text:
Affiliate Summit is one of the most highly anticipated industry events of the year and #ASW14 was a conference we won't soon forget. With thousands of affiliates, advertisers, publishers, and networks in attendance, TheMail was there front and center to report on the latest happenings from around the industry. For all of our exclusive #ASW14 coverage be sure to visit our Affiliate Summit hub right HERE.
In a recent interview from #ASW14 in Las Vegas, Monica Eaton from Chargebacks 911 chats with TheMail about managing chargebacks via her company Chargebacks 911.
To find out more, watch the full interview below:
These are some key takeaways from the video:
If you have any questions after watching the video, feel free to ask them in the comments section below! Please visit TheMail's YouTube page for more video interviews from Affiliate Summit West 2014.
For more performance marketing stories and exclusive content, make sure to like TheMail on Facebook, follow on Twitter, subscribe on YouTube, and sign up for our Email newsletter.

subset: commoncrawl


text:
As a first-generation college student, Sara Diaz admits to having no idea about money and finances when she graduated from high school in 2007.
"I thought, 'Wow, free money,' " she recalled Monday.
But six years later, the senior at the University of Colorado Denver knows differently. She's already got $45,000 in debt and expects to have to take out more federal student loans — and those new loans are going to cost her more money.
Monday marked the day when the interest rate on subsidized Stafford loans from the federal government doubled from 3.4 percent to 6.8 percent. According to the National Education Association, the increase means student borrowers will be adding about $1,000 each to their debts over the life of their loans.
While officially taking effect on Monday, there's a chance for a reprieve — Congress will vote next week on a bill that would keep the rate at 3.4 percent.
"I'm not too hopeful about that happening," said Cindy Hejl, director of financial aid at Metropolitan State University of Denver. "This has been a political battle, and I don't see any sense of there being an agreement between the two parties."
In Colorado, about 154,000 students have taken out Stafford loans, with an average debt of just under $25,000, according to the Center for American Progress, an independent, nonpartisan think tank based in Washington, D.C. According to Hejl, Metro State has averaged between 11,000-12,000 students taking out subsidized loans over the past three years, at about $4,000 a year.
Subsidized loans, where the government makes the interest payments while a student is in school, are based on financial need. Any student can take out an unsubsidized loan, but they must cover interest payments while in school or let the interest accrue. Those unsubsidized loan rates have been 6.8 percent and will remain at that same rate. Undergraduate students can take out a maximum of $57,500 over four years.
Hejl said Metro and other schools have long tried to impress upon students the need to be cautious about accruing debt and that will be a renewed point of emphasis in the wake of the interest rate increase.
However, she added, students looking for money, aren't necessarily concerned about the long-term costs of borrowing
"It doesn't really hit them until it's time to repay the loans," Hejl said.
Diaz admitted that was the case with her.
"I changed majors a few times and screwed around and didn't do what I needed to do," she said.
Even so, while the bottom line might possibly be lower, Diaz said that even while holding a steady job, there's no way she could navigate college without borrowing the money.
Anthony Cotton: 303-954-1292, firstname.lastname@example.com or twitter.com/anthonycottondp


text:
PIMCO Chief Operating Officer Douglas Hodge on Wednesday kicked off the Morningstar ETF Conference in Chicago with a speech on "the great American saver," but everybody in the audience seemed more interested in questioning him about the U.S. government shutdown.
The Morningstar event, which is focused solely on exchange-traded funds and is now in its fourth year at a top capacity of 550 attendees, serves as a good bellwether for market participants' worries about politicking in Washington over the shutdown as well as the looming U.S. debt ceiling deadline.
After his reasoned presentation about aging populations worldwide and how the ETF is a "remarkable" financial vehicle that has democratized the individual investor's quest to cover retirement costs, Hodge opened the floor to questions and was hit by queries not about ETFs but about the potential effects of a shutdown and debt default.
First up was a questioner who asked how the government shutdown might negatively affect the debt ceiling, which Hodge took as an opportunity to distinguish between the two events. He was less worried about a brief shutdown, saying it would hurt fourth-quarter GDP at a rate of only 0.2 percentage points per week.
But the separate issue of the debt ceiling troubled Hodge more. "Come next week, we'll be talking about the debt ceiling," Hodge said. "Default risk is unthinkable. The risk is not so much about Treasury bonds, it's about ripple effects in repo markets and global capital markets."
The U.S. Treasury will do everything in its power to avoid default, Hodge said. Rather than default, he noted, Treasury can roll over all the debt and bonds that are coming due, and the revenue it gets from taxes would cover debt service.
Treasury has set a debt ceiling deadline of Oct. 17, and Hodge hopes that lawmakers' political maneuvering will be finished by then.
"We hope by Oct. 17 it will be resolved, but it may go a week or two or more beyond it," he said. "Every interest payment and principal payment would be honored, so we would not go into a technical default. Our view is that choice is rather clear. The catastrophic events would be so large that they will choose [to resolve the crisis] rather than go the other way."
From there, the Q&A moved on to questions about Social Security, the Treasury's responsibility to global central banks and U.S. credit ratings.
"Boy, you're a tough crowd," Hodge quipped before launching into a comment on how the government's accounting office balances tax revenues and debt repayment. Overall, he said, the government shutdown merely determines "who goes to work and who stays home" while the greater debate is over what the U.S. government should ultimately pay for as it continues to honor its commitments to repay its debts.
"Debt that the government has already underwritten will have to be recycled," Hodge said. "Then important decisions will be made on how to spend tax revenues. I suppose Social Security and armed forces are some of the immutable things we have as a contract with the government. Doing away with Social Security is not politically acceptable in Congress, and I don't believe the president would agree with it, either."
Check out more Morningstar ETF Invest coverage on ThinkAdvisor.


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Developer Reading List, April 02, 2013 New books on Java, Erlang, Unit Testing, Windows and more.
Intel Xeon Phi Coprocessor High-Performance Programming
by Jim Jeffers and James Reinders
Intel coding evangelists Jim Jeffers and James Reinders have completed a new book on programming the Intel Xeon Phi Coprocessor a topic on which we are currently running a tutorial series. The authors have spent much of the last two years educating customers about the prototype and preproduction Phi hardware, so they are uniquely experienced in software development for this new silicon. As a result, this book is the definitive programming reference for the 60+ core monster from Intel.
It starts off by reassuring the reader that much of the benefit of the new chip can be obtained using conventional parallel programming techniques (vectorization, OpenMP-style compiler directives, and so forth). The back half of the book gets into the programming that is more chip-specific. The first topics in these later chapters will be familiar to users of GPU products: reducing the latency of data transfers, optimal threading models, and the like.
Finally, the authors address Phi-only kinds of considerations, such as data locality on the processor, configuring the Phi in various imaginative ways, using the Phi in Linux clusters, and so on. The text is highly readable and interlaced with lots of code examples in C and Fortran.
My only reservation about the book is that it focuses almost entirely on writing green field code for the processor. And it relies heavily on technologies that Intel has long favored, namely OpenMP, Threading Building Blocks (TBB), and Cilk. I would have liked to see consideration given to running existing programs that use Boost threads, Pthreads, or Java threads; and discussion of what changes would need to be made for them to run well on the Phi.
But this is a small complaint, given the extensive and unique information about the processor that is presented here. This volume is certainly the definitive title on the subject and considerably more approachable than the technical literature Intel has released about the Phi. Highly recommended.
(Adrian Bridgwater contributed to this review.)


text: Look no further than Flowers On Route 9 in Toms River, NJ for birthday flowers and happy birthday gifts! Liven up any birthday party with a festive bouquet of birthday flowers or surprise them with a cheerful "Happy Birthday" bouquet! Or give them a long-lasting plant or romantic roses. Everyone loves flowers for birthdays!


text:
Mrs. Sickandtired: "Yeah, um, I didn't get any sleep last night, because my kids were both up sick, and now I'm exhausted and have a headache and shaky all over."
Dr. Grumpy: "What's your question?"
Mrs. Sickandtired: "Do you think it would help if I got some sleep tonight?"
My inner voice: "No! I think you should stay up all night tonight, too! Stay up for the next week! Make a big pot of coffee and guzzle it! See how long you can go without sleep, and see what it does to you! Suck it up!"
Dr. Grumpy: "Yes, I'd try to get some rest and see how you feel tomorrow."
Mrs. Sickandtired: "Okay, thank you."


text:
Senate democrats gathered on Capitol Hill Wednesday to push for passage of the Paycheck Fairness Act, legislation that would help close the pay gap between women and men working equivalent jobs.
Indeed, the National Partnership for Women & Families recently released an analysis of U.S. Census Bureau data showing that the gender-based wage gap affects women in nearly every part of the country. In 97% of congressional districts—423 out of 435 districts—the median yearly pay for women is less than the median yearly pay for men, the analysis found. The data does not compare pay for similar jobs but for pay in all jobs between men and women.
The data also listed the top 10 worst state districts for women's pay compared to men (see chart on left; see also Page 2 of this story for some cities in those districts*).
The Paycheck Fairness Act builds upon the first bill President Barack Obama signed into law on Jan. 29, 2009, the Lilly Ledbetter Fair Pay Act, which overturned the 180-day statute of limitations for women to contest pay discrimination, as well as the Equal Pay Act signed into law in 1963.
Senate Republicans blocked a similar paycheck fairness bill last July.
Sen. Barbara Mikulski, D-Md., dean of the Senate women, stated on the Senate floor Wednesday morning that 50 years after passage of the Equal Pay Act, "we are still fighting for equal pay for equal work." The fight, she said, "continues now, and that's why we need this Paycheck Fairness Act. Women are harassed if they even ask how much the guys get paid."
The legislation, Mikulski said, helps close the wage gap between women and men working equivalent jobs, which costs women and their families $434,000 over their careers. Today, she said, women make on average just 77 cents for every dollar made by a man for equal work.
While closing the loopholes that allow pay discrimination to continue, The Paycheck Fairness Act will also, with Ledbetter, "provide employees the rights they need to challenge and eliminate pay discrimination in the workplace," Mikulski said.
The Paycheck Fairness Act would require employers to show pay disparity is truly related to job performance, not gender, and prohibit employer retaliation for sharing salary information with coworkers. "Under current law employers can sue and punish employees for sharing such information," Mikulski said. In addition, the act "strengthens remedies for pay discrimination by increasing compensation women can seek, allowing them to not only seek back pay, but also punitive damages for pay discrimination."
The act also "empowers women in the workplace through a grant program to strengthen salary negotiation and other workplace skills and requires the Department of Labor to enhance outreach and training efforts to eliminate pay disparities," Mikulski added.
Democratic senators from different states joined Mikulski on the Senate floor to voice their support for the Paycheck Fairness Act.
"Pay disparity still exists between men and women," said Sen. Maria Cantwell, D-Wash.
"One third of the families headed by women in my state are in poverty," she said. "We must end unequal pay and level the playing field."
Sen. Debbie Stabenow, D-Mich., said in her comments that women in Michigan are paid only 74 cents for every dollar a man makes. "Most women are the sole breadwinners in their families," she said. "In Michigan, that 74 cents [versus $1] difference equals over a half-million dollars in pay that's lost" during a lifetime.
Sen. Mark Begich, D-Alaska, the one male senator on hand, said the Paycheck Fairness Act "provides women with the tools to close this longstanding gap."
While the U.S. Census data analysis released by the National Partnership for Women & Families compared all pay earned by women in various types of jobs, a U.S Census analysis conducted last year on the difference in wages earned by women and men selling securities showed some startling results.
The analysis found that the gap in 2010 was 41.6% for women classified as personal financial advisors by the U.S. Census and 37.3% for those classified as securities, commodities and financial-services sales agents. In other words, for every $100,000 earned by a male colleague, a woman in these job categories earned $58,400 and $62,700, respectively.
*Below are some of the cities that are represented by the congressional districts listed in the chart on Page 1:
1. Louisiana, District 3: Laplace, Houma
2. Louisiana, District 7: Lafayette
3. Virginia, District 10: McLean, Winchester
4. New Jersey, District 11: Morristown
5. West Virginia, District 3: Huntington
6. Illinois, District 13: Decatur, Urbana
7. Indiana, District 1: Gary
8. Wyoming, At-Large District
9. Utah, District 1: Ogden
10. Illinois, District 12: Belleville


text:
First come, first served.
FCFS - Computer Definition
Computer Desktop Encyclopedia THIS DEFINITION IS FOR PERSONAL USE ONLY All other reproduction is strictly prohibited without permission from the publisher. © 1981-2017 The Computer Language Company Inc. All rights reserved.
Link to this page
Cite this page
MLA Style
"FCFS." YourDictionary. LoveToKnow. www.yourdictionary.com/FCFS.
APA Style
FCFS. (n.d.). In YourDictionary. Retrieved from https://www.yourdictionary.com/FCFS


text:
Deluxe sailing holiday Yacht Charter in Portovenere with ScireMundi
Let's sail with ScireMundi to more than 50 destinations in all over the world ! We have a range of seaside destinations including Caribbean, Indian Ocean, Americas, Pacific Ocean, Atlantic Ocean, Asia and especially Mediterranean Sea.
We provide for you over 20 sailing cruises in Italy on board of our comfortable charter catamarans or sailing yachts travelling through the most beautiful seaside Italian destinations and islands. The sailing holidays could be offered as a whole boat or as individual boarding in order to sped an unforgettable sailing holiday.
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Advanced Bassin Plus
in Montreal
Fishing Guide for Smallmouth Bass, Walleye, Sturgeon, Salmon, Pike, Muskie.
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Charter Boat PHOENIX is a Destin Florida fishing charter offering offshore fishing for Red Snapper, Dolphin, Amberjacks and Grouper.
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Devils Lake North Dakota fishing resort and ice fishing for walleye, perch, ice fishing, white bass
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Fishing charters for lingcod, rockfish, calico bass.
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text:
Peer-Reviewed Publications
Found 22 resultsTitle
Filters: Author is Mark R Zonfrillo [Clear All Filters]
Pediatric providers' self-reported knowledge, practices, and attitudes about concussion." Pediatrics. 2012;130(6):1120-5."
Association between weight and risk of crash-related injuries for children in child restraints." Pediatrics. 2011;128(6):1148-52."
Survey science in pediatric emergency medicine." Pediatr Emerg Care. 2011;27(5):443-8."
Emergency physicians' knowledge and provision of child passenger safety information." Acad Emerg Med. 2011;18(2):145-51."
The association of weight percentile and motor vehicle crash injury among 3 to 8 year old children." Ann Adv Automot Med. 2010;54:193-9."
Usefulness of computerized pediatric motor vehicle safety discharge instructions." Acad Emerg Med. 2003;10(10):1131-3."
Telecenter for secure, remote, collaborative child fatality review." Inj. Prev.. 2012;18(6):399-404."
Physical disability after injury-related inpatient rehabilitation in children." Pediatrics. 2013;131(1):e206-13."
Child passenger safety: protecting your patients on every trip." J Pediatr (Rio J). 2012;88(4):283-5."
Recognition of "Plastic Bronchitis" in the Emergency Department." Pediatr Emerg Care. 2009;25(9):621."
Management of pediatric tumor lysis syndrome in the emergency department." Emerg. Med. Clin. North Am.. 2009;27(3):497-504."
Management of pediatric penetrating oropharyngeal trauma." Pediatr Emerg Care. 2008;24(3):172-5."
The association of overweight and ankle injuries in children." Ambul Pediatr. 2008;8(1):66-9."
Pediatric psychotropic polypharmacy." Psychiatry (Edgmont). 2005;2(8):14-9."
The Knockout Game: Recreational Assault and Traumatic Brain Injury." The Lancet. 2014;383(9916):513-514."
Residual Cognitive Disability after Completion of Inpatient Rehabilitation among Injured Children." Journal of Pediatrics. 2014;164(1):130-135."
Pediatricians' Self-Reported Knowledge, Attitudes, and Practices about Child Passenger Safety." The Journal of Pediatrics. 2014."
Validation of Parent-Reported Injuries to Their Children." Clin Pediatr (Phila). 2015."
Emergency Department Visits and Head Computed Tomography Utilization for Concussion Patients From 2006 to 2011." Academic Emergency Medicine. 2015."
Reasons for Child Passenger Nonrestraint in Motor Vehicles." Traffic Inj Prev. 2015;16 Suppl 2:S41-5."
New Methodology for an Expert-Designed Map From International Classification of Diseases (ICD) to Abbreviated Injury Scale (AIS) 3+ Severity Injury." Traffic Inj Prev. 2015;16 Suppl 2:S197-200."
Incidence and Costs of Injuries to Children and Adults in the United States." Inj Epidemiol. 2018;5(1):37."


text:
Thursday, August 11, 2011
Lemon bundt cake
Today there will be no new recipe sharing, just like to show you that I baked a lemon butter cake which is my sister's favourite cake using the new bundt pan i bought recently.
I'm glad to see the good result of this new bundt pan..
Please find the recipe here.
Just like to share these photos with you. I captured this grasshoppers photo in a lovely evening when we were chatting in our garden. I have not seen grasshoppers mating ( mereka dua tengah buat big project,hehehe) and also see them so close...Enjoy these photos !
39 comments:
Fantastic pics and perfect shape of lemon bundt cake;)
- August 11, 2011 at 3:13 PM
- Love2cook Malaysia said...
WOW, the cake...perfect for our tea time soon! :D
Grasshoppers busy doing their 'things' uh! Hehehe...good shots! Imagine what would the grasshoppers think see you looking at them...:)
- August 11, 2011 at 3:19 PM
- ann low said...
Perfect pictures!! The lemon cake looks so good and the grasshoppers are so busy... ;DD
- August 11, 2011 at 3:22 PM
- 鲸鱼蓝蓝蓝 said...
- August 11, 2011 at 3:26 PM
- That's Ron said...
looks good
- August 11, 2011 at 4:00 PM
- Shereen said...
Love the grasshoppers pics...how come the small one on top?...hahaha.
Bundt cake looking good!
- August 11, 2011 at 4:46 PM
- susanyee said...
d cake very cute..haha
- August 11, 2011 at 4:54 PM
- Rachel Hei said...
love the cake bade in bundt pan.. looks cute..:)
Guess your garden must be a very comfort place.. that's you these grasshoppers buat big project kat situ..hahaha
- August 11, 2011 at 5:17 PM
- Unknown said...
hahaha,hamsap sonia.......
- August 11, 2011 at 5:21 PM
- 温馨小屋 said...
- August 11, 2011 at 5:26 PM
- Hasna said...
luvd the cake... did never taste a lemon cake & wonder hw it wud be.. will defenitely try this after ramadan...
- August 11, 2011 at 5:27 PM
- Lisa Ho said...
Beautiful golden colour...
Memang berprojek besar those grasshopper.... must be the gorgeous aroma of your cake baking in t oven... an aphrodisiac to them.... hahaha ;)
- August 11, 2011 at 6:37 PM
- Belly Good Cooking said...
Like your bundt cake. Waa.. so lucky of you to get to snap photos of the grasshoppers ey..
- August 11, 2011 at 6:43 PM
- Angel @ Cook.Bake.Love said...
This is a perfect budth cake . May I know the size of ur budth pan? I got a 10" it's too big for most of recipes ( unless I make 1.5 or 2 times but that will be too much for my small family).
- August 11, 2011 at 6:51 PM
- Ambreen (Simply Sweet n Savory) said...
Wow! Beautiful lemon cake, lovely pics :)
- August 11, 2011 at 6:57 PM
- sm said...
tasty cake
- August 11, 2011 at 7:03 PM
- Sonia ~ Nasi Lemak Lover said...
Angel, my bundt pan is 9" and I bought it from Jusco for about RM 25. This pan just nice for making a 250g butter cake.
- August 11, 2011 at 7:25 PM
- Finla said...
Wowo that is such a perfect budnt cake.
- August 11, 2011 at 8:12 PM
- mia111 said...
Lovely cake to share!
The boy is bigger than the girl in those pictures.. !!!
Isn't that amazing???
- August 11, 2011 at 9:22 PM
- cikmanggis said...
cantiknya kek ni Sonia:)..yang kecik tu male dan yang besar tu female hehe
- August 11, 2011 at 10:31 PM
- lena said...
aiyoh sonia, the grasshoppers also want privacy..now you showing to all of us...hahaha!!
- August 11, 2011 at 10:32 PM
- ღxinlingღ said...
wow~~nice cake nice pictures ..so amazing ~~~^^
Thank you Sonia for your wonderful sharing~
- August 11, 2011 at 10:41 PM
- Dmarie said...
reminds me of an orange juice bundt cake I make. now, why did I never think to make a lemon cake? thanks for sharing!!
- August 11, 2011 at 11:56 PM
Wow.. its a perfect bundt cake. I feel like having a piece. Shall I send you my address? :)
- August 12, 2011 at 12:44 AM
- Little Corner of Mine said...
Beautiful photos! My bundt pan has the same design too.
- August 12, 2011 at 2:36 AM
- Unknown said...
Your cake is just lovely. Lemon anything at all makes my day. The grasshoppers made me grin. Silly creatures, someone should tell them to get a room. ;)
- August 12, 2011 at 5:25 AM
- Indian Khana said...
Just so perfect ...
- August 12, 2011 at 6:27 AM
- Jeannie said...
Eat your cake and enjoy the show huh lol!
- August 12, 2011 at 8:35 AM
- Somewhere in Singapore said...
The grasshoppers pictures is so nice...
- August 12, 2011 at 9:05 AM
- Sherleen.T said...
i like the photos, very nice color of the bundt cake...
sonia, nasib baik ur camera didn't distract the grasshoppers, haha
- August 12, 2011 at 10:15 AM
- divya said...
Fantastic pics and perfect shape of lemon bundt cake;)
- August 12, 2011 at 10:29 AM
- daphne said...
it came out prefect! I got to learn how to use my bundt cake tin properly!
- August 12, 2011 at 11:36 AM
- MnYfoodtalk said...
Grasshoppers: Aaarrhhh, no privacy ah! People curi ambil gambar kita!!
- August 12, 2011 at 11:57 AM
- Nami | Just One Cookbook said...
I don't have bundt cake mold... I want one just because everyone seems to have one even though I don't bake... Heehee. I love your lemon bundt cake Sonia...looks beautiful! And the grasshoppers.. LOL!
- August 12, 2011 at 12:14 PM
look like the mother grasshopper carrying her baby..
- August 12, 2011 at 3:53 PM
- My Little Space said...
Your bundt cake looks really tempting. What a nice shot of the nature! Guess, its grasshopper musim already.lol! :o)
Enjoy your day.
- August 19, 2011 at 11:53 AM
Hi Sonia,
I just get to know ur blog recently but i like it do much. It becomes my favorite site. By the way i would appreciate uf u could share me the tip of using this bunt mold. I got the same as ur but i face problem in taking the cake out after baking. It still sticked to the mold despite i geased the mold will butter and flour. Your cake loojs not only yummy but also very beautiful. Thank u veru much. Sophia
- April 29, 2012 at 1:51 PM
- Sonia ~ Nasi Lemak Lover said...
Sophia, thanks for your support. If I could recall, since it is new , I don't bother to butter and flour the pan, it just unmould perfectly ..one tip, you have to wait the cake cool completely then only can unmould.
- April 29, 2012 at 2:00 PM
Thank you very much for your tip. I will try again and let u know the result.
Have a nice day. Sophia
- May 3, 2012 at 4:52 PM


text:
Anencepahlic Babies and the Problem of Evil
This article is to narrow down the Problem of Evil to one type of situation that I have not seen Christians provide a rationale for. Maybe I missed it because I wasn't reading carefully enough. In any case here is the chance for Christians to resolve this once and for all, to provide something they can proudly point to on this blog as an unequivocal victory.
P1. God is Omnipresent, Omniscient, Omnipotent
P2. God is Good.
P3. God permits suffering because it creates a greater good
C. There should be no suffering that does not add value to the greater good.
Anencephaly is a lethal birth defect characterized by the absence of all or part of the skull and scalp and malformation of the brain. (answers.com)
Anencephaly from Wikipedia.
As far as I can tell, the couples that have had anencephalic babies were average people. Some of them appear to be persons of faith. They exercised their free will and they wanted to have children. The woman did nothing intentionally or inadvertently that would have caused this. The babies were carried to term and they typically live up to three to five days before they die. While it is true that there is no perceptible suffering on the babies part, there is suffering on the part of the parents and family. What value to the greater good could this possibly add? And if it is for "soul building", then why doesn't something similar happen to everyone? For most people I think it can be said that having a baby is a joyous time.
This webring is a tribute and place where people who have had this happen to them support each other.
Anencephalic Angels I provided the text of the first page as an appendix to this article.
As far as I can tell the only defense is to Appeal to Ignorance/Appeal to Mystery. It can be argued that we don't have enough information to say anything about Gods goodness. It can even be argued that God defines goodness, and our definition is flawed. But be careful when you do that because you are establishing a principle that can be used to show that it is impossible to know anything about God with any certainty. If the problem of Evil is the fault of Man, and started in the Garden of Eden by disobeying god, or if the story of A & E is metaphor for mans natural condition, then mans tendency to disobey God makes it impossible to know anything about God with any certainty.
P1. man caused his own fall through the exercise of freewill and disobeyed God,
P2. And as a result or initial condition man is prone to sin,
P3. And God wrote the bible through man,
P4. And The bible scriptures are the only accepted authority about God
P5. And Man is prone to mis-interpret the bible as evidenced by the multitude of theological disagreements,
P6. And There is no standard except Jesus by which to measure proper knowledge of God,
P7. And Because we only know anything about Jesus anecdotally and not from the source,
C. there is no way to know if the information in the Bible is accurate therefore no one can know anything with any certainty about God.
It appears to me that God has a problem with infinity. If God had boundaries, then it seems to me that most of the Atheistic arguments against God would go away.
I don't think the ancients thought it through very well. That is a characteristic of folklore.
If you say that God is not completely good, or God is not omnipotent then the problem of Evil/Suffering goes away or if Jesus had sat down and spent a month writing, then I suppose he could have explained it away.
And if this too easy to explain, heres another one
Police, shooting at snake, kill 5-year-old boy, officials say
Here is a list of the First page of Links on the Anencephalic Angels web ring.
In Memory of Adam
In memory of our angel, Adam, who we lost due to anencephaly.
Matthew's Memorial
This site was made in memory of my sweet baby boy, Matthew, who was stillborn due to anencephaly.
Jessica's Journey
My Jessica's story, information about anencephaly, support groups, memorial links, and inspirational stories are all found within the pages of Jessica's Journey.
Nathan's Story
This is the story of our precious little boy, Nathan ,who lived for 25hrs and 2 minutes before returning to heaven.
Memorial to my baby lost to anencephaly and a tribute to her sister lost to miscarriage at 12 weeks.
My Angel Lily Faith
Memorial to my baby born with anenchephaly after years of intertility & IVF treatment.
Memorial to Mary Elizabeth Karg
A short story with pictures about the happenings leading up to the birth of Mary Elizabeth, about her short life, and about saying goodbye.
IN Loving Memory of Annalise
The story of the my daughther Annalise from her diagnosis till eventual death.
Anouk's memorial
A memorial to my anencephalic daughter Anouk.
Michaela's Hope
A site created in memory of our daughter, Michaela Hope.
Calebs Memorial
A memorial site for our angel Caleb whom we lost to Anencephaly in March of 1999.
Faith Lynn
This site is dedicated to my daughter, Faith Lynn, who was born and died on 8-21-02 due to complications from anencephaly.
Heaven's Lullaby
A place where mommys, daddys, and families can find comfort and support after the loss of their baby.
Ryan and Jesse Angel Babies
This is a educational memorial dedicated to my angels Jesse who had anencephaly and Ryan had congential diaphragmatic hernia.
Anencephaly - Angel Meert's Memorial Site
This is a memorial site dedicated to our baby boy that we lost to Anencephaly on 7th October 1995.
Gabriel Aaron Meehan our child in heaven
Gabriel Aaron Meehan was born on April 15, 2003 to his loving parents Ben and Kelly, and to his adoring big brother and sister Zach and Emmarie.
Jasmine Faith, Our Treasure in Heaven
The story of my daughter, who passed away shortly after birth due to anencephaly.
My Angel Daniel
This is a website in memory of my sweet boy who i lost to Anencephaly in Jan 1992.
Our Precious daughter 'Angel'
Memorial to our baby lost to anencephaly on January 12th 2002.
Amanda Marie
In loving memory of my daughter, Amanda, who was born still because of anencephaly.


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Northstar Wealth Partners (NSWP), an affiliate of LPL Financial (LPLA), said it recently added a team of fee-based advisors who manage more than $866 million in assets.
The addition of Tyler Potts and J. Addison McAraw, announced on the partnership's website last week, brings Northstar's level of assets under management to nearly $2 billion. In addition, Northstar says it will open a new office in the Old Saybrook area of Connecticut, where the newly recruited team lives and works.
"The addition of this team to the Northstar family further demonstrates the firm's commitment to being the independent financial services firm of choice for elite advisors who call Connecticut home," the partnership said in an online announcement.
"Northstar is honored to welcome Tyler and J as Partners to our firm," said Robert Laraia and Brandon Marinelli, founders of West Hartford, Conn.-based Northstar, in a statement. "We share their commitment to longevity, sustainability and scale for our clients and our business as a whole."
Northstar currently includes 22 partners and eight staff members who serve small-business owners, senior executives, experienced professionals, retirees and families with financial planning and related advice.


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April 7, 2014
Le Cordon Bleu
Chicago, General
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Chef Suzy Singh recently visited the Chicago campus
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Maybe we should pay attention to the man behind the curtain.
The PIMCO leadership is known for employing pop-culture references to describe complicated subjects, and Mohamed El-Erian doesn't disappoint in his latest missive.
Likening the great and powerful Fed to "Oz, the Great and Powerful," El-Erian compares the limited tools yet expansive creativity Bernanke & Co. employ to that of the humble wizard. In the just-released movie, Oz is able to rally the denizens of the dreamscape to defeat two evil witches (with the acknowledgment that they remain dangerous and will likely one day return).
"In today's economy, the role of the wizard is being played by the Federal Reserve Bank," El-Erian writes in a blog posted to The Exchange. "Facing a difficult economic situation, made worse by the inaction of a bickering Congress and essentially paralyzed government agencies, the Fed has found itself forced to take on the role of savior. And since its massive emergency interventions in 2008, it has felt a moral obligation to stay engaged, a role which, over time, it seems to have pursued more willingly."
In trying to do good, he continues, the Fed has confronted more than the considerable dark forces of disorderly economic and financial deleveraging. It has also had to overcome the (not-so-occasional) headwinds from a disruptive Congress and a Europe unable to decisively overcome a regional debt crisis, he notes.
"Also, similar to the wizard, the Fed has had limited tools at its disposal. Unable to get to the heart of the economic dislocations and disruptions, it has shrewdly adapted imperfect tools that have been only known to work in more controlled environments. Their success depends on getting the collective to believe."
El-Erian rhetorically asks: how do we click our heels for a happy ending?
The Fed has registered some encouraging successes recently, he says. Data releases, including Friday's jobs report, confirm "that a growing number of segments in the U.S. economy are healing."
"Having seen the stock market surge through its previous record, more and more people believe that the Fed will be able to deliver a much better macroeconomic outcome, and do so despite congressional dysfunction that continues to create avoidable headwinds."
But don't celebrate the witches' defeat just yet, he concedes. In an appeal designed to rally the citizens, he notes that, "Like the wizard, the Fed needs crucial help at a critical time."
"Some are hoping that the economic equivalent of Glinda could come in the form of a robustly expanding China and/or a stabilized Europe. Personally, I doubt that an external factor would do it. Rather, the catalyst needs to—and can/should—come from within the United States."
Read PIMCO's El-Erian: 3 Reasons for Stock Market Sustainability by John Sullivan on AdvisorOne.


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Thomas Carradice is my 2nd cousin 2x removed. Our common ancestors are my 3x great parents, John Carradice and Ann Ridley.
Thomas was born in Kendal, Westmorland – his birth is registered in the June quarter of 1884.
By the time of the 1901 census Thomas was living in Bradford, West Yorkshire with his father John Carradice and step-mother Sarah Jane Lightowler. His mother Mary having died in 1892. Thomas was working as a 'wool comb minder'.
He enlisted in the West Yorkshire Regiment on 12 June 1903 – his service number is 7095. He is described as 5 feet 6 inches in height and weighing 115lbs. His religion is given as Church of England.
The next piece of information I have is a note dated 13 November 1903 that Thomas appears to have been charged with fraudulently enlisting in the 'R I Regiment'. He was tried and convicted and sentenced to 6 months imprisonment with hard labour. He was then to be discharged with 'ignominy' – see extract below.
I have not been able to find any other details about this.
I found Thomas in the 1911 census still living in Bradford and working as a 'moulders labourer'. I haven't done any more research on him except to identify a potential death record in the September quarter of 1921 in the North Bierley registration district of West Yorkshire.


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The mission of Northwood University is to develop the future leaders of a global, free-enterprise society.
Core Values Statement
We believe in:
- the advantages of an entrepreneurial, free-enterprise society.
- individual freedom and individual responsibility.
- functioning from a foundation of ethics and integrity.
- promoting and leveraging the global, diverse and multi-cultural nature of the enterprise.
Core Purpose Statement
The core purpose is to develop leaders, managers, and entrepreneurs with the character and skills to drive personal, organizational and societal success.
Outcomes & Attributes
Code of Ethics
The community of students, faculty, and staff of Northwood University affirms this code of ethics as the behaviors that advance our shared values. Freedom: We will exercise personal freedom while ensuring others be immune from arbitrary interference on account of condition or circumstance, ensuring that freedom will be constrained only by our responsibility for its consequences. Respect: We will treat all others with consideration for their circumstances and with thoughtful regard for their value as human beings. Empathy: We will endeavor to understand the feelings, thoughts, and notions of others in order that compassion and fairness of our actions may result. Spirituality: We will seek the spiritual development necessary for our happiness and growth and encourage an environment that supports this growth for all. Honesty: We will embrace truthfulness, fairness, probity and demand the absence of fraud or deceit in ourselves and others with whom we act. Achievement: We will exercise our skills to create high achievement and applaud the high achievement of others. Integrity: In all our actions, we shall be guided by a code of behavior which reflects our values, unimpeded by circumstance, personal gain, public pressure or private temptation. Responsibility: We will be accountable for the care and welfare of others and responsible for the intended and unintended consequences of our actions. A university education is more than the courses offered and the experiences made available. It is the architecture of those elements designed to create defined results. As a learning community, we focus our efforts on the accomplishment of the following outcomes and attributes.
Our graduates:
1. Understand the tradition of freedom. 2. Have a broad practical understanding of their chosen field. 3. Are familiar with the ideas driving enterprise leaders. 4. Communicate effectively in speech and writing. 5. Understand complex global issues. 6. Have a constant attraction to new ideas. 7. Can explain their personal values. 8. Understand the aesthetic, creative, and spiritual elements of life. 9. Are effective self-evaluators. 10. Are action oriented. 11. Are skilled at detecting and solving problems. 12. Seek lifelong education.
The Northwood Idea
We view a Northwood University education as an investment in your future. Any person who devotes time to a Northwood education gives up the opportunity to devote that time to all the other pursuits he or she might engage in during that time.
The Value of The Idea
We believe that competitive, productive effort can overcome obstacles, solve problems, and achieve goals; that human beings can make a difference in the world in which they live; that political and economic freedom is of paramount importance in releasing creativity and productivity; that sacrifice--savings--is a necessary prerequisite to progress; that equality of opportunity based on contribution and inequality of reward using the same criteria are not only appropriate but the necessary conditions; in a system not forced into conformity with some master plan; that it is the differences among us that make us interesting and useful to each other; in the freedom to fail. We must be free to bear the positive and negative consequences of our actions; that in a competitive system, all who participate benefit from it; we dedicate ourselves to the elimination of artificial barriers to equal opportunity for all human beings. Racial, religious and sexual barriers are anathema to us; that an understanding and appreciation of the arts and humanities is a primary source of human enrichment in the lives of productive human beings; that education is never something that one person can do to another. It is, rather, something two people do together. This means that an educational institution is, primarily, a facilitator of knowledge. We practice a healthy skepticism of large and powerful government because we think history has clearly demonstrated that such structures move rapidly from being of the people toward being over the people, and freedom is lost in the balance. Our intolerance of monolithic power is consistent across the business, labor, and government spectrum. We suspect, furthermore, that as a society we cannot gain from the establishment of legal monopolies except in a very few and constrained circumstances. This is The Northwood Idea.
On March 23, 1959, two young men with an idea, a goal, and a pragmatic philosophy to encompass it all, broke away from their careers in a traditional college structure to create a new concept in education. Their visionary idea became a reality when Dr. Arthur E. Turner and Dr. R. Gary Stauffer enrolled 100 students at Northwood Institute, using a 19th-century mansion in Alma, Michigan, as a school building, a small amount of borrowed money for operating expenses, and a large amount of determination. Northwood was created as the world was changing. The Russians had launched Sputnik and America was soon to follow. Stauffer and Turner watched the race to space. They envisioned a new type of university-one where the teaching of management led the way. While the frontiers of space were revealing their mysteries, Stauffer and Turner understood all endeavors - technical, manufacturing, marketing, retail, every type of business - needed state-of-the-art, ethics-driven management. Time has validated the success of what these two young educators called "The Northwood Idea" - incorporating the lessons of the American free-enterprise society into the college classroom. Dr. David E. Fry took the helm in 1982 and then Dr. Keith A. Pretty in 2006, each continuing the same ideals as Stauffer and Turner, never wavering from the core values, the University grew and matured. Academic curricula expanded; Northwood went from being an Institute to an accredited University, the DeVos Graduate School of Management was created and then expanded; the Adult Degree Program and its program centers expanded to over 20 locations in eight states; international program centers were formed in Malaysia, People's Republic of China, Sri Lanka, and Switzerland; and significant construction like the campus Student Life Centers added value to the Northwood students' experience. New endeavors such as Aftermarket Studies, entertainment and sports management and fashion merchandising along with a campus partnership in Montreux, Switzerland, demonstrate an enriched experience for all our students. With a clearly articulated mission to develop the future leaders of a global, free-enterprise society, Northwood University is expanding its presence in national and international venues. Professors are engaged in economic and policy dialogue; students are emerging as champions in regional and national academic competitions. At all campuses and in all divisions, Northwood University is energized and is actively pursuing dynamic programming and increased influence. Northwood University educates managers and entrepreneurs - highly skilled and ethical leaders. With over 35,000 alumni and a vibrant future ahead, The Northwood Idea is alive and well.
48640 Midland, Michigan, USA


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The stock market has powered ahead of the nation's faltering economy so far in 2013 at the same time that the Federal Reserve keeps supporting U.S. Treasuries by keeping interest rates low.
These seemingly contrary events have left investors so uncertain about what will happen next that BlackRock, the world's largest asset manager, with $3.79 trillion under management as of Dec. 31, stepped forward Friday to offer three actions for worried investors to take.
"The powerful advance of U.S. stock markets has investors asking: Do the markets have more room to run, or is a correction imminent? First, we think there is almost no chance that the pace seen in the first quarter will continue. But does that mean we're in the middle of a bubble that will burst? The answer is no," write Russ Koesterich (left), BlackRock chief investment strategist and iShares chief global strategist, Jeffrey Rosenberg, chief investment strategist for fixed income, and Peter Hayes, head of the municipal bonds group.
As for interest rates, Koesterich, Rosenberg and Hayes predict that rates will drift higher, but slowly and erratically.
"A number of forces are keeping a lid on interest rates, including the low net supply of fixed-income securities (due largely to Fed buying) and a strong demand among investors for yielding assets. The Federal Reserve will not reduce its pace of accommodation any time soon given still-elevated unemployment. However, stronger economic growth could lead the central bank to pull back on the pace of accommodation later this year, they write in "What's Next in 2013? 3 Investment Actions for 2013."
The BlackRock strategists recommend three smart ways for investors to achieve income and return this year:
1) Broaden your bond approach. "Investor demand has pushed interest rates to such lows that it presents new risks," the BlackRock team says. They recommend that investors allocate to flexible core bond alternatives, increase exposure to credit sectors and implement long/short strategies.
Interest rates should gradually drift higher through the end of the year, with the 10-year Treasury yield ending around 2.25%, they predict. And if the Fed begins to slow down quantitative easing, yields on longer-maturity fixed-income assets such as the 10-year and the 30-year would move modestly higher as prices fall.
"In this environment, we advise protecting portfolios from the effects of increasing interest rates," the team writes. "One way to do this would be to focus on shorter-maturity segments of the market. Additionally, we continue to suggest a focus on credit sectors of the market, including areas such as bank loans and high-yield bonds."
2) Find new sources of income. Historically low yields within fixed income are driving investors to cast a wider net for income. The BlackRock team recommends solutions that balance income and risk, investments in nontraditional income sources and allocations to municipal bonds for tax-advantaged income.
The team favors munis particularly due to the prevailing higher-tax environment. "Munis have demonstrated lower volatility than many other areas of the fixed-income market and boast yields that, in many cases, rival Treasuries even before tax," they write. "They can offer a better way to keep more of what you earn."
3) Grow your wealth in unpredictable markets. "Equities remain attractive and should be the foundation for meaningful long-term growth," write Koesterich, Rosenberg and Hayes. "However, mitigating volatility is critical." The BlackRock team recommends allocating to "flexible, unconstrained" strategies, investing in high-quality dividend-paying equities and implementing alternative strategies.
Surprisingly, the BlackRock team was mixed on China's outlook, saying that while it is on an economic rebound in both manufacturing and exports, "Chinese authorities are tightening credit availability once again, which could dampen growth prospects."
More broadly in the emerging markets, although they got off to a poor start in 2013, "thanks to cheap valuations as well as higher growth, we still believe they can outperform developed markets for the year," the BlackRock strategists say.
BlackRock (BLK) will report first-quarter 2013 earnings on Tuesday prior to market opening.
Read Don't Panic-Sell Your Bonds Just Yet: Vanguard Talks Investors Off the Ledge on AdvisorOne.


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She started her career as a painter and has parlayed those skills over to cooking. Known mainly for her command over Italian and pasta based dishes, Marvi has quickly become a household name. Appearing in Simply Italian and taking the Pasta Show one step further, this show extends its reach from pasta and moves into Italian dishes. Watch as Marvi serves up not just pasta, but pizzas and brochette's as well, all in her own graceful and unique style.
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text: SmithPeck_MosquitoGod September 28, 2019 No comments yet Wallace Galleries Author Established in 1986 and located in the downtown core, our gallery is a family-run business with the goal of making art a part of your life as much as it is a part of ours. We proudly represent a variety of painters, print-makers, ceramicists and sculptors whose work presents exceptional quality and value. Many of our artists are well-known, some are mid-career and others are notable up-and-comers. This interesting mix of talents ensures an exciting and wide-ranging selection of art in terms of both style and price. ← Prev Post Share


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More "Encounters"
Posted 10 August 2004 - 05:30 PM
I didn't lose my mind - I have it backed up on a disk ... somewhere
Posted 13 August 2004 - 03:08 PM
Posted 26 January 2005 - 08:52 PM
1. By Choate Park on Main St. heading east as you come up the hill, its on the left. Some stories to be told there.
2. Broad St. Medway. I lived in this house in the late sixties, alot of activity there. Many people eye-witness ghost there. People don't stay in that house too long. A great Paranormal (investigator) Hans Hoseter (not sure of the correct spelling) "My mom contacted him" From N.Y. had been in contact concerning issues there.
Anyway, You should check it out. Good real life stories!
Posted 29 October 2005 - 01:17 AM
Posted 01 December 2005 - 01:05 PM
Probably it's because it can! A bit like an infant when it's gaining confidence 'playing' through a favourite toy!
Another reason may be because it's grabbing your attention by announcing it's presence in this way. Try asking some questions! Start taking notes!
If it becomes a 'problem', someone on this site will help!
I am sorry for disrupting the flow of things, but I was wonering if you could help me. I am having some incident with a spirit and I don't know what to do. This spirit likes to turn my brother's stereo on and off. It doesn't frighten my, but I just need to know a possible why it like this particulr item so much. I don't even know who it is, so I just call it Charlie. It seems to fit. Please, can you tell me something?
Posted 12 January 2006 - 02:32 AM
undefinedHello Villkat.
I was told once,that by my greatmother, that" If ever I were to see, hear, or sence something form the beyound; all I had to do was to call upon the there highest names( The father, The son, and The holyghost) by saying," I call upon you by the three highest names: The Father, The Son, And The HolyGhost.".
If this be a good ghost spirt it will talk; If this be a bad one it will leave." Maybe this will help you.
Edited by venusmoon32, 12 January 2006 - 02:34 AM.
Posted 05 March 2006 - 04:23 PM
I've had many encounters w/ spirits & ghosts... It doesn't sound like the one you have is a troublesome spirit...but If it starts to bother you...my advice to you is to buy some sage, and then sage your house, and while doing that....(only if you want) kindly ask it if it would like to go to the light....
Posted 05 March 2006 - 04:30 PM
Hey, its a thought. Might be weird, but if i was a spirit I'd do it...
Posted 20 March 2006 - 04:43 PM
by me being upside down.i have many stories to tell i just dont know what room i should go to.i think its this room.but i dont know...
Posted 12 April 2006 - 08:07 PM
Jeff ... lookie lookie around the corner in Medway MA a couple house hauntings I know of.
1. By Choate Park on Main St. heading east as you come up the hill, its on the left. Some stories to be told there.
2. Broad St. Medway. I lived in this house in the late sixties, alot of activity there. Many people eye-witness ghost there. People don't stay in that house too long. A great Paranormal (investigator) Hans Hoseter (not sure of the correct spelling) "My mom contacted him" From N.Y. had been in contact concerning issues there.
Anyway, You should check it out. Good real life stories!
I am originally from Medway Massachusetts, I have a lot of family there. I know several places that are haunted. One is 16 High Street medway Mass. That is the house of My Grandfather, Paul Revell. The house Is one of medways' Oldest. It is a 7 Bedroom with a finished attic. My cousins and I used to slepp in the finished attic and constantly hear people walking up the stairs to the attic. We would jump out of bed and see after no one would come. There has also been a little blonde heade boy that I have seen when I would wake up in the middle of the night. My relatives have all seen the same boy. Relatives have seen people in the windows. Supposed several deaths have occured in the house.
Another is 81 Oakland street. Medway mass.My Grandfather also owns this house. It has a basement that would scare most people, It has a cubby hole with an old lock on it and shackles on the walls., supposdley Joey Corado lived in this house in the early 30's and abused his kids ,, severly. there has been numerous sightings and sounds in the basement at all hours.. in between that house and 79 Oakland street is an old old white house (half fallen down) There have been several people say that they have seen an old man in the house,, which is imposible seems there is no floor on the main level. the whole front of the house is open alot of strange feelings about house. many deaths and unusal circumstances surround house.
I now live in Dayton Ohio and am very interested about massachusetts History, any other medway mass or surrounding stories would be great, Adam Glowka
Posted 13 April 2006 - 03:44 PM
civilwarbuff...also someone who lives in ohio
Posted 03 February 2007 - 12:24 AM
Don't forget that Ghostvillage.com has a section where you can find more personal encounters and pictures.
New articles and images are added all of the time.
I am new to this website and have had a recent encounter! I believe that my husband's sister is making her spirit known!! She passed away in a car accident on the beginning of October 2000 at the youn age of 22. I havn't experience any "site"of her since. However, this year, and last I have noticed several things that seemed a little out of the normal. I have a rose bush that is proven to be hybrid and the past tow years the rose bush has bloomed every Spring but recently the bush has bloomed in the Winter months also- usually October. The roses have also been a blend of orange and red, BUT the winter roses are Yellow. Her favorite flower is the yellow rose. Secondly, there is a can of RC fuel on the porch and when I am thinking of her the can will make a "ping" noise. Third, I usually talk to my deceased family when I feel stressed about something. It may sound crazy but i address them when I have a request or question. When I speak her name the wind will blow - not hard but really soft. lastly, probably like most on this site, I feel a presence in my house. It is almost like someone is with me - when I know that I am alone.
My question is this - I feel that I am experiencing her spirit but I guess that I am asking for conformation. I know that she is not here to hurt me but how can I make sure that it is her and not an another spirit?
Posted 23 February 2007 - 03:48 PM
Just stumbled upon this site. I too an from Medway, MA but havent lived there for about 25 years. Just read something about the Middle school ( which used to be the high school when I lived there) being haunted by some girl named Olga who supposedly died there. Know anything about that?
ummm new here where do i post my experiences in this forum.im so confused. cant you tell
by me being upside down.i have many stories to tell i just dont know what room i should go to.i think its this room.but i dont know...
Posted 28 February 2007 - 06:11 PM
Welcome to GV ~
This thread was created to point out additional personal encounters which are featured on the site..
If you'd like to share your encounter with us, please do it here at the community personal encounters board...Just click on the button which says "New Topic" and you're good to go!
If you have any questions, please PM me and I'll help you!
I've been hit by mrsspookypants
Posted 18 March 2007 - 04:16 PM
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Redefining Legal Education
Our faculty has developed a cutting-edge curriculum that ensures students receive an education that is comparable to or exceeds that found at any top 20 law school, and also that addresses the changing demands of the legal profession.
Our goal is to do the best job in the country of training students for the practice of law at the highest levels of the profession. Our innovative curriculum stresses hands-on, practical training, interdisciplinary studies and public service.
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Angels Sweep the Nationals, Presidents' Race and All
The Angels swept the Nationals and, oh yeah, we went to a baseball game on Monday! Work has been plentiful, all consuming, fun and, occasionally, FUn this week – I came home from Monday's game and moved a project along until 2am, that kind of fun. Between that and the games I suddenly looked up, it's Thursday already and I haven't posted my photos. Oh well…
Our seats for Monday night's game were just to the foul side of the foul pole down the first base line, in the second row. Prime visitor's section this. And, indeed, we set in front of and behind two families of Nationals fans vacationing in Los Angeles and next to a Phillies fan and his young daughters who were here on one of the middle stops of a larger baseball tour vacation. They had just come from Seattle and were headed out to Arizona then Texas. So jealous! When everyone has the right attitude, visiting fans can be a kick to enjoy the game with and all parties involved in this particular case were really nice and a lot of fun to chat/snark with.
Bobby Abreu leads off of second. Being on the field level, these seats were excellent for catching glimpses of personality on the field, some of which I got on camera. As you can see, Bobby is a talker on the base paths, especially at second base. He always wears a huge smile and gestures broadly with his hands so it is unclear for the most part if he's goofing around, talking trash, just shooting the breeze or what. Probably a little of columns A, B and C. What little I catch of it on TV is pretty darned funny…and of course he has 13 stolen bases (not bad for one of the few ballplayers left who are older than me :)) so perhaps this is all part of his strategy. Get 'em laughing, then break for third?
Vernon Wells at bat. These seats were not, however, the best for views or photos of the plate. The first base umpire is always in the way. That's okay. Ssometimes I enjoy having a closer vantage of the outfield and plays at second. Wells is continuing to heat up in June. He hit a single this at bat, which eventually lead to a run and then went four for five on Tuesday with a crucial two-run homerun. And Angels fans are starting to respond. Both developments are very welcome indeed.
Catcher Bobby Wilson and Pitching Coach Mike Butcher meet with Ervin Santana on the mound. Santana got off to an uneven start, giving up homeruns in the 2nd and 4th, but settled into a good rhythm after that. He lasted eight innings and on the Angels, starters don't pitch in the 9th inning unless they're pitching a shutout or something equally spectacular, so that's pretty darned good.
Just a random shot of the Angels bullpens. The bullpens at the Big A are terraced, which is a little unusual. The Angels bullpen on the lowest "step" in the front. And if you look at the photo you can see the Nationals in the visitor's bullpen one step up and behind the home bullpen. Starting another "step" above the visitor's bullpen you have the Left Field Pavilion seats. In this bullpen shot you can see Angels relievers Michael Kohn (standing up), Fernando Rodney, Hisanori Takashi's translator, Hisanori Takashi and Jordan Walden kneeling down and…what? Praying? Vomiting? Spitting sunflower seeds? Catching a few ZZZs? Probably the real answer isn't nearly as funny so I'm going to go with one of mine.
The Nationals brought the Racing Presidents with them to Anaheim for the series. So was this a) an incredibly stupid idea, b) a fine example of Interleague sharing of baseball cultures and traditions, or c) I really hate Interleague and fail to see how these two comments are mutually exclusive? You make the call. I initially thought the idea was kind of dumb, only because this is the Nationals' tradition and it's the Angels ballpark. But it was kind of fun to see and it provided a between innings icebreaker with the Nationals fans around us. I took the opportunity to ask, so, what's the deal with Teddy? He's really never won? I mostly knew the answer, but it was fun hearing all about the goofy, fun tradition from fans. We'd been talking a little between innings before that, but talked a lot more often after: relievers we love/who make us cringe, hitters who are starting to do better than their batting average indicates, overinflated contracts…it turns out Angels fans and Nationals fans have a frightening amount in common.
Nationals Catcher Wilson Ramos and Pitching Coach Steve McCatty meet with Pitcher John Lannan on the mound. All was going well for Lannan and the game was tied 2 to 2 until the Angels started hitting in the 6th. The Angels scored their third run shortly after this meeting and then Lannan was pulled. I love the photo because of the facial expressions and body language. I can only imagine the conversation that went with it. McCatty: Alright then, how are we going to get out of this? Lannan: Well, gee I don't know Coach. I thought maybe I'd throw some strikes and get him out.
Mark Trumbo grows impatient during the meeting on the mound – again, with being able to catch glimpses of personality from these seats. Mark Trumbo is usually as professional in demeanor as a veteran so I was amused to see him visibly impatient at another break in this already lengthy at bat, with his cheeks puffed out like an exasperated little kid. Very cute actually. He ground into a double play this at bat, but was pretty solid at the plate this series. His average is creeping back up again and he is the American League's rookie homerun leader with 13. Coincidentally, the Nationals' Danny Espinosa is the Rookie Major League homerun leader.
The Nationals outfielders, Roger Bernardina, Laynce Nix and Jayson Werth meet during the subsequent pitching change. 'Damn Werth, you have lots of friends over here too. You're a real popular guy in Anaheim.' Suffice to say, Angels fans were heckling Werth all night, which isn't surprising. There are a few folks I see regularly in this section and the left most corner of the right field MVP section (Season ticket holders? Maybe, maybe not.) who heckle pretty much everyone, occasionally even our own players. Whether or not that was the topic of the outfielders' conversation, I'm sure Werth is used to it by now.
Peter Bourjos and Vernon Wells joke after Peter snags a fly ball to end the inning. The outfield chemistry is shaping up much better as the months role by. This is very helpful, especially with various assorted centerfielders, corner outfielders turned DH and the occasional second baseman flopping roles in the outfield on a regular basis to accommodate injuries, Interleague and random acts of lineup juggling.
Yes that is Torii Hunter right in front of me in right field. The news report prior to Monday's game was that Torii took batting and fielding practice Monday and looked good enough to return soon, possibly as soon a Wednesday. Imagine our delight when they brought him in as an unexpected substitution in the top of the 8th inning. The whole crowd erupted and we went especially crazy in the seats around right field with our welcome backs.
Jorda Walden takes the mound in the 9th. Unfortunately this would prove to be another blown save for Walden, his third in a row, when he gave up a two-out homerun to Danny Espinosa. The young Nationals fan in front of us turned around and informed me "Blown Save". Thanks kid, I kind of figured that one out on my own. No liner notes needed. So, am I worried about Walden? No. Not at all. When I started advocating making the rookie our closer, I knew there would be some growing pains. This is a kid who had every intention of being a starter and never thought about the closer's role until it turned out he had quite the aptitude for it this season. So far, he has 18 saves (including last night's) which is respectable. And when he does blow it, instead of crumbling, Walden is right back in the game to get the next batter. Monday night when he gave up the homerun, he threw the next pitch for a called strike and then coaxed the batter into a ground out to end the inning. And he was right back in the game on Wednesday night with a 1-0 lead on the line and got the save. That says something to me. We will probably witness a few more growing pains this season, but I have no doubts that Jordan Walden is our closer.
Scott Downs pitches in the 10th as Howie Kendrick (who moved to first base in the 8th when Torii came in to the game) moves into position. I mentioned we were chatting about relievers with the Nationals fans? Well, Scott Downs is one of the few I never worry about. When I look over to the bullpen and see Downs warming up, with that distinctive haircut easily identifiable across the field, I breathe a sigh of relief. Yes, he has an off outing here and there, but by and large he comes in and gets it done and he has five wins for the season, as many as some teams' starters, to prove it. Monday night and the rest of the Nationals series was no exception.
Brian Bixler stands on second flanked by second baseman Maicer Izturis and third baseman Alberto Callaspo. Bixler reached 2nd on an uncharacteristic fielding error by Maicer. There were an annoying number of Angels fielding errors this series actually, but we recovered from all of them to sweep. I hope the errors are more an indication of tiredness from the epic Four Corners Road Trip than anything more trend setting, shall we say.
Peter Bourjos takes a long lead off third. I think it is safe to say that Bourjos has worked through his slump at the plate. He went four for five on Monday with one RBI and was a crucial component of the 10th inning rally, knocking a ground rules double into the stands mere feet from my seat, that put Callaspo in scoring position for Maicer Izturis' walk-off single. Yes, when that happened I tapped the young Nationals fan in front of us on the shoulder and informed him "Walk off." Fair's fair right? Acutally, everyone was laughing both over the "Blown Save" and the "Walk Off."


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3908 Heckel Road
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A decade ago, Paula H. Hogan had one of those incredible a-ha moments—and her financial advisory practice has never been the same. This was no fleeting "I coulda had a V8!" epiphany. It was profound, with deep implications for the advisor's business—perhaps even for the entire financial services industry.
That insight hit when the FA, founder and managing member of the Milwaukee-based firm bearing her name, read a couple of eye-opening Financial Analysts Journal articles written by economists: one story by Zvi Bodie, the other by Robert Merton. Both were about life-cycle investing, a school of thought that seeks to optimize income and spending, matching investment risk to goals.
Immediately, Hogan realized that application of this investing philosophy would be the best way to help her clients to safely achieve their goals.
"I thought, 'This makes sense! It's not what the industry is doing, but it's what we should be doing!" says the scholarly Hogan, a Princeton grad with a master's degree from Harvard.
The advisor indeed wasted no time in transitioning her then-11-year practice to focus on life-cycle investing. And, in an innovative move, she went a step further to meticulously pair the economic theory with the client-centric life-planning method, which integrates personal values with the management of human and financial capital.
Repeatedly named one of the country's top advisors by a variety of publications, Hogan, 59, sees the marriage of these two disciplines as the clear direction in which financial planning is headed.
"Pulling the two threads together—life-cycle and life planning—is the future of financial planning," says the advisor, who won a distinguished service award from the National Association of Personal Finance Advisors in 2002 and is a frequent speaker and author.
Hogan's approach is certainly not the mainstream advisory model now, but she firmly believes it is on the way to becoming standard.
"We're evolving from product as an advisor's focus to having a coherent economic theory that makes sense when we sit down and talk to a person about their money. That is what we should be doing," she says.
Practical Philosophy
Hogan's idea of combining life planning with life-cycle brings the investment theory into the real world: that is, the advisor working with actual clients.
Most importantly, life planning—drawing mainly from positive psychology, which encourages people to have more fulfilling lives—prompts clients to articulate what they care most about, along with the needs and wants they deem critical as they move into retirement. It is information that is required to effectively implement life-cycle investing: before specific goals can be set, clients' values need to be clarified.
It's a rare advisor who is taking a life-cycle point of view. And by integrating life-cycle with life planning, Hogan is way ahead of the curve. This spring, a July 2012 paper she co-authored with advisor Rick Miller, "Explaining Risk to Clients," is expected to be released as part of a book of symposium proceedings from theWhartonSchool's Pension Research Council.
A certified financial planner and chartered financial analyst, Hogan manages assets of $199 million from a mix of clients. The RIA has two other advisors in her fee-only practice and is in the process of hiring another.
Prominently displayed in her office is a big poster showing a "Personal Wealth Flow" diagram that Hogan created. Expressing life-cycle investing visually, it plainly shows that the client—not the portfolio—is at the center of her process. The schematic illustrates that money coming in must equal money going out. Writing in the June 2012 Journal of Financial Planning, Hogan described that as a "delicately, finely tuned, always-in-motion system." She refers to the diagram with prospects and in most every client conversation.
At its heart, life-cycle investing is the theory of how an individual should go about creating life-time financial security.
"You're matching a coherent economic theory with what the client wants to do. Life-cycle is about optimizing everything, [especially] your future self," Hogan stresses.
When used for comprehensive financial planning for individuals, life-cycle also applies principles from the pension world. In this goals-based investing philosophy, goals are funded in priority order.
"No matter who you are, you have a limited amount of money. So you want to make sure that the goals you care most about are funded before you run out of money," Hogan notes.
The cornerstones of life cycle are: (1) human capital—what people do in the world with their skills and talents, and how they are remunerated and (2) that most people care more about lifetime standard of living than about portfolio wealth.
These priorities change the focus of attention from the portfolio to the client and in so doing, from return management to risk management.
Earned income and spending are Hogan's financial planning touchstones.
From Day One as an FA, she intuitively took a life-planning viewpoint; but it wasn't until transitioning to life-cycle that Hogan began to overtly, systematically incorporate it into her process.
The be-all and end-all of that process is not to grow a great-big portfolio. Rather, the crux of the matter is what clients care about deeply, their resources and the risks they can afford to take.
"And then we'll build your portfolio around that," Hogan says. "It isn't: 'You need money. Let's take some risk and build a big portfolio, and I'll hold your hand and talk you through if there's more volatility than you can handle—and it'll probably turn out all right.' That [last part] really isn't such an outrageous statement if you believe that stocks are not risky in the long run. The problem is that stocks are risky in the long run."
Whereas in the traditional model, "the advisor will likely be selling stock," Hogan says, in the life-cycle model, "the holy grail for product is probably going to be life-time inflation-indexed income from a diversified selection of strong counterparties." That is, lifetime immediate annuities.
With life-cycle, the goals that clients care most about must be funded safely. So when investing for "needs," even compared with the traditionally safe U.S. Treasury bill, lifetime immediate annuities stand out. They "[go] up with inflation but never down," Hogan writes.
Still, "immediate annuities are almost as volatile as stocks," she cautions. "So if you're not doing competitive shopping, you're not getting best execution."
The distribution channel that has "changed everything in the immediate annuity market," she says, is Income Solutions (www.incomesolutions.com), a purchase program of Hueler Investment Services that is the first of its kind, according to Hogan.
"The contracts are from strong insurance companies; and because it sells the annuities on an apples-to-apples basis," she says, "I receive a market-determined price."
As a structured product, the inflation-indexed immediate annuity surely dovetails with the life-cycle approach. Both structured products and derivatives—which allow for specific tailoring to client needs—permit risk not only to be diversified but sliced, diced and traded.
Indeed, because of the availability of such vehicles, Hogan says she is seeing a huge shift in the risk paradigm tantamount to the revolutionary change that occurred in 1952 when economist Harry Markowitz initiated Modern Portfolio Theory. Prior to that, risk was assigned: widows and orphans got safe investments, like government bonds; business executives got risky stocks.
"Part of our challenge is to say to a client, 'What risk do you want to keep, and what risk do you want to [stay away from]?' Hogan says. "Structured products—used pretty routinely at the institutional level—are now beginning to offer that [option] to the retail investor."
Risk management is major to Hogan's process.
"Where the industry is right now," she says, "there isn't even a teasing apart of risk capacity versus risk tolerance. But someone can have high risk tolerance but be low on risk-bearing capacity." Typically, clients don't even know what their risk tolerance is.
"And when you put that together with the advisor's [aim], 'I need them to buy this product,' the traditional paradigm is the wrong one for helping an individual do what they want to achieve," Hogan says. "When people go in to talk to a financial advisor—which is not a legally defined term—they think they're buying advice. They don't know they're talking to a sales person."
One of the guiding principles of life-cycle is to smooth income. It moves wealth from good times to bad times in the safest way possible. Tools for "consumption smoothing" include savings, debt and insurance.
Hogan explains smoothing this way: "Because spending occurs at a different rhythm from money coming in, getting money from when you have it—because of time or circumstance—to when you don't is important. Thinking of wealth as a reservoir—filled with cash reserves, investment portfolio, real estate interests, business interests and even debt—with money going in and out, helps you to smooth income."
Bonded to Hogan's forecast that life-cycle is financial planning's future, is a vastly changed advisor role: Instead of being an authority figure, the FA will morph into "a counselor" with both technical and non-technical skills.
Already, Hogan considers herself a "facilitator"—a bridge between economic theory and what the client is trying to accomplish in blending human capital and financial capital based on values.
"Financial planning is something the client does—I don't do that for them," she says. "I create a path: If they're seeing only one part of an issue, my job is to bring out the other. In a good advisory relationship, the advisor creates an environment where the client will articulate and discover their personal values. But it's the client's values, and it's their discovery."
To be sure, life planning helps clients zero in on those values and motivations. With Hogan, they emerge as the advisor probes folks to talk about their current and past financial life, what they care deeply about, what worries them, how they define success. In this "values-clarification" process, no numbers are discussed.
"'What do you really care about?' is another way of asking 'What risk are you able to bear, and what risks do you not want or can't have?'" Hogan notes.
Life-cycle says that clients care most not about portfolio wealth but maintaining their standard of living—that is, not going backward.
"People are telling you, in effect, that they want inflation-protected income. That's the life-cycle point of view," Hogan says.
This means the financial plan must address life-time income and longevity to ensure that income keeps up with inflation.
Therefore, the advisor adds, "you would expect the standard retirement product to be an immediate annuity that is indexed to inflation."
After the client elucidates his or her values, Hogan schedules a follow-up meeting to show all that information on spreadsheets matched with planning topics from a life-cycle viewpoint. She then recommends a financial plan based on and custom-tailored to what the client's human capital is going to provide.
The whole process, she says, "empowers clients because it puts them—not the portfolio—at the center."
Life-cycle models were laid out by economists, including Paul Samuelson, Bodie, Merton and Moshe Milevsky, as early as the 1950s and on into the 1970s. "But advisors weren't drawing on the theory," Hogan points out.
In fact, only within the last few years was life-cycle introduced into the chartered financial analyst curriculum, according to Hogan. And it is not included in the certified financial planner curriculum at all, she says.
"That's odd, isn't it?" Hogan muses.
Yet she discerns "a migration" toward life-cycle investing.
"You're seeing something that is the beginning of what I think will be mainstream," Hogan notes.
Post-financial crisis, she has observed that clients and advisors are beginning to talk in life-cycle terms.
"They found out that stocks aren't safe and that they do care about risk. But I think they're backing into the life-cycle theory *ss-first, if you will. They're not saying, 'I've discovered this theory, and now I see how it works.' They're saying, 'Holy cow! This [big investment loss] wasn't what I signed up for! It's not acceptable. And I don't want it to happen again.'"


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Tagged: Terry Francona
Wild Card Wednesday. Pinch Yourself, Did That Just Happen Thursday. And Now Termination Friday?
"We find it's always better to fire people on a Friday. Studies have statistically shown that there's less chance of an incident if you do it at the end of the week." – Bob Slydell (no, not that Bob, the other Bob)
This is but one of many scenes in Office Space that is hilarious and at the same time so very, very true…which makes it just a little bit painful, which in turn makes it infinitely more funny. That human nature. Kind of a sick bastard, ain't he? The mortgage industry, of course takes this several steps further. Friday isn't just the day employees receive, as an old boss of my husband's used to say, an invitation to the world, Friday is also the day banks fail, a fact which became all too apparent in bad old days of '07, '08 and '09.
Imagine my colleagues and I at about 1:30 or so every Friday, just after the markets closed, scanning the headlines on Bloomberg and CNN to see who received a knock on the door from the FDIC this week, like so many baseball players on a cold streak eager to see how many guys were worse off and headed straight for the Mendoza line. And, oh yes, after the FDIC came calling on us, we performed this weekly ritual all the more attentively and with a great deal more snark. This was less a matter of schadenfruede running rampant, mind you, than one of absolute terror and paranoia channeled into research, gallow's humor and a seemingly endless stream of Tom Lehrer parodies…as you do.
Usually Major League Baseball bears about as much resemblance to corporate life in any of its variations as the Metro Goldwyn Lion does to Calvin Coolidge, but watching MLBN today, I have to wonder. Terry Francona and Tony Reagins? Interesting. Have the Bobs been doing some consulting work? I mean, of course, in both cases this is being billed as "they stepped down" and also in somewhat differing reports as a mutual or collective decision but, really, any PR team worth their pay will try and get everyone involved to adopt that party line as soon as possible, so you just never know.
The whole thing was very interesting for me, because I was expecting the news about Francona, even though I don't think he deserved it after what he has meant to Boston. But never in a million years was I expecting the news about Reagins, even though I think he did deserve it. The Angels tend to be a lot more warm and fuzzy with their front office staff over the last decade or so than they used to be, and more so than is good for them as a general rule. Maybe they were listening when Reagins was booed during the Jered Weaver contract press conference? Because try as Victor Rojas might to cover it up with a joke, they weren't shouting "Tooooony, Toooooony" and it wasn't funny.
So Francona is off to, one would assume, if not bigger and better things at least big and good things and Tony is…still employed with the Angels but as Assistant to Club Chairman Dennis Kuhl. I think this is fitting. Tony Reagins clearly loves the Angels and he's tried to do right by the team just with very mixed results as a GM, Dr. Tony and Mr. Reagins as it were.
So, thank you Dr. Tony, with all of my Angels loving heart for the Jered Weaver extended contact. For Dan Haren. For Scott Downs. For Mark Teixeira, who was a brilliant rental signing it's just too bad we couldn't keep. And for Torii Hunter. And, in truth, for Alberto Callaspo who has quietly lead the team in batting average ever since. But for all the rest? For Scott Kazmir. For Fernando Rodney. For trading Mike Napoli (you can have Juan Rivera) for Vernon Wells for crying out loud? I tried to be pretty Pollyanna about that one because it's not like I had a choice, but sheesh! For not being aggressive enough to really have a shot ai Teixeira…or any strong bats during this last off season…or, no offense to Callaspo but, a star third baseman with the cleanup bat we desperately needed at that time. For all of this large downside, I thank you for leaving, Mr. Reagins, with all of my Angels loving heart.
So, where do we go from here? I confess I am not exactly up on available GM candidates and the Angels have indicated they're looking for someone young and untried anyway. Here's hoping this winds up being more of a Dr. Tony, the deal ninja, style decision than a Mr. Reagins style decision. And one way or the other, I hope they fix the Angels' glitch.
Editor's Note: So I am a bit behind on my posts. Work really piled on the projects this week and sometimes it's all so much writing that I don't have two coherent thoughts left amidst the jumble to string together for the blog. But have no fear, TIAVSG was born during the offseason by the barely glowing embers of a recently kindled Hot Stove, and this blog will surely continue though the post season and the off season…pics from my last game of the season and wrap up thoughts on the Angels season coming soon…Hey, come November and December especially, a girl's gotta do something to keep the offseason blues away.