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Overall User Interface
1. The menu bar on the Mac makes no sense. It is based on 1984 technology when only one program ran at a time, so every window on the screen belonged to the same program. This approach is ridiculous today when it's not uncommon to have 15 or more programs running at once, each with several windows, spread across a multiple monitors. For example, I keep Skype and Adium windows open on the far right of my external monitor. To edit a Skype setting, I must navigate to the opposite side of the desktop, across two entire screen widths, just to reach a menu option.
For example, consider how Apple might improve a basic kitchen setup, where they've heard complaints of people not knowing where to find controls for their appliances.
That's right: the controls for every kitchen appliance should really be in one place –no matter how far from the actual appliance– so that people always know where to find them!
(It's hard to tell in this picture, but those dials are actually changing the microwave (to left of the picture), since thats the last appliance the chef touched. A small line of 12-point text explains which appliance is currently being controlled. It's so intuitive, and the extra steps to walk across the kitchen are a small price to pay for always knowing where your controls are!)
2. Menu actions take effect on the "topmost" window of an application, but in an age of multiple screens, this is often ambiguous. If I have two screens, and each screen has a window sitting on top, which window is the one I'm operating on?
3. Ghost programs. Program can be running but with no windows, existing only as menu bar. Furthermore, when no windows for an app are open, you get the nonsense situation where many menu actions (E.g. "New Folder" in finder) make no sense at all.
4. Confusing situations when menu bar of window-less app is showing over window of other program. The natural instinct is to think that the menu bar relates to the window which is filling the screen, but the interface leads you astray.
5. No copy-n-paste from calculator widget or dictionary, or any widgets. Just today I needed to calculate the number of seconds in 2 years. It was easy to do use the Mac calculator and even get the answer: 63,072,000. But it is impossible to copy that answer into my file. Not only that, but it is also impossible to look at the calculator to transcribe the answer! The only solution is to write the answer down with a pen, or two flip back and forth to insure you remembered it correctly. Glad to have a $2K laptop for this. (See here for more info)
6. Undraggable. It is impossible to drag something (like a file from Finder) to an application which is not currently visible. You must carefully arrange windows ahead of time so that both are visible. In Windows. you can drag to a program in the task bar, which then will bring that application window to the front. (Furthermore, in Windows when you drag to the task bar, you can even select from multiple windows of the application.)
7. The only hint that application is running is a few glowing pixels below it.
8. Impossible to perform a double-click and drag (or triple-click and drag) from the touchpad without using the button.
9. No Home or End Keys on Keyboard. Now before you start screaming about using Command-left and Command-right, simmer down and listen for second. The problem is these combinations don't always work as Home/End, and this inconsistency is enough to make them useless. E.g. in Firefox, Command-left/right are also the shortcuts for navigating forward back/back pages. In Entourage Command-left/right means to jump forward or back by a word, not the entire line. In Terminal Command-left/right means to switch between windows. In Adium Command-left/right switches between Tabs. And in Google Docs, those key combinations don't do anything at all. It is up to every program to decide if they will offer this super-duper feature, and to decide what key combination to assign. In Entourage, it's Function-left/right. In the built-in Terminal program, you can only use the oh-so-intuitive Ctrl-A or Ctrl-E.
10. Lack of error reporting overall. E.g. No way to know when you have mis-configured exchange in address book and iSync. If you do enter password or any setting wrong, it just does nothing.
11. Multiple confusing ways of installing applications. Disk images, install programs, disk images with "drag this" instruction pages, install programs on disk images, Stuffit archives, Stuffit archives of installers, and god knows how many other permutations. All I know is that I always end up with disk images left over all over the place. And by the way, it is not at all intuitive that within a "disk image" you should have to drag one icon ("the app") to another icon ("applications") in order to install a program on your laptop. Sometime try explaining this technique to your parents or a non-technical peer sometime.
12. Can't navigate buttons in dialog box with arrow keys (e.g. switching between "ok" and "cancel") CORRECTION: You can, but have to turn this option on. (Learn how here.)
13. Can't access dialog elements with keyboard shortcuts. Must use the Mouse or Tab-Tab-Tab-Tab-Tab-Tab-Tab-Tab-Tab-Tab-Tab-Tab to get around. Ridiculously slow way of navigating complex dialog boxes that you must use often. (E.g. The Find/Replace box in Eclipse.) In contrast, Windows dialogs may be quickly navigated by pressing Alt in combination of the underlined letter of the field.
14. Many (most?) lists cannot be navigated with arrow keys. Again you are forced to use the damn mouse for a task where keys are much better. The frustrating thing here is that works in some applications.
Want to go through a list of 500 fonts? Yep, you gotta click on each one in turn, and don't forget to play with the little scroll bar to move new items into view. Ugh.
15. No auto-resize of columns. You can't double-click a heading divider boundary (e.g. in a list of files) to have it expand to show all items. E.g. in Finder when a column is too narrow, you should be able to double-click the column divider which expands it big enough to show all data in the rows. In Mac you have to drag the column manually, which sometime means also having to re-size the window first. It should also remember the size when you change it.
16. Lack of OK and Cancel buttons in preference boxes. No way to undo when you know you messed up some setting but don't remember how it was. For example, when I was midway through changing email settings and then realized I was editing the wrong account. Oops! No way to get back the values I'd changed. And in any case, merely clicking the close button just feels wrong, and trains people the wrong way. (This is not the right behavior when editing a spreadsheet or document, for example!)
18. Minimizing creates confusing flow. Minimizing window takes it completely out of alt-tab cycle. it appears only unreadable thumbnail. No way to minimize a window just to see window below. More on this later.
19. No universal keyboard shortcuts. Every menu bar option in Windows interface is accessible via the Alt key. On Mac, if menu has no defined keyboard shortcut, you're SOL unless you take the time to manually add one. Correction: It is possible (learned about it here), but combination is l-o-n-g: FN-CNTRL-F2, letters of menu, down-arrow, letters of command, ENTER. For example, in Firefox let's set the Zoom option to "text only":
- Windows: ALT-V, Z, T
- Mac: CTRL-FUNCTION-F2, V, ENTER, Z, ENTER, DOWN, DOWN, DOWN, ENTER.
20. Font bluring is lame. Kindofa preference, but small fonts are still more readable under windows. MS smooths fonts to pixel boundaries, so small fonts look readable. No luck on mac. See here and here.
21. Zoom/Maximize button is absolutely ridiculous, as is the whole stoplight analogy. In iTunes, the "+" button actaully shrinks the window. In Finder, the behaviour is completely random, other programs expand to only most of the screen. This is a long-standing problem that many have complained about.
22. Confusing situation with programs that exist only as icons on menu bar. E.g. Mozy: Sometimes it shows a modal dialog box, but this box doesn't show up in the Command-tab flow, nor does it show up in Exposé. And yet, the program is halted (and all menu items disabled) waiting for my response. For months I thought the program had crashed and force-killed it. One day with relatively few programs running I accidentally noticed the dialog box hiding there under all the other windows.
23. Dialog boxes lose focus all the time, and you never see them. For example, when creating account on iTunes with Firefox, the "launch app" window gets hidden by default.
24. No icons for shortcuts in browser. Note that they actually removed this feature. I thought macs were about being graphical? Back in 1984 Apple was explaining "icons" to the world and how useful they were. But now they've decided that shiny interfaces look better without your icons messing it up the vibe. You're stuck with text.
Here is my browser toolbar in Windows:
And here it is on the Mac:
Instead of 19 shortcuts that I can identify immediately from an icon, I have 9 shortcuts that I have to parse as text. Blah. (Happy to note that Google Chrome for Mac, released for Mac last week, does show icons.)
25. Strange browser tab UI: why does the tab connect upward to the favorites bar? This makes no physical sense.
Call me old fashioned, but I have seen actual physical folders existing in the real world. Yes they do exist. And in my memory, they look something like the image below. Observe the fine detail of how the folder title is connected to the folder itself.
Apple engineers are smart, but I think they remember folders working a little differently than I do. Or perhaps they grew up somewhere that used a different kind of folders? Ones that looked more like this, perhaps:
For example, here's how tabs are shown in Safari:
(Again, Google Chrome for Mac gets this right.)
Finder and Files
26. No option to Cut files in Finder, only Copy. A pain when trying to move a large number of hand-picked files to a new location. Again, you're forced to mess with the mouse and multiple windows and dragging: the only way to copy files is to open and strategically arrange two finder instances. And really, why did they bother to implement "Copy" if they had no intention to implement Cut?
27. Renaming files only possible from time-consuming mouse gesture. "Rename" is not a possible action from the right-click menu. Nor is there any keyboard shortcut. Nor is there a menu option. Nor is there an entry in a help file somewhere. One must just know that the correct action is "click-once and wait 2 seconds".
28. No* way to copy-n-paste your current path. So frustrating when you can see it in window title! (This guy is amazed to discover that this is useful )
*Correction! It can be done by following these simple steps:
- Select a file
- Go to finder menu
- Select "services" submenu
- Now select "textedit" submenu
- Now select "New window containing selection"
- Wait this for app to load
- Press Command-A to select-all
- Press Command-C to copy
- Close the textedit application.
- And now you have the path copied! Wasnt' that easy and fun?!
As a general note, on the Mac I find myself writing down or trying to memorize long paths all the frickin time. So sick of this.
29. Mac Laptops cannot perform a right-click-and-drag, as they have no physical right button. (In Windows explorer, this allows you to drag files and then specify whether they will be copied or moved. Other programs use right-drag in other ways.)
30. Can't search external drives. I have an external hard disk with many gigabytes of music in a folder called "Music", sorted into many subfolders. I plug it in, try to do a search for "gabriel". But guess what? I ask the impossible!! Yep, this powerful Mac can only look for files that it has pre-indexed. How friggin retarded is this? Earth to Apple: finding files should not be a problem for a GUI in the 21st century. (Note: some have suggested that this is because the drive was formatted for Fat32. But (1) that's still no excuse for inability to do a simple file search and (2) if that is so, a message saying "I can't do that" would be preferable to saying "Zero items found.")
31. "Move to Trash" is confusing. First word of menu is "move", and "moving" files is not what you're thinking of. Minor, but annoying.
32. Right click doesn't show all available options available on the target. You just have to know that some things are in the right click menu, some things you have to find in the menu bar, and some things are only available as mouse gestures.
33. Cannot permanently delete an individual file. (See this applescript hack.) In Windows this magical feat is accomplished by holding the Shift key while deleting. (See here)
34. Can't right-click file to email it. Not even a menu option. You must open a mail program, and navigate the file system to re-find the file which you have sitting right there in front of you.
35. Can't right-click file to print it. Not even a menu option. Again.
35. Apple's Mail Application is always default for sending mail. Preview has a handy menu item, "Mail Image." Too bad Apple decided that the only mail application you can use is their own built-in Mail. Thanks Apple! Even more bizarre, Apple does let you change your default email reader. (See here) So, you may read emails in any app you like, but you are expected to send all your email from Apple's. Great. Awe-some. (Microsoft pulls this kind of crap too, of course. But for at least the last five years you've been able to change your default email program.)
36. No shell extensions. Finder has only a few feeble means to be extended, so there is nothing like Tortoise, or "open-command-line here", or resize images, or 7zip compression.
37. Impossible to move mp3s from Documents to Music folder. Finder always wants to copy. No way to force it to just move, without going to command line.
Open/Save Dialogs
38. Open/Save Dialogs suck big time. From an Open/Save dialog, you can't re-name an incorrectly named new folder, or move an incorrectly placed new folder. One wrong bit of typing, and the only way to fix it is (yet again) to open a finder window and navigate your way through the file system back to where you already are in the dialog.
39. Can't add columns of info when opening files. E.g. when trying to upload photos to WordPress, the "Open File" dialog box shows only "Name" and "Last Modified", but what I really need to know is the size of each file. However, there is no way to show this information. Only way is to select "Get Info…" on each and every file. One. At. A. Time. Argh! Other useful categories include "Date Created", "Resolution", "Song Length", etc… (And of course, there is also no way to jump from the dialog to Finder, as a simple "Explore Here" option in Windows will do.) See here.
40. Doesn't remember your selected files when switching views. For example, in Icon mode you start Command-clicking a few thumbnails of files to upload. Then you need to switch to list view to check a date. (See above.) Well, thank goodness that clicking lots of little file names is so much fun, because after switching views you get to do it all over again! Hope you remembered them all!!
41. Can't perform common operations in a dialog. For example, to preview or resize images before uploading, or compress large files before emailing, or rename, whatever…
Look at what happens when you right-click a file in an Open/Save dialog in Windows:
Behold! The amazing ability to manipulate files when you see them! And lo, even to rename, compress, or re-size them as needed before emailing. Behold! The amazing ability to see the sizes of more than one file at a time! What terrible genius dwells in Redmond that gives Windows XP such truly awesome and fearful powers?!
42. Not extensible, e.g. no revision information. Mac does not allow extension of how files are represented, which means tools like Tortoise simply cannot exist. If you've never used it, you don't know how much time you've wasted by not seeing at-a-glance which files have been changed in your repository from any program, not just an IDE.
For example, if I'm editing some images in Photoshop or whatever, I wonder which one of these files has been modified since the last commit?
In Windows the task is a teensy bit easier, as you can see.
The main point is not so much to sing the praises of Tortoise (which is a great program) put to point out that Mac OSX cannot be improved, cannot have better tools, since it cannot extended.
43. Thumbnails are tiny, and no way to preview at full size; the tiny icon thumbnails are tiny and un-reiszable and only can be seen in impractible icon view. Nor can you right-click to preview the file. (See below.) For good measure, Files can only be viewed in alphabetical order when you are in icon view.
Quick: Can you spot which of these thumbnails is different?
Here is the same dialog box in Windows. Woa, look at the size of those thumbnails!! It's like you might actually be able to see what's in the picture. And lo and behold, what's that?? With a mere right-click, you can actually preview the image full-size if you like. Or rotate it, or resize it. All this, and you don't even have to write down the path on a scrap of paper so you can re-navigate to the file in Photoshop.
And speaking of Photoshop. Is it any wonder that Adobe ditches the usual Mac open/save dialog box and replaces it with it's own, which looks remarkably like Windows?
44. Impossible to open hidden files from an "open file" dialog box. For example, today in an emergency I needed to upload a ".htaccess" file via a web interface. It was impossible to so. The time-consuming workaround was to rename the file locally to remove the '.', uploading it, then renaming it back both locally and on the server. Ugh. See full description here. (And again, it is impossible to rename the file from within the upload window, so I had to open an instance of Finder and re-navigate to the obscure directory that I was currently working in.)
45. Interface inconsistencies. Hitting "Enter" to open a file works in an "Open" dialog box, but not in Finder where opening is "Command-O" and enter means "Rename".
46. When typing file name in "Save Dialog", it doesn't auto-complete with existing filenames. Sucks when you have a long file naming pattern that you want followed. (E.g. printing PDF's of everything for my Berlin Trip.)
Applications and Windows
47. Alt-tab only goes through applications, not windows. This small difference makes a huge negative impact on power users. Takes longer and is more complicated to find an old window that you need. To illustrate, I mapped out the routine that I and other power users go through hundreds of times a day: Switching from one window to another using the keyboard.
48. Alt-` has behavior that is completely different from Command-Tab: Alt-` is used to switch to windows within an application. However, instead of returning to the last window used (as Command-Tab does with applications), it cycles through all windows in order. So if you have 20 windows open in an app (not unheard of to have that many open in preview or terminal) then you would have to hit Alt-` 19 times to get back to the window you were just on! Just today I was trying to copy bits of a webpage in one browser window into a blog compostion in another window. Unlucky for me, I had 5 other browser windows open. So each back-and-forth required hitting Alt-` 5 times, and running completely counter to Command-Tab behavior we're all accustomed to.
49. Alt-` brings all other windows to the front. E.g. in phpMyAdmin, trying to cycle between an "Edit SQL" window and the underlying results (so you can compare your query and the results side by side) is impossible if you have any other brower windows open.(Same thing when in Entourage you're trying to keep the main window open in background while edited an email — impossible if you have any other email windows floating around, because they always come to the top also when you hit Alt-`)
50. Weird side effects with unwanted windows coming to the top. E.g. if multiple terminal windows are open, and you need to read info in browser while typing in ONE of them, all of them will appear, covering your browser. Example: In browser, click to download a pdf file or something. It loads in preview, you take a look, and then you close it. Of course, you'd exepect to be back in the browser where you were. But no! Because now that you are in Preview, all the other random preview windows have now come to the top. Confusing! It's as if you're working in the kitchen and take out a screwdriver to fix a loose door, but when you set the screwdriver down, suddenly you are surrounded by everything from the garage that you recently used a screwdriver on.
51. Exposé is not a substitute. A lot of Mac people don't get this, so let me say it again: If you are working fast, you do not want to mess with a mouse. And if you are really doing a lot of work, you're going to have a ton of windows open and then they all look the same. Can you tell the difference between a pdf, Word, and blog version of the same document at this scale?
52. Tools like Wich try to cover this limitation, but bog down if you have too many windows. (Wich would slow to 5-10 seconds when tabbing between 20 windows.)
Missing Tools
53. No Tortoise. SCplugin is nowhere close. And the true lack of shell extensions means that it can *never* work in Open/Save dialogs like Tortoise does.
54. No good NetDrive equivalent. (Mapping FTP to the file system.) MacFusion is buggy as hell, and even when working, takes several *minutes* to work on folders with sizable number of files.
Physical Defects
55. Always plays the startup sound even if volume was turned off and *even if headphones are plugged in*. In other words if you have to re-start your laptop while in a meeting, there is NO WAY to avoid blasting the room with that sound and looking like an idiot.
56. Bad ergonomics of Macbook: keyboard too close to screen, too far from front edge. This puts sharp corner of edge directly on the wrist.
57. Limited Screen Tilt. Screen only reclines to about a 60 degree angle. Thus making it impossible for even slightly tallish people to ergonomically position their hands at the keyboard without hunching their back to view the screen. (Elbows should be bent nearly at 90 degrees, with forearms level to the floor. See here. )
58.Keyboard and surface are completely flat so very uncomfortable to type on with sharp edges that your wrist rests on. (I guess this is why so many mac users use those little tilt gadgets to increase the angle?)
59. Goddam a MacBook Pro gets hot! Could burn my left knee to a crisp.
60. No equivalent of right-click key on keyboard. (Windows has a key on right side of space bar.) Again, you are always forced back to the mouse, slowing you down.
61. No key combo that will quit any application as Alt-F4 does in Windows.
63. With trackpad, cannot select by word. Correction you can but it only works in some programs. E.g. works in Safari but not Firefox.
64. Most programs that have a Mac version, it is incredibly crippled or behind in features. Picasa doesn't have Geotagging, Mozy is missing most options, Chrome is unstable, etc…
65. Poor supply of good free apps, and Mac apps are always more expensive. Compare the paltry but expensive TextExpander ($30.00) with the much more powerful AutoHotKey (Free).


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2014 Animals
12 designs by myzoetrope
All designs by michelle cavigliano
Hello! I am an Illustrator and Designer, in Rochester, NY, who loves to create quirky and happy art that will make people laugh and smile and surprise them with silliness! I'm a strong believer that people should be surrounded by things that inspire them,

subset: commoncrawl


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(Pocket-lint) - The HTC Flyer, first launched at Mobile World Congress in Barcelona, was white, came with 3G capabilities and was to be made available in the UK some time in the summer.
But that's Europe. In America they like to be different. So the white HTC Flyer will be available as a Wi-Fi-only version exclusive to Best Buy, while a 4G version will be available exclusively on Sprint.
Of course, if you're going to back an exclusive model you want it to stand out from the crowd, so people know you can be connected without having to search for a Wi-Fi hotspot.
In steps the HTC EVO View 4G a black and red version of the Flyer, announced at CTIA 2011.
Technically, apart from the blisteringly fast access to the Internet speeds, the HTC Flyer and the HTC EVO View 4G are identical, however we can't help feeling that the black and red paint job, just looks that little bit meaner, and therefore that little more "bad ass".
Like the HTC Desire S the HTC View 4G is a coloured aluminium and is well built and looks solid - we weren't able to touch it - and is certainly capable of standing some gnawing with your teeth.
For those not aware of the specs you'll get a 7-inch 1024 x 600 touchscreen display with pinch-to-zoom, a 1.5 GHz Qualcomm Snapdragon processor and the latest version of HTC Sense.
Around the back you'll get a main 5-megapixel auto-focus camera with HD-capable video camcorder and around the front a forward-facing 1.3-megapixel camera.
Like the HTC Flyer in the UK you'll get the ability to turn the View 4G into a 3G/4G Mobile Hotspot supporting up to eight Wi-Fi enabled devices simultaneously. However unlike the Flyer in the UK you'll also get Blockbuster On Demand to rent or purchase the hottest new releases on the same day they become available on Blu-ray and DVD.
Other features include 32GB internal memory, 1GB RAM, microSD slot (supports up to 32GB memory card), Wi-Fi b/g/n, Bluetooth 3.0, Integrated GPS, and a 4000mAh Lithium-ion battery.
The HTC View 4G will be available sometime over the summer.
- HTC Flyer interface walkthrough


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In August Master Gardeners offer workshops on hostas, insect safari
Sussex County Master Gardeners will offer two workshops in August. On Tuesday, Aug. 13 at 1 p.m., Master Gardener Vickie Thompson will conduct a workshop on hostas. Learn about these easy-to-grow, shade-loving perennials known for their beautiful foliage. See examples of several different colors, sizes and leaf styles. Also, become familiar with the many uses for this plant in containers and in the landscape. There will be information on how to plant and care for hostas and what to do when insects or disease attack.
Grownups, kids and grand kids will enjoy a workshop scheduled for Thursday, Aug. 22 at 10 a.m., "You Just Have To Look for Butterflies and Other Interesting Creatures in the Garden." A lively presentation and a storyteller will lead up to a jungle safari through the Master Gardeners Demonstration Garden. Bring the children or come by yourself.
Both workshops will be held at the Elbert N. and Ann V. Carvel Research and Education Center, 16483 County Seat Highway, Georgetown, Del. You must pre-register by contacting Tammy Schirmer at 302-856-2585, ext 544, email@example.com. or http://extension.udel.edu/lawngarden/. These workshops are free. Come early or stay late to enjoy the Demonstration Garden behind the building.
Master Gardeners are working volunteers and are supported by Delaware Cooperative Extension through the University of Delaware and Delaware State University Extension offices. It is Delaware Cooperative Extension's policy that that no person shall be subjected to discrimination on the grounds of race, creed, color, sex, age, religion, national origin, sexual orientation, veteran or handicap status. If you have special needs that need to be accommodated, please contact the office two weeks prior to the event.


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Short film: "Living and working in Austria"
A strong export industry, numerous international companies and organisations, over 400 market leaders and an innovative research scene all combine to offer attractive career prospects for talented international individuals. With a dynamic labour market, one of the world's best welfare systems and an exceptionally high standard of living, Austria is an attractive place to work.
Thanks to the free movement of workers in the EU, the Austrian labour market is completely accessible to EU citizens. Austria also offers attractive migration opportunities for people from non-EU countries with the Red-White-Red card. Additional measures to simplify processes have been established for international students graduating from Austrian higher education.
The film offers an overview of what Austria can offer international talent as a place to live and work and includes reports from people who live and work in Austria.


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Posts tagged windmill lane studios
Hello from the road
Oct 2nd
Hi All,
Sixteen shows into the 2013 Mythology tour concludes our Canadian leg and has been a wonderful start to our new project. Recording Mythology over a year ago now was one of the most fulfilling and enjoyable projects I've ever been a part of. Taking Mythology on the road and performing it to hundreds of thousands of people was the real test… From the first show in Abbotsford Canada I was on a complete high as a standing ovation at the end of the show filled the arena. It brought mixed emotions of pride, satisfaction, relief and being very happy to have got through the first show remembering all of the details!
We have now finished the Canadian leg of our tour and have just started our US leg being very excited to share our new music with all our Celtic Thunder fans, new and old. It has been quite a whirlwind year so far, spending so much time back at base in Ireland was really nice to be with family and friends so often but it proved to be one of the busiest years I have had… It was time to start a new project, one that myself and my friend and partner in crime Mr. Ryan Kelly had been talking about for quite some time… The "Acoustic by Candlelight" album. Whilst touring in Australia, US and Canada 2012 we had been asked if there would be an "ABC" album on the way. With the support of the fans and the CT down time it felt like the ideal moment to start making the album a work in progress… And so it began, what we wanted to achieve was to record our favorite Irish songs in "ABC" acoustic fashion, with a mix of Irish classics such as "On Raglan Road" and "The Fields of Athenry" and modern contemporary classics such as "Don't Go" and "Beautiful Affair". Giving all eleven tracks a new sound-scape and injecting some youth into the productions… I mean myself and Ryan is not over the hill just yet ay!!!
Almost every day and night of the summer was spent arranging and recording the tracks… Some of which did not make it to the album but it's always good to have choices. After the bed tracks and guide vocals where down it was time to get our amazingly talented friends in. First of all, I made my way to Galway and spent a few days with Declan O'Donoghue our CT drummer and close friend… Declan brought his 'A' game to the table as always… So between us we came up with the percussion patterns needed for each track and Deco nailed it as usual! The next color to be added was the most important lead instrument "violin" and who else to give us the sound that was to be a mix of traditional fiddle and classically trained violin playing… The only one to fit the bill was CT's Nicole Hudson. She is the most talented violinist I know, not only having a naturally beautiful tone and feel, she has a fantastic ear for melody, so to record Nicole is a joy in hearing back the magic she provides. You will also be familiar with Barry Kerr who plays tin whistle on there as well. Seamus Brett played piano on two of the tracks and I played the rest of the piano tracks myself – in addition to bass, mandolin and guitars. Final mixes where engineered in the studio Van Morrison used to own… "Windmill Lane Studios" in Dublin. Spending some late nights there was a must to get it polished off before tour. Knowing that I was mixing in an old haunted Dublin studio kept my eyes open in the early hours… I fill you in on that another day Wink We are just one day away from tangible release… I am so excited to have it in my own hands and for you to have yours more importantly!
I hope we have answered your call and you have many hours of listening enjoyment.
Much love for now… Catch you later.
You can find out more about the album here as well as purchase links:


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Matthew 1:18-25 English Standard Version (ESV)
The Birth of Jesus Christ
18 Now the birth of Jesus Christ[a] took place in this way. When his mother Mary had been betrothed[b] to Joseph, before they came together she was found to be with child from the Holy Spirit. 19 And her husband Joseph, being a just man and unwilling to put her to shame, resolved to divorce her quietly. 20 But as he considered these things, behold, an angel of the Lord appeared to him in a dream, saying, "Joseph, son of David, do not fear to take Mary as your wife, for that which is conceived in her is from the Holy Spirit. 21 She will bear a son, and you shall call his name Jesus, for he will save his people from their sins." 22 All this took place to fulfill what the Lord had spoken by the prophet:
23 "Behold, the virgin shall conceive and bear a son,
(which means, God with us). 24 When Joseph woke from sleep, he did as the angel of the Lord commanded him: he took his wife, 25 but knew her not until she had given birth to a son. And he called his name Jesus.
Cross references:
English Standard Version (ESV)
The Holy Bible, English Standard Version. ESV® Text Edition: 2016. Copyright © 2001 by Crossway Bibles, a publishing ministry of Good News Publishers.
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|Day Family Genealogy
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Surname List: Begins with Z
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Although everything is here for you to read and use for free,
I have over the last 30 years incurred substantial expenses and if you find anything useful, I would appreciate a donation.
Every single donation, regardless of how trivial it may seem, will be an enormous help. It will help me continue my research to the benefit of everyone working on their family histories.
If you would like to make a donation, you may use the following PayPal link:
Or, you can mail me using the following mailing address. If you are mailing from the U.S., remember to use the correct postage. Thanks.
Don Day
6110 Voyageur Drive
Ottawa, ON


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Developing an Effective Income Tax Strategy
Taking steps now can help keep your 2019 and future tax liabilities as low as possible. Most income tax planning centers on a few basic concepts:
- Delaying taxation where practical.
- Taking advantage of tax favored treatments on some types of income.
- Taking maximum advantage of the marginal rate structure of the tax code.
- Getting the most from your itemized deductions.
- Being aware of potential pitfalls.
Why delay taxation?
The answer is simple - the time value of money and tax-deferred compounding. If you can control when you take an item of income, delaying the recognition until after year-end will delay paying the tax until April 15th of the following year.
The most common instance where this applies is deciding to take a capital gain on a stock in December or January. Delaying until January can let you earn interest on the amount you will pay in tax for an additional 11 or 12 months. IRAs and qualified retirement plans are other tools that let you defer taxation and earn extra money on what you would have otherwise paid in taxes until you withdraw the funds.
Tax favored treatment
Wages, interest and most other types of income are taxed at normal rates. However, the tax law has special provisions for long-term capital gains and interest on bonds issued by state and local municipalities.
Long term capital gains and qualifying dividends receive favorable tax treatment, based on taxable income levels.
|Tax rate on long term capital gains and qualifying dividends
|Taxable income levels for those filing individual returns
|Taxable income levels for those filing joint returns
|Alert Me
|Under $39,375
|Under $78,750
|$39,376 to $434,550
|$78,751 to $488,850
|Over $434,551
|Over $488,851
Stocks have other risks and you should not let the hope of saving some taxes unduly influence any decisions to sell stocks. Be sure to review your portfolio carefully, especially at year-end, to understand how your positions stand relative to the one-year holding period. Net capital losses for a year can only be used up to $3,000. Net losses in excess of $3,000 can be carried forward to offset gains in future years.
Interest on bonds issued by municipalities and states are generally exempt from federal income tax. These bonds usually pay lower interest rates than comparable taxable bonds. To determine if tax-free bonds make sense for you, compare the after-tax returns of the two types. The higher your income (and marginal tax bracket), the more likely you may find tax-free bonds to be to your advantage.
Marginal income tax rate structure
Our income tax laws are built around a marginal rate structure. This means that income at lower levels is taxed at lower rates and income at higher levels is taxed more heavily. The current rates start at 10% and rise to 39.6%.
If your income varies greatly from year to year, consider steps that even it out so you get the maximum benefit of the lower rates each year. Individuals that control portions of their income like bonuses and commissions are the ones most likely to be able to apply this.
The other way to deal with marginal rates is to take full advantage of lower rates for each member of your family. It used to be common for parents to give money to children so the earnings would be taxed at the child's lower rates. However, the rules were changed and now this is most practical after the child has turned 14. Children under age 14 get a small "exemption," but have most of their unearned income (dividends, interest and other investment income) taxed at their parents' highest rates.
Tax deductions
You are able to reduce your taxable income for certain types of expenses. These itemized deductions are mostly for state and local taxes, mortgage interest, charitable contributions and certain expenses if they exceed a percentage of your adjusted gross income. However, beginning in 2018 the deduction for state and local taxes is limited to $10,000 and certain mortgage interest deductions were limited. Medical expenses can also be deductible if they are large relative to your income. If your itemized deductions are not large, the tax tables have a standard deduction built into them.
To get the most benefit for your deductions, consider the timing of when you pay them. For example, you may want to make your last quarterly estimated state income tax payment in December rather than January (if your state has a January due date) or carefully choose when you make charitable contributions.
Avoiding the pitfalls
The income tax laws can be very complex. If your income is high or you have a "complicated" tax situation, getting professional help may save you money and reduce the stress and anxiety of dealing with your taxes. Another factor for some is the alternative minimum tax (AMT). This additional tax was instituted many years ago to make sure that high-income individuals did not take unfair advantage of the tax laws to avoid or reduce their taxes. If your income is high, you have relatively large amounts of itemized deductions or you have stock options, you should probably consult with a qualified tax advisor to at least understand the AMT may apply to you.
Final words
No one likes to pay more tax than is absolutely necessary and there are completely legal ways to manage your taxes to some extent. However, cheating on your taxes or letting the idea of saving taxes cause you to make unwise financial decisions should not be parts of your strategy.


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Uh. Sure. Sounds like fun. Any particular campaign setting/edition (3.0? 4.0?) that you had in mind?
Where would said game likely be hosted - mainly because I don't drive. >.>;
Hey there, saw that you were interested in D&D and pretty close to my location. I'm starting up a group with some friends and we could use another. Should be 4-5 people.
Interested? If so, we can arrange to meet online or in Berkeley to see if my DM style suits you.


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C The Light Vitamin C Serum
C The Light Vitamin C Serum
C The Light is a unique Vitamin C delivery system that amplifies the performance of everyday skincare for improved age defiance, skin tone and skin clarity. Infused with five Vitamin C - orange peel, lemon peel, citrus essential oils, mandarin orange and citric acid – skin appears brighter, smoother and more even-toned in as little as four weeks. (0.3 fl oz/10 mL)
Application: Mix one dose with a pea-sized amount of your skincare serum and apply onto face. Use mornings and evenings.
Ingredients: Aqua, PEG-40 Hydrogenated Castor Oil, Ascorbyl Palmitate, Magnesium Ascorbyl Phosphate, 3-O-Ethyl Ascorbic Acid, Ascorbyl Glucoside, Tetrahexyldecyl Ascorbate, Hydroxyethylcellulose, Hydroxyacetophenone, 1,2-Hexanediol, Bis-PEG-8 Dimethicone, PEG-12 Glyceryl Dimyristate, Xanthan Gum, Citric Acid, Citrus Aurantium Dulcis (Orange) Peel Oil, Citrus Aurantium Dulcis (Orange) Oil, Citrus Limon (Lemon) Peel Oil, Citrus Nobilis (Mandarin Orange) Peel Oil
All orders on sale items are final
Our policy lasts 30 days. If 30 days have gone by since your purchase, unfortunately we cannot offer you an exchange or refund. No refunds or exchanges on jewelry unless items are damaged when received. To be eligible for an exchange, your item must be unused and in the same condition that you received it. If you are eligible for a refund, it will be issued in the same manner the payment was received. All custom items are final sale. No refunds or exchanges will be accepted.
Additional non-returnable or exchangeable items:
Sale Items
Gift Cards
Custom Items
Refunds (if applicable)
To complete your exchange on approved refundable items, we require a receipt or proof of purchase.
We will notify you of the approval or rejection of your refund.
If you are approved, your refund will be processed, and a credit will automatically be applied to your original method of payment within 2-3 days.
Late or missing refunds (if applicable)
If you haven't received a refund yet, first check your bank account again.
Then contact your credit card company. It may take some time before your refund is officially posted. Next, contact your bank. There is often some processing time before a refund is posted. If you've done all of this and you still have not received your refund yet, please contact us at email@example.com.
Sale items (if applicable)
Only regular priced items may be refunded or exchanged.
Exchanges (if applicable)
If you need to exchange an item, send us an email at email@example.com and send your item to: 8147 Valencia Ct Baton Rouge, LA 70820
Custom Items (if applicable)
All custom items are final sale. No refunds or exchanges will be accepted.
Gifts Purchases
If the item was marked as a gift when purchased and shipped directly to you, you'll receive a gift credit for the value of your return. Once the returned item is received, a gift certificate will be mailed to you. If the item wasn't marked as a gift when purchased or the gift giver had the order shipped to themselves to give to you later, we will send a refund to the gift giver and he will find out about your return.
To return your product, you should mail your product to: Article & Thread 8147 Valencia Ct Baton Rouge, LA 70820. You will be responsible for paying for your own shipping costs for returning your item. Shipping costs are non-refundable. Depending on where you live, the time it may take for your exchanged product to reach you may vary. If you are shipping an item over $75, you should consider using a trackable shipping service or purchasing shipping insurance. We do not guarantee that we will receive your returned item.
Article & Thread Boutique sells a wide variety of globally sourced clothing. The sizing and cuts do vary from designer but in general our size charts will help you achieve the perfect fit. This size guide is for reference only and may not be exact for every garment and body type. Because differences between brands and designers, this chart is to be used as a general scale. When measurements are in between sizes, choose the next larger size. If you have any questions or if we can help you decide what size you will need, please email us at email@example.com


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Dreamy Minky White
Item Number: DS120-WHITE
Fiber Content: 100% Polyester
Width: 59"/60"
Designer: The RBD Designers
Collection: Dreamy Minky
Release Date: June 2017
Item Description: This soft and cuddly Dreamy minky has a 3 mm pile. It's perfect for creating quilt backs, blankets, plush toys, and more.
Washing Instructions: Machine Wash Cold/Tumble Dry Low
Packaging: Sold in 10-yard bolts.


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Launching VA Services
We are proud to announce the launch of VA Services. The one-stop-shop for all your Virtual Assistant web tools. Yet another service proudly managed and maintained by the team at assisted.byOther tools include: VA Directory VA Vouchers VA Life For further information on how we can help your VA company grow take a look at My VA Company Read More »
14th Jan 2016


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Opinion: Spinning the Supreme Court
Best of the Web Today columnist James Taranto on how commentators misinterpret the conservative Justices' stance on religious freedom. Photo credit: Getty Images.
This transcript has been automatically generated and may not be 100% accurate.
... I ... I ... the the discussion about the Supreme Court justices and how they view the hobby lobby case ... Scott's is best to lead to calmness chain saran so ... I can change the law to focus in particular on chief Justice Roberts ... at his last decision that calling of Obamacare legal ... um how do you view the coverage of him and and and how do you think you look at this issue well Magisterium of the left is kind of done in a frenzy over this case if they lose this case they'd their warning it's gonna be catastrophic it's can it be you know the end of contraceptives all nonsense it's it's a ... the effects would be very narrow ... but because they're so upset about this with some of them are doing is theirs for trying to lobby chief Justice Roberts was appease the public's eye ... if he rules in favor of hobby lobby will be his most radical decision ever now ... this is a bit of a boy who cried Wolf I ... because we need to use until they were saying it he said that the Commerce clause five limits the government's ability to force you to buy something ... that's about being the twenty oh and ... all ... are probably right well he said that even though we then found a workaround ... last year was the voting rights acts everything is the most radical ... thing about this thing is it's not even a constitutional issue it's a question of statutory interpretation is a statutory interpretation you referring to the religious freedom restoration that's exactly right and and that act said what exactly ... well let's back up in nineteen ninety three and nineteen ninety rather the court decided it is called employment division versus Mets ... are just a Scalia wrote the ruling and it found that a five members of something called the Native American Church ... could not ... engage in sacramental use of peyote or they could have an exemption from its generally applicable criminal law ... Congress responded by passing with bipartisan support this religious freedom restoration Act or reference which applies pay our stricter standards to religious freedom class ... now ... Congress when it passed Obamacare could've said referred us to ponder it's only a statue causing farmers convert repeal it or limited ... ah but they didn't so rough rough lives and that's the bids on with Connaught business in the house and a lot of questions about justice Kali and how he might ... rule here at hobby lobby what is his jurisprudence and while his reference as the first amendment probably doesn't grant this quarter right ... box ... art in two thousandsix there was the case whose name I would try to recite the support these kids but it involved an ... Amazonian the insects ... that used a different hallucinogenic they sued the federal government to enjoin enforcement of drug laws against them ... they won unanimously ... ate nothing Alito joined the Corps get any decision written by chief Justice Roberts says delay in fact been entirely consistent ... even when it comes to buy the use of hallucinogenic spy obscure stocks ... it the Tesla James had his hobby lobby is can end up with Switzerland and ... I'm guessing that it will be our AEI fairly narrowly in favor of hobby lobby studied in hobby lobby is favor that to say that the religious freedom restoration Act does protect the religious liberty rights of the least of closely held Corporation an Icahn Lee is hurting your first best the Web Today columnist James Taranto thank you so much for joining us ...


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At Gemvara, we believe that the jewelry you wear should be one of a kind, like you. That's why we make each piece to order, one at a time, just the way you want it. Choose Lab Diamond and Platinum or NS and Sterling Silver: it's your choice. Mix and match gems and precious metals for a look that's exactly you. Gemvara uses only the highest quality materials to craft your Vintage Sterling Silver Solitaire March Birthstone Jewelry design with meticulous attention to detail. Our precious metals are recycled or responsibly mined. Sterling silver is 92.5 percent silver. Gemvara's silver is more pure: we use Argentium 960, which naturally resists tarnish better than any other silver.Our wide selection of Vintage Sterling Silver Solitaire March Birthstone Jewelry by talented designers means you can find jewelry that's exactly your style. You can also shop by style, choosing our Bar, Celtic, or Charm Collections. Our solitaire styles have exceptional brilliance: the center gemstone is perfectly proportioned to dazzle.Gemvara's fine quality Vintage Sterling Silver Solitaire March Birthstone Jewelry is designed to be passed down for generations to come, crafted by hand in the United States.
We can help right away. Chat with a jewelry expert now!


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As part of ThinkAdvisor's Special Report, 21 Days of Tax Planning Advice for 2014, throughout the month of March, we are partnering with our Summit Professional Networks sister service, Tax Facts Online, to take a deeper dive into certain tax planning issues in a convenient Q&A format.
Q: What is a health savings account (HSA) and who is eligible?
An HSA is a trust created exclusively for the purpose of paying qualified medical expenses of an account beneficiary.
An HSA must be created by a written governing instrument that states:
(1) no contribution will be accepted except in the case of a rollover contribution unless it is in cash or to the extent that the contribution, when added to previous contributions for the calendar year, exceeds the contribution limit for the calendar year;
(2) the trustee is a bank, an insurance company, or a person who satisfies IRS requirements;
(3) no part of trust assets will be invested in life insurance contracts;
(4) trust assets will not be commingled with other property, with certain limited exceptions; and
(5) the interest of an individual in the balance of his or her account is non-forfeitable.
HSAs are available to any employer or individual for an account beneficiary who has high deductible health insurance coverage. An eligible individual or an employer may establish an HSA with a qualified HSA custodian or trustee. No permission or authorization is needed from the IRS to set up an HSA. As mentioned above, any insurance company or bank can act as a trustee. Additionally, any person already approved by the IRS to act as an individual retirement arrangement (IRA) trustee or custodian automatically is approved to act in the same capacity for HSAs.
Although an HSA is similar to an IRA in some respects, a taxpayer cannot use an IRA as an HSA, nor can a taxpayer combine an IRA with an HSA.
Contributions to an HSA generally may be made either by an individual, by an individual's employer, or by both. If contributions are made by an individual taxpayer, they are deductible from income. If contributions are made by an employer, they are excluded from employee income.
An HSA itself is exempt from income tax as long as it remains an HSA.
Contributions may be made through a cafeteria plan under IRC Section 125.
Distributions from HSAs are not includable in gross income if they are used exclusively to pay qualified medical expenses. Distributions used for other purposes are includable in gross income and may be subject to a penalty, with some exceptions.
An employer's contributions to an HSA are not considered part of a group health plan subject to COBRA continuation coverage requirements. Therefore, a plan is not required to make COBRA continuation coverage available with respect to an HSA.
The IRS has stated that a levy to satisfy a tax liability under IRC Section 6331 extends to a taxpayer's interest in an HSA. A taxpayer is liable for the additional 10 percent tax (20 percent after December 31, 2010, under PPACA 2010[12]) on the amount of the levy unless, at the time of the levy, the taxpayer had attained the age of sixty-five or was disabled.
Q: Who is an eligible individual for purposes of an HSA?
For purposes of an HSA, an eligible individual is an individual who, for any month, is covered under a high deductible health plan (HDHP) as of the first day of that month and is not also covered under a non-high deductible health plan providing coverage for any benefit covered under the high deductible health plan.
An individual enrolled in Medicare Part A or Part B may not contribute to an HSA. Mere eligibility for Medicare does not preclude HSA contributions.
An individual may not contribute to an HSA for a given month if he or she has received medical benefits through the Department of Veterans Affairs within the previous three months. Mere eligibility for VA medical benefits will not disqualify an otherwise eligible individual from making HSA contributions.
A separate prescription drug plan that provides any benefits before a required high deductible is satisfied normally will prevent a beneficiary from qualifying as an eligible individual. The IRS has ruled that if an individual's separate prescription drug plan does not provide benefits until an HDHP's minimum annual deductible amount has been met, then the individual will be an eligible individual under Section 223(c)(1)(A). For calendar years 2004 and 2005 only, the IRS provided transition relief such that an individual would not fail to be an eligible individual solely by virtue of coverage by a separate prescription drug plan.
An individual will not fail to be an eligible individual solely because the individual is covered under an Employee Assistance Program, disease management program, or wellness program, if the program does not provide significant benefits in the nature of medical care or treatment.
Certain kinds of insurance are not taken into account in determining whether an individual is eligible for an HSA. Specifically, insurance for a specific disease or illness, hospitalization insurance paying a fixed daily amount, and insurance providing coverage that relates to certain liabilities are disregarded.
In addition, coverage provided by insurance or otherwise for accidents, disability, dental care, vision care, or long-term care will not adversely impact HSA eligibility.
If an employer contributes to an eligible employee's HSA, in order to receive an employer comparable contribution the employee must:
(1) establish the HSA on or before the last day in February of the year following the year for which the contribution is being made and;
(2) notify the appropriate contact person of the HSA account information on or before the last day in February of the year described in (1) above and specify and provide HSA account information (e.g., account number, name and address of trustee or custodian, etc.) as well as the method by which the account information will be provided (e.g., in writing, by e-mail, on a certain form, etc.).
An eligible employee that establishes an HSA and provides the information required as described in (1) and (2) above will receive an HSA contribution, plus reasonable interest, for the year for which contribution is being made by April 15 of the following year.
For more tax stories and Tax Facts Q&A's, check out ThinkAdvisor's 21 Days of Tax Planning Advice for 2014 Special Report.


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So in hopes to eat 'healthier', relative to me, which means not eating fast food like it's my 2nd job, I have been packing my lunch every day to bring to work. I have two lunch bags that I choose from, which I enjoy, and I also went to the market to get some lunch foods for my new lunch packing routine. Now, this reminds me of going to elementary, middle and high school and when I brought my lunch to school. This lunch included a bag of chips, a sandwich, a cookie or some type of 'dessert', some type of granola bar and fruit of some sort. Today, not much has changed in my lunch, most of the time it's some type of fruit cup, a sandwich of some sort or instead of a sandwich, I'll get crazy and bring a Cup-o-Noodle, or leftover Macaroni and Cheese from the night before, a bag of chips, a granola bar, and the 'dessert'. I have been known to eat some cinnamon graham crackers as well. I know, I eat like I'm 12.
When shopping at the market, I search high and low for things to put in my lunch that will keep me full for the day. I also try to switch it up from day to day. I think I might have something called food ADD because I get really bored with eating the same things. I also don't eat salad. I am not a rabbit, so I will not be eating LEAVES. So most of the time I either have a chicken sandwich with pepper jack cheese, or a peanut butter and jelly. Thrilling. I like to either get Pop Chips, Sun Chips, or on occasion Doritos, "Tacos at Midnight" or Cheetos "Puffs". For the dessert, I found these little gems the other day while in Target. I was super excited to try them out, you know, the box looks appealing and I perhaps may be one to judge a book by it's cover.
I thought, this would be a perfect addition to my lunch for my dessert! I am not the biggest chocolate person, but I knew that I could try these out, see if I ended up liking them, and 100 calories sounds good on paper. I used to LOVE Little Debbie stuff when I was a kid and she never disappointed before. Those oatmeal cookies with the frosting in the middle, Holy Toledo, those were the BEST. I would trade anything for those bad boys at lunch time. The other morning, I'm packing my lunch, getting everything ready, and I open the box for the first time. Imagine my extreme disappointment when THIS fell into my hand.
Excuse me? Miss Little Debbie? What is THAT? I understand obviously, I bought the 100 calorie pack, and that means portion control, and let's all be real for a second, a cake for 100 calories? How true can this be? Well obviously it can't be true! This little guy is SUPER tiny. I mean, I pretty was like, welp, that was pointless. Here's a picture of it at my desk next to the normal sized pen I use.
I seriously laughed at these little things, then I ate it, and it was just as disappointing. You broke my heart Little Debbie. Just give me my cookie next time!


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Gogglebox Australia
Gogglebox Extras: Body Fixers
Gogglebox episode 10 recap: What you missed
Gogglebox episode 9 recap: What you missed
Gogglebox extras: Blue Planet
Gogglebox extras: Chocoholics
Gogglebox extras: Mission Impossible Fall Out
Gogglebox extras: Manu's all American road trip
Gogglebox recap: Are you a feminist?
Gogglebox recap: Boars and ghosts
Gogglebox recap: Mardi Gras turns 40!
Gogglebox extras: Rick Stein's fish tacos
Gogglebox recap: Falafels
Gogglebox recap: Yes to love
Gogglebox on: Love, Sex, and Relationships
Gogglebox recap: Back to reality
Gogglebox bits you loved: Season 6 recap
In conversation: Shaynna and Deb on Christmas cheer
Go behind the scenes of Christmas: Inside the Christmas Factory
The Goggleboxers watch House Rules
The Goggleboxers watch Keeping Up With The Kardashians


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Friends of Fraud
Like many advocates of financial reform, I was a bit disappointed in the bill that finally emerged. Dodd-Frank gave regulators the power to rein in many financial excesses; but it was and is less clear that future regulators will use that power. As history shows, the financial industry's wealth and influence can all too easily turn those who are supposed to serve as watchdogs into lap dogs instead.
与许多金融改革支持者一样,我对最终出炉的法案感到有点失望。《多德-弗兰克法案》(Dodd-Frank Act)向监管机构赋予了权力,使其能够制止金融界大量的不当行为;然而无论过去还是现在,人们都不是很清楚,未来的监管机构是否会动用这种权力。正如历史所显示的,金融业的财富和影响力,实在太容易把这些理应充当看门狗的监管机构变成哈巴狗了。
There was, however, one piece of the reform that was a shining example of how to do it right: the creation of a Consumer Financial Protection Bureau, a stand-alone agency with its own funding, charged with protecting consumers against financial fraud and abuse. And sure enough, Senate Republicans are going all out in an attempt to kill that bureau.
不过,这项改革中的一项举措,为如何正确实施改革提供了高明的范例:即建立一个消费者金融保护局(Consumer Financial Protection Bureau)。它是一家独立机构,有独立的经费,职责是保护消费者免受金融诈骗和舞弊的侵害。结果不出所料,参议院共和党人倾巢而出,试图扼杀这一机构于襁褓之中。
Why is consumer financial protection necessary? Because fraud and abuse happen.
Don't say that educated and informed consumers can take care of themselves. For one thing, not all consumers are educated and informed. Edward Gramlich, the Federal Reserve official who warned in vain about the dangers of subprime, famously asked, "Why are the most risky loan products sold to the least sophisticated borrowers?" He went on, "The question answers itself — the least sophisticated borrowers are probably duped into taking these products."
不要说什么受过教育、信息充分的消费者能够照顾好自己。首先,并不是所有的消费者都受过教育,都能获得充分的信息。美联储(Federal Reserve)官员爱德华·格拉姆利克(Edward Gramlich)曾针对次级贷款发出过警告,但徒劳无果。他提出了一个广为人知的问题,"为什么风险最高的信贷产品,卖给了最不精明的买家?"他接着说,"这个问题本身就给出了答案,最不精明的买家可能是受到欺骗,才购买这些产品的。"
And even well-educated adults can have a hard time understanding the risks and payoffs associated with financial deals — a fact of which shady operators are all too aware. To take an area in which the bureau has already done excellent work, how many of us know what's actually in our credit-card contracts?
Now, you might be tempted to say that while we need protection against financial fraud, there's no need to create another bureaucracy. Why not leave it up to the regulators we already have? The answer is that existing regulatory agencies are basically concerned with bolstering the banks; as a practical, cultural matter they will always put consumer protection on the back burner — just as they did when they ignored Mr. Gramlich's warnings about subprime.
So the consumer protection bureau serves a vital function. But as I said, Senate Republicans are trying to kill it.
How can they do that, when the reform is already law and Democrats hold a Senate majority? Here as elsewhere, they're turning to extortion — threatening to filibuster the appointment of Richard Cordray, the bureau's acting head, and thereby leave the bureau unable to function. Mr. Cordray, whose work has drawn praise even from the bankers, is clearly not the issue. Instead, it's an open attempt to use raw obstructionism to overturn the law.
目前,金融改革法案已经成为法律,而民主党人在参议院占据多数席位,这种情况下,他们如何能扼杀消费者金融保护局?答案就是,他们像对其他议题一样,采取了敲诈手段,威胁要动用拖延战术,阻挠国会对该局代理局长理查德·科德雷(Richard Cordray)的任命,以此达到让保护局无法运作的目的。科德雷的工作广受好评,就连银行业人士也对他表示赞扬。他本人显然不是问题所在。相反的,共和党是在公开试图通过粗野的蓄意阻挠,来推翻这部法律。
What Republicans are demanding, basically, is that the protection bureau lose its independence. They want its actions subjected to a veto by other, bank-centered financial regulators, ensuring that consumers will once again be neglected, and they also want to take away its guaranteed funding, opening it to interest-group pressure. These changes would make the agency more or less worthless — but that, of course, is the point.
How can the G.O.P. be so determined to make America safe for financial fraud, with the 2008 crisis still so fresh in our memory? In part it's because Republicans are deep in denial about what actually happened to our financial system and economy. On the right, it's now complete orthodoxy that do-gooder liberals, especially former Representative Barney Frank, somehow caused the financial disaster by forcing helpless bankers to lend to Those People.
2008年的危机仍历历在目,共和党怎能这么一门心思地让美国成为金融欺诈的安全场所呢?部分原因在于,共和党人顽固地否认我们的金融体系和整体经济实际上发生了什么。一种观点认为,自由派的好好先生,尤其是前众议员巴尼·弗兰克(Barney Frank),强迫无可奈何的银行业者向"那些人"放贷,从而在某种程度上导致了金融体系的灾难。这在右翼人士当中,现在已经成了一个完全正统的观点。
In reality, this is a nonsense story that has been extensively refuted; I've always been struck in particular by the notion that a Congressional Democrat, holding office at a time when Republicans ruled the House with an iron first, somehow had the mystical power to distort our whole banking system. But it's a story conservatives much prefer to the awkward reality that their faith in the perfection of free markets was proved false.
And as always, you should follow the money. Historically, the financial sector has given a lot of money to both parties, with only a modest Republican lean. In the last election, however, it went all in for Republicans, giving them more than twice as much as it gave to Democrats (and favoring Mitt Romney over the president almost three to one). All this money wasn't enough to buy an election — but it was, arguably, enough to buy a major political party.
就像一贯做法一样,我们应该观察金钱的流向。历史上,金融业向两党都捐助了大量资金,只是稍稍倾向共和党。然而在上一次选举中,金融业全面支持共和党,捐助共和党的金额,比捐助民主党的金额的两倍还多;而他们捐助米特·罗姆尼(Mitt Romney)的金额,接近捐助奥巴马总统金额的三倍。这些钱并不足以买来一场选举胜利,但有理由说,它足够买来一个主要政党的支持。
Right now, all the media focus is on the obvious hot issues — immigration, guns, the sequester, and so on. But let's try not to let this one fall through the cracks: just four years after runaway bankers brought the world economy to its knees, Senate Republicans are using every means at their disposal, violating all the usual norms of politics in the process, in an attempt to give the bankers a chance to do it all over again.


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The best cheerleader, comrade, couch buddy, and everything in between, DAMMIT!
I like the "pajama" look of this doll. And the eyes in red stand out against the pink. It's my choice for a gift!
I purchased 4 at different times and have given them all away. The last one went to a friends daughter that just found out her cancer is back. Everyone has said these dolls were used a lot! I have been trying to find more because I have more friends that need one.
Love the dolls and love this pattern so much, but the seam busted open, and the stuffing literally came out the first time I demonstrated hitting the bed with it to my daughter. Bought it at a local indie bookstore and will bring it back and ask them to order another in this pattern for me.
I bought one for a gift and love it. Now I want one for me but they are out of stock. Gotta get me one.
Just what my office needed!


text:
How to become an astronaut
Becoming an astronaut is neither simple nor straightforward; there are no schools for astronauts or university courses. So how do you become an astronaut and what qualifications and qualities do you need?
Space agencies are looking for the best people possible. Training an astronaut is a considerable investment for any agency; training is lengthy and expensive, and the support needed both before and during a space mission is costly.
It takes years to organise a space mission and altogether hundreds of people are involved in preparing the astronauts and the spacecraft. Astronauts are pivotal to the success of a mission but flight opportunities are limited, so space agencies want to be sure that the astronaut selected will make the best possible use of the precious time they will spend in space.
What qualities do you need?
Astronauts need to be able to apply their considerable knowledge and skills to the tasks for which they have been trained; be able to bear tremendous responsibility while in orbit; and be determined to succeed. This is what makes them special.
A high level of education in scientific or technical disciplines, coupled with an outstanding professional background in research, application or education fields possibly supported by the use of computer systems and applications, is essential. Previous experience with aircraft operations is a bonus, particularly if it involved responsible tasks such as being a test pilot or flight engineer. The more skills and experience an applicant has the better, as this will increase their ability to undertake a variety of tasks.
Equally essential is excellent physical condition. Astronauts have to undergo intensive periods of training and may participate in spaceflights that last for months. During this time their body will be subject to a great deal of stress and good health and physical endurance are essential.
It is a challenge to live in a confined space for long periods with other people. Among the psychological qualities required are the ability to get on well with other members of the crew, and an affinity for teamwork and adaptability, as the space crew must work well together. Would-be astronauts also need self-control and an equable temperament to cope with stress and any emergency that may arise.
On the operational side, an ability to adapt quickly to changing situations and mature judgement will be of great help in performing tasks and optimising on-orbit routines and procedures.
Lastly, astronauts must be willing to travel long distances, both on Earth and in space, and to spend long periods away from home as astronaut training takes place in a number of countries and they may participate in long-duration missions.
Public relations
Astronauts are often in the spotlight as the public and the media are curious about their life and missions. This means they must enjoy meeting the public and the press, and be able to communicate the importance of their tasks in space.
Fluency in English is mandatory and a good knowledge of Russian is an asset as it facilitates training at the Gagarin Cosmonaut Training Centre in Russia. Interest in, and knowledge of, American, Russian and Japanese culture is also useful as it will facilitate good relations with our international partners on the Space Station.
If you believe you have the above qualities and qualifications, and can remain dedicated to your goal of becoming an astronaut, even though it will mean years of hard work, preparation and patience as you wait for an opportunity to finally board a spacecraft, then you could apply to the European Astronaut Corps.
ESA astronauts can only be selected from countries that are ESA Member States.
A selection round was held between May 2008 and May 2009. From the applicants, 8413 qualified for the selection process that was performed under the lead of ESA's European Astronaut Centre (EAC), based in Cologne, Germany. On 20 May 2009, six new ESA astronauts were presented at a press conference held at ESA Headquarters in Paris, France. The new ESA astronauts began their basic training at EAC on 1 September 2009.


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Couples can get more out of their Social Security benefits by timing which spouse files first and ensuring that the higher earner delays benefits until age 70, said certified financial planner Michael Kitces on Thursday at the National Association of Personal Financial Advisors (NAPFA) conference in Chicago.
"There's an interplay between individual, spousal and survivor benefits," said Kitces, a partner and director of research at Pinnacle Advisory Group in Columbia, Md., and an AdvisorOne contributor. "Couples should look at delaying the higher earner's benefits as long as possible, so they're looking at starting benefits at age 70."
Age 70 is the "hard wall," Kitces said, because there are no break-even benefits for delays past that age, and therefore no additional benefits.
Spouses can claim a benefit based on 50% of the worker's primary insurance amount (PIA) as early as age 62, and there is no benefit to the spouse of delaying past the full retirement age of 66 with the spousal benefit, Kitces said.
Even divorced spouses are eligible for spousal benefits, he noted, with marriages that lasted at least 10 years. To collect, a person must currently be unmarried and can apply as long as the ex-spouse is at least 62. If there are multiple ex-spouses, the Social Security recipient can choose the highest earner's benefit.
Kitces recommended a "file and suspend" strategy for a married couple, meaning the higher earner files for Social Security at age 66 so the spouse can start claiming benefits, and then the higher earner suspends their own individual benefit until age 70.
"It allows you to turn on the spigot for your spouse's benefits, at full retirement age, and then you can suspend and continue working until 70," Kitces said. "If your spouse can get fee benefits along the way, it's a good deal."
A classic file-and-suspend scenario looks like this, Kitces said:
–Darren is a 66-year-old at full retirement age with a PIA of $1,800 per month.
–His wife Julie is also 66 and at full retirement age but not eligible for her own retirement benefit.
–Julie can claim $900 per month in a spousal benefit.
–Darren can delay benefits to age 70.
–If Darren dies first, his increased benefit raises Julie's survivor benefit
Kitces warned advisors at the NAPFA conference that many administrators at Social Security offices may be unaware of the file-and-suspend scenario. He recommended that couples when filing come armed with the correct Social Security forms.
To analyze how a couple can get the most out of Social Security benefits, Kitces recommends these websites: www.ssanalyzer.com or www.socialsecuritytiming.com or www.maximizemysocialsecurity.com
The NAPFA national conference 2012 is taking place May 8 to 11 at the Hilton Chicago. For those who can't attend the event, NAPFA National 2012 can be followed on Twitter at www.twitter.com/NAPFA, or at #NAPFA2012.
Read Social Security Secret: Advisor's Dogged Pursuit Bears Fruit for Clients at AdvisorOne.


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DENNY continue to rise in popularity within the Indie community! In the light of their brand-new single "Girls Like You", critics have proclaimed this is their best Pop anthem to date. Well, I agree 100% with them. Definitely, this is a nice radio-friendly song. Particularly, my favorite part is when you hear in falsetto tone "I've got a thing for girls like you" and then the pace changes to a more upbeat atmosphere.
In my view, this song describes a special night when one feels falling in love and every scene becomes memorable. This description might sound romantic, but it is actually very common to everyone. Happily, there are still bands who sing about pure love. And, best of all, they do the right thing with a contemporary style. Check it out below.
South African Singer-Songwriter, Carmelita Debuts Her Single "Got You"
In South Africa there's a new music star in the making, her name is Carmelita. She's ready to impress you with her first official single. These days is hard to find great tunes with a blend of heartfelt lyrics, seductive vocals, and RnB/Pop beats like "Got You". Frankly, this is a perfect example of a radio-friendly anthem which you can play again and again without boring. It's worth mentioning the singer-songwriter has been writing songs for years, without releasing them until now.
Hailing from Cape Town, she attended the AFDA film school and graduated in 2011. Nevertheless, her passion for music is inherent in her personality since she was a young girl. Moreover, she has absorbed influences from renowned artists like Adele, Sam Smith, Aaliyah, Ariana Grande, Kelly Rowland, and more. For sure, love makes the world go round. In this context, "Got You" is a nice tune that conveys romantic feelings with much intensity. Carmelita is open to collaborations with other creative professionals and she expects performing live anytime soon. Check out her socials for more information.
Want More Indie Music? Start Listening To Giovanni Beatty's Debut Single
Sort of a cross between Pop and Rock, Giovanni Beatty's debut single, "Cigarette Snowfall" should be playing on loops in radio stations. Indie music is the new normal these days because it evokes more emotions than mainstream tracks. Moreover, the up-and-coming 22-year-old singer and songwriter unleashes a compelling singing voice. Chances are, you'll fall in love with his acoustic guitar strings too.
Surround yourself with chill vibes and allow his melodies to take you on a melancholic journey. Interestingly, profound lyrics are based on the artist's own memories. GIO opens his heart and expresses an intimate and personal story throughout this fresh composition. Keep in mind, the chorus is so infectious that you will most probably find yourselves humming it. This is the first over-the-top effort from the Virginia Beach-based talent, and I'm sure it won't be the last one. Actually, can't wait to hear what's next…
This Relaxing Acoustic Pop Song From St4tik Deserves Your Attention!
This is a good time for a delicious coffee and discovering relaxing acoustic Pop songs. Nowadays, unsigned and indie bands like St4tik (pronounced as static) have so much to offer. Listeners on SoundCloud just can't get enough of their chilled-out single "Might Not Be Me" due to its stunning guitar strings and melancholic lyrics. The five-member band from Long Grove, Illinois is composed of Steven Weiner, Karl Lutz, Will Rademacher, Swayam Deshpande, and the lead vocalist, Jacob Goldberg, who is also a young avid poet with three books published on Amazon.
Influenced by contemporary Pop and Country radio hits, their organic-sounding tracks denote a warm production that deserves your attention. Nothing does it better than two and a half minutes of mellow and relaxing vibes. With over 30K plays, this is a perfect indicator of their formula behind their feel-good creations. Stream in full "Might Not Be Me" immediately right here.
RUNN's First Incredible EP Is Here, Listen To 'Handle With Care'
RUNN provides vocals that hit the right notes on her debut EP 'Handle With Care'. The Los Angeles singer-songwriter is so passionate when it comes to singing. Certainly, her emotions can connect with a lot of listeners. Drawing inspiration from her own personal experiences, she isn't afraid to share her life's ups and downs. In fact, 'Handle With Care' reflects a distilled version of the artist herself. It's such a radio-friendly material as she unleashes varied pop-sounding tunes. Stylistically, these songs are velvety smooth and feel very contemporary. RUNN will take you on a musical journey through this incredible EP that is for sure placed in the chill-out zone. Press play below.
On a side note, RUNN started building a solid career with remarkable collaborations. She had the chance to work with none other than Illenium & Seven Lions on dance music projects. Today the transition of going solo makes her realize she has made the right choice. On the other hand, while working on her debut EP, her generous heart led her to perform selflessly at the "Virtual Sail Aways" Livestream event whose funds were completely donated to help patients with COVID-19. She's a major talent to keep an eye on.
People Born Under The "Scorpio" Sign Should Listen To Ivoree Xavier's Song
The Los Angeles-based emerging R&B singer Ivoree Xavier dedicates his newest track "Scorpio" to those of you who are born between October 23rd and November 21st. Astrologers describe them as passionate, brave, magnetic, and intensionally emotional. While others think they are possessive, jealous, and highly controlling people. Well, in the case of this song, the artist felt inspired by toxic relationships with Scorpio dudes where his love for them wasn't reciprocated. Press play below.
As an astrology aficionado, I know that Scorpios always leave their mark no matter the circumstances. Most of them are in a process of transformation, and this could lead to misunderstandings, especially with their lovers. Of course, the good proof of this is Ivoree's sensitive lyrics and as a Virgo, he knows how to analyze every little thing. Clearly, some zodiac signs go well together, while others don't. Beyond the positive or negative traits of Scorpios, I think his verses are somehow relatable, plus, the laidback groove is totally eargasmic. Enjoy it.
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Friday 25 January
|Callaeas (1)
This medium-sized wattlebird has blue-grey feathers with black legs and bill, and a black highway-man mask which is in striking contrast to the wattles under the throat. There were two subspecies of birds; the North Island kokako (Callaeas cinereus wilsoni) has blue wattles on the throat, whereas the now-extinct South Island kokako (Callaeas cinereus cinerea) had orange wattles. The wings are short and rounded (4).
The most distinctive feature of the kokako is its haunting song. The dawn chorus begins with each bird opening and closing its wings and fanning its tail, then arching the neck and uttering gentle mewing and buzzing sounds before launching into full song. The song resembles the sound of an organ with loud, clear and melodious notes (4). Males and females pair throughout the year and sometimes for several years (7). The male and female will answer each other's song for up to half an hour with impressive harmony. Birds in the surrounding area sing together from the top of tall trees on ridges producing an extraordinary chorus, which serves to defend their five to twenty hectare territories (4).
The birds also communicate through calls, clicks, buzzes and screeches which are all socially specific. Kokako are poor fliers, but their powerful legs allow them to leap, run and jump through trees in search of fruits, leaves and insects (4).
Breeding usually takes place between November and February but in years of abundant food supply it can last from October through to May (8), and pairs might raise up to three broods in one season (7). The female builds a large and untidy nest between branches fairly high in the trees (2 to 35 metres), beginning with a twig base, and weaving together moss, lichen, rotten wood and ferns, before lining the nest bowl with tree fern scales. The nest is built in dense foliage, with small contributions of material from the male, and is well concealed from aerial predators. In each clutch, the female lays two or three pinkish grey eggs with brown and purple spots, and these hatch after 18 days of incubation by the female alone. The male works to feed himself, his partner and the new hatchlings. The nestling begins life with pink wattles and fledges after 30 to 45 days (7). During the first year they must find an unoccupied area for their territory and their wattles will change from pink to blue or orange, depending on the subspecies (8).
As the last remaining subspecies of the wattlebird family to be found on the New Zealand mainland, the North Island birds used to inhabit the whole of the North Island, but populations now occur in small and fragmented areas of the North Island and on four offshore islands. Translocations have taken place to create populations on Little Barrier, Kapiti, Tiritiri Matangi and Lady Alice Islands (4). The South Island kokako used to inhabit South and Stewart Islands, but is now deemed to be extinct (5).
These beautiful birds are found in middle to low layers of temperate forest with a high diversity of plant species and generally, very little human disturbance (1) (2) (3), although birds can persist in some very modified habitat, such as on Tiritiri Matangi Island, if mammalian predators are completely absent (6).
Classified as Endangered (EN) on the IUCN Red List 2007 (1).
The combination of deforestation and the introduction of invasive mammalian predators in two waves of human colonisation since 1270 AD nearly extirpated this species. Just one quarter of the forest present 1,000 years ago is still standing. European settlers brought with them ship rats, brush-tail possums, stoats and wild cats (1) (2) (4), which prey heavily on young and female birdss at the nest, leaving an excess of males who are not able to breed. These males sometimes pair up and nest with each other in the absence of female partners (9). Whilst in 1999 the North Island kokako population stood at 1,160 birds, only 396 of these were female, thus limiting the number of reproducing pairs (10).
Intensive recovery planning and management since the mid 1980s has substantially recovered North Island kokako populations. In 2007, there were 18 increasing populations totalling 850 pairs. Such intensive management is vital, as nearly all unmanaged populations are now extinct. Translocations have established populations on four offshore islands and restored kokako to three sites in their original range (Wairarapa, Hawkes Bay and East Cape), and further translocations are planned as part of widespread active restoration of mainland New Zealand forest ecosystems. The recovery of the kokako requires intensive control of introduced mammal pests, particularly ship rats and brushtail possums (9). Some populations are now managed by pulsed control effort, a method in which pest control has 'on' and 'off' years. This effectively controls pest populations whilst minimising the input of pest control poisons at any site, and means that conservation resources can be spent on other sites or problems during the 'off' years (11).
For further information on the recovery of the kokako see:
For more information on this and other bird species please see:
Authenticated (28/01/08) by John Innes, Landcare Research, Hamilton, New Zealand.
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© Geoff Moon / naturalvisions.co.uk
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