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32" x 19" Super Single Bowl 15 Degree Radius Undermount Kitchen Sink
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Extra large under mount sink used in kitchen remodel. Granite installers had no issue installing. Large size was perfect for client's use. Great depth. Heavy duty stainless.- S in Spring, TX
32" x 19" Super Single Bowl Zero Radius 16 Gauge Undermount Kitchen Sink
5 stars
So many compliments for this piece! Great quality! Plumber asked where we got it so he could recommend for his customers. Quality is that of top of the line sinks. Def. best buy! So happy with thisSo many compliments for this piece! Great quality! Plumber asked where we got it so he could recommend for his customers. Quality is that of top of the line sinks. Def. best buy! So happy with this purchase. Bought on sale at a great price! Can't be beat!"..." Read more- Jenna in Liberty Township, OH
Water Creation SS-U-3321A 33" X 21" Zero Radius Single Bowl Stainless Steel Hand Made Apron Front Kitchen Sink
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Love the sink, the only issue for us is that it doesn't slope towards the drain.- Mary in Norwell, MA
33" x 18" Double Bowl Farmhouse Kitchen Sink with Grids and Drains
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LOVE, LOVE, LOVE this sink!! Just as described on website. Great price too! Thanks =)- Danielle in Texas
Kitchen Sinks | Wayfair - Buy Kitchen Sink, Undermount, Stainless Steel Online
We have a wide selection of kitchen sinks that will fit into any kitchen with ease. Choose from our selection of undermount kitchen sinks, stainless steel sinks or a farmhouse or apron front sink. We also carry great brands like Franke, Kohler, Elkay and more!Read more
At Wayfair.com, we try to make sure you always have a zillion options for your home. That's why we have so many Kitchen Sinks for sale on our site, including Kitchen Sinks from brands like Kraus and Swanstone. We want to make sure when you buy a Kitchen Sinks online from Wayfair.com, you're getting the one that's exactly right for you, whether that's the 35.88" x 20.75" Farmhouse Kitchen Sink, the Metropolitan 33" x 22" Large Single Bowl Kitchen Sink, or something entirely different and unique to your home.


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eBay adds daily deals to its extreme makeover, Sprint could be getting a big financial boost, and Photoset shares groups of photos with ease.
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GMA 7/24: Air Algerie Passenger Jet Disappears from Radar
Acadia National Park Crowned 'America's Favorite Place'; Morgan Freeman Was Drawn to His Role in 'Lucy'
Acadia National Park Crowned 'America's Favorite Place'; Morgan Freeman Was Drawn to His Role in 'Lucy'
NYPD Attempts to Solve White Flag Mystery at Brooklyn Bridge; 'GMA' Anchors Compete in the Frankenfood Showdown
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Death Toll in Gaza Passes 500; Allegations of Unnecessary Force as NY Man Dies After Arrest
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Federal Officials Weigh Security Directives for Airports; One Woman's Journey Through 100 Dates
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There is so much discussion out there about free online dating sites.. One of the biggest concerns that I hear is that the quality of the free dating sites may not be the same as the paying ones. While that may be true for many, it is simply not the case anymore.
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text: Reusing Baby Gear How to Prep Your Gear For Baby Number 2 (or More!) by Lisa Horten 8/09/13 25 Reactions 213 Shares Print 183 22 6 2 0 If you've got baby number two (or three, or four . . . ) on board, the last thing you want to do is start from scratch when it comes to stocking up on all of the requisite gear. Strollers, car seats, high chairs, and even clothes are expensive, and they're only used for such a brief window of time. Click through for our comprehensive guide to the smart, safe, and savvy way to upcycle your own baby gear. Source: Thinkstock Check For Recalls What's Your Reaction? 0 0 0 0 0 0 Before bringing that gear out of storage, pay a visit to the Consumer Product Safety Commission's site to make sure that none of it's been recalled. Keep in mind that a recall doesn't mean it's off limits. Many brands will replace faulty parts free of charge. Do your homework, and keep those babies safe! Source: Thinkstock 1 / 5 Sort Through Your Old Baby Clothes What's Your Reaction? 0 0 0 0 0 0 Devote an afternoon to plowing through all of those old baby clothes that you stashed away after baby number one and give them a refresh. Toss whatever didn't hold up as well as expected, give it all a good wash and dry, and assess what you need to buy new. Source: Thinkstock 2 / 5 Clean Your Stroller What's Your Reaction? 0 0 0 0 0 0 It may get more use than any other piece of baby gear in your arsenal. A stroller is a baby's first set of wheels, and trekking through the streets of your city or town for two or three years means that it's going to accumulate a substantial amount of wear, tear, and dirt. Dedicate an hour or two to give your stroller a deep clean for your little one on the way. Source: Thinkstock 3 / 5 Clean Your Car Seat What's Your Reaction? 0 0 0 0 0 0 You'll be amazed at the amount of grime and grit that lurks in the crevices of your kiddos' car seats. Follow our tutorial for giving yours a much-needed deep clean for baby number two! Source: Thinkstock 4 / 5 Clean Your High Chair What's Your Reaction? 0 0 0 0 0 0 Mealtime for babies and toddlers can range from a bit of a mess to a full-on disaster zone. Ensure that your new arrival gets a like-new seat that's free of evidence of their older sibling's messes with this four-step approach to cleaning a high chair. Source: Thinkstock 6 / 5 183 22 6 2 0 Back to Homepage Comments Read More Kid ShoppingBaby GearCar SeatsStrollersBaby Baby The Terrifying Thing That Could Happen If You Decline Your Newborn's Vitamin K Shot 8 hours ago 21 Things About Pregnancy, Childbirth, and the First Days That the Books Leave Out 2 days ago 13 Adorable (and Accurate) Similarities Between Babies and Puppies 1 week ago How to Decide You're Ready to Add a Baby to Your Life 1 week ago Is It Bragging to Say You Gave Birth Without Drugs? 1 week ago 7 Simple, No-Cook Baby-Food Recipes 1 week ago What's Your Reaction? 0 0 0 0 0 0 0Reactions Link Love Mom forced to stop feeding baby homemade formula — BabyCenter Blog The easiest ways to save on organic food — The Stir A look inside Fergie's second baby shower — Celebrity Baby Scoop Danielle Jonas debuts her baby bump — People Moms & Babies 7 light and fresh recipes to take you through Summer — FitPregnancy Does where you live affect your risk for PPD? — The Bump Where to find the best deals on school supplies — Real Simple Now this is how you announce a pregnancy! — HuffPost Parents


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Paul Tassi, Contributor
News and opinion about video games, technology and the internet
Last year, I wrote a post that made me mildly internet infamous. It was called "A Eulogy for Google Plus," and it read like a rather lengthy epitaph on the tombstone of the fledgling social network. Even after being a member for months, my newsfeed remained bare, and the desolate experience was shared by nearly all of my friends who attempted to see what the new social site was about.
Upon release of that article, I learned that there was indeed a group of Google Google Plus faithful, eager to tell me I was "doing it wrong." Rather, I had to post items publicly, and follow active people in order to get anything out of the experience. Who? Not my friends, as none of them were engaged on the site in the least, so instead the most prolific folks were tech writers, geek celebrities and social media types, who do this sort of thing for a living.
I wrote a follow-up post about my experiences a short while later, but I thought now was the time to revisit my thoughts on the site, quite a bit down the road. Over half a year has gone by since then. I've posted nearly every day to my G+ page, and have engaged others in conversation about many a topic. My "circler" count of those following me currently sits at 13,590, dwarfing both my Facebook friends (400) and Twitter followers (1500).
I no longer view Google Plus as a ghost town, that much I can say. It is not dead and doesn't need another article delivering post-mortem remarks. That said, I still do not believe Google Plus is the social network it needs to be, nor do I believe it will ever pose a significant threat to Facebook in its current form. This news might upset the ten or so people who regularly comment on my G+ posts, some of whom consider me a "convert" seeing as how I do use the site regularly, but my stated belief still stands.
Simply put, Google Plus is a niche community, and it feels like it's always going to remain that way. Last year, I remarked that nearly none of my real life friends had joined the site. I speculated that perhaps they'd come around as it evolved, but as it stands today, I can't think of a single one of them who is now active on the site who wasn't before. But do you know what sites they have joined these past few months? There's a whole stable of them that are now Pinterest and Instagram fiends, as they found a new sort of social site they enjoyed that was easy to use and understand, and different than their usual Facebook experience.
That was always Google Plus's problem to me. Though the site may be better designed than Facebook in many ways, and have some better features (yes, hangouts are great), the fact is that it mirrors the functionality of Facebook in almost every way. If the devoted say it doesn't, at least the perception is that it's a late-to-the-party version of Facebook that doesn't offer a significant reason to switch. Some people may be sick of their Facebook friends and want new people to connect with, but the majority are not going to want to ditch a friends list they've spent almost a decade amassing. And who has the time to be highly involved in two parallel social networks, especially when one is viewed as being empty at worst or full of strangers at best?
Perception is a big part of the reason why Google Plus continues to be a failure in the eyes of almost everyone who isn't already an active user. I can't tell you the number of times I've seen jokes on the internet to this day making fun of the site for being empty. If a supposedly tech savvy userbase like Reddit is still actively mocking what's supposed to be a hip, cool new social network for people like them, is it really communicating its message effectively? What chance does it have to win them over if they've botched their first impression this badly?
G+ is better place to be for genuine people. facebook is more a like drug and woman pickup bar :(
Someone still doesn't get it. Google plus is not Facebook. And Never should be. (And I am upset with some of its recent design changes that attempt to make it more like Facebook.) That is the wrong direction.
I know a few Google plussers who have given up on Facebook. But that is wrong headed. The two serve two very different functions.
Facebook…. friends and family.
Google Plus….the world of people (mostly strangers) who share a common interest. In my case photography. A much more dynamic forum than Flickr.
This last week over two hundred of us finished a month long photo scavenger hunt, posted our works, critiqued and otherwise "Ooooed and Awed over each other's works. The verbal exchange on some posts maxed out at 500 comments. time and time again. It is dynamic….immediate, and a great form for creator's of all persuasions.
When I post on Facebook I post to about 700 people I know. When I post on Google Plus, my audience is near 20,000 (and climbing). Granted, I post different works for each site. I am more likely to share family photos on Facebook. It is better for that. At least right now. But if given the option of one or the other I would drop Facebook without thinking. My vital, dynamic world-wide conversations are all over here.
You forgot photographers. I know I'm in the minority, but I do love Plus. Yes, it's unashamedly like Facebook and Twitter combined but it's better.
One of the arguments levelled at Google and Google+ these days is that Google has become a big company and lost its start-up spirit of innovation. Yes, Pinterest and Instagram have done great. I can't help bu feel Google should have got to Instagram before Facebook did and it also tried to but Pinterest), however, Google+ could never have been either of these things. For it to work as Google's social layer it needed to be like it is – with the traditional profiles, pages etc.
It can and will compete long term with Facebook, as long as Google keeps making acquisitions and making innovations. Quality will win through in the end. Hangouts, instant uploads, circles are all quality innovations and as long as Google stays committed (which it will) it's really too good to fail. The +1s app was recently added to G+ profiles and I'm sure this will work more like Pinterest in the not too distant future.
I'd be very happy to take a bet with the author as to Google+ reaching 1 billion users by 2020. I think the idea that this will remain a niche product with a few million users is way off the mark over the long term and that competing with Facebook is the much more plausible outcome. Google+ hasn't even started with getting developers on board yet. Give it time.
I would tend to disagree with you from my experiences. I don't think that G+ will ever truly compete with Facebook. I was one of those who swapped over to try G+ from Facebook, and I lasted less than a week before I was disgusted with its entire layout and lack of anything constructive happening. I have something close to 800 friends on FB and a small hand full have tried switching, but they are always back with FB within a couple weeks. On top of that, I and a lot like me have huge concerns about privacy with Google. Their intrusive programs and policies, as well as things such as their demands for phone numbers before you can even create an account will cost them users by the thousands if not millions. Until they fix these privacy concerns and re-work their policies to prove they are a company that can be trusted with our private information, I don't see them expanding beyond what they are now. Frankly, the clock is ticking for them. It's only a matter of time before something new and big comes out that sends both FB and G+ the way of Myspace , and I think that Google has way too much catching up to do before it arrives.
Wait a second… so you're saying G+ would be winning if it got to what Facebook has now… but within 8 years?
Wow, lowering the bar so low Google can step over it, huh?
I totally agree with what you're saying. And I don't mean that to disparage G+ in any way. I think it adds its own value to my social media experience.
I'm pretty active on G+ now after an initial failed attempt but I won't be giving up Facebook for it. I like G+ for the fact that I can engage with people outside of my normal circle of friends. I'm an extrovert…I like to meet new people. But, when it comes to people who are invested in me and my endeavors, Facebook crushes G+. Twitter does too. And it's not for lack of interacting as some G+ users might suggest. It's just that Facebook & Twitter offer a different quality of interaction. I just recently started a blog and was looking at traffic over the last few months…Facebook & Twitter run pretty much neck and neck at the top. G+ barely hits the chart. This week, I had more traffic from Polyvore than from G+. I mean…really?
You forgot photographers. I know I'm in the minority, but I do love Plus. Yes, it's unashamedly like Facebook and Twitter combined but it's better.
One of the arguments levelled at Google and Google+ these days is that Google has become a big company and lost its start-up spirit of innovation. Yes, Pinterest and Instagram have done great. I can't help but feel Google should have got to Instagram before Facebook did and it also tried to buy Pinterest), however, Google+ could never have been either of these things. For it to work as Google's social layer it needed to be like it is – with the traditional profiles, pages etc.
It can and will compete long term with Facebook, as long as Google keeps making acquisitions and making innovations. Quality will win through in the end. Hangouts, instant uploads, circles are all quality innovations and as long as Google stays committed (which it will) it's really too good to fail. The +1s app was recently added to G+ profiles and I'm sure this will work more like Pinterest in the not too distant future.
I'd be very happy to take a bet with the author as to Google+ reaching 1 billion users by 2020. I think the idea that this will remain a niche product with a few million users is way off the mark over the long term and that competing with Facebook is the much more plausible outcome. Google+ hasn't even started with getting developers on board yet. Give it time.
1 Billion by 2020? Given that Google is planning on making G+ the hub for Gmail (350 million), Youtube (500 million), Android (200 million), Blogger (?) and all the rest of their products, I'd guess that it has a chance to reach a billion sometime in 2013 just on that combination alone. That doesn't necessarily mean users will be using G+ socially like FB (that's a different argument), but they will have accounts.
It's surprising that people still have any faith in Facebook, which they are ready to condemn every time Facebook changes. And every single mistake Facebook keeps making. It's riddles with bots and ads and runs like a website still in beta. Even while Google+ was in beta, it was working much smoother, faster, and cleaner than Facebook. The features are far more advanced on Google+, and with 170 million people on Google+ I think it's far from "Not adding up". Not to mention that Google+ hasn't even been public for half a year yet. I was reluctant to move to Facebook when it came out, but I stopped being stubborn and moved over. That's what's happening now as well. People are being stubborn but they'll be curious and move over. Especially with how quickly Google updates their products and adds new features. It will keep outshining Facebook and anyone who doesn't switch over would be a fool.
A Message to the Media and Bloggers That Continue to Harp on G+ Usage
We are all aware that its very trendy to compare usage between the social sites these days, but as you keep illustrating, "trendy" and "meaningful" are not always the same. And while we're all aware some of you just write just to produce something without concern for meaning, it still wouldn't hurt for you to take at least a few considerations into account. For starters:
You can stop telling us that G+ hasn't caught up to Facebook. We're not idiots. But stop acting like anyone expected it would after 8 months of existence. Implying that it should and then blaming it for falling short is insulting. While that approach may be intended to rile up the masses, it really only serves to diminish your credibility among those of us who choose to give it more than a passing thought.
Before going on and on about how G+ is doing, how about figuring out at least some semblance of an objective measuring stick. You don't seem to have any objective measuring stick at all. We get the feeling that no matter what G+ does, some of you will have a reason to say its failing. It's been reported over the last month that G+ unique visits have reached just over half of Twitter unique visits…after only 8 months of existence. Are we really supposed to believe that is a sign of failure? What exactly would you need to see inside of 8 months to consider G+ a success thus far? The impression is that you'd simply raise the bar on what is needed to be able to suit your own agenda. Now maybe that's not true, but your lack of any objective measuring stick sure makes it seem so.
It's a little ridiculous that you continue to think your usage assessments based on G+ public posts represent total usage. I know less and less people who post publicly on Facebook these days, yet I don't hear any of you using this barometer to assess its network. In fact, if you looked only at the public posts from many people's FB circle of friends, many of them would appear to be a ghost town too, but we know that's not reality. Do you really expect us to believe that no one uses G+ to share privately, especially when many of us do? Posting publicly on a social site might mean something, but its a ridiculously poor method to determine the success or failure of any social network.
What's with all the usage statistics with the fine print about not including Smart Phone usage? Really? You post about trends and the future of social yet you don't think leaving out Smart Phone usage significantly skews your assessment. Wow. Google owns the leading Smart Phone operating system and that's just an afterthought? OK we get it, maybe you don't have access to that information, but most honest folks refrain from making judgments when they don't have all the facts. So what's your reason?
All your drum beating about G+ usage that dismisses usage across all Google products just shows you lack vision, or at least that you don't seem to want to hear what Google has been telling everyone for the last 8 months. Google is in the slow process of combining all its services into one, and that significantly impacts the future of G+. So while you overlook this and are intent on only analyzing present day G+ usage to make a point, you completely miss the big picture. Would you ever consider reporting on the usage of Facebook games and Facebook messaging separately? Of course not. Yet you can't seem to grasp that usage across Google products like Gmail and Youtube will be meshed together with G+ in the not too distant future. You won't even be able to determine the difference, because they will be inseparable. That's not inside knowledge from Google, that's what they have been telling us from the moment G+ began…only you had to listen. Yet here you are reporting that Google is misleading you because it has begun to report usage across its products where G+ implementation has begun, a metric Google knows is what matters in the long run. Good grief. If you want to report on something meaningful, understand that although there is a difference today between logging in to any of the array of Google products, in the future there won't be, and G+ will be the hub of all of them. So while you think your assessment of G+ usage today matters, the real barometer for comparison will be Google usage. Continue to overlook this at your own peril because people will only treat your content seriously for so long.
Your reporting on inactive G+ users to drive home a point is both tiresome and lacking. Its tiresome because you don't use this barometer to assess any other network (are we to believe no one is inactive on Twitter or Facebook?) But really its lacking because it misses the core strategy that Google has for G+. G+ is not a stand alone product. In fact, Google only needs to have steady growth in total G+ users to establish long term success, regardless of activity. Why? Well consider this example for a moment. If you were a leading manufacturer of GPS devices and wanted to assess your future, you'd obviously be concerned that Smart Phones come with GPS devises built right in. But would it matter less to you if 60% of Smart Phone owners didn't use those devices? It shouldn't, because the potential danger is that one day people might think,"Hey, I'm carrying around this phone all day anyway, maybe it makes sense to use this GPS." So consider then for a moment what it means as Google converts to using G+ as the profile for ALL its products, that means a G+ log-in is your log-in for Gmail, Youtube, Android, etc. Believe it, because Google is planning on it, and most importantly it means that every single user of any Google product will have a G+ account whether its used for social or not. So while you don't think the danger of every Android user and Youtube user having a G+ account matters, the reality is one day people may think, "Hey, I'm using my Google account for all this other stuff, maybe it makes sense to use it to share." This is why total account users, even if they are inactive, matter, something you seem to continuously overlook.
Hey, quick question: My comment got called out. What's that? Someone want to fight me or something?! Lol
Both Pintrest was launched 2009, Instagram in 2010. Google+ in 2011 September.
Give it some time.
That site casts a shadow over Facebook, Twitter, Google, Myspace and all the other sites put together!
It has a really well planned layout and is simple to use, plus you don´t get hounded by advertisement.
Google Plus is for meeting new people and being exposed to new art, tech, science and vibrant personalities.
Facebook is for re connecting with people you never wanted to see again and typing out random emotionally charged outbursts that no one wanted to know.
I'm predicting in the next 5-10 years a mass exodus from facebook. I don't see much difference at all between facebook, american onliner and instant messager, they are the same.
The only difference is facebook is a little bit newer with some upgrades like being able to post pictures. Either way, I don't even use it and I predict facebook is going down hard.
Great blog, though I tend to agree with Jon's comment about. I think it's too early to could Google+ out. And, you forgot the photographers.
I wrote a blog a couple of weeks ago that touched on this subject: http://www.forbes.com/sites/moneywisewomen/2012/04/05/the-secret-of-1000000-followers-karen-huttons-story/. The photographers, while a niche community, have gained a lot of traction, and I think it's because they got there first.
It's in my company's strategic plan to head over to Google+ this year, the sole reason being the hangouts. They are a creative entrepreneurs dream, and I can't wait to launch.
You are an idiot. Google+ isn't even supposed to be the same as Facebook. It's a completely different idea.
Facebook is your small your town, Google+ is the big bustling city. Friendships are just a matter of proximity – instead of posting to your friends (Facebook) you find people who post content that excites you and become friends with them. It's a much more organic progress and more rewarding. In the "city" of Google+ you never feel restricted to be who your friends or family think you "should be." Nobody knows you, so you can truly be yourself and share and discuss things you are passionate about. Facebook is a chore – Plus for me is a much more fulfilling and rewarding experience. It's honestly changed my life for the better.
may b ur posts in G+ arent good enough,so ur followers arent commentig and +1ing them
"48 months later (!!), facebook still doesn't do it for me."
Here's why:
* You mention how easy it is to work facebook. Have you ever tried deleting your profile picture in facebook? (just as an experiment, you can re-upload it later). If you can do it in less than 10 minutes, you're a genius.
* I've tried playing a few games online, and it was a horrible experience: it was slow, I had to answer questions before I was allowed to play and no matter which game Í played, it kept bugging me about inviting my friends, telling everyone that I was using the game, and even inviting me to purchase stuff on-line. :-?
* The amount of information that I was "giving away" and who was able to read it, was very obscure.
* I tried to delete a few pictures, particularly the personal profile.
* I have no wish to tell anybody the story of my life. Why do I have to keep being bugged about using timeline? Why dont I get an option like: "don't bug me again with this, I'm never gonna change my mind, and if I do, I'll let you know".
* If you're bilingual, it's still rather complex to manage which users get your updates in one or the other language. (I don't want my xxx speaking friends to read what I write in the updates addressed to my xxx speaking friends, for no other reason other than they don't speak that language, and it's annoying for them).
* I find the site a bit slow and I'm continually bugged with publicity that I have no interest whatsoever in.
* I can't remember a single status update that anybody has ever written in facebook which is worth remembering and contained a little bit of depth. (unlike many of the posts that people write in the forums that I read). Sure, superficiality is gaining ground, but what can I say? Twitter + G+ is a better combination for me. ;)
I think Google should have bought Twitter when it had the chance. Too bad.
G+ is not huge yet, but there are many people out there who are willing to make the effort.
In my case, Facebook will never be what I want from a social network. G+? perhaps one day…
This article's going to come back to bite you… at least the other one was 6 months old.
Many thanks for this, Paul. Like many, I use Google+ only occasionally. Facebook, to me, is far-and-away (still) best in its class, and it is more likely to implode first, like a massive, aging star, before any competitor can come close to outshining it. That said, I think Larry Page's main intent for G+ wasn't social media per se, not in the way that Facebook has defined the category, but as another key source of information about us users to add to its already super-massive, well-diversified data. Google's aim is to be everywhere we are, and the exciting and frightening thing is that it already seems to be everywhere we are: e.g., walking around with us via our Android devices; catching us in compromising positions with Street View; enjoying books, music, art etc. Of course, all of this strengthen its already beast-mode advertising model. In this respect, we know that Facebook (massive site, but limited in scope) can hardly hold a candle to Google. So, bottomline: Mr. Page doesn't care all that much about G+. Heck, he hardly uses it (lol)!
Twitter, Facebook, G+ …. What's next?
Maybe, Social Executable English Knowledge for Explainable Database Question Answering.
You can write database apps by typing Executable English knowledge into a browser, using your own words, jargon and phrases.
Then, you can run your app over large networked databases, and get English explanations of the results. Think evidence-based medicine, food security, energy independence, etc.
The data are there, what's missing is the knowledge to use it.
You can Google Executable English to find this, or go directly to www.reengineeringllc.com . Shared use is free, and there are no advertisements.
I'm not sure that that any network will own consumers entire social activity. As they all mature members of each network will engage with individuals and organizations using the most appropriate network [likely the chosen network of the person or company] they want to communicate with.
I do believe that, as it stands, Google Plus has found THE killer social application – and is waiting for everybody else to catch up. I've blogged about it here http://ow.ly/alQ4z I'm not saying that other networks won't catch up, and I do believe that Google should be pushing harder to get people to use it to protect its advantage long-term.
I appreciate your efforts to understand G+. Your article and the many comments generated from it also remind me of the classic parable of the blind men and an elephant which illustrates a range of truths and fallacies.
A group of blind men touch an elephant to learn what it is like. Each one feels a different part, but only one part, such as the tail, trunk, leg, side, etc. They then compare notes and learn that they are in complete disagreement.
I think many who attempt to describe G+ are only describing a part of the elephant and in that regard their personal experience will always be limited to their own perspective. It will always be difficult for others to convince them otherwise.
However, below is a link to an example of some of the other parts of the G+ elephant that students from the S.I. Newhouse School of Public Communications at Syracuse University are using with G+.
Students and I are using G+ as a professional learning, networking, communications and collaboration tool. Teaching teams are simultaneously using Video Hangouts, Live Chat, YouTube, Gmail, Google Docs, Apps, Search, Translate, etc. all in real-time interactions for project based learning. (This combination of functions are not available on Twitter, Pinterest, Instagram, Facebook, Skype, etc.).
The fact that these students' friends or family may not be on G+ as a social network yet is just a small part of the tail / tale. Google and G+ are providing the platform that is facilitating many of the skill sets that students need to get and keep a job today and for the digital and global future.
What Does A Social, Interactive And Collaborative Class Look Like?
Thank you,
Dr. William J. Ward aka DR4WARD
Social Media Professor
S.I. Newhouse School of Public Communications
Syracuse University
I don't think that it's about users choosing one network for all of the social activities… I think that each one has it's merits and people will use the most appropriate one of their needs. Facebook, may become a tool for B2C brand communication and peer networking; Twitter will become a news feed and B2B networking tool; Google Plus… well, I think it has discovered the killer social application of the future http://ow.ly/amhl5
Other networks may develop their own video applications, but Hangouts are a compelling reason to stick with G+. I can see their popularity growing within the next 6 months.
I agree with the lack of information density argument.
And I think the circles concept just doesn't work. People don't want circles, don't want to distinguish classes of "friends", they just want to be friends with someone and to know that this puts them on equal footing with his or her other friends.
So, scrap the circles thing, lets all just be friends, just like Facebook does, and find other differentiating features to promote the service and attract new members.
g+ is social spine n destination,it doesnt add up becos u r either ignorant or illitrate
I wanted to get into G+, but decided to shorten/initial my legal name. Google wouldn't allow it, almost demanding I provide my real name. They suspended my account just for wanting some small level of anonymity.
What is that? They are not the DMV or a parole officer. I don't mind them tracking my movements through their tools, but the idea they, or Facebook, or Twitter, would go an extra step to purposely put my legal name and identity in their searchable monstrosity is offensive. Why should every comment I make on any site be searchable by my own clients, or family, or employers etc. It should not. I believe that is a primary reason few people really go the full enrollment route with them.
All points considered the bottom line is that Google plus is way behind Facebook. What they do have in there favour is a massive search engine and hungry developers eager to integrate the whole social media platform together. Problem is (as you stated) the uptake. Will it ever reach critical mass? I have a website www.ourtechguy.co.uk and have added the G+ button. My services are local and find that google places generates traffic. Optimisation of Google places (I am sure) includes G+ and many other variables in the algorithm. I suggest that web developers, social media marketers and SEO professionals and people like me will be keen to get there customers to join the G+ network for at least that reason. Will they use it? Time will tell.
I have hobbies and interests that my family and friends don't share. Google Plus is where I engage with other artsy, geeky, nerdy, sci-fi loving kindred spirits – at least that was my hope. I don't really know how to find G+ friends or "circlers". Maybe I'm just not trying hard enough? At any rate, I keep my Facebook account open because that's what all of my family and friends use, but I really would like to trade it in for G+, if I can get enough "circlers" to make it worthwhile. Right now, it's kind of a ghost town for me.
As far as G+ being the "next Facebook", I never saw it that way. Google Plus is what it is, and why isn't that good enough?
I love google+ a lot. I just wish that my family would pick up on it. I'm just lucky to have them on facebook!
Sounds like you are mad that people aren't commenting enough on your stories? Your previous about how you had no contacts resulted in you getting thousands of them. I guess this is your way of trying to get more comments on your stories?
You are lucky. I can't even get one follower onto my twitter, tumblr, or google plus circle. I wish I had the spring board to make that change.
Hi Paul,
I've always thought the same thing as I have tried to embrace Google Plus, but it just seems like it's a "Johnny come lately" after FB.
I pretty much agree with your post. Def a niche community (one that I think will survive for quite sometime and probably grow to expand other related niches). One of the things that I thought was very cool was the hang outs. It reminds me of our lobby in college, where we'd all stop by on the way in and just chill for a while.
One of the biggest design problems with Google Plus according to me is the notifications system. Every day I see the notification icon that tells me I have something to see, but if I click on it I see the same old, same old, same old list of things! Nothing really new there! I might see something interesting navigating around, poking around… But the notifications system does not at all distinguish between "Unread" and "Read" notifications yet. I don't need to see every day the same last five people that have "added me back"! I don't need to see every day that two weeks before another photo was uploaded from my android via instant upload! If I click on a notification and read, it should be marked as read and either no longer appear in my notifications, or at least not be highlighted. There should at least be some sort of highlighting of unread notifications to distinguish them from read notifications. This is one of the reasons I haven't got too much into Google Plus, and facebook works a lot better from this point of view. Facebook notifications are actual real notifications, something that really happened and that I haven't seen yet (someone tagged me in a picture, someone commented on a picture / post of mine, a new friend request, etc.).
"If a supposedly tech savvy userbase like Reddit"
That's a false statement. Reddit userbase consist of stupid people trying to act like tech savvy. They get a long run with that reputation by flinging words around "python", "Rasp pi", and other stuff they just skim of what they are trying to be(and fail miserably).
You were right, and the Google fanboys as ever were making bold claims that failed to be realised.
Google+ is an epic fail.
Even Google's own staff don't use it, spending their social web time on Facebook and Twitter like everybody else:
I must agree, Google Plus is failed though much of the reason why people rfuse to use it is because it demands that people combine all oftheir Google "products" together under one identity. If you have GMail you have to tie it to AdSense, G+, YouTube, everything that Google controls, one identity is tied to everything, and that is really bad.
Google Plus was supposed to be a viable alternative to Facebook which is becoming ever more Republican fascist however because G+ was late in coming, and because of the way that the Google megacorp has evolved, G+ is also another Republican fascist construct, leaving it even worse than unviable.
The various open sourced public efforts to create a social network like Diaspora hold potential, but they're not ready yet either and, of course, they also hold the potential for Republica Christian treason.
I cannot believe how Google could not come up with an app to beat FB. I know they started with Orkut which was invitation only and did not pick up at least in US. I think Google has potential but losing it everyday.
Google+ has value besides just being a Social Network. I have setup numerous Google Plus accounts for clients because despite what Google claims, it really does help with search placement. Here is an article that explains why http://envolvesocial.com/articles/2012/11/21/why-google-good-your-business
I agree with the article regarding G+ being a niche. I keep trying to "get" G+ but still don't.
I have spent many hours (too many) trying to figure out how it works and more importantly to make it work successfully for me. Google Plus is just way too complicated and overwhelming for the average user.
The trouble for G+ is, I am not an average user. I am a technology consultant and very active on social media including several blogs, Twitter, LinkedIn, Tumblr, Facebook, Slideshare, YouTube and Vimeo I can figure all those out pretty easily. Yes, I post on it, but, that's about it. The whole sharing, pages, circles, friends, followers, hangouts, community, at al is way too much. The KISS principle has clearly been lost on the G+ developers.
Yeah, I read the articles at how much and fast G+ is growing…but, that's not hard to do now that Google forces all these services on a user that signs up for a Google account.


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Top Flite XL 13-Piece Complete Set - (Graphite)Item Number: 33513936
Price: $179.98 $299.99*
You save: $120.01 (40%)
You save: $120.01 (40%)
Free Shipping Eligible on Qualifying Purchases Over $25! Up to $15 Shipping Credit. (See Promotion Details)
Product Information
Customer Reviews
Equip yourself for a successful round on the course with the XL Graphite 13-Piece Complete Set. This set comes with everything the golfer needs from tee to green, including a Driver, 3-Wood, 4- and 5-Hybrids, 5 Irons (6-W), all fitted with graphite shafts for increased swing speed. An alignment putter, durable stand bag, and 2 headcovers are also included and give the Top Flite® XL Graphite Complete Set maximum functionality on the links.
** Learn more about Pro Shop services and club fittings available at all DICK's Sporting Goods locations **
- Complete set engineered for golfers of any skill level
- All clubs feature graphite shafts designed to help golfers who have slower swing speeds
- 460cc Ti Composite Driver has the largest head size allowed by the USGA for maximum distance and forgiveness off the tee
- 3-Wood has a low profile head design, generating higher and straighter shots for maximum playability
- 4- and 5-Hybrids combine the distance of fairway woods and the accuracy of irons for confidence on longer shots
- Stainless Irons (6-W) have wide soles with perimeter weighting to keep the Center of Gravity low for forgiveness on off-center hits
- Alignment putter provides a visual readout of where your putter is lined up in order to ensure proper aim
- Lightweight stand bag with 4 pockets, padded dual carry strap, 4-way top with full-length dividers, and umbrella holder
- 2 durable headcovers protect driver and fairway wood
- Top Flite
What's Included:
- Driver
- 3 Wood
- 4 & 5 Hybrid
- 6-9 Iron
- Wedge
- Putter
- Lightweight Stand Bag
- Headcovers (2)
Driver SPECS:
- Loft: 10.5°
- Lie: 56°
3 Wood SPECS:
- Loft: 15°
- Lie: 58°
4 Hybrid SPECS:
- Loft: 23°
- Lie: 61°
5 Hybrid SPECS:
- Loft: 25°
- Lie: 61°
6 Iron SPECS:
- Loft: 30°
- Lie: 61.5°
7 Iron SPECS:
- Loft: 34°
- Lie: 62°
8 Iron SPECS:
- Loft: 38°
- Lie: 62.5°
9 Iron SPECS:
- Loft: 42°
- Lie: 63°
Wedge SPECS:
- Loft: 50°
- Lie: 64°
Country Of Origin: China
Customer Reviews
Rated 4 out of 5�by 12 reviewers.
Rated 4 out of 5�by hackerman Good for the price! I am just getting back into golf after many years of not playing. Overall this is a good starter set. I am in my 40's (age, not score) and wondering if I should have gotten the steel instead of the graphite shafted irons. The only complaints I have are that I do not like the putter, it makes a hollow "dink" sound when you hit it and the black paint on the irons is starting to chip after only a few rounds. I did buy a Top Flite 2.0 mallet putter to the replace the one in the set and like it much much more. July 27, 2014
Rated 5 out of 5�by ptmchl Good starter set Nice set to get a young golfer started. I bought this set for my son and he quickly gained confidence in his game. July 21, 2014
Rated 5 out of 5�by Kat Perfect Gift My son loves them of course. Bought for his 11th birthday. They were are sale and perfect for him as we didn't want to spend more but wanted a decent set for him to grow with. July 2, 2014
Rated 2 out of 5�by vaughn22 ok for the price im new to golf but i had a friend also buy these clubs and the driver pulls right hard i mean i lost several balls into woods im better at driving with an iron or one of the hybrids. im going to keep the set and the bag is amazing but im very dissapointed in the driver and 3wood July 1, 2014
Rated 5 out of 5�by Gary Good price These were purchased for Father's Day and my husband was pleasantly surprised. Good deal for the average golfer. June 9, 2014
Rated 4 out of 5�by Dumas The Old Man And The Tee I have just taken up golf after a 5 year hiatus do to new hip. I find these clubs to be well made for my first set of graphites. I am 69 and looking for a good set of clubs for weekend play. They are light weight, comfortable grip and the flexible shafts are very forgiving for someone who has used metal shafts all his life. I would recommend these clubs for any average player. I ordered them from Dicks on line and they arrived in 2 days. Excellent service. June 9, 2014
Rated 4 out of 5�by Brownsfan Good value for the money Good starter clubs. I bought last years version of this set and I've had them for 2 weeks. I've hit at least 300 balls and haven't had any trouble. I've taken more than my share of divots and hit the ground numerous times and my clubs are fine. I just started playing and will probably want better clubs next year but as starter clubs for someone who has never played this is a good set. June 6, 2014
Rated 1 out of 5�by James656 Spend a little more money...its worth it Getting into golf and got this based on price. The day after I purchased headed to the driving range to try em out.. I head read reviews of heads flying off but thought that was due to someone hitting grass, etc. However, after 15-20 hits with the driver I tried out the 3 wood and two hits later the head went flying almost as far as the ball. No grass, not that hard of a hit just solid ball contact and head goes flying. Dicks offered to replace that one club but i went for a refund because I don't trust Top Flite anymore. Went to GolfSmith and got a $350 full set and trust me, the extra money is SO incredibly worth it. Even if your head with this doesn't fly off on the first day, who wants to be playing a round and lose your driver or something? And its happened to multiple people... so spend the extra money! If its not in the budget, get a used set or something but not this. April 29, 2014
Rated 4 out of 5�by CGW5 Well worth the money These clubs are very lightweight. The grips feel good. The clubs inside the bag hardly weigh anything compared to my old bag and clubs. I wish the length of the shaft was a little bit longer, as I am a bit taller than average. However, for the price they are a great value. April 20, 2014
Rated 5 out of 5�by dakman Golf Clubs Great value for me, being a new golfer. Clubs seem perfect. Salesman was really knowledgeable and extremely pleasant. April 9, 2014


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IMP Awards > 1983 Movie Poster Gallery > The Golden Seal Poster
Poster artwork by Steven Chorney
The Golden Seal (1983)
TRAILERS | IMDB | AMAZON | added: Feb 10th, 2008
WANT TO BUY THE POSTER? Try these links:
Internet Movie Poster Awards - Featuring one of the largest collections of movie poster images on the web.
Site Design by Face3media


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Kate Holmes will spill private details concerning her divorce from Tom Cruise to Elle magazine in its upcoming August issue. Holmes will also be featured on the issue's cover, looking beautiful, if not a little fierce.
Some of the somewhat catty moments in the exclusive interview with Katie offer some telling insights in to what may have been the cause for the couple's break. One can almost hear Holmes bristle at some of the questions being asked, clearly manifesting an undertone of wanting to establish herself as an individual outside of Tom's, uh, protection.
Of her soon-to-be former husband of five years: "He has been Tom Cruise for 30 years. I know who I am and where I am and where I want to go, so I want to focus on that."
On whether being Cruise's spouse helped to establish herself in her career: "Things are not handed to anyone. If anything, you work a little bit harder when you're in such visible circumstances."
And on being in her 30's, perhaps the most telling of all the sound bites regarding the new direction in which Katie Holmes will now be heading without Cruise: "I definitely feel much more comfortable in my own skin. I feel sexier. I think in my twenties - it's like you're trying too hard to figure everything out...I'm starting to come into my own. It's like a new phase."
As if these responses were not enough, Elle photographer Carter Smith also had this to say about Katie's overall sentiment concerning her marriage with Cruise:
"Katie didn't speak about Tom in a lovey-dovey way at all. She deflected the Tom questions and brought them around to herself."
Trapped no more, Katie Holmes appears more than ready to step outside of Mr. Cruise's twisted sovereignty.


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If you like Nora Robert's romance novels you will enjoy This first book in the Inn BoonsBoro trillogy. It is a sweet, romantic story. The town of Boo..Show More »
I really enjoyed this story. The narration was driving me INSANE - he speaks so slowly and deliberately. Then I found the setting to speed up the audi..Show More »
I really enjoyed this final installment in the Inn BoonsBoro Trilogy. I love series. The romance is good & the storyline is fun. Highly recommend. ..Show More »


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Report Reveals Issues With Private Student Loan Servicers
Borrowers reported difficulties with repayment plans, communication, and more.
Earlier this year, the Consumer Financial Protection Bureau (CFPB) issued its report, "Private Student Loans," highlighting a number of issues with regard to private student loans, and concluding that federal student loans are the better choice for the vast majority of borrowers. The Student Loan Ranger agreed.
And we continue to agree, especially in light of the CFPB's Student Loan Ombudsman's more recently issued "Annual Report," which highlights issues faced by borrowers when dealing with servicers of private loans.
The report was based on complaints received by the CFPB, submissions of stories through the CFPB's website, town halls and discussions with borrowers, and comments submitted by the public and by organizations that receive complaints about student loans.
[See five common private student loan complaints.]
The majority (65 percent) of issues reported fell into the "Repaying your loan" category, which includes "fees, billing, deferment, forbearance, fraud, [and] credit reporting," with the most common being "the difficulty negotiating a repayment plan with their servicer in periods of unemployment, underemployment, or financial hardship."
To the Student Loan Ranger, this is extremely troubling because it means that borrowers in distress—and at risk of defaulting—who are attempting to work with their servicers are, as the CFBP describes it, "Responsible Borrowers Stymied."
But beyond being stymied, these borrowers must rely on their servicers to provide them a workable plan if they are to avoid default because private loans lack the standard borrower protections of federal loans, including default-aversion protections like deferment, forbearance, and income-driven repayment plans. Without help from their servicers, they are left no option but default.
[Find out how to avoid loan default.]
Even more troubling to the Student Loan Ranger: Some borrowers who followed servicer instructions to make good faith payments—sometimes amounting to more than 50 percent of their take-home income—still ended up in default.
There were also a number of issues highlighted as "Servicing Surprises." Notably, borrowers who may be seeking to restructure other debt through bankruptcy so they'll able to pay student loans (since student loans generally can't be discharged through bankruptcy) found the filing actually triggered the default on their student loans they were trying to avoid.
And, in what the CFPB described as "Unexpected checking account transactions," when a borrower had a checking account with the same company that handled their loan, the lender would, without notice or agreement, deduct funds from their checking account.
Also notable was borrower "[c]onfusion when loans and servicing rights are bought and sold." The Student Loan Ranger has heard from many borrowers of both federal and private student loans who've had a difficult time identifying and communicating with servicers. (Some have had numerous changes in servicers.)
[Find out what to ask your student loan servicer.]
They've experienced failure to receive statements, and unexplained changes in amounts due and total balances. The Student Loan Ranger also has heard from borrowers who suddenly find their account reflects a $0 balance, when in fact they've been unknowingly placed in forbearance. Payments aren't due, but their loans are accruing interest and their balance is increasing—a scary situation for borrowers who are trying to stay up-to-date.
The report highlights many additional issues, including "Frustration[s] Faced by Struggling Borrowers," which includes difficulties regarding debt collection, the primary borrower's death and monthly forbearance fees (problematic because borrowers usually need forbearance because they can't afford monthly payments) among a slew of other important issues.
It also sets forth some recommendations, including loan modification and refinancing, determining whether efforts around mortgage servicing could help in the student loan context, and continuing to work to increase the use of Income-Based Repayment (IBR)—the logic being that lower payments on federal loans allows borrowers to make private loan payments.
The Student Loan Ranger likes that suggestion but feels that to truly free up income for private loan payments, IBR must start considering private loan debt when considering a borrower's debt-to-income ratio. Currently, "debt" only counts federal student loans. To learn how IBR and other plans work, attend one of our free webinars.
[Learn more about federal student loan repayment plans.]
Certainly, servicing issues aren't limited to private student loans. Last month, seven Republican lawmakers requested the Government Accountability Office to issue a detailed report on federal student loan servicing. But the Student Loan Ranger hopes there can be a more detailed investigation of private student loan servicing.
Addressing these issues and finding relief for these borrowers is especially crucial because the lack of protections means servicing issues on the private side can be much more impactful.
Radhika Singh Miller is a program manager for Educational Debt Relief and Outreach at Equal Justice Works. She has served on student loan committees in the Department of Education's negotiated rulemaking focusing on the College Cost Reduction and Access Act (CCRAA) and other debt relief initiatives. Radhika graduated from Loyola Law School Los Angeles. Prior to joining Equal Justice Works, she was a staff attorney at the Partnership for Civil Justice, focusing on constitutional and civil rights litigation and advocacy.


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Wine tours have become part of the Homecoming experience at Pacific. Make a trip back to your alma mater today, and be sure to visit the dozens of local wineries and breweries that call Washington County home.
Like so many who have settled here, Oregon's vintners and brewers tend to be pioneers.
From the German immigrants who first started brewing on the shores of the Columbia River in the 1850s to the California immigrants who ignored naysayers and moved their grapes north a century later, these pioneers created new lives—and new economies—in Oregon.
Today, these growers turn the rich soil, rolling hillsides and temperate climate of the Willamette Valley into handcrafted brews and wines that delight the connoisseur palette.
There are moret than 100 breweries and 300 wineries in the state (this, according to the Oregon Brewers Guild and Oregon Wine Board). For the local and tourist alike, sampling these victuals has become an event.
Wine tours are one of the most popular features offered at Pacific University's Homecoming Weekend, and this year's celebration (Sept. 28-29) will include two tour opportunities, visiting a total of five local wineries.
But the opportunity is available no matter when you come home to Pacific.
The Washington County Visitors Association advertises a Vineyard and Valley Scenic Route, and several local vineyards feature tasting rooms.
The Oregon Brewers Guild also notes that there are more than 140 places throughout the state to sample Oregon-brewed beer—such as McMenamins breweries and pubs not far from any of Pacific's campuses in Forest Grove, Hillsboro and Eugene—and there's even a saké brewery in Forest Grove with a tasting room and special events.
Make the most of your return to Pacific University (or find a new reason to make the trip) with a visit to the wineries and breweries of Washington County, listed on the next page. And please, drink responsibly, drive safely.


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Alligator River National Wildlife Refuge, managed by the U.S. Fish and Wildlife Service, comprises more than 150,000 acres. For those who enjoy nature, it offers many opportunities.
From Charlotte, it's about 320 miles – about a 51/2-hour drive.
To see and do
This coastal wildlife refuge, 12 miles west of Roanoke Island and the Outer Banks, is surrounded by water on three sides, making it a "natural" for hunting, fishing, boating and wildlife viewing. This area is known for its "pocosin" habitat, which is marked by swampy terrain.
You may recognize the refuge's name because of the successful re-introduction of the red wolf into Eastern North Carolina. Once extinct in the wild, the population is now in the 120-to-130 range. The refuge offers a wide variety of programming throughout the year; its wolf howlings are a favorite (the next one is Dec. 7).
With such a large tract of land you can visit a great representation of the diverse habits. One way to do this is along its "wildlife drive" – roughly 10 miles of gravel roads for exploration. Many motorists see a lot of wildlife; the refuge has one of the largest populations of black bear on the East Coast.
There are two nice walking trails that are easy to access. One of these is universally accessible (the Creef Cut Trail), and both offer great viewing and year-round fishing: The water is brackish/fresh so you'll find crappie, bluegill and other freshwater species. As with hunting, which is seasonal, an N.C. license is required.
Also easy to find are two public ramps where you can launch a canoe, kayak or small motor boat. Following clearly marked paddle trails is a great way to see some of the more pristine sections of the refuge. Along Milltail Creek and Sawyer Lake, you just may glimpse an American alligator. This is the northern most location it can survive.
This area was once home to Buffalo City with some 3,000 people; the land has reclaimed evidence that a town once stood here less than 100 year ago.
The refuge is along the "Atlantic Flyway" for bird migrations; some 250 species are routinely identified here depending on the season.
Programming for visitors: During warmer months, tram rides ($7) and guided canoe trips ($25-$35) are offered. Other programs, such as the wolf howling, bird watching and bear programs, are offered seasonally.


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Thread: Few new pics of my RS
Few new pics of my RS
Well I've been out for a while because of computer issues anyways thought I would take the time to post a few newer pics of my truck currently. Still going with the early ninties GM performance look. Finally got the "RS' Badges fixed & done on doors tailgate & lower right grille. I tried out some silver on the wheels but didn't like it so back to black, then for a slight color break I painted the lower chrome bumper piece in the silver.I also was able to find some old pics of my first truck which is the inspiration behind my 07 RS package. Enjoy
Still trying to figure out what to use for a vent screen on the hood scoop in the first pic. I like that intimidating look with the shaker style scoop.2007 Silverado RS, 4.8 V8, 2WD
Flowmaster Super 44 with turndown
Black painted front grille & bumper
Black / red Painted bowties
Black 18in. Silverado wheels
Black / Red interior conversion (in process)
89 Chevy Sport tribute decals
looking good man. i like the all black bumper better myself, but hey, its your truck, get it how you like it.
2011 GMC Sierra SLE 5.3 Z71 4X4 Stealth Gray Metallic / 2004 Chevy Impala LS 3.8 Cappuccino
Tow mirrors - Diablew Tuned - Flowmaster Regular 40 - Ready Lift 2.5' lift - BFG LT A/T K/Os - Carr Light Wing - TruckLite LED lights - Optima Red Top - 50% Front Window Tint - Line-X bedliner - Airaid MIT - Tekonsha P2 - ARS Billet Grill - Fia custom fit seat covers
your right the all black bumper did look better but seems nearly all black silverados are all black so I'll stray from the crowd a bit... but maybe by spring I'll go all black again.
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Youngsters should be ready to show off their muscles at Pancake Day.
The Kiddie Pedal Pull will be back again this year.
Registration for the Kiddie Pedal Pull will be from 2:15 p.m. to 3 p.m. on the west side of the square with eight age categories (4 to 11 year olds).
All participants must register during this time to participate in the pull which begins at approximately 3 p.m.
There is no registration fee for the Kiddie Pull.
A ribbon will go to each participant with first, second and third place winners named in each category.
Participants are reminded that good sportsmanship must be displayed at all times, shoes must be worn, the puller must remain seated at all times and the decision of the pull authority is final.


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View the article online at http://citywire.co.uk/new-model-adviser/article/a639351
IFAs gain more ammo in battle against Arch Cru redress scheme
by Jun Merrett on Dec 03, 2012 at 10:51
Advisers, MPs and lawyers have argued that the Financial Services Authority's (FSA) damning verdict on Capita Financial Managers' failings in the Arch Cru scandal will give them more ammunition to fight the regulator's efforts to force IFAs to compensate clients invested in the funds.
Last week the FSA censured Capita for failings in its role as Arch Cru authorised corporate director, saying it did not properly monitor fund manager Arch Financial Products and the liquidity risks affecting the funds, or ensure the funds were properly priced.
However, it stopped short of imposing a £4 million fine on Capita, pointing to the costs the FTSE 100-listed group had already incurred because of Arch Cru.
The costs included its £32 million contribution towards a £54 million redress scheme for investors, separate to the FSA's planned adviser-funded scheme.
The regulator added it had taken account of the fact that Capita Financial Managers would not have been able to make that payment without the support of its parent.
That news came while fresh doubt was cast over the regulator's proposed £110 million Arch Cru redress scheme, which will be funded by advisers who sold the funds.
Adding weight to redress scheme protest
Reports last week said the FSA had delayed its policy statement on the scheme due to an overwhelming response to its consultation.
The FSA board has appeared divided over the proposals, with minutes of its April meeting showing members had concerns over its impact just days before the consultation was announced.
Conservative MP Alun Cairns (pictured), who chairs the Arch Cru All Party Parliamentary Groups, said the FSA's verdict on Capita added further weight to advisers' protests against the £110 million scheme.
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16 comments so far. Why not have your say?
Dec 03, 2012 at 11:08
QUOTE ". . .Capita said it accepted the FSA's findings into its failures over Arch Cru. It added only those IFAs found to have mis-sold the Arch Cru funds would be forced to compensate investors as part of the FSA's proposed £110 million scheme.
'Those IFAs who correctly interpreted their clients' attitude to risk and who sold the Arch Cru funds where it was appropriate to do so will not be affected by the proposals,' it said...."
So is Capita now going to try turning public opinion and side with the FSA in hounding IFAs in an effort to redirect blame away from them? Since when are they the regulated experts on advice? The arrogance is beyond belief.
If only the 'mis-sold' will be compensated by IFAs, where does that leave the non-missold? Will they be treated equally? Will they be restricted to the £50k max?
Will IFAs be forced to make good 100% of the loss irrespective of the £50k limit?
WILL SOMEONE GET A GRIP.report this
Dec 03, 2012 at 11:27
Copy and paste the link below into your browser then go to the third paragraph and click on 'first'.. It will give you an indication of how Capita deals with problem funds:
http://connaughtactiongroup.com/2012/11/16/will-crapita-take-the-rap/report this
Dec 03, 2012 at 11:46
Sorry, but RBS was fined for its misdemeanours even though it spent a fortune correcting the errors.
However, Capita do not get fined?
The rules seem therefore to be different for banks, Capita and IFA's?
Capita said it accepted the FSA's findings into its failures over Arch Cru. It added only those IFAs found to have mis-sold the Arch Cru funds would be forced to compensate investors as part of the FSA's proposed £110 million scheme. With the FSCS also paying out from the IFA's who did and IFA's who did not make one sale
So Capita Financial Management may go into liquidation because of the financial implications. Yes, they failed and have to pay the price. Surely this would make the ACD's allot more careful in the future?report this
Dec 03, 2012 at 11:49
The whole basis of the FSA's claim against IFA's is that the funds were high risk and the the prospectus and marketing material described them as low risk and these statements were merely the opinion of the ACD Capita and Investment Adviser Arch and so they could not be relied on. This is clearly nonsense, you do not have an opinion of how you are going to manage the risks in a fund you have an intention of how you are going to run funds. The intention of the ACD and investment adviser was to manage the funds to give a low to medium risk profile. If they chose not to use risk management techniques to give a low to medium risk profile then it is they that have failed and not the adviser.
Let us not forget the wording of the simplified prospectus which enabled the fund manager to invest in a diverse range of asset classes overseen by the ACD to ensure there was a 'prudent spread of risk'. The range of assets and risk management techniques that were available would have enabled the ACD and fund manager to fulfil their intended mandate and have funds with low to medium risk characteristics but instead they chose not to.
CF Arc Simplified Prospectus 26th June 2006:
What are the funds investment objectives?
CF Arch Cru Investment Portfolio
The objective of the fund is to generate consistent returns to provide wealth preservation and capital appreciation.
The fund will seek to achieve its objective by investing directly in a broad range of collective investment schemes, transferable securities, Corporate Bonds, money market instruments cash, derivative instruments forward transactions and other instruments that the investment manager considers appropriate from time to time.
The funds will not invest directly in moveable or immoveable property but may gain exposure indirectly through allowable instruments including index based products. The ACD shall ensure that , taking into account the investment objectives and policy of the Funds, the property of each Fund aims to provide a prudent spread of risk. From time to time and in particular during periods of uncertain or volatile markets, the Investment Manager may choose to hold a substantial proportion of the property of the Funds in money market instruemnts and/or cash.
Use of derivatives - Hedging
The company may use its property to enter into derivatives transactions for the purposes of obtaining or shorting exposure to an asset, and risk management through hedging.report this
Dec 03, 2012 at 12:08
"The FSA board has appeared divided over the proposals, with minutes of its April meeting showing members had concerns over its impact just days before the consultation was announced."
For "impact" presumably this is the notion that perhaps 30% of IFA businesses would be forced into liquidation. The inference, therefore, is that if the IFAs could, somehow, all afford to carry the can then the FSA would forge ahead anyway. In other words, if the FSA could simply get away with imposing the Consumer Redress Scheme onto the adviser community it would have done so – irrespective of whether it was the right thing to do or not. Is there any semblance of the TCF culture in that strategy?
Here is the perfect opportunity for the FSA to show their true colours either as a world class regulator – or a clueless, bullying organisation with no integrity. Sure they made a complete mess of the situation from the word go and tried every possible, devious and lowlife method to chummy up with the big boys and foist the blame onto the blameless. But, hey, we all make mistakes!
Here is a perfect opportunity for the FSA to back track, revisit Capita and clobber them in the way they seem to think IFAs should be destroyed. But at least Capita, even if it were to be driven onto the rocks, would be the cause of this scandal...not the IFAs who seem to be ripe for the slaughter instead.
Such a move would restore considerable faith in an otherwise unaccountable and seemingly clueless regulator which, given their parlous reputation with all and sundry, would seem like an eminently sensible course of action.
So, here's a chance for the FSA – surely saving face isn't the sole reason for crashing ahead with this disgraceful action. And think of the improvement in their standing should the right decision finally be taken by someone with the guts to stand up to Capita. They could even achieve this without too much shuffling and fidgeting once they've phoenixed into the FCA – just blame it on the previous idiots at the helm, especially as most of them have gone anyway.report this
Dec 03, 2012 at 12:09
This is an extract from an article which appeared in the mail online 1st December 2012 (Richard Dyson)
'Just before last Christmas, as Financial Mail reported, campaigning Tory MP David Davis spotted in correspondence from Hector Sants, the FSA's then boss, the assertion that 'one of the firms involved' was 'unable to pay'.
Davis swiftly wrote to Sants, asking whether that company was Capita. And from documents released by the watchdog last week, we now know the answer was yes. Technically, the division of Capita responsible for the mess was too small to make amends for its failures.'
If David Davis was aware that Capita Financial Managers had insufficient funds then surely the Financial Secretary to the Treasury would have been aware! Is this why we never had a S14 inquiry? Would the findings have been too damaging for government and UK PLC?report this
Dec 03, 2012 at 12:23
It could be quite revealling to read copies of the minutes of meetings between Capita and Arch from 2006 to 2009. Are these available?
Why do Capita have a limited amount of money? Where is there professional indemnity cover to pick up the costs of the losses their negligence has incurred? We appear to be in the TwiLight Zone where there has not been a detailed calculation of the cost of Capita's negligence, a figure has been estimated, Capita have said they have only got a limited budget SO THEREFORE IFAs must be responsible for the shortfall!! This does not stand up to rationale scrutiny or common law justice as anyone looking in on this would agree.report this
Dec 03, 2012 at 13:14
Isn't there another point behind the question on Capita FM's responsibility and potential inability to pay (without the unwilling support of its parent) - no not PI (but surely there must be some?) but the responsible group, should Capita FM (be allowed to) fail, would surely not be intermediaries anymore?report this
Dec 03, 2012 at 14:55
@Nik Proctor and others.
It's not only PI that is questionable. CF is a subsidiary of the Capita Group, not the main body, and they are trading on thise discrete arrangement to avoid paying any more..
This begs other questions.
1. How many directors are / were common to both Capita companies, because if so, there is a clear line of responsibility back to the main Capita board for compensation.
2. The CF directors should have D & O Liability cover if their FD is on the ball.. If they are found to be negligent or are sued personally, the cover should be there to meet a claim. Does Capita have D & O in place on their directors, and may we see a copy of the policy please? As a public company providing government services we should expect all directors to be covered.
3. When the FSA vetted CF for suitability presumably they did the requisite due diligence to confirm that they were sufficiently capitalised. I would like to see a copy of the paperwork and minutes under the FoI Act. please.If this is not available it suggests that this was not done, which looks careless to say the least.report this
Dec 03, 2012 at 15:45
Regardless of fact the FSA must see this through. Senior people at the FSA are entrenched. The APPG are not making any progress, so what does a whinging blog achieve. The FSA has become a stranger to the truth!
The Board were not concerned about the sins of its employees simply the outcome of the 404!
The Treasury should be concerned but want to protect Capita. This really stinks!!report this
Dec 03, 2012 at 15:56
Eden W - I agree they woold not be intermediaries and it would therefore result in the FSCS levy group being different, hence why I said on anotehr blog that the word "preference" may need to be considered.
Have Capita and the fund management groups been given "preference" over the other FSCS sections.
Not only was it decided by the FSA/FSCS that Keydata's life settlement plans were not a product, but an intermediary, but now it looks like the same is going to be done with Arch Cru, lumped on up to the 100million max and only the excess going to other levy paying groups.
Mind you, if you look at it logically, as the banks effecively all collapsed, their sector of the levy would have been exceeded and put every advisery firm out of business too!report this
Dec 03, 2012 at 16:45
@ David Craik
As I mentioned in an earlier blog how long has the treasury (FST) known that Capita FM had inadequate resources to pay the appropriate level of compensation to investors? Why has this information not been given to parliament by the treasury?
Its a very very murky business!report this
Dec 03, 2012 at 22:44
If ever there was a state of affairs for which the word "omnishambles " was invented this must be it! An "omnishambles" is a situation that has been comprehensively mismanaged and is characterised by a string of blunders and miscalculations. Or, to quote Wikipedia, "a situation which is seen as shambolic from all possible perspectives." The resolution to this disaster appears so far to have taken longer than the actual funds existed (or at least were liquid!) and there appears no end in sight. It is surely not onlv giving the parties involved a bad name but the financial services industry in general.
The FSA have delivered such a damning indictment on Capita Financial Managers to such an extent that CFM have been totally discredited. I am surprised they are still being allowed to carry out ACD duties at all, quite apart from any consideration of a fine. Although they may now have invested in appropriate systems, the words horse and stable door spring to mind and the belated investment will not help Arch cru investors.
When the funds were first approved, was the involvement of Capita, with all their supposed credibility and expertise, a source of comfort to the FSA, the IFAs and consequently the investors? Indeed, in view of the apparent complicated and somewhat opaque structure was Capita's involvement actually crucial to the funds' authorisation? If so, it would appear the FSA's trust in CFM was totally misplaced.
The problem seems to be - where to point the finger? There are no doubt some IFAs who mis-sold the investment. There are undoubtedly many IFAs who were genuinely acting in what they thought was their client's interest. There will be some investors who are of the opinion that their IFA was acting in good faith and are themselves victims. However, it would appear that these funds were suspended not because of poor performance but because of a lack of liquidity. Had the investments been made in accordance with the prospectus, and the liquidity situation been properly managed by the ACD in accordance with FSA Rules, for all we know the funds may still be trading. In that sense a reasonable person would surely reach the conclusion that if Capita are responsible for the liquidity position, they are responsible for the losses since upon suspension the situation is crystallised and the funds have no chance to recover.
As to CFM avoiding a fine, which ever way one looks at it for the subsidiary of a FTSE100 company with a market capitalisation of around £5billion to plead poverty beggars belief and frankly says as much about them as it does anyone else. Capita earns much of its income from the public sector - in other words taxpayers and ratepayers including no doubt Arch cru investors. It remains to be seen whether they will continue to treat those same people with contempt or whether they will see reason and stop digging a hole marked "Corporate Reputation."
The message that comes across to someone not involved is that the IFAs are being asked to bear a much greater share of the liability than they should. Of that there appears to be no doubt and if the proposals are implemented it would appear that a good number of IFAs will be forced out of business, their livelihoods lost and their liability shared by the remaining IFAs through the FSCS. That would be patently unfair to many genuine people and I would not have thought that would be good for the financial services industry in general and the country at large, given that we need to save more. The only saving grace is that the FSA seem now to have created a precedence in that if you cannot afford to pay a fine you are let
Surely there is someone with a scintilla of common sense who could resolve this matter around a table with all the parties involved, including Capita?report this
Dec 07, 2012 at 11:47
Why is it that Spear Point are suing several parties inclucing the previous fund manager Arch for loss as a consequence of alleged lack of due diligence and management control capability but are not bringing a similar action against Capita Financial Management given this damning citing and censure from the FSA?report this
Dec 07, 2012 at 16:44
@ miles jon
It is not Spearpoint who are taking Arch Financial Products LLP to court but the new board of the Guernsey I.C Ltd companies whose chairman is Hugh Aldous. Hugh Aldous is still a CAPITA official and as the link below shows was chairman of Capita Financial Group's specialist fund division.
You really have to laugh at the irony at Bernie Boylan's comment about CFM understanding the complexities of the Mithras Investment Trust which invests in Private Equities, as by May 2009 when CFM were appointed by Mithras the CF Arch Cru funds were already suspended and the FSA's ARROW visit in October 2008 had found the complete lack of systems for the 231 funds that CFM were ACD of that resulted in the very delayed Final Notice issued against CFM on the 26th November.
Indeed you could question why the FSA allowed Mithras to appoint Capita Financial given the FSA knew of CFM's failings at that time. However if you were to ask the FSA any question regarding Capita you will not be given any answer as the FSA have shown in the CF Arch Cru case and others that Capita are bulletproof.
Log onto the FSA website and on the main page in the top right hand corner there is a link on news about firms with CF Arch Cru a specific link. Click on this and there is no mention of the Final Notice against Capita Financial Managers – Why not ? I would have thought the information was very relevant for investors. What is also rather strange is the Final Notice against CAPITA was issued on 13th November but was not released until 26th! Virtually every other Final Notice is published on the FSA's site and released to press the day after the notice is issued, why give Capita a fortnight to get their PR lobbyists prepare to lessen impact of news.
More worryingly why did it take over 4 years from the FSA's ARROW visit in October 2008 when the failures of CFML's management systems, procedures and controls were discovered until November 2012 to issue this notice? After all the failures at CFML had been ongoing for 2 years from 2006 (possibly longer) and the failures were on over 200 funds and CAPITA had not spotted these errors.
Compare this to UBS who noticed immediately themselves in September 2011 that unauthorised trades had taken place for a 4 month period between June and September 2011 and altered systems accordingly, these system errors lost no investor money yet in just over a year from UBS informing the FSA of its errors the FSA issued Final Notice and fined them £29 million.
However, nobody should be surprised about the FSA's cosy relationship with CAPITA as it has happened before. I have looked at the link detailed by @Ned K
and the link to will C(r)apita take the rap. The minutes of Capita's meeting with Connaught Asset Management on 16th September 2009 would certainly indicate Capita knew that the Connaught Fund was going to implode in the future. Having never recommended the Connaught fund I have no idea whether in September 2009 investors were informed directly of CAPITA'S concerns and given the opportunity to exit the fund as was proposed by John Peppitt at the meeting , but given the numbers of investors caught out and the articles on the action group website I would doubt it.
No doubt CAPITA were allowed to give Blue Gate Capital a hospital pass as the FSA had mucked up in allowing CAPITA to market the fund in the first instance as individuals connected with Connaught Asset Management had connections with UKLI Ltd. Although the FSA eventually took action to close UKLI Ltd the UK's largest illegal land banking scheme in June 2008, the FSA would have been made aware by Moore Stephens accountants of the links between UKLI and Connaught Asset Management as detailed in Moore Stephens resignation letter
as well as correspondence received from Business Opportunity Watch
Given the close relationship that CAPITA has with both the Labour and Conservative Parties and the FSA is answerable to no one then CAPITA and the FSA can go along like bungling idiots allowing one investment disaster after another to occur and others have to pay for their mistakes.report this
Dec 08, 2012 at 10:35
Lyndon Edwards @ NED K and others Tottaly agree, What a murky mess indeed.
Latest News - A really good friend of mine, IFA for 30 years, Chartered and more qualifications in Law/Accountancy, due to a take over from another firm, has been refused re- authorisation by the FSA due to his involvement in advising two clients in the Arch Cru Fund ! Although adhering strictly to the statement below.
'Those IFAs who correctly interpreted their clients' attitude to risk and who sold the Arch Cru funds where it was appropriate to do so will not be affected by the proposals,' it said
So anyone else out there who advised on Arch Cru who may wish to move firms in the future or been subject of a takeover, YOU WILL NOT GET RE AUTHORISED ! This is shocking news indeed, what redress does my friend have ?
All the captains have now left this shoddy ship (FSA) to sink on its own, there again RATS never drown ! They have left to mess up another firm being left unpunished,unaccountable with payofffs and new contracts while my friend an IFA of 30 yrs and man of supreme integrity is left unemployable and jobless. Where is the Justice in that ?report this
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