text: DOWNLOADS Article (PDF-382KB) Executives, board members, the press, and investors regularly look at total returns to shareholders (TRS) as an important metric of value creation. Yet TRS, like any performance metric, is instructive only when users understand its components. Actual corporate performance, for example, is only part of the mix, as TRS is also heavily influenced by changes in investors' expectations of future performance. Sophisticated managers know that a failure to grasp how the various components work together can generate unrealistic expectations among companies or their investors and even steer companies to pursue more growth or take on more risk—without any value creation. 00:00 Audio A better way to understand TRS Sadly, most traditional ways of understanding TRS are flawed. Many of them, for example, define TRS as the sum of the percentage change in earnings plus the percentage change in market expectations—as measured by the price-earnings ratio (P/E)—plus the dividend yield. This simplistically connects TRS with changes in earnings, as if all forms of earnings growth created value equally. Not so. Earnings growth creates more value when it is rooted in activities that generate high returns on capital—such as the discovery of new customer segments for a company's products—than in activities with low returns on capital, such as many acquisitions when the goodwill paid is taken into account. Traditional approaches also err when they relate TRS to dividend payments. Dividends do not create value. For example, if a company pays a higher dividend today by taking on more debt, that simply means that future dividends must be lower. If a company pays a higher dividend by forgoing attractive investment opportunities, that also reduces future dividends. Finally, the usual approaches fail to account for the impact of financial leverage: two companies that created underlying value equally well could generate very different TRS, simply because of the difference in debt-equity ratio and the resulting differences in risk. A better approach to understanding TRS breaks up the metric into four fundamental parts: a company's operating performance, its stock market valuation at the beginning of the measurement period, changes in stock market expectations about its performance, and its financial leverage. The analysis can further divide a company's operating performance into the value from revenue growth net of the capital required to grow, from margin improvements, and from improved capital productivity. Consider a hypothetical example using a traditional approach to gauging TRS (Exhibit 1). Company A has a 14.4 percent TRS based on 7 percent earnings growth, a 3 percent change in the company's P/E (as a proxy for changed expectations), and a 4.4 percent dividend yield. When we apply a more fundamental breakdown of the elements of TRS into the parts described above, however, we see that the reinvestment required to achieve the 7 percent earnings growth consumed most of the earnings growth; the TRS stemming from it is actually only 1.4 percent.1 1. Required investments = 5.6 percent total returns to shareholders (TRS), ie, (107–100)/125. With 3 percent coming from a change in expectations, the remain-ing 10 percent is the TRS that results from the company's value at the start of the period—its "zero growth" return, which represents the company's TRS if it had no earnings growth and investors had no change in expectations.2 2. More precisely, the "zero growth" return equals the earnings yield—that is, the inverse of the earnings multiple. Exhibit 1 The old versus the new TRS decomposition Most traditional ways of understanding TRS are flawed We strive to provide individuals with disabilities equal access to our website. If you would like information about this content we will be happy to work with you. Please email us at: firstname.lastname@example.com Let's now consider Company B, which is identical to Company A except for its debt financing (Exhibit 2). As a result, Company B generated higher TRS but did not create more value after adjusting for higher financial risk. The traditional decomposition approach fails to reflect this and suggests that Company B's shareholders benefited from a higher dividend yield and a stronger increase in expectations. The fundamental decomposition clearly shows that at the business level, companies A and B have an identical TRS from zero-growth returns, growth, and changed expectations, when measured by the unlevered P/E multiple (enterprise value/earnings). The additional 3.6 percent TRS for Company B now shows up under TRS from capital structure, indicating that it is leverage-induced and not value creating. Exhibit 2 Illusory growth For a company partly financed by debt, the traditional decomposition approach suggests a higher dividend yield and a stronger increase in expectations, ignoring the impact of total returns to shareholders (TRS) from leverage We strive to provide individuals with disabilities equal access to our website. If you would like information about this content we will be happy to work with you. Please email us at: firstname.lastname@example.com Examples from various industries show how a more detailed, fundamental analysis can be illuminating. Let's compare the TRS performance of the Dutch brewer Heineken and its Belgian–Brazilian competitor InBev. A traditional TRS decomposition suggests that InBev generated significantly higher annual shareholder returns over five years mainly because of its superior earnings growth (Exhibit 3). A deeper look with the new approach reveals more accurately where InBev made the difference. Exhibit 3 A closer look TRS performance of the Dutch brewer Heineken and its Belgian–Brazilian competitor InBev provides a case in point for a more nuanced TRS decomposition We strive to provide individuals with disabilities equal access to our website. If you would like information about this content we will be happy to work with you. Please email us at: firstname.lastname@example.com Compared to Heineken, Interbrew (now InBev) was facing a bigger challenge in 2002 to generate strong TRS. Its valuation multiple already reflected higher investor expectations for future value creation, resulting in a zero-growth return three percentage points below that of Heineken.3 3. We call this the treadmill effect; see Richard F. C. Dobbs and Timothy M. Koller, "The expectations treadmill," mckinseyquarterly.com, August 1998. Over the subsequent five years, revenue growth was not an important factor for shareholder returns: InBev's top-line annual growth of almost 24 percent did not create positive shareholder returns once capital expenditures and good-will paid were taken into consideration. Heineken actually generated higher shareholder returns from much lower revenue growth.4 4. Keeping all other factors constant, such as returns on capital, investor expectations, and capital structure. InBev's outperformance of Heineken in terms of TRS was driven by its superior improvements in return on capital over the period. It generated an impressive 34.6 percent shareholder return per annum by pushing its return on invested capital5 5. Return on invested capital (ROIC) adjusted for operating leases and excluding goodwill. (ROIC) from 14 percent in 2002 to an industry-leading 47 percent in 2007. Heineken, by contrast, saw its ROIC decline over the same period to 17 percent, from 24 percent, thereby losing around 5 percent in TRS.6 6. Again, keeping all other factors constant. Finally, InBev's TRS was negatively impacted by 14.4 percent as its valuation multiple declined from 2002 to 2007, reflecting lower stock market expectations that InBev would further improve its value creation. By contrast, the market increased its expectations for Heineken to improve its performance and growth after 2007, driving up TRS by 5.3 percent. The analysis shows that InBev generated its shareholder returns through very strong operating improvements, not top-line growth. In contrast, most of Heineken's TRS was due to a high zero-growth return and increased investor expectations. The company's business growth and operating performance had little impact. A more detailed decomposition of TRS can also offer insights into the drivers of shareholder returns in a sector as a whole. Take, for example, the stock market performance of the largest 25 European banks by market capitalization from 2002 to 2007 (Exhibit 4). These institutions are a good proxy for the entire European banking sector, as they represent around 80 percent of its assets. In aggregate, they have delivered a 15 percent TRS per annum over the last five years. A traditional TRS decomposition indicates that these returns largely reflect growth, suggesting that it is critical and that banks should focus on growth strategies. Exhibit 4 Insight into a sector's TRS An improvement in the return on equity of the largest European banks has been the key driver of their TRS—not growth, as the traditional approach implies We strive to provide individuals with disabilities equal access to our website. If you would like information about this content we will be happy to work with you. Please email us at: email@example.com Once the analysis takes investment requirements and acquisition goodwill into account, however, it turns out that for the sample as a whole, growth didn't drive shareholder returns. In reality, since 2002 better returns on capital have driven the creation of value in European banks, whose aggregate return on equity (ROE) increased to 23 percent, from 16 percent. This insight has several implications for managers. Going forward, value creation in the sector probably won't come again from performance improvements, given the record profit levels of recent years. In fact, falling expectations show that investors believe that profitability will decline. Yet finding value-creating growth might be as big a challenge, since banks on average did not manage to generate TRS from growth in the recent past, when profitability was peaking. This leaves banks with a difficult problem: where to find attractive returns for their shareholders in the future. Finally, executives can also use a finer-grained, fundamental TRS decomposition to evaluate potential performance tar-gets for shareholder returns. Too often, we see companies setting aspirations blindly—basing them, for example, on past TRS performance. If Company X earned 15 percent TRS annually over the last five years, you might think it reasonable to set 15 percent as the aspiration for the next five. But decomposing this TRS might show why it will be very difficult to con-tinue to achieve that level of returns. Suppose that the 15 percent TRS of the last five years comprised 3 percent from operating performance, a zero-growth return of 8 percent (reflecting an initial P/E of 12), and 4 percent from the change in P/E (from 12 to 15 over five years). The challenge for Company X is that its zero-growth return is now 7 percent (because it has a higher P/E), and its current P/E is top quartile for its industry. Since the P/E isn't likely to rise, there will probably be no contribution from that quarter. To reach a 15 percent TRS over the next five years, Company X will need to get 8 percent from operating performance—over twice its level during the last five years.


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National Civil Rights Museum President Beverly Robertson says she is retiring in July.
Robertson said in a news release Tuesday she's retiring because she has seen the Memphis museum through the major goals she had set during her 16-year tenure.
She said those goals include an expansion that brought the museum to international prominence, dramatic changes to the museum's demographics and the Freedom Award program that brought human rights leader Nelson Mandela to Memphis.
The museum is undergoing a $27 million renovation and a $40 million capital and endowment fundraising campaign.
Board Chairman Herbert Hilliard says a national search for a successor will be conducted.
Local and national real estate experts will gather Dec. 10 to discuss real estate trends and forecast what awaits the industry in 2014.
ULI Memphis, the local district council of the Urban Land Institute, is hosting its annual Mid-South Real Estate Outlook, featuring the Emerging Trends in Real Estate 2014 report and a panel discussion on the outlook for Memphis-area real estate.
The event will include presentations from Dean Schwanke, the Urban Land Institute's senior vice president and executive director of the newly formed ULI Center for Capital Markets and Real Estate. John Gnuschke, director of the Sparks Bureau of Business and Economic Research at the University of Memphis, will also speak.
A panel discussion focusing on the office, industrial, retail and multifamily sectors will follow the presentations.
The event is sponsored by Baker, Donelson, Bearman, Caldwell & Berkowitz PC and is open to the public. Admission is $65. The meeting will be held at the Memphis Bioworks Foundation auditorium, 20 S. Dudley St., and begins with a continental breakfast at 8 a.m. For more information, visit memphis.uli.org.
At Yeshiva University's 89th annual Hanukkah Convocation and Dinner Dec. 8 in New York City, university president Richard Joel will confer honorary degrees upon attendees who include Jack Belz, chairman and CEO of Belz Enterprises in Memphis.
The annual event draws nearly 1,000 of the country's leading Jewish philanthropists and community leaders.
Belz is a benefactor and trustee of Yeshiva University. He graduated from Central High School in Memphis and the Massachusetts Institute of Technology. His company has developed and operates a portfolio of more than 25 million square feet of commercial and residential real estate in several states.
The Knight Arnold Food and Fuel gas station and convenience store is no longer under a nuisance petition in General Sessions Environmental Court.
Environmental Court Judge Larry Potter dismissed the petition Monday, Nov. 25, against Sohail Hemani, the owner, after he said Hemani had taken steps including adding surveillance cameras and guards to discourage gang activity and drug sales on his property at Knight Arnold and Mendenhall.
Potter also said the court will continue to monitor the business, which was allowed to reopen in October. The monitoring continues under terms of a memorandum of understanding.
Neighbors of the business were vocal in their complaints about the open drug sales and gang activity in the store's parking lot, and some were upset when the business was allowed to reopen.
U.S. home prices rose more slowly in September than in August, a sign that weaker sales are preventing the kinds of sharp price gains that occurred earlier this year.
The Standard & Poor's/Case-Shiller 20-city home price index rose 0.7 percent from August to September, down from a 1.3 percent gain from July to August. That figure isn't adjusted for seasonal variations, so the change reflects, in part, slower buying in late summer and fall.
Still, other recent reports show that previous gains in home prices, higher mortgage rates and the partial government shutdown last month have weighed on the housing market. Home resales and signed contracts to buy homes both fell in October.
"Other data suggest a market beginning to shift to slower growth rather than one about to accelerate," said David Blitzer, chairman of the S&P Dow Jones index committee.
The Case-Shiller index covers roughly half of U.S. homes. It measures prices compared with those in January 2000 and creates a three-month moving average. The September figures are the latest available.
Monthly price gains slowed in 19 of the 20 cities tracked by Case-Shiller index. Prices rose 1.3 percent in Las Vegas compared with a 2.9 percent month-to-month gain in August. Home prices rose just 0.2 percent in Tampa, Fla., after a 1.8 percent gain in August.
Charlotte, N.C., was the only city where prices declined from August to September.
Year-over-year, prices jumped 13.3 percent from September 2012, the fastest such gain since February 2006. Those gains may be putting some homes out of reach for many buyers. Mortgage rates have also risen since the spring, though they remain low by historical standards.
U.S. consumers' confidence in the economy fell in November to the lowest level in seven months, dragged down by greater concerns about hiring and pay in the coming months.
The Conference Board said Tuesday that its index of consumer confidence dropped to 70.4 from 72.4 in October. The October reading was higher than initially reported, but still well below the 80.2 reading in September.
November's drop comes after the 16-day partial government shutdown caused confidence to plunge in October. The declines in both months were driven by falling expectations for hiring and the economy over the next six months.
Some economists also attributed the weakening confidence to Americans' frustrations and worries about the implementation of the Obama administration's health care reform.
"Disgust with politicians and government policy is what's holding back expectations," said Ted Wieseman, an economist at Morgan Stanley.
Less optimism among Americans could slow the holiday shopping season and weigh on economic growth. Consumer spending drives 70 percent of economic activity.
But spending patterns don't always closely follow measures of confidence. Americans sometimes shop more even when they say they are less optimistic.
That's what happened last month. Despite a sharp fall in confidence in October, consumers spent 0.4 percent more at retail stores and restaurants than in September.
Strong auto sales accounted for about half the gain. Restaurants also reported a healthy increase in spending. Americans also spent more on furniture, electronics and clothing. There were some signs of caution: Sales at grocery stores were flat and department stores reported only slightly higher sales.
Raymond James Financial Inc. will distribute more than $430,000 in Memphis as part of the company's distribution of $4.3 million around the country through its annual United Way giving campaign.
In Memphis, the funding will go toward 89 partner agencies and impact the lives of more than 300,000 people, the company said.
Companywide this year, Raymond James associate pledges totaled $2.4 million, surpassing the firm's fundraising goal of $2.25 million, and the firm contributed an additional $1.9 million through a dollar-for-dollar match for eligible associates.
The first two days of the period for candidates in the 2014 county elections to pull qualifying petitions has been dominated by incumbents and contenders for the newly configured district seats on the Shelby County Commission.
The latest additions to the list of declared candidates for Shelby County Commission include Alvin Croo, who pulled a petition for commission District 12. Attorney Van Turner already has a petition out for that position.
Ron Fittes picked up a petition Monday, Nov. 25, for District 4 on the commission. George Chism pulled a petition for District 2, the same race for which David C. Bradford Jr. picked up a petition Friday.
The three new petitions bring to six the number of possible contenders for four of the seats on the 13-member legislative body.
In countywide races, three petitions were pulled Friday, opening day of the qualifying petition period, all by Republican incumbents – Juvenile Court Clerk Joy Touliatos, Probate Court Clerk Paul Boyd and County Clerk Wayne Mashburn.
Regalia Shopping Center at Poplar Avenue and Ridgeway Road is hosting A Festive Night Out on Thursday, Dec. 5, from 4:30 p.m. to 8 p.m.
Shoppers can take advantage of extended holiday shopping hours and enjoy caroling by DeltaCappella, complimentary refreshments, a wine tasting at Great Wines & Spirits and a drawing for a $250 gift certificate to use at any of Regalia's shops and restaurants. In addition, Santa will be strolling throughout the center, handing out candy.
As part of the event, each of the shops and restaurants at Regalia, which is owned and managed by Memphis-based Boyle Investment Co., will stay open late and have a special sale, promotion or in-store drawing.
For more information, visit regaliacenter.com.
The Tennessee Transportation Department commissioner said Monday that the state won't be able to start any new highway projects if it loses federal funding next year.
Gov. Bill Haslam wrapped up his annual budget hearings with the department at the state Capitol.
Commissioner John Schroer told Haslam that money from a measure President Barack Obama signed in 2012 to extend federal highway and transit funding will end on Oct. 1, 2014. If Congress doesn't extend it, then that would mean a loss of more than a billion dollars for Tennessee.
"We don't know we're going to lose it," Schroer said. "They could come and pass a new authorization ... and funding could be in place. But there's a possibility that won't happen, and so I thought the governor needed to be aware of that."
Schroer said the state would likely be able to maintain current construction projects, but not take on new ones.
When asked by a reporter after the hearing if the state should consider ways to increase revenue in case of the loss, the commissioner said such discussion is premature, despite sluggish revenue reports for the state.
The state's annual transportation budget is about $1.8 billion. The state makes up about 44 percent of that funding, largely from fuel taxes.
The governor has asked all departments to present potential spending cuts because of the state's sluggish economic performance.
U.S. banks earned less in the July-September quarter than they did a year earlier, marking the first year-over-year decline in earnings since the spring of 2009, when the country was still mired in the Great Recession.
The Federal Deposit Insurance Corp. says the banking industry earned $36 billion in the third quarter, down $1.5 billion, or 3.9 percent, from the third quarter of 2012.
The FDIC says the year-over-year earnings decline came primarily from a $4 billion increase in litigation expenses at a single institution. The FDIC did not name the institution.
Lower revenue from reduced mortgage activity and lower gains from asset sales also contributed to the reduction in earnings.
Half of the nation's 6,891 insured banking institutions had year-over-year growth in earnings while half reported declines.
State officials are giving Tennessee residents an online option to access driving records.
The Department of Safety and Homeland Security announced this week that it has launched an online service at www.tn.gov/safety that allows people to download or print copies of their official driving records.
Officials hope the online option will reduce the wait time at driver services centers.
A $2 convenience fee will be assessed to each online transaction, in addition to the $5 state fee set by the Tennessee General Assembly for a copy of a driver record.
Two companies with major local operations have won tax freezes for proposed expansions.
The board of the Economic Development Growth Engine of Memphis and Shelby County has approved payment-in-lieu-of-taxes agreements for United Parcel Service and Memphis-based Monogram Foods. The two expansions are expected to add 40 new jobs between them.
UPS was awarded an 11-year PILOT for its plan to invest around $80 million to expand its existing facility at Memphis International Airport by 140,000 square feet. The expansion, which EDGE said would bring in $1.62 in new taxes for every $1 abated, is expected to create 15 new jobs.
Monogram Foods was awarded an eight-year PILOT for its plan to move to a new headquarters at 530 Oak Court Drive in East Memphis.
The $2.1 million project, which EDGE said would produce $1.98 in new tax revenue for every $1 abated, is expected to create 25 new jobs.
The Orpheum Theatre's 35th Annual Auction this month was the theater's most successful auction in the history of the event.
According to The Orpheum, the fundraiser brought in more than $330,000 through auctions, sponsorships and ticket sales, and an additional $72,600 through a raffle.
All proceeds benefit the Orpheum's new Centre for Performing Arts, scheduled to break ground in early 2014.
The $14.5 million facility will offer advanced performing arts education programs.
Three Republican incumbents and three Shelby County Commission hopefuls were the first six candidates to pull petitions on the opening day of the candidate filing season for the 2014 county elections.
The incumbents with petitions out on opening day were Probate Court Clerk Paul Boyd, Shelby County Clerk Wayne Mashburn and Juvenile Court Clerk Joy Touliatos.
Shelby County Commission candidates pulling petitions were Colonel Gene Billingsley in District 7, David C. Bradford in District 2 and Van Turner in District 12. The county commission's district structure changes for the 2014 county elections to 13 single-member districts. The commission is currently a body of 13 with five districts: one single-member district and four districts with three commissioners each.
The deadline for candidates to file their petitions for the county ballot is Feb. 20. Election day for the county primaries is May 6, with the county general election on Aug. 7.
The number of Americans who signed contracts to buy homes fell in October for the fifth straight month. Higher mortgage rates, price increases and the 16-day government shutdown held back sales.
The National Association of Realtors said Monday that its seasonally adjusted pending home sales index dipped 0.6 percent to 102.1. That's the lowest level since December. September's reading was revised slightly higher to 102.7.
There is generally a one- to two-month lag between a signed contract and a completed sale. The drop suggests final sales will remain weak in the coming months.
The Realtors' group said the shutdown prevented the IRS from verifying incomes, a critical part of the mortgage-approval process. The group said that 17 percent of Realtors reported delays.
Sales may rebound a bit in November as purchases delayed by the shutdown are completed. But sales are not expected to pick up much after that.
"The recovery in home sales has clearly at least stalled," said Jim O'Sullivan, chief U.S. economist with High Frequency Economics, a forecasting firm. "With other data showing the recovery in the labor market still on track, and confidence moving up again, we expect home sales to start trending up again in coming months."
A limited supply of homes has pushed up prices in the past year. Prices of existing homes jumped 12 percent in September from the previous year, according to real estate data provider CoreLogic.
Signed contracts fell sharply in the West, where investors have snapped up foreclosed homes and bid up prices in the past year. Signed contracts also slipped in the South, another area hit hard during the crisis. But contracts rose last month in the Northeast and Midwest.
Mortgage rates have eased but remain nearly a point higher than they were in the spring. The average rate on a 30-year mortgage fell to 4.22 percent last week from 4.35 percent the week before. That's down from a peak in August of nearly 4.6 percent and still low by historical standards.
The Marston Group PLC, a Memphis certified public accounting and financial consulting firm, has added Terry Courtenay as a member of the firm's practice.
Courtenay, a certified public accountant, has experience providing tax and advisory services to predominantly family-held businesses, and he's worked with a variety of businesses, including in the fields of real estate and agriculture.
The Marston Group was founded in 1985.
The Mid-South Chapter of the National Multiple Sclerosis Society has added 10 people from the Memphis area to its board of trustees.
They are Andrew Forsdick, owner of Addison Capital Advisors; Kerry Hayes, director of public relations for Doug Carpenter & Associates LLC; Terry Lawrence, project manager at AutoZone Inc.; Ginger Leeke, esthetician with Eden Spa; Alan Lindgren, owner of Speed of Sound LLC; Karen Malogroski, owner of Bikes Plus; Tracy Pearson, vice president and general manager, food service, International Paper Co.; Michelle Rappaport-Moore, psychotherapist with The Experiential Healing Center; Dr. N. Shah, pediatric neurologist with Le Bonheur Children's Hospital; and Suzanne Williamson, vice president of market, Boscos Corp./Roma Pomodori Inc.
Country music group Diamond Rio is being honored at the AutoZone Liberty Bowl Classic game and will perform at the halftime of this year's matchup in Memphis.
The group will receive an outstanding achievement award, which is presented each year in recognition of excellence in the field of music and entertainment. The group will perform at a gala function the night before the game and then again at halftime on New Year's Eve.
Previous recipients of the award include Elvis Presley, B.B. King, Little Richard, Alabama, The Beach Boys, Clint Black and more.
The Grammy award-winning group has sold more than 10 million records and been selected as the Country Music Association's Vocal Group of the Year four times.
Four key members of Congress say that all airlines – not just low-fare carriers – should be able to bid on gates and landing rights that American Airlines and US Airways will give up after their merger.
The leaders of the House and Senate transportation committees say they're worried that unless the big airlines can bid, service between Washington and some smaller cities may be lost.
The U.S. Justice Department settled a lawsuit against the merger earlier this month after American and US Airways agreed to give up gates and landing rights at several big airports, notably Washington's Reagan National Airport.
On Friday, top Democrats and Republicans on the transportation committees released a letter that they sent to Attorney General Eric Holder protesting terms of that settlement.
U.S. job openings and overall hiring both reached five-year highs in September, signaling steady improvement in the job market.
Job postings rose 69,000 to a seasonally adjusted 3.9 million, the Labor Department said Friday. That's the most since March 2008, just a few months after the Great Recession began. It's also close to the roughly 4 million job openings each month that are consistent with healthier job markets.
Total hiring increased 26,000 to 4.6 million, the highest level since August 2008. The gain suggests employers are not only posting more jobs but are also taking greater steps to fill them.
September's total hiring is still below the roughly 5 million people who are typically hired in sturdier job markets.
The number of people who quit their jobs in September dipped from August but was still about 15 percent higher than a year earlier. People usually quit their jobs when they have another one lined up, or when they are certain they can find one. More quits is a sign of confidence in the job market.
The growth in hiring, job openings and quits points to more movement in the job market, which can create opportunities for those out of work or who are looking for another job.
It also shows that competition for jobs is easing. There were 2.88 unemployed people, on average, for each available job in September. That's the lowest since August 2008 and down from 7 to 1 in July 2009, just after the recession ended. In a healthy economy, the ratio is usually about 2 to 1.
Unemployment is still high at 7.3 percent. But other reports suggest the job market is healing.
Mississippi's unemployment rate held at 8.5 percent in October, according to figures released Friday by the federal Bureau of Labor Statistics.
The jobless rate in August and September also was 8.5 percent. The unemployment rate was 9.1 percent in October 2012.
The labor force declined by more than 7,000 people between September and October. Mississippi's labor force has fallen every month in 2013.
Mississippi had 109,000 unemployed people in October, down 1,000 from September and also down from 121,000 in October 2012.
The national unemployment rate was little changed from September at 7.3 percent and was 0.6 percentage point lower than in October 2012.
The Obama administration says people will have another eight days this year to sign up for insurance under the health care law and still get coverage by Jan. 1
The extra wiggle room announced Friday is important because it could prevent people from having a break in coverage on account of the government's balky enrollment website. That's critical for those losing current individual policies that don't measure up under the law, and also for high-risk patients in a small federal insurance program that ends Jan. 1. Under the change people will have until Dec. 23 to enroll and still be covered the first year.
Copyright 1995 -
by The Daily News Publishing Co. Inc. - All Rights Reserved

subset: commoncrawl


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Test Report: Monitor Audio Gold GX Speaker System
Two years ago, I found myself listening to Monitor Audio's flagship Platinum Series towers in the company's CES demo room and thinking, Who drops 10 grand on a pair of speakers, no matter how good they sound? The question lingered in my mind until last summer, when I sold my longtime reference speakers to a hay farmer from central New York who planned to insert them into the kind of crazy 11.2-channel rig (located in a converted barn, no less) that would make Tom Holman proud. As the guy drove off in his pickup, hay bales securing speaker boxes on either side, it hit me: It's a big world, and audiophiles come in all stripes — and income brackets.
Monitor Audio's Gold GX line represents the company's effort to port the benefits of its Platinum Series to a line priced at a level that not just investment bankers but also farmers (harvest permitting) could afford. The system I checked out is based around the GX200 tower, which at $4,495/pair costs nearly half that of its Platinum Series sibling. The rest of the package Monitor sent me consisted of the GXC 150 center, GX-FX surrounds, and GXW-15 subwoofer. Total tab for all that gold: just north of 10 grand.
The GX200 is a ported 3-way tower with a curved front that measures a mere 6.75 inches wide. A magnetically attached metal grille on the front conceals (barely) a ribbon tweeter and the speaker's C-CAM (Ceramic-Coated Aluminum/Magnesium) midrange and bass drivers, each of which is bolted through to the back panel to cross-brace the cabinet. Gold-plated binding posts (two sets are present to accommodate biwiring/biamping) around back accept spade lugs, banana plugs, or bare wire.
The GXC 150 center — a sealed design — has the same ribbon tweeter, metal grille, and attractive look as the towers. In this case, however, the tweeter is sandwiched between a pair of 5.5-inch drivers that cover midrange/ bass. Monitor's GX-FX is a large-ish surround speaker that can be configured — either manually or via a 12-volt input — for a direct or a dipolar radiation pattern.
The GXW-15 subwoofer is a sealed design harboring a 15-inch woofer powered by a 650-watts rms amplifier. DSP is used to control the woofer's output based on power reserves to limit distortion; it also allows for digital-domain filtering, phase adjustment, and auto on/off switching. The GXW-15 comes with D2Audio's LEO (Listening Environment Optimizer) automatic room correction, a process you carry out using an included calibration microphone. A remote control lets you control all functions of the GXW-15, with feedback indicated on its front-panel LED display.


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Armstrong will answer 'honestly' during Oprah talk
AUSTIN, Texas (AP) ? Lance Armstrong said he will answer questions "directly, honestly and candidly" during an interview with Oprah Winfrey next week. He will also apologize and make a limited confession to using performance-enhancing drugs, according to a person with knowledge of the situation.
Armstrong has spent more than a decade denying that he doped to win the Tour de France seven times. Without saying whether he would confess or apologize during the taping, Armstrong told The Associated Press in a text message early Saturday, "I told her (Winfrey) to go wherever she wants and I'll answer the questions directly, honestly and candidly. That's all I can say."
A confession would be a stunning reversal for Armstrong after years of public statements, interviews and court battles from Austin to Europe in which he denied doping and zealously protected his reputation.
Armstrong was stripped of his titles and banned from the sport for life last year after the U.S. Anti-Doping agency issued a detailed report accusing him of leading a sophisticated and brazen drug program on his U.S. Postal Service teams that included steroids, blood boosters and a range of performance-enhancing drugs.
Armstrong's interview with Winfrey is not expected to go into great detail about specific allegations levied in the more than 1,000-page USADA report. But Armstrong will make a general confession and apologize, according to the person, who requested anonymity because there was no authorization to speak publicly. Several outlets had also reported that Armstrong was considering a confession.
Armstrong hasn't responded to the USADA report or being stripped of his Tour de France titles. But shortly afterward, he tweeted a picture of himself on a couch at home with all seven of the yellow leader's jerseys on display in a room at his home in Austin. He also agreed to be interviewed there, in what the Oprah Winfrey Network announced would be a "no-holds barred" session. That's scheduled to be taped Monday and broadcast Thursday night.
"His reputation is in crisis," said crisis management expert Mike Paul, president of New York-based, MGP & Associates PR. "Most people don't trust what comes out of his mouth. He has to be truly repentant and humble."
He also has to be careful.
Armstrong is facing legal challenges on several fronts, including a federal whistle-blower lawsuit brought by former teammate Floyd Landis, who himself was stripped of the 2006 Tour de France title, accusing him of defrauding the U.S. Postal Service. The U.S. Justice Department has yet to announce whether it will join the case.
The London-based Sunday Times is also suing Armstrong to recover about $500,000 it paid him to settle a libel lawsuit, and Dallas-based SCA Promotions has threatened to bring yet another lawsuit against Armstrong to recover more than $7.5 million an arbitration panel awarded him as a bonus for winning the Tour de France.
The only lawsuit potentially impacted by a confession might be the Sunday Times case. Potential perjury charges stemming from his sworn testimony in the 2005 arbitration fight would not apply because of the statute of limitations. Armstrong was not deposed during a federal investigation that was closed last year without charges being brought.
However, he lost most of his personal endorsements ? worth tens of millions of dollars ? after USADA issued its report and he left the board of the Livestrong cancer-fighting charity he founded in 1997. He is still said to be worth an estimated $100 million.
Livestrong might be one reason to issue an apology or make a confession. The charity supports cancer patients and still faces an image problem because of its association with Armstrong.
He may also be hoping a confession would allow him to return to competition in the elite triathlon or running events he participated in after his cycling career. But World Anti-Doping Code rules state his lifetime ban cannot be reduced to less than eight years. WADA and U.S. Anti-Doping officials could agree to reduce the ban further depending on what new information Armstrong provides and his level of cooperation. USADA chief Travis Tygart did not return a call Saturday from the AP.
Armstrong met with USADA officials recently to explore a "pathway to redemption," according to a report by "60 Minutes Sports" aired Wednesday on Showtime.


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• ]]>Hypnosis]]>
• ]]>Aloe]]>, ]]>Bloodroot]]>, ]]>Colloidal Silver]]>, ]]>Echinacea]]>, ]]>Essential Oils]]>, ]]>Greater Celandine]]>, ]]>Neem]]>, ]]>Tea Tree Oil]]>, ]]>Zinc]]>
A wart is a non-cancerous skin growth that occurs when a virus called human papillomavirus (HPV) infects the surface layer of the skin. In most cases, warts have a roughened surface and a clearly defined boundary. They most commonly occur on the fingers, hands, and arms, but can occur almost anywhere. Warts on the bottom of the feet are called plantar warts, and those that occur in the genital area are called genital warts.
Warts are usually painless. However, when they occur in an area that causes them to be subjected to pressure or rubbing, such as the bottom of the foot (plantar warts), they can become extremely tender. Genital warts that occur on the cervix are associated with a significantly increased risk of ]]>cervical dysplasia]]> .
Conventional treatment for warts primarily involves a variety of methods to directly remove them. Over-the-counter topical treatments containing salicylic acid gradually dissolve the wart, but may take many weeks to work. (Note: Do not use this method on genital warts.) Podophyllin, trichloroacetic acid (TCA), and cantharidin are other substances that may be applied to a wart to remove it and which may be more effective, but they are generally only applied by a physician in an office setting. Other methods of wart-removal include freezing the wart with liquid nitrogen (cryotherapy), burning the wart, removing it with a laser, or cutting it out.
A completely different approach involves stimulating the immune system to destroy the wart. The drug Aldara (imiquimod) is the most common approach of this type, although injections of the immune-stimulating substance interferon are sometimes tried as well.
Principal Proposed Natural Treatments
Warts often disappear on their own, as if the body has gotten "fed up" and decided to mount an immune response to remove them. Some evidence indicates that the body can be encouraged to do so through the use of the power of suggestion.
Hypnotherapy may be regarded as the deliberate use of the power of suggestion for therapeutic benefit. In three controlled studies enrolling a total of 180 people with warts, use of hypnosis caused warts to regress to a significantly greater extent than no treatment, placebo treatment, or (in one of the studies) salicyclic acid treatment. 1,2]]> Another study found that fake treatment with an x-ray machine can cause children's warts to disappear. ]]>3]]> For more information, see the full ]]>hypnosis]]> article.
Other Proposed Natural Treatments
Numerous herbs and supplements are marketed as part of topical products said to help remove warts. However, there is no meaningful scientific evidence to indicate that any of them are effective.
One somewhat poorly conducted double-blind study hints that high (and potentially toxic) doses of the mineral zinc]]> , taken orally, may be helpful for warts. Al-Gurairi FT, Al-Waiz M, Sharquie KE. Oral zinc sulphate in the treatment of recalcitrant viral warts: randomized placebo-controlled clinical trial. Br J Dermatol. 2002;146:423-31.
The herb ]]>bloodroot]]>(Sanguinaria canadensis) is traditionally made into a paste and applied directly to the surface of a wart to dissolve it, in the manner of the topical treatments described above.
Other proposed topical treatments include ]]>aloe]]> , ]]>colloidal silver]]> , ]]>greater celandine]]> , ]]>neem]]> , ]]>tea tree oil]]> , and other ]]>essential oils]]> . These herbs are said to kill viruses. The herb ]]>echinacea]]> is also sometimes recommended because it is thought to have immune-stimulating effects. However, there is no meaningful evidence that any of these approaches have any greater wart-removal powers than placebo therapy.
1. Spanos NP, Stenstrom RJ, Johnston JC. Hypnosis, placebo, and suggestion in the treatment of warts. Psychosom Med . 1988;50:245–260.
2. Spanos NP, Williams V, Gwynn MI. Effects of hypnotic, placebo, and salicylic acid treatments on wart regression. Psychosom Med . 1990;52:109–114.
3. Meineke V, Reichrath J, Reinhold U, et al. Verrucae vulgares in children: successful simulated X-ray treatment (a suggestion-based therapy). Dermatology . 2002;204:287–289.
Last reviewed April 2009 by EBSCO CAM Review Board]]>
Please be aware that this information is provided to supplement the care provided by your physician. It is neither intended nor implied to be a substitute for professional medical advice. CALL YOUR HEALTHCARE PROVIDER IMMEDIATELY IF YOU THINK YOU MAY HAVE A MEDICAL EMERGENCY. Always seek the advice of your physician or other qualified health provider prior to starting any new treatment or with any questions you may have regarding a medical condition.
Copyright © 2007 EBSCO Publishing All rights reserved.


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This is a collaborative post between Teresa Silva, who is entering her first year of library school at the Pratt Institute of Information and Library Science, and Turner Masland, who is entering his final semester of Emporia State University's School of Library and Information Management.
Teresa: Finally, after months of waiting, I'll be a student once again. I'm excited and eager to get going. Following various blog source recommendations including a recent post, I've started a blog, I have a twitter account, and after years of having a cell phone solely for dialing and texting, I've upgraded to a smart phone. I've registered for my classes, all core, which I figure will give me a better idea of what I'd like to concentrate in, so come second semester I'll be able to take classes with more of a focus. Now it's just a matter of attending orientations and various introductory activities before school at the Pratt Institute School of Information and Library Science officially begins on August 29th.
The next two years will be dedicated to learning as much as I possibly can about the realm of information and library science. I'd like each class that I take to be challenging, to learn how to effectively relay information to the public in which ever concentration I choose, to be able to engage with my professors and classmates and develop strong professional relationships, and to reach my goal of graduating and finding a job in something that I enjoy.
Now, I'd like to ask my fellow collaborator, Turner Masland, some questions about his first year experience.
1. How was your orientation to library school?
2. Did you feel you were given all the information you needed during your orientation?
3. What expectations did you have upon starting school? Were those expectations met by the end of your first year?
4. Was there anything unexpected that occurred and you wished someone had told you about?
5. What advice would you give to someone who is about to enter his or her first year of library school?
Turner: Let's start first with Teresa's questions:
1. How was your orientation to library school? My orientation was a whirlwind! With a lot of information thrown at me, it was pretty overwhelming. We had a panel of current students and alumni who spoke to us about their experience and offered advice, with them mostly telling us the importance of getting a job in a library, getting involved in professional organizations and networking as much as possible. This was a lot to take in. But it was good advice, especially if you understood that you weren't going to accomplish it all in the first few weeks (or even the first term) of library school. Rome wasn't built in a day, and neither will your career. It is going to take time.
That first day, I remember sitting down next to the girl with the most tattoos, because she seemed like an interesting person. Little did I know that she would become one of my closest friends. It will be important to get to know your classmates: they are going to be your collaborators throughout your time in school, your networks as you enter the profession and some of the only people who are going to understand what you are going through. In many ways, they are your support group and they are important to the process.
2. Did you feel you were given all the information you needed during your orientation? Great question! If I did, it went in one ear and out the other. There was just so much information thrown at us, it was hard to take it all in. Listen to what your faculty, advisers and fellow students have to say, and try your best to jot down what seems most important to you.
3. What expectations did you have upon starting school? Were those expectations met by the end of your first year? My expectation was that library school was going to teach me everything there is to know about being a librarian/information professional. Looking back, that was a silly expectation. Library school is the start of the process of developing your career, and it is going to set you up with an excellent foundation. But it can't teach you everything. You will learn just as much (and in some cases more) once you start managing information in your first job/volunteer gig/internship.
4. Was there anything unexpected that occurred and you wished someone had told you about? Not to scare anyone, but I did not expect it to be as hard as it was. This is a pretty subjective view, because some people in my program thought it was too easy and others didn't make it through. Juggling work, school and life became a challenge. Seeking out help and talking regularly with my *amazing* adviser got me through the program. I realized that it was okay for me to slow down the program a bit (I'm finishing the program a semester after many of my cohort members), and was thankful to have a wonderful support system with my family, classmates and professors. My advice: don't be afraid to ask for help!
I also wish that someone told me to join Twitter earlier! The blogs/articles/opinions/insights shared there have directly contributed to many of my classroom experiences! There would be many times when I would join a discussion with the line "Just the other day, I saw on Twitter…"
5. What advice would you give to someone who is about to enter his or her first year of library school? Teresa asked some amazing questions, which has already covered a lot of what I would say here: Know that this is a start of a journey; library school will prepare you, but prepare to learn outside of the classroom; don't be afraid to ask for help.
I think the biggest piece of advice that I would like to offer is to remember that librarianship and information management is a collaborative process, and this concept manifests itself in many ways. The most direct way you will experience this is working with your classmates. If your program was anything like mine, every class incorporates group work. You will also need to network and get your name out there, as that is how you will most effectively land a job: through people you know and through people who know you.
You also need to pay attention to what is happening in the industry at large as well as what is happening in the areas in which you want to focus your career. There is a constant conversation happening on Twitter, Facebook, Google +, Tumblr and on blogs. Librarians love to share their stories and their observations, be sure to tune in and share your perspectives. Being open to collaboration is going to not only advance your education and careers, it is also going to prepare you to handle a profession that is never going to stop changing.
The most important piece of advice I can give you: Have Fun! This is an awesome profession comprised of fascinating people and it is very welcoming to new students! The learning process that you start in library school is going to continue throughout your career and you are going to be amazed at the places it will take you!
Categories: Starter Kits


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Today's News: Our Take - Oscar Winner Ruth Prawer Jhabvala Dies
Ruth Prawer Jhabvala, the screenwriter and author who won Oscars for adapting the E.M. Forster novels Howards End and A Room with a View, has died. She was 85.
She passed away at her home in New York after a long illness, one of her daughters told the The Associated Press.
During a career that spanned more than 40 years in the film industry, Jhabvala wrote more than 20 screenplays for Merchant Ivory productions. In addition to her Oscar wins, she was nominated for an Academy Award for her adaptation of Remains of the Day.
See other celebrities we've lost this year
Born in Cologne, Germany, to Jewish parents, Jhabvala emigrated to Britain with her family in 1939 to escape the Nazi regime. (Her father later committed suicide after learning that 40 of his family members had died in the Holocaust.) She became a British citizen in 1948, and got her masters in English Literature from Queen Mary College in 1951.
Jhabvala lived in India in the 1950s and began writing novels and short stories, many of which appeared in The New Yorker. In 1975, she received the Booker Prize, Britain's highest literary award, for her novel Heat and Dust. Her final published short story appeared in the March 25 issue of The New Yorker.
She is survived by her husband Cyrus, three daughters, and six grandchildren.
View original Oscar Winner Ruth Prawer Jhabvala Dies at TVGuide.com
Other Links From TVGuide.com


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Dancing's Derek Hough: I'm Excited About the Switch-Up
Hey guys!
Thanks for your votes!
I'm still on a high from Monday. This week was so special. I feel very grateful. The whole theme of Monday night was gratitude. Whenever Amy gets nervous or uptight, she starts letting her that affect her, and she really wanted the dance to be perfect. I said to her backstage, "You can't put that much pressure to make it perfect because you're setting yourself up for failure. Then you'll never be satisfied." I said, "Let's be grateful that we're here, your family's here, you went to the Olympics and won a medal, you're defying odds left and right." It was a flood of emotions, but that just takes the pressure off. Now you're happy to be there and you end up doing a better job any way. When they caught us backstage as I was putting my hand her heart, that's what I was telling her. Afterward, I just thanked her for letting me create something for her that was special for her and her family. I feel like it will go down as a memorable moment. I'm really proud of being a show that allows us to push boundaries and I'm honored to be a small part of Amy's story.
During the whole week, we literally cried several times during the day in rehearsals! We're singlehandedly keeping Kleenex in business. Whenever I explained a certain step, we'd get real emotional about it. She said she's not really used to allowing her emotions to come through. I told her that the dance was permission to feel those feelings. It was definitely a sense of a rebirth. And with the new feet, she just had a sense of ownership and a new femininity about her. I think back to when I met her last month, and now she says she feels like she's rediscovered herself and she feels like a woman. It was awesome hearing that.
This week has been crazy so far. Right after the show on Monday, I went to the premiere for my movie Make Your Move. It's funny - I never understood actors who said they can't watch themselves on screen, but now I totally know what they're talking about! I've seen the movie, but I don't like watching myself either.
We're all working with our new partners this week. I cannot tell you who that is! I'm really excited about the switch-up. I think it's gonna be a positive thing and will re-energize the show. It's a break from the norm for everybody and it's an opportunity for us to get to know the rest of the cast better. Sometimes people have commitments elsewhere and you don't see them except on show days. But we're all going to go back to our original partners after this - no voting or decision-making involved. It's like a trial separation period and we're all having affairs!
I haven't seen Amy all week and last night, I get a message from her, like, "Can we talk to each other?" It was really cute! I've been in there a couple of times to help her and her new partner out, but I've been unbelievably busy running around otherwise, so she and I haven't had a chance to talk at all.
Since I can't tell you much about the switch-up and my new partner, I'll give you a rundown of my crazy Thursday.
4:30 a.m.: wake up
5-8:30 a.m.: press tour for Make Your Move
9 a.m.-1:30 p.m.: rehearsal
1:30-2 p.m.: interview
2:30-5 p.m.: Macy's Stars of Dance rehearsal
5-6 p.m.: interview
6-8 p.m.: meeting for tour with Julianne and Nappytabs
8-10 p.m.: rehearsal
10-12 a.m.: phone call for my book
It's wild just looking at it right now! It was hectic, but I almost thrive on that schedule. I think as long as you can take care of your body, eat the right foods, vitamins, you can do it - maybe not every day because that would be suicidal, but it would be impossible if you don't take care of your body. In the past, I've gotten sick and injured, and a lot of it has to do with my diet.
I'm gonna try to get some rest now. See you Monday!
View original Dancing's Derek Hough: I'm Excited About the Switch-Up at TVGuide.com
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Autopsy confirms Mindy McCready's death as suicide
HEBER SPRINGS, Ark. - Authorities in Arkansas say preliminary autopsy results confirm country music singer Mindy McCready's death was a suicide.
The Cleburne County sheriff said in a statement Wednesday that preliminary autopsy results from Arkansas' state crime lab show McCready's death was a suicide from a single gunshot wound to the head.
Investigators have said McCready apparently shot and killed her late boyfriend's dog before she turned the gun on herself Sunday at her home in Heber Springs, Ark. Authorities found McCready's body and the dog on the front porch where her longtime boyfriend, musician David Wilson, died last month of a gunshot wound to the head.
Authorities are investigating Wilson's death as a suicide but haven't determined an official cause of death yet.


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*Financial data might be different from the actual one. Please confirm the original, and read Caution.
*This site has obtained the information from the FSA's EDINET, Tokyo Stock Exchange's TDnet and Pay statistical data services, Fukuoka stock Exchange's Stock market capitalization, Center for Spatial Information Science's CSV Geocoding Service. The copyright of the information belongs to each corporation etc. .


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A tempest swirls around this year's winner of the most prestigious award for children's literature
Did you see the article in yesterday's New York Times about the controversy surrounding the 2007 Newbery Medal winner, The Higher Power of Lucky, which uses the word "scrotum" on the first page? A review that evaluates both the controvery and the literary merits of the book will appear later today on One-Minute Book Reviews. Technorati is often slow in listing posts. If you're interested in finding out what the fuss is about, please bookmark this site or keep checking back. I hope to post this review by early afternoon.
If you are a member of the media seeking a quote from an expert who is not a teacher or librarian but knows this book well, or from someone who has been a judge for a national literary awards program, use the e-mail address on the "Contact" page of this site to get in touch with me.
(c) 2007 Janice Harayda. All rights reserved.
One-Minute Book Reviews is an independent literary blog created by Janice Harayda, an award-winning journalist who has been the book columnist for Glamour, the book editor of The (Cleveland) Plain Dealer, and vice-president for awards of the National Book Critics Circle.


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Next week booksellers will converge on New York for the trade show BookExpo America, where publishers roll out their summer and fall titles. One of the most noteworthy of the forthcoming books about art is Man With a Blue Scarf: On Sitting for a Portrait by Lucian Freud(Thames & Hudson, October 2010). Beginning in late 2003, the art critic Martin Gayford spent seven months posing for Lucian Freud, whom some regard as the greatest living realist. Gayford sat for two portraits and describes the experience in Man With a Blue Scarf. Here is an excerpt:
"The experience of posing seems somewhere between transcendental meditation and a visit to the barber's. There is a rather pleasant feeling of concentrating and being alert, but no other need to do anything at all except respond to certain requests. 'Would you mind moving your head just a little?', 'Could you move the scarf just an inch? As it is, it looks a little bit "dressed".'At moments sitting seems almost an embarrassingly physical affair: an enterprise that concerns the model's skin, muscles, flesh and also, I suppose – if there is such a thing – self."
This excerpt comes from an advance reading copy of Man with a Blue Scarf. Some material in the finished book may differ.


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Poems about poetry are often a sign that a poet is running out of gas. Two irresistible exceptions appear in A Move in the Weather (Enitharmon, 2003) by the British poet Anthony Thwaite, co-executor of the estate of Philip Larkin.
The first poem — ironically titled "Untitled" — wonders why writers so often fail to write the great works they believe they have in them. It concludes: "You know how it goes, you even know the title, / But an act of making / Is an act of breaking."
The second poem is even better. "The Art of Poetry: Two Lessons" sends up the unofficial rules of writing poetry in a pair of sonnets that break the rules for the rhyme, meter, structure and development of sonnets. The first "lesson" begins:
Write in short sentences. Avoid
Unnecessary breaks. Strictly control
(Or totally eliminate) the adverb.
Eschew such words as "myriad" ….
These poems work partly because of their wit and because they are about more than poetry. Isn't every "act of making" — in life as in literature — also an "act of breaking"? And Thwaite satirizes the rules imposed on all kinds of writers, not just poets. In the first sentence of this post, I broke a rule that journalism students defy at their peril: Don't use the same noun or variations on it three times in a sentence. Some of their professors would say I should also have killed that cliché "running out of gas" and that "even" in the third paragraph. If you've read this far, doesn't that tell you something about whether Thwaite is on the right track?
Read more about Thwaite and hear him read at the Poetry Archive www.poetryarchive.org/poetryarchive/singlePoet.do?poetId=36.
A Move in the Weather is available from the Poetry Bookshop Online www.poetrybookshoponline.co.uk/book-template.asp?isbn=1900564580.
© 2009 Janice Harayda. All rights reserved.


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Delete Key Awards Finalist #1 comes from Denis Leary's Why We Suck: A Feel Good Guide to Staying Fat, Loud, Lazy and Stupid (Viking, 240 pp., $26.95):
The winner of the first-ever One-Minute Book Reviews visitors' poll:
"I'll take five Anna Nicole Smiths for every Martin Luther King."
And the runner-up in the poll:
"The women [at the gym]? Paired off on adjacent treadmills or elliptical trainers – yak yakkety yick yak yic, yic yickety, yawbeddy jawbeddy – jic jak yick. Yicketty yacketty blah blah blah."
Can we all agree that somebody needs to rescue the prose of the star of Rescue Me?
© 2009 Janice Harayda. All rights reserved.


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Say good night, Gracie, to Katy Perry's spinning peppermint bra, which has been deemed a liability by her tour insurers. The ban was inspired by a recent wardrobe malfunction, admitted Perry: "My hair got caught in the wheels of my spinning peppermint bra and began to coil around and around. I'm forced to just go with it so, by the end of the song, it looked quite like I was licking my own tit." A lovely eulogy, indeed.
It is survived by a bra shaped like cinema reels, a cupcake bra, and that phallic conical peppermint bra from "California Gurlz" that jizzes cream. RIP [NME]
Supposedly Andrew Garfield and Robert Pattinson can't stand each other, which means that Emma Stone and Kristen Stewart can't bond on double-dates over how totally weird it is to be famous when you're just a normal person who has panic attacks but just happens to sparrrrrkle. "Andrew hates that they're put in the same category because they're both English and around the same age. They don't enjoy hanging out," says the source. "Andrew considers himself a 'serious actor' and sees Rob as the equivalent of a cheesy boy bander because of Twilight."[Us Weekly]
The boyfights continue this morning with Channing Tatum and Alex Pettyfer, whom you'd think would have been brought together by being pantsless in close proximity in Magic Mike. This is not the case. Supposedly Chay Tates thinks Pettyfer is a diva and a pain in the ass and refuses to do photo shoots with him. Guys—this calls for a walk-off. They're break-dance fighting! [Page Six]
Judge Britney Spears' new X-Factor promo displays a weary, Bogie-esque attitude, in which she dismisses one contestant as "bad to the bone." Briiiiiiiiitttt.
Unsurprisingly, liberal Obama supporter Angelina Jolie is "mortified" by Brad Pitt's mother Jane's super-righty, anti-gay marriage letter printed in a Missouri newspaper. Pitt has advised Jolie in the past not to take his mom's political beliefs seriously, and the two usually try not to talk politics when they're together. Angelina recently asked Brad to have a talk with Jane about how she shouldn't be writing letters like that because it'll be a big media shitshow.
Meanwhile, Jolie's dad Jon Voight weighed in on Jane's side: "Good for her." Haha, what an asshole. [Daily Mail]
- Prince William and Kate Middleton haven't had sex in four months, maybe.[Hollywood Life]
- Amanda Seyfried's ex Dominic Cooper has moved on with another actress named Ruth Negga. [Daily Mail]
- Jessica Simpson turned 32 and her daughter Maxwell wore a tiny Fendi dress. [People]
- Joshua Jackson is not freaked out by girlfriend Diane Kruger's upcoming onscreen kiss with another woman. [Monsters and Critics]
- Sienna Miller's new baby's full name is Marlowe Ottoline Layng Sturridge. [People]
- Johnny Depp is gonna voice Edwards Scissorhands on Family Guy.. I DO NOT GET YOU, JOHNNY DEPP. [TMZ]
- Peter O'Toole is retiring. [Express]
- Chris Martin messed up a Coldplay song and told concert-goers: "I'm sorry, I'm sorry, I completely fucked it up. Let's start again. I'm so sorry. I was thinking about something else and I shouldn't have been." He then added with chagrin that it was going to be on YouTube. It is! :D [Express]
- Jessica Biel admits that Justin Timberlake has "better taste" than she does. [NYDN]
- Bryan Cranston autographed a picture of a fan's fibroid cyst one time. ("It had just been removed from her lady-parts.") [HuffPo]
- Chris Brown's new album is somehow #1 on the Billboard 200?! How? Did you buy it? [HuffPo]
- "Put that fucking cockatoo away," PETA tells Cee-Lo. [TMZ]
- Adele dropped a few thousand bones on a nursery. [Monsters And Critics]
- You may have heard Eddie Murphy died in a snowboarding accident but you heard wrong. [OMG]
- Penelope Cruz might be pregnant again with Javier Bardem's baby, which means they have had sex at least twice. She's slept with Javier Bardem twice. In other news, this seems like a good time to repost that picture of me crying and eating Cheez-Its simultaneously. [Hello Magazine]
- Fabio holds an enthusiastic fan in a passionate embrace at Whole Foods in Hollywood. [Steph Was Here via World of Wonder]


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FAQs -- Tributes.com
Frequently Asked Questions
Where do you get the information for your obituaries?
We receive our obituaries from funeral home partners across the country as well as a number of public sources.
I am looking for more information than you provide on an obituary (i.e. the full obituary, contact information for surviving family members, service information, cause of death, etc.) How can I find out more?
The information we display on the obituary is all that is available through public sources. Obituaries from public sources will contain basic information--person's name, date of birth (if known), date of death and last known residence (if known). Obituaries from funeral homes can contain more detailed information such as surviving family and friends and service/burial information. No further information is available other than what you see on the obituary record.
How can I report errors I see on an obituary and have them corrected?
We are happy to correct any errors you come across on obituaries. Please send a detailed e-mail to firstname.lastname@example.com and be sure to include the person's name, date of birth (if known), date of death, and last city/state of residence along with the corrections you are requesting.
For corrections on older records that were obtained by us through the Social Security Death Index, we recommend you contact them as well to make the correction.
Any significant changes, additions or edits on obituary records we have received via our funeral home partners may need to be made by the funeral home. Once they make the correction, Tributes will receive the updated information.
I can't locate my loved one in your database. Why is that? Can I create a record for him/her?
We have over 95 million records in our database dating back to 1936. If you cannot locate the person you are looking for by searching by name, date range of death and location, try just searching by name and date range of death. You may have better luck.
You can create a record for a loved one you cannot locate visit http://www.tributes.com/obituary/create_options Please email email@example.com if you have any questions or need assistance.
I see a record for my loved one on the Tributes site and would prefer to have it removed. How do I do so?
respect the privacy of visitors to Tributes.com. If you are the
beneficiary and prefer to have the record of a loved one removed, we are happy
to oblige. Providing the last four digits of the deceased's Social Security
number satisfies proof of beneficiary status. We can remove the record
once this status has been established.
Please e-mail email@example.com with the words "Removal Request" as the subject.
Be sure to include the link to the obituary. Or specify the person's name, date of birth (if known), date of death, and city/state of last residence. The last 4 digits of the deceased's Social Security number and your relationship to the deceased. Requests are typically processed within 2 to 3 business days.
Please note: If a record has been upgraded to a paid Tribute, we cannot honor a request to remove it. If a free trial for a Tribute or Photo Obituary has been started, the record cannot be removed until the free-trial period ends and the Tribute/Photo Obituary has not been purchased.
I posted a condolence on a tribute and would like to make some edits/delete it. How do I do that?
If you are registered with Tributes, are logged into the site and leave a condolence, there will be an 'edit' link underneath the condolence you left (provided you are still logged in). Note: In order to see the edit link, you must have been logged in at the time you left the condolence. If you are not registered with the site and left a condolence you want to edit, email firstname.lastname@example.com with the revised condolence text, the name of the person whose tribute you want to edit, the date of death and city/state of their residence, and your name as it appears on the condolence. We will make the edit for you on your behalf.
To delete a condolence, you must e-mail firstname.lastname@example.com with the name of the person whose tribute you want to edit, the date of death and city/state of their residence and your name as it appears on the condolence.
For security purposes, all of our passwords are encrypted and even the Tributes staff does not have access to them. If you have forgotten your password, you can request a new one on the login page (www.tributes.com/account/obitsreg) by clicking on, 'Forgot your password?' A new password will be sent to the e-mail account you used to register. Once you have logged in with the new password, you can change it to whatever you'd like in the 'My Account' page by clicking on, 'Change Password.'
How can I change the frequency of my Obituary Alerts?
To control the frequency of obituary alert emails, you can opt to receive the emails less frequently, or not at all and instead check the alert yourself whenever you are on the site. To do so, click on the 'My Account' button and then click on 'Manage My Alerts.' By selecting 'edit' you can control the frequency of the emails.
How can I deactivate my account?
If you would like to deactivate your account, you can do so in the 'My Account' page by clicking on 'Deactivate my account.' NOTE: You must be logged in to access your 'My Account' page. If you change your mind and want to reactivate your account, send us an e-mail at email@example.com. Deactivating your account DOES NOT CANCEL any Tributes you have created and are currently being billed for. To cancel a Tribute, see below.
If you cannot find the answer you are looking for, contact the Tributes Support Team at:
Tributes, Inc.
745 Atlantic Ave, 3rd Floor
Boston, MA 02111
To expedite the answer process, make sure you include:
- the full name of the person you have questions about
- date of birth (if known)
- date of death and city/state of last residence
Or, you can provide the URL address of the record you are inquiring about.


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Soo Locks seasonal opening offers visitors a close-up, nighttime view of freighters
The U.S. Army Corps of Engineers, Detroit District, announces the Soo Locks in Sault Ste. Marie, will open at 12:01 a.m. Monday, marking the beginning of the 2013 Great Lakes shipping season. To accommodate visitors, the observation deck and park will be open from 11 p.m. tonight until 1 a.m. Monday.
"Navigation is the primary mission of the Detroit District and the Soo Locks is the linchpin of the Great Lakes Navigation System," said Lt. Col. Robert J. Ells, district engineer. "We invite the public to come and enjoy the impressive sight of large freighters passing through the locks. The view from the park is excellent, and the Soo Locks Visitor Center helps enhance the overall experience."
The locks were closed for the winter Jan. 15 and underwent routine annual repairs and maintenance during the shutdown.
On Monday from 9 a.m. to 3 p.m., there will be an open house featuring slide shows and refreshments at the Soo Locks Visitor Center. Admission is free.
The U.S. Army Corps of Engineers, Detroit District, maintains a navigation system that includes 94 harbors and the Great Lakes connecting channels that join lakes Superior, Michigan, Huron, St. Clair and Erie.


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In Stock
You Save ($441.99)
item ID: 145475
Contact us for advice or more details.
Our product specialists are here to help.
Increase storage space and free up your room space at the same time. Imagine, 6 large extra deep (19") drawers in your bedroom even before you add in your night tables or any chest or dressers. That's what you get with this practically designed, functional, attractive storage bed. It's an all-in-one bedroom suite under your mattress!
|Assembly Required
|Supplier Intended Use:
|Residential Use Only; Not Intended for Non-Residential Use.
Bedroom, living room, and home furniture from Prepac combines modern styling and the affordability of ready to assemble furniture. Since 1979, Prepac has been honing the style and craftsmanship of their products at their Delta, BC facility, just outside Vancouver Canada. Over the years, they've become a leading manufacturer of cost-effective, environmentally friendly furniture.
Browse their furniture collections for office and media pieces including desks, hutches, Prepac TV stands and media storage. In addition to their clean, minimalist styles, Prepac furniture is made with engineered woods, as durable as they are economical. Choose from finishes including black, cherry, espresso, maple, and white.
Modern and transitional bedrooms are easy to coordinate, easy to assemble, and very affordable when you choose Prepac bedroom sets. Build a unique room by starting with a Prepac headboard or bed frame, adding Prepac dressers, nightstands, mirrors, and more. These bedroom furniture collections, in light and dark finishes, are ideal for first apartments, guest rooms, or any contemporary space for which you want value-oriented, coordinated pieces.
Create a unique, cleverly designed modern media room with Prepac's television and entertainment furniture. Prepac TV stands come in wall-mounted, corner, and armoire models, along with designs sturdy and broad enough for large LCD televisions. Once you've housed your televisions and media players, add media storage units from Prepac to keep your DVD's tidy and organized. Choose conveniently scalable units, adding extra storage as your movie and music libraries grow.
Prepack's office furniture features the same contemporary styling, durability, and affordability as their bedroom and entertainment pieces. For your home office, student apartment, or commercial workplace, Prepac desks, bookcases, and hutches make it easy to coordinate a practical, yet attractive work area.
Top 10 Prepac Collections:


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A Christian apologetics ministry dedicated to demonstrating the historical reliability of the Bible through archaeological and biblical research.
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text:
Jump to main content
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Ed note: This was originally published on The CMS Blog, the official blog for the Centers for Medicare & Medicaid Services
Fighting fraud and waste in the health care system is a top priority for the Obama Administration. We are committed to using all resources at our disposal in these efforts – and they are paying off.
Just last week, the Departments of Justice and Health and Human Services (HHS) released an updated annual report showing that in FY 2011 anti-fraud efforts have recovered more than $4.1 billion in fraudulent Medicare payments – the second year in a row recovery efforts reached this unprecedented level. Compare this to just $2.14 billion recovered in FY 2008. Prosecutions are way up too: the number of individuals charged with fraud increased from 821 in fiscal year 2008 to 1,430 in fiscal year 2011 – nearly a 75 percent increase.
But we know we need keep doing more to end the "pay and chase" model of fighting fraud. We need to stop fraud and waste from happening in the first place. Today we're taking an important step to protect taxpayer dollars by reducing improper payments to Medicare Advantage plans, an action that is estimated to save $370 million in the first audit year alone. By improving the way we audit Medicare Advantage contracts, we will reduce the payment error rate for the Medicare Advantage program and that saves money for Medicare.
We are also using new, advanced techniques to fight fraud. Starting last year, we have been using "predictive modeling" technology – similar to technology used by credit card companies to identify and fight fraud nationwide. This effort is just getting started but it's already making a difference. Since the predictive modeling system was activated, CMS has stopped, prevented or identified $20 million in payments through November 2011 that should not have been made.
In addition, predictive modeling has identified 2,500 leads for further investigation, 600 preliminary law enforcement cases under review and resulted in 400 direct interviews with providers who would not have otherwise been contacted.
Predictive modeling won't reach its full potential in overnight, but it's already making an incredible difference and will do even more in the weeks, months and years ahead.


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Over the last couple of weeks, we have brought you a series of posts about preparing yourself for the job search. Ashley gave you general advice she gleaned from an interview with a hiring manager. Rose brought you advice on filling out your job application and creating a cover letter. Then Laura talked about tips for how to dress when you go to an interview or job fair. Today's post talks about a tool you can add to your job search toolkit to help you stand out: the eportfolio.
The portfolio concept has been around for a long time within the art and architecture fields. In a portfolio, a student builds a collection of examples of his or her work to showcase to potential employers. This concept, however, is a relatively new one within library and information science schools. Some schools, such as San Jose State University, require all their students to complete one [Correction: SJSU gives students the option of creating one over a thesis, and most students do chose this option.]. Others, such as the University of Tennessee, are in the process of implementing the eportfolio as an alternative to the thesis or comprehensive exams. Today, I'm going to answer four questions to introduce you to the eportfolio and explain how it can be an asset to your job search, namely:
- What is an eportfolio?
- What are its benefits?
- Why should I consider making one?
- How do I get started?
What is an ePortfolio?
An eportfolio is an online showcase and demonstration of your skills and knowledge. It's a website where you discuss your education, showcase and exhibit products you've created, and accent your improvements and growth throughout grad school and beyond. The eportfolio also provides a platform for collection of "learning artifacts." Learning artifacts are actual examples of your learning. They can be in the form of exams, projects, presentations, or research papers. You can also use an eportoflio for visualization of important material and knowledge. For example, you can display concept maps for each of your classes to display what you learned to strengthen and enhance your learning.
What are its Benefits?
One of the major benefits of preparing an eportfolio is that it provides a place for active learning and reflection. Active learning is the opposite of passive learning. Passive learners sit in the classroom — maybe taking notes, maybe not — and listen to the teacher. They study and take exams, but rarely give the material another thought. Active learners constantly reflect upon what the material is teaching them and how they can apply it to their future goals. When their tests are returned, they analyze what they did well on and what they need to work on. They write a journal entry about it to solidify the experience and extract the important details to take away from it. They might even attempt to redo the exam questions they missed to improve them. This form of learning causes the students to truly synthesize the material into their thinking, not merely memorize and regurgitate it for an exam.
Another benefit of an eportfolio is that you can demonstrate how you've grown and improved over the course of your graduate school years. This is key, because employers want to see that you can grow once they hire you. They expect you to continue learning and growing as an employee, so accentuating this in your eportfolio proves to them that you're capable.
Why Should I Consider Making One?
Even if your program doesn't require you to make one or offer it as an option, you should create one. Contributing to your eportfolio throughout your career will place you above the crowd in each of your classes because you will have synthesized the material far more deeply than your classmates. You will also stand out when you graduate because you will have proof of your skills, knowledge, talents, and growth to show your potential employers. Simply telling an employer what you can do in a resume and cover letter is one thing, but showing them examples of where you've actually done it makes you stand out.
How Do I Get Started?
Creating your own eportfolio is easy! You can use any web content management software you are familiar with, such as Drupal or WordPress. I suggest you start with WordPress because it is very easy to operate. Almost anyone can get started in WordPress with almost no web design experience. Simply set up a free account in WordPress and get started. There are plenty of WordPress tutorials on Youtube to help.
My eportfolio is still being built (I'm in my second semester at the University of Tennessee), but I'm happy to share it with you. It's a work in progress and will constantly be changing. There is still a lot I want to do with it that I haven't done yet. I'm happy to hear suggestions from those of you with some web design experience on how to make it better. Just click here!
Would you consider setting up an eportfolio? If so, do you have any other questions about it that I could answer? If you already have an eportfolio in some form or another, tell us about it and provide a link to it, if you don't mind.
Categories: Job Searching, Technology


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About Royal Racing
Royal Racing was founded in 2000 by Brit riding legend Steve Peat and designer Nick Bayliss, who sought to provide the downhill mountain bike community with gear designed specifically for their kind of riding. A decade later, the company continues to develop apparel that sets the standard in downhill, freeride and trail riding. From roomy technical jerseys designed to accommodate body armor, to comfortable, supportive, bomb-proof shorts and MTB-specific gloves, Royal Racing will help keep you rolling.


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Year of publication
- 2005 (2) (remove)
Document Type
- Preprint (2)
- English (2) (remove)
- structure-generating processes (2) (remove)
Has Fulltext
- yes (2)
Emergence, analysis and optimization of structures - Concepts and strategies across disciplines (draft version) (2005)
Emergence, analysis and optimization of structures - Concepts and strategies across disciplines (draft version) (2005)
The study of structures is a common concern of all scientific disciplines. The motivation as well as the methods of analysis, however, differ considerably. In engineering, the generation of artifacts, of infrastructures or technological processes are of primary interest. Frequently, the analysis aims at an optimization of the structures and the structure generating processes. Quite different is the study and explanation of existing structures in biology and the social sciences. Here the question of optimality does not present itself in an unambiguous manner. Generally, it must be questioned whether biological and social structures, although developing in an evolutionary way, can be considered as leading towards an a-priori defineable goal of optimality. The complex scenario of qualitative and quantitative modeling, and the goal-oriented and statistical approaches to understanding the meliorisation efforts in the various fields of the sciences and humanities define the scope of this book. Its intention is to create trans-disciplinary insights into methods to fecundate the custom disciplinary approaches.


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Jar With Frog2001-7889
Decal Life Size: 22 H x 32 W
Decal Reduced Size: 15 H x 22 W
Ships In: 3 - 5 business days
Product Description
Creative for Kids Wall Decals have an adhesive back which sticks to smooth surfaces such as walls, wood and glass without leaving a residue. Best of all, Creative for Kids Wall Decals are semi-permanent! They will stick as long as you need them to, but are completely removable-so you can reposition and reuse them as your decorating needs change.
Wall Decals are designed for use on flat surfaces only and wall surface must be allowed to cure for 30 days after painting, before applying decals. Decals will eventually peel if applied to surfaces of a rough or uneven texture. If your walls are rough we provide instructions on how to make cut outs that can be secured to cinderblock or other rough surfaces. Material is vinyl and can be cleaned with a soft, damp cloth.
This CFK product is non refundable because it is made to order.


text: media mail - restrictions applyIf you're not in a rush, shipping your order by media mail will save you a ton on shipping. media mail is a special service created by the Post Office aimed at spreading art, music, and knowledge with minimal costs. The trade-off is the time you have to wait for delivery.East Coast may take 2 to 5 daysWest Coast is 4 to 7 days.This service can ONLY be used to ship: media type items, like CDs, Vinyl Records, Cassettes, DVDs, memory cards, printed music, printed artwork, books, magazines, etc..A media mail shipment cannot contain things like clothing, shoes, jewelry, key chains, toys, etc. If your cart contains any of these "non-media" items, you cannot select this shipping service.


text:
There is no maintainer for obsession. This means that this package no longer exists (or never existed). Please do not report new bugs against this package.
Devuan BTS -- Powered by Debian bug tracking system
Copyright (C) 1999 Darren O. Benham,
1997,2003 nCipher Corporation Ltd, 1994-97 Ian Jackson,
2005-2017 Don Armstrong, and many other contributors.
Devuan Bugs Owner <email@example.com>.
Last modified: Sun Jan 29 18:21:49 2023;