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Avoiding Debt
Good Debt vs. Bad Debt
Did you know there was a such thing as good debt? Find out the difference between good debt and bad debt.
Five Spending Habits That Lead To Debt
Debt isn't something that just happens as you go about your daily routines. There are certain spending habits that lead to debt. Recognizing these habits now could save a lot of money and stress later.
10 Ways to Avoid Credit Card Debt
Anyone who has a credit card risks carrying too much credit card debt. You don't want to get overwhelmed with credit card debt because it can be extremely difficult to repay. So, as you use your credit cards, keep these tips in mind to avoid credit card deb
Signs You're Headed Toward Credit Card Debt
Using credit cards unwisely can lead to a mountain of credit card debt that's nearly impossible to overcome. But how do you know if you're using your cards unwisely? Here are some ways to tell you're for credit card debt.
The Worst Credit and Debt Advice Ever
I know a lot of bad advice is given when it comes to credit and debt. So, I asked About.com Guides what was the worst credit and debt advice they've ever received or heard given to someone else. Here are some of the absolute worst answers.
3 Reasons to Go Into Debt and 5 Reasons Not To
Debt is a four-letter word that many people want to banish from their vocabularies and their lives. People have been known to commit suicide over their overwhelming debt, so how could there be good reasons to go into debt?
9 Reasons Debt is Bad for You
A little debt won't hurt, will it? That's how it starts. You make a small purchase on your credit card and the next thing you know you have thousands of dollars in debt. But, what exactly is wrong with having a little – or a lot – of debt? A lot, a
9 Reasons to Pay Off Debt
Many plans to pay off debt fail because there's no clear motivation behind them. Or, they began with motivation, but it was forgotten before the plan could be carried out. If you want to get out of debt behind it, you have to think about the reasons you want to get out of debt. How will you benefit by paying off your outstanding bills? What can...
How to Avoid New Baby Debt
New parents may not realize how expensive having a baby can be. Here are some ways to avoid going into debt over new baby expenses.
90 Days is Same as Cash - Not Always a Great Deal
Many buy here, pay here types of businesses promote a 90 days same as cash promotion to get you buy their products using their in-store financing options. Ninety days same as cash isn't what it sounds like. Find out why you should stay away.
Why You Should Avoid a Credit Card Cash Advance
Your credit card comes with the ability to take out a cash advance, but this type of transaction might be the worst of all. Learn why you should avoid a credit card cash advance.
8 Signs You May Be Headed to Bankruptcy
Learn to recognize the signs of bankruptcy and stop the process before it gets worse.
3 Ways Borrowing a Loan Impacts Your Credit Score
Eight Tips To Avoid Sinking Into Holiday Debt
The holidays are ripe for spending. ind out how to make it through the holiday season with as little debt as possible.
How to Stop Living Paycheck to Paycheck
Living paycheck to paycheck is an uneasy feeling since you're often worried about how you're going to make ends meet. Learn how you can stop living paycheck to paycheck.
7 Ways to Live Within Your Means
To live a financially responsible life means you're living within your means. That is, you're not spending more money than you make. For many people, it's a lot easier said than done. Using credit cards and loans allows you to buy more things than your income will allow. That kind of lifestyle isn't sustainable and, at some point, your debt will become too large to pay. When that happens,…


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e've announced the upcoming limited-edition reprints of the original 1st Edition core rulebooks: Monster Manual, Player's Handbook, and Dungeon Master's Guide (the purchase of which help support the Gygax Memorial Fund). To better discuss the importance of these books for the game—and for the entire hobby—Grognardia's James Maliszewski returns for this installment of D&D Alumni.
The hobby of roleplaying games was publicly born with the appearance of three little brown booklets in early 1974. These three booklets, entitled Men & Magic, Monsters & Treasure, and The Underworld & Wilderness Adventures, comprised what is now often called Original Dungeons & Dragons (or OD&D), but which at the time was simply known as Dungeons & Dragons. The adjective "original" is appended to the title to distinguish it from Advanced Dungeons & Dragons, a revision and expansion of the 1974 game, which made its formal debut in 1977 with the publication of the Monster Manual.
In his foreword to the Monster Manual, dated September 27, 1977, editor Mike Carr calls the book "a 'first' in the gaming world" because of "its special hard cover." Difficult as it might be to believe, given the ubiquity of modern roleplaying games with hardcover rulebooks, AD&D was a first in this regard. Indeed, for many years, it was the only example of a roleplaying game presented in this fashion. Equally remarkable was the fact that AD&D's complete rules were spread over three different volumes, in some ways mirroring the presentation of OD&D, albeit in a greatly expanded form. This presentation not only confirmed the place of Advanced Dungeons & Dragons as the most popular RPG of its day but also established it as a top quality one.
Mike Carr uses those very words in his foreword, when he says that the Monster Manual's hardcover is "another step in our continuing quest for top quality products." Speaking as a proud owner of those three rulebooks, I can fully attest to the sturdiness of their textbook-quality binding. More than three decades after I originally purchased them, not a single page is loose and their covers have withstood the punishments dished out by being carried in many a backpack over their lifetime. Also noteworthy is the fact that AD&D's adoption of a hardcover format was at least partially due to the needs of being distributed to bookstores, where they could be displayed just like any other book. This move not only marked a major change in the way the game presented itself but also made it more widely available beyond the toy and hobby shops where OD&D had been sold.
The AD&D project was a massive undertaking that began in 1976, as E. Gary Gygax, co-creator of D&D, set to work producing what was originally imagined to be a clarification of OD&D, but which soon became much more than that. In his preface to the 1978 Players Handbook, Gygax states that it "was a project which involved varying degrees of my thought, imagination, and actual working time over a period of more than a year and one-half." He goes on to say that this endeavor consisted of "put[ting] into these works what should be the important parts of a superior D&D campaign, cutting out material which actually adds little or nothing to the game, revising the old, and adding and expanding in the essential areas."
The three hardcover volumes of AD&D—in order: Monster Manual, Players Handbook, and Dungeon Masters Guide—appeared at a rate of one per year between 1977 and 1979. During that time, AD&D co-existed with OD&D. In fact, AD&D depended on OD&D's continued existence, since, until the release of the Dungeon Masters Guide, important rules of the game—such as experience awards and magic items, to name just two—were unavailable except through the pages of OD&D. Though both versions of the game continued to exist side by side, the appearance of the Dungeon Masters Guide brought about a shift in the relationship between the two. Gygax, writing in issue #13 of The Dragon (June 1979), stated unequivocally that AD&D was a "different game" than OD&D.
In the same article, Gary Gygax adds that "there is no similarity (perhaps even less) between D&D and AD&D than there is between D&D and its various imitators produced by competing publishers." How could he say this, when it seems so obvious how much AD&D owes to OD&D? I used to think his position was patently absurd for this very reason, but Gygax does give us some clues as to what he was thinking. For example, he says that he believed the target audience of OD&D "was principally the same as that of historical wargames in general and military miniatures in particular." The explosive popularity of the game proved him wrong in this belief, which is why AD&D would be written in such a way as to be appeal to a "broad audience of hundreds of thousands of people—wargamers, game hobbyists, science fiction and fantasy fans, those who have never read fantasy fiction or played strategy games, young and old, male and female."
Consequently, it was AD&D that became the standard bearer for Dungeons & Dragons in the broader public consciousness. For instance, the New York Times best-selling Dragonlance fantasy novels were based on a series of adventure modules written for AD&D. Likewise, the covers of AD&D rulebooks, in particular David Trampier's Players Handbook and David Sutherland's Dungeon Masters Guide covers, became iconic representations of D&D in the minds of even those who never played the game during the days when those rulebooks were available. These three rulebooks (and the game system they presented) became the public face of both Dungeons & Dragons and the wider hobby of roleplaying, which was rapidly becoming a runaway fad at the time.
In retrospect, this popularity is hardly surprising. The AD&D books were not only physically impressive, as I noted earlier, but their content was similarly majestic. Better organized and presented than OD&D, with tables of contents, indexes, and glossaries, they were widely seen as vast improvements over their predecessor. Likewise, Gary Gygax's sesquipedalian writing style elevated their texts above mere game books, in the process sending a whole generation of gamers scurrying to their dictionaries to look up words such as "milieu," "dweomer," and "puissant,"—not to mention Latin abbreviations, such as e.g., i.e, and q.v.—to cite just a few examples I still remember to this day. Advanced Dungeons & Dragons might have been a game, but its rulebooks were written and presented in a way unlike any other game before or since, which likely goes a long way toward explaining why, even now, this game remains so highly regarded and fondly remembered.
About the Author
James Maliszewski started roleplaying in the late fall of 1979, when he opened up a copy of the Dungeons & Dragons Basic Set, which was edited by Dr. J. Eric Holmes and originally purchased for his father. More than thirty years later, he's still playing. He works as a freelance writer and blogs about old school gaming at http://grognardia.blogspot.com.

subset: commoncrawl


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"When you can wear what you feel, what do you want to say' from "All Dressed Up in Love".
I am flying my partner down to LA from Vancouver Canada as a surprise 44th birthday gift.
This is the song he choreographed his bodybuilding competition to and blew the audience away coming in 1st - they were on their feet screaming!
A great song that inspired him to train for his first competition which was played over 275 times (I checked our iTunes!) plus gave him the strength to be the best that he could be.
Raised by his Trinidadian gospel loving grandmother "Jesus Promised Me A Home Over There" is another song that makes him enjoy Jennifer above everyone.
PS He doesn't know he's coming to LA!


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Availability: Cavallo Point
Standard Room, 2 Queen Beds (Contemporary)Max Occupancy: 6 guests (up to 2 children)
Suite, 1 King Bed, View (Contemporary, Bridge View)Max Occupancy: 4 guests (up to 1 child)
Standard Room, 1 King Bed (Contemporary)Max Occupancy: 4 guests (up to 1 child)
Standard Room, 2 Queen Beds, View (Contemporary)Max Occupancy: 6 guests (up to 2 children)
Deluxe Room, 1 King Bed (Contemporary)Max Occupancy: 4 guests (up to 2 children)
Suite, 1 Queen BedMax Occupancy: 5 guests (up to 2 children)
Standard Room, 1 King Bed (Bridge View)Max Occupancy: 4 guests (up to 1 child)
Standard Room, 1 Queen BedMax Occupancy: 3 guests (up to 1 child)
Standard Room, 1 King Bed (Historic)Max Occupancy: 4 guests (up to 1 child)
Standard Room, 1 King Bed, View (Contemporary, Golden Gate View)Max Occupancy: 4 guests (up to 1 child)
Deluxe Room, 1 King BedMax Occupancy: 4 guests (up to 2 children)
Suite, 1 King BedMax Occupancy: 4 guests (up to 2 children)
Suite, 2 BedroomsMax Occupancy: 7 guests (up to 3 children)
Spectacular, up-close views of Golden Gate Bridge
Beauty by the bay
An idyllic getaway just minutes from downtown San Francisco, this lodge-style resort was built on the grounds of historic Fort Baker, bordering Sausalito. The Golden Gate Bridge is immediately south.
Nature and nurture
Guests can take a guided hike beneath the bridge, explore the rolling hills high above the bay, take a cooking class, indulge in a spa treatment, and dine at Cavallo Point's Michelin-starred restaurant.
Rooms with a view
The hotel offers historic lodgings in former officers' residences and contemporary rooms on a hillside above the fort. All are smoke-free and include LCD TVs, iPod plug-ins, organic linens, and turndown service.Information missing or incorrect? Tell us!
Cavallo Point Amenities
- General
Built on the grounds of historic Fort Baker, Cavallo Point commands spectacular views of the Golden Gate Bridge, immediately south. More than 75,000 acres of National Park surround the lodge. Guests can also reach downtown via passenger ferry, which departs from nearby Sausalito, or use the hotel's complimentary shuttle service to downtown San Francisco and Sausalito.
Resort activities include guided hikes, complimentary morning yoga classes, and an acclaimed cooking series with classes and tastings. The Healing Arts Center & Spa offers holistic treatments, wellness programs, a Tea Bar, and an outdoor meditation pool beneath the pines. Additional spa features include massages, body scrubs, mud baths, and nutrition consultation in spa, as well as 11 treatment rooms. Children under 18 must be accompanied by an adult; guests under 16 are not allowed in the spa.
Business travelers can take advantage of the property's 7 conference rooms, which offer 2,050 square feet of meeting space. Wedding services are also available. The Michelin-star Murray Circle Restaurant features fresh local ingredients, seasonal outdoor dining, and marvelous views of the Golden Gate Bridge. A complimentary reception of light refreshments is served in the early evenings.
Cavallo Point is also home to the Institute at the Golden Gate, advancing environmental preservation and global sustainability. The Bay Area Discovery Museum, one of the top children's museums in the region, is adjacent to the resort.
- Room service (limited hours)
- Outdoor pool
- Laundry facilities
- 24-hour fitness facilities
- Free valet parking
- Conference space size (meters) - 185
- Number of meeting rooms - 7
- Complimentary reception
- Free Wi-Fi
- Area shuttle (complimentary)
- Conference space size (feet) - 2050
- Wedding services
- 24-hour front desk
- Bar/lounge
- Breakfast available (surcharge)
- Business center
- Concierge services
- Conference space
- Dry cleaning/laundry service
- Elevator/lift
- Fireplace in lobby
- Full-service spa
- Gift shops or newsstand
- Free wired high-speed Internet
- Spa treatment room(s)
- Meeting rooms
- Total number of rooms - 142
- Picnic area
- Porter/bellhop
- Restaurant
- Safe-deposit box at front desk
- Sauna
- Smoke-free property
- Spa services on site
- Spa tub
- Steam room
- Internet
Available in all rooms: Free Wi-Fi , Free wired high-speed Internet
Available in some public areas: Free Wi-Fi , Free wired high-speed Internet
- Parking
Free valet parking
- Room Amenities
- Free Wi-Fi
- iPod docking station
- Rollaway/extra beds available
- Separate sitting area
- Cribs/infant beds (complimentary)
- Connecting/adjoining rooms available
- Bathrobes
- Cable TV service
- Complimentary bottled water
- Ceiling fan
- Coffee/tea maker
- Complimentary newspaper
- Desk
- Free local calls
- Hair dryer
- Hypo-allergenic bedding available
- In-room safe
- Iron/ironing board
- In-room massage available
- Free wired high-speed Internet
- Pay movies
- Premium bedding
- Private bathroom
- Refrigerator
- Daily housekeeping
- Slippers
- Phone
- Turndown service
- Dining
Murray Circle Restaurant - Award-winning restaurant serving Bay Area cuisine created with fresh local ingredients. View of Golden Gate Bridge. Dining room with restored tin ceiling, fine-art photography, fireplaces. Outdoor seating on the building's original porch, facing the city and bridge. Breakfast, lunch and dinner are served daily (surcharge applies).
Farley Bar - Named after popular San Francisco comic-strip character. Cocktails, wines, small-plate menu. Fireplaces, leather club chairs. Bar crafted from a fallen tree. Open daily, late morning till late night.
- Recreation
The recreational activities listed below are available either on site or nearby; fees may apply.
- Golfing nearby
- Kayaking nearby
- Sailing nearby
- Bicycle rentals on site
- Hiking/biking trails on site
- Pilates classes on site
- Yoga classes/instruction on site
- Spa
Cavallo Point features a full-service, on-site spa, Healing Arts Center Spa.
Services at this spa include body, aromatherapy, body scrubs, massages, mud baths in spa, and facial treatments, as well as body wraps and nutritional consultation in spa.
- Body treatments
- Facial treatments
- Number of treatment rooms 11
- Body wraps
- Body scrubs
- Aromatherapy treatments
- Mud bath in spa
- Massages
- Minimum age to access spa is 16
- Accessibility
To make requests for specific accessibility needs, complete the "Special or Accessibility Requests" section of "Trip Preferences" when you book your hotel.
- Accessible path of travel
- Accessible bathroom
- Roll-in shower
- Accessible parking
- In-room accessibility
- Accessibility equipment for the deaf
- Braille or raised signage
Cavallo Point Policies & Fees
- Check-in
Minimum check-in age is 18
Check-in time starts at 4 PM
- Check-out
Check-out time is noon
- Payment types
Accepted at this hotel: American Express, Diners Club, Discover, JCB International, MasterCard, Visa
- Pets
Pets allowed, Only dogs are allowed, Maximum number of pets per room 2
- General
Extra-person charges may apply and vary depending on hotel policy.
Government-issued photo identification and a credit card or cash deposit are required at check-in for incidental charges.
Special requests are subject to availability upon check-in and may incur additional charges. Special requests cannot be guaranteed.
No elevators
- Fees
- Unless otherwise indicated, the charges below are not included in the overall room price. If not included in the overall room price, they will be charged by the property at check-in or check-out. Charges can vary, for example, based on length of stay or the room you book. This property told us they will charge you for the following:
Hotel resort fee inclusions (may be listed elsewhere in this description as complimentary or available for a surcharge):
- A 14 percent city/local tax will be charged
- Resort fee: USD 25 per accommodation, per night
We have included all charges provided to us by the property. However, charges can vary, for example, based on length of stay or the room you book.The following fees and deposits are charged by the property at time of service, check-in, or check-out.
- Spa access (may be limited)
- Spa tub access
- Fitness center access
- Fitness/yoga classes
- Sporting facilities or equipment
- Business center/computer access
- Internet access (may be limited)
- In-room safe
- In-room coffee
- Concierge/valet service
- Self parking
- Valet parking
- Parking
- Housekeeping/cleaning fees/gratuities
The above list may not be comprehensive. Fees and deposits may not include tax and are subject to change.
- Breakfast fee: between USD 9 and USD 17 per person (approximately)
- Pet fee: USD 75 per stay
- Additional Details
Children 17 years old and younger stay free when occupying the parent or guardian's room, using existing bedding. The property has connecting/adjoining rooms, which are subject to availability and can be requested by contacting the property using the number on the booking confirmation.
Awards & Affiliations
- Details
- A Green / Sustainable Property - Third Party CertifiedThis property participates in LEED Gold, a third-party certification program that has been independently certified. Third-party certification measures the property's impact on one or more of the following: environment, community, cultural-heritage, the local economy. An objective assessment of a company's sustainable tourism practices has been performed at this property by an auditor who is independent of the third-party certification program.
- The property is a member of Historic Hotels of America.


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Traveling at 13,000 mph, the Mars rover Curiosity has seven minutes to get from the top of the atmosphere to the surface of the red planet - and if one thing goes wrong, it's "game over."
NASA has produced a video, "Seven Minutes of Terror," which explains how the descent will work. You can .
The big challenge for JPL is that Curiosity is twice as long and five times as heavy as the previous rovers sent to Mars, so slowing it down is an feat of engineering.
For those who want to see how Curiosity will get down to the Mars, check out the above photos and captions for JPL's detailed explanation of each phase of the descent.
Are you watching the Mars rover landing?


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Sheraton - Downtown Memphis
Address: 250 N. Main St. Memphis, TN 38103 Phone: (901) 527-7300 Toll-free: (888) 325-3535
From I-40 West: Follow I-40 West toward Little Rock. Exit 1A at Second Street.
Ideally located in the heart of downtown Memphis overlooking the Mississippi River, the Memphis Marriott downtown is the largest hotel in Memphis with over 600 deluxe guestrooms, featuring 10 hospitality suites and high-speed Internet access.
Tennessee Vacation eGuide
The 2014 eGuide gives you instant access to Tennessee's irresistible attractions and destinations. Peruse venues online, then put in your order to get a free guide delivered to your doorstep.


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This plugin add the javascript code for Chatme.im mini a Jabber/XMPP group chat for your WordPress.
No reviews yet! Be the first to review this plugin!
You must log in to submit a review. You can also log in or register using the form near the top of this page.


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VIDEO: Duncan Coach's Show Week 9
With head coach Jim Holloway
- Multimedia
VIDEO: High-dive accident caught on tape
A woman at a water park in Idaho leaped off a 22-foot high dive platform, then tried to pull herself back up with frightening results. Fortunately, she escaped with only a cut to her finger.
VIDEO: Dog 'faints' from excitement of seeing owner
A reunion between a Pennsylvania woman who had been living overseas for two years and her pet schnauzer has gone viral, garnering nearly 20 million views on YouTube.
VIDEO: Foiled beach gear theft goes viral
Video capturing a bizarre confrontation with two women allegedly attempting to steal beach gear on a Florida beach has gone viral.
VIDEO: A boom in firework sales
This year could be quite the boom for fireworks sales across the U.S. According to the American Pyrotechnics Association, or the APA, sales are already off to a good start.
VIDEO: Manhole cover 'explodes' in Indiana
Recent heavy rains in Terre Haute, Indiana flooded the city's storm sewers, which built up enough pressure to blow a manhole cover off at Fairbanks Park.
VIDEO: New York passes bill to outlaw tattooing, piercing pets
New York lawmakers passed a bill on Wednesday that would outlaw the "unnecessary body modification" of animals such as tattoos and piercings for pets.
LIVE VIDEO: Hurricane Sandy approaches coast
Watch Livestream's 24/7 Sandycam feed as Hurricane Sandy approaches the coast.
VIDEO: Demon Locker Room Report
Duncan boys' basketball coach Mikel Davison talks with The Banner about his team's recent championship at the Heart of Oklahoma Tournament in Purcell, as well as the Demons' upcoming home game with Ardmore in the Cancer Awareness Game hosted by Duncan.
VIDEO: Duncan Lady Demon Locker Room Report
Duncan Lady Demon basketball coach Andrew McClung talks about his team's 2-2 record over the past four games — all on the road — and discusses the upcoming Cancer Awareness Game at 6 p.m. Friday against Ardmore.
VIDEO: Lady Demon Basketball Pregame Dance
The Duncan Lady Demons have come up with a new dance called "Jig-it-low" that they perform in the locker room before each game. This is from Tuesday, Jan. 25 at Lawton MacArthur.
- More Multimedia Headlines
- VIDEO: High-dive accident caught on tape


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Financial markets firms can no longer spend what it takes to compete in the "low latency arms race." The new reality demands high performance to be competitive with peers, but with an emphasis on upfront deployment and ongoing operational costs.
High performance is measured not simply in trading execution speed and round-trip latency figures. Those metrics remain a factor, but in a world where performance is measured not in absolute terms but against trading peers, the ability to enter new markets cost effectively and react to business changes – agility and flexibility – are just as important.
we also see financial markets caring less about latency and more about cost -including fx and equities - we hear common themes of, "good enough technology is good enough for us, we dont need to be the fastest"
great article by the way
Skype – mobsource Follow @mobsource Facebook – mobsource


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Basic Genetics
Catalog number: BIOX-250
Description: This exam measures knowledge and understanding of material typically taught in an undergraduate course in genetics for non-biology majors. The content of the examination corresponds with course offerings such as Basic Genetics or Introduction to Heredity. The examination assumes a familiarity with introductory biology, general chemistry, and algebra. The examination tests for the basic concepts and terminology of transmission, molecular, and population genetics and the ability to apply this knowledge to solving problems in genetics and to understand the societal implications of genetic technologies.
Exam Type: Multiple Choice
Credit / Level: 3.0 / Lower
Exam Fee: $95*
* Fee shown is for the exam only. Other associated expenses such as books and study resources, or travel, lodging, or providing any required documentation or background checks, are additional.
Find recommended books and study materials.
View, download, or print the Content Guide (PDF).
Practice Exam info: A practice exam is available for $25 - to register for a practice exam, you must first register for its corresponding credit-bearing exam.
Toll free:
888-647-2388 ext. 21
Email: email@example.com
Excelsior College Test Administration
7 Columbia Circle
Albany, NY 12203-5159
518-464-8777 fax
888-647-2388 ext. 166
Exam Registration
First, create your own free MyExcelsior account. Once you have created an account, you can register online for an exam. You may also register by calling toll free, 888-723-9267.
Please Note
Effective July 1st 2014 – Pearson VUE will charge a test administration fee when you schedule your appointment to test, additional fees apply for phone transactions (scheduling, rescheduling, and canceling). You will pay $50 USD to take two-hour exams and $60 USD to take three-hour exams.
If you are currently registered for an exam you must schedule your appointment (but do not need to take the exam) by June 30th 2014 in order to avoid the $50 USD or $60 USD administration fee.


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Your gift to help a hardworking entrepreneur will double in impact thanks to a generous World Vision partner.
Suren is from Armenia. He has 2 children. He needs a loan of $1,000 to purchase livestock.
Suren is from Armenia. He has 2 children. He needs a loan of $1,000 to purchase livestock.
Suren Hovhannisyan lives in Sevakar, Armenia where he is engaged in an agricultural business. Suren has the long-term plan of increasing the livestock and developing pig-breeding, but he doesn't have the sufficient finacial means.
With the World Vision loan's help, Suren will increase his income which will help him expand the business further. He will be purchasing livestock with the loan. Suren would like to develop agricultural other branches as well so will begin planning for that. The additional income will help Suren improve his family's living standards.
The Agriculture business sector covers all farming and livestock activities. Some entrepreneurs request loans to help in securing supplies and equipment. Others want to buy more animals to breed or purchase feed and medicines. The majority of our loan clients live in rural communities where agriculture is already understood as a business model. It is for this reason that approximately 50% of our loans are in the agricultural sector.
Armenians have their own distinctive alphabet and language. They have a history rich in culture and like to celebrate their heritage. After independence, the importance of agriculture increased. Worries of food insecurities rose during the first phases of transition. Farmers are still limited in their access to credit, markets, training, and new technology.
Located in the southern region of Armenia, Sisian has long, cold winters and cool summers. Traditionally an agricultural region, residents of Sisan were unwillingly involved in conflicts arising from the collapse of the Soviet Union in 1991. This conflict damaged the economy and the infrastructure as well as creating a heavy psychological toll for those involved.
Today, World Vision has enabled residents to begin addressing essential needs such as access to clean water, nutritious food, quality education, and vocational training.
Thank you for supporting a small business loan for Suren Hovhannisyan to expand his farming and livestock business where he raises agriculture. After receiving the loan from World Vision, he invested the $1,000 to purchase livestock.
Suren has been repaying his loan on time with his new profits. He makes weekly payments of $6.
In addition to repaying his loan, Suren is using his additional income to purchase food for the animals and expand the current business. Suren's 2 children continue to study in school.
Thank you for supporting Suren and World Vision Micro!


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Update: The operator of the vehicle that had crashed on north Main Street has been identified as Daniel Moore, 40, of Hampstead, N.H.
He was transported to Beth Israel Hospital with serious injuries, but is expected to survive. The cause of the accident is still under investigation.
SALEM, N.H. — An early-morning accident sent the driver involved to a Boston hospital via medical helicopter.
Police received a call at 2:36 this morning from a resident at 230 N. Main St., reporting a rollover on the lawn of their home.
Police responded and found the driver had been ejected and was lying on the lawn there.
Salem Fire took the victim, whom police did not identify, to Lawrence General Hospital. From there, he was flown to a Boston hospital. Police released no further details about his condition nor what might have led to the crash.
No other vehicles were involved.
The Salem Traffic Accident Reconstruction Team is investigating the incident.


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In the New Yorker, an essay by Gary Marcus on the ethical and legal implications of Google's driver-less cars which argues that these automated vehicles "usher in the era in which it will no longer be optional for machines to have ethical systems."
Marcus writes,
Your car is speeding along a bridge at fifty miles per hour when errant school bus carrying forty innocent children crosses its path. Should your car swerve, possibly risking the life of its owner (you), in order to save the children, or keep going, putting all forty kids at risk? If the decision must be made in milliseconds, the computer will have to make the call.Discuss
64 Responses to "Google's driver-less cars and robot morality"
SnowRaptor says:
In a driverless robotic car world, there would be proper communication protocols among the vehicles with set priorities and rights of way.
Redundancy and safety measures (such as speed limiting when safety/communication systems are not entirely functional) could drastically reduce the probability of such events and adequate protocols to deal with obstacles could avoid the need of taking such decisions.
Brainspore says:
In a driverless robotic car world, there would be proper communication protocols among the vehicles with set priorities and rights of way.
It's unrealistic to assume that a driverless world would happen overnight. For some period of time there will be fancy new driverless cars on the same roads as old fashioned human-driven cars. Hell, a lot of people still drive cars built over 60 years ago.
Spyro Poulos says:
Look there shouldn't be driverless anything in contact with people. Automated factories make sure humans are not within kill me horribly accident distance while they run. Automated drones? OK well they are made to kill people so exception there but seriously there is ethics and there is common freaking sense already. If a driverless car can malfunction and hit am manned one or even one with people without a human stopgap it is just a bad idea.
Dan Hibiki says:
As far as I see it, human drivers are infinitely more dangerous then robot driver. Robot drivers will at least check a blind spot before smashing in to a bicyclist/pedestrians/cars or drive drunk or exceed the speed limit or flip out on road rage.
The sooner we get the meat bags off the streets the better.
Dave Nullstein says:
You obviously aren't familiar with US car death statistics: http://en.wikipedia.org/wiki/List_of_motor_vehicle_deaths_in_U.S._by_year
fragmuffin says:
The fact that driverless cars will dramatically reduce the number of accidents is important to remember, but it will not eliminate them entirely. The question of responsibility in a driverless world is going to be an interesting one in those cases where the system fails. We may see civil cases where juries struggle to decide which automated system was at fault (including in no-win scenarios), assigning legal blame to the owner of the car, whose only crime was owning some equipment.
Jonathan Roberts says:
Or perhaps not properly maintaining it.
Ted Lemon says:
I think it's pretty clear that the estate of the decedent would sue the manufacturer if the car made a decision on the basis you propose. So I think this is not actually a case where computers need to be ethical.
What I really want is a computer that prevents the accident in the first place. This scenario is a rounding error compared to the lives an effective self-driving car would save.
petertrepan says:
Not to mention a human driver in the same position would probably plow into the bus before he was aware there was a decision to be made.
Brainspore says:
What I really want is a computer that prevents the accident in the first place.
We'd all like that, but it's clear that there will always be some number of accidents. We won't see widespread adoption of fully automated vehicles until it's clear who will bear the legal responsibility for those accidents, even if the overall accident rate goes down.
If you're injured or killed in an accident involving an automated car, who could be held liable? The car's owner? The manufacturer? The software developer? The government agency that approved the car for public roads? What happens when some unforeseen circumstance causes two automated cars to collide with each other?
These are important and complex questions we need to be asking (and answering) now.
nowimnothing says:
Exactly, too bad the article did not ask any of those questions in favor of mindless ruminations of the 3 laws.
Ted Lemon says:
Snrk. It's too bad that the legal system hasn't already trod that path with existing tech. When cars crash nowadays, it's mayhem, I tell you. Mayhem!
signsofrain says:
Robot cars are cool… I don't know much about how they work but it seems to me it'd be hard to build something safe and reliable. How does the car differentiate between a highway and a regular road? Can you trust the carbot on narrow mountain passes? Does it use GPS? What happens if the GPS reception conks out? What happens if you have a sensor malfunction? (what do these things use.. sonar? MMW radar…?) If the car can't get enough information about where it is, will it just stop dead? From what I've seen, Google's unmanned cars are advanced enough to drive around on regular roads, but what are the barriers for national adoption? (Technological barriers I mean – I don't have the chutzpah to even try wrapping my head around the legal issues – insurance companies are sure to get a huuuuuge shakeup when these things start being commonplace…)
Bevatron Repairman says:
I followed a Google robotic car in the East Bay a few months back. It had a driver, but he seemed to be hands off the whole time. Couldn't really tell any difference in the driving. Reasonable acceleration from a stop light. Generous breaking distance. Smooth lane changes. The only thing I did notice was that when it made a left hand turn from a four lane road (two each way) to another, it seemed to swing much more widely to the outside of the turn lane than the other vehicles. At first I thought something was wrong, but gathered that the vehicle was programmed to make sure the vehicle was running fully parallel with the lane markers before it cleared the intersection. Most people end up squaring up once they in the lane.
So, if anything, it was driving better (well, more precisely anyway) than the people around it.
jandrese says:
Most people are really bad about cutting off the corner on those left turns. When I follow the painted line around the corner my wife yells at me for taking the turn too wide.
David says:
I've noticed that people only get worse about following those left-turn-paint-lines the farther you're from a big city. Sitting in your own left turn lane when the cross bound traffic starts to turn left can mean cringing each and every time someone comes inches from your bumper. %*@)!!
Sanjaya Kumar says:
If you want to learn how the Google robotic car works, you can take this free online class at Udacity. It is taught by Sebastian Thrun, a Google Fellow and one of the lead scientists in the Google self-driving car project.
puppethead says:
I did, as well as the original free Stanford AI class taught by Sebastian Thrun and Peter Norvig prior to Thrun founding Udacity.
I learned a lot about how these cars work (software-wise) and a bit of which sensor technology used was discussed. GPS is far too inaccurate, but used for general location. The laser range finder on top of the car samples millions of points per minute and the software uses probability to determine where the car is at all times in relation to its surroundings. The cars actually look for the paint stripes on roads or the contrast difference between pavement and ground. We covered that in the courses, although Thrun has said they haven't been able to solve the snow-covered road problem yet.
The software (particle filters in particular) is surprisingly simple, so the processing overhead isn't nearly as mind-boggling as say, modeling weather. After taking these classes I'm of the opinion that robotic cars are way more predictable and safer than human-controlled ones. The key is in how they deal with unexpected stimuli.
Anyone who's curious should check out YouTube, there are a number of videos of these cars operating in heavy, arbitrary traffic in urban areas. The robots drive among us already.
KWillets says:
What's interesting to me is that it will no longer be optional for motorists to have ethical systems. The old/current days of "I didn't see him" or hit-and-run will be replaced by cars that stop the moment a pedestrian steps into a crosswalk.
John Fleming says:
As long as the stop isn't so sudden that it wakes me up, that's cool…
ocker3 says:
I don't want a robot car so I can sit there ready to take over if it fails, I want a robot car so I can eat, read, watch a movie or grab a quickie during transit
SamSam says:
Huh, it sounds like need some laws for robotics. Three laws, maybe. And make them impossible to circumvent.
Richard says:
This sounds more like the 0th law:
0. A robot may not harm humanity, or, by inaction, allow humanity to come to harm.
In other words, it's OK to harm a small number of people if that prevents a larger number of people from being harmed.
Or the "it's OK to kill Hitler" law.
cdh1971 says:
——–"it's OK to kill Hitler"———
No, no, no.
It's _not_ okay to kill Hitler. That would be time tampering and could get you committed to a Federation penal colony for a very, very, long time.
John Fleming says:
People have ethical systems. Robots have programmed instructions. Unless Google has equipped its cars with strong AI and not told us, this discussion seems odd.
The article touches on Asimov's Laws of Robotics, and mentions that they treat robots like slaves. Huh? My microwave has a safety feature that keeps it from running when the door is open. Is it also being treated like a slave? These are mechanisms, not conscious beings.
Mark Dow says:
IMHO we are mechanisms. We are somewhat more complex and self-reflective than your microwave oven, but it is a matter of degree not category.
Gilbert Wham says:
A reflective microwave oven would immediately self-destruct anyway.
John Fleming says:
IMHO, consciousness is a Thing, a real Thing, that all the mechanistic reductionists in the world cannot explain away. Explanatory Gap 4 Evah!
Mark Dow says:
Perhaps your microwave shares this opinion.
xzzy says:
Ethics never come into it. A human driver certainly isn't going to spend time weighing the merits of their own life over a bus full of kids, they're going to try and avoid a collision just as passionately as if it were a bus full of murderers. Or a giant boulder.
Ethics only become a factor after the scene has played out. If the driver dies because he wrapped his car around a tree we all applaud him for being a hero and saving kids, but that's not what happened. He just screwed up trying to survive an accident.
As others are stating, computers make it easier to avoid the situation entirely. Vehicles should be able to register their location and route automatically and other traffic will adjust to provide room. Obviously this requires all vehicles to be self-piloting, but the way I see it that's a foregone conclusion already. We're only a generation or two away from having people existing that have never had to drive their own car.
Mandating a code of ethics for computers is going to lead to a whole mountain of wrongful death lawsuits when the code makes the wrong choice. No programmer on the planet wants to risk being a scapegoat for that.
Boundegar says:
Very good point. I for one wouldn't need to calculate the exact number of children my life is worth (it's 4 or 5.) I would just say bad words and turn the wheel.
The reason this will never happen is because the first time there's an accident, the software company gets sued into oblivion. The lawyers would never let this proposal come to market. In fact, driverless cars are very unlikely for the same reason. They need a driver to blame.
Marc45 says:
Ethics really only matter if you survive.
cdh1971 says:
And if there are any witnesses.
jandrese says:
As I understand it, Google's cars never swerve to avoid accidents, apparently it was safer to just use the brakes every time.
I don have to wonder to what standard we are going to judge the ethics of these machines. Only asking them to be as ethical as your average human being seems like too low of a threshold.
xzzy says:
People who live in deer country preach the same thing. Swerving just sends you into the ditch and probably a very immobile tree. Hitting the brakes is still going to be pretty bad for deer and bumpers, but brakes are really good at soaking up energy and any collision that does happen is going to be significantly more survivable.
Of course, in moose country, they try not to talk about it. There ain't a passenger car out there that will survive a moose collision. So buy a truck with as much ground clearance as you can afford and hope for the best.
Gilbert Wham says:
So the story goes, a Volvo flack was once asked 'Why do you build such strong cars?' The answer was, apparently, 'Moose'.
AlexG55 says:
Sweden is moose country, which is why they have the "moose test"- all new cars sold there have to be able to remain stable while swerving at high speeds without braking. Even a Volvo won't survive hitting a moose.
You just have to hope the oncoming lane is empty for you to swerve into…
NelC says:
Now I'm imagining a crash-test moose dummy….
AlexG55 says:
I think the Swedish Road Safety Administration have built one…
Bad Juju says:
Sorry, it's not very exciting. Think 'pylons': https://www.youtube.com/watch?v=aZF8N9NItHI
ando bobando says:
Let's just be sure we all understand that computers only do what they are programmed to do. They don't make ethical decisions – their programmers do. And even if we did manage to make robots with that level of artificial intelligence, we wouldn't need them to drive our cars. A plain old do-what-we-tell-you robot will work just fine in this situation, as Google has shown quite well!
robcat2075 says:
Between a bus and a car, a collision is going to come out way worse for the car. Consider also that the people (children!) in the bus are riding quite a bit above where a car would hit. There aren't many situations where deciding to plow into the bus is even a self-interest one. If the computer car has any good sense it will do what it has to do to avoid hitting the bus, just for its own survival.
Jardine says:
In that situation, the person in the car is in danger in either case. If the car swerves out of the way of the bus, you're going into the other lane and you might hit someone else. If the car doesn't swerve out of the way, you're hitting a bus. You're probably better off swerving anyway unless something worse than the bus is in the other lane. Hopefully if there's someone in that other lane, they saw the bus go into the wrong lane and slowed down.
David says:
I'd imagine the big, heavy school bus will simply crumple up the aluminum Google car. It's not like they'll be placing these systems in 18 wheel tractor trailers any time soon. The system won't swerve and risk hitting another car. (But would it blare the horn?)
vrplumber says:
For the car to recognize the other vehicle as a school bus, wouldn't the bus also have to be fitted with a similar system so as to communicate its status, speed and trajectory to other vehicles.
If so, the accident probably wouldn't happen because both vehicles would be aware of each other well before coming into contact.
Rhyolite says:
I call BS. What percentage of traffic accidents involve any scope for ethical thinking? 1%? 0.1%? School bus accidents are a tiny faction of total accidents and most of those are not going to give a driver much choice about how to react.
When a human driver does have time and space to react, what percentage of the time are they going to make the "correct" ethical decision? How often is even clear what the "correct" decision would be to a human?
How likely is it even that a human driver would be paying sufficient attention? How likely would they be speeding? How likely would they be tailgating?
I posit that a machine driver with no more ethical thinking than following the speed limit, maintaining a safe following distance, obeying traffic rules and instantly applying maximum breaking if a collision is likely, will kill fewer kids on school buses than the most ethical human driver.
Ted Lemon says:
Yup. The article is essentially content-free linkbait.
fragmuffin says:
I don't think the question of driverless car ethics is going to come up in the foreseeable future. Presumably, we're a long way off from a comprehensive AI network that coordinates cars to execute a strategy that minimizes human loss.
Instead, we'll see cars using information from the environment and data from neighboring vehicles, and use a dumb local strategy to avoid hitting things. We can discuss emergent phenomena from that, such as an overall reduction in accidents, but ethical reasoning is not among those phenomena. Think bees protecting the hive, not soldiers protecting a fortress.
Now, it is plausible, without strong AI, for driverless cars to execute non-local strategies, but those decisions would have been made in advance by engineers. Cars would have to coordinate their information, consult a massive and detailed database of no-win scenarios, and execute predetermined strategies based on the ethical choices of the engineers. And since Google will not always hold a monopoly on driverless cars, that database would have to be a cooperative, standardized effort by all manufacturers. Technically, this is possible. Practically, it seems pretty far-fetched.
Edward says:
having all automated cars far fewer accidents will occur, ethical thinking or not. no drunk drivers no texting drivers, no drivers doing their nails. sounds great.
Gilbert Wham says:
Something awful and demented will happen. Probably in Florida.
Mister44 says:
I wonder if in my life time all cars will be robotically driven. If you want to drive your own car you would have to go to a special closed course for that sort of thing.
jandrese says:
I don't think they're going to outlaw human vehicle operation in my lifetime, even if robotic cars become the norm. There are just too many entrenched interests (and lawmakers are old nostalgic people) for it to happen. Maybe in 100 years when the people making the laws have only known robotic cars and most of what they know about human driven ones are that they make the news when they cause some terrible accident and people like to run them around racetracks still. Plus, given how long people hold on to cars it would be hard to be even majority robot controlled by 2040, especially if the robotic controls are expensive (they will be).
Look at the road today. There are still lots and lots of cars from the 90s out there, and a good number from the 80s. With the improvements in rust proofing and paint that were made in the 90s, in addition to better manufacturing of engines and transmissions, those 90s cars are likely to be around for many years still.
Carl Johnson says:
So there's one hypothetical, which might happen one time in 10 million. Here's another one: someone gets behind the wheel after too much drinking/drugging/distracted/whathaveyou. That happens tens of thousands of times a day. Shall we prevent the possible occurrence of the hypothetical, or should we let technology help us address the sad reality that too many people make idiotic choices every day that put ALL of us, not just the 40 kids on that pretend bus, at risk?
Harvey says:
It's a question of liability, not ethics. If the driver hits the bus, the "errant" bus was at fault. If the driver swerves to miss and hits the other bus that they didn't see, the driver is 100% liable. Sorry, but the law demands you hit the brakes and possibly the children.
andygates says:
It would brake. Swerving is bad. Braking might get the car behind you up your arse, but that's a much safer thing and hey, the computer already knows that car's proximity and has a hair trigger on the airbags.
Interesting that this strain of robotics is getting ethical thinking, while army bots get more and more killy.
Mathias Frank says:
These question if machines can "learn" the concept of ethics is still to be answered. And if that was the case, if they could execute this concept in extreme situations where several values have to be copared and a complex ethcal cosideration has to be made. I am very curious what we will learn about this in the future.
bkad says:
As others point out, humans in accidents like that described are not likely doing complicated ethical thinking, but are just trying to avoid the accident entirely. And I at least would not judge anyone making a snap decision between two bad outcomes.
As far as legal issues go, don't many US states already have the concept of 'no fault' accidents? [after wiki research: no, only 12 do, and usually only for minor accidents. But these are probably the majority.] These systems basically say, 'each insurance company covers its own client; no one even bothers trying to determine responsibility'. Probably driver-less car accidents could be handled by an evolutionary (not a revolutionary) expansion of no-fault insurance law. Some cases would come down to actual owner negligence (e.g., not maintaining brakes) or manufacturer defect (stuck accelerator pedals) but these would be edge cases.
Maybe I'm too optimistic, but thankfully this is not going to be an overnight transformation.
Jacob Ewing says:
The problem with this article is that the author seems to have a very science-fiction based concept of how robots work (Clearly demonstrated with his Asimov reference). The ability to control a vehicle, navigate, and do all of the other countless things that humans do when driving is completely separate from any ethics.
This is akin to saying that the auto-pilot systems used in airliners need to make moral decisions when a bird approaches their jet engines.
AlexG55 says:
An airliner still has to have a licensed pilot alert and sitting at the controls at all times, even if the autopilot is actually flying it. The Google car wouldn't have this (it would be fairly pointless if it did).
tom digenti says:
cant compare a bird to a bunch load of kids
tom digenti says:
I think legally, morally, whatever, you have to swerve; don't you?
Ignatz Homenez says:
I think we should separate the legal from the ethical from the moral. Only the law would really be at play other than in the minds of the people involved or in the media, community, etc. The law would come into play in a couple of ways potentially. The first is whether a criminal statute was breached. Was the driver (regardless of swerve and miss, hit, attempt to swerve and fail to miss, et cetera) criminally negligent? Or vehicular homicide or whatever criminal laws are in effect in the jurisdiction. If so, then the state may prosecute someone, whether that is the driver, the programmer, a company and so on, i.e. the criminally-responsible party. Not much changes, though it may be much harder to prove that a team of Google and Ford programmers was criminally responsible for an accident.
Let's say there is no criminal statute breached, then we're on to civil liability. Again, the most likely head of damages is negligence – your action or failure to act caused my injury in a way you could have reasonably avoided. But again you would have to prove negligence on the part of the programmers, the car, the driver, the bus, or some combination thereof.
I think it's entirely possible that most accidents which occur might not meet either a criminal or civil standard, leaving no one at fault for the accident. Good legislation could cure what ambiguity exists – we can readily imagine a social compact in the form of laws which essentially remove liability unless manifest negligence is found. We already accept that people are injured and die despite the best intentions of the engineers behind other safety mechanism like air bags, so it's really not that far a stretch to say that autonomous automobiles are themselves akin to this – a very remote risk of injury or death is simply part of the system we accept.
Finally, there are plenty of areas (depending on which jurisdiction you live in) where we accept injury or death without either criminal or civil penalty, e.g. law enforcement, standard error rates in surgeries, etc. I think we can solve this if the public and political will is there to create the right legal environment, assuming of course the tech is really that foolproof.
TL;DR: morals and ethics aside, only the criminal and civil law will really matter, which is a solvable problem by legislatures. The barrier is social and political will to a legal problem, not an ethical one.
traalfaz says:
Robots can not have morality. The people who program them have morality (or not) and are limited to what they can think of ahead of time. There have been systems that have been capable of programmatically saving or killing people for years now.
The reality is that even if a robotic car makes the wrong choice and kills people, that's regrettable, but it's almost impossible to argue that robotic cars won't save far more lives than they will cost. The average driver is so bad that it's just going to be better. Heck, it already is. I read earlier this week that Googles cars have now amassed hundreds of thousands of miles and have been involved with exactly one accident, which was deemed to be completely the fault of the other (human) driver.
ChickieD says:
I agree with all the above comments that these do not pose any ethical problems.
I am a huge fan of this technology. Where I live, there are a ton of older people on the road who should not be driving, and these robot cars are a game changer – I would prefer to be driving behind a robot car than an elderly person with poor vision and poor reflexes. I think the roads will be a million times safer when we all have robot cars.
Many years ago when the DC Metro system was launched, it had driverless trains. There was such an outcry about it that they had to add drivers into the system. I am worried that when the Google cars go to market, there will be a similar backlash, totally undermining all the benefits of automating cars.


text:
Edwin Durgy, Forbes Staff
The world's billionaires and how they got that way.
Most Forbes Billionaires change the world. Heirs aside, it's hard for them not to. To attain that level of personal wealth is impossible without starting something significant; no one gets there by spending their lives working for someone else. To identify a goal, act on that vision and achieve it - that ability is the essence of what all self-made billionaires have in common. Successful entrepreneurs engineer solutions.
And the world has no shortage of problems that need solving. As such, it should come as no surprise that many of the 2012 Forbes Billionaires are philanthropists of some sort, applying their entrepreneurial skills – and their immense fortunes - to the problems facing greater society. Whether they give to their alma maters or to the Robin Hood Foundation, philanthropists embrace the notion that with unfathomable success comes significant social responsibility. They take action.
Disease and debilitating medical conditions can affect anyone, regardless of wealth or social standing. Billionaires and their families are not immune to cancer, dyslexia or diabetes. Neither are their employees or the people in their communities. These afflictions are universal issues. Many Forbes Billionaires have personally taken up the fight against a variety of conditions, focusing their efforts on battling a specific ailment in hopes of changing the world for a second time.
Some, like Google's Sergey Brin, have been personally impacted by the medical conditions they target. Both Brin's mother and aunt suffered from Parkinson's disease. When Brin had his personal genome analyzed by his wife's private genetics company, 23andMe, he was found to have what is known as the G2019S mutation of the LRRK2 gene, a trait he shares with his mother. The mutation is associated with higher rates of Parkinson's disease, and gives Brin a roughly 30% to 75% chance of developing the condition at some point in his life. Besides changing his lifestyle – Brin has taken up yoga and diving to stay in shape – he has committed tens of millions of dollars to Parkinson's research, working with 23andMe on Parkinson's studies and the Michael J. Fox Foundation for Parkinson's Research.
Lesser known billionaires making an impact include Norman Braman, a Philadelphia native who made the billion-dollar club thanks to a network of car dealerships across Florida. Braman is funding the fight against an equally inconspicuous group of diseases: gastrointestinal motility disorders. GI motility disorders affect the ability of the muscles along the GI tract to move food through the system. Last year Braman gave $5 million to the Children's Hospital of Philadelphia to establish the Center for Gastrointestinal Motility. Said Braman, "Complex digestive conditions harm the physical and emotional well-being of many children, but GI research is severely undervalued and underfunded. We want to help families through this painful journey and offer children everywhere happier childhoods and healthier futures."
The LRRK2 mutation associated with increased risk for Parkinson's is G2019S, not G20195.
PAT McGOVERN established the McGovern Institute for Brain Research at his alma mater, MIT, dedicated to fundamental research into the wiring and function of the brain, with applications in understanding a host of neurological disorders, including psychiatric diseases, Parkinson's, Alzheimer's and ALS.
And of course ELI BROAD and his wife founded The Broad Institute just across the road, a world-class research institute in genomics, oncology and drug discovery research.
"philanthropists embrace the notion that with unfathomable success comes significant social responsibility" – I couldn't agree more and I think it is fantastic that some of the world's most powerful people are embracing that responsibility.
Enter Your Comment;
The best cure for all diseases is the simplest. I have found the simplest.
Here in Miami, Braman is known to be a political bully, using his money and his clout to influence political entities like the Dade Heritage Trust. He is behind the DHT's efforts to designate the old Miami Herald building as a historic landmark which would impede the renovation of the property. Braman has taken a stand against the building of a resort and casino on the site. He's stopping progress and preventing job opportunities in Florida.
Did Braman buy off the Dade Heritage Trust? Is that why they're making such an aggressive public stand against building a resort casino at the Herald site? What about the Miami Dade Commissioners? Why don't they stop the DHT? Oh, wait. Braman is putting together a slate for the Commissioners' seats…the best money can buy to support his agenda.


text:
- Lifestyles
Blood drive scheduled for Empire
Empire High School will host a blood drive conducted by the Oklahoma Blood Institute (OBI) will from 1-5 p.m. Wednesday, Dec. 11.
Each donor will receive a "FEEL BOLD" T-shirt, health screenings and Donor Rewards points, redeemable for items in OBI's online store. Any donor who wishes to support the Global Blood Fund can forgo theT-shirt.
Western classics scripted by art history
Catch a western classic at the Chisholm Trail Heritage Center as a free movie series begins this month with the 1962 John Ford film, "The Man Who Shot Liberty Valance" in the T.H. McCasland Jr. Experience Theater, 2 p.m. Sunday, Dec. 15.
CTHC's Andy Couch, associate curator and programs coordinator, said the western films relate to the permanent art collection displayed in the Garis Gallery of The American West.
"John Ford was strongly influenced by western artists and painters like Charles M. Russell and Frederic Remington." Couch said.
New's sculptures go on display
A Central High artist is getting an opportunity to show her sculptures to a wider audience.
Kathye New's work is being displayed in the Paseo Art District in Oklahoma City, having been formerly invited by another artist. The first of three shows ended Friday, but the next show is set to begin this month at another art gallery in the Paseo Art District.
4-H youth cook-off creates champions
Fifty-six Stephens County 4-H members and 18 Cloverbuds prepared their recipes for the 30th annual Stephens County 4-H Cook Off.
Dishes were judged on taste and appearance at the event, held Nov. 4 at the Stephens County Fair & Expo Center. Awards were presented to the top three in each category.
A monogrammed apron was presented to the first place winners, while second and third places received kitchen items. Cloverbuds (5-8 year olds) were given a certificate and measuring spoons.
Central High FFA generates $20,000 for chapter with student 'labor auction'
A crowd attended the annual Central High FFA labor auction last week with More than 250 supporters of the Central High FFA program attended the annual labor auction, a fundraiser for the chapter.
The high seller for the night was chapter President Deekota Williams fetching a nice $1,200 after the bidding was stopped. Sixty-three FFA members, as well as cakes and pies were auctioned with a grand total of $20,000 being raised for the support of activities for the FFA chapter.
The FFA chapter said they appreciate the wonderful support of the community.
Duncan Art Guild Fall Art Show entries
More than 30 artists entered the Duncan Art Guild Fall Art Show in three different categories.
Duncan High yearbook team proves they're 'smoking hot'
Deadlines, staff meetings and presentations are only a few of the reasons the Duncan High School Smoke Rings yearbook staff were awarded with Sweepstakes for the second consecutive year.
This year's yearbook "Smoke Rings" and newspaper "Demon Pitchfork" staff attended Fall Media Monday, hosted by Oklahoma Scholastic Media, on Nov. 4 at the University of Oklahoma. Staff members had their choice of various sessions to attend throughout the first part of the day, then awards were announced for the 2012-13 yearbooks.
Operation Christmas Child drop-off point set at FUMC
First Methodist Church is now a drop-off location for shoe box gifts benefiting Operation Christmas Child.
Boxes individuals or churches pack during National Collection Week, Nov. 18-25, will be received by the church. Operation Christmas Child uses shoe boxes filled with goodies to demonstrate God's love to children in need around the world and is the largest Christmas project of its kind.
DHS Band places eighth in OBA contest
Duncan High School Band's marching season is drawing to a close. And for its final contest, the band placed eighth overall, while giving what Band Director Jeramy Haas referred to as its best performance.
The band competed in the Oklahoma Band Association (OBA) contest Oct. 26 in Mustang. The contest featured 4A and 5A high school bands from around the state. And the DHS Band was one of the competing bands to make it to finals.
Davis given Valiant Woman award
If you've ever enjoyed a meal at First United Methodist Church, then more than likely, Betty Davis was behind the scenes.
From overseeing to cooking this and that, Davis serves many roles in the FUMC kitchen. Friday she spent preparing for and serving the members of Church Women United who were celebrating their third gathering of the year with World Community Day.
- More Lifestyles Headlines
- Blood drive scheduled for Empire


text:
Over and over for nine months, Saturday's game between Washington and Boise State has been called a rematch.
After closing last season playing each other in the Las Vegas Bowl – a 28-26 Boise State victory – Washington hosts the 19th-ranked Broncos at 7 p.m. at Husky Stadium to kick off the new season for each.
However, that's where the rematch talk should end.
The Broncos are different in many ways, making this game more a showdown between last year's Huskies and an altered Boise State group.
Of the 22 offensive and defensive starters listed on Boise State's two-deep depth chart from the Las Vegas Bowl in December, just nine remain.
The Broncos have elevated some players from second team to starters. They have changed the positions of others. They also have a large factor returning in defensive end Demarcus Lawrence, who was suspended for the bowl game. Lawrence was named first-team All-Mountain West after picking up team highs of 13 tackles for loss and 9.5 sacks.
Subsequently, the supposed strangeness of ending then opening a season with the same opponent is a little lost on Boise State coach Chris Petersen.
"In some ways for us, it doesn't feel weird because we're so new and so different," Petersen said.
Yet, Boise State is ranked 19th in the nation. That's in part based on expectations developed the past decade or so. Eleven-win seasons have become standard fare, if not disappointments, for the Broncos. They finished "just" 11-2 last year after their win over UW in Vegas.
To get back to that number of victories, the Broncos will count on the few holdovers they have, starting with quarterback Joe Southwick.
Southwick was a rock in Washington's shoe throughout the Las Vegas Bowl. He scampered around leaving the Huskies flailing and faltering. His rushing numbers were not gaudy, 11 carries for 39 yards, though were a large influence in the game.
"I think as a defense, we underestimated his mobility," Washington middle linebacker John Timu said.
Southwick had the inauspicious duty of replacing record-setting quarterback Kellen Moore last season as the starter. It's a bit like replacing the beloved king of Idaho.
The Prosser High graduate completed 69.8 percent of his passes during his Boise career. He threw 142 touchdowns and 28 interceptions.
Southwick had a stumbling start when he took the throne as a redshirt junior. He completed just 48.4 percent of his passes in last season's opening loss to Michigan State. By the end of the season, Southwick had his act together. Over his last three games, including the Vegas bowl, Southwick completed 73.8 percent of his passes.
"It's different (now)," Southwick said. "Very comfortable."
Part of his comfort comes from the return of redshirt junior Matt Miller as Boise's "X" receiver and senior Kirby Moore as the "H" receiver. Geraldo Boldewijn is Boise's third starting receiver, moving into a top-rung spot as a redshirt senior.
Defensively, safeties Jeremy Ioane – who intercepted Keith Price in the Vegas bowl – and Darian Thompson are back.
Despite the turnover, it would be nave to doubt Boise State. Petersen is 84-8 since taking over and 26-3 when having 10 or more days to prepare for an opponent. Win 26 came against Washington last time. He's been working for nine months since.
Uncomfirmed reports Thursday night said the Huskies will suspend starting tight end Austin Seferian-Jenkins for the Boise State game for his DUI arrest.
huskies' opponent this week
no. 19 boise state broncos
7 p.m. Saturday, Husky Stadium, Fox Sports 1, 950-AM, 102.9-FM
Coach: Chris Petersen (84-8, eighth season)
Against the Huskies: Series is tied 1-1.
Washington connections: Washington defensive coordinator Justin Wilcox coached at Boise State from 2006-09 for Petersen, and was on the staff that faced Washington in the Huskies' 24-10 win on Sept. 8, 2007. ... Boise State secondary coach Jimmy Lake coached at Washington in 2004 under Keith Gilbertson. ... Also, Petersen was on the Oregon staff when Wilcox and linebackers coach Peter Sirmon were playing for the Ducks.
Scouting report: Boise State is a blue-collar team that folds in trick plays and up-tempo offense. Quarterback Joe Southwick has good feet, and his accuracy increased as last season progressed. The Broncos have steady veteran receivers but will have to find a replacement for running back D.J. Harper. Harper was a hard-nosed back who racked up 1,137 yards and 15 touchdowns last year. The Broncos are also known for their gadget plays. In the Las Vegas Bowl, they ran four and converted two. One big one was when wideout Chris Potter caught a lateral from Southwick and hit Holden Huff for a 34-yard second-quarter touchdown. Defensively, Boise State starts in the back with veteran safeties Jeremy Ioane and Darian Thompson.
Did you know: The Huskies are 26-10 against current Mountain West Conference members.
PassingAttCompPct.Yards TDsINT
Joe Southwick24837164.82730197
Jay Ajayi825486.74
Matt Miller6676911.75
Trevor Hoffman4241.21
Field goalsAttMadeLg
Michael Frisina152034
*2012 statistics for leading returners
2013 schedule
Saturdayat Washington, 7 p.m.
Sept. 7Tenn.-Martin, noon
Sept. 13Air Force, 5 p.m.
Sept. 20at Fresno State, 6 p.m.
Oct. 12at Utah State, 5 p.m.
Oct. 19Nevada, 5 p.m.
Oct. 25at BYU, 5 p.m.
Nov. 2at Colorado St., 5 p.m.
Nov. 16Wyoming, TBD
Nov. 23at San Diego St., 7:30 p.m.
Nov. 30New Mexico, firstname.lastname@example.com blog.thenewstribune.com/uwsports @Todd_Dybas firstname.lastname@example.com


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Pella —
August 9, 2013
Karen Venhuizen
Karen Venhuizen
Karen Louise Klein Venhuizen, 71, of Idaho Falls, Idaho, passed away July 27, 2013, at Life Care Center of Idaho Falls of lung cancer.
Karen was born October 24, 1941, in Pella, Iowa, to Henry A. Klein and Esther DeWit Klein. She attended public school in Pella, later graduating from Central College with a Bachelor's Degree in Choral Music.
Karen married James R. "Jim" Venhuizen on June 1, 1963, at First Reformed Church in Pella, Iowa. She lived in Pella for twenty-one years before moving to Lincoln, Nebraska. After four years there, they moved to Idaho Falls, Idaho, where she spent the last forty-six years of her life. Karen was a homemaker, mother, and grandmother. She was a volunteer at her church, served on the Presbyterian Preschool Board, and was a Cub Scout Den Mother.
Karen was an active member of the Idaho Falls First Presbyterian Church. She helped with their financial records, and was the Clerk of Session for 15 years. She sang with the choir, and performed as a soprano soloist for numerous weddings and funerals. She also participated in local operas and choral groups. She enjoyed her grandchildren, singing, sewing, flower gardening, and AJ's love.
Karen is survived by her loving husband of 50 years, Jim Venhuizen of Idaho Falls; Son, Von Alan (Susan) Venhuizen of Lubbock, TX; two grandsons, Nicklas James Venhuizen of Lubbock, TX; Kuyper Alan Venhuizen of Lubbock, TX; Sister, Eileen (David) VandenBaard of Altoona, IA; Brother-in-law, Kenneth (Nancy) Venhuizen of Morrison, IL; Sister-in-law, Jane (George) Beckman of Bushnell, IL; Sister-in-law, Mary Venhuizen of Idaho Falls, ID.
She was preceded in death by her parents.
Funeral Services were held last Friday at the church, with Reverend Dr. Dennis Falasco officiating.
In lieu of flowers, donations may be given in Karen's name to the American Cancer Society, First Presbyterian Church Steps Project, Guardians of the Children – South Plains Chapter [PMB #180, 5815 82nd Street, #145, Lubbock, TX 79424], or the charity of your choice.
Condolences may be sent to the family online at www.woodfuneralhome.c


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Family Consumer Sciences & Human Services
News and Updates
State ProStart Invitational
More than 140 top ProStart students from across the state will participate in the annual ProStart culinary and management competition Feb. 21 in Springfield.
e-Learning Center
The new Missouri FCS e-Learning Center provides teachers with program information through a series of short podcasts. These short podcasts (between 7 and 15 minutes) present material on current topics and issues related to Family Consumer Sciences and Human Services programs.
Planning Tool for Implementation of Programs of Study
Download the planning tool for districts to use in the 10-step process of implementing Perkins Programs of Study.
Plan for Implementation of Programs of Study (fill-in PDF)


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Once in a while, a craft comes across my path, and my heart gets all tingly because the craft touches the cockles of my heart. This craft does that to me. These Story Stones by red bird crafts can be obtained by following her delightful tutorial in which she makes these particular stones to go along with a Mouse Picnic story. The possibilities are endless, and as ohdeedoh {where post was found} stated you can "Imagine them staying in family circulation for generations to come." { Found via Pinterest}
By Kristen Stephens
2 Comments so far
Emily on
November 17, 2011 8:37 pm
Thanks for posting about my Story Stones, Kristen! How lovely!
May 30, 2012 9:05 am
[...] Tell a story with story stones [...]


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Bachelor Degrees for Traditional Undergraduates.
Earn Your Master's or Doctorate at Judson.
Busy Adults, Finish Your B.A. the Convenient Way.
Call Judson Your "Home Away From Home."
Online Degrees for Graduates and Busy Adults.
Earn College Credit While You're Still in High School.
We appreciate your interest in the graduate programs of Judson University and the experience you bring to our classrooms. Students working on post-baccalaureate degrees provide a sense of focus and intensity to any campus. The enthusiasm of undergraduate students, mixed with the motivation of graduate students, creates an improved learning environment for all involved.
At Judson, we strive to offer innovative and distinctive graduate programs that meet the demands of today's workforce. Thus, we offer the Master of Architecture, Master of Business Administration (MBA), Master of Arts in Organizational Leadership (MAOL), Master of Leadership Ministry, Master of Education in Literacy, and Doctor of Education in Literacy programs. All of our graduate programs are "practictioner-based" programs for working adults who bring their experiences into the classroom at night and who take lessons learned into the workplace the next day.
Our world needs leaders, educators, and architects who cannot only make a living but also make a life. The values of Judson University and the faculty who engage you in the classroom will prepare you to make much needed change in our culture.
Please select a program from the menu to the left.
Judson University, Shaping Lives that Shape the World


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Hi everyone
Im a big guy that is trying to lose fat while gaining muscle (or at least holding it) I hit the gym pretty hard 4 days a week and have been getting good muscle gains, but I really need to start losing fat (I want to cut ? - sorry Im a n00b)
was my intake for the day. I am 34% body fat, 6 foot tall. I have calculated my maintenance calories is 3100, so I am aiming for 2100 per day for the 1000 cal deficit.
If anyone can give me advice or opinions I would greatly appreciate it
your fats are too low. Aim for 0.5g/lbm of fats. I would reduce from carbs and increase the fats.
Also stick to whole grains instead of the white bread.
ta mate, the white bread for lunch was a local fish shop that doesnt do wholemeal.
Interesting with the carbs, I didnt think I had that much, but it sure adds up.
well if you insist on the 2100 cal level, then the reduction would have to come from carbs. Since your bodyfat is so high, you can probably handle the 1000 cal reduction from maintence. However if you feel stregnth suffering and muscle loss too drastic, then I would up the cals.
So in summary, if you are sticking with the 2100 cals, then reduce the carbs a lil and increase the fats. Target your carbs pre/post workout and first thing in the morning. Other than that make all your meal Protein + fat meals.


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Review for Life's Spontinaity
Life's Spontinaity
(#) Geets 2007-02-12 04:52:56 AM
omg, that was so funny! very good, i really like it! hehe - zach was pretty hot to be fair
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NORMAN — Health care law is saving Oklahomans money and bringing transparency to the market
Human Services Secretary Kathleen Sebelius announced Thursday that 273,694 Oklahoma residents will benefit from $16,014,997 in rebates from insurance companies this summer, averaging $92 per family, thanks to the Affordable Care Act.
Nationwide, 77.8 million consumers saved $3.4 billion up front on their premiums as insurance companies operated more efficiently. Additionally, consumers nationwide will save $500 million in rebates, with 8.5 million enrollees due to receive an average rebate of around $100 per family.
Created under the Affordable Care Act, the Medical Loss Ratio standard (also known as the "80/20 rule") requires insurers to spend at least 80 cents of every premium dollar on patient care and quality improvement. If they spend an excessive amount on profits and red tape, they owe rebates back for the difference no later than August 1, 2013.
"This new standard is increasing transparency and accountability, promoting better business practices and competition among insurance companies, and ensuring consumers receive value for their premium dollars," said Secretary Sebelius. "Today's announcement shows that more Oklahomans are benefiting from the tools created under the Affordable Care Act to keep consumer costs down."
The law has motivated many plans to lower prices or improve their coverage to meet the standard. Other Oklahomans will see their value reflected through rebates later this summer.
Oklahomans owed a rebate will see their value reflected through a rebate check in the mail, a lump-sum reimbursement to the account used to pay the premium if by credit card or debit card, a reduction in premiums or by their employers using rebates to improve health coverage.
Insurance companies that do not meet the standard will send consumers a notice informing them of the rule The notice will also let consumers know how much the insurer did or did not spend on patient care or quality improvement, and how much of that difference will be returned as a rebate.
The 80/20 rule works, along with the required review of proposed double-digit premium increases, to stabilize and moderate premium rates. And, with new market reforms, including the guaranteed availability protections and prohibition of the use of factors such as health status, medical history, gender and industry of employment to set premiums rates, this policy helps ensure every American has access to quality, affordable health insurance.


text:
On Wednesday, October 24 at 1:00 p.m. Widener University will be presenting a plaque to Upper Moreland High School senior Gavin Lichtenstein. Gavin is the recipient of the 2011 High School Leadership Award.
This award, co-sponsored by Widener University and WCAU-TV/NBC10 is to recognize high-achieving juniors from regional high schools who have demonstrated academic excellence and character traits that mark them as potential leaders and future citizens of character. Selected students participated in a distinctive leadership experience at Widener University in the spring of 2012 that began with breakfast at the National Constitution Center where the recipients were recognized for their community efforts. Winners also receive a $20,000.00 scholarship awarded over four years should they enroll as undergraduates at Widener University.
Copyright ©2014 Planck LLC d/b/a Patch Media. All rights reserved | Patch Network


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August 2, 2014
GALLATIN, Tenn. (AP) -- A psychiatrist testified Friday that a mother charged in the deaths of her newborn twins did not know she was pregnant and suffered from shock from blood loss when she gave birth on a toilet.
Dr. William Kenner told jurors that Lindsey Lowe felt sick and thought she was going to die, but didn't realize she had given birth until she reached down and felt an ear.
Kenner said Lowe, who is now 26, fell to the floor afterward, hit her head on the floor and lapsed in and out of consciousness.
Under cross-examination, Kenner acknowledged that Lowe had told her mother she was OK, when the mother knocked on the bathroom door before she gave birth. Kenner also said that he had no idea how much blood Lowe lost.
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Wed Jul 30
Beaufort Art Association presents "SEAS and TREES, Paintings by Tom VanSteenbergh".
June 23 – August 2 The Lowcountry provides vistas of the sea in its many moods, and a deep historical connection. Estuaries, rivers and wetlands abound, and trees hug the shores of these waters. Sunrise and sunset, storm, fog and mist, and glorious sunshine make a grand demand: "Come on! Paint me!" The work of 70 other Lowcountry artists…
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Wed Jul 23
The Met: Live in HD Summer Encores
The University of South Carolina Beaufort Center for the Arts will present four The Met: Live in HD Summer Encores on the Historic Beaufort campus at 1 PM beginning July 7 through August 13. The Met Encores will include: Otello on July 7 , the Enchanted Island on July 14, Rigoletto on July 23, La Rondine on July 30, Romeo Et Juliette on…
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Sat Aug 02
U.S. Senator Tim Scott Hosts Honor Ceremony for Vietnam Veterans
US Senator Tim Scott invites all Vietnam War era veterans & families to special Honor Ceremony, 10 AM Sat., Aug. 2nd, First Baptist Church of Columbia, 1306 Hampton St., Columbia, SC 29201. Each veteran will receive Senatorial Certificate & pin. Keynote speaker: Maj. Gen. James Livingston, USMC (Ret.), custodian of Medal of Honor. Enjoy military…
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Sat Aug 02
Palmetto Running Company- Group Runs in Bluffton and Beaufort
The Palmetto Running Company Running Club currently meets on Saturday mornings at the Palmetto Running Company at 8:00 am for group long runs in Beaufort and Bluffton. All of our runs are open to everyone along with our coaching and training plans. Our goal is to keep you running and to help get you to your goal!!! See you on the road…
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Sat Aug 23
Upcycled Art Auction
Saturday, August, 23, 2014: Upcycled Art Auction, The Shed, Port Royal, 6:00 pm – 9:00 pm Save the Date- Lowcountry Habitat for Humanity is holding an Upcycled Art Auction to celebrate the tenth anniversary of its ReStore. Mark your calendars now for this "do not miss" event. All proceeds from the auction will benefit LowCountry Habitat…
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Mon Sep 01
Penn Center Hosts Island Cruzers Car Club Show
Please join us on September 1 at 11:00am for this car-centric Fundraiser! Penn Club, Inc. Fish Fry; Island Crizers BBQ Ribs & Chicken at 12:30pm Additional details to follow. Contact Information: Penn Center 843.838.2432; Island Cruzers 843.263.0654
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Mon Sep 01
Penn Center Hosts Labor Day Event
Please join us for the Labor Day Program on September 1, 2014, which begins at 11:00AM at the Frissell Community House. There will be special vocal performances by La Verne Harrison & Scott Allen Gibbs. There will be a special guest speaker: Dr. J. Herman Blake. Labor Day Festivities begin at 12:30pm and end at 4:00pm. A fundraiser Fish-Fry,…
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Mon Sep 01
Penn Center Hosts Labor Day Celebration ~ Gullah Geechie Bike Ride
Please join us on September 1 for the Gullah Geechie Bike Ride. There are three choices: a 25 mile ride - St Helena Island; a 50 mile ride - St. Helena and Hunting Islands starting at 8:30am. Contact information: Penn Center 843.838.2432; Island Cruzers 843.263.0654
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Fri Oct 03
20th Annual Beaufort Shrimp Festival
Please save the date for the 20th Annual Beaufort Shrimp Festival, celebrating local wild caught shrimp. The South Carolina Shrimper's Association partners with Main Street Beaufort each year to bring awareness to thousands of visitors and residents. The location of this celebration is the Henry C. Chambers Waterfront Park in the Historic…
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Sat Oct 04
SC Team Hope Walk for Huntington's Disease
Saturday, October 4, 2014 at Finlay Park 930 Laurel Street Columbia, SC 29201 All participants receive a free Team Hope Walk T-Shirt, enjoy good food & refreshments, & get the opportunity to raise awareness & funds for HD families in the area. Registration is $20 for adults & $10 for students. Huntington's disease is a devastating, hereditary,…
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- Northern New York Newspapers
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CANTON St. Lawrence County legislators at a committee meeting Monday approved a resolution in support of the St. Lawrence Psychiatric Center Task Force in requesting amendment of the state Office of Mental Healths regional centers of excellence plan.
The plan classifies the St. Lawrence Psychiatric Center as a regional hub. It would mean the removal of all adult and children inpatient services to facilities in Syracuse and Utica.
Legislators also fear a loss of jobs if the plan is implemented.
They support the task forces efforts to amend the plan to include the St. Lawrence Psychiatric Center as a northern center of excellence and in so doing, keep three inpatient adult wards and three inpatient youth wards.
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