. P. (1997) Canonical heights on the jacobians of curves of genus 2 and the infinite descent. Acta Arithmetica, LXXIX (4). pp. 333-352. ISSN 0065-1036
Heath-Brown, D. R. (1997) The density of rational points on cubic surfaces. Acta Arithmetica, 89 . pp. 17-30.


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Lil' O (Of The Screwed Up Click) - Betcha Can't Do It [Label Submitted]
"The Official Video for Lil'O's #1 smash hit "Betcha Can't Do It" from the forthcoming album "Grind Hard, Pray Harder" directed by @EightHourFilms . Follow Lil'O on Twitter @SUCLILO and Facebook/SUCLILO . Download Lil'O's mixtape "Tha Flood 1.5" for free at www.lilomusic.com. " [m]
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Golf Tournament - New York (2010)
Chris and Michelle D. hosted their 4th Annual Drive for a Cure Golf Tournament at the Brockport Country Club in Brockport, New York. They are the aunt and uncle of six-year-old Mattingly Dugan who is affected with CIE. More than $2,500 was raised for FIRST. The Foundation truly appreciates their continued efforts on our behalf.


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Sept. 21, 2003
With a team score of 585, the defending Ivy League Champion men's golf team won the Dartmouth Invitational by 11 points over second-place Army and Hartford, who both finished with 596 points.
Yale sophomore Gabe Borrud shot a 71 and 72 on the par-71 course over the two days, finishing tied with Binghamton's Keith Hendrickson for the lead. The two competed in a two hole playoff, but the game had to be called because of darkness and both players were awarded a prize.
The Bulldogs held the lead in the tournament going into today, and did not let up Sunday, shooting a 296 after recording a 289 the day before.
Yale's Brian Kim finished with an overall score of 147 with rounds of 72 and 75, while Rick Reissman shot a 72 and 76 to finish with 148.
Steve Gray shot a two-round 149, and Dan Levy finished with 150 over the weekend.
Next weekend, the team will travel to Newport, R.I. for the Adams Cup before hosting the MacDonald Cup from October 10-12 at the Yale Golf Course.


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Real Housewives Of Civil Rights (Starring Wayne Brady)
"The ladies of Elite Delta Force 3 and Wayne Brady re-create one of the most popular reality shows like only they can do!"
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There is always a need to improve our forage stands for our livestock, especially after the last few years of adverse weather. Late summer to early fall is the very best time to seed or establish the major cool season grasses such as orchardgrass, tall fescue and timothy. To increase your success rate at forage establishment to provide more feed, forage, pasture or hay, remember these four points:
FreedomKentucky.org, a new Bluegrass Institute wiki, offers a user-friendly tool for Kentuckians to provide and review information on public policies and to hold local governments and school districts throughout the commonwealth accountable.
About 80 LaRue Countians attended the third Lincoln Bicentennial One-Cent Coin release in Springfield, Ill., Aug. 13.
Although the ceremony lasted only 30 minutes, most stood in line for hours to receive rolls of newly minted pennies honoring native son Abraham Lincoln.
In all, about 2,000 people crowded the lawn surrounding the historic Old State Capitol for the event, according to Jana Prewitt, public affairs officer for the U.S. Mint.
The Abraham Lincoln Birthplace National Historic Park will host a bicentennial celebration on Labor Day, Sept. 7.
Music will be provided by Anne Milligan. Living history presentations will be provided by costumed interpreters from Frazier International History Museum at 11 a.m. by Eric Franz; and 2 p.m. by Zoe Jackson.
Franz portrays Lincoln, reflecting on his life up to his election as an Illinois State Representative.
Robin and Ashley Lee of Lee's Garden Center in Hodgenville joined more than 25 participants of farm markets throughout the state on the Kentucky Farm Bureau's Summer Tour of markets in Kentucky, West Virginia and Virginia. The tour gives participants in KFB's Certified Roadside Markets program an opportunity to get ideas for production and marketing plus network with colleagues.
Beef Producers to meet
The LaRue County Beef Cattle Association will meet 7:30 p.m. Sept. 8 at the LaRue County Extension Service, 807 Old Elizabethtown Road, Hodgenville. The guest speaker will be Warren Beeler, director of the value added animal and aquaculture division of the Kentucky Department of Agriculture. He will discuss grading feeder cattle. All interested producers are invited to attend. For more information, contact the LaRue County Extension Service at 358-3401.
Barren Run celebration
Barren Run Baptist Church will celebrate its 150th anniversary Sept. 11-13. The Rev. John Walker will lead the Friday service at 7 p.m., special music will be provided by David and Deanna Catlett. There will be a cookout at 4 p.m. Saturday followed by bluegrass music at 5:30 p.m. Sunday worship is at 11 a.m. A church-provided meal will follow the service. Music and games for children begin at 2:30 p.m.
Revival at God's House
Public Retirees to meet
Kentucky Public Retirees, Lincoln Trail Chapter, will meet 11:30 a.m. Sept. 14 at Stone Hearth Restaurant, 1001 N. Mulberry, Elizabethtown. Bob Henson, KPR representative on the Kentucky Retirement System Board, will be the guest speaker.
Cholesterol screening
Hardin Memorial Hospital will have cholesterol screenings 6:30-10 a.m. Sept. 8. Cost is $25 by appointment only.
Prostate screenings
Hardin Memorial Hospital will hold prostrate screenings – PSA lab work ($20 fee) 6:30-10 a.m. Sept. 8.; and digital rectal exam appointments 5:30-7:30 p.m. Sept. 22. Registration required. Call 737-4464 to schedule an appointment.
Lincoln Labor Day program
BR Young Lodge breakfast
BR Young Lodge No. 132 will hold an all-you-can-eat breakfast and open house 8-10 a.m. Sept. 5 at the Masonic building on the square in Hodgenville. A small donation is requested for the bacon, sausage and pancakes meal. For more information, call Paul Withington at 324-3325.
If you have items for next week's fundraiser calendar, make sure you submit them by noon Friday for early deadline.
Heart disease is the leading cause of death in Kentucky. Along with smoking and family history, one of the major risk factors for heart attack and stroke is lack of physical activity. Kentucky ranks among the top 10 states with sedentary lifestyles, and many of our fellow residents say it's because they don't have the time or opportunity.
Sometimes I get calls at the office about people having trouble getting their home canning jars to seal. Below are reminders of things to check when you are working with canning lids. Watch how tight you put on the screwbands and also watch your headspace, the amount of air left at the top of the jar.
The information below came from Mississippi State University Extension Service. These are common home canning questions and answers on why jars don't seal.
Q. How tightly should screwbands be put on when closing jars with two-piece lids?
For one special evening, Sept. 1, LaRue County High School's Lady Hawks volleyball team will add pink to their blue-and-white colors as they host their second annual Volley for the Cure.
LaRue's ladies will lace up with pink shoelaces, wear pink ribbons and will play with a pink volleyball, according to booster president Deena Bradley. She is hopeful their opposing players, the Lady Bruins from Central Hardin, will join them in wearing pink.
Magnolia Cumberland revival
Magnolia Cumberland Presbyterian Church is holding a revival each evening at 7 through Sept. 2.
Gospel concert
LaRue County is home to the Hawks. This fall it will also be home to the Tigers, as Campbellsville University will hold post secondary classes in Hodgenville for the first time.
Niki Carter, the new director of the LaRue County Public Library, sees the place as a community center where "people are encouraged to benefit themselves and the community."
"Our popular collections will always be here for the people, but we're a source that focuses on the people's needs; that's where libraries have their staying power," said Carter, who finished her master's in library science from the University of Kentucky this semester.
Copyright © 2019
The LaRue County Herald is your source for local news, sports, events and information in LaRue County, KY, and the surrounding area.


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From the iconic Macy's Day Parade, to that tender turkey and perfectly seasoned batch of stuffing you've been pining over for hours, on over to spending quality time with loved ones; few days are better than Thanksgiving.
Music is a daily integral part of most of our lives, but for some reason it plays an even bigger role come the holiday season. Whether you throw some energetic modern music on to fuel your cooking, or play the classics softly in the background while your family enjoys dinner; Thanksgiving is full of music.
With that being said, I often wonder why there aren't hundreds of classic Thanksgiving songs like there are for Christmas. Imagine Mariah Carey or Michael Buble releasing Thanksgiving/food themed albums come turkey day? It'd be phenomenally great and weird..but great nonetheless.
Seeing how finding iconic Thanksgiving songs isn't all that easy, we put together a "Songs for Thanksgiving" Spotify music playlist for you to use this year. We've got a few of the holidays' biggest hits like "Thanksgiving Song" by Adam Sandler, plenty of songs with food titles and other songs that allude to the joy we get from being home and connecting with family and loved ones.
We've got an eclectic mix of songs across almost every genre and spanning several different decades. Take a look below for our playlist and the reasons why we chose each song. Tweet us @coldwellbanker if you have suggestions on other great songs to play during Thanksgiving and we'll be sure to update our list!
1. Home Sweet Home by Motley Crue – This song is dedicated to those who may have relocated to other states and brave long road trips or airports to head back "home" to spend Thanksgiving with family.
2. Big Parade by The Lumineers – What's Thanksgiving without the "Big Parade"? The holiday just wouldn't be the same if it wasn't for the Macy's parade and those awesomely large floating cartoon characters…and Santa Claus.
3. Thank You by Jay Z – Mr. Carter eloquently says, "Thank you, thank you, thank you, you're far too kind" on this aptly titled song. Thanks for the reminder Jay, I'll be sure to rap this at the dinner table when I ask someone to pass the salt.
4. Comin' Home Baby by Mel Torme – The first non-contemporary song on our "Songs for Thanksgiving" playlist was released in 1962 and similarly to Motley Crue's song, encapsulates that feeling of rushing home to be with loved ones.
5 I've Got Plenty to be Thankful for by Bing Crosby – Bing says he doesn't have the biggest yard or the fanciest things but he still has plenty to be thankful for. In the hustle and bustle of our lives we sometimes lose sight of how much we do have. It's always good to take a step back and acknowledge that we have a lot to be thankful for.
6. Mashed Potato Time by Dee Dee Sharp – Turkey, stuffing and…mashed potatoes! Enough said.
7. Baby, it's Cold Outside by Ella Fitzgerald …read more
Via: Blue Matter


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Directory of Animal Shelters in Denver, CO
Looking for a new pet? Please consider adopting a new dog or puppy from an animal shelter in Denver, CO. You'll find information on all of the animal shelters, humane societies, and rescue groups we've partnered with in Denver below. Coming from out of town? Get a discounted rate on pet friendly hotels in Denver, CO, or call 877-411-FIDO to speak with one of our pet travel experts!
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I have a couple of questions about calling values from methods. I'm not sure if I'm even wording this right but I hope someone will understand what I mean. The code is below.
using System; namespace CarpetCalculatorExample { class CarpetCostCalculatorUsingMethods { static void Main() { double roomWidth; double roomLength; double pricePerSqMetre; double noOfSqMetres; double carpetCost; DisplayInstructions(); GetDimensions(); GetPrice(); DetermineSquareMetres(0, 0); Console.Write("\nPress any key to terminate program"); Console.ReadKey(); } public static void DisplayInstructions() { Console.WriteLine("This program will determine how much carpet to purchase."); Console.WriteLine(); Console.WriteLine("You will be asked to enter the size of the room," + "length and breadth in metres. "); Console.WriteLine("and the price of the carpet, as price per square metres."); Console.WriteLine(); } public static void GetDimensions() { Console.Write("Enter the length in metres: "); double length = double.Parse(Console.ReadLine()); Console.Write("Enter the width in metres: "); double width = double.Parse(Console.ReadLine()); } public static void GetPrice() { Console.Write("Enter the price per square metre: $"); double pricePerSqMetres = double.Parse(Console.ReadLine()); } public static void DetermineSquareMetres(double length, double width) { double noOfSqMetres; noOfSqMetres = length * width; Console.WriteLine("Square Metres needed: " + noOfSqMetres); } } }
I am struggling with DetermineSqMetres as what I'm really wanting to do is multiply the length and width which the user inputs in GetDimensions. I'm not quite sure how to call that result from GetDimensions.
I've also noticed, when I call DetermineSqMetres in Main, I've had to put a value in the parameters otherwise I keep getting "No overload for method 'DetermineSqMetres takes 0 arguments". So at this moment, I've put 0 and 0 in there because it only seems to name a number value. I realise this doesn't work, but I'm not quite sure how else to fix it.
Any help would be appreciated!


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SYS-CON.TV Webcasts
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From the Wires
LiveVox's New Phone Lock Feature Closes Three Critical Call Recording Gaps
By: Business Wire
Dec. 5, 2012 07:30 AM
LiveVox Inc., the leading provider of cloud contact center applications for multi-site operations, today announced major improvements to its Compliance Suite. The latest feature, Phone Lock, completes the compliance seal by eliminating the three most common sources of call recording gaps: manual dials, inbound calls, and transfers.
Contact centers traditionally face data collection and account coordination gaps between sites, PBX's and dialers. The latest offering from LiveVox addresses those gaps.
Unlike calls executed on a dialer, manual and inbound calls leveraging premise-based technology typically occur on disparate PBX equipment where call activity is isolated from other essential data elements such as account information that resides in the CRM.
This traditional PBX recording model not only restricts the ability to match manual call activity with account/agent information but consequently handicaps contact centers from leveraging key account-dependant compliance features such as dynamically retrievable call recordings or dial restriction controls (e.g. account penetration and time zone settings).
Louis Summe, Chief Executive Officer, LiveVox, explains, "Given the fact that virtually every ARM player will be touched by the CFPB, any firm whose call recording system cannot pass the equivalent of network penetration testing is leaving their operations fundamentally exposed to risk. Just like those who seek to find holes in a network, the CFPB will seek out the gaps in a company's call recording. It is critical to understand that these historic and often overlooked call recording weaknesses are a direct result of the often convoluted and disparate architectures found in large, multi-site contact center operations. No executive should assume 100% call recording exists until they have repeatedly and aggressively tested the system for gaps."
With Phone Lock, agents are required to match account information with all manual calls prior to the call launch and all inbound calls prior to assigning a call disposition, ensuring a comprehensive database of call activity that is indexed and retrievable on-demand. Further, unlike historic PBX recording models, Phone Lock ensures that the entire call path on LiveVox's PCI (Verizon) certified Cloud platform is recorded. This includes all transfers regardless of call source (inbound, outbound, manual or predictive), encompassing escalations to supervisors which are of particular relevance in quality assurance and compliance risk mitigation.
Phone Lock is made possible through LiveVox's Cloud Switching platform that instantly unifies all data, regardless of call origination or site location. Since LiveVox integrates all applications, including the PBX, manual and inbound dials can benefit from the same compliance capabilities as those the dialer initiates.
John McNamara, Chief Marketing Officer of LiveVox and active member of the ACA and DBA, points out: "Most ARM executives assume or are told they have 100% call recording. Manually dialed, inbound and escalated calls are notorious sources of call recording gaps, especially for those still relying on PBX recording systems. 'Pretty good' data capture for agent audio used to be sufficient. That is simply no longer the case. Closing these three call recording pitfalls provides for a significant peace of mind to our clients. Holes in the recording system, especially on escalated calls, will increasingly be viewed by clients and regulators with suspicion."
Phone Lock is part of LiveVox's robust compliance suite that includes:
For more information on LiveVox's Compliance Suite, click here.
Or to learn more about LiveVox's Centralized Call Recording capability, watch this short video.
About LiveVox
LiveVox is the leading provider of cloud contact center solutions. The patented, Verizon PCI-certified Cloud platform integrates real-time scalable applications such as ACD/PBX, predictive dialer, IVR, call recording, business analytics and compliance suite. Leveraging Cloud-Switching, LiveVox enables capabilities like Virtual Agent Queues, global multi-site sub-second warm transfers and Centralized Call Recording. LiveVox is headquartered in San Francisco. For more information, visit www.livevox.com.
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2:30 pm
Martha Speaks "Martha Ain't Nothin' But A Pound Dog, Part 1 & Part 2" Martha Ain't Nothin' but a Pound Dog, Part 1 - Martha loses her collar and winds up in the animal shelter. Martha Ain't Nothin' but a Pound Dog, Part 2 - When Martha's family comes to take her home, she decides she can't leave her shelter friends behind.G
3:00 pm
The Electric Company "Prankster Holiday" Other than Marcus, The Electric Company has left town for the 4th of July. Manny and Danny could not be happier - with everyone gone, they can pull the ultimate prank. They plan to launch a giant wordball balloon that reads, "The Electric Company doesn't like you. D
3:30 pm
WordGirl "Have You Seen The Remote?/Sidekicked to the Curb" Have You Seen the Remote? - Tobey and WordGirl team up to track down missing remote control for his robots. When Tobey finally has a chance to spend time with his crush-WordGirl (sigh)- she has to ignore his distractions and stop whoever is in charge of the robots attack on the city. Sidekicked to the Curb - The Whammer has had enough of all of this sidekick business. D
4:00 pm
Wild Kratts "The Blue and the Gray" Martin and Chris are absorbed in a hilarious competition to discover who is the best acorn planter, blue jays or gray squirrels, when a strange Creature Power Suit malfunction transforms Martin into an acorn and grows him into an Oak tree! Chris activates the squirrel powers of his Creature Power Suit, but gets waylaid by a bobcat and goshawk, and the Aviva, Koki, and Jimmy can't find them. It'll take some animal-loving Wild Kratts kids to get them out of this mess. D
4:30 pm
Cyberchase "The Creech Who Would Be Crowned" The CyberSquad is summoned to Tikiville to stop Hacker from winning a race that would allow him to take over the cybersite. Upon arrival, Matt and Jackie tease Inez about her big vocabulary, so she decides to say just one small word -- "Bye!" She splits from the group and teams up with a Tikiville girl named Creech. Creech considers it her destiny to rule the land her family once ruled for so many years. D
5:00 pm
Fetch! With Ruff Ruffman "Game Show Isle" After losing his FETCHers at the end of the Season Five premiere, Ruff discovers that they're stranded on a mysterious island-Game Show Island. To get off the island and back to Studio G, they must find the "Fabulous Four" game show relics before sundown or they will be trapped on the island forever! Ruff also learns some important clues about the mysterious disappearance of his parents. D
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5:56 pm
NewsHour Promo NULL
6:00 pm
PBS NewsHour NULL
7:00 pm
Antiques Roadshow "Corpus Christi, Hour One" A guest brings in a Diego Rivera oil painting created in 1904 when the artist was just 18 years old, which is valued up to $1 million. Other art highlights are a 1967 painting by Alexander Calder and a Japanese bronze depicting a mythical figure. On a more commercial note, a giant Fisk "Tire Boy" sign is valued up to $12,000. Part 1 of 3G
8:00 pm
Market Warriors "Antiquing In Walnut, IA" This week the MARKET WARRIORS head to Walnut, Iowa, to the Walnut Antique Show, with a new competitor in the mix. The target assignment is gold, and Mark L. Walberg injects some quick wit when one of the pickers goes for a broad interpretation the others aren't buying. A sudden rainstorm that causes most of the dealers to close down shop helps determine who wins and loses. D
9:00 pm
Governor Otter's State of the State Address 2013 Gov. C.L. "Butch" Otter conveys a vision for Idaho to the Legislature, along with a proposed budget to attain it. The speech is re-aired for prime time from its afternoon presentation.G
10:00 pm
POV "Reportero" Filmmaker Bernardo Ruiz tells the heroic and troubling story of the newsweekly Zeta in violence-prone Tijuana, Mexico, just south of the California border. Ruiz follows veteran reporter Sergio Haro and his colleagues as they take an uncompromising stand against corruption, gathering 30,000 readers for the fledgling independent paper and anger from the country's leadership.G
11:00 pm
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The house purchase season is now in full swing, and many would-be purchasers are wondering whether or not they can afford the price quoted on the house they would like to buy. Alternatively, they may not have started their house shopping and may be wondering what price range they should be exploring.
The availability of mortgage financing is obviously a critical feature of the affordability equation, and it is quite different today than when I addressed the issue before the financial crisis. Interest rates are lower for borrowers with good credentials, which may increase the amounts they can afford to pay. But rates are not necessarily lower for borrowers with less-than-stellar credentials, and more borrowers today are unable to qualify at all. In particular, the income used to qualify would-be purchasers today is not the income they believe they have but the income that they can document, which can be much lower.
Mortgage affordability must be calculated three times using three different rules. I call these the income rule, the debt rule and the cash rule. The final affordability figure is the lowest of the three.
When affordability is measured on the back of an envelope, which real estate brokers often do, usually it is based on the income rule alone, ignoring the other two. This can result in error.
The income rule says that the borrower's monthly housing expense, which is the sum of the mortgage payment, property taxes and home-owner insurance premium, cannot exceed a percentage of the borrower's income specified by the lender. If this maximum is 28 percent, for example, and John Smith's documentable income is $4,000, monthly housing expense cannot exceed $1,120. If taxes and insurance are $200, the maximum mortgage payment is $920. At 4.5 percent and 30 years, this payment will support a loan of $181,572.
Assuming a 5 percent down payment, this implies a sale price of $191,128. This is the maximum sale price for Smith using the income rule.
The debt rule says that the borrower's total housing expense, which is the sum of the monthly housing expense plus monthly payments on existing debt, cannot exceed a percentage of the borrower's income specified by the lender. If this maximum is
36 percent, for example, the total housing expense for Smith cannot exceed $1,440. If taxes and insurance are $200 while existing debt service is $240, the maximum mortgage payment is $1,000. At 4.5 percent and 30 years, this payment will support a loan of $197,361. Assuming a 5 percent down payment, this implies a sale price of $207,749. This is the maximum sale price for Smith using the debt rule.
The required cash rule says that the borrower must have cash sufficient to meet the down payment requirement plus other settlement costs. If Smith has $15,000 and the sum of the down payment requirement and other settlement costs are 10 percent of sale price, then the maximum sale price using the cash rule is $150,000. Since this is the lowest of the three maximums, it is the affordability estimate for Smith.
When the income rule sets the limit on the maximum sale price, the borrower is said to be income-constrained. Affordability of an income-constrained borrower can be raised by an increase in the maximum monthly housing expense, or by access to additional income – by sending a spouse out to work, for example.
When the debt rule sets the limit on the maximum sale price, the borrower is said to be debt-constrained. The affordability of a debt-constrained borrower (but not that of a cash-constrained or income-constrained borrower) can be increased by repaying debt.
When the cash rule sets the limit on the maximum sale price, the borrower is said to be cash-constrained. Affordability of a cash-constrained borrower can be raised by a reduction in the down payment requirement, a reduction in settlement costs, or access to an additional source of cash – a parent, for example.
There are many affordability calculators available on the Internet, but to my knowledge, the calculator on my website, www.mtgprofessor.com, is the only one that allows the user to do it two ways. Users can specify the house price, and the calculator will return the minimum income, minimum cash and maximum debt to buy that house. Or they can specify their income, debt payments, and loan and property features, and the calculator will return the price they can afford to pay.
The affordability calculator on my website, calculator 5a, can be found at http://mtgprofessor.com/calculators/Calculator5a.html.
Jack Guttentag is professor emeritus of finance at the Wharton School of the University of Pennsylvania. Comments and questions can be left at http://www.mtgprofessor.com.