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About the Fund
The First Trust Target Date Funds are collective investment funds that invest according to a strategy determined by First Trust Advisors L.P., which serves as the Fund's Sub-Advisor. These funds were created by Hand Composite Employee Benefit Trust and are sponsored by Hand Benefits & Trust Company, a BPAS Company.
Risk Factors
The First Trust Collective Investment Funds are not mutual funds and their units are not deposits of the Trustee, Hand Benefits & Trust Company, or the Sub-Advisor, and are not insured by the Federal Deposit Insurance Corporation or any other agency. The units are securities which have not been registered under the Securities Act of 1933 ("1933 Act") and the Fund is exempted from investment company registration under the Investment Company Act of 1940 ("1940 Act"). Therefore, participating plans and their participants will not be entitled to the protections under these Acts. Management of the Trust, however, is generally subject to the fiduciary duty and prohibited transaction rules under Employee Retirement Income Security Act of 1974 ("ERISA").
As with any investment, you can lose money by investing in a Fund. The mix of assets in a Fund is intended to diminish the risk of loss, but sometimes stocks, bonds, and other assets in a Fund's portfolio may lose value simultaneously. While the Funds are managed to reduce equity market exposure and, therefore, equity market risk over time, investment in a Fund is exposed to market risk and other certain risks. Before investing you should consider carefully the following risks that you assume when you invest in the Fund. For more information regarding the following risks, please consult the Fund's Information Statement.
Commodity Risk. The value of commodities and commodity-linked instruments typically is based upon the price movements of a physical commodity or an economic variable linked to such price movements. The prices of commodities and commodity-related investments may fluctuate quickly and dramatically and may not correlate to price movements in other asset classes. An active trading market may not exist for certain commodities. Each of these factors and events could have a significant negative impact on a Fund.
Credit Risk. Credit risk is the risk that an issuer of a security will be unable or unwilling to make dividend, interest and/or principal payments when due and the related risk that the value of a security may decline because of concerns about the issuer's ability to make such payments.
Currency Exchange Rate Risk. The Fund may hold investments that are denominated in non-U.S. currencies, or in securities that provide exposure to such currencies, currency exchange rates or interest rates denominated in such currencies. Changes in currency exchange rates and the relative value of non-U.S. currencies will affect the value of the Fund's investments and the value of Fund shares. Currency exchange rates can be very volatile and can change quickly and unpredictably. As a result, the value of an investment in the Fund may change quickly and without warning and you may lose money.
High-Yield Securities Risk. High-yield securities, or "junk" bonds, are subject to greater market fluctuations and risk of loss than securities with higher investment ratings, and therefore, may be highly speculative. These securities are issued by companies that may have limited operating history, narrowly focused operations, and/or other impediments to the timely payment of periodic interest and principal at maturity. If the economy slows down or dips into recession, the issuers of high-yield securities may not have sufficient resources to continue making timely payment of periodic interest and principal at maturity. The market for high-yield securities is smaller and less liquid than that for investment grade securities. High-yield securities are generally not listed on a national securities exchange but trade in the over-the-counter markets. Due to the smaller, less liquid market for high-yield securities, the bid-offer spread on such securities is generally greater than it is for investment grade securities and the purchase or sale of such securities may take longer to complete.
Income Risk. Income from a Fund's fixed-income investments could decline during periods of falling interest rates.
Inflation Protection Securities Risk. The Funds may invest in ETFs that invest in Treasury Inflation-Protected Securities ("TIPS") issued by the U.S. Department of Treasury or similar securities issued by foreign governments. TIPS are inflation-indexed fixed-income securities that utilize an inflation mechanism tied to the Consumer Price Index ("CPI"). TIPS are backed by the full faith and credit of the United States. TIPS are offered with coupon interest rates lower than those of nominal rate Treasury securities. The coupon interest rate remains fixed throughout the term of the securities. However, each day the principal value of the TIPS is adjusted based upon a pro-rata portion of the CPI as reported three months earlier. Future interest payments are made based upon the coupon interest rate and the adjusted principal value. Inflation-protected securities issued by foreign governments offer similar features as TIPS. In a falling inflationary environment, both interest payments and the value of the TIPS and other inflation-protected securities will decline.
Interest Rate Risk. Interest rate risk is the risk that the value of the fixed-income securities and real estate investment trust ("REIT") interests held by the Fund will decline because of rising market interest rates. Interest rate risk is generally lower for shorter term investments and higher for longer term investments. Increases in interest rates typically lower the present value of a REIT's future earnings stream, and may make financing property purchases and improvements more costly. Because the market price of REIT stocks may change based upon investors collective perceptions of future earnings, the value of a Fund will generally decline when investors anticipate or experience rising interest rates.
Market Risk. Market risk is the risk that a particular security owned by a Fund or units of a Fund in general may fall in value. Securities are subject to market fluctuations caused by such factors as economic, political, regulatory or market developments, changes in interest rates and perceived trends in securities prices. Overall Fund unit values could decline generally or could underperform other investments.
Market Risk. Market risk is the risk that a particular security owned by a Fund or units of a Fund in general may fall in value. Securities are subject to market fluctuations caused by such factors as economic, political, regulatory or market developments, changes in interest rates and perceived trends in securities prices. Overall Fund unit values could decline generally or could underperform other investments.
Non-U.S. Securities and Emerging Markets Risk. The Funds invest in securities of non-U.S. issuers, including non-U.S. dollar-denominated securities traded outside of the United States and U.S. dollar-denominated securities of non-U.S. issuers traded in the United States. Such securities are subject to higher volatility than securities of U.S. issuers due to: possible adverse political, social or economic developments; restrictions on foreign investment or exchange of securities; lack of liquidity; excessive taxation; government seizure of assets; different legal or accounting standards; and less government supervision and regulation of exchanges in foreign countries. These risks may be heightened for securities of companies located in, or with significant operations in, emerging market countries.
Pooled Investment Vehicles and Exchange-Traded Funds Risk. The Fund may invest in securities of other investment companies, including ETFs and other PIVs. The risks of owning shares of an ETF or other PIV generally reflect the risks of owning the underlying securities of the ETF or other PIV, although lack of liquidity in an ETF or other PIV could result in it being more volatile. As a shareholder in an ETF or other PIV, the Fund will bear its ratable share of that vehicle's expenses, and would remain subject to payment of the Fund's advisory and administrative fees with respect to assets so invested. Unit holders would therefore be subject to duplicative expenses to the extent the Fund invests in ETFs or other PIVs. In addition, the Fund will incur brokerage costs when purchasing and selling shares of ETFs or other exchange-traded PIVs. Securities of ETFs or other PIVs may be leveraged, in which case the value and/or yield of such securities will tend to be more volatile than securities of unleveraged vehicles.
Real Estate Investment Risk. The Fund invests in companies in the real estate industry, including REITs. Therefore, the Fund is subject to the risks associated with investing in real estate, which may include, but are not limited to, fluctuations in the value of underlying properties; defaults by borrowers or tenants; market saturation; changes in general and local economic conditions; decreases in market rates for rents; increases in competition, property taxes, capital expenditures or operating expenses; and other economic, political or regulatory occurrences affecting companies in the real estate industry.
The Fund invests in real estate companies that may be adversely impacted by the downturn in the subprime mortgage lending market in the United States. Subprime loans have higher defaults and losses than prime loans. Subprime loans also have higher serious delinquency rates than prime loans. The downturn in the subprime mortgage lending market may have far-reaching consequences into many aspects and geographic regions of the real estate business, and consequently, the value of the Fund may decline in response to such developments.
REIT Investment Risk. In addition to risks related to investments in real estate generally, investing in REITs involves certain other risks related to their structure and focus, which include, but are not limited to, dependency upon management skills, limited diversification, the risks of locating and managing financing for projects, heavy cash flow dependency, possible default by borrowers, the costs and potential losses of self-liquidation of one or more holdings, the risk of a possible lack of mortgage funds and associated interest rate risks, overbuilding, property vacancies, increases in property taxes and operating expenses, changes in zoning laws, losses due to environmental damages, changes in neighborhood values and appeal to purchases, the possibility of failing to maintain exemptions from registration under the 1940 Act and, in many cases, relatively small market capitalization, which may result in less market liquidity and greater price volatility. REITs are also subject to the risk that the real estate market may experience an economic downturn generally, which may have a material effect on the real estate in which the REITs invest and their underlying portfolio securities.
Senior Loan Risk. Senior loan securities are subject to numerous risks, including credit risk, interest-rate risk, income risk and prepayment risk. Senior floating-rate loans are usually rated below investment grade but may also be unrated. As a result, the risks associated with these loans are similar to the risks of high-yield fixed-income instruments. An economic downturn would generally lead to a higher non-payment rate, and a loan may lose significant market value before a default occurs. Moreover, any specific collateral used to secure a loan may decline in value or become illiquid, which would adversely affect the loan's value. Unlike the securities markets, there is no central clearinghouse for loan trades, and the loan market has not established enforceable settlement standards or remedies for failure to settle. Therefore, portfolio transactions in loans may have uncertain settlement time periods. Floating rate loans are subject to prepayment risk. The degree to which borrowers prepay loans, whether as a contractual requirement or at their election, may be affected by general business conditions, the financial condition of the borrower and competitive conditions among loan investors, among others. As such, prepayments cannot be predicted with accuracy. Upon a prepayment, either in part or in full, the actual outstanding debt on which the Fund derives interest income will be reduced. The Fund may not be able to reinvest the proceeds received on terms as favorable as the prepaid loan.
Smaller Companies Risk. The Funds invest in small and/or mid- capitalization companies. Such companies may be more vulnerable to adverse general market or economic developments, and their securities may be less liquid and may experience greater price volatility than those of larger, more established companies as a result of several factors, including limited trading volumes, products or financial resources, management inexperience and less publicly available information. Accordingly, such companies are generally subject to greater market risk than larger, more established companies.
Plan sponsors and participants should consider each Fund's investment objective, time horizon, risks, charges and expenses carefully before investing. Contact
your financial advisor, visit www.ftportfolios.com, or call First Trust Portfolios L.P. at 877-937-4015
to request an Information Statement, which contains this and other information about the Fund. Read it carefully before you invest.


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We've pulled out the boardgames this summer – the lad and lass now old enough to enjoy playing more complex games. It was a quiet achievement for the lad to play Scrabble, undaunted by picking out words and spelling. Mind you, spelling 'fart' has never presented a problem for him, regardless of his dyslexia.
At the moment, the three of them are at a game of Chameleon which I haven't played yet. But I did see how the lass beat the Bloke in her first game so I think some respect might be in order when I come up against her. I watched for five minutes and was told to leave the room or keep quiet. I can't help myself – something like Tetris or Chameleon and I start shouting out where the player should go. Which means I get told where to go.
I've been pursuing my own passions since Christmas, kindly fuelled by gifts. The Bloke gave me Saraban, the latest cookbook by Greg and Lucy Malouf. Oh my, it's beautiful. The food looks good too. I've already prepared a few meals and realised just how much yoghurt is used. This is not a bad thing but it would mean anywhere between $10-15 worth of yoghurt a week. What to do? Make your own.
First I tried the simple method that is recommended in the book which means using a tablespoon or two of a commercial yoghurt as your starter culture. This turned out fine but it was thinner than I prefer. So, just a few minutes noodling on the net and I found Green Living Australia who supply yoghurt cultures. What you see above is my first batch of Greek-style yoghurt!
It's delicious with a full, lingering taste. I shall divide this 1 litre batch into three and try it flavoured with honey, salted and the last will be drained to make labneh, a soft yoghurt cheese.
It was so utterly simple to make that it seems ridiculous. The dried culture will make between 80-100 batches and cost about $12. No particular equipment is necessary, though I decided that I would buy a tightweave cheesecloth, calcium chloride (2-3 drops ensure a thicker set) and a set of mini measuring spoons. Separately I bought a dedicated 1 litre thermos since I'm not keen on coffee-infused yoghurt.
All up, a $50 outlay means I'll be able to make two litres of yoghurt for the rest of the year (for each alternate batch I'll use four tablespoons of yoghurt as the starter rather than the dried culture).
And I've noticed that Green Living Australia have a feta making kit. Yum!

subset: commoncrawl


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What Does Lady Gaga's Team Think of Madonna's 'Born This Way' Cover?
Madonna is mashing up Lady Gaga's 'Born This Way' with her own 'Express Yourself,' which many feel 'BTW' cribbed its melody from, in concert. She caps it off with 'She's Not Me,' in what looks and sounds like pointed jab at the Mother Monster. Madge herself referred to the song as "reductive" when asked her opinion on it. So how does Gaga's camp feel about the mashup?
Well, Gaga herself has yet to tweet about Madonna's cover — we're hoping she will — but one of her producers, Fernando Garibay, responded to a fan who tweeted and asked how he felt. Turns out he's fine with it, since every time Madge does it, he gets paid.
As one of the songwriters, he gets paid a royalty commission when the song is performed. He was quite classy in his reply, saying, "Madonna? Luv her. And I get paid when she sings our songs. Life is beautiful sometimes." He also posted, "All I know is I get paid every time she does it."
Essentially, he's laughing all the way to the bank, as is the Mother Monster. Touche.
Check out Garibay's Twitter feed here.
Thanks to Gaga Daily for digging up the Garibay's tweets and responses on the matter.


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|Recreation &Leisure
|New Age
|The information on this site is Copyright © 1997-2003 AUTO LEMON - USED CAR HISTORY CHECK Shopping Mall. All Rights Reserved. This site is solely for your personal use. You may link to these pages or print them out for your own personal use, but no parts of these pages can be reproduced, sold, or transmitted in any form without explicit written permission. By copying or paraphrasing the intellectual property on this site, you're automatically signing a binding contract and agreeing to be billed $10,000 payable immediately.


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"The most important person in the world to you is you, and you hardly even know you."
That was the most evil, most vile, most satanic, most sadistic, most corruptive, most destructive jingle and ad campaign of the 1970s. It created tens of millions of narcissists nationwide. 50 million of them voted for the biggest narcissist ever to sit in the Oval Office in history. And they have succeeded in destroying this once great (and now crumbling) nation. And it is the fault of that ad campaign and that jingle and the radical Socialist education establishment.
J Jesus first.
O Others second.
Y Yourself last.
The only way to true joy in your life is to dedicate yourself to Jesus first, others second, and yourself last. Any other — all other — routes will lead to despair and an overwhelming feeling of neediness. You will not ever feel at peace until you exercise JOY.
And this nation will never recover from its narcissistic Socialist, nation-destroying agenda until enough people exercise JOY to counteract all the narcissists who voted for the world's biggest narcissist (eclipsing Adolf Hitler himself).


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Will you be making another appointment with The Mob Doctor? Did you find Revolution electrifying?
Now that these two new dramas have premiered, we want to know your thoughts — and what you think of every new show this season.
Are you intrigued by The Mob Doctor's double life? Or are you ready to put this show down? Are you excited to follow Revolution's mysterious path? Or do you want to pull the plug already? Vote now for The Mob Doctor and Revolution! And don't forget to tell your friends and other fans to vote too.
Vote: Which fall premieres won you over? Which flopped?
Check back to see what TVGuide.com users think of your favorite — and least favorite — new shows. And stay tuned to see the final rankings of the season's most liked and disliked freshman series.
Plus, check out our full calendar to help you keep track of all the premiere dates and when to vote.


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- Flavor
- Other aspects of food (such as cost, convenience, nutrition)
- Demographics
- Culture and religion
- Health
- Social and emotional influences
- Food industry and the media
- Environmental concerns
Now we will look at many of these factors in depth.
The most important consideration when choosing something to eat is the flavor of the food. Flavor is an attribute of a food that includes its appearance, smell, taste, feel in the mouth, texture, temperature, and even the sounds made when it is chewed. Flavor is a combination of all five senses: taste, smell, touch, sight, and sound. From birth, we have the ability to smell and taste. Most of what we call taste is really smell, a fact we realize when a cold hits our nasal passages. Even though the taste buds are working fine, the smell cells are not, and this dulls much of food's flavor.
Flavor— An attribute of a food that includes its appearance, smell, taste, feel in the mouth, texture, temperature, and even the sounds made when it is chewed.
Taste comes from 10,000 taste buds—clusters of cells resembling the sections of an orange. Taste buds, found on the tongue, cheeks, throat, and roof of the mouth, house 60 to 100 receptor cells each. The body regenerates taste buds about every three days. They are most numerous in children under six, which may explain why youngsters are such picky eaters. These cells bind food molecules dissolved in saliva, and alert the brain to interpret them.
Taste— Sensations perceived by the taste buds on the tongue.
Taste buds— Clusters of cells found on the tongue, cheeks, throat, and roof of the mouth. Each taste bud houses 60 to 100 receptor cells. The body regenerates taste buds about every three days. These cells bind food molecules dissolved in saliva and alert the brain to interpret them.
Although the tongue is often depicted as having regions that specialize in particular taste sensations—for example, the tip is said to detect sweetness—researchers know that taste buds for each sensation (sweet, salty, sour, and bitter) are actually scattered around the tongue. In fact, a single taste bud can have receptors for all four types of taste.
If you could taste only sweet, salty, sour, and bitter, how could you taste the flavor of cinnamon, chicken, or any other food? This is where smell comes in. Your ability to identify the flavors of specific foods requires smell.
The ability to detect the strong scent of a fish market, the antiseptic odor of a hospital, the aroma of a ripe melon, and thousands of other smells is possible thanks to a yellowish patch of tissue the size of a quarter high up in your nose. This patch is actually a layer of 12 million specialized cells, each sporting 10 to 20 hairlike growths called cilia that bind with the smell and send a message to the brain. Our sense of smell may not be as refined as that of dogs, who have billions of olfactory cells, but we can distinguish among about 10,000 scents.
You can smell foods in two ways. If you smell coffee brewing while you are getting dressed, you smell it directly through your nose. But if you are drinking coffee, the smell of the coffee goes to the back of your mouth and then up into your nose. To some extent, what you smell (or taste) is genetically determined.
All foods have texture, a natural texture granted by Mother Nature. It may be coarse or fine, rough or smooth, tender or tough. Whichever the texture, it influences whether you like the food. The natural texture of a food may not be the most desirable texture for a finished dish, so a cook may create another texture. For example, a fresh apple may be too crunchy to serve at dinner, so it is baked or sautéed for a softer texture. Or a cream soup may be too thin, so a thickening agent is used to increase the viscosity of the soup, or, simply stated, make it harder to pour.
Food appearance or presentation strongly influences which foods you choose to eat. Eye appeal is the purpose of food presentation, whether the food is hot or cold. It is especially important for cold foods because they lack the come-on of an appetizing aroma. Just the sight of something delicious to eat can start your digestive juices flowing.
Other Aspects of Food
Food cost is a major consideration. For example, breakfast cereals were inexpensive for many years. Then prices jumped, and it seemed that most boxes of cereal cost over $3.00. Some consumers switched from cereal to bacon and eggs because the bacon and eggs became less expensive. Cost is a factor in many of the purchasing decisions at the supermarket, whether one is buying dry beans at $0.39 per pound or fresh salmon at $8.99 per pound.
Convenience is more of a concern now than at any time in the past. Just think about the variety of foods you can purchase today that are already cooked or can simply be microwaved. Even if you desire ready-to-eat fruits and vegetables, supermarkets offer cut-up fruits, vegetables, and salads that need no further preparation. Of course, convenience foods are more expensive than their raw counterparts, and not every budget can afford them.
Everyone's food choices are affected by availability and familiarity. Whether it is a wide choice of foods at an upscale supermarket or a choice of only two restaurants within walking distance of where you work, you can eat only what is available. The availability of foods is very much influenced by how food is produced and distributed. For example, the increasing number of soft drink vending machines, particularly in schools and workplaces, has contributed to increasing soft drink consumption year-round. Fresh fruits and vegetables are perfect examples of foods that are most available (and at their lowest prices) when in season. Of course, you are more likely to eat fruits and vegetables, or any food for that matter, with which you are familiar and have eaten before.
The nutritional content of a food can be an important factor in deciding what to eat. You have probably watched people reading nutritional labels on a food package, or perhaps you have read nutritional labels yourself. Current estimates show that about 66 percent of Americans use nutrition information labels. Older people tend to read labels more often than younger people.
Demographic factors that influence food choices include age, gender, educational level, income, and cultural background (discussed next). Women and older adults tend to consider nutrition more often than men or young adults when choosing what to eat. Older adults are probably more nutrition-minded because they have more health problems and are more likely to have to change their diet for health reasons. People with higher incomes and educational levels tend to think about nutrition more often when choosing what to eat.
Culture and Religion
Culture can be defined as the behaviors and beliefs of a certain social, ethnic, or age group. Culture strongly influences the eating habits of its members. Each culture has norms about which foods are edible, which foods have high or low status, how often foods are consumed, what foods are eaten together, when foods are eaten, and what foods are served at special events and celebrations (such as weddings). For example, some French people eat horsemeat, but Americans do not consider horsemeat acceptable to eat. Likewise, many common American practices seem strange or illogical to persons from other cultures. For example, what could be more unusual than boiling water to make tea and adding ice to make it cold again, sugar to sweeten it, and then lemon to make it tart? When immigrants come to live in the United States, their eating habits do gradually change, but they are among the last habits to adapt to the new culture.
Culture— The behaviors and beliefs of a certain social, ethnic, or age group. Food Practices of World Religions
Have you ever dieted to lose weight? Most Americans are either trying to lose weight or keep from gaining it. You probably know that obesity and overweight can increase your risk of cancer, coronary heart disease, diabetes, and other health problems. What you eat influences your health. Even if you are healthy, you may choose foods based on a desire to prevent health problems and/or improve your appearance.
A knowledge of nutrition and a positive attitude toward nutrition may translate into nutritious eating practices. Just knowing that eating lots of fruits and vegetables may prevent heart disease does not mean that someone will automatically start eating more of these foods. For some people, knowledge is enough to stimulate new eating behaviors, but for most people, knowledge is not enough and change is difficult. There are many circumstances and beliefs that prevent change, such as a lack of time or money to eat right. But some people manage to change their eating habits, especially if they feel that the advantages (such as losing weight or preventing cancer) outweigh the disadvantages.
Social and Emotional Influences
People have historically eaten meals together, making meals important social occasions. Our food choices are influenced by the social situations we find ourselves in, whether in the comfort of our home or eating out in a restaurant. For example, social influences are involved when several members of a group of college friends are vegetarian. Peer pressure no doubt in fluences many food choices for children and young adults. Even as adults, we tend to eat the same foods that our friends and neighbors eat. This is due to cultural influences as well.
Food is often used to convey social status. For example, in a trendy, upscale New York City restaurant, you will find prime cuts of beef and high-priced wine.
Emotions are closely tied to some of our food selections. You may have been given something sweet to eat, such as cake or candy, whenever you were unhappy or upset. As an adult, you may gravitate to those kinds of foods, called comfort foods, when under stress.
Food Industry and the Media
The food industry very much influences what you choose to eat. After all, the food companies decide what foods to produce and where to sell them. They also use advertising, product labeling and displays, information provided by their consumer services departments, and websites to sell their products.
On a daily basis, the media (television, newspapers, magazines, radio, etc.) portray food in many ways: paid advertisements, articles on food in magazines and newspapers, or foods eaten on television shows. Much research has been done on the impact of television food commercials on children. Quite often the commercials succeed in getting children to eat foods such as cookies, candies, and fast foods. Television commercials are likely contributing to higher calorie and fat intakes.
The media also report frequently on new studies related to food, nutrition, and health topics. It is hard to avoid hearing sound bites such as "more fruits and vegetables lower blood pressure." Media reports may influence which foods people eat.
Environmental Concerns
Some people have environmental concerns, such as the use of chemical pesticides, so they often, or always, choose organically grown foods (which are grown without such chemicals—see Food Facts on page 31 for more information). Many vegetarians won't eat meat or chicken for ecological reasons, because livestock and poultry require so much land, energy, water, and plant food, which they consider wasteful.


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JACKSONVILLE, Ala. – Just one week after upsetting the top team in the Ohio Valley Conference behind arguably its most complete game of the season, the Tennessee Tech men's basketball team (12-13, 5-5) put together another contest that could bear the same title, using an all-around group effort to knock off East Division foe Jacksonville State (10-16, 4-7) on the road Saturday morning, 72-60.
Four Golden Eagles scored in double figures and five more contributed offensively to the 12-point victory over the Gamecocks. Leading the way for Tech was senior Dennis Ogbe, who put up 15 points and eight rebounds. Ladon Carter enjoyed a great game across the board, scoring 12 points, pulling down eight boards, and blocking a career-high four shots.
Helping Ogbe and Carter dominate the post was junior big man Dwan Caldwell, who chipped in 11 points to give Tech an impressive 44-24 advantage in the paint.
The Gamecocks opened the game with a 3-pointer from the corner by Avery Moore, but the 3-0 lead would prove to be short lived as Tech used consistent play inside to grab a 35-28 lead heading into the half.
Tech extended that lead to as much as 19 points in the second half behind the brilliance of Alabama native DeOndre Haynes, who scored all 10 of his points in the second half. The redshirt freshman guard provided a noticeable spark off the bench for the second straight game, energizing the Golden Eagles on both sides of the ball.
Nearly half of the Gamecocks' 60 points came from the charity stripe as the Jacksonville State squad converted 26 of its 33 attempts. Sinking 10 of those free throws was Darion Rackley, who led JSU with 16 points. Also contributing to the Jax State offense were Brian Williams with 14 points, D.J. Felder with 13, and Avery Moore with 10.
Senior Jeremiah Samarrippas put together a solid night, scoring nine points while dishing out a game-high five assists. The Bartow, Fla. native sank a 3-pointer mid-way through the first half, giving him 13 consecutive contests with a made trey.
The Golden Eagles will return to action next Thursday, Feb. 13 when they host Eastern Kentucky (17-8, 7-4) in another crucial OVC East Division battle. The Colonels lost its Saturday showdown with Morehead State, falling 86-79 at home.


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The Jordan Eclipse Leather Men's Shoe is made with a leather upper and flexible midsole/outsole combo for a deconstructed look. A plush sockliner and Air-sole unit in the heel give you cushioned comfort with every step.
Great shoes like these maximize comfort and style. That means you can focus on the
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A great addition to any fashionable wardrobe. this shade of pink is right on trend.
Comfort and durability are what get you through the day. This classic pair of men's
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providing foot breathability. Whether for a competitive athlete or simply to cushion feet
all day long. these foam insoles provide added heel and arch support. Available in a
stretchy. practical spandex fabric to keep up with your active lifestyle. Quality foot
protection is assured with natural. luxurious leather outsoles. Brighten up any wardrobe
with this fun and fashionable shade of pink.
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Club partner Tottenham Hotspur, who play the San Jose Earthquakes on Saturday, July 17 at Buck Shaw Stadium at 1 p.m. PT, announced their traveling roster today. The UEFA Champion's League-bound side will feature Welsh superstar Gareth Bale, Irish legend Robbie Keane, Croatian internationals Luka Modric and Niko Kranjcar and Russian international Roman Pavlyuchenko.
The game will be broadcast live on ESPN and ESPN Deportes with kick off scheduled for 1 p.m. PT.
2010 Tottenham Hotspur US Tour Roster
GOALKEEPERS: Carlo Cudicini (ITA), David Button, Oscar Jansson (SWE)
DEFENDERS: Gareth Bale (WAL), Calum Butcher, Vedran Corluka (CRO), Alan Hutton (SCT), Younes Kaboul (FRA), Kyle Naughton, Adam Smith, Kyle Walker
MIDFIELDERS: Tom Huddlestone, Jermaine Jenas, Niko Kranjcar (CRO), Luka Modric (CRO), Andros Townsend
FORWARDS: Robbie Keane (IRE), Ryan Mason, Jonathan Obika, Roman Pavlyuchenko (RUS)
HEAD COACH: Harry Redknapp
*Names not followed by a country designation, indicate domestic players (England).
2010 Tottenham Hotspur US Tour Schedule:
|SJ Quakes
|Buck Shaw / Santa Clara, CA
|NY Red Bulls
|Red Bull Arena / Harrison, NJ
|Sporting Lisbon
|Red Bull Arena / Harrison, NJ
Season ticket holders should use their Bonus Game "B" ticket for the match. Tickets range from $20-$50 and can be purchased by calling (800) 225-2277 or by logging on to sjearthquakes.com. A four-game ticket package, which includes the Tottenham match and a free t-shirt, is currently available by calling 408-556-7700.
Tottenham Hotspur, also known as Spurs, and the Earthquakes signed a club partnership agreement in 2008 with the objective of creating a long-term bond between the two clubs. The relationship focuses on both soccer and commercial development by exchanging and implementing the best practices from both organizations.
Tottenham Hotspur was founded in 1882 and is known as the Club of firsts - becoming the first club to achieve the League and FA Cup Double, winning both competitions in the 1960-61 season; in 1963 they became the first British club to win a major European trophy - the European Cup Winners' Cup. Victory in the 2008 League Cup Final meant that Spurs achieved the feat of winning a trophy in each of the last six decades, a record matched by only one other Premier League club.


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I've written in many genres, including mystery, thriller, horror, science fiction, humor, YA, chick lit (is it still called chick lit?), and erotica.
But I've never written a romance.
Until now.
Not to say there isn't sex in this book. There's loads of sex. Heaps of sex. Kinky sex.
But this is the first time I've ever attempted to actually make sex essential to the arcs of the two main characters. Where 'girl meets boy' is the point of the plot.
Ann is an expert when it comes to writing romance, having done twenty-five romantic suspense books for Harlequin.
However, while I've had relationships as components of my plot before, I've never had them been the linchpin the story hangs upon. With WANT IT BAD the point of the book is the relationship, and if it will work out or not.
Here's the description:
Carla thought she had it all together.
Then Jake moved in next door.
She never expected to fall for someone half her age. Especially Jake, an escort who specialized in very kinky sex.
But Carla was curious. And rich. And when Jake accepts her as a client, they each may have gotten more than they'd bargained for...
Want It Bad mixes erotic romance with laugh-out-loud humor. Sexy, funny, and outrageous, this is the book you've always wanted to read. A smart, older woman goes on a journey of sexual discovery, and somewhere along the way finds love. Or at least something equally as tasty.
It begins where 50 Shades of Grey left off...
Want It Bad is a 64,000 word contemporary romance by bestselling author Melinda DuChamp. It's hot. It's playful. It's more fun than the last ten books you've read.
Try Want It Bad. You won't be disappointed.
So listen to the nice book description and try Want It Bad, for just $3.99 on Kindle.
So why am I writing kinky romance?
Lots of reasons.
First, because I can.
We live during the greatest time in history to be a fiction writer. Anything you can dream up, you can publish. Maybe it will find an audience. Maybe it won't.
But at least it has the chance to.
It always amuses me when the status quo preaches about how the gatekeepers of New York, in their valiant efforts to curtail the so-called Tsunami of Crap, boast how they're responsible for safeguarding literature and culture and are solely responsible for bringing books to the masses.
The opposite is the truth. The Big 5 are censors. For decades, their paper book distribution oligopoly limited what was available to readers. Their "curation", which they've touted as a feature, has actually been a gigantic bug. A censorship bug, which prevented readers from deciding for themselves what's worthy and what isn't.
It's so liberating, so intoxicating, to be able to write the kind of book I want to, without being subjected to the whims of the gatekeepers. Imagine if the Internet only allowed certain websites to be published based on what a select handful of people deemed appropriate. We'd have a far smaller, much less interesting World Wide Web.
Yet, even with the number of websites surpassing 1 billion, we can all still find worthy URLs that interest us.
Self-publishing doesn't lead to a Tsunami of Crap. It leads to freedom, more choices, better prices, and the opportunity for more writers and readers to indulge in their whims and passions.
Our male protagonist is a sex worker. An escort. A prostitute. I'm pretty sure Harlequin didn't allow that back when Ann was publishing her romance continuities. I also believe Harlequin had a guideline that once the hero met the heroine, neither were allowed to philander. Strike two. Finally, the sex in Want It Bad makes Fifty Shades of Grey look like a Disney picturebook. Harlequin may have had some racy titles, but I doubt they ever got this racy.
Which brings me to the second reason I wrote this book:
I enjoy the challenge.
Writing in a new genre is like dating someone new. It's exciting. It's fun. It's uncomfortable. It forces you to try new things, tests your limits, teaches you how to overcome obstacles, and is an opportunity for growth.
When there are no guidelines, no boundaries, no deadlines, the only limit is your own imagination.
Having the chance to write outside of your comfort zone is reason enough to try it.
What's the third reason I tried a new genre?
Want it Bad is my 34th novel. My largest success has been in mystery/thriller, followed by horror. Both genres continue to do well.
I made a buttload of money during the erotica boom that E.L. James created.
I made a pittance with sc-fi, even though that was crazy fun to write and I still get emails from those waiting for me to finish the Timecaster trilogy. (Which I will, someday).
Romance is the largest genre. It's the one with the most voracious readers.
I'd like those readers to discover me. There are hundreds of millions of people who aren't interested in Jack Daniels, or horror, or fairy tale erotica. But I believe my writing can entertain these people, if given the opportunity.
So here is my first try at what might be many tries, to find an audience that my previous work doesn't tempt.
Maybe it'll work. Maybe it won't. But I'm lucky that I have some breathing room to be able to experiment.
So check out Want It Bad. It has romance. It has female-buddy banter. It has humor. It has insanely kinky sex. It's a feminist, empowering, 21st century love story that couldn't have been written ten years ago because the genre, opportunity, and mindset didn't exist.
Also, I rarely ask to be tweeted, or linked to on Facebook or Google+, but as an experiment I'd like everyone reading this to do one or all of those. I'll be watching the results.
Tuesday, December 09, 2014
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Not really. His next words are:
Those who feel the whole world is against them.What? Your feat of imagination has you immediately projecting your opinion of their insane paranoia?
Those who think the press corps is in the tank.Could you pause for a moment and consider the extent to which the press is in the tank?
Those so sickened by the fawning that they'd throw a brick through the television screen if the Bush-Cheney economy had left them with enough money to buy a new set.But it is sickening, isn't it? You had to dash headlong into that fevered image of violent brick-throwing and Bush-bashing, so you wouldn't have to think about how awful the fawning really has been.
But only for a second. I confess to being among the 81 percent (per Wall Street Journal/NBC) who like the guy...Rich contends that all the fawning is because "[t]he journalism industry is fighting for its life" and "Obama is the one reliable product" it can offer for sale. Forgive the bad journalism. We need to make it bad so you'll buy it. Not you brick-throwing deadenders. But somebody. Anybody.
Rich goes on to inform us that the GOP is pathetically diminished, and that "with so little opposition, in the political arena or most anyplace else, to challenge his high-flying course," Obama will need to keep himself "grounded."
That's way at the end of the column, long after the discussion of journalism, but maybe journalism is what he meant by "most anyplace else."
I wish he'd gone back to his Limbaugh-Cheney deadenders! Do you really still insist they are people who feel the whole world is against them? You've just mapped out why they — and all of us — really should be alarmed. You have a massively powerful, ambitious President, unchecked by an opposition party, boosted and promoted by journalists who've forgotten what their role is. Now, go back to your imagination exercise and do it again.


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i love coffee. the aroma. the taste. the experience. and lately i have been enjoying taking pictures of my adventures with coffee. i hope you enjoy looking at them as much as i have enjoyed taking them. now sit back, with a cup of coffee of course, and enjoy.
Happy National Coffee Day! We have our mugs full of premium roast. ☺


text: Hagon Road - a simple design for good shocks: perfect for replacing worn suspension struts or to actively improve the existing chassis. Every pair of dampers is designed for the specific bike: progressive springs, adjustable spring pretensioning, automatic damper control (depending on the compression speed). 2-year vendor guarantee. All twin shocks are supplied with a TÜV parts approval certificate.


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The Continent that the EU does not know
ZKM_Atrium 1+2, 22, October 2016 – 29, January 2017
Editors: Eckhart Gillen, Peter Weibel
Publisher: Lannoo, Tielt, 2016
Text: English
Description: 496 p., illustr., 29 x 26 cm, hardcover
The Second World War also shattered the art world. Art in Europe 1945–1968.
Facing the Future shows how such artists as Henri Matisse, Pablo Picasso, Ossip Zadkine, Henry Moore, Renato Guttuso, Fernand Léger, Yves Klein, Gerhard Richter and Lucian Freud worked through the trauma of 1940–1945 and the Cold War and started to explore new directions in art.
This reference work includes some 400 works by 150 artists and for the
first time brings together post-war art from both Western and Eastern Europe. In enlightening texts, experts reveal the various evolutions and movements, from the mourning of the first postwar years to British Pop Art and political art leading up to the revolutions of the late 1960s.
With contributions by Sven Beckstette, Kurt De Boodt, Marie-Ange
Brayer, Daniel Bulatov, Alexandra Danilova, Paul Dujardin, Karl Eimermacher, Sergey Fofanov, Eckhart Gillen, Daria Mille, Margit Rosen, Anda Rottenberg, Eduardo Subirats, Peter Weibel, Sarah Wilson, Ekaterina Yurevna Andreeva and Slavoj Žižek.


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Alternative forms[edit]
Audio (AU) (file)
bushwhacker (plural bushwhackers)
- (US) One who travels through the woods, off the designated path.
- (Australia) A person who lives in the bush, especially as a fugitive; a person who clears woods and bush country.
- (US, historical) A guerrilla (of either side) during the American Civil War.
- 1962, Albert E. Castel, William Clarke Quantrill: His Life and Times[1], page 155:
- The bushwhackers remained at General Cooper′s camp several days, then crossed the Red River into Texas.
- 1967 April, Donald Keith, The Time Machine Hunts a Treasure, Boys' Life, page 51,
- She stared at us. "Hardly. You must be from far off, not to know about Quantrill′s raids. Last March the bushwhackers rode into Aubrey, shot every man in town, stole everything, burned down houses. […] "
- 2007, Jeremy Neely, The Border Between Them: Violence and Reconciliation on the Kansas-Missouri Line[2], page 109:
- Many bushwhackers were young men born to families of southern heritage who were generally wealthier and more likely to own slaves than the typical Missouri farmer. […] His eldest daughter, Elisa, was an effective bushwhacker spy and informant.
- (dated) Someone who attacks without warning.
- A small, soft-floored inflatable boat (designed for use by one or two people).
- 1977 September, Dave Hurteau, Air and Water, Field & Stream, page 90,
- We spent the rest of the day hopping from pond to pond with the bushwhackers, and we found them very suited for it.
- 1977 September, Dave Hurteau, Air and Water, Field & Stream, page 90,
See also[edit]
- bushbash (verb)


text:
Wiz Khalifa Set to Launch Custom Caps With Flat Fitty
Rapper Wiz Khalifa is known for his eccentric fashion style. Now, the Taylor Gang leader has teamed up with luxury headwear company Flat Fitty to create a seasonal line of custom hats.
"Having someone of Wiz's caliber recognize the quality of Flat Fitty means a great deal to our team," said Flat Fitty CEO Christian Waters in a press release. "We work hard to consistently design and produce headwear that is of the highest standard achievable. Wiz is one of the most business-minded young tastemakers out there, and Flat Fitty is truly excited about this partnership."
For over a decade, Flat Fitty has been manufacturing hats for more than 1,000 brands. The company hopes to have the Wiz-inspired caps available in department stores and hat retailers by the fall.
Wiz will preview his new custom hat collection at MAGIC Market Week, the premier fashion trade event in Las Vegas in August.
Besides his hat line, the rap star has an apparel and lifestyle company called Freshko. Currently, the collection consists of T-shirts and hoodies.


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Dining with the Doctor: The Unauthorized Whovian Cookbook
Hello, Sweetie. Time to eat!
- Delicious timey-wimey recipes, inspired by Doctor Who.
- One recipe per episode of the relaunch (starting with the ninth Doctor).
- Extra section of recipes featuring fish fingers and custard!
Your taste buds are about to take a wibbly wobbly, timey wimey adventure through the Doctor Who reboot. Megafan and food writer Chris-Rachael Oseland spent a year rewatching all of series one through six and experimenting in her kitchen to bring you a fresh recipe for every single episode.
Dining with the Doctor: The Unauthorized Whovian Cookbook is a treat for any Whovian who wants to offer more than a plate of fish fingers and a bowl of custard at your next viewing party. Start the evening with a Two Streams Garden Cocktail followed by Baked Hath, Marble Cucumber Circuits with Vesuvian Fire Dipping Sauce, Professor Yana's Gluten Neutrino Map Binder, Slitheen Eggs, and some of Kazran's Night Sky Fog Cups for dessert. Or, maybe you're up for some quick and easy Fish Custard Tacos, Open Faced Dalek Ironsides, Sontaran Soldiers, and a Cinnamon Pull Apart Crack in the Wall.
Dining with the Doctor: The Unauthorized Whovian Cookbook includes eighteen adult beverages, more than two dozen recipes for vegetarians, twenty that are safe for people with wheat allergies, and ten for the low carb dieters (with an appendix in the back to easily find which recipes fit which categories). Dining with the Doctor: The Unauthorized Whovian Cookbook has a recipe for every single episode of series 1-6, plus a bonus chapter just for fish fingers and custard. Put on your fez and straighten your bow tie. You own a cookbook now. Cookbooks are cool.


text:
Jefferson County Surrogate's Court
Address & Phone
Jefferson County Court Complex
163 Arsenal Street
Watertown, NY 13601
Phone: 315-785-3019
Fax: 315-266-4771
Office Hours:
8:30 a.m. to 4:30 p.m. Monday - Friday
Court Terms & Holidays
From Interstate 81, take Exit 45 (Arsenal Street) East toward "Public Square." At the 7th traffic light the Jefferson County Court Complex will be on your right.
Chief Clerk I
Dawn E. Bast
Surrogate's Court Judge
Hon. Peter A. Schwerzmann
Phone: 315-785-3019
Fax: 315-785-5194


text:
Conondale, like many rural towns in South East Queensland, is pretty. The town might be a great spot for a chance to catch your breath during what is a very scenic drive but there is something about Conondale that is as subtle as it is magic. When travelling from Maleny, Conondale is the first opportunity to take a close-up and easy look at the river that gives its name to the valley through which it passes - the Mary River.
Just near where the Maleny-Kenilworth Road crosses the Mary River, Fritz Park offers the chance for a picnic and time to contemplate exactly why this little village is so special.
Conondale is distinctive because of its proximity to the rugged beauty of the range to its west called the Conondale Range. Within the Range a national park called Conondale National Park is an unspoilt and undeveloped park of harsh beauty. Conondale National Park protects important remnants of grassy open Eucalypt forest, tall wet sclerophyll forest and subtropical rainforest that once covered large areas of the Sunshine Coast hinterland.
The park is the central undisturbed core of an extensive area of forest reserves in the Conondale Range and an important refuge for many rare and threatened animals, including the Mary River Turtle, which, until recently, had not been discovered.
It is important to remember that this park is suited to very experienced walkers only. The turn off to the national park is about 15 kilometres north of Conondale at Sunday Creek Road. The turn is marked by a pretty park called Keith and Ivy Boon Memorial Park.
Note: Information on listed products and services are provided by the operator and were correct at the time of publishing. Rates are indicative based on the minimum and maximum available prices of products and services. Please visit the operator's website for further information. All prices quoted are in Australian dollars (AUD).


text:
Wild Olive Luxury Spa Box Tuberose & Jasmine
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All orders received before 12pm that day, we do our very best to get out that day. Our packer and pickers work like mad to meet these targets. If there is a problem, we will let you know as soon as we can. We ship 1st class unless you have requested express delivery. Please bear this in mind. Priority is always given to express and courier deliveries, especially during busy periods.
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Faulty items - If you receive an item that is faulty, we will send you a pre-paid label for return. Just use the contact us page to request one, sending images of the fault. Store Return Can I return a telephone or Web order at the Baba Me shop? - Yes, you can return non-faulty goods to our shop. You will need to take your Invoice/Receipt with you as proof of purchase. Depending on staff present, the refund will be processed immediately or tasked to customer services to refund (not all store staff are trained in online refunds).
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