text:
by Pete Bodo
Whatever happens in the Novak Djokovic-John Isner semifinal at the China Open will produce a bumper crop of those "irresistible force meets immovable object" moments. Tennis match-ups are tantalizing for any number of reasons having to do with strategy and/or technique, and sometimes for a variety of reasons beyond those.
For example, on any surface but clay, where the lefty high-kicking serve or forehand to the Roger Federer backhand is Rafael Nadal's version of the old Green Bay Packers' "power sweep" (you know it's coming, but you still can't stop it), a meeting between Roger and Rafa tends to play out kaleidoscopically. One of the two is doing something especially well or struggling a bit with some element in his game on the given day, which has a shaping influence on strategy and tactics. Sometimes one hot-zone in the battle cools off and another one replaces it. Suddenly, it's not about Rafa's wide slice serve to the backhand, but more about Roger's ability to penetrate and push Nadal back with his lashing, overspun backhand.
In some matches, the ability of Player A to find Player B's shaky one-handed forehand is key; in others, it's all about whether the retrieving ability of Player C will be able to handle the power and pace of Player D.
But the playbook for the Djokovic-Isner match-up will be remarkably and refreshingly thin. Nobody, regardless of details like service speed or first-serve conversion percentage, makes better use of his serve than Isner. And nobody makes better use of his return than Djokovic. It's an open and shut case. Will the Djokovic return—and return game—be unleashed, or bottled up by Isner's serving prowess? Remember, in beating Nikolay Davydenko, Isner hurled down 18 aces to Davydenko's one in the 6-3, 6-3 win. You don't need a pocket calculator to figure out the net-plus on that one. . .
But then, Djokovic is no Davydenko. I was somewhat surprised to see that Davydenko's name appears nowhere in the Ricoh ATP Match Facts statistics, at least not in the streamlined, week-to-week version that appears at the ATP website. I mean, Marcel Granollers makes an appearance (No. 10 in "Points Won Returning First Serve"), Jarkko Nieminen is No. 4 in first serve percentage (71 per cent), and Benjamin Becker wriggles in there on the leaderboard, right behind Roger Federer, at No. 7 in first serve points won. Admit it, wouldn't you have expected Davydenko to be in the Top 10 list in some serve or (more likely) return related category?
Djokovic, by contrast, is no lower than No. 4 in every one of the four Return of Serve Leaders categories, and at No. 1 on two of those lists. He's unrivaled in Break Points Converted (46 per cent) and shares the top spot with Juan Ignacio Chela in Return Games Won (33 per cent). Incidentally, Andy Murray, Juan Carlos Ferrero, Nadal and David Ferrer are hot on the leaders heels in that latter division, all of them winning 30 percent or more of their return games. That strikes me as an awfully high percentage, given that serving is such a great advantage that the entire scoring system is based on the premise that if you break your opponent just once in a set, while you've been able to hold your own six times, you deserve the set.
One of the big-picture trends these days may be ongoing erosion of the logic behind that fundamental idea. A 33 percent conversion rate means you're winning two of every six service games your opponent is guaranteed in any set, which is actually double what you need to win the set. I'd be tempted to ask myself if my belief in the critical importance of the serve (and thus, the ability to break) isn't a bit outdated, but then there's always. . . Isner.
Ivo Karlovic, Andy Roddick, Robin Soderling, Tomas Berdych. . . all those guys have massive serves, yet none of them—or anyone else—seems to win simply by shooting out the lights in quite the same way as Isner. (Well, Karlovic does, but at this point he's down at No. 10 in the aces department, although he's still serving about the same percentage of aces per match as the leader, Isner.) Berdych and Soderling simply are excellent if not completely fluid or nimble players, blessed with great serves. They have more game with which to back up their serves, and in some ways I think they like for that to be known.
Great servers can be a defensive breed because some people feel it's just not fair to win points pre-emptively. In tennis, you're supposed to show your dexterity and skill on the fly, but the serve is the only stroke over which the ball-striker has total control, because he has the right to put the ball exactly where he wants, and hit it exactly how he wants, to start a point. And starting a point the way you want, or having the opportunity to do that, is the critical advantage bestowed on the server.
In the past few years Andy Roddick has worked furiously to show that he, too, is not just another pretty (big) serve. Roddick earned a lot of respect but he also may have lost some efficiency (and he certainly surrendered a little bit of that menace that is the birthright of all big servers) when he worked so hard, and with such encouraging results, to become a more multi-faceted player. It's doubtful we'll ever know for sure about that. But a comparison with Isner is inviting, and it helps put all this in perspective.
Isner is all about the serve and he doesn't care who knows it. Oh, he works on the other parts of his game, and wants and works to improve as much as the next guy. But he admits that he cleaves to the Big Man Canon as well as the cannon. He told me in the spring that he has no overpowering desire to win the Mr. Versatility prize. He has no interest in showing off what defensive or transitional skills he has. He wants to get points over quickly; the sooner the better. This is less an attitude than a strategy, and it pops up in some unexpected places (like some Federer vs. Nadal matches on red clay, which usually feature a paucity of what we call "typical" clay-court rallies).
Isner knows that having a better backhand and service return certainly would make him more dangerous, mostly because it would enable him to put even more pressure on his opponents than he already does by virtue of his serving skills. Most of the men he plays are scared stiff, and for good reason. They know you can't afford to get broken when your chances of breaking, never mind breaking back, are slim to none. And that can affect the quality of your own serving.
A number of players said of Pete Sampras, a paragon of the serve-driven game, that his ability and confidence in his serve was such that he would just cruise along, feeling no urgency to do much of anything but take care of his serve (usually, a relatively easy job). Inevitably as a returner he'd have a lead of 30-15, or even 30-all, and then he'd strike to get the critical break, or point in a tiebreaker. A pro can lose a 6-2, 6-4 match to a guy like David Ferrer and feel like he fought a valiant, exhausting, close war. But he can lose a 7-6, 7-5 match to a Sampras, or Isner, and know deep down that he was not only never in it, but he may not even need to take a shower and massage.
So I'm looking forward to seeing how Djokovic, the most lethal return-game player on tour today, will deal with the most unapologetic advocate of the pure, serve-based game, Isner. It promises to be, like so many of the other great stories, simple and majestic, but with one brilliantly conceived sub-plot: Djokovic is mighty proud of the way he's rehabilitated his own serve, which should help him neutralize that great advantage Isner has in so many matches: his opponents' fear of being broken.
Yes, I have already set an alarm so I don't miss this one. Nole tends to do okay against those big and big-serving guys, especially on this surface.
And then I'll wake up to watch Ljubicic for the third consecutive morning, before settling in with Euro qualifiers.
"Admit it, wouldn't you have expected Davydenko to be in the Top 10 list in some serve or (more likely) return related category?"
Pete: No. These stats are for 2010. Given that Davydenko has hardly played this year due to injury and when he has entered a tournament with the exception of Doha and AO he has played poorly. So, I'm not surprised he's not on the list.
tennis.com in general always says that murray is the best returner. now its djokovic... so who is it? seriously though!
Saturday Order of Play:
ATP: Tokyo at 11 PM(Friday) - Stepanek vs Monfils followed by Nadal vs Troicki(LIVE on Tennis Channel)
ATP: Beijing at 1 AM - Djokovic vs Isner
WTA: Beijing at 3 AM - Li vs Zvonareva followed by Wozniacki vs Peer
ATP: Beijing at 7:30 AM - Ferrer vs Ljubicic
Surprised that Vetmama has not let TW know the following happened:
MATOSEVIC, Marinko AUS d [2] YOUNG, Donald USA 62 63
Murray is not the best any anything except running.
To everyone who thanked me for the Monfils/Roddick match calls, you're very welcome ; )
Just thought I'd post this link to the highlights so everyone would see what I was "ooh-ahhing" about:
There's this particular point at the start of the third set that has to be the point of the tournament. Incredible defense by Monfils.
I really think Nole is going to handle John. He's match-ready and playing for points with a lot of confidence. Is the China Open surface as fast as Tokyo? I wonder how the big guy will move around such a quick court. We know Nole can scramble.
Really pulling for Nole to take this title again. I think he's a fitting #2 and seeing him and Rafa at the top seems appropriate right now.
That's no disrespect to Roger because ranking doesn't really mean anything at this stage when it comes to him. He's already far above all of that.
Rafa and Nole are a good representation of the "now" generation.
Well Roger needs "hair extensions" ASAP
I would love a 6:3 6:2 sore....For Nole of course....I would love to see the coo-customer Isner panic and start double faulting....for the sake of tennis, of course!
Imjimmy Rafa's inside out forehand to me has been his "signature shot"
His preparation is excellent.Hard to read.I agree he needs to use that shot more.I am over a bit the cross court f/hand.Players are waiting for it and its getting a bit too readable for me.
I have seen the "inside out f/hand" on the clay where its just not returnable.
Nice article about tennis. Interview of Gavin Rossdale.
Tarnished Rafa Fan- Is that you, AM?
Roger needs hair extensions ?? Surely he is not losing his hair ?
Who's playing in Linz along with Serena guys?anybody knows about the draw?thanks in advance!
lollipop hmmm everyone has a 'evil twin" dont they? lol!
if you hold 5 (not 6) times while breaking your opponent 1 out of 5 times you win the set 6 - 4
Deuce Club up soon ... "Tarnished Rafa fan," you better be there. :)
I think that if Isner is wise, he'l throw almost as many bombs right at Djokovic's chest as whe will at the far lines. Djokovic is nothing if not flexible--a human gumby who literally snatches balls out of the air just before they smack against the backdrop. But aim it right at him, and as agile as he is, he's still got to find a way to make something good out of it. And that's no easy task, when you're falling on your backside.
And, if Isner can get to 30 on a handful of Djokovic's serves, and is willing to take a few early cracks at the ball or throw in the occasional chip-and-charge, he should be able to pressure Djokovic into more unforced errors than he's accustomed to, which ultimatley may erode his confidence.
No matter how you slice it, though, Isner's overarching strategy must be to disombobulate Djokovic, keep him on his heels with big shots, and keep the points so short that Djokovic never find his rhythm or settles in.
I think Djokovic's great percentage of break points converted says as much about his mentality as it says about his return game. While Lord knows Djokovic can be emotionally shaky, his break point record means that he doesn't lay off the gas pedal when he senses that he has the upper hand; he's not a guy to let opportunity slip away easily. Of course, on his own serve in the next game he can hit one errant shot that'll send his arms flailing in despair and his strokes torpedoing into the stands, but, hey, that's part of his charm...
Daniela, Petra, Dominika and Jarmila are some of the players playing Linz. Agnieszka was scheduled to play before she had to quit for 2010 due to stress fracture in her foot.
You need to post duece club soon as friends are on thier way over for drinks and then we are off to dinner!
Wish that it was on a different night as I am never home on Fri.
Had a fun lunch with Ruth today and am so glad that she is now here in my neighborhood.
Sorry, Diane! Busy day today and I'm just working at a snail's pace ...
If you don't make it today, stop by later? I always check in during the weekend.
You're forgiven!
night people i'm tired, my scalp hurts, i did a serena to my head today, i look good though!!! lol...
vamos rafa!!!!!!!!!!!!
adje nole!!!!!!!!!!
Thanks MA,those are good players to grind with for SERENA...hopefully she'll get a couple of wins!!!
Diane - fellow winner on the court - glad that you and Ruth had a great lunch , and have a chance to become closer
you two may just become the Southern version of me and Jenn !
'tapping foot at Jackie "
luv ya Jax !
HAHA, love you, too, Beth. I hope I don't disappoint.
beth! *waves madly*
we're all set for IW! tickets booked, hotel room booked, life is good! just a few short months away.... :)
Hey JB! Are you planning to attend Houston and/or Newport tournaments next year by chance?
YOU GUYS, DON'T LEAVE! DC up in, like, 10 minutes.
ah so everyone is here!
Hi all :)
Serena's official announcement and statement for return at Linz:
"Over the past many weeks I have been rehabbing my injury as best I could," Williams said in a statement. "While I was making great progress my doctor advised me that I was not fully healed and not yet ready to play. Just this week I thankfully received full clearance to play again and I'm excited to announce that I will be playing the Generali Ladies Linz this coming week, and assuming I stay healthy the year-end WTA Championships in Doha and Fed Cup. I'm excited to be back and want to thank my fans for their continued support.""
Arun! i owe you an email. :(
I don't think I'll go to houston; I always think I'll get to newport, but its right after wimby, and I've usually taken time off the previous weeks, and end up working the full week of newport.
sigh. work continues to interfer with my tennis life. :(
wait - are you thinking of roadtripping?
newport looks like it would be fun, it is after all, on grass. :)
houston would be more of a trek, that's for sure!
Thanks, jb.
I want to attend at least one of those tournaments next year. Most probably I will.
silly jax, stop talking at us and keep focused! :))))
jb!!!! waves back
yay ! for IW
so glad you are coming back
Susan , too ?
Hmm. That's not a bad idea actually. I can drive to Newport.
Isner is toast
"you two may just become the Southern version of me and Jenn !"
That's a real possibility, beth, and, like you, Diane will have to be the playa (tennis, this) in this duo! She had a fantastic win yesterday, and we had a terrific lunch today -- good food (including mini-desserts which all restaurants should offer IMHO)and good conversation. We did limit ourselves to one drink so that Glenn wouldn't have to come and drive us to our separate abodes. :-)
yep beth - susan too! we do like our tennis in the desert. :) there till tues, thinking about red eye back on tues nite. we'll see... :)
oof. am just pooped tonite, been out most of the week, and then up till a riddikulus hour watching RAndy and Monfils. (Monfils is an eyesore, just sayin'...)
arun, just keep me posted on the potential newport roadtrip, 'kay?!
er - i know i'm being lazy, but does anyone know when nole / isner will go on? contemplating a nap so i can watch it...
Ruth - that 's great . So glad you had fun
and exercised good judgment , too
smart ladies :)
I heard that Diane won her match yesterday , too - so we both had good weeks on the court
I hope it can continue
DEUCE CLUB POSTED. Thanks for your patience, guys.
Now to find a photo...
great news that Susan is coming , too
her husband is one understanding man
course , I guess he does come on some of these tennis adventures
I don't think he came to the desert though
This year , we need to make it to the Cliff House for dinner as a group
it is really good food
I am leaving Wednesday morning - at least that is my plan ,
and yes - Monfils and his new bizarro hairdo/ headband has been discussed around these parts
I will, jb.
beth - i'd like to go to cliff house again, we made it there later in the week, when the tennis died down a bit. it was very good, though we terrorized the manager trying to find a good bottle of vino. the wine guy was off for the nite, and the poor manager was doing his best, lol! but it was ok, at least we did final settle on one. (or 2, now that i think of it...)
oops. OT. off to DC whilst I'm still awake.
Good luck Izzy! It would be your biggest win rankings wise.
Thanks for the write up Pete. Love John, hopeing for great career for him. Watching Atlanta this summer, I believe Cliff Drysdale was breaking down Izzy's serve showing how he could easy get to 150+ mph serves with work.
I figured people would be here for the match Pete has written about - guess I'm still looking. Isner lucked out by starting the match with a break of Nole's serve. But now it's 3-all.
He's kinda crap at net; Novak just has to draw him in and then dole out one of his laser passers.
Nadal and Troicki played a great match... I'm a big Nadal fan but this was not his match to win... Troicki played the best match of his life and plainly outplayed Nadal...and got screwed by idiot linesmen... what's up with Japanese lack of precision??? it also made me see the monkey in Nadal...
he's very sensitive otherwise... this was not the match that would make his late season renaissance valid...
this was beyond ugly for him... don't care for Troicki much over the season ... but for me... he won that match...
this was just stupid.... congrats troicki for playing lights out... you won!
Djoker made "short" work of the Pillsbury Dough-giant. Isner is nothing more than a serve. He may move better and have better groundies than Karlovic, but at the end of the day he and Querrey are nothing more than a pale, poor facsimile of Sampras's big serve game with little else after it.
Well, I did see 6:2 in the second set....and a shade of panic on Isner's face, YIPEEEEEE!
Isner is nothing but serve and thats it. He may win lower tier event tournaments but he will never win a tier 1 masters let along a slam. Why do you think that match in Wimbledon went so long? Its because his return game sucks. Isner is another Todd Martin only a little taller, hovering in the top 20s maybe make a quarter in a slam but never going to amount to anything but perhaps being a tv commentator. Just ask Justin Gimelstob...
Or maybe it is that Nole is just too good for Isner? Novak is going to win Beijing and then he'll dominate the end of the season like he did last year, he is in that great form again, i can see it.
And Bodo, that 6-2 second set just about answered your overhype of Isner.
Although I am an American, Isner is not the next big thing for American tennis.
Big, yes. Grand Slam, no.
I do not understand why Americans tennis players and somehow, American media is bent on hyping Isner and Querry in having chances with the group of Nadal, Djok and Murray when they could have easily should be concentrating on making a name for themselves easily by beating a more vulnerable, aging Roger Federer.
Start with Roger, before you move on to the caliber of Nadal. That is how you slowly ease your way in into the rankings.
Against Djok? Against Nadal?
This is what is wrong with the international group of young players. They do not go for the OLD, AGING players like Roger, Davy, etc. when realistically, they have more chances at winning there than taking on powerhouses like Nadal. These other young players are just ... slow.
I don't think the "American Media" overhype Isner and Querrey. They almost always say they have to play their very best to upset the top stars. There is nothing wrong with supporting the home countries players. Personally I hope Sam and John use the rest of the season to cement their standings. Then come the off season work hard on their games to make it to the top 10 by then end of 2011.
Lol, I set an alarm so I wouldn't miss this one too. I agree, I think Nole does well against those big guys.


text:
Professional Community for Car Dealers, Marketing, Advertising and Sales Leaders
Attention Nissan Dealers
Nissan is rolling out a digital signage package for it's dealerships and the articles insinuate that it is mandatory for stores at a certain level of production. The cost of the system is $6500 for the first year on a three year agreement. For this price, you get a TV and a digital menu board that simply shows a menu and not much else.
If you want additional systems, you can add more -- at the same price -- with the additional systems being a slideshow. Yes -- a slideshow. If you wanted a slideshow, you could use PowerPoint!
Comparable systems in the marketplace run about $1200 per year and you can use your existing TV. If a dealer would like to purchase their own TV, it would cost around $500 with installation running around $200 for a total of $1900.
That's a savings of $4600! It's a saving of over $5300 if you already have a TV.
What could you do with $4600?
Maybe put up 3 more systems?
The company representatives tout the benefits of professional grade screens like it's the 90's. Current LED TV's are brighter, thinner and will last just as long as a professional grade screen. And even if they only last a year, the discrepancy in purchase price means you can still buy a new TV a year and spend half of what the company is charging.
In our research we found the Field Operations Managers (FOM) have approved alternatives put in by customers who see that a $4600 additional expenditure isn't fair. If your experience is similar, please post below. It is important that dealers have a choice in how much they spend on programs and allow the free market to determine how much programs cost.
As OEM's are rolling out digital signage packages, many are not mandatory. They simply want dealers to upgrade their slider pricing and light boxes with something more advanced. If you have your own -- you will most likely get approval -- and they may even co-op the purchase.
Before signing a long-term, costly agreement with the OEM's Provider, consider the options and check with your FOM to get approval.
Todd Katcher is the Managing Director of the Digital Dealerships System, the Premier Digital Signage Solution for the Auto Industry. http://www.digitaldealershipsystem.com
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subset: commoncrawl


text:
Identity area
Reference code
- n.d. (Creation)
Level of description
Extent and medium
1 cm, 1 folder
Context area
Name of creator
Archival history
Immediate source of acquisition or transfer
Content and structure area
Scope and content
Folder numbered 3 and titled 'Hippopotamus, Horse and Chariot, Lion, Monkey, Bats, Cheetah, Hyena, Bear, Jerboa, Porcupine, Deer, Ostrich' containing five handbound notebooks titled 'Hippopotamus', 'Horse and Chariot', 'Lion', 'Monkey, Bats, Cheetah, Hyaena, Bear, Jerboa, Porcupine, Deer' and 'Ostrich'.
Notebook titled 'Hippopotamus' contains typed notes and draft on the hippopotamus.
Notebook titled 'Horse and Chariot' contains notes on the horse and the chariot including their introduction into Egypt, early references to them, representations in art, as well as notes on mules and charioteers. Also includes:
-Cutting of an image of a side of a painted box from the tomb of Tutankhamen showing Tutankhamen in a chariot (Cairo Museum, JE 61467)
-Cuttings of images of the interior and exterior of a chariot of Tuthmosis IV (Cairo Museum, JE 46097)
Notebook titled 'Lion' contains notes on lions including hunting lions, references to and representations of lions, their distribution and behavior. Also includes cutting of an image of a side of a painted box from the tomb of Tutankhamen showing Tutankhamen shooting lions from his chariot (Cairo Museum, JE 61467).
Notebook titled 'Monkey, Bats, Cheetah, Hyaena, Bear, Jerboa, Porcupine, Deer' includes:
-Notes on different species of baboon and monkey including cutting of drawings of two baboon-shaped objects
-Notes on the bat
-Notes on the cheetah including photograph of Newberry with a cheetah
-Notes on the jerboa
-Notes on references to the hyena
-Notes on references to the bear
-Notes on references to the porcupine including cutting of a porcupine inscription (Egyptian Museum of Berlin, 1132)
-Draft on the fallow deer including tracing and drawings
Notebook titled 'Ostrich' includes notes on the ostrich including their distribution and on ostrich feathers worn in the hair. Also includes:
-Cuttings from The Illustrated London News of a fan made out of ostrich feathers and fan handle found in the tomb of Tutankhamun, 22 January 1927 (TopBib i2.583 [242])
This folder was previously in a box labelled, during previous archival processing, 'Flora and Fauna 2'.


text:
Utah Administrative Code
The Utah Administrative Code is the body of all effective administrative rules as compiled and organized by the Division of Administrative Rules (see Subsection 63G-3-102(5); see also Sections 63G-3-701 and 702).
NOTE: For a list of rules that have been made effective since January 1, 2020, please see the codification segue page.
NOTE TO RULEFILING AGENCIES: Use the RTF version for submitting rule changes.
R590. Insurance, Administration.
Rule R590-219. Credit Scoring.
As in effect on January 1, 2020
Table of Contents
- R590-219-1. Authority.
- R590-219-2. Scope and Purpose.
- R590-219-3. Definitions.
- R590-219-4. Insurer's Obligation If Credit Information Is Used.
- R590-219-5. Prohibited Uses of Credit Information.
- R590-219-6. Offer of Placement.
- R590-219-7. Enforcement Date.
- R590-219-8. Severability.
- Date of Enactment or Last Substantive Amendment
- Notice of Continuation
- Authorizing, Implemented, or Interpreted Law
R590-219-1. Authority.
This rule is promulgated pursuant to Subsection 31A-2-201(3)(a) in which the commissioner may make rules to implement the provisions of this title. Also, specific authority is provided in Subsection 31A-22-320(3) to enforce the provisions of Section 31A-22-320.
R590-219-2. Scope and Purpose.
This rule sets forth minimum standards for all property and casualty insurers doing private passenger automobile business in Utah that use credit history or an insurance score as part of their underwriting criteria or rating plans.
R590-219-3. Definitions.
In addition to the definitions in Section 31A-1-301 and 31A-22-320, the following definition shall apply for the purposes of this rule:
(1)(a) "Initial underwriting" shall include:
(i)deciding whether or not to issue a policy to the consumer;
(ii) the amount and terms of the coverage;
(iii) the duration of the policy;
(iv) the rates or fees charged; and
(v) those additional drivers related to the named insured or spouse by blood, marriage, adoption, or guardianship who were emancipated prior to becoming an additional driver in the named insured's household.
(b) "Initial underwriting" shall not include additional vehicles or drivers added to the household of a current auto insurance policyholder of the insurer, provided:
(i) the additional vehicle is owned by the named insured, spouse or persons related to the named insured by blood, marriage, adoption, or guardianship that are residents of the named insured's household;
(ii) the additional driver is related to the named insured or spouse by blood, marriage, adoption, or guardianship and is a resident of the named insured's household, including those who usually make their home in the same household but temporarily live elsewhere.
(iii) a divorced spouse or child where an insurer has a record of the driving history from an existing policy.
(2) "Adverse action" shall have the same meaning as defined in the Fair Credit Reporting Act, 15 U.S.C. sec.1681 et seq. An adverse action includes the following:
(a) cancellation, denial or non-renewal of insurance coverage;
(b) charging a higher premium than would have been offered if the credit history or credit score had been more favorable, whether the charge is by:
(i) application of a rating rule;
(ii) assignment to a rating category within a single insurer, into which insureds with substantially like risk or exposure factors and expense elements are placed for purposes of determining rate or premium, that does not have the lowest available rates;
(iii) placement with an affiliate insurer that does not offer the lowest rates available to the consumer within the affiliate group of insurers; or
(iv) a reduction or an adverse or unfavorable change in the terms of coverage or amount of insurance owing to a consumer's credit history or insurance score.
(c) A reduction or an adverse or unfavorable change in the terms of coverage occurs when:
(i) coverage provided to the consumer is not as broad in scope as coverage requested by the consumer but available to other insureds of the insurer or any affiliate; or
(ii) the consumer is not eligible for benefits such as dividends that are available through affiliate insurers.
R590-219-4. Insurer's Obligation If Credit Information Is Used.
(1) An insurer must comply with all notification requirements of the federal Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. If any adverse action is taken, the insurance company must provide to the applicant or insured:
(a) the identity, telephone number, and address of any consumer-reporting agency from which a credit report was obtained;
(b) notification of the applicant's or insured's right to receive a free copy of their credit report from the consumer reporting agency for a period of 60 days from the date of application; and
(c) notification of the applicant's or insured's right to lodge a dispute with the consumer-reporting agency and have erroneous information corrected in accordance with the Fair Credit Reporting Act.
(2) After an adverse action is taken, if it is later determined that the initial information in the credit report was incorrect, the insurance company, at the request of the applicant or insured, shall underwrite or rate the policy again using the correct information. If the insurer determines that the insured has overpaid premium, the insurer shall refund to the insured the amount of overpayment calculated back to the shorter of either the last 12 months of coverage or the actual policy period.
(3) An insurer shall establish procedures that allow consumers or their insurance producers to request that a person's credit history or score be re-examined if a correction has been made to the consumer's credit report.
(4) An insurer shall refrain from penalizing consumers on new and renewal policies issued on or after the effective date of this rule based on identity theft; credit inquiries not initiated by the consumer; insurance-related inquiries; medical related collection accounts, if the information can be identified on a credit report; and multiple lender inquiries, if captured on a credit report as being from the home mortgage industry and made within a 30 day period, unless only one inquiry is considered.
R590-219-5. Prohibited Uses of Credit Information.
Insurers may not use credit information:
(1) to cancel or non-renew any private passenger auto insurance policy that has been in effect for 60 days or more;
(2) for initial underwriting, unless risk related factors, other than credit information, are considered;
(3) to determine rates as part of a filed rating plan for private passenger auto insurance, except to provide a premium discount or similar reduction in rates and, when an insurer issues a new or renewal policy on or after the effective date of this rule with a discount based on credit, that discount shall not be removed or reduced based on credit information only;
(4) to cancel or non-renew an existing private passenger auto insurance policy which has been in effect for 60 days or more, nor decline or refuse to issue a new policy or coverage for an additional vehicle owned by the named insured or persons related to the named insured by blood, marriage, adoption, or guardianship who are residents of the named insured's household; or
(5) to cancel or non-renew an existing private passenger auto insurance policy which has been in effect for 60 days or more when adding a newly licensed driver who is related to the named insured by blood marriage, adoption, or guardianship, and continues to be a resident of the named insured's household.
R590-219-6. Offer of Placement.
An offer of placement with an affiliated insurance company is not considered a cancellation, non-renewal, declination, or refusal to issue a policy.
R590-219-7. Enforcement Date.
The commissioner will begin enforcing the provisions of this rule 45 days from the rule's effective date.
R590-219-8. Severability.
If any provision or clause of this rule or its application to any person or situation is held invalid, such invalidity shall not affect any other provision or application of this rule which can be given effect without the invalid provision or application, and to this end the provisions of this rule are declared to be severable.
insurance, credit scoring
Date of Enactment or Last Substantive Amendment
June 13, 2003
Notice of Continuation
May 4, 2018
Authorizing, Implemented, or Interpreted Law
Additional Information
For questions regarding the content or application of rules under Title R590, please contact the promulgating agency (Insurance, Administration). A list of agencies with links to their homepages is available at http://www.utah.gov/government/agencylist.html or from http://www.rules.utah.gov/contact/agencycontacts.htm.


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Hey Melbourne Uni Students,Has anyone done Ancient Greek for arts or breadth I would like a review please? I have a Greek background but not fluent in any way. Is it similar to Modern Greek in any way?
Could someone please write a review of BCMB30010 Advanced techniques in molecular science? (the previous review has gone missing)
XD very funny Mr T-Rav!challenging as in you have to put a lot of work into it, or difficult to understand? I'm majoring in physiology but thinking about doing BCMB30010 because i have an empty slot and did biochem and BCMB20005 (i haven't done any of the level 2 subjects for any other majors besides physiology and human structure - so I'm a bit worried about doing e.g. level 3 neuroscience when i haven't done any similar subjects in the past
Anyone with experience of 2nd/3rd yr history subjects could you please msg me? (:


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Sara Brickman is an author, performer, and activist from Ann Arbor, MI. Named the 2014 Ken Warfel Fellow by the Whatcom Poetry Association, Sara is the winner of the Split This Rock Abortion Rights poetry contest, the recipient of a grant from 4Culture, and has attended the Breadloaf Writers Conference and TILL Writers Convergence. An Artist Trust EDGE fellow, her work has been published or is forthcoming in Bestiary, Hoarse, The New, Alight, Courage: Daring Poems for Gutsy Girls, and more. A teacher with Writers in the Schools and the 2013 Rain City Women of the World Slam Champion, Sara has performed her work at venues across North America. In 2010 she founded a multimedia reading series in her living room called The Hootenanny, to showcase groundbreaking writers and performers. She lives and writes in Seattle, WA.
To book Sara for a performance or workshop, email email@example.com


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Review: Even A Stone
Even a Stone
A Short Story
By Jane Lebak
Originally published in Dragons, Knights and Angels magazine, Even A Stone sees a chance meeting change Sir Charles' entire life, and an angel may learn whether even a stone warms up if you sit on it.
Download from Amazon (Free at time of posting)
My review
This surprised me. I admit, I just started reading it because "dragons" but it definitely got some consistent laughs and was heartwarming in places. It has a quirky, clever style.
Plus Dragons.
Definitely recommended. I'm going to be checking out Lebak's longer fiction next.


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If your XBOX360 is giving errors reading disks or crashing when games are loading then you may be able to repair it yourself using the pot teak method. Team Xcuter have an excellent write up on adjusting the pots on your DVD drive. I would highly recommend that you buy a case opening tool, they are easy to find online with ebay being a great source. Most come as a kit with an allen key that fits the screws on the case.
You will also need a multi-meter as recommended in the article and a small flat head screwdriver to adjust the pot. http://team-xecuter.com/forums/showthread.php/61768-Disc-Read-problems-How-to-POT-Tweak-Xbox-360-DVD-Laser
Laser replacement
Eventually the laser does burn out and you will start having disk read errors again. All is not lost though as lasers are easily available online.
I purchased mine from ebay although there appears to be some debate over the quality. I purchased mine from a seller with good feedback and it works very well. To replace the laser you need to open the XBOX360 again and remove the DVD drive. The DVD drive itself the needs to be disassembled and the laser removed. It is a fiddly job but it is not difficult. One point to not is new lasers have a short in their circuit to protect them from static. This needs to be removed before the laser will work. You will need a soldering iron and desoldering pump for this.
There are two good guides on opening the XBOX and the drive here


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When You Celebrate Two Independence Days
I have lived in Guatemala for 4 years now. And every year around 4th of July a wave of homesickness rolls over me. I know myself well enough, that now I can kind of anticipate it, but I can't make it go away. Funny how emotions work like that, huh? I have always loved the 4thRead more


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NEBOSH International Technical Certification in Oil & Gas Operational Safety – PASTI JALAN
NEBOSH International Technical Certification in Oil & Gas Operational Safety
Bali | December 14 – 19, 2015 | USD $ 2169
This NEBOSH Oil and Gas Operational Safety course is a professional qualification that allows individuals to gain a good grounding according to the operational safety requirements in the oil and gas environment, both onshore and offshore. It is developed to meet the growing requirements for formal training and certification.
Who should attend?
The course is designed for people such as managers, supervisors, employee representatives, health and safety counselors who needs to ensure and understand safety in the working environment.
What are the benefits?
This NEBOSH Oil and Gas Certificate has been professionally structured as a competency development course for personnel working in the safety industry, equipping them with vital specialized safety training and know-how. By implementing effective process safety management across all areas of operations to reduce accidents and achieve cost savings for the business.
NEBOSH International Certification in Oil & Gas Operational Safety Course Content
The contents of this course are covered in FIVE elements :-
ELEMENT 1: Health, Safety and environmental management in context
- Learning from Incidents
- Hazards inherent in oil and gas
- Risk Management Techniques used in the oil and gas industriesSafety cases and safety reports
ELEMENT 2: Hydrocarbon process safety 1
- Contractor management
- Process Safety Management (PSM)
- Role and Purpose of a permit-to-work system
- Key principles of shift handover
- Plant operations and maintenance
ELEMENT 3: Hydrocarbon process safety 2
- Failure modes
- Safety critical equipment controls
- Safe storage of hydrocarbons
- Furnace and boiler operations
ELEMENT 4: Fire protection and emergency response
- Fire and explosion risk in the oil and gas industries
- Emergency Response
ELEMENT 5: Logistics and Transport operations
- Marine Transport
- Land Transport
- Desember 14 – 19, 2015 at Bali
- USD $1999.00 (Course Fees) + USD $0.00 (Registration Fees) + USD $170.00 (Exam Fees) = USD $ 2169.00
- Exclude tax 10%
- We now accept credit cards
The Fee Includes:
- Lunch, 2 x Coffee and snacks each day
- Study Book for the NEBOSH International Technical Certification in Oil and Gas Operational Safety Guide
- Course Workbook
- NEBOSH registration & Examination fee
The Fee Excludes:
Hotel accomodation,


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First of all, the suit doesn't really appear to be tan. Some are saying the suit is beige.We think of it as gray.
Anyway, the suit dominated the conversation around the president's news conference. The suit also invoked a lot of tongue-in-cheek ribbing on the Internet.
The report at the link below says "you can tell that it is August because there is a backlash to the backlash to a suit."
The suit itself is really not that bad. The problem is the suit is still empty. Color can't change that.


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Portlaoise primed for pivotal local derby
Portlaoise AFC could take a big step towards the top of the Leinster Senior League Major Division Sunday table this Friday when they make the short trip down the N80 to play Tullamore Town.
Both sides are right in the shake up with Portlaoise currently second in the division, one point ahead of Tullamore.
However the Offaly side have a game in hand making this game all the more important for Greg O'Dowd's Portlaoise side.
The sides met early in the season in Rossleighan Park where Tullamore Town left wiht a 1-0 win. Portlaoise will be looking to avenge that result this Friday evening in Leah Victoria Park in Tullamore where the game kicks off at 7.45pm.
Portlaoise come into the game of f the back of consecutive wins over Glenmore/Eblana and CYM Terenure. Tullamore were held to a scoreless draw by Terenure.
Both sides will be desperate for the win to keep the pressure on leaders Liffey Wanderers who have won nine from nine in the league.
See page 75 for more


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I think that the ideas proposed in the blog will hopefully eliminate the coment is here that need for parents to overcompensate for what their child can actually do


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watch 01:51
The Loop (TV)
Do you like this video?
|This article is about a/an comparison of characters in the Super Sentai and Power Rangers franchises.
This page highlights the differences between Raging Knight Dogold and Fury.
|Raging Knight Dogold
|Dogold is an elite knight of the Deboth Army, subordinate of Chaos and commander of Anger.
|Fury is one of Sledge's four generals and indirectly leads the rest of his monsterly crew.
|Dogold was explicitly representing the emotion of Anger, as his task was to teach Deboth about said emotion, strengthening Deboth in the process.
|Despite being named after a form of anger, Fury does not represent any emotion as that aspect was dropped in Power Rangers.
|Has the ability to create monsters that are able to make their victims extremely angry. Said anger would be absorbed into Deboth itself to strengthen him.
|Has no ability to create monsters, as the monsters are captured criminals.
|Dogold was a native of Earth; his true identity is that of a sentient set of armor that has taken multiple hosts to retain his physical appearances. He had ensnared Utsusemimaru prior to the series' start, and after losing him, relies on Cambrima hosts that burn out after about a month,
|Fury is a living alien in all respects. Though able to absorb victims such as Ivan, he is not dependant on a host and does not absorb anyone after losing Ivan.
|Dogold is just a Knight of the army and is the same rank as Aigaron and Candelilla, thus higher than Luckyuro.
|Fury is Sledge's second-in-command, ranking higher than Wrench, Poisandra, and Curio.
|Dogold had gained a fur collar from absorbing Cambrimas on a monthly basis.
|Fury gained a fur collar through his slow aging, which disappeared during the time he imprisoned Ivan.
|Dogold has held a grudge against Utsusemimaru and then later Chaos due to betraying him.
|Fury has held a grudge against Keeper for millions of years that still persists to present day.
|Had been on Earth since the Sengoku era.
|Fury was tricked by Keeper into bringing a bomb onto Sledge's ship, thus trapping him on Earth for sixty-five million years until Sledge and the rest of his army return to Earth.
|Dogold had a long connection with Utsusemimaru, due to imprisoning him inside of his armor-like body for many centuries.
He was never related to Dantetsu Kiryu's disappearance.
|Fury is suspected to be culprit of James Navarro's disappearance.
Fury is revealed to have absorbed Sir Ivan into his body and pursued James.
|Dogold had obtained the corrupted Zyudenchi of Zyudenryu Pteragordon from Hundred-Faced High Priest Chaos.
|Fury obtained the Ptera Charger after he stole the E-Tracer from Poisandra, before Chase destroyed it. He nevertheless managed to learned the coordinates of the Ptera Zord itself.
|Dogold betrayed and possessed Resentful Knight Endolf at the end of Brave 29: Great Clash! Carnival Dances
|Fury never betrayed or absorbed Singe at the end of Forged Under Fire, he was just simply locked in a cell by Heckyl along with Singe to solve their differences.
|Did not work for Neo-Geildon.
|He and the rest of Sledge's Crew were forced to work for Heckyl/Snide.
|He did not oppose Chaos or Deboth.
|He first fought Lord Arcanon and his two generals before the dark lord defeated Heckyl and took over all of the crew members and outlaws alike.
|Turned to the side of good briefly before his death.
|Remained evil until death.
|Mortally wounded while defeating Endolf in their final battle, he allowed Utsusemimaru to kill him off so it would not be Endolf who had caused his death.
|He was sucked by a black hole with the rest of Sledge's Crew in the former Timeline, some time after Singe's destruction. He is then finally blown up along with Curio, Wrench, Poisandra and Sledge offscreen when Koda leaves a bomb on the Warrior Dome.
He was blown up by Keeper's bomb in the New Timeline.
Community content is available under CC-BY-SA unless otherwise noted.


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Which Best Describes You?
Recruit new members. Reap the Rewards!
Serves as a liaison between the Associate Members and the Regional Conference Program Committee. The two Associate Member Liaisons to the RCPC will serve alternating two year terms.
● Assists with the recruitment efforts during the conference of potential school and associate members. ● Coordinates and runs the Associate Member Orientation at the regional conference. ● Maintains proper records according to regional and national policies. ● Submits at least one educational program proposal for the regional conference by the deadline. ● Attends all regularly scheduled regional meetings & conference calls. ● Attend calls of the Associate Advisory Group. ● Work with the other Associate Member Liaison and the Regional Volunteer Development Coordinator to facilitate the selection process at the Regional Conference. ● Maintains a thorough knowledge and understanding of, and ensures adherence to NACA policies and procedures, as well as other applicable laws and regulations. ● Integrates NACA goals, initiatives, and relevant strategic plan objectives in all aspects of position responsibilities. ● Follows NACA's Non-Discrimination, Diversity Advancement and Affirmative Action Principles to recommend others to fill available positions in the NACA leadership and takes the necessary steps to achieve a diverse Association both through the recruitment of volunteers and suggesting to the Board of Directors new or modified programs and services for the Association's members. ● Additional responsibilities as assigned and agreed upon with volunteer supervisor.
● Must have a minimum of two years professional experience in NACA; at least one of these years as an associate member. ● Must have attended at least one regional conference and one National Convention or two regional conferences as an associate member prior to submission of application. ● Must be national associate members in good standing with the Association. This membership must be maintained throughout their term on the Regional Conference Program Committee.
Conference Chair and NACA Office will confirm level of support for preconference planning meetings.
Term of service will begin December 1 following the Fall regional conference where selected and will end November 30, two years later. For Northern Plains, term will begin May 1 following the Spring regional conference through April 30, two years later. If there is a vacancy, an appointment will be made as outlined in the selection process to fill the vacated term.
Regional Conference Program Chairperson and Associate Advisory Group Co-facilitators
Associate Services Manager
The National Association for Campus Activities (NACA) is the recognized leader in higher education providing knowledge, ideas and resources for campus life.
© 2020 National Association for Campus Activities | All Rights Reserved


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Model #:WW00145
Shady Spiders Window Poster
The coolest new Halloween idea in years!
Translucent, indoor WOW Window posters that easily hang over your window and can be illuminated from the back with a simple lamp for a fantastic Halloween look. Each translucent poster measures approximately 36" wide x 60" tall, but can be trimmed to fit your window. There are two panels per package and removable adhesive squares are included for easy hanging.


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Gallbladder research studies are shown and also alternate lipid-lowering therapy must be taken into consideration [cholelithiasis is believed in an individual getting Zetia and also fenofibrate view Adverse Reactions (6.1) and the item labeling for fenofibrate]
Concomitant cholestyramine management lowered the mean location under the curve (AUC) of complete ezetimibe approximately 55 %. The step-by-step LDL-C decrease because of including ezetimibe to cholestyramine could be minimized by this communication.
There are no sufficient and well-controlled studies of ezetimibe in expectant ladies. If the possible perk validates the risk to the unborn child, ezetimibe should be made use of throughout pregnancy only.
In dental (gavage) embryo-fetal advancement researches of ezetimibe carried out in rats and bunnies during organogenesis, there was no evidence of embryolethal results at the doses examined (250, 500, 1000 mg/kg/day). In rats, boosted incidences of common fetal skeletal searchings for (extra set of thoracic ribs, unossified cervical vertebral centra, minimized ribs) were noted at 1000 mg/kg/day (~ 10 × the human direct exposure at 10 mg daily based on AUC0-- 24hr for complete ezetimibe). In rabbits treated regarding ezetimibe, a boosted incidence of extra thoracic ribs was noted at 1000 mg/kg/day (150 × the human direct exposure at 10 mg daily based on AUC0-- 24hr for complete ezetimibe). Ezetimibe went across the placenta when pregnant rats and bunnies were given several dental dosages.
Zetia 10 mg Price. Zetia 10 mg.


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Well, there's definitely a bug in Default Folder X 4.3.2. When running under Leopard and accessing SMB file servers, DFX will start consuming 20-60% of one CPU and will start to lag or become completely unresponsive. This may also affect Snow Leopard and / or other types of file servers besides SMB.
I've got a test build available with a fix:
If you're having any trouble with Default Folder X, please download and install it. It should fix your problems. If you run into any problems, please let me know as soon as possible at firstname.lastname@example.com.
Thanks, and I apologize for the bug (I'll post the gory details in a few minutes, since it's an interesting little 'gotcha' in the Launch Services API).


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Cafe Bello located on the ground floor of Burwood Westfield offered a wide range of foods from light meals, heavy fix through to desserts and cakes. I got the chance to try the place out for breakfast together with Mr.P and Mr.W. It was so hard looking for a breakfast place that opens on New years eve but thank God Cafe Bello is opened early in the morning.
We were greeted by a friendly smile and seated almost immediately. Flipping through the menu again and again cause they got a lot to choose from and it was always the hardest decision to make; which dish should I get, which one is popular, will that worth the price I pay, will the portion fill me up, etc!
So to make things easier, we ordered the drinks first. Mr.W ordered the Mocha Frappe - Fresh coffee and chocolate blended with ice cream and milk, a perfect drink to satisfied the thirst from the hot weather outside!
|Mocha Frappe $5.90
|Guava Juice $3.90
|Egg's Montreal $17.90
|Big Breakfast $20.90


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Friday, January 28, 2011
It's Day 2 of Teasers from My Favorite Things
So let's get to it so I can take a cold pill and go lay down! I've used two stamp sets from My Favorite Things here, but the new one ya'll are going to have a fit over is the new Twisted Foursome. It's another one of those hysterical collections of phrases and sentiments that say how you really feel and then tell it like it is. (For some reason, I now have Cyndi Lauper's True Colors song floating in my head.)
The other set I used is one of those cute Flapper Doodle sets called Cheers to a New Year. I used a few Die-namics dies as well--the Rolled Flower and Flower Trio (currently out of stock-sorry!). BUT the NEW one is that fabby, perfect, where-have-you-been-all-my-life scallop border called Simply Scallops. What's another word for perfect, because that's what it is but I already called it that?
I'm admittedly not a huge drinker. Oh yes, I had my day, but these days, I only like an occasional margarita on the rocks, or an icy beer with just the right hamburger. However, over the holidays, a bottle of wine was left at our house, just enough for two glasses--one for me and one for Eric. After the girls went to bed one night recently, we relaxed on the couch with our glasses and it was SO NICE!! So when I saw these sentiments from the Twisted Foursome set, they reminded me of that night (and that I need to buy another bottle of wine)!
Be sure and check out Kim's blog for a link list of all the design team girls who are showing off some new MFT for ya'll HERE!
SUSIE Q-TIP: When placing a longer sentiment stamp on your acrylic block, it's easiest just to lay the stamp ink side down on your work surface (but before you ink it, of course) and then place the block right on top. This keeps the stamp's shape and will keep the sentiment straight. Sometimes when you put a skinny stamp onto the block yourself, it gets wonky and curves as you stick it on there.
Stamps: Twisted Foursome, Cheers to a New Year Flapper Doodles (My Favorite Things)
Paper: Fossil, White, Sno Cone (MFT), Summertime (Echo Park)
Ink: Brilliance Graphite Black (Tsukineko)
Accessories: Simply Scallops, Rolled Flower, and Flower Trio Die-namics (MFT), Sewing Machine/Thread, Copic Markers, Silver Brads, White Grosgrain Ribbon, Jody Boosters
Finished Size: A2
39 comments:
What a great card for a girlfriend. The new twisted sentiments are fabulous.ReplyDelete
Cute card Susan! :-)ReplyDelete
What a perfect sentiment set; the ladies look like they're having a blast.ReplyDelete
These girls are cool! This is a great card! The inside is fabulous as well.ReplyDelete
party girls love it as we all know that girls just want to have fun lol got the song stuck in my head now he he he tfs such a fab card hugs jyane xxxReplyDelete
Love this and TOTALLY agree on the stamp Q-tip... I place mine on my grid cover thingie... SO much easier now if it's crooked its cuz I put it wonky on the paper... prolly on purpose cuz gee... why else would it be screwed up.... 8)ReplyDelete
Sandra ltb
Thank you thank you thank you! Being a new stamper I have been struggling with how to get the long sentiment stamps straight. Now I can stamp straight sentiments. I love your Suzy Q tips & humor. Very pretty card!ReplyDelete
Love how you combine colors on a card!! Don't have a twisted set but, it looks like I need one. Excellent pairing with the flapper doodles image!1ReplyDelete
OMG Love your card....Such pretty colours! Love the use of the sentiment with the image!ReplyDelete
- AnonymousJanuary 29, 2011 at 9:10:00 AM CST
Super cute card! Your choice of colors and paper make it so cheery!ReplyDelete
Love this sentiment! Great card - so much fun!ReplyDelete
adorable...and a perfect match of sentiment with image!!!ReplyDelete
absolutely love these sayings! feel better!hugs!ReplyDelete
- AnonymousJanuary 29, 2011 at 10:54:00 AM CST
OMG, those sentiments are calling me!!! I have to copy your card, hope that is ok!!! :)ReplyDelete
Great card Susie! Love these new sentiments! (and thanks for putting that song in MY head too! LOL). Hope you feel better real soon!ReplyDelete
I love these funny new sentiments and of course, I love your card! Great colors too!ReplyDelete
Cute cute cute, Sus! That's you, me & Jen at summer CHA, correct? :)ReplyDelete
Adorable card, the girls are having fun! Love those new twisted phrases and that rolled flower is awesome. Excellent work.ReplyDelete
goodness i couldn't agree more LOL! nothin' like a fun new twisted set!! adorable layout and i just love these party flapper doodles!!ReplyDelete
So cute and I just love that sentiment.ReplyDelete
Too cute for words!!!! Now I feel I HAVE to HAVE the sentiment as well as these cute gals!!!ReplyDelete
Love your colour combo and image placement. The twisted sentiments are always so funny...ReplyDelete
Cute! Love the colors! And your flower is adorable!ReplyDelete
Totally adorable!!ReplyDelete
how fun is this! love the fun saying with the cute image!ReplyDelete
Always love your "suzy-q" tips!ReplyDelete
How FUN is this!!!! I can't help thinking about Wendy though when I see the sentiment!! LOL!!!ReplyDelete
What a great card! This new stamp set is on the top of my list!ReplyDelete
those sentiments are a riotReplyDelete
So great! I have to have this set! Love your card and all that you've done.ReplyDelete
Cute card! love the sentiment!ReplyDelete
Both cards are so fun!!ReplyDelete
Cute cards!!! I can't wait - I LOVE the Twisted sets!!!ReplyDelete
That is adorable. Such a perfect sentiment for that image! Cute card!ReplyDelete
- AnonymousJanuary 31, 2011 at 9:26:00 PM CST
Love your tip for getting a long sentiment straight on the block. Ingenious! Thank you so much.ReplyDelete
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I started playing Lord of the Rings Online, or LOTRO, about nine months ago as part of an online course. Other than about three minutes (literally) of City of Heroes after spending hours designing my character, I had never played an MMO to that point. This post is about what I learned, geared towards first-time MMO players and beginning gamers, in hopes that others who want to try this as a first game will find play a bit more intuitive than I did. I may do future guides as well that are more specific to the game, and probably something about playing LOTRO as a Tolkien fan (which I could easily geek out about for an entire post).
What are the important traits of a LOTRO character?
When you start playing LOTRO, the character creation is fairly simple. You don't need to spend too much time on aesthetics—the important choices are your character's race and class. A word of caution that applies to other parts of the game as well (and probably other MMOs): don't focus too much on what "sounds cool" or appeals to your personality. Class, especially, can greatly affect how you play the game, so you may want to read up a bit on whom is able to do what before you choose.
On a similar note, especially if you care about the roleplaying aspect or the "massive" aspect (or conversely, if you have a slow computer), read up a bit on the servers before you choose. Your character lives on a server and you have to pay to switch. The game looks and plays the same on all servers, but server choice affects who else is there. You may want to find out where your friends are, research kinships (for example, I think the only big LGBT kinship is Knights of the White Lady on Landroval), or pick a server based on your desire to roleplay in character or speak a language other than English.
Don't focus too much on what "sounds cool" or appeals to your personality.
I'm on Imladris, a quiet server that works well for me because my early 2008 iMac can be a bit slow for games and I don't care for rolelplaying with strangers, but I ended up there by luck. You can create multiple characters on different servers, but in my experience as a beginner I spent enough time on the one character that I can't imagine creating another.
As for gameplay, and back to class, your play will be somewhat limited by a few things including your class (basically the type of character you are), the branch you choose in the traits tree, and your profession (related to crafting). I chose an Elf Minstrel, which I picked mostly because I'm a pacifist who likes the arts, but I still spend most of the game fighting. Game play just isn't that interesting if you try to spend all your time being non-violent. If you do want to be more of a support character, for example spending a lot of time crafting to create items for others in your fellowship or kinship to use and serving as a healer in battle, the Minstrel is a good choice but you probably want to be more of an extrovert.
I chose an Elf Minstrel, which I picked mostly because I'm a pacifist who likes the arts, but I still spend most of the game fighting. Game play just isn't that interesting if you try to spend all your time being non-violent.
As a solo player, it's mostly about killing people and creatures. Trait trees, a new feature since I started playing (and not one that I like), also have an effect on what skills you can use and what focus your character has. You have to pay to switch branches, so choose carefully. The Minstrel, for example, has two branch choices that are focused more on support and one focused more on solo fighting. I didn't realize when the trait trees debuted that I would actually lose skills, so I made a bad choice.
What Is LOTRO Gameplay Like?
So once you have a character (and there's a lot more to say about that, check out some guides to learn more) it's time to actually play the game. If you're a first time MMO player, you probably wonder what play is actually like.
I'm not sure how universal this is, but I found that a few things about LOTRO kept me coming back (I've played over 200 hours so far, probably more than I've ever spent on a single game, though I've stopped playing as actively since I started drafting this blog post due to the cost of buying more regions). First, I love the sense of exploration that the game provides. The art is gorgeous and realistic, and the map is as large as you might expect for a game set in Middle-Earth. That size can get annoying as you move through the levels and encounter destination quests, but at first it's pretty breathtaking. You get a real sense for Tolkien's world, which I'll talk more about in a future Tolkien-geekery post.
Beyond the simple act of exploring a beautiful world, you spend most of your time completing quests and fighting baddies. Quests are both the storyline of the game and the way to level up. There's something called the "epic storyline," a series of quests that track to The Lord of the Rings books, but there are also tons of other quest options. I may go more into quest strategy in a future guide, but one important note for a beginner is to understand that quests correspond to level. I was initially impatient to get to familiar areas such as Rivendell and Lothlorien, and didn't understand that ignoring the Shire and then leveling up in Bree meant I couldn't do anything upon return.
I was initially impatient to get to familiar areas such as Rivendell and Lothlorien, and didn't understand that ignoring the Shire and then leveling up in Bree meant I couldn't do anything upon return.
Though you can physically go back to a region, once you reach a certain level the remaining quests have fewer rewards and are less fun. Thus it makes sense to take your time in each region, poke around looking for quests, and use them to level up. If you keep moving and try harder quests, you may get frustrated quickly and enjoy the game less. I sometimes come back to a quest that felt hard at first, but since the rewards decline over time you shouldn't hold off more than a couple of levels to complete something.
Quests typically involve either running errands, participating in tangential parts of the game (such as crafting, hobbies, skirmishes), or fighting. You can do a lot of the fighting solo, though there are also many opportunities to find and play in fellowships (small groups of players who complete a quest together). I've focused mostly on solo quests. If you want to quest in a group, especially once you level up fairly high, I recommend reading a guide or two on general MMO strategy so that you understand the roles of different members of the group and why you should plan out a fellowship quest in advance.
The creators have tried to include a range of quest types, each of which appeal to different parts of your gaming personality. I'm not sure anyone really loves the quests that send you halfway across the map on an errand, but they're not so bad once you get a horse and they're often intended to help you find new areas of the map.
I'm not sure anyone really loves the quests that send you halfway across the map on an errand, but they're not so bad once you get a horse and they're often intended to help you find new areas of the map.
When you get up in level, you'll start seeing more and more annoying errand quests, though, where you go across the whole map and then realize it was just a trick to get you to buy a region. It's up to you whether to buy. I'll explain some of the issues with that choice in the next section. But either way, you may want to try to clump up a bunch of quests in the queue that are sending you to the same area and do them all at once, and/or find quests when you get there that will send you back.
Fighting is fairly self-explanatory, I think. Crafting can be fun, but its appeal is mainly in what value you get from what you make. You can find plenty of guides explaining how different crafting types help you in certain areas. Glorfindel, my Elf Minstrel, is a scholar. I've let him get pretty high up and am now doing Scholar's Guild tasks. It's fun to hunt for nodes and progress as a scholar, but I would have to pay more attention to strategy to use a lot of what I make and I'm not really in it for the gold.
How Long Does LOTRO Last?
Now for some drawbacks, or at least considerations as you dive into your first MMO. I was fairly impressed by how much I could do in this game for free, but there are limits. The gold I just mentioned, for example, isn't really my driving motivation because in order to get as much of it as I want to use, I'd have to spend Turbine Points. TP are basically the equivalent of real money. While you spend gold on things in the game, things that will improve your experience significantly (the ability to ride a horse, extra space in your inventory, more gold allowed, etc.) cost TP. You can get TP through deeds, which I've explored for a while and enjoyed as a side-activity to questing. But there's only so much you can get with deeds. The game gets pretty boring when you're doing nothing but trying to kill a fuckton of wolves, and that's where I find myself at Level 45, not having played in a month or two because I don't want to shell out seven bucks to buy Eregion.
Thus, I have some advice for a first-timer. Pace yourself. These games can be addictive, but they won't be this fun forever. Take your time exploring all there is to explore in the free areas of the map. Play the epic questline and a lot of side quests. Do deeds while you're already in a region and rack up your TP for a while, until you get to something that's really worth spending it on. Get to know the game before you decide what "worth it" actually means. I think the mount skill is definitely worth it, and it makes sense to buy more regions when you get to the point that you can't progress. However, buy wisely. Check out some game guides to figure out what regions will give you the most fun game time and get you the furthest in terms of levels. Don't be me, buying Rivendell because obviously Glorfindel should be hanging out there. Remember that the epic quest line will allow to progress along it for free.
Eventually, you probably will reach a point where you either put the game aside for a while, like me, or you pony up the money for more regions. Right now, I'm enjoying the free time I have that I'm not spending on gaming, but I expect I'll jump back in at some point and either buy the next region I want or (and this is another fun option you have) create a new character and try playing through the earlier levels with a different race and class, perhaps on a different server now that I've installed some more RAM.
Any questions? Leave a comment. Let me know if you play, especially if anyone is on Imladris server. Do you have tips for newbies, or is any of my advice a little off in your opinion? What other guides would you like to read? Let me know!


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Racing on Western Avenue Causes Accident
Joe Denoyer - January 16, 2017 9:59 am
On Saturday, January 14, 2017 at approximately 1:50 p.m., officers were dispatched to the intersection of 15th Street and Western Avenue for a report of an accident. It was reported that a vehicle had struck a pole and flipped onto its side.
Investigating officers discovered that a 1987 Chevrolet Blazer, driven by a 16 year old male, and a 1995 Chrysler LeBaron, also driven by a 16 year old male, were racing on Western Avenue. The driver of the Blazer lost control and struck a guide wire, causing the vehicle to flip onto its side. No injuries were reported.
The driver of the Blazer was issued citations for racing on highways and illegal tag. The driver of the LeBaron was issued a citation for racing on highways.


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May 2, 2017
UW Rome Center Instagram Photo Contest
The UWRC encourages you to participate in our May photo contest!
1. Snap a photo you during your study abroad in Italy
2. Follow @uwromecenter on Instagram
3. Post your photo to Instagram and tag #uwromecenter
4. Win dinner for two (€50 value) at Trattoria Moderna
UW's Global Campus Photo Contest Second Place WInner: "Storm in the Forum" by McKenzie Lancaster
Rules: Contest ends May 21st, and the winner will be announced May 22nd. Open to current UWRC students only. The Instagram photo with the most likes wins. Photo must capture a memorable aspect of your study abroad experience, and should inspire others to study abroad. Photo must be drug and alcohol-free, with no nudity or obscenity. Private accounts should be made public during the contest in order to be eligible to win. Photos submitted may be used later for UWRC promotional purposes. Per Instagram rules, we must mention this is in no way sponsored, administered, or associated with Instagram, Inc. By entering, entrants confirm they are 13+ years of age, release Instagram of responsibility, and agree to Instagram's term of use.


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Premier Play Updates: No Modern Pro Tours and Changes to Platinum
premier play Pro Tour Shadows over Innistrad
Wizards made two big (controversial) announcements regarding Premier Play for 2016 and 2017 at Pro Tour Shadows over Innistrad:
Modern Pro Tours Discontinued
We expected this change to be made eventually, but Wizards confirmed on stream that there will be no more Modern Pro Tours. Aaron Forsythe has on article on the mothership explaining the rationale behind the decision and their vision of Modern: Where Modern Goes from Here.
Changes to Hall of Fame and Platinum Appearance Fees
The next set of changes has been very controversial in the community, so much that Pro Tour Shadows over Innistrad itself has taken a back seat. Hall of Fame appearance fees have been reduced:
Hall of Famers will only receive an appearance fee of $1,500 for competing at the Pro Tour that features the Hall of Fame induction ceremony (previously $1,500 at all Pro Tours and the World Magic Cup)
In addition, Pro Platinum status had its benefits reconfigured:
The adjustments to the Platinum pro player appearance fees, effective after the conclusion of Pro Tour Eldritch Moon, are as follows:
Platinum pros will receive an appearance fee of $250 for competing at Pro Tours (previously $3,000), an appearance fee of $250 for competing at the World Magic Cup (previously $1,000), and an appearance fee of $250 for competing at a World Magic Cup Qualifier (previously $500).
The rationale behind these cut backs were to increase the World Magic Championship prize pools from $150,000 to $250,000 in 2016, and to $500,000 in 2017.
The twitter-verse exploded after these announcements and the response has been overall pretty negative. Check out tweets from some well-established pros below. The complaints include a violation of trust due to players grinding all year for Platinum status only to have benefits removed without warning, a decrease in pro compensation, an increased in variance and reliance on prize money, and disproportionately affecting international Magic pros who are required to travel more for play.


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We all know the importance of drinking an adequate amount of water for health and longevity, but how much is adequate? There are differing opinions on the subject which can become confusing at times.
In this post I will share what your daily water intake should be (in ounces), why it is so important and a few reasons why water and sufficient hydration is the main key to living a stress-free, disease-free lifestyle.
Recommended Daily Water Intake
Our body is made up of 75% water.
Water seems to be a very important piece for our body and critical to our overall well-being. It is the solvent of the body and a huge contributor to cellular health and the movement of important functions.
You should drink at least half of your body weight in ounces each day to supply your body with enough water to function at its highest levels and keep it properly hydrated.
At the absolute minimum you should drink 6-8 8 ounce glasses per day.
Example: If you weigh 200 pounds, you should drink 100 ounces per day.
If you weigh 120 pounds, you should drink 60 ounces every day.
Make sure also you are drinking purified water. Learn more about the dangers of tap water here.
*Another note to recognize is that alcohol, coffee or tea DO NOT count as water intake.*
Pretty simple to follow but it will work wonders for your physical health. Adequate water intake will always be the most important aspect of proper physical health and overall nutrition.
Important Benefits Water and Proper Hydration Offer The Body
Water continues to be the cheapest form of natural medicine for many types of disease, prevention of disease and for overall healthy maintenance of the physical body.
Some of the amazing benefits of proper hydration of the body include:
- Better performing and healthier cells (cellular nutrition is key to well-being)
- Increased and more effective metabolism which helps burns more calories and regulate important systems of the body
- Higher energy levels
- Better sleeping habits and more restful sleep
- Reduced stress due to the proper flow of and removal of toxins
- Sustaining weight-loss
- Helps build and re-fuel muscles after workouts
- Improved digestion and lesser stomach problems or pains
This information should be extremely helpful if you are wondering if you drink the right amount of water daily. Remember, half of your body weight in ounces is how much you should drink daily!
Beginning this habit can help so much in all the areas listed above. If you're just starting out on a new weight loss journey or on a specific health program, make sure first it stresses the importance of proper hydration and daily water intake! This should be a basic principle of any good weight loss plan or fitness regimen.


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Freestyle Metal X (PlayStation 2) review
"Freestyle Metal X or (FMX) as I will be referring to it as later, was quite a pleasant surprise purchase for me. After picking it up in the local bargain bin, and not expecting much out of it, I can definitely say that FMX is a hidden gem of a dirtbiking game. Operating much like the Tony Hawks Pro Skater series in a dirt bike fashion, FMX brings the solid dirt bike gameplay of racing, jumping, tricking, and listening to rock soundtracks to all of last generations systems. "
Community review by G_Dub (February 07, 2009)
A bio for this contributor is currently unavailable, but check back soon to see if that changes. If you are the author of this review, you can update your bio from the Settings page.
More Reviews by G_Dub [+]
If you enjoyed this Freestyle Metal X review, you're encouraged to discuss it with the author and with other members of the site's community. If you don't already have an HonestGamers account, you can sign up for one in a snap. Thank you for reading!
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Step by Step Flooring Guide
Take our step by step guide
,Are you considering new flooring for your home?
Just take the following steps
Step 1
Choose a sample:
- In-Store
- In the comfort of your own home
We give advice on flooring types, suitability, underlay and accessories.
Decide at your leisure!
Step 2
Arrange a Measure:
- FREE Service
- FREE Quotation
We will quote you a price within 4 days of our visit
Step 3
Place Your Order:
- Reserve your flooring
- Book a date to suit you
Step 4
Get it fitted:
- With our team of EXPERIENCED fitters
- Installation work guaranteed for 12 months
- Manufacturers guarantee on all products
We can supply your flooring with underlay and accessories to do the job yourself.
Cullingford carpets supply and install flooring for Kitchens, wet rooms and all types of commercial areas; this includes products such as Altro, Amtico, Karndean, Polyflor and Forbo-Nairn.
Vinyl flooring from Leonie, Novilon, Rhino-floor and Tarkett also wood flooring from many prominent manufacturers.
We will never leave anything to chance and as with all our installations we carry out a free on site survey, which will include measuring, sub floor DPM testing and any other requirement that may be necessary to ensure a trouble free installation.
Preparation is the key to making sure the flooring you have installed gives you many years of trouble free service and we pride ourselves on providing the information you require and all the latest industry requirements to make an informed decision when choosing your flooring.
We can also deliver straight to your door. Call us now on 01963 33574
Karndean Collection
Van Gogh
If you would like any more details, please call into our showroom in Wincanton, or contact us on 01963 33574
Gillingham, Dorset Branch: 01747 835 394


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Selling the American Muscle Car
As the muscle car wars developed in the early 1960s, auto manufacturers scrambled to find catchy marketing campaigns to entice the buying public into their dealerships. General Motors, Ford, and Chrysler, with all their divisions, as well as AMC and Studebaker, inevitably sank billions of dollars into one-upmanship in an effort to vie for the consumer's last dollar.
Automotive writer Diego Rosenberg examines the tactics and components used by manufacturers in waging war against one another in the muscle car era. Manufacturers poured millions into racing programs, operating under the principle of "Win on Sunday, Sell on Monday." Cars were given catchy nicknames, such as The GTO Judge, Plymouth Roadrunner, Cobra, and Dodge Super Bee. Entire manufacturer lines were given catchy marketing campaigns, such as Dodge's Scat Pack, AMC's Go Package, and Ford's Total Performance. From racing to commercials to print ads, from dealer showrooms to national auto shows, each manufacturer had its own approach in vying for the buyer's attention, and gimmicks and tactics ranged from comical to dead serious.
Selling the American Muscle Car: Marketing Detroit Iron in the 60s and 70s takes you back to an era when options were plentiful and performance was cheap. You will relive or be introduced to some of the cleverest marketing campaigns created during a time when America was changing every day.
UK £ 29.95 including p&p yes please
Europe £ 34.95 including airmail yes please


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I finally crossed one of the big items off the to-do short list I made for the home earlier this year. When some of my family came to visit in June, they brought power tools and helped around our home.
My stepdad, husband, and brother-in-law hung crown moulding in our dining room and kitchen. I really expected to have more of a hand in that, but the guys were doing such a great job, so my mom, sister and I worked on smaller projects: hemming curtains, re-painting wall art, and hanging pictures.
It was an enormous blessing and I really enjoyed having their company and assistance for a few looming projects.
This corner is my first or second favorite of the whole house. If you notice, I've even added a few more plates since last week.
The kitchen hasn't been seen on the blog in awhile. I think the last time was just after we painted the cabinets. Nothing has changed at all. Someday I won't have floor tiles as my backsplash, but this blog focuses on celebrating progress, not just completion.
I should have taken the time to pull the tripod out of the closet, so you don't get the vantage point of a 5'4″ woman. There really is about a foot between the cabinets and the ceiling. Next time.
This next shot makes the beige walls blare, but I haven't been inspired by any paint colors or wall coverings for this whack space where three rooms share walls.
I think this hallway is particularly camera shy, as it has never shown its face on the web, but it wears the chunky 5 1/4 inch crown moulding proudly.
Shhh! Don't tell my husband that now the baseboards have been crying out to compete…
Thanks for reading,
♥ Dominique


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Why not learn more about Automobiles?
The Best Benefits That One Can Get From Using Refrigerated Vans
There has been more and more small business these days that are making use of refrigerated vans and the reason behind that is because of the many advantages that you can get from it. For those of you out there who are reading this article and is starting to get interested in knowing the advantages that can be enjoyed from using refrigerated vans, then better keep on reading this article to further know about the details. First and foremost, refrigerated vans are vehicles that are being used in transporting perishable goods from one place to another. And the matter of fact is that it is very important, most especially on the part of businesses who involves transporting foods such as food services and the likes. And also, this is one of the reasons why they are very convenient and ideal for food businesses since it is a whole lot affordable compared to making use of regular shipment services as they are quite expensive. One of the many benefits that you can get from using refrigerated vans is that it has the ability of keeping the goods in their right temperature as well as time. In order to make sure that the goods that will be transported is handled properly, refrigerated vans typically involved workers that are qualified, containers that are unique, proper monitoring, as well as optimum temperature controls.
The other benefit and advantage that you can get from using refrigerated vans is that the van has the ability of transferring goods and services alike that are sensitive. If you are to choose for a refrigerated van that you will be using in your business, choose a good one that is capable of keeping the maximum temperature which is often needed in transporting goods all throughout the day. If you choose the best possible refrigerated van, you are guaranteed that it will give you good performance plus, it is also being bounded by time. Another benefit that you can enjoy coming from choosing a good refrigerated van to use is the fact that they are not delayed. Making use of refrigerated vans is also advantageous on your part since you will no longer experience any cancellations of whatsoever as you can now ensure that delivery will always be on time and the goods will be as fresh as it can be, particularly if you own the business. There are lots of refrigerated vans that you can find available in the market nowadays but, you need to make sure that the one you choose is being run by a professional hence, choose a company that is not only reputable, but is also capable of meeting all of your demands and your needs as well.
Reference: see this page


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If you're coming to visit Lisbon and want to take home your not-so-average souvenirs, then you need to visit the Feira da Ladra, Lisbon's Flea Market. Most people think it's named after thieves, but it's actually named after the ladro a bug that is found in old furniture. This is the place where you can find a spare charger for your phone, hand-made clothes, and gorgeous antiques. IT's been around since the 12th Century.
Feira da Ladra – Lisbon's Flea Market
Let me be honest, there's a lot of crap here, but there are plenty of beautiful things to purchase. It also makes a great excuse to visit the Alfama and the Pantheon. There's also a closed market where you can get a cheap and delicious meal while you take a rest from shopping.
Things You Can Buy at the Feira da Ladra
If you are moving to Lisbon and need to buy gorgeous dishes for your house, you can get some spectacular antique plates at the Feira da Ladra.
The Feira da Ladras is a place where you can get truly unique items like the collage bag above and a taxidermied fox.
If you're looking for music, there's plenty of it in all formats at the feira da ladras.
There are all kinds of flatware, stemware, and dishes at the feira da ladras.
You can really find tons of special things, even antique games and lamps.
The feira de ladras has both antique furniture sellers as well as shops from custom furniture makers. It's a great place if you're furnishing a new place.
If you are a coin enthusiast, there are plenty of merchants for you to see in Lisbon's flea market.
You can find all kinds of books, magazines, toys, and clothing too.
When: Tuesdays & Saturdays (usually starts around 6 am ends in the between 5 & 6 pm)
Where: Campo de Santa Clara in the Alfama, behind the National Pantheon.
How to Get There: Take the 28 tram


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The town's librarian, Emily Rosewood, along with her grumpy assistant will be a charming addition to any study room. The attention to detail and soft colors will make this masterpiece a favorite focal point for any book lover.
- Sharp tones and colors
- White border around edge for ease of matting
- Acid-free and fade resistant
- Printed on ultra premium paper
It was the town's inventor, Professor MacCrumb, who gifted Emily with a handy assistant. This mechanical owl does not take kindly to book tardiness, chewing with your mouth open and shuffling feet. Consider yourself forewarned if you choose to check out a book and not mind the due date. His unannounced visits have a reputation for tarnished egos and the occasional bruised shin.
To invite this beautiful fox into your home, click on the "Add to Cart" button below.


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| 6.7°C Dublin
THERE are no penalty points this month for calling them The Fuzz as more gardai than ever before take part in the charity fund-raising event, 'Movember'.
They are mixing their frontline work with raising awareness of men's health issues and particularly prostate cancer.
"My uncle was diagnosed with prostate cancer last year but has had his treatment and has got the all-clear – that was why I decided to get involved," explained garda Kevin Cleary, who currently sports a thriving moustache as he patrols the streets of Carlingford, Co Louth.
He is one of roughly 200 gardai around the country sporting three weeks' growth as they take part in the fund-raising effort.
Sgt Mick Kelly, a crime-scene examiner, said: "Our support also shows people we are more than just gardai at work and that we will get involved in the community."
Irish Independent


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Tick INsiders Application
Each year we seek highly motivated high school students (grades 9-12) with an interest in public health, infectious disease, entomology, and environmental science to join the Tick INsiders project in Spring-Summer.
To participate, please fill out the application below and watch the tick sampling videos. To watch the videos, click here.
As in 2018, qualifying applicants will also have the opportunity to visit campus in fall 2019 for a "Day on Campus" where they will meet the Tick INsiders team, tour facilities, and see science in action. This "science immersion" will provide students with an insight into sample and data analysis, and how their efforts have contributed to an understanding of tick-borne disease risk in Indiana. 2018 participants are strongly encouraged to apply.


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Does Wealthfront help clients report taxes?
Your tax documents are provided by the brokerage firm Wealthfront partners with to custody your assets. These documents can be found on your Taxes & Documents page.
See 'Which tax documents will I receive for my account?' to understand which documents to expect, and 'When will my tax documents be delivered?' to understand when.
Wealthfront does not provide individual tax advice, and you should consult your tax advisor regarding any questions you may have specific to your personal taxes and financial situation. Wealthfront assumes no responsibility to any client for the tax consequences of any transaction.
Wealthfront prepared this article for informational purposes and not as an offer, recommendation, or solicitation to buy or sell any security. Wealthfront and its affiliates may rely on information from various sources we believe to be reliable (including clients and other third parties), but cannot guarantee its accuracy or completeness. See our Full Disclosure for more important information.
Wealthfront and its affiliates do not provide tax advice and investors are encouraged to consult with their personal tax advisor. Financial advisory and planning services are only provided to investors who become clients by way of a written agreement. All investing involves risk, including the possible loss of money you invest. Past performance does not guarantee future performance.


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I feel that life is both joyful when free and miserable when burdened. Self is the factor. The burden of self, with all the thoughts and obsessions, blocks the beauty ever present when the self is not. I think there is good and bad intention, but any intention is of the self. The consequences of the intention may be difficult to bear. The world is as it is because of self. Capitalism, consumerism promote exploitation of resources and others. There seems to be a desparate climb to the top of the heap and then there is no love. Exploitation, competition are ever present and in that presence are the lies and the deceit of self-image.
Group dialogue opens many perspectives. It's very important in promoting thought.View all answers to this question
Sometimes, I would say yes, when I am calm. I can be very calm when reading and discussing the teachings. But, when I panic, I wonder what good have the teachings been.View all answers to this question
Perception of the moment may be the transformation. That may be accessible to all. Krishnamurti had an exceptional life, with extraordinary training in his early years. The intensity of that training may have fast-tracked him to the present moment without self, just pure observation.View all answers to this question
No, but maybe life would be easier if I had. I am very much my self with all the blockages one can imagine.View all answers to this question
Krishnamurti is the Open Door.View all answers to this question
Many other teachers are coming along with the same message and are much more concise and articulate. The message will continue perennially delivered through countless vehicles. Fewer and fewer people will be able to make a living of K's teachings.View all answers to this question
None of the teachings is implausible as long as they are perceptible.View all answers to this question
I prefer reading books as my personal study and then taking long walks through the mountains. Dialogues are also very important. to me.View all answers to this question
I have introduced Krishnamurti to some friends. Some have been quite taken with what he has to say. Others have has strong revulsion because of their religion.View all answers to this question
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Hi Zahira,
I am from Chennai, India. I have been interested in Krishnamurti's 'teachings' for many years. I read your note with interest. I wish to know about your interest in Krishnamurti.
Not a member yet? Create an Account


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Etude House - Big Cover Tip Concealer
What it is
A creamy, liquidconcealer that delivers the appearance of flawless skin all day long.
How to apply
Apply onto flawed or blemished skin areas after applying makeup base, foundation, or BB cream. Gently blend and tap with fingers to set in.
1. Use only as directed.
2. Avoid storing in high/low temperatures or in areas exposed to direct sunlight.
3. Stop using if it causes any allergic reaction or any problems arising..