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Even Simple Floating-Point Output Is Complicated
We continue the theme from last week and the week before that by discussing an idea that is both fundamental and complicated: floating-point input-output — in particular, the behavior that a programmer should have the right to expect from a program that reads or writes a floating-point number in human-readable form.
Much thought has gone into such behavior over the years, and as a result, an answer has emerged that is easy to define and to understand. Moreover, open-source implementations of this desirable behavior are generally available. Nevertheless, most programming languages still do not specify this aspect of implementations' behavior — because of the very tension between theory and practice that we have been discussing.
The root of the problem is that people usually write numbers in base 10 and computers usually store numbers in base 2. 10 is, of course, 2 times 5; and 2 does not divide 5 evenly. As a result, it follows that powers of 2 are generally not powers of 10, and vice versa. It further follows that numbers that are easy to write exactly in base 10, such as 0.1, are often impossible to write exactly in base 2. For example, 0.1 in base 10 is 0.0001100110011… in base 2; the accuracy of the approximation depends on how many bits one is willing to use to write it.
Interestingly, there is no problem converting numbers in base 2 to their exact equivalents in base 10. For example, 0.1, 0.01, and 0.001 in base 2 are 0.5, 0.25, and 0.125 in base 10, respectively. More generally, it is always possible to represent a number in base 2 with n bits after the binary point exactly as a number in base 10 with n digits after the decimal point. This phenomenon leads to a fundamental conclusion about floating-point output:
It is always possible to represent a binary floating-point number exactly in decimal if you are willing to use as many decimal digits after the decimal point , as there are bits after the binary point.
Of course, the computation that produced a particular binary floating-point number may have its own errors; but every binary floating-point number represents a mathematically exact value that always has an exact decimal representation.
Let's see what happens when we try to convince a C++ implementation to show us one of those exact decimal values. We'll start with a simple example:
double d = 1.0 / 3.0; std::cout << d << std::endl;
When I run this on my computer, it prints
0.333333. This behavior suggests that the default is to display either six digits after the decimal point or six significant digits overall; I'll leave it to the reader to devise an experiment to determine which case applies.
Of course,
0.333333 is not the closest decimal approximation to the floating-point value
1.0 / 3.0. We can see this by running the following program fragment:
double d = 1.0 / 3.0; std::cout << d - 0.333333 << std::endl;
Doing so prints
3.33333e-07, which represents the first six significant digits of the difference between
1.0 / 3.0 and
0.333333. Moreover, if we increase the precision that we use to print our value:
double d = 1.0 / 3.0; std::cout << std::setprecision(20) << d << std::endl;
we get
0.33333333333333331483, a result that suggests that our
double variable
d contains about 16 decimal digits' worth of precision — or at least a result that suggests that we can print that many digits. Is this result an exact representation of the value of
d? Probably not: On this particular computer, a
double variable comprises 64 bits, of which 12 are devoted to the sign and exponent. That leaves 52 bits, to which we add a hidden leading bit that is always 1 to obtain 53. Accordingly, the value of
1.0 / 3.0 should have 53 bits after the binary points, so that representing that value exactly in decimal should require 53 digits after the decimal point.
What happens when we try to obtain this 53-digit representation? If we execute
double d = 1.0 / 3.0; std::cout << std::setprecision(53) << d << std::endl;
we get
0.3333333333333333148296162562473909929394722, which has only 43 digits after the decimal point. Without even going to the trouble of verifying these digits, we can be confident that what we have here is not an exact representation.
Why should something as seemingly simple as printing a floating-point number be so hard? The answer is a tangle of technical, pragmatic, and historical reasons, which we shall begin to explore next week.

subset: commoncrawl


text:
Talk about a bummer of a summer. Following on the heels of massive outflows in June and July, TrimTabs Investment Research reported on Wednesday that bond mutual funds and exchange-traded funds have already redeemed $30.3 billion in August through Monday. This month's outflow is already the third-highest on record.
"The $114.1 billion in redemptions since the start of June marks an enormous shift for the bond world," David Santschi, CEO of TrimTabs, said in a statement. "Before June, bond funds posted inflows for 21 consecutive months."
TrimTabs reported that the heavy selling in August follows a record outflow of $69.1 billion in June and an additional outflow of $14.8 billion in July.
"The record inflows into bond funds in the previous four years likely account for the intensity of the recent redemptions," Santschi added. "A staggering $1.20 trillion poured into bond mutual funds and exchange-traded funds from 2009 through 2012. Many investors probably didn't grasp the interest rate risk they were taking. Now that they're suffering losses in funds they regarded as 'safe,' they want out fast."
In a research note, TrimTabs explained that outflows have been heaviest in funds investing in municipal bonds and Treasury bonds. The municipal bond mutual funds TrimTabs tracks daily posted an outflow of $2.1 billion (2.3% of assets) in the past month, while municipal bond exchange-traded funds redeemed $199 million (1.7% of assets). Similarly, the Treasury bond mutual funds TrimTabs tracks daily posted an outflow of $3.4 billion (1.8% of assets) in the past month, while Treasury bond exchange-traded funds redeemed $1.9 billion (0.5% of assets).
"The exodus from bonds suggests that if the Fed actually starts tapering — as opposed to just talking about doing something in the future — it might be more disruptive than Wall Street thinks," Santschi concluded.
Check out Investors Embraced Equity & Credit Risk in July: Morningstar on ThinkAdvisor.


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Act II, Scene 1
London. The palace.
[Flourish. Enter KING EDWARD IV sick, QUEEN ELIZABETH, DORSET, RIVERS, HASTINGS, BUCKINGHAM, GREY, and others]
[Exeunt some with KING EDWARD IV and QUEEN MARGARET]
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Never mind DoubleLine's Jeff Gundlach and PIMCO's Mohamed El-Erian giving the thumbs-down to Apple stock last month. When Apple (AAPL) started its fall in fourth-quarter 2012, Roumell Asset Management's Opportunistic Value Fund (RAMSX) bought the stock for the first time in the fund's history, and then went out and bought some more in the first quarter of 2013.
Considering that Morningstar ranks RAMSX in the top 1% of the 1,018 funds in its category, portfolio managers Jim Roumell and Ted Crawford of the two-year-old fund may be making a good call on Apple. RAMSX has beat the S&P 500 81% of the time on a rolling three-year basis, and the managers credit their strategy of buying companies that are out of favor, overlooked or misunderstood.
Apple, in other words.
"We bought it when it wasn't loved," Crawford said on Tuesday in New York during an interview with AdvisorOne, adding that Roumell Asset Management's deep-value investing strategy uses a combination of "scuttlebutt" along with quantitative and behavioral analysis. "The change in sentiment in Apple was sharp, quick and visceral, and visceral reactions are usually overreactions."
Crawford's primary animating principle in stock-picking is finding companies he would take private in a heartbeat. Before joining Roumell last year, he was a partner with value-oriented long-short equity hedge fund Maple Leaf Partners for six years, during which time he learned to spot stock that was selling at a big discount to what the company would be worth if it were private.
Off 30% From Its Highs, AAPL Seen as a Deep-Value Bargain
RAMSX invests in a mix of deep-value stocks, high-yield corporate bonds and cash, and the stocks usually fall into the micro-cap end of Morningstar's style map. But when AAPL fell 30% from its highs, to as low as $435 per share from its 52-week high of $705.07, Roumell and Crawford decided to grab it.
Their average cost was $500 per share for Q4 '12 and Q1 '13 combined. As of Thursday, AAPL was trading at $467.01. Roumell and Crawford have set a target price for the stock at $775.
But no question about it, Apple of late has seen little love from investors. Hedge-fund honcho David Einhorn has demanded that the company distribute a big cash payout to its stockholders, DoubleLine CEO Gundlach has called Apple "a broken company that is over-owned," and even the normally staid El-Erian questions its ability to maintain rapid growth "in the context of increasing competition and an uncertain product cycle."
'Extremely Rare Opportunity' to Buy at 7.5x Earnings
Roumell and Crawford believe that AAPL is a good bet. In their opinion, they have an "extremely rare opportunity" to own one of the best companies in the world for only 7.5 times earnings, excluding its net cash. The company, they point out, generates returns on equity of 40% and has scale, a fanatical customer base, a culture of innovation and a 20% global share of the smartphone market, which grew 45% in the third quarter.
In addition, they say, there are 5 billion "dumbphones" in the world, and they will be replaced in time with smartphones, which creates a tremendous wind at Apple's back.
"The market seems most concerned about the possibility of declining margins in its smartphone business," Crawford wrote in an email following the Tuesday interview. "If over the next couple of years gross margins fall back to where they were before the first iPhone was launched in '07, earnings would fall to around $35/share. Apple would generate $50-$60/share in cash after capex, dividends and buybacks. So at this price, if the market's worst fears are realized, the stock would still trade for a single-digit earnings multiple. We just don't see much risk in owning Apple here."
Read Gundlach, El-Erian Weigh In: What's Behind Apple's Fall? at AdvisorOne.


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Fran made a decision to proceed with the discussion and also needed to examine a crucial factor. "Currently woman, you have not been tinkering any kind of young boys because your meeting, have you?"
Clare's mind remained in a little bit of a haze as she had actually slid a finger under the component of her panty which covered her girly components and also was gradually brushing backwards and forwards the slit of her soft down-covered pussy with an unique twirl around her clitoris on top of each stroke.
" Many thanks quite for preparing this. I will certainly call him the minute you message me the number."
" Hello there Madam. I wish you and also your other half are well."
He is anticipating your phone call. Did you bear in mind to choose out an escort alias name?
She added as a second thought. Jerome had blue rounds for a week after being discouraged in not being permitted to fuck Clare's really prepared pussy at her meeting for the escort task.
Fran, the co-owner of Twelve o'clock at night Magic Escorts, was calling Clare, her recently employed virgin escort. The young songs trainee's New York City escort permit had actually been authorized as well as Fran had actually presented a bidding process battle amongst her rich customers as to that would certainly take the beginner's cherry. This was the financial assistance Clare had actually informed her she required so terribly, that she had actually used to end up being an escort.
When Clare responded to the phone in her dormitory that early morning, she grinned as well as quickly an erotic photo stood out right into her mind.
The young trainee had actually invested numerous nights masturbating her pain pussy believing regarding the terrific thick black member of Fran's partner that she had actually when tasted in her mouth as well as the hefty rounds she had actually held in her little hand. Her pussy pulsated and also spurted at the idea. Any individual observing this would certainly have assumed that below was a lady that required a great fucking.
She believed, "Greet from him, heck no. He informed me he desires the suggestion of his penis to claim a large hello there to the inmost end of the brand-new worker's limited vaginal area."
If Celeste had actually remained in his penthouse apartment or condo she would certainly have seen him grin and also lick his lips. He proceeded like a guy that was made use of to providing orders.
He might promptly listen to Celeste capture her breath. This was specifically what he enjoyed to do, take a lady promptly out of her convenience area and also develop the sex-related stress along with develop that remained in control. He desired her to think of this when she is driving over.
" I have actually organized a limousine to choose you up at 7:00 tonight. I would certainly enjoy to pay attention to you play as I mug your busts as well as stroke your pussy."
" Oh, yes. Jerome as well as I are great. He asked me to greet."
The message showed up in much less that a min. Clare stood as well as corrected her skirt as if she intended to be much less laid-back when she spoke with the gent that would certainly make her a lady. Her feelings were contrasted in between sex-related expectancy and also anxious power as she called.
Clare was real to her word as well as remained away from young boys. Sampling and also touching Jerome's splendid penis as well as sensation Fran's warm tongue on her clitoris had actually stired up a solid enthusiasm.
Celeste flushed crimson as well as murmured shyly, "Yes sir. I will certainly bring my cello."
The photo of Fran with her head hidden in her crotch, licking her clitoris adeptly triggered her pussy to start to dampen at the idea. She responded shyly,
Clare, the currently relabelled Celeste, responded, "Hello there sir, my name is Celeste. I am calling from the firm. I recognize you intended to be with me this night."
" No madam," she mentioned shyly. "I did precisely what you informed me."
" Hello there", a solid baritone voice responded to. "Just how can I aid you?"
Fran had actually sent out a brief bio of the novice, along with duplicate of her current high institution yearbook image which revealed off her wonderful, innocent and also extremely quite face. Mr. R. was a rich client of the arts with an unique desire for the cello which was reluctant Clare's tool at the Julliard Institution, Songs Department.
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" Naturally, Celeste. I was anticipating your phone call with terrific expectancy."
He proceeded, "Put on a white shirt that switches ahead as well as a lengthy black skirt. You understand, the sort of attire any type of women cellist would certainly use when doing in a band. I such as ordinary white underwears as well as do not put on a bra."
Celeste flushed also a lot more at this. "One last point, I do not such as a great deal of make-up.
Clare laughed as well as stated gladly, "I picked Celeste, Madam. Celeste, the cellist.
" Hello there doll, this is Fran, your brand-new manager."
" FANTASTIC!!" Fran break out, happy, and also the idea of bucks starting to develop in her mind. She took a deep breath.


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For its second season, Betty White's Off Their Rockers will be pairing the 90-year-old funny lady with celebrity guest stars. White's old Mary Tyler Moore Show co-star Ed Asner will be among the famous faces appearing in comedy bits that will run in between the pranks White's team of oldsters pull on younger victims.
Among the new friends who will team with White are America's Got Talent judge Howie Mandel, The Winner Is host Nick Lachey, Jackass stuntman Steve-O and Real Housewives of Beverly Hills co-stars Adrienne Maloof, Camille Grammer and Kyle Richards.
Season 2 of Off Their Rockers kicks off Tuesday, Jan. 8 with two back-to-back episodes beginning at 8/7c on NBC. White, who earned an Emmy nomination as Outstanding Host for a Reality or Reality-Competition Program for Season 1, turns 91 this January. A follow-up special to last year's highly-rated 90th birthday celebration is expected to air on NBC later this winter.
Subscribe to TV Guide Magazine now!
View original Keck's Exclusives: Off Their Rockers Welcomes Betty White's Famous Friends at TVGuide.com
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To stay active within the medical community, Dr. Plastic Surgeon is a member of such organizations as the Society of Plastic Surgeons and the Skopje, REPUBLIC OF MACEDONIA Society of Plastic Surgeons, as well as a Fellow of the American College of Surgeons. He also takes pride in participating in the Interface International Surgery Program, through which he is able to dramatically improve children's lives by correcting disfiguring birth defects.
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An authority on providing aesthetic results, Dr. Plastic Surgeon pulls from his years of experience by frequently teaching courses on plastic surgery, instructing surgeons in endoscopic (minimal scar) techniques and advanced concepts in facial rejuvenation and enhancement. He acts as an attending surgeon at Memorial Hospital in Skopje, REPUBLIC OF MACEDONIA and a Voluntary Clinical Instructor of Plastic Surgery at the University of Skopje, REPUBLIC OF MACEDONIA. He is also the author of the chapter on facelift advances in a plastic surgery textbook, along with numerous medical articles.
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Advanced cosmetic enhancement and plastic surgery treatments at our practice can renew your appearance as well as your self-confidence. Dr. Plastic Surgeon completely understands the need for many patients to be able to bring the cost of procedures into their budget. With this in mind, we work with some of the most reputable financing companies in the Skopje, REPUBLIC OF MACEDONIA that can help qualified patients pay for their treatment in low monthly installments. Financing options are available for a comprehensive array of treatments, including facial enhancement, breast and body contouring, and non-surgical skin rejuvenation.
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Tagged: David DeJesus
E Is for Errors, Elimination and Exasperation…But the Angels Got Better
Were you aware that, in addition to being MLB "berth" month, September is both National Wine Month and National Bourbon Month? Whether or not this is coincidence, I can't help but feel it's appropriate…unlike some of those other special monthly designations like National Collegiate Alcohol Awareness Month (thanks, but weren't we all aware of alcohol in college, like extremely aware) and National Pork Month (I'm not entirely certain if this is more of a food thing or an offshoot of National Collegiate Alcohol Awareness thing but I was hesitant to see what the internets would tell me if I looked it up. You understand, I'm sure.) I can really get behind this September last month of baseball/alcohol appreciation tie-in thing. Suitable for comfort or celebrations, alcohol pairs wonderfully with all of your September needs. But I digress…
So, the Angels lost to the A's and now have a big old E next to their name in the AL West, the last team to fall prey to the dreaded E, though time zone bias did play a role in that. After the loss to the Jays especially, I was expecting this eventually. I am even glad it happened early enough to avoid having to watch Texas celebrate on our infield when I go to the game on Monday, but that doesn't mean I am happy about it in general, you understand. Even so, Friday night was a good night at the ballpark if for no other reason than aren't they always?
Fresh off a start on three days' rest, Jered Weaver was a little overly strong in the first inning, giving up a homerun to Jemile Weeks in the first at bat and hitting Josh Willingham before settling down for six scoreless innings. Really, with 3 runs, only two of them earned, on 6 hits and 0 walks with 8 strikeouts? Weaver pitched well enough to win.
The bullpen, shown here largely in goofier relaxed moments, was solid too with Rich Thompson coming in to record the last two outs in two batters in the 9th.
Sadly, Gio Gonzales was on and, as usual, largely incomprehensible to the Angels while our bats remained…Inert? Immobile? Stuck in customs? Whatever the reason, the team only cobbled together three hits while stranding 10 guys on base, only one of whom (outside of Torii's solo homerun) actually made it all the way to third. You don't win ballgames that way, especially against the A's who, regardless of what their record says this season, can and will make a team pay for mistakes…mistakes like our boneheaded fielding error in the 8th, for example.*face palm*
I was disappointed with the loss to be sure, but accepted what was, at this point in the season, inevitable. I reminded myself that I had enjoyed a lot of the season, had enjoyed this evening out at the ballpark and that the Angels still had a small shot at clenching the wild card. And so I began to watch the final Friday Night Fireworks post game show of the season only somewhat deflated. And I was fine. Really adult about all of it. It's only baseball, right? …right up until the bouncy Beach Boys soundtrack ended and the next wave of beautiful fireworks launched to the tune of Train's Calling All Angels. Then the distinct explosions of glittering color blurred into an impressionist knock off of blue and red swirled with green, purple and yellow as tears welled up in my eyes and began to roll down my cheeks.
I am not proud of this fact. I am 35 years old and this was a baseball season, one of many near playoff misses I have witnessed in my lifetime. But…there was a wonderful quote that prefaced the broadcast of the 2010 All Star Game in Anaheim. I have searched and searched today, trying to find the exact quote, but the Interwebs have failed me. The gist of the quote is that baseball is a child's game and when we watch the game we do so through a child's eyes and with a child's glee and so, for the span of a game, can remember however briefly the wonder and innocence of being a child. Baseball always fills me with a child's excitement and glee, so looking back on last night I think it's only appropriate that, for a few moments, it filled me with a child's disappointment, raw and unencumbered by any need to put on a brave face and act the adult.
Ten minutes later and on into today, I have prospective and am back to disappointed but not crushed. Still, for those of us who do embody the quote I can't find when around this pastime we adore, I think it's important to embrace and acknowledge this side of ourselves. Even if it means admitting that all too often there absolutely is crying in baseball, this is also the side that allows us to experience unrestrained and darned near unreasonable joy over the feats of 25 men we don't know on a field of grass, clay and chalk. The side of us that allows us to, for example, cheer again the very next day after a division elimination while we return to torturing ourselves with Wild Card elimination number math. I think it's the child side balanced with the adult that allows me to laugh when I am happy and search for reasons to laugh even harder when I am disappointed or upset. To that end, I give you the rest of the photos I have selected from the game, all photos that made me laugh for one reason or another:
And, hey, good news this evening! A stronger Angels performance earned a victory while the Red Sox lost to the Yankees…and the Rays won too but what can you do? The Angels also announced their team awards. Congratulations to Jered Weaver for winning the Nick Adenhart Pitcher of the Year award and to Mark Trumbo for the team M.V.P. award – neither a surprise and both extremely well deserved!! So, onward to the last four games of the season and hopefully the last four wins of the season. I am all for the Angels finishing the season as strong as they can whether that means a miracle Wild Card Playoff berth or just a final record that's that much better.


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America's largest spring sits untouched within Silver Springs State Park, and visitors can explore its natural beauty and diverse ecology by boat, foot or horseback. Glass bottom boats were invented here and still provide guests an ideal vantage point to enjoy the natural beauty of this first-magnitude spring.
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Bryan Singer accuser gets OK to drop sex abuse lawsuit – National
HONOLULU – A former child model can drop his lawsuit accusing X-Men director Bryan Singer of sex abuse in Hawaii and has the option of refiling it later, a federal judge ruled Wednesday.
Michael Egan III said in a previous court filing that he wanted to dismiss the lawsuit, not because it lacks merit but because he can't find a new lawyer to represent him.
Story continues below
Singer has sought to have the case dismissed with prejudice, meaning it couldn't be re-filed. He also wanted Egan to pay his attorney costs and fees.
U.S. District Judge Susan Oki Mollway denied the request by Singer.
"Any alleged damage to defendant's reputation may well be ameliorated by plaintiff's voluntary dismissal of the action," her order said.
Egan, 31, accused Singer of sexually abusing him during trips to Hawaii in 1999, when Egan was 17. Singer has denied the allegations.
Egan was pleased with the ruling, said Vince Finaldi, an attorney in Irvine, California, who said he's advising Egan but isn't representing him legally. "He got everything he wanted."
Finaldi said he can't say what Egan will do next. "I've got to leave a little bit of cliff-hanger here," he said.
READ MORE: Singer in Canada at time of alleged sex assaults?
Singer also was pleased, said one of his Los Angeles attorneys, Marty Singer, who is not related to the director.
"Although we would have liked the case dismissed on merits, the fact that now it's dropped … is satisfactory," Marty Singer said. "We're pleased that it's over."
Egan's former attorneys asked to be removed from the case after their relationship with him deteriorated. An Aug. 19 court filing by Egan that the judge ordered unsealed on Wednesday said Egan claimed his previous attorneys withheld information from him.
Finaldi said Egan declined to accept a $100,000 settlement. "No. 1, the money wasn't enough and No. 2, they were trying to shut him up," Finaldi said.
Marty Singer said that settlement offer was proposed by Egan's previous attorneys. Egan's previous Hawaii attorney referred questions to an attorney in Florida, who couldn't immediately be reached for comment.
Egan previously dropped three similar Hawaii lawsuits against other entertainment figures.
The lawsuits were filed under an unusual state law that created a window for civil cases in sex-abuse cases when the statute of limitations has passed.
©2014The Canadian Press


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In something of a surprise, new research sponsored by the Consumer Federation of America and Certified Financial Planner Board of Standards finds close to nine in ten American households are engaged in some type of formal or informal financial planning.
However, the extent of this planning varies greatly, and will generally fall into one on four behavioral areas identified by the organizations: comprehensive planners, basic planners, limited planners and non-planners.
The research shows that only one in five household decision makers are comprehensive planners, or those who take a methodical approach to financial planning, while one in ten do virtually no financial planning at all. The research further identifies nearly two-fifths of households as basic planners and one-third of households as limited planners.
"I was most surprised by the number of Americans involved in planning," said Stephen Brobeck, CFA's executive director. "Yes, the degree to which they're planning does vary, but I thought the number of people that do not do any planning would be much higher."
One of the most compelling findings, according to Brobeck, is that the more extensively households plan, the better prepared they are financially in terms of their likelihood of saving, investing and managing credit card debt. That in turn leads to higher effectiveness in saving, investing, and debt management, as well as higher confidence in managing their finances.
Additionally, while higher income households are more likely than lower income households to plan, more than half of comprehensive planners have annual incomes below $100,000.
"Low to moderate income workers usually don't have access to employer-sponsored plans," Brobeck noted. "But they do have access to saving accounts. Even if it's $25 a month, it will greatly help them. It's not about the amount so much as it is the behavior."
Extensive analysis of the four distinct financial planning profiles includes:
- Comprehensive Planners (19%): All members of this group have a comprehensive financial plan that goes beyond a simple household budget to cover things like retirement savings and insurance. Two-thirds (67%) of comprehensive planners used a financial professional with fiduciary accountability, specifically a certified financial planning professional or a registered investment advisor, to help prepare such a plan. These households have specific savings goals as well, with 88% having a specific plan for retirement and 80% having a plan for emergency savings.
- Basic Planners (38%): The large majority of basic planners (80%) have a plan for one or more specific savings goals, though only 35% have a comprehensive plan that organizes these plans, with another 31% saying they are likely to make a plan in the coming year. While two-thirds (66%) say they have a household budget, fewer than half (41%) say that budget is written down or stored in electronic format.
- Limited Planners (33%): A large majority of limited planners (69%) either have a household budget or a plan to address at least one individual savings goal – typically for retirement savings – but not both. And very few limited planners (11%) think they will make a comprehensive plan in the next year. But most (91%) either have no credit card debt or have a plan to pay off this debt.
- Non-Planners (10%): This group does virtually no financial planning. Nine in ten (92%) say they have no plan for any specific savings goal, and virtually none (99%) think they will create a comprehensive financial plan in the next year. They also are the group with the most difficulty managing credit card debt. Four in 10 have credit card debt that needs to be paid off and fewer than half with this debt have a plan to pay it down.
The higher one's household income and level of education, the more likely one is to engage in financial planning, the survey finds. Among comprehensive planners, close to half report annual household incomes of at least $100,000 and about half have a four-year college degree. Among non-planners, more than half half have incomes under $25,000 while more than two-thirds have a high school education or less.
But these correlations are far from perfect, the survey adds. The majority of comprehensive planners are middle class, it notes. In fact, a quarter have incomes below $50,000.
"The failure of middle-class incomes to grow is as big a problem as any facing the country today," Brobeck concluded.


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Remo 15" Ambassador Ebony Drumhead 2 Pack Bundle
The Ebony Ambassador heads are medium-weight heads made with a single ply 10 mil Mylar film to produce an open, warm and resonant sound with plenty of attack. Ebony Ambassador heads are ideal for batter and resonant heads for tom toms and are known as the standard of the industry for front bass heads.
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-We ship guitars via UPS Worldwide Expedited unless you request a different service. Arrival times may vary from country to country. Some large items such as bass guitars, drum kits, amplifiers, and speaker cabinets may not be eligible for shipping via USPS due to size limitations. Some brands cannot be shipped internationally due to manufacturer restrictions. Feel free to message or call us with any questions. - If you order contains Brazilian Rosewood, or any other CITES restricted woods, your shipment might be delayed due to Customs processing standards that CME is subject to as the shipper. All orders requiring CITES documentation must ship to the buyer's residential address. If your country requires CITES import permits, please work with your local Customs agency to obtain these permits prior to shipment. - We are unable to ship to Russia due to the current trade sanctions.
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*PLEASE NOTE: If your item was sent with Free Shipping (including Free Two-Day), the outbound rate will be deducted from your refund. This would not apply to items that are defective or damaged upon receipt, or there is an error on CME or the vendor's part. Restocking fees do not normally apply, less the product is returned with flaws, damage, or missing packaging/parts. If you decide you'd like to return an item, please contact the sales rep who assisted you, or our Customer Service team. You can submit a refund request here in Reverb with details, or reach out to us via message. We'll get back to you as quickly as possible with easy instructions on how to get your product back to us safely and efficiently. *Please ensure that the item is packed safely for the return shipment with the customer return authorization (CRMA) number clearly written on the box. Buyers are responsible for all return shipping costs, less the product is defective, damaged in transit, or otherwise not as described. *Some products are not returnable due to the consumable nature of the product, copyright reasons, or sanitary reasons. Some of the items include, but not limited to: guitar & bass strings, amplifier tubes, previously installed instrument pickups or speakers, drum heads, drum sticks, cleaning products, software, books, microphones, harmonicas, earplugs, earbuds, headphones, as well as any other products designed to come in contact with the mouth or ears.
REFUNDS: We strive to process all refunds within 48 hours of the return been received at our location. Credit card refunds typically take 1-4 business days to post to your account, but could vary based upon your bank's processing times. If you bought an item using Affirm financing, we offer full refunds for purchases. *For logistical reasons we are unable to offer returns on any transaction involving a trade, both in store and online. If you have any questions, we're always here for you. Feel free to message us or give us a call at 773-525-7773.
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Ari Shapiro
Ari Shapiro is a co-host of All Things Considered, NPR's award-winning newsmagazine.
He has reported from above the Arctic Circle and aboard Air Force One. He has covered wars in Iraq, Ukraine, and Israel, and he has filed stories from five continents. (Sorry, Australia.)
Shapiro was previously NPR's International Correspondent based in London, from where he traveled the world covering a wide range of topics for NPR's national news programs.
He joined NPR's international desk in 2014 after four years as White House Correspondent during President Barack Obama's first and second terms. In 2012, Shapiro embedded with the presidential campaign of Republican Mitt Romney. He was NPR Justice Correspondent for five years during the George W. Bush Administration, covering one of the most tumultuous periods in the Department's history.
Shapiro is a frequent guest analyst on television news programs, and his reporting has been consistently recognized by his peers. The Columbia Journalism Review honored him with a laurel for his investigation into disability benefits for injured American veterans. The American Bar Association awarded him the Silver Gavel for exposing the failures of Louisiana's detention system after Hurricane Katrina. He was the first recipient of the American Judges' Association American Gavel Award for his work on U.S. courts and the American justice system. And at age 25, Shapiro won the Daniel Schorr Journalism Prize for an investigation of methamphetamine use and HIV transmission.
An occasional singer, Shapiro makes guest appearances with the "little orchestra" Pink Martini, whose recent albums feature several of his contributions. Since his debut at the Hollywood Bowl in 2009, Shapiro has performed live at many of the world's most storied venues, including Carnegie Hall in New York, L'Olympia in Paris, and Mount Lycabettus in Athens.
Shapiro was born in Fargo, North Dakota, and grew up in Portland, Oregon. He is a magna cum laude graduate of Yale. He began his journalism career as an intern for NPR Legal Affairs Correspondent Nina Totenberg, who has also occasionally been known to sing in public.


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She may be a new mom, but Adele may have already forgot one very important step of the child-rearing process: registering your baby!
The "Rumor Has It" singer and her fiancé, Simon Konecki, allegedly failed to register -or make an appointment to register - their new addition within the 42-day limit, according to Britain's The Sun.
Adele welcomes first child
It's been 51 days since Adele reportedly gave birth, and the couple faces a maximum fine of 1,000 British pounds. The newspaper reports that the couple will soon likely receive warning letters, and if the birth hasn't been registered within three months, the registrar becomes liable and can be fined.
Adele announced her pregnancy back in June before giving birth sometime this fall, but few other details are known about her newborn son, including his name.
View original Report: Adele May Face Fine After Failing to Register Baby at TVGuide.com
Related Articles on TVGuide.com
Adele welcomes first child
Other Links From TVGuide.com


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NEW ORLEANS (AP) — In the aftermath of Hurricane Katrina, Venezuelan President Hugo Chavez offered to send thousands of soldiers, firefighters and volunteers to help with the cleanup. He also pledged $1 million in aid plus fuel to help rebuild hard-hit cities like New Orleans.
The offer, swiftly rejected, was part of a larger pattern: Chavez's repeated attempts to provide humanitarian relief to low-income and distressed U.S. families. Despite those efforts, he was never able to foster his image as a savior of the American poor like he did in Venezuela. More often, he was accused of orchestrating politically motivated ploys that in the end helped relatively few Americans.
"Many people questioned his motivation," said Eric Farnsworth, vice president of the Council of the Americas and Americas Society think tank. "Was this a true humanitarian gesture or was it an opportunity to stick it in the eye of the United States? I think many people in the U.S. thought it was the latter."
Chavez died Tuesday after a battle with cancer, ending 14 years of rule and leaving the oil-rich Latin American nation divided over his fiery brand of socialism. Vice President Nicolas Maduro will run Venezuela as interim president and serve as the candidate for Chavez's socialist party in an election that must be called, constitutionally, within 30 days.
While much of Chavez's socialist vision would have been in line with that of many American liberals, he never gained widespread admiration in the U.S.
Hollywood actor Sean Penn and director Oliver Stone praised him, but they were the exception, and many were hesitant to embrace a leader with military roots who shut down media outlets and abolished term limits.
Complicating any potential ideological synergy, Chavez had a combative relationship with the U.S. leaders that went beyond politics.
In 2006, he famously called President George W. Bush the devil in a speech to the U.N. General Assembly, saying the podium reeked of sulfur after the U.S. president's address. Chavez's inner circle has also claimed the U.S. was behind a 2002 coup to overthrow him. Yet across the years, he kept up a lucrative oil-export relationship with the U.S. while also spreading his petroleum-funded largesse around Latin America.
In 2005, Hurricane Katrina swept into Louisiana, busting federal levees, leaving New Orleans under a blanket of water and trapping tens of thousands in a chaotic landscape with no utilities, little food and a government that seemed unable to respond.
Chavez was quick to step in, offering a planeload of aid and criticizing Bush as "the king of vacations" for being at his Texas ranch when the storm hit.
"There were many innocent people who left in the direction of the hurricane," Chavez said in a speech. "No one told them where they should go."
Neither the U.S. government nor the state of Louisiana took him up on his offer. Bob Mann, who was communications director for then-Louisiana Gov. Kathleen Blanco, said he supported the state's decision because he believed the offer was motivated more by Chavez's desire to embarrass Bush than any humanitarian concern.
Looking back nearly eight years later, though, he might have chosen differently.
"In retrospect, I think maybe we should have taken the money because we didn't get the help we needed from the federal government," Mann said.
Chavez did make some inroads through his heating oil program; more than 1.7 million people have received oil from Citgo Corp. to keep warm during the cold winter months over the last eight years, according to the state-owned oil subsidiary. The program was initially rejected in many states, but has now helped families in 25 states and Washington, D.C., as well as Native American communities.
Former U.S. Rep. Joseph Kennedy II, who heads Citizens Energy, said Tuesday that Chavez cared about the poor at a time when "some of the wealthiest people on our planet have more money than they can ever reasonably expect to spend." A spokesman for Kennedy said Chavez and the people of Venezuela had donated about 200 million gallons in its collaboration with Citizens Energy.
Thomas Boswell, a geography professor at the University of Miami, said the amount of money and oil he contributed was too small to have a sizable impact.
Chavez's contributions "didn't really touch most of the poor in the United States," Boswell said, adding most Americans were unaware of Chavez's efforts.
There were many other reasons Chavez's populist message didn't resonate. In Venezuela, he could dominate the airwaves for hours on end. In the U.S., he faced a language barrier, among other hurdles. New York University professor Alejandro Velasco said Americans have long rejected the idea of a foreign country providing support to the U.S. population.
Velasco said Chavez's efforts to highlight the contradictions of the U.S. economic system were ultimately more successful in generating pride in Venezuela than gaining him a following up north.
While initially Chavez may have curried favor among liberals in the U.S., support had eroded over the last decade as he continued to takes steps against private property, the media and his opposition. His fierce rhetoric against the U.S. during the Bush administration also won fewer admirers when President Barack Obama was elected as the nation's first black president.
"It's hard to be a supporter of somebody today who is dismantling democratic institutions, from the left, right or center," Farnsworth said.
He added that Chavez's approach in Venezuela faced a different economic reality in the U.S. that proved to be a less fertile ground for shoring up political support. For example, Farnsworth noted the U.S. already has programs for the poor that include energy subsidies for heating oil.
Today, Hurricane Katrina victims are divided over whether the U.S. should have accepted Chavez's aid.
"I don't deal with that country. I don't know what they're about," said James Cager, 52, whose brick and stucco home in the Lower 9th Ward flooded to the rooftop. "If our government felt that it's not a good idea to take from them, then we have to go with that."
Others regret an offer to provide help in a desperate time was turned down. Mtangulizi Sanyika, 70, lived in New Orleans at the time of the storm and now resides in Houston. He said Katrina's victims weren't concerned with the ideological origins of the aid.
"An offer from Mr. Chavez may be multidimensional," Sanyika said. "Yes, it might be said he was seeking to embarrass the United States. On the other side, he could have been genuine."
Associated Press writers Stacey Plaissance and Kevin McGill in New Orleans, and Juan Lozano in Houston, contributed to this report. Armario reported from Miami.
Follow Christine Armario on Twitter at: http://www.twitter.com/cearmario .
Chavez's try to be savior of poor floundered in US
NEW ORLEANS (AP) — In the aftermath of Hurricane Katrina, Venezuelan President Hugo Chavez offered to send thousands of soldiers, firefighters and volunteers to help with the cleanup. He also pledged $1 million in aid plus fuel to help rebuild hard-hit cities like New Orleans.


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Moooo [choke]posted by Mike Coffey
ND had $11.2 million in cash (after expenses) from the Fiesta Bowl bid that the football team earned last season. Here's how the money was spent:
- $1.5m for retrospective purchases for the Library and other Library needs
- $1m to endow job placement services for spousal hires
- $2.7m for Jordan Hall equipment
- $2m to endow undergraduate need-based financial aid
- $2m to endow graduate student financial aid
- $1m to endow ten new undergraduate summer research stipends
- $500k towards architecture graduate student financial aid
- $500k towards MBA student financial aid
Setting aside for a moment (a) the ridiculous expenditure on "job placement services for spousal hires", (b) the spending of the same amount of money on graduate student financial aid endowment as undergrad endowment even though there are four times as many undergrads, not to mention the curious lack of the word "need-based" in any financial aid line items other than undergrad, (c) the expenditure on Jordan Hall equipment, a project that was supposed to be donations-driven, and (d) the departure of these windfalls thanks to the recent BCS negotiations (all of which could be blog entries in and of themselves), I can't help but notice not one dime of this surplus earned by an athletic team was reinvested into athletic endevors, while some sports are going hat-in-hand to University benefactors looking for the basic tools they need to succeed.
To be fair, the $11.2m was after what was deducted for bowl expenses and what was called "other athletic department allocations". Based on that math, out of $14.5m paid for the bowl appearance, $3.3m was spent on those bowl and AD expenses. Given that schools have either turned down or severely cut back on expenses when travelling to bowls that pay less than $2m, it's a logical assumption that's what was spent by ND to take the team/band/etc. to Tempe. That means $1.3m out of $12.5 -- ten percent of the total -- of athletics-earned money was actually reinvested into athletics.
Any businessman will tell you if you only reinvest ten percent of your money into your business, your business will most likely fail.
I'm not advocating 100 percent reinvestment and the creation of some kind of athletic fiefdom. I think it's excellent and appropriate that the money earned in athletics is invested to help the school -- after all, the purpose of a school is to educate. I just think it's equally wrong for a such a low percentage of reinvestment, especially when Notre Dame isn't exactly known to spend its windfalls wisely (see: Center, Performing Arts).
Let's say Notre Dame implemented a 25 percent reinvestiment policy for moneys earned by the sports teams after expenses. That still leaves three dollars for every four for the University at large. 25 percent of $12.5m is $3,125,000, which would be a nice contribution to the facilities upgrade funding. Granted, professor's spouses would have to find their own jobs (which I'm sure is a bewildering prospect in a job market the size of South Bend's) and there'd be 10 fewer "endowed undergraduate summer research stipends", but I think an improvement to the second-most used building on campus would justify that.
Besides, those strike me as the kinds of things donations should cover. Or so I've been told.
I've read estimates that ND clears up to $48m per year from football. Assuming that's true, 25 percent of that for one season would pay for just about every athletics capital improvement plan outside of the Joyce Center redo. And that's just one season.
In his email detailing the Fiesta Bowl expenditures, Fr. Jenkins said Notre Dame was "extremely fortunate to have at Notre Dame a spirit of cooperation and mutual support between our athletics department and the academy." Sorry, but I don't think that looks mutual at all. Athletics is funding a lot of things that look pretty specious, while they beg for infrastructure and salary improvements that would help them bring in even more money.
Businesses that are successful aren't used as cash cows. They're nurtured so they can continue to provide for the community. Feeding our cow cheap oats is not the way to go here.
Note: I've closed comments on this entry, feel free to reply to my "Mooo part Twooo" post


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In turn 4 people throw away three nuts from a pile and hide a quarter of the remainder finally leaving a multiple of 4 nuts. How many nuts were at the start?
A Latin square of order n is an array of n symbols in which each symbol occurs exactly once in each row and exactly once in each column.
Crack this code which depends on taking pairs of letters and using two simultaneous relations and modulus arithmetic to encode the message.
What can you say about the common difference of an AP where every term is prime?
a) A four digit number (in base 10) aabb is a perfect square. Discuss ways of systematically finding this number. (b) Prove that 11^{10}-1 is divisible by 100.
Peter Zimmerman, a Year 13 student at Mill Hill County High School in Barnet, London wrote this account of modulus arithmetic.
What is the units digit for the number 123^(456) ?
Learn about the rules for a group and the different groups of 4 elements by doing some simple puzzles.
Decipher a simple code based on the rule C=7P+17 (mod 26) where C is the code for the letter P from the alphabet. Rearrange the formula and use the inverse to decipher automatically.
Caroline and James pick sets of five numbers. Charlie chooses three of them that add together to make a multiple of three. Can they stop him?
Tom writes about expressing numbers as the sums of three squares.
An introduction to the notation and uses of modular arithmetic
Choose any whole number n, cube it, add 11n, and divide by 6. What do you notice?
Which numbers can we write as a sum of square numbers?
Prove that if a^2+b^2 is a multiple of 3 then both a and b are multiples of 3.
Find and explain a short and neat proof that 5^(2n+1) + 11^(2n+1) + 17^(2n+1) is divisible by 33 for every non negative integer n.
Peter Zimmerman from Mill Hill County High School in Barnet, London gives a neat proof that: 5^(2n+1) + 11^(2n+1) + 17^(2n+1) is divisible by 33 for every non negative integer n.
In this article we shall consider how to solve problems such as "Find all integers that leave a remainder of 1 when divided by 2, 3, and 5."
An example of a simple Public Key code, called the Knapsack Code is described in this article, alongside some information on its origins. A knowledge of modular arithmetic is useful.
Can you interpret this algorithm to determine the day on which you were born?
Find 180 to the power 59 (mod 391) to crack the code. To find the secret number with a calculator we work with small numbers like 59 and 391 but very big numbers are used in the real world for this.
We only need 7 numbers for modulus (or clock) arithmetic mod 7 including working with fractions. Explore how to divide numbers and write fractions in modulus arithemtic.
Prove that for every right angled triangle which has sides with integer lengths: (1) the area of the triangle is even and (2) the length of one of the sides is divisible by 5.
You are given the method used for assigning certain check codes and you have to find out if an error in a single digit can be identified.
Details are given of how check codes are constructed (using modulus arithmetic for passports, bank accounts, credit cards, ISBN book numbers, and so on. A list of codes is given and you have to check. . . .
What is the smallest perfect square that ends with the four digits 9009?
Find the values of n for which 1^n + 8^n - 3^n - 6^n is divisible by 6.
Find the remainder when 3^{2001} is divided by 7.
What are the possible remainders when the 100-th power of an integer is divided by 125?
Suppose an operator types a US Bank check code into a machine and transposes two adjacent digits will the machine pick up every error of this type? Does the same apply to ISBN numbers; will a machine. . . .
Add powers of 3 and powers of 7 and get multiples of 11.
On a "move" a stone is removed from two of the circles and placed in the third circle. Here are five of the ways that 27 stones could be distributed.
What remainders do you get when square numbers are divided by 4?
How many different ways can you arrange the officers in a square?
What day of the week were you born on? Do you know? Here's a way to find out.
You have worked out a secret code with a friend. Every letter in the alphabet can be represented by a binary value.
Ask a friend to choose a number between 1 and 63. By identifying which of the six cards contains the number they are thinking of it is easy to tell them what the number is.
Show that there are infinitely many rational points on the unit circle and no rational points on the circle x^2+y^2=3.
Time for a little mathemagic! Choose any five cards from a pack and show four of them to your partner. How can they work out the fifth?


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City Council Agendas - 2014-10-07 City Council Meeting Agenda
Brief Description -
The City Council will meet on Tuesday, October 07, 2014, beginning with a Work Session at 6pm in the Council Conference Room followed by the Regular Session at 7pm in the Council Chambers.
Both areas are located at the Jim Baugh Government Center (City Hall), 211 E. Pleasant Run Road, DeSoto.
This archive is a document file. Click on the link below to open it, or right-click to save the document or open it in a new window.
2014-10-07 City Council Agenda.pdf
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Some files located here may require the use of Adobe Acrobat Reader. The link provided will take you to the Adobe site where you can download the latest version.


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Disney Lilo & Stitch Soap Set
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* This offer may contain time-sensitive information and offers. Please check with Hot Topic to confirm actual price & availability.
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Online donations to U.S. nonprofit groups are growing much faster than other types of gifts, according to new research by The Chronicle of Philanthropy.
The Chronicle found that online donations in 2012 grew to $2.1 billion, a 14% increase from the previous year, based on information provided by online-fundraising processors Blackbaud, Network for Good and PayPal.
Online giving to the country's biggest charitable groups also grew by 14%, it said.
Meanwhile, the Chronicle noted, total donations grew only 3.5%, or 1.5% adjusted for inflation, according to Giving USA's yearly study.
Notwithstanding continued growth, online giving still accounts for only a small fraction of most charities' budgets. According to the Chronicle's research, the median share is just 2.1% of all donations from private sources for the large charities surveyed.
That's changing. Nearly three-quarters of the groups surveyed had a goal for online donations to account for more than 10% of their overall fundraising efforts in coming years, and about a fifth expected Internet gifts to account for as much as 20% of their overall donations.
The Chronicle study found that many nonprofits were increasing their online revenue by persuading people to make gifts monthly, quarterly or over another set period.
Six groups reported earning at least half of their online-giving totals from people who had committed to monthly or other regular withdrawals from their bank accounts or credit cards.
Some nonprofits achieved big gains last year by enlisting their supporters to reach out online to friends and relatives. Others focused their online efforts on young donors.
Respondents also reported that they were attracting more large gifts. The University of Texas M.D. Anderson Cancer Center received $1 million, its largest gift online, while six other groups reported at least one gift of $100,000 or more online.
Check out Charity Donations Rose in 2012: Giving USA on AdvisorOne.


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1994 Saturn SC1 Recalls
The National Highway Traffic Safety Administration (NHTSA) has issued 1 official recalls for the 1994 Saturn SC1. Recalls don't cost anything to get fixed, but those free repairs may only be available for a limited time. If your vehicle is affected:
- Find your vehicle's identification number (VIN)
- Write down the recall's NHTSA ID and/or manufacturer's recall ID
- Call your local Saturn service center as soon as possible
Keep Up with Everything SC1 Related
Get FREE email alerts from CarComplaints.com anytime something new pops up about the SC1. Simple as that. Learn about the news before others. Impress your friends. Be a hero.


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National Editor
We strongly recommend the above form, doing so will log a ticket into our customer support dashboard so that your issue can be tracked and directed appropriately. But if that simply will not do. You may reach out to us directly.
Customer Support Phone Numbers
For all inquiries: (512)-270-2356
General Customer Support Email firstname.lastname@example.com
FloSports HQ
979 Springdale Rd
Suite 120
Suite 120
Austin, TX 78702
FloSports Orlando
2180 West State Road 434
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Longwood, FL 32779


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Microsoft Build wasn't all about Microsoft this year; well, that's not true, obviously it was, but a few "Microsoft approved" partners got a look in, too. Amongst the sanctified this year was Perfecto Mobile, with its public preview of a MobileCloud for Visual Studio Plugin for testing mobile apps on real devices inside Visual Studio.
Perfecto argues that by extending Visual Studio with its MobileCloud product, developers can execute manual (and automated) tests on "real mobile devices" directly from Visual Studio.
Software application developers are able to use C# and manage device automation control with Microsoft Team Foundation Server (TFS).
The company sells its wares based upon a promise of this being a "significant jump start" for .NET web teams transitioning to mobile.
"By utilizing the MobileCloud Platform, Visual Studio [developers] can use existing expertise and write automation tests in C# that are executable across any mobile operating system (Android, iOS, Windows Phone) or app style (web, native, hybrid), all with a single test script. Users have instant and always-available access to globally distributed real devices to support testing throughout the code-build-test cycle," said Eran Yaniv, CEO, Perfecto Mobile.
Perfecto's software provides always-available devices-as-a-service and mobile-ready automation directly from within Visual Studio. Combined, these two capabilities deliver cross-platform mobile app testing that is fully managed by TFS.
Microsoft is apparently happy to back Perfecto's claims to fame and says that Perfecto's Mobile App Quality Platform is a "valuable complement" to Microsoft's suite of mobile development, testing, and ALM tools.
Mitra Azizirad of Microsoft has said that, "By providing extensive mobile test coverage with its globally distributed, mobile device cloud, MobileCloud for Visual Studio empowers development and test teams to deliver better mobile apps faster and meet customers' quality expectations."
MobileCloud for the Visual Studio solution allows accelerated testing so teams can execute unattended automated testing on remote iOS, Android, and Windows Phone apps without requiring USB connections or driver downloads. System-level control of devices under test enables full interoperability testing (e.g. call, text, change settings).


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Alex Lopez had the ball up top and dribbled the clock down for Montezuma-Cortez to play for the last shot. The speedy point guard then found a wide open Tallon Ralstin beyond the arc on the right side.
Perhaps Ralstin was a little too wide open in the final seconds, as if the Fruita Monument defenders were daring him to shoot.
Not known for his outside shot, Ralstin squared up and let the basketball fly.
"When he passed me the ball, I didn't even think about it. I just shot it," he said.
The home crowd was gradually leaning off the edge of its seat, holding a collective breath as the orange, leather sphere rotated through the air. Then, the shot fell - swish!
"After it went in, I realized, that we went up, and everybody was yelling and it was awesome," Ralstin said.
Fruita's buzzer-beating desperation 3 fell well short of the rim and pandemonium ensued inside Ron Wright Memorial Gym on Saturday afternoon.
The Panthers erased a 58-47 fourth quarter deficit and finished the game on a 15-1 run to win 62-59.
"They're starting to believe," M-CHS coach Cory Gropp said. "We're starting to gel together. I can't be more proud of these boys. They're starting to get that mental toughness."
Call em the comeback kids.
Montezuma-Cortez trailed Grand Junction Central by 11 points Friday night at the half and was down five in the fourth quarter. The Panthers rallied back and beat the Warriors, 46-44.
"These past two wins, is showing that we're starting to believe that we're a great team," Gropp said. "This is a great winning streak that we're going on and hopefully, we can carry it over."
The Panthers (5-11, 2-5 5A/4A Southwestern League) returned home to Montezuma-Cortez High School for the first time in nearly two months.
It was indeed home sweet home, as these Panthers are learning how to win and kept their postseason hopes alive and well.
"We set a goal before the season, that we wanted to make playoffs," Gropp said. "I firmly believe that we're going to do it."
Down 11 in the fourth quarter to 5A Fruita (8-13, 2-6 SWL) on Saturday, the Panthers rallied.
Seniors Lopez, Ralstin and Briston Walker sparked a 12-1 run to knot the score at 59.
Wildcats center Spencer Fair kicked the ball, turning over possession to the Panthers with 31 seconds remaining.
Gropp called timeout to setup the final play.
The defense closed in on Lopez when he dribble drove up the middle before kicking it out to Ralstin on the right wing.
The play worked.
M-CHS went 1-2 against Fruita this season, losing the two previous contests by a combined score of 139-78.
"All four years that I've been here, we've never beaten them. This is my first time. It's awesome," said Ralstin about knocking off Fruita. "It tastes sweet."
The Panthers opened the game on a 9-2 run and led by as many as 11 points in the first half. But back came the Wildcats behind Fair and Grant Stagg.
Fruita trimmed the Panthers' lead to one at 34-33 at halftime.
The Wildcats quickly grabbed their first lead to start the third quarter and didn't trail again, until Ralstin's winning 3.
M-CHS kept it close and was only down 49-45 at the end of the third. Brackin Whiteskunk put back a Konnar McGee miss to bring the Panthers within 49-47, before Fruita went on a 9-0 run. M-CHS then countered with its game winning run.
Whiteskunk had a team high 16 points, While Ralstin and Lopez recorded 15 apiece. Walker chipped in 10.
"Tallon missed a couple shots that were really close. But that shows a lot of his character, that he had the confidence to hit that 3," Gropp said.
Fair led the Wildcats with a game high 19.
On Friday, the Panthers trailed 5A Central (8-12, 3-4 SWL) 14-8 after the first quarter. M-CHS couldn't get its offense in rhythm and the visiting Warriors led 24-13 at halftime.
Behind Whiteskunk and Lopez, the Panthers battled back in the third quarter to trail just 29-24 going into the final stanza.
Down 31-24, M-CHS went on an 8-0 to take the lead after an old fashioned three-point play by Whiteskunk. The teams played back-and-forth from there.
M-CHS grabbed the lead for good at 42-41 at the 1:30 mark off a Whiteskunk layup.
Lopez finished with a game high 17 points and Whiteskunk scored 11.
"At halftime, coach said, 'Play like the team you can be'" Lopez said. "We came out the second half and played like we know we could. We're starting to believe we can play with these guys. We're starting to work harder and everything is starting to click."
The Panthers stay at home and welcome the rival Durango Demons tonight at 7.
"It's our biggest game of the year," Gropp said. "Everybody comes to this game. It's going to be nice to be at home. The boys feel good at home and we just got to keep playing like we have."


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