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Please Note: There are several recipes listed on this page. Please scroll down the page, to find the recipe you are seeking. Thank you!
Fancy Stuffed Peppers with Quinoa and Black Beans
Makes 6 servings
This tempting, hearty entrée is especially well-suited to fall and wintertime, and the festive presentation will grace the table at any holiday celebration. Choose the color of peppers accordingly: orange for Halloween, orange and yellow for Thanksgiving, red and green for Christmas, or red for Valentine's Day.
1 cup quinoa, rinsed thoroughly
2 cups vegetable broth
6 bell peppers, any color or a combination of colors
1 tablespoon extra-virgin olive oil (optional)
1 jar (about 25 ounces) marinara sauce, as needed
1 can (15 ounces) black beans, drained and rinsed
6 ounces cremini or white button mushrooms, chopped
1 onion, chopped
1⁄4 cup toasted wheat germ, plus more as needed
2 cloves garlic, chopped
1 teaspoon dried basil
Put the quinoa and broth in a medium saucepan and bring to a boil over medium-high heat. Decrease the heat to medium-low, cover, and simmer for about 15 minutes, until the water is absorbed and the quinoa is soft but not mushy. Let cool slightly. Transfer to a bowl, cover, and refrigerate for 2 to 24 hours.
When ready to assemble the stuffed peppers, preheat the oven to 400 degrees F.
Slice off the top 1⁄2 to 3⁄4 inches of each pepper and set aside (these tops will be used to "cap" the peppers later). Seed the peppers.
Stir the optional oil into 1⁄2 cup of the marinara sauce. Spread the mixture in the bottom of a deep casserole large enough to hold all the peppers snugly so they remain upright during baking.
Set aside 1⁄4 cup of the remaining marinara sauce. Mix the quinoa with the beans, mush- rooms, onion, wheat germ, garlic, basil, and half of the remaining marinara sauce. Stir until well combined, adding more marinara sauce, a couple of tablespoonfuls at a time, until the mixture is moist but not soupy. If the mixture does get a little soupy, simply add more wheat germ.
Spoon one-sixth of the mixture into each pepper, mounding it if need be. Spoon 1 tablespoon of the reserved marinara sauce over each pepper,
then top with the pepper tops. (The stuffing will peek out between the pepper tops and bottoms.) Carefully position the peppers in the casserole so they will remain upright while baking.
Cover and bake for 45 to 60 minutes, until the sauce is bubbly and the peppers are slightly tender but not mushy. Serve immediately or let cool for 15 minutes before serving. Put the sauce that has accumulated at the bottom of the casserole in a gravy boat or small bowl to pass at the table
Velvety Carrot Soup
MAKES 4 to 6 SERVINGS
I love to serve this stunning, colorful soup as an elegant first course on a chilly night. However, it is also delicious served cold, making it suitable for any time of year. The vegetables are blended to produce a thick, smooth soup that's low in calories and high in nutrition. It's very tasty as is, but if you make it a day in advance and store it tightly covered in the refrigerator, the flavors will meld and develop even more. Just note that you may need to add a bit more broth or nondairy milk if you reheat the soup.
5 large carrots, peeled and coarsely chopped
3 medium white potatoes, peeled and coarsely chopped
1 cup unsweetened nondairy milk, plus more as needed
1 cup vegetable broth, plus more as needed
1 teaspoon brown sugar
1 teaspoon italian seasoning
1⁄2 teaspoon reduced-sodium tamari
Sea salt
Freshly ground pepper
2 tablespoons chopped fresh parsley, for garnish
Steam the carrots and potatoes until soft but not mushy, about 10 minutes. Transfer to a large bowl. Add the nondairy milk, broth, brown sugar, italian seasoning, and tamari and stir to combine.
Put half of the mixture in a blender and process until smooth. Pour into a soup pot. Repeat with the remaining mixture, then stir the two batches together.
Put the pot over medium-low heat and simmer, stirring often, until heated through, about 10 minutes, adding more broth or nondairy milk to achieve the desired consistency.
Season with salt and pepper to taste. To serve, ladle the soup into bowls. Garnish with the parsley if desired.
Sweet-and-Savory Kale
Makes 4 to 6 servings
In this appealing side dish, brown sugar adds the sweet, while the tamari provides the savory. It is a beautiful dish that will enhance any meal—and a great introduction to cooking kale, as it takes the mystery out of preparing this fantastically nutritious leafy green vegetable.
1 large bunch kale, stemmed, washed and very thinly sliced
2 tablespoons extra-virgin olive oil
2 teaspoons brown sugar
2 teaspoons reduced-sodium tamari
4 teaspoons unsalted roasted sunflower seeds
Steam the kale until wilted and quite soft but still bright green, 15 to 20 minutes. Transfer to a medium bowl. Put the oil, brown sugar, and tamari in a small bowl and whisk to combine. Pour the mixture over the kale and toss until the kale is evenly coated. Sprinkle the sunflower seeds over the kale and toss lightly. Serve immediately.
Note: For a lower-calorie dish, use only 1 tablespoon of olive oil and increase the amount of tamari to taste.
Chocolate Ganache Pudding
Makes 4 servings
1 cup vanilla soymilk
5 ounces, (about 1 1/2 sweetened bars) vegan dark chocolate, finely chopped
2 teaspoons organic brown sugar
2 teaspoons unsweetened cocoa powder (for dusting, optional)
Heat the nondairy milk in a small saucepan over medium-low heat until steaming hot but not boiling.
Put the chocolate and brown sugar in a medium bowl. Slowly pour in the nondairy milk, about 1⁄3 cup at a time, and whisk vigorously after each addition until smooth and shiny.
Spoon the mixture into four tiny dessert bowls or espresso cups and refrigerate until set, at least 4 hours. To serve, place each cup on a small plate or saucer and sprinkle the pudding with about 1⁄2 teaspoon of the cocoa powder if desired.


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This product is covered by a Lifetime Warranty. If, for some reason, your product ever fails, we will replace it free of charge. Terms and Conditions apply, click here for more info.
Category 5e or Category 5 Enhanced, high speed cables should be your first choice if you want to progress in today's demanding Ethernet and Gigabit Networks. With this cable by your side, power is in your hands. Networx® will give you the crown with this high performance, 350 MHz, CAT5e patch cable. Here are the reasons why. Networx® CAT5e network patch cable can handle even the most intensive bandwidth applications out there. Furthermore, the Networx® CAT5e network patch cable is UL certified. This ensures you a branded, state of the art patch cable that is in accordance to all the standards put forth by TIA/EIA. The Networx® Cat 5e patch cable is manufactured using 350 MHz Cat5e bulk cable. This bulk cable consists of four 24 AWG unshielded twisted pairs. The booted CAT5e cable also flaunts stranded conductors and a highly durable and rich PVC jacket. The Networx® CAT5e cable also reduces NEXT interference and boosts performance by implementing short body, staggered, Cat5e RJ45 modular connectors. To top it all off, Networx® Cat5e contacts are plated with 50 micro inch of gold. This in turn provides superior connectivity.

subset: commoncrawl


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Each spring, the students at Bluegrass Community and Technical College elect a new slate of Student Government officers to serve as their official voice to the administration for the upcoming academic year. These elected officers and senators, designated members from each of the registered student organizations, and any BCTC student, faculty or staff member, come together once a month to plan out the student activity events for the upcoming months. These monthly Student Government meetings are open to the public and everyone is encouraged to attend.
The Bluegrass Community and Technical College Student Government is always striving to incorporate new activities and events within our traditional event calendar. Student Government officers and senators are always out talking to and surveying BCTC students on all seven of our Central Kentucky campuses to find out what type of programs they would like. If you are interested in becoming involved with Student Government or have questions about any of our BCTC student organizations, please feel free to stop by our Cooper Campus office or give us a call at (859) 246-6523.
Seth Spears
Georges Mpunga
Beymi Garcia
Cooper Campus
Danville Campus
Georgetown Campus
Lawrenceburg Campus
Leestown Campus
Newtown Campus
Winchester Campus
All students are members of BCTC Student Government Association (SGA) and welcome to attend the meetings.
Student Organizations are required to send one representative to the SGA meetings.
SGA Fall 2019 Meetings TBA


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Mineral Wear® Talc-Free Mineral Airbrushing Loose Powder SPF 30
Out of stock
Product Benefits
- Ultra-fine mineral powder delivers impeccable coverage for a flawless airbrushed finish.
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- The result is a visibly firm, smooth, healthy and youthful complexion.
Hypoallergenic. Fragrance free. Paraben free. Dermatologist approved. Non-Comedogenic.
Active Ingredients: Titanium Dioxide. Zinc Oxide. Inactive Ingredients: Mica. Boron Nitride. Zinc Stearate. Lauroyl Lysine. Tricaprylin. Magnesium Silicate. Carthamus Tinctorius (Safflower) Seed Oil. Chamomilla Recutita (Matricaria) Flower Extract. Panax Ginseng Root Extract. Ginkgo Biloba Leaf Extract. Camellia Oleifera Leaf Extract. Ascorbyl Palmitate. Tocopheryl Acetate. Retinyl Palmitate. Chlorphenesin. Potassium Sorbate. Sodium Dehydroacetate. May Contain: Iron Oxides. Titanium Dioxide.
May be worn alone or over makeup. Invert jar and gently tap to allow powder to gather in tray. Open the sifter lid and lightly buff powder over face and neck to even out complexion. For the most even application, be sure to tap excess powder from brush before applying. For best results on dry to very dry skin, apply moisturizer prior to using powder.
For external use only. When using this product, keep out of eyes. Rinse with water to remove. Stop use and ask a doctor if rash or irritation develops and lasts. Keep out of reach of children.
- Hypoallergenic
- Fragrance-Free
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- Dermatologist Approved
- Non-Comedogenic
- Cruelty Free


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Promises about Gays and Lesbians on Linc-O-Meter
Will protect people from discrimination based on sexual orientation and gender identity
Chafee "supports . . . non-discrimination policies and laws, repealing Don't Ask Don't Tell, freedom of gender expression . . "
Expand hate crimes legislation to include sexual orientation and gender identity of victim
Chafee "supports hate crimes legislation in Rhode Island" [which has already been achieved federally and] designed to include feedom of gender expression."
Support same-sex marriage, support repeal of Defense of Marriage Act
"If Chafee were elected governor, he would not only sign marriage equality legislation, but would champion it. In his own words from a 2009 op-ed in the Huffington Post, 'To me, the issue of same-sex marriage boils down to a question of basic fairness ... Rhode Island legislators should follow in the footsteps of our fellow New England states and be true to our pioneering history of tolerance by advancing a marriage equality bill.' "
Support anti-bullying legislation, protect gay, bisexual and transgender youths in schools
Chafee "supports . . . protecting [gay, bisexual and transgender] youth from bullying and harassment."
Grant same-sex couples same rights that heterosexual couples have in adoption, foster care, etc.
Chafee "supports . . . same-sex parenting rights."


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President Barry Bluestein
Shalom! If you're reading this I hope that you're considering joining our synagogue, Congregation B'Nai Israel, located on a quiet residential street in lovely Emerson, New Jersey. CBI is a friendly, welcoming conservative, egalitarian shul blessed with Bergen County's most innovative clergy, Rabbi Debra Orenstein and Cantor Lenny Mandel, who offer our congregants the perfect blend of ritual and learning in a manner that's stimulating and often times entertaining, funny and poignant. Our 200 members include a wonderful balance of families with Hebrew School age children, families paying college tuition and families whose grandchildren have become third generation members.
As a 25 year member of CBI and current president, my wife and family were drawn here because of the wonderful warmth of the congregants and the positive spirit that is palpable in our shul every day. That spirit pervades everything we do here at CBI...from ritual, to Hebrew School, to Adult Education to the well-attended social events that bring friends and congregants together.
Please consider giving our wonderful, Hamesha community a test drive. Attend a service, join us for the High Holidays, audit a Hebrew School class, or enroll in an Adult Education class. Experience and feel the spirit and warmth that sets CBI apart from other conservative synagogues. Have questions, please feel free to call me or our membership chair and we'd be more than happy to tell you why there is no other shul like CBI!


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For this reviewer's unpopular money, Pink Floyd only made two truly great; transcendental songs. But the fact remains that 'Careful With That Axe, Eugene' and 'Set the Controls for the Heart of the Sun' are two of the greatest songs I've ever heard. So it's somewhat mystifying that so much of the rest of their catalogue does so very little for me by way of comparison.
Somehow I don't think that Carlton Melton would share that opinion. Whilst their drawling psych shares little with the terrifyingly narcotic heart of darkness krautrock that the 'Floyd mastered for 'Set the Controls…', it takes a hefty leaf out of the rest of Messrs Barrett, Waters, Wright, Mason and Gilmour's early work. A bunch of gnarled (literally, they're all over 40) former garage punkers turned psychedelic rockers from California, who record in a geodesic dome (a detail every review of their records seems so eager to thrust upon the reader like a slobbering labrador with a dead bird, including this one), theirs is a heady brew of wayward, Eugene-ian space rock that demonstrates a middle ground between the dawn throb of Tangerine Dream and something a bit more wayward.
Photos of Photos is a product of one of those dome-based recording sessions, guitars ebbing and flowing over a heady scent of theremin and percussion occasionally so delicate, low and sparse that you occasionally lose it altogether. It's glacial, elegant and nods determinedly to the 'forgotten futures' explored so willing by Seventies music. This isn't so much hypnagogia as unabashed idolatry of the retro-futuristic image of sleek rocketships gliding across the rings of Saturn and on to who knows where. It's Space Rock, Jim, and exactly as we know it.
If the message that this a record that has to be absorbed through near total immersion hadn't been entirely received upon glancing at the six track record's hour and ten runtime, featuring the titanic 22-minute-plus 'Adrift', then the music should speak, or at least hum, for itself. And boy, is it easy to find yourself Adrift in Carlton Melton's swirling sounds. Photos of Photos exacts a gravitational pull on listening time to the extent that describing individual tracks almost feels worthless, and after multiple listens I'd still be hard pressed to tell anyone how any one of the song starts apart from the first one ('Nor'easter', with a lilting, swaying fade-in) or how any one song ends apart from the last one ('Smoke Drip' with the disappearing chimes of some long-forgotten starship console fading into the black). Yet there's very little that ever sounds forced on this record, least of all longevity. Like Earth at their most majestic – and by the sounds somewhere in the middle of this record, they share a few effects pedals and amplifiers with Dylan Carlson – Carlton Melton progress remarkably naturally through their wandering odysseys, without recourse to tiresome guitar heroics or gormless stoned repetition.
The secret is perhaps the music's tendency to creep from drone to muscularity with effortless ease. Like the longevity, it's something that seeps out naturally, apparently erratic lonesome guitars colliding and pinballing off each other before coagulating into recognisable riffs as those afore-mentioned lost drums crash and thunder like they were there all along. Even those who might feel cheated by the band's repetition of the same trick over and over couldn't help to enjoy the thrill of realising that the hushed whisper has slowly, but also suddenly, become a frenetic hum.
What's impressive is that even amongst a glut of Californian psychedelic acts thrown out in the big bang following Comets On Fire's eardrum bursting ascension, Melton stand significantly apart. They might not have Earthless' meteoric technicality, not the Shjips' endless patience, nor even the fire of fellow spacerock devotees White Hills, but this record shows that they have the unerring ability to craft a record that sounds exactly like its influences but remains exciting and thrilling. It's the only Pink Floyd record I ever wanted to hear from end to end.
8Philip Bloomfield's Score


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Alerts/ Disasters
Headlines (last 30 days)
- Govt. Angola: More than 200,000 children to be vaccinated against polio in Angola. 13 Jul 2019
Most read reports
- Govt. Angola: Over 200,000 children benefit from polio vaccine. 13 Jul 2019
- ICRC: Angola/DRC: The unaccompanied children of Lóvua Refugee Camp share their stories. 17 Jul 2019
- UNHCR: Angola: Inter-Agency Operational Update (1 – 31 May 2019). 12 Jul 2019
- UNHCR: 3Ws Lunda Norte – Who is doing What and Where (8 July 2019). 12 Jul 2019
- Govt. Angola: MPLA parliamentary group assesses drought in Huíla. 4 Jul 2019
By Dr Marc Biot, Dr Isabelle Defourny, Marcel Langenbach, Kenneth Lavelle, Bertrand Perrochet and Teresa Sancristoval, Directors of Operations
Global Overview
Having regard to the Treaty on the Functioning of the European Union,
Having regard to Regulation (EU, Euratom) 2018/1046 of the European Parliament and of the Council of 18 July 2018 on the financial rules applicable to the general budget of the Union, amending Regulations (EU) No 1296/2013, (EU) No 1301/2013, (EU) No 1303/2013, (EU)
No 1304/2013, (EU) No 1309/2013, (EU) No 1316/2013, (EU) No 223/2014, (EU) No 283/2014, and Decision No 541/2014/EU and repealing Regulation (EU, Euratom) No 966/20121 , and in particular Article 110 thereof,
Having regard to the Treaty on the Functioning of the European Union,
Having regard to Council Regulation (EC) No 1257/96 of 20 June 1996 concerning humanitarian aid1 , and in particular Article 2, Article 4 and Article 15(2) and (3) thereof,
Having regard to Council Decision 2013/755/EU of 25 November 2013 on the association of the overseas countries and territories with the European Union ('Overseas Association Decision')2 , and in particular Article 79 thereof,
Global Overview
Global Overview
In a complex and fast-changing world, we remain focused and resolute in pursuit of our goal – to provide the most appropriate, effective medicine in the harshest of environments. As well as responding to vital needs, our aid is born of a desire to show solidarity with people who are suffering, whether as a result of conflict, neglect or disease.
Global Overview JUNE 2018
This monthly digest comprises threats and incidents of violence affecting the delivery of humanitarian assistance. It is prepared by Insecurity Insight from information available in open sources.
13 November 2017: Save the Children announced that it had fired 16 staff over reports of sexual violence in the past year. Source: Thomson Reuters Foundation
On Monday 16 October 2017 the Council adopted the EU Annual Report on Human Rights And Democracy in the World in 2016.
2016 was a challenging year for human rights and democracy, with a shrinking space for civil society and complex humanitarian and political crises emerging. In this context, the European Union showed leadership and remained strongly committed to promote and protect human rights and democracy across the world.
Global Overview NOVEMBER 2016
Global Overview OCTOBER 2016
CrisisWatch is a monthly early warning bulletin designed to provide a regular update on the state of the most significant situations of conflict around the world.
Global Overview, August 2016
Global Overview – Trends and Outlook
The month saw Venezuela's political, economic and humanitarian crisis worsen amid heightened tensions between the government and opposition, a situation which could lead to state collapse and regional destabilisation. Another major setback in electing a new president in Haiti prompted fears of further civil unrest. In West Africa, deadly violence in central Mali and south-east Nigeria spiked, while a power struggle in Guinea-Bissau led to a dangerous standoff.
The month saw fighting escalate again in Syria and Afghanistan, and erupt in Nagorno-Karabakh between Armenian-backed separatists and Azerbaijani forces. In Bangladesh, election violence and killings by extremist groups showed how new heights of government-opposition rivalry and state repression have benefitted violent political party wings and extremist groups alike. Political tensions intensified in Iraq and Macedonia, and security forces severely supressed opposition protests in the Republic of Congo and Gambia.
The month saw conflict continue to rage in Turkey's south east between Ankara and the Kurdistan Workers' Party (PKK), looking likely to further escalate in March. Afghanistan and Somalia both saw armed insurgencies capture new territories. In Africa, political tensions rose in Chad, Mozambique and Zimbabwe, while in Venezuela, deadlock between the opposition-held parliament and government has brought the country closer to political and economic implosion.
Snapshot 9–15 September 2015
Afghanistan: The number of severely food insecure has risen to 1.5 million people, according to a new assessment. 7.3 million people are moderately food insecure. Food security among IDPs is worsening, with around 200,000 people reported to be in need of immediate assistance.
Snapshot 2–8 September 2015
Yemen: The health system in Taizz governorate is close to collapse. All public hospitals have closed, and the remaining health facilities are overwhelmed by severely injured people as well as a dengue outbreak. Access remains severely restricted across the country. Hudaydah port, the main entry point for humanitarian supplies in north and central Yemen, remains closed, and road transport from Aden port to northern governorates remains limited.


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here are my top favourite picks from soups that i've tried on pinterest lately! of course with a few tweaks of my own!
number 1- thai chicken soup!
my friends- grab a pen and paper and write this recipe down! when i first pinned it on pinterest the comment on it was "so good you will eat it for every meal until its gone" uh, true story. IT'S SO GOOD. i substituted red curry for green curry (because our grocery store didn't carry it!) and it was fantastic. -and not to mention easy to make! the second time i made it- i added extra chicken and extra red peppers and it made it perfection!
number two –chicken pesto minestrone
this soup is so easy to make and is a good soup to carry over with you into the summer. it has an easy to make pesto that makes the soup extra creamy. you top it off with rotisserie chicken, asparagus, and roma tomatoes. nothing could be better.
number three –white chicken chili
this was so good that my cheese and sour cream hating husband loved it. i think that is enough said! haha. i added extra beans to make it less soupy and more like chili. and extra bacon- of course extra bacon.
so grab your bowls and spoons and get cooking!
xo- M+A
ps- all of these can be made in a vegetarian version and would be awesome. sometimes the meat helps make the soup, but in these soups they'd be great either way!


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French webinar
07 Dec / 11:00 am CE(S)T
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Join us for a 30-min webinar! With our easy-to-use tool, we help your organization administrate all of your privacy records, such as processing, assessments and data breaches.
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Wednesday, July 25, 2007
Borrowing money to lend on Prosper: Wise or Foolish?
The concept is simple, and it is how banks earn much of their money. If they can pay less than 1% on money deposited in a checking account and then lend out the money at 8% then they are making money on the difference. This is also the idea behind the Yen carry trade, a popular investment technique where money is borrowed in Japan at very low interest rates and then reinvested in developing markets that have much higher interest rates. The risk, of course, is that currency fluctuations could wipe out any gains that you make.
At Prosper there is also a significant risk to this borrow-to-lend strategy. Before we look at the risk though, lets look at a wildly optimistic scenario:
Suppose you were a AA borrower with perfect credit. You take out a $10,000 loan at 8% (this is a below average interest rate for a AA loan of this size, but we are being optimistic). Then, lets assume you get really lucky and avoid defaults and late loans while lending at an average of 19% interest. Now you are probably thinking, wow I just made 11% on the carry. A cool $1100 of free money! Lets take a closer look to see if that is the case.
When you initially take out the loan you have to pay 1% in loan closing fees ($100 in this case). Then, if you are lending at 19%, you are in the B-HR credit grades on your loans so you will have to pay a 1% servicing fee on those loans (there goes another $100). Also, you have to wait for the money to transfer out and back in to Prosper. Then, once you bid on loans you have to wait for them to close. During this time, which will probably be about 30 days, you are not earning any interest on your money. That reduces the rate of return for the first year from 19% to 17.4% (11 months at 19% and one month at 0%).
So, instead of making 11% you are now at 7.4% in earned interest (we subtracted 1% for the loan closing fee, 1% for lender loan servicing fees, and 1.6% for idle money). Well, that's not too bad you think, it is still $740 in free money, right? Not so fast...
There is one more thing to consider: taxes. Prosper is not a tax friendly investment. Interest paid on money borrowed from Prosper is not tax deductible. To make things worse, money earned on Prosper is taxable as ordinary income. Lets assume you are in a 25% federal bracket and 7% state bracket. The federal government sees that you earned $1740 on Prosper (they are looking at just the lender side). In this case, your taxes eat up $556.80 of your earnings. Now you are down to $183.20 in first year earnings, and remember this is the optimistic scenario.
Now, lets look at a more likely scenario using the same methods and example as above. Only this time we will assume that you have a 12% default rate (this is a better than average default rate for loans at a 19% interest rate). Now, instead of earning money you post a loss of a few hundred to as much as $1000 in your first year of investing depending on when the defaults occur.
The worst case scenario is that you don't diversify, overweight in HR loans, or are particularly unlucky on your default rates. Under this scenario it would be easy to see losses well in excess of $1000 during your first year.
Looking at the numbers, the potential gain is small, and the risks are too great to make Prosper a viable place for making money on the spread in interest rates by borrowing to re-lend the money. It is possible to earn a reasonable rate of return at Prosper, but borrowing at 8% to re-lend makes it unlikely to be a successful investment.
What really makes me cringe is when I see postings from people with poor credit scores who are trying to borrow at 12% or 14% to re-invest the money back into Prosper. They are almost sure to lose money on their investment.
I have loaned money to one person who was trying the borrow-to-lend reinvestment strategy on Prosper. I loaned him money at 8%, which he reinvested in loans that have an average interest rate of 16.28%. He re-invested the full amount of the loan ($3000), and a nearly a year has passed since he made the investment. He now has 4 late loans, and according to LendingStats his estimated ROI adjusted for late loans will be 7.30%. That means he will be lucky if he breaks even on his investment.
18 comments:
- Scott said...
While I agree that borrow-to-lend is a poor strategy, your tax comments are incorrect. There is no reason why one would not be able to deduct the interest cost on their prosper loan against interest income from prosper investments. The interest would be listed as "investment interest expense" on IRS Schedule A, line 13.
See IRS Publication 550:
- September 3, 2007 at 10:06 AM
I would just like to agree with the tax comment. I actually took this problem to my tax advisor, and he set up a few scenarios. While I agree it's a thin-margin game, if you can borrow and invest in something quality, it saves you the need to save up $25k to invest in nice fixed-income vehicle.
- September 20, 2007 at 5:39 PM
I also think there is a problem that you can't deduct the losses from a default, yet you still are going to be paying interest on income in the form of interest. Do you have any idea if you can deduct defaults?
- October 12, 2007 at 4:32 PM
- Jesse said...
If it is more than a couple of hundred dollars you are probably best off setting up prosper as a business. Prosper should deduct the losses in bad loans from your return, so there may be a delay of about 5 months(they sell loans that are 4 months late).
- January 15, 2008 at 9:09 AM
- Chris said...
You can certainly deduct the losses from a default. Prosper issues the necessary tax forms.
However it is a very thin margin and keep in mind that investment interest expense is a Schedule A item, which means that it's worthless unless you have more deductions than the standard deduction to begin with.
- February 8, 2008 at 11:44 AM
- Nick said...
Does anyone know if there is a calculator that calculates reinvested interest for loans that you give out on prosper. Like if I give out $10,000 for example. Then reloan payments made to me. And continually reloan as payments come in. How much money I will have in 20 years for example?
- April 14, 2008 at 12:45 AM
- Randy Laboy said...
It amuses me that arbitrage is so often billed as a "fool proof" way to make money. Arbitrage works well on paper, but in the real world its hard to deal with such razor thin margins.
When you're not playing with your own money, things can get ugly real fast.
- April 20, 2008 at 10:52 PM
- Tom said...
Randy, I agree. The potential return is very small under the borrow-to-lend arbitrage plans. The risk, however, is high.
- April 20, 2008 at 10:56 PM
You can deduct your losses as a capital loss on Schedule D to offset ordinary income up to 3,000 per year on any loan that goes bad. You can then carry any unused losses forward or possible deduct it entirely if you have capital gains.
If you borrow money to lend. The interest from borrowing the money is deductible on Sch. A as investment interest expenses.
- May 30, 2008 at 4:37 PM
This is an old thread, but it's interesting to note the outcome of the two borrow-to-lenders you link to at the end of your article.
Both have paid their loans in full earlier this year. But Eric's site shows the C who borrowed at 14.66% with an ROI of -8.80%, and the AA you loaned to at 8% has an ROI of 0.28%.
Didn't work out for either one, but worked out fine for the lenders who supported their futile effort.
- June 22, 2008 at 5:39 PM
- Tom said...
Good point! I think that borrowing to lend is a poor investment strategy. However, investing in "blenders" can be safe. Borrowers who lend often pay back there loan even if they are losing money in Prosper. I have lent money to several blenders.
- June 23, 2008 at 7:17 AM
Just an FYI for the interested: The loan carry scheme is NOT actually how banks make money. Banks create money when they loan it to you, and they make interest as "free" gravy on this money. The principal, similarly, winks out of existence when you pay it back to the bank. The bank is limited in the number of loans they can make by regulations that limit the reserve fraction - that is, to loan $100 they must usually have about $10 on deposit. The upshot is...even real, successful banks can't really make money this way. They typically make money by charging interest on money that exists temporarily, by charging fees for services, and by increasing the number of loans they can make by attracting depositors. There's no reason to think you're being some sort of hotshot, professional banker by playing the carry trade. It's more akin to trading options - something with very high risk of loss and even liability relative to the possible return.
- July 18, 2008 at 10:16 AM
- TheFinanceGuy said...
Has anyone run any analysis on the loan data? Like how the size of the loan affects the default rate? Based on my research I came to the very obvious conclusion that higher balance = higher default rate. By using this very obvious conclusion, could one not then generate a slate of loans which are theoretically very low default probability?
I think yes, but one cannot borrow to lend with this strategy, since as the blog points out the margin is too thin (I am seeing about 13% return on 3% default rate over 700 loans). Oh and this is inside a self-directed Roth IRA (no taxes, not even UBIT, muhahahahaha).
- August 8, 2008 at 2:05 PM
- Tom said...
Finance guy - you may want to check out this article about risk and Prosper returns.
- August 9, 2008 at 5:01 AM
- Tom said...
Finance guy - I just checked out your website. You do reduce your risk by loaning to C's and D's that request the min loan amount $1,000. I look forward to reading your research.
- August 9, 2008 at 5:31 AM
- TheFinanceGuy said...
I finished the basic analysis. The average is about 13% return over the period, with about 3% default over total loans, or about 5% over the currently active loans. Sample size = 893 total, 585 active, so there have been enough loans to satisfy the t-stat.
There is a problem: it doesn't scale progressively. However, up front scaling is OK: if you have a big chunk now you can use it all at once, but if you want to increase the bids as you go, it won't work.
- August 12, 2008 at 11:36 AM
- Tom said...
Financeguy - thanks for letting us know about your results. I took a quick look at loans of $1,00 vs other small loans over $1,000. (1K to 2.5K) There was a huge difference in the default rates. Perhaps many of those borrowing $1K actually need less than $1K?
- August 12, 2008 at 11:41 AM
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Boogz Boogetz - Flashy Lights
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The cause of a power outage leaving 100 PG&E customers in San Francisco's Noe Valley neighborhood without power this morning was a nearby lightning strike, a utility spokesman said.
The outage was reported at 1:12 a.m. and impacted three transformers along 24th Street, PG&E spokesman J.D. Guidi said.
Crews are on scene working to fix the transformers located on 24th street at Hoffman Avenue, Fountain Street and Grandview Avenue, Guidi said.
There is no estimated time of restoration, according to Guidi.
Copyright © 2012 by Bay City News, Inc. republication, re-transmission or reuse without the express written consent of Bay City News, Inc. is prohibited.


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You wouldn't expect Palestinian Christian leaders to embrace a movement that enlists Christian Arabs in Israel's military. And you'd be right.
"Our people struggle with our country for statehood," Boutros Mansour, general director of the Nazareth Baptist School, told Christianity Today. "I oppose it, and I think about 80 percent of Arab Christians oppose it."
But the new movement, started by a Greek Orthodox priest and a Galilee sea captain, is meeting with some moderate success. In 2013, approximately 100 Arab Christians enlisted in the Israel Defense Forces, triple the number from 2012.
"We plan to integrate Christians into Israeli society and state institutions—to serve the country and do their part," said cofounder Gabriel Nadaf, a Nazareth-based priest, at a recent recruitment forum. "This country protects us, and it deserves to have our contribution to its defense and prosperity."
Last year's expiration of a law that exempted most of Israel's ultra-Orthodox Jews from mandatory military service was one of the Jewish state's hottest debates. But Israel has for a long time wanted to enlist more Arabs in its military beyond the "incredibly small fraction" of current conscripts, says Noah Haiduc-Dale, a Mideast history scholar at Centenary College in New Jersey.
Bishara Shilyan, the other founder of the movement, is concerned the status quo has led to a loss of Christian identity in the Holy Land. He points to Nazareth, where Christians had recently been the majority but now make up only 30 percent of the population.
"We are emigrating out of our historic places," he recently told the Hebrew daily Israel Hayom. Israelis ...1


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Event Set For Friday, May 13 From 7:15 To 9 a.m.
NEW HAVEN, Conn. – The Farnam Neighborhood House's fourth annual Sports Celebrity Breakfast, sponsored by SCS Systems, Inc. and First Niagara Bank, will have a distinct Yale women's basketball flavor. Head coach Chris Gobrecht will be the guest speaker, and assistant coach Queen Smith will receive the Polly Sweeten Excellence In Sports Award. The breakfast is Friday, May 13 from 7:15 to 9 a.m. at Amarante's Sea Cliff at 62 Cove Street in New Haven.
Gobrecht, who just completed her 31st season as a collegiate head coach, has 487 career victories. This past season she guided the Bulldogs to a second-place finish in the Ivy League. Yale then hosted Boston College in a WNIT game at the John J. Lee Amphitheater.
Smith, a life-long New Haven resident, completed her fourth year on Gobrecht's staff. She is a Farnam House alum and is being honored for her numerous contributions to youth athletics.
Farnam House is seeking table sponsors for the breakfast. As a table sponsor, your business or organization invites 10 guests to sit at your table and designates a "Celebrity Waiter or Waitress" to help serve the breakfast. The cost is $700. Or you can sponsor the table for $200 and your guest would be responsible for tipping the waiter/waitress ($50/person suggested minimum).
All fees are tax deductible and will benefit children, teens and families involved in Farnam's social, educational and recreational programs at the neighborhood center in Fair Haven and at Camp Farnam in Durham, Conn.
For more information, call Farnam at 203-562-9194.


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On trend. Unique. Quality Prints Made in Australia. Our art prints are created by professional graphic designers and artists – using a mixture of mediums such as watercolour ink, paint, pen, pencil, or digital.
We use high grade anti-fade inks, so all our prints are of the highest quality and will stand the test of time.
Printed on thick Sihl 210gsm art paper. Fully archival matte art paper in warm white. Our paper is enviro friendly with FSC COO7888 mark of responsible forestry.
All our artwork is made on request for you. This prevents any possible storage or environmental damage, and you can be assured all our prints are freshly printed and brand new.
Therefore please allow up to 1-2 weeks for production. Furthermore 3-8 days for postage depending on your location in Australia.
All artworks are copyright to the artists, and not on offer elsewhere. Commercially printed by fine art printers.
Real life printed images may have slight colour variation. When compared to images viewed on a computer monitor, tablet or smartphone depending on the resolution / settings on the device.
We strive to ensure all images are displayed correctly in our store and true to colour. However we cannot account for subtle variations on different electronic displays, as each screen will differ.


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Mary Neal CBE (1860-1944) and the girls of The Esperance Club were the spirit and instigators of the early 20th Century's Folk Song and Dance Revival. This project connects their stories to the inheritance of English song and dance today.
Esperance Street named for the A-Z?
A crop of remarkable news! At a party on March 26th in King's Cross the results of a public competition will be announced to rename the streets of the recently recreated urban centre there. A...
More info>
Country File with Mike Heaney
Jan 13th 2014 Great sequence on Thaxted in Country File, featuring Mike Heaney, Mary Neal and Cecil Sharp and the children and workers of Lee's sweetie factory... about 19.50 minutes in!
More info>


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CD-i prototype hardware from Philips HQ
>> Sunday, July 29, 2007
Finally, the story I hinted to a while back is published and that means we can dig a little deeper to the details. Because this is something special; I think it's the first time around we meet with an unreleased hardware peripheral (if we don't count the mystery around the Tele CD-i Assistant!). If you remember the picture from this post you know what to expect: This is like a combination of the trackball and the Commander/thumbstick. One innovative extra is the ability to recharge the device, so there's no need for batteries anymore. The Black Moon Project interviewed Peer Custers, working in Product Management at Philips, a "linking pin" between market and industry of Philips CD-i.
Ofcourse, Interactive Dreams jumps on the wagon to post our favourite bits in a compilation. Peer: "CD-i wasn't only a new format, it combined other formats as well. It appeared that this confused the consumer and it was quite difficult, to say the least, to bring the message across.
In the early days of Video CD films it clearly could be noticed that the encoding technology had to be sophisticated as the compression rate was too high. This resulted in visible "blocks". A good example for this phenomenon was the first release of the "Hunt for Red October".
A gaming module that would fit in the DVC slot has never been seriously planned. There was this generic policy that CD-i should remain a multi-standard product, e.g. CD-Audio, Photo CD, Video CD and CD-i applications capable. At that time our IMS (Interactive Media Systems) organisation had no experience at all in games. Yes, there were games, but as I stated in an earlier interview: no interest in the design and development of real games related devices. To introduce a successful games platform one needs a dedicated organisation with staff that is hooked up to games. You should understand gamers to be able to make games.
That prototype you see on these pictures actually would have come into production were it not that at that time the decision already had been taken to stop future developments in CD-i. The prototype Steph has actually is a sample of the second Trial Run. In parallel with the controller a docking station was developed to charge the batteries. This controller was designed on one hand to better meet gamers' requirements whilst at the same time it also could be used for generic CD-i purposes, like with the first set of CD-i controllers. The device also has been designed symmetrically in view of persons that are left handed.
The Commander might look a bit awkward, as its tip containing the IR transmitter points down. As this is unusual in the world of remote control, it needs a bit of elucidation. During various tests over time with consumer behaviour I always noticed that people tend to bend their hand down in which they hold a remote control and "shoot" at the set. CD-i however, because of its interactive nature, requires bending your hand in that position for quite a long time. And that is inconvenient as you tend to overstrain. In the designing stage I requested our design people to modify the shape of the Commander and put the nose under an angle of approx, 30° downwards.
The multitude of CD-i players was greatly a necessary evil, as we say in Dutch. First of all there was an enormous pressure on cost price as well a need to extend the product range offering the consumer a choice. Cost price reduction were obtained by developing new generations of "mother boards" as we would call them now. Integration of CD-i in TV and in audio stacks was envisaged and realised in the later phase of CD-i. Secondly there was the fact that we had to cater for a professional market as well. The professional market started to discover the benefits of a CD-i player attached to a TV in comparison of a PC with a monitor.
The CD-i player was positioned as a very versatile product: you could play your Audio CD's, you could show your photo's, you could play games, you could watch movies. All kinds of interactive applications both for the consumer as for the professional market were developed. A dedicated product (a CD player, a Photo CD player, a games machine): that was understood, but a CD-i player with all its possibilities? Interactivity: what is that? The beginning of the fall of CD-i was the fact that the consumer did not understand "interactivity". Marketing communications did not succeed in bringing the message across. Exit CD-i."
More? Click here to read the full interview!
Peer Custers was interviewed by Devin. With many thanks to Peer for answering our questions, and a debt of gratitude to Steph for his help and persistance! (c)2007 The Black Moon Project


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Patriots fans celebrate on the streets of Boston
After watching their team win the greatest comeback in Super Bowl history, fans of the New England Patriots flooded the streets of Boston to celebrate.
Crowds filled landmark locations like the Boston Common, Copley Square and Kenmore Square. Some of the revelers waved Patriots flags as they celebrated.
There is a lot to celebrate. The Patriots scored 19 points in the final quarter, including a pair of 2-point conversions, then marched relentlessly to James White's 2-yard touchdown run in overtime to beat the Atlanta Falcons 34-28 Sunday night. It was the first overtime in Super Bowl history.
Brady became the first quarterback with five Super Bowl rings and also won Super Bowl MVP for a record fourth-time.
Boston Mayor Marty Walsh took to Twitter late Sunday to congratulate the Patriots and announce the victory parade, which is scheduled for Tuesday morning.
"Thanks to all the fans who acted like champions tonight," Boston Police tweeted. "Well done and we'll see you Tuesday."
The Associated Press contributed to this report.


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The headline pretty much sums it up. Tomorrow at the Rogues Gallery Open Mic (11 South 21st St.; signups at 7:00pm; mic at 7:30pm) the hosts will be giving away two tickets to next Tuesday's Four Headliners For a Cause show at Helium Comedy Club. The show is organized and hosted by comedian Chris Cotton to help raise money for the Raven Lounge MS Bike Team and MS Research.
More on the show from Helium Comedy Club's website:
Four of the funniest comedians around lend their talents to a city wide fundraiser for Multiple Sclerosis for six weeks, ending with this May 14th performance. Comedians Talent Harris (Def Jam, Host of Apollo), Mike Vecchione (Tonight Show), Greer Barnes (Chappelle Show, Comedy Central), Jermaine Fowler (MTV 2's Guy Code) and host Chris Cotton (Eric Andre Live Show) will share the stage, using their voices to fight for those afflicted with MS.
Take advantage of this opportunity to see five outstanding comedians for the price of one while supporting a worthy cause! A portion of the proceeds will go to the Raven Lounge Bike MS team and the National MS Society. For more details on the show or how to donate, please visit the following links:
Donate to MS
National MS Society Donation
National MS Society


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While Monetary Policy Committee member David Miles maintained his vote for a modest increase in the £375bn pounds of bond purchase to date to £400bn, others said they had become more certain that this was not necessary.
The MPC said the past month's developments had been "modestly positive" for Britain, though growth data due on Friday is still expected to show a sharp slowdown in the last three months of 2012 after an earlier post-Olympics boost.
"While these developments had not substantially altered the balance of risks ... they had strengthened the belief of some (MPC) members that no further asset purchases were required at the current juncture," the minutes said.
January's minutes add to growing signs that the MPC is unlikely to restart its programme of asset purchases unless there is a sharp worsening in the global economy.
In a rare speech late on Tuesday, Governor Mervyn King said the central bank could restart asset purchases if needed, but that they were not a panacea that would solve Britain's underlying growth problem.
And Ian McCafferty, who joined the MPC in September, said last week that restarting quantitative easing any time soon would give little help to Britain's economy and risked raising inflation.
January's minutes showed that these concerns commanded wide support on the MPC.
"There was [...] considerable further scope for asset purchases to lower long-term yields on government and corporate debt and support other asset prices. But there remained uncertainty about their impact on nominal demand," the MPC said.
Disruption to Britain's banking system meant that further asset purchase or quantitative easing might not boost real demand either when capital and jobs needed to be reallocated between different industries.
The MPC also made its strongest statement yet that sterling - despite some recent weakness - might still be overvalued.
"The existence of a significant current account deficit at a time of subdued activity and spare capacity suggested that the sterling real exchange rate might be above the level compatible with the necessary rebalancing of the economy," the minutes said.
The MPC said that it was hard to get a sense of Britain's underlying growth, but their confidence had been bolstered by the United States' fiscal deal and some signs of stronger growth outside the euro zone.
There had been little news to change the central bank's outlook for consumer price inflation, which is likely to remain above its 2pc target in the near term, the MPC said.
Sir Mervyn also said on Tuesday that inflation targeting in Britain would be "irresponsible" and risk a return to the high inflation of the 1970s warned Sir Mervyn King, in what appeared to be a veiled criticism of his successor Mark Carney and the Chancellor.
In one of his last speeches as governor of the Bank of England before he steps down at the end of June, Sir Mervyn said that retaining a 2pc target was an "essential" part of monetary policy.
It followed comments by Mr Carney, the current Bank of Canada governor who takes over at the Bank of England on July 1, suggesting that central bankers could abandon inflation targeting.
He proposed an alternative mandate for "nominal GDP", a measure of total growth before adjusting for inflation, if traditional measures fail to produce a recovery.
Source: Reuters


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– Former World Heavyweight Champion Bill Goldberg will be hosting a new miniseries on the SPEED channel beginning next Sunday at 1pm EST. Here's a preview:
– Regarding the fight between Vader and Harley Race that we reported on from yesterdays Legends of the Ring Convention, Matt Hardy commented on Twitter:
"By the way, I was there today at Legends of the Ring & witnessed the physical altercation between Vader & Harley Race… Unbelievable."
– As a reminder, John Cena will be the Honorary Captain at today's New York Jets vs. Indianapolis Colts NFL game. The appearance has picked up some mainstream media attention with an article on the NFL website wondering if Cena will be boo'd because he is a New England Patriots fan. Cena tweeted this morning:
"Off to NYC to be @nyjets honorary capt. today. #Metlifestadium is home of #WRESTLEMANIA gotta make sure its loud enuff for @wwe"


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0 Members and 1 Lonely Barbarian are spying on this topic.
The biggest problem with this now is that with the proliferation of smart phones, and the use of passcodes on them, it's now harder for paramedics to get to any ICE number stored on the phone, unless if the patient is conscious and able to unlock the phone, at which point they'd be able to tell you who to call anyway. :/
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Mobile Banking: A Tool of Financial Inclusion for India
20 Pages Posted: 10 Sep 2010
Date Written: September 9, 2010
Financial inclusion denotes delivery of financial services at an affordable cost to the vast sections of the disadvantaged and low-income groups. People in developing countries have less options for transferring money and accessing banking services, because there is less deployed formal banking structure: fewer branches and ATMs generally co-located to relieve branches, low internet penetration and easy access to fast and immediate sources of loans but at high cost. So a branchless banking channel using mobile phones could be far more preferable to poor people than the available options like travelling to and queuing at distant branches, forgoing their daily wages. Only about one-third of people living in developing countries have any form of financial savings with formal institutions. It is proven fact that it lowers the cost of delivery to banks in building and maintaining a delivery channel and availability of funds to customers of accessing services. Hence, the developing countries around the world concentrate more on implementing the mobile banking access to the unbanked mobile users, as a tool of financial inclusion, which is known as Transformational mobile banking. Hence the success of mobile banking in micro finance depends upon the mass customer adoption, utility of mobile service for cash-in and cash-out transactions, interoperability of providers, a country's defined proportionate regulation and the ability of service providers to meet the regulatory challenges.
Keywords: M-Banking, Financial Inclusion,Transaction cost, Transformation, Proportionate Regulation
JEL Classification: 030
Suggested Citation: Suggested Citation
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By Purti Sharma
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By Michael U. Klein and Colin Mayer
Financial Inclusion Through Micro Finance in India and Emerging Role of POSB: An Analysis


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Why Did This Russian Guy Touch 2,000 Boobs? [VIDEO]
Recently, a Russian fellow named Sam Nickles touched the breasts of 1,000 different women, for a total haul of 2,000 boobs felt.
Why? Well, he claims he's doing it for Russian strongman Vladimir Putin, because Putin is too busy with state affairs and being married to go out and touch potential voters in that manner. (Look, we're just reporting what Nickles says.)
The thousand lovely young ladies in the video seem to have been forewarned that Nickles is about to swoop in with both hands blazing, or it would have been a different kind of video. Check it out below.
[via BuzzFeed]


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Hail to the chief
Tim Carmody is remaining chief of the Fort Dodge Police Department and that is good news for the city.
Carmody, who came to Fort Dodge to take the chief's job in September 2010, was one of three finalists for the police chief's position in Bellevue, Neb., eight miles from Omaha. That position has now been filled by an internal candidate who had been interim chief of police for Bellevue since its former chief resigned June 1, 2012.
Carmody, who served 22 years with the Omaha Police Department, where he rose to the rank of captain, said his decision to apply for the Bellevue position was based solely on an opportunity to be closer to immediate family members who live in the Omaha area.
In announcing he will remain in Fort Dodge, Carmody said, "I am excited about staying here as long as the city and my boss will have me. My wife and I are committed even more to making Fort Dodge our home for the foreseeable future."
Since taking the helm at Fort Dodge, Carmody has emphasized professional partnerships with other local law enforcement agencies and increased training opportunities for his own staff.
In 2011, he introduced the first Fort Dodge/Webster County Citizens Academy which allows everyday people to become acquainted with local law enforcement and emergency workers, to learn how they respond to crimes and accidents, and to encourage academy graduates to learn what they can do toward making their community a safer place to live.
His leadership continues to be crucial in making Fort Dodge a safe, welcoming community for those who live here and those considering it as a home.


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Oct. 22, 2010
SANTA BARBARA, Calif. - Powered by a career night from senior Dana Vargas, the UC Santa Barbara women's volleyball team defeated UC Irvine, 25-20, 25-13, 23-25, 25-20 on Friday night at the Thunderdome.
Santa Barbara improves to 12-9 overall and 6-2 in the Big West while Irvine falls to 5-16, 1-7. UCSB is now in sole possession of second place in the Big West. Long Beach State, at 5-2, and Cal State Fullerton, at 6-1, play on Saturday night.
Almost reaching a triple-double, Vargas had 48 assists to go with a career-high nine kills and eight digs. Stacey Schmidt led the Gauchos with 15 kills and Kelly Heenan had 22 digs.
Behind the play of Vargas, Schmidt and Lily Lopez, the Gauchos took the first game. Lopez had five of her nine kills in the first set while Schmidt had four putaways and Vargas 13 assists. UCSB was down 12-10 in the first until Schmidt and Lopez tied it on consecutive kills as the teams then traded points. UCSB finally broke away on a pair of Lopez kills combined with two UCI errors to eventually claim the first set.
In the second game UCSB torched the Anteaters to the tune of a .378 team hitting percentage while UCI hit just .105 after a meager .070 clip in the first game. Schmidt had four more kills in the second set while Vargas had 13 more assists.
The third set, all season, has been a problem for the Gauchos and it proved to be so again on Friday. The Gauchos are now just 7-14 in the third set this season after dropping it to UCI on Friday. Santa Barbara trailed 9-4 early in the third before eventually pulling to 15-apiece on one of Charlene DeHoog's nine kills. However the Gauchos led 23-20 and a pair of attack errors, a UCI service ace and kills from Mary Carls and Larissa Nordyke ended the set.
Channeling the third set, UC Irvine went on a quick run to open the fourth game, jumping out to a 7-1 advantage. Yet, like UCI had done to the Gauchos the previous set, UCSB returned the favor.
Helped by five straight points, the Gauchos finally caught - and passed - Irvine for a 17-16 lead and eventually took a 21-18 lead on an Anteater attack error. Two straight attack errors and a Kara Sherrard kill (one of her 11) finally gave the Gauchos the victory.
UCSB continues its homestand with a match at 7 pm on Saturday vs. Cal State Northridge. Tickets are available by calling (805) 893-UCSB or click here.
The Intercollegiate Athletics Ticket Office has two parking spaces adjacent to the building and is now open on Saturdays from 10 a.m. to 1 p.m., making it easier than ever for fans to purchase tickets. The two parking spots, designated specifically for the Ticket Office, are also available during weekday hours, which are 9 a.m. to 4 p.m. Monday through Friday.
The Gaucho Fund, launched as part of the Dare to Be Great strategic plan, is UCSB Athletics' annual giving program to provide vital funding support for scholarships, academic success and leadership development for Gaucho student-athletes. The Gaucho Fund is the anchor to the Dare to Be Great campaign.
GKids is the official kids club of UCSB Athletics. Members receive a free GKids t-shirt, free admittance to tons of Gaucho games, opportunities to be ball boys and girls at games, a special birthday greeting from Olie (the GKids mascot) and much, much more! For more information on GKids, or to become a member, please click here.
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Gauchos Knock Off UC Irvine
Oct 22, 2010


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These post or stud earrings are made from 9mm formica domes and cabochons have been adhered to gold plated settings.
♥Shipping♥✈ It will take approx 3-5 business days to US, and 1 - 2 weeks to all of the countries. All orders would be shipped it out within 1 to 2 business days.
If you are buying gifts for someone and have them mailed to the person directly, we are always happy to add a personal greeting for you, simply leave a message to us at checkout.
Prompt payment is appreciated within 3 days of your order. If a problem arises or a payment extension is needed, no problem! Simply email me so arrangements can be made. If no payment is received and no contact can be made with 7 days, I will cancel the order. If you choose to pay with a money order, I highly recommend making a copy or using delivery confirmation to serve as your proof of payment.
All domestic orders are shipped first class USPS, to the ETSY address on file within 3-5 business days of your purchase, although most orders go out the next day. International orders will be shipped via USPS Airmail within 10 business days of purchase. No insurance is applied, nor is delivery confirmation in order to keep shipping costs down. However, both services are offered upon request. I will also ship Priority and Overnight USPS upon request, and I charge only the actual cost of shipping for these additional services
- International deliveries are beyond our control once we mail them at the post office. We cannot affect the customs process in your country nor control any unexpected delays due to weather, accidents, etc..
please understand your country's custom delays can't be controlled on our end.
But please contact me if you have any problems with your order.
These items are Final Sale.
We don't accept cancellations
But please contact us if you have any problems with your order.
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Because of the nature of these items, unless they arrive damaged or defective, we can't accept returns for:
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Buyers are responsible for return shipping costs. If the item is not returned in its original condition, the buyer is responsible for any loss in value.
Custom orders are available and many handmade items can be altered at no extra charge. Please contact me to confirm alterations prior to your purchase.