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A West Bloomfield man has been ordered to pay $387K for conducting an elaborate investment scam that targeted seniors.
Michigan Attorney General Bill Schuette says 69-year-old Charles David Eizelman was sentenced to pay restitution to three victims following his guilty plea to one count of False Pretenses, $20,000 or more.
In a statement Schuette's office said in 2005, Eizelman orchestrated a complex scheme accepting money from unsuspecting senior citizens telling them he was placing their money in legitimate investments. For a period of time, payments were made and the victims were made to feel comfortable enough to "invest" more money into the scheme. But the victims contacted the Attorney General's office in August of 2010 when the payments stopped.
An investigation began and Eizelman ultimately pleaded guilty to the charges on August 22, 2012.
Along with an initial $100,000 that was paid at sentencing, Eizelman must also make additional restitution payments of $34,000 every four months, beginning July 1, 2013. He must serve five years probation with one year in the Wayne County jail.
The period of jail incarceration begins on the date Eizelman fails to make the required quarterly payment of $34,000.
Attorney General Bill Schuette encourages seniors to exercise caution before investing their money with those who promise exorbitant returns.
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Grace your table with elegance. This Reed & Barton Perspective flatware set is sure to make any place setting stand out.
- Smooth, polished finish and double bands lend a sleek look to any meal.
- Stainless steel construction promises timeless beauty.
- Service for 12 allows you to host large gatherings.
- Hostess set makes it easy to serve your favorite meals.
- Details:
- Includes: 12 salad forks, 12 dinner forks, 12 dinner knives, 12 table spoons, 12 soup spoons & 5-piece hostess set
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- Manufacturer's 25-year limited warranty
- Model no. 7952008
Promotional offers available online at Kohls.com may differ from those offered in Kohl's stores.
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subset: commoncrawl


text:
Lecture: "Nina Stritzler-Levine: Josef Frank: Design, Domesticity and the Modern Homeż
Date: Tuesday, October 18, 2011
Time: 06:00 PM - 07:30 PM
Time: 06:00 PM - 07:30 PM
Location: Museum of Craft and Folk Art, 51 Yerba Buena Lane, San Francisco
Web: http://creativearts.sfsu.edu/node/3231
Sponsor: Art Department
Contact: Consulate of Sweden San Francisco
E-mail: email@example.com
Phone: (415) 788-2631
Historian Nina Stritzler-Levine will discuss the work and life of Scandinavian design pioneer Josef Frank. The designer and architect emphasized comfort and informality, using bright, bold colors and floral patterns to produce whimsical designs inspired by nature, while many of his contemporaries took a severe approach to modernism. R.S.V.P. (required): firstname.lastname@example.com
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What's a marginalized minority party to do?
It's a key question for Republican lawmakers staring down a newly enshrined Democratic supermajority. Part of the answer so far seems to be a renewed emphasis on higher education.
Both Sen. Anthony Cannella, R-Ceres, and Assemblyman Jeff Gorell, R-Camarillo, have introduced a pair of bills that would freeze tuition at the University of California and California State University for the seven-year duration of the higher tax rates mandated by Proposition 30.
Since voters approved the tax measure last fall, the authors say they have a role to play in ensuring that an influx of new money from Proposition 30 is exclusively used for education. They say failing to do so would betray voters to whom the initiative was sold as a vehicle for averting more education cuts.
"A lot of people made a lot of implied promises to college students that everything would be OK if Prop. 30 passes," Cannella said. "If anyone thinks the state of California will just keep that money in a bank account," he added, "it's just not going to happen."
Democrats are more skeptical of Republican lawmakers' motives, given that they resisted putting such a measure on the ballot in the first place. Had it failed to pass, resulting cuts in higher education would likely have spurred a tuition hike.
"They're in a situation where they have been fundamentally irrelevant to most of the public policy discussions in Sacramento for quite a while now, and their first step to have some credibility is to say something in the public policy debate," said Democratic strategist Bill Carrick. "So what they've done, obviously, is say, well, people care about education, let's get out front on this."
The fact that Republicans went from opposing Proposition 30 to casting themselves as responsible stewards of the money it raised is a move born more of expedience than of principle, said Steve Maviglio, a Sacramento political consultant who worked for two Democratic Assembly speakers. He called the emphasis on higher education "a post-election gimmick."
"It's like they woke up the day after the election and decided they have a commitment to education," he said.
The focus on higher education was evident in GOP responses to Gov. Jerry Brown's budget proposal last month, which Brown trumpeted as a testament to the new-found fiscal stability Proposition 30 is set to provide.
While many Republican lawmakers praised Brown's budget, they also exhorted Brown and Democrats to ensure that the influx of new funding goes to schools.
In a written response to the budget, Republican Connie Conway, R-Tulare, called the tuition freeze bills an effort to "ensure that this revenue goes to boost higher education funding and prevent tuition and fee increases at our public colleges and universities, just as the voters intended."
In a follow-up interview, Conway affirmed that "we see our role as a watchdog."
"I believe that promises made should be promises kept, so if you're out there telling people 'if you vote for this to raise taxes then it's going to go to education,' then it should," Conway said.
Assemblyman Dan Logue, R-Marysville, has also introduced a pair of higher education bills. They would create pilot programs enabling students to obtain a degree for $10,000 and $20,000, respectively, an effort to hold down ballooning tuition costs.
"We're pricing kids out of a good education, especially the middle class," Logue said.
Democrats campaigned heavily for Proposition 30 on college campuses, mobilizing student voters by saying the ballot measure would prevent a tuition hike.
Logue is also promoting his measures to the young voter bloc, which had some of the highest turnout rates of any age group in California during the November elections.
In a recent press release, he said students have "some of the most powerful voices when it comes to getting involved in government" and called his bills "the beginning of a revolution to the very pressing issue of the rising costs of education."
The 2012-13 budget promised the University of California and California State University $125 million each in 2013-14 if Proposition 30 passed, and the schools agreed to hold tuition steady for 2012-13. Dianne Klein, a spokeswoman for the University of California, said the funding levels in Brown's budget should be enough to prevent a tuition bump this year.
Pushing to ensure that remains the case is one way for Republicans to exert influence when they otherwise have little room to maneuver, said Aaron McLear, political consultant and former press secretary to Gov. Arnold Schwarzenegger.
"They have limited leverage, no question about it," McLear said. "So I think they're using what power they have to try and effect change in the state instead of just curling up and moaning about being in the superminority."
Cannella did not publicly take a position on Proposition 30. But now that the voters have spoken, Cannella said, "the equation has changed." New revenues are coming, and that presents a chance for Republicans to make the most of their diminished status.
"On a political landscape in which support for education is measured predominantly by the amount of money you're willing to spend, Republicans don't get many opportunities to play the education issue to their advantage," said Dan Schnur, director of the University of Southern California's Unruh Institute of Politics. "By arguing about how the Prop. 30 money is going to be spent, they get a chance to look like the big guys."
© Copyright The Sacramento Bee. All rights reserved.


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Apple vs. Samsung: What's next?
The final outcome of the patent dispute between tech giants could take months or even years to resolve.
The verdict is in, but the final outcome of the patent dispute between Apple and Samsung probably will be fought in the consumer electronics market itself, and take months or even years to resolve.
A U.S. jury in California ruled that Samsung (SSGFF) infringed on six patents of the seven that Apple (AAPL) said its Korean rival had violated in devising smartphones to compete with the iPhone. Samsung has seen its devices become a runaway success among smartphone users --less costly and more flexible than Apple's iconic iPhones -- and the Android system on which the Samsung devices are based has seized half of the market for smartphone and tablet devices, leaving Apple with about 30%.
The $1.05 billion in damages awarded by the jury made headlines as one of the largest on record in such a patent dispute, and underscores the value of patents to companies that possess them. There has been a steady surge in the number of these transactions, such as Microsoft's acquisition of some 800 patents from AOL in a deal valued at about $1.1 billion, or Google's $12.5 billion purchase of Motorola Mobility (largely to capture the value of the latter's patents).
Looking for a great investment idea? You could do far worse than screen the stock market looking for companies whose market value and book value doesn't fully reflect the potential value of the patents in their portfolio. Or keep an eye on those companies who are accumulating a strategic mass of patents in their portfolios. These don't just include obvious candidates like Google, Samsung, Apple and Microsoft, but offbeat players like RPX Corp. (RPXC), a San Francisco company that some would call a "patent troll." RPX looks to snap up patents as a defensive move, to protect companies that are its clients from just such lawsuits as the Apple/Samsung battle.
As for that battle, the overarching question is what happens next? However large the $1.05 billion fine may appear, and while writing that kind of check is never a pleasant experience, it's not the fine itself that matters. Samsung is currently sitting on about $21 billion in cash, so even if the judge in the case triples the award, Samsung can afford it. Apple can request that tripling, given that the jury concluded Samsung's patent infringement was a willful and conscious act.
With or without that tripling, Apple stock is likely to shoot higher, what matters most for Samsung is whether its sales will take a hit -- whether the judge grants an injunction preventing its phones from being sold in the U.S. -- or how big a hit it takes if it has to roll out products that look different from the phones that have succeeded recently.
Samsung and other smartphone makers will have to exercise caution going forward to avoid looking like they are copying Apple. Their success or failure could have implications for the popularity of Google's (GOOG) Android operating system. While Android has rapidly risen to take a dominant share of the smartphone market, it is challenged not only by Apple (which has described it as a copycat version of its own system) but also by Microsoft's (MSFT) only modestly successful effort to make headway in the world of smartphone and tablet technology. The jury verdict may be a blow to the broader world of Android devices, and not just to Samsung. (Microsoft owns and publishes Top Stocks, an MSN Money site.)
In the short run, Samsung has pledged to appeal the verdict. In a statement released after the verdict, the company called the outcome "a loss for the American consumer" and said it would continue the legal battle. "It is unfortunate that patent law can be manipulated to give one company a monopoly over rectangles with rounded corners," Samsung said, adding, "This is not the final word in this case or in battles being waged in courts and tribunals around the world, some of which have already rejected many of Apple's claims."
Pending the results of Samsung's appeal, it would be prudent for it to start hedging its bets by finding ways to redesign its next wave of products so that they can't be viewed as violating these or any other Apple patents. That may be a tall order, but given that Samsung products based on the contested patents could be barred from the U.S. market altogether, it's probably going to be necessary. Samsung can use some of its own cash mountain to fund the R&D. To the extent that it can't -- or until it does -- Samsung products will become more costly either to consumers or to Samsung, depending on who pays the licensing fees to Apple.
Needless to say, the decision gives Apple an edge in what is likely to be a prolonged war with its rivals. But to exploit it fully, Apple will have to keep its own innovation engine firing on all cylinders, continually rolling out new iterations of the iPhone and iPad, and devising new gizmos based on the same kinds of technology. It also needs to pray that consumers continue to feel affluent enough to replace their iPhone 4 with an iPhone 5, 6, 7 and so on into the future. The latter is more at question than the former, given that Apple is expected to announce a new iPhone, and possibly other new products, early next month.
As the legal battles continue, Microsoft may still emerge as an intriguing company to watch. As mentioned, it is trying to stake out some ground in the mobile computing universe and has become an aggressive acquirer of patents. The Samsung verdict may make device manufacturers pay a bit more attention to Microsoft and its robust patent portfolio.
Android isn't going away any time soon, but Apple's focus on that front opens up an opportunity for Microsoft to exploit, if it is able to do so. It hasn't been so far. Microsoft still has to make its product as appealing to consumers as the Apple and Android systems currently are. But it hasn't given up the fight for mobile market share. In the meantime, it also offers risk-averse investors exposure to the vast panoply of Microsoft products, plus a healthy dividend yield of 2.6%. If you want to play the patent story on its own, sure, you can look at RPX. But Microsoft trades at about 15.3 trailing earnings (compared to more than a valuation of more than 17 times for RPX). If you want to hedge your bets on Apple, Microsoft may be worth a look.
Suzanne McGee is a columnist at The Fiscal Times. Subscribe to The Fiscal Times' FREE newsletter.
More from The Fiscal Times
- Apple Hits New High: Most Valuable Company Ever
- The Apple Economy: An Insanely Great Year
- IChildren: How Apple Is Changing Kids' Brains
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Writer/producer/director Eric Parkinson and writer/producer/star Vivian Schilling were behind this peculiar attempt to turn a pair of short films made for USC Film School into a horror anthology. It doesn't work, but is notable for having one of its segments directed by Stephen Sommers, who went on to make The Mummy and Deep Rising. A woman is compelled to write the screenplay to a horror film and goes on a camping trip (after dreaming a strange segment about a magical book), where other stories are related. The Sommers story concerns a petty criminal stuck in a time warp, while the other segment (directed by Michael Rissi) has a female chess player given a serious challenge when an evil game designer puts her into a deadly maze. The cast includes Lance August, Daniel Roebuck from River's Edge in dual roles, and Gina Hightower. Rissi returned to direct the marginally more interesting Soultaker, also from a script by Parkinson and Schilling.
by Robert Firsching synopsis
recruit [soldier]


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Rossi, GOP candidate for governor, to speak here
Dino Rossi, Republican candidate for governor, will be in Enumclaw Thursday to address the Citizens' Alliance for Property Rights.
The public is welcome to the session, which begins at 7 p.m. at the Enumclaw Sales Pavilion, 22712 S.E. 436th St.
A Seattle University graduate who worked his way through college as a janitor, Rossi characterizes himself as a "fiscal conservative with a social conscience." As evidence of that, the former state senator from Issaquah points to the no-new-taxes budget he helped craft in the Legislature.
The Enumclaw-based Citizens' Alliance for Property Rights was formed to battle the regulations placed on private property owners and to seek the election of candidates who share their views.
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Monday August 5, 2013 to Saturday August 17, 2013
Langston Hughes Exhibit with three drafts and final version of his poem, Cubes, is at the Oak Bluffs Library through August 17. Call 508-693-9433 for information.
Tuesday August 6, 2013 to Saturday August 10, 2013
African American Film Festival is August 6 through August 10. Registration and tickets are available from 9 a.m. to 4 p.m. at the Performing Arts Center at the Regional High School.
Pastimes Group Art Show of various mediums featuring Fran Dropkin, Nick Paciorek, Jeff P'an, Joan Rusitzky, Louisa Gould and John Holladay at the Louisa Gould Gallery, Main street in Vineyard Ha
Friday August 9, 2013
Bible Study with Rev. Douglas Holgund is from 9 to 10:30 a.m. at the Tabernacle in Oak Bluffs. Topic is Joy to Your World: How to be Filled with the Joy of Jesus - Part 2.
Painting with Renewed Enthusiasm is from 9 a.m. to noon. at Featherstone. Cost is $50. Call 508-693-1850 or visit featherstoneart.org.
Antiques Show is from 9 a.m. to 3 p.m. at the Grange Hall in West Tisbury. Free parking and admission. Call 508-560-0136.
Friday August 9, 2013
Introduction to Ferns, an in-depth study of Island plants, is from 9 a.m. to noon at the Polly Hill Arboretum, 809 State Road in West Tisbury. Continuation of August 8 class.
A Walk Through Imagination is on display at the Polly Hill Arboretum, State Road in West Tisbury. Potter Bill O'Callahan and puppeteer Robin Tuck collaborate for magical landscape tour.
Friday August 9, 2013
Harlem Fine Arts Show youth empowerment day exhibit and sale from 10 a.m. to 7 p.m. at the Martha's Vineyard Regional High School, 100 Edgartown-Vineyard Haven Road in Oak Bluffs. Free.


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Renewing Materials
Renewing materials
You can renew your materials online if the following conditions are met:
1. The materials are not overdue.
2. The materials can be renewed (some materials can be checked out for only one circulation period, or the materials may have already been renewed up to the maximum number of renewals allowed).
How to renew online:
1. Go to the library homepage: http://library.trevecca.edu.
2. Click on the "My Account" button.
3. When prompted, enter your name and barcode number.
4. Click on the "Checked Out Items" button. You should see a list of the materials currently checked out in your name. (You may have to scroll down the page to see the complete list.)
5. You can select individual titles to renew: click in the empty box next to each title you wish to renew and a check mark will appear. Then click on the "Renew Selected" button.
6. You can renew all the materials at once by clicking on the "Renew All" button.
7. If you have problems accessing your information or if materials cannot be renewed, contact the Circulation Desk at (615) 248-1214 for assistance.
Questions and Answers about Renewing materials
Q: My materials are overdue, so I can't renew online. What should I do?
A: Bring the materials back to the library. Once the materials are returned and you have paid the overdue fines, you can check the materials out again. However, if someone has placed a hold on the materials, you will not be able to check out the materials again until that person has a chance to check-out and use the materials.
Q: Can I renew materials by telephone?
A: If you live outside of Davidson County, we will renew your materials by telephone, even if they are overdue. You will still be responsible to pay the overdue fines which accrued up until the time the materials were renewed. Please remember that some materials cannot be renewed. For those materials, fines continue to accrue until the materials are returned.
Q: My materials are not overdue, but the system will not let me renew them online. What's wrong?
A: There are three possibilities:
1) You have already renewed the materials the maximum number of times they can be renewed, or the materials only circulate for one period and cannot be renewed.
2) Someone else has placed a hold on the materials because they also need the materials you have checked out. When there is a hold on library materials, those materials cannot be renewed and should be returned to the library.
3) There is a problem with the computer system which prevents you from renewing online.
For any of these possiblities, it is best to call the library at (615) 248-1214 for assistance.


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MODERN FAMILY - "My Funky Valentine" - Phil and Claire break from their traditional Valentine's Day dinner date and plan a little "role play" excursion. Meanwhile, Jay and Gloria's ideas of romance clash when he takes her to a comedy show, and Mitchell and Cameron play cupid for Manny, on "Modern Family," WEDNESDAY, FBERUARY 10 (9:00-9:30 p.m., ET), on the ABC Television Network. (ABC/ERIC MCCANDLESS) JULIE BOWEN, TY BURRELL
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SIOUX FALLS, S.D. (KELO AM) - With the weather improving, the city anticipates more residents making a push this weekend to clear their property of branches.
Director of Public Works Mark Cotter says if you're hauling branches to one of five drop-off sites, consider the lightly used 69th and Cliff location.
Cotter says the first debris pickup should be completed this week and there will be more runs. He says this will be a nice weekend to get more work done, more debris out between the curb and the sidewalk, concentrate and collect that debris.
Cotteer says large, Ceres trucks are working the streets and he advises motorists to give them room to work.


text: Spend a day learning about colorectal cancer prevention and treatment with a focus on its burden in western North Carolina. The Western North Carolina Evidence Academy plans a full day conference on Friday, March 12, 2010 at the Lake Junaluska Conference Center to explore issues of screening and advances in colorectal cancer treatment. There is no cost to attend, but registration is required. Registration deadline is March 5. Physicians, physician assistants, nurse practitioners, nurses, survivors and caregivers in Western North Carolina are invited to participate. CMEs and CEUs are available at no cost.


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Pureology Glossing Mist
We're sorry, Pureology has not authorized Folica to sell this product.
Pureology's Glossing Mist is an ultra-light mist that increases color dimension and creates luminous shimmering shine.
Nano Technology and Antifade Comples repair and protect hair.
Hold 10-12 inches away from hair and lightly mist.
Folica stands behind the authenticity of everything we sell. Since 1998, Folica has made it our mission to provide you with an outstanding selection of hair and beauty products at highly competitive prices.
Most Helpful Reviews
After being introduced to the Pureology line by my hairdresser, I fell in love!! These products are amazing and a little goes a long way. This spray is so light, smells great, and makes my hair soooo … Read More
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John Frieda Frizz-Ease Instant Touch-Up Glossing Spray
John Frieda Frizz-Ease Instant Touch-Up Glossing Spray adds a high-gloss, mirror-like shine. Applied to dried hair, tames frizz & static, smoothes split ends.New Price:


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That Crystal Site
A community empowered by the energy of crystal and minerals
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unlocking our potential
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Joined: 15 Mar 2010
Posts: 4
Location: nottingham UK
Posted: Mon Mar 15, 2010 10:24 pm
Post subject: unlocking our potential
i found this site by searching through google while searching for crystal links.
i hope to be attending mind body and spirit events this year promoting our charity the melissa foundation and giving people who have a love of spirit and crystals the opportunity to sell crystals in their home.
i think that working with crystals is hugely benefitial for finding self beneath all the dressings of the modern world, and for me at least crystals have been a great aid toward unlocking and shedding the prohgrammes and linking back into source and divinity.
i think the earth journey is a journey toward unlocking our fullest potential, and that crystals ar an invaluable aid in that process
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Joined: 15 Mar 2010
Posts: 4
Location: nottingham UK
Posted: Tue Mar 16, 2010 11:25 pm
Post subject:
This week has been a busy week so far, and already i have some plans to fly to India over the next couple of weeks and spirittrader starts to pick up speed with open days booked in and already full up
Crystals have interested me for the longest time, and it is exciting to be able to work with them in such a wide arena, sourcing crystals from mines, visiting suppliers and helping people to understand crystals better is something so close to my heart, i feel quite lucky to be in the place i am right now. And i feel that with spirit trader outreach, reaching out to so many people, giving them chance to sell crystals in their home in a party atmosphere, we're beginning to reflect how people are waking up more and more, everyday to crystal energies - seems almost that as the world awakens, her gifts to us allow that awakening process to knock on.
i think we've been awakening to 2012 for a good few years now, and ever since the New Year of 2007 / 2008 the wake up seems to be quickening at an ever faster pace - and indeed as 2010 dawned there was a huge shift in consciousness, releasing the old and bringing in a firm foundation for the future. What an awesome time to be awake, seeing the awakening happening all around us.
And being a part of that awakening couldn't be easier, allowing that awakening to unfold around us, and going with the flow, letting the energy envelop us and guide us to where we need to be.
That wave can be a powerful thing, as all positive change experiences, and finding myself caught in the wash of it as the new year arrived seemed to put me in a place that the universe seemed have to almost designed for me.
And for me crystals have always been a prime aspect toward the helping of finding the Self.
Setting people on course to sell crystals from their home, and guiding them through the process, seeing them hold parties and open to great opportunity is a great way to bring the keys to opening to spirit to more and more people.
First learn stand, then learn fly. Nature rule, Daniel-san, not mine:
Mr. Kesuke Miyagi.
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on line


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A Columbus woman has words of warning for anyone who uses dating websites.
She tells police she was raped by a man while meeting him in person for the first time.
Just before 10 p.m. Friday, police confirmed they made an arrest in connection to the Feb. 5 incident.
Corderell Deundrea St. George is charged with rape and false imprisonment.
Police provided WTVM with pictures of St. George that they said came straight from his online profile
In an interview, the victim said the trouble arose after she found the man on a popular dating website, and arranged a face-to-face meeting at her house.
She said things began innocently enough. They were playing cards and the suspect even appeared to be shy. Then out of nowhere, things turned to violence, and the woman said she found herself attempting to desperately escape her house. We're protecting the victim's identity due to the nature of the alleged crime.
"Because he raped me, he kept saying I was going to tell. And then I bit him. It was a big struggle. He choked me about five times. Every time I ran to the door to try and get out, he would grab me back - snatch me back - and choke me. If I didn't run out the door half naked to my neighbors, he was going to kill me."
The woman's neighbors escorted her back into the house to confront the suspect, but he escaped out a back door and left the scene on foot.
This incident serves as a lesson to anyone who has plans to meet someone on an online dating site.
Here is some advice from the experts:
-Always make sure you are in a public place if you are meeting for the first time.
-Tell a friend about your plans, and keep a cell phone nearby.
-Avoid drinking and make sure you are driving your own car so you are not dependent on a ride.
In this reported situation, the victim met the suspect alone at her house. There were several locks engaged on the front door that made it difficult for her to escape quickly when things got ugly. The victim said she struggled free, and made it to the door several times, but that extra few seconds it takes to undo the lock was enough to let the suspect catch up to her, and pull her away.
Copyright 2014 WTVM. All rights reserved.
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Huntsville, AL 35801
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Name: Franchon
Considering Franchon as a baby name?
Below you find information gathered from our name survey where we asked people named Franchon if they like their name. Parents can use this feedback when considering Franchon as a baby name.
In total 3 people used the name survey for Franchon.
Would you advise parents to name their baby Franchon?
3 Responses
Do people often mispronounce the name Franchon?
3 Responses
Tip: It can be irritating and stressful if people have difficulty reading your name. Therefore, try to choose a name that is easy to pronounce. Read more »
Do people often misspell the name Franchon?
3 Responses
Tip: Names that are difficult to spell can be a stumbling block for a child when they have to explain it's spelling repeatedly. A name with an apparent spelling is better. Read more »
Is Franchon easily pronounced in other languages?
3 Responses
In our rapidly globalizing world, children will come in contact with friends, co-workers or family from other countries. Thus, it is advisable to choose names that are easy to pronounce in other major languages as well as your own. Read more »
Descriptions on how Franchon can be used for name bullying
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E.L.F. • Studio Shimmer Palette • Highlighters
(58 reviews)
|Average Rating.
|Would buy this product again.
*TOP REVIEWER* yankeerose on 4/24/2014 12:26:00 AM more reviews by yankeerose
Age: 44-55 Skin: Normal, Fair-Medium Hair: Blond Eyes: Other
I have one in my makeup bag in my purse, one in my travel case and one in my everyday makeup stash...its that good.
I have 2 of the ambient lights, they are lovely but just don't last longer than a few hours.
I have benefits highlighters, they do last, but I feel they are too expensive for what you get.
I have Dior pallet, in the bronze shades...nope doesn't work for me.
I have BB's shimmer brick...disco balleramma.
This little $3.00 pallet is exactly what I was looking for. The colors are easy to use, if you are using a pink/rose blush, use the pink highlighter. If your using peach/coral blush, use the peach highlighter, if using only bronzer, stick with the pale bronze color. And the white color is perfect for the inner eye area. These are very creamy, blend like a dream. They do not have glitter, but they do have very fine sparkles. They last all day, no need to truly touch up unless going straight out after work. I use these on the outer tops of my cheekbones in the classic "C", also on my cupids bow, and inner eye area. I knew this was a true winner when people at work were commenting on how well rested I looked. Hey, these are 3 bucks, if you haven't tried this, give it a go. sometimes I see them at target, but I usually order on line from ELF website, they always have really good sales promotions.
3 out of 3 people found this review helpful. Was this review helpful to you? Yes No
MollieS on 3/29/2014 4:51:00 PM more reviews by MollieS
Age: 30-35 Skin: Combination, Medium, Neutral Hair: Red, Wavy, Coarse Eyes: Green
I have this and its not a go to item for me. I have other makeup that works better and doesn't look so stark. I've tried blending this out, building it up, using just a touch and nothing is working for me so its not something I recommend. Very shimmery and almost fine glitter.
1 out of 1 people found this review helpful. Was this review helpful to you? Yes No
*TOP REVIEWER* addied on 3/25/2014 12:33:00 PM more reviews by addied
Age: 19-24 Skin: Sensitive, Fair, Warm Hair: Blond, Wavy, Medium Eyes: Brown
Brought it a while ago but haven't used it much. I suspect it's because I'm not digging the fact that the palette doesn't blend well at all on my skin.
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sandracruz on 2/16/2014 2:21:00 PM more reviews by sandracruz
Age: 25-29 Skin: Combination, Olive Hair: Black Eyes: Black
Cheap, effective, fair pigmentation.
Texture of a butter, spreads and blends well. Dries on its own, doesn't move.
Good for daily makeup.
Not for flash photography, horrible. It gives white cast.
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WendyTran on 11/14/2013 7:31:00 PM more reviews by WendyTran
Age: 18 & Under Skin: Combination, Medium, Warm Hair: Black, Straight, Fine Eyes: Brown
WOW! I am really amazed with this product. I own a looooot of highlighters (Yes, I love them:P), and I really appreciate this one.
-The price : 3$, and you get 4 different colors.
-The packaging is super secure and convenient. Not difficult to open nor to close.
-It comes with a mirror, and a little brush. I find the the brush is very useful to highlight tear-ducks : It more precise and works better than using fingers.
-The lasting power is great: For me, it lasted me all day long, unlike powder highlighters. However, it does fade, but the product is still there at the end of the day
-It blends easily
-It is not overly shimmery, like the Shimmering facial whips. So , it looks quite natural
-its so SMOOTH! I was quite surprised the first time I touched it: so creamy! :)
-No smell
-Even though there are 4 colors, I find that they look very similar. In the pan, they do not, but you cannot really tell a difference on the skin.
In comparison with the ALL OVER COLOR STICK and SHIMMERING FACIAL WHIPS (from ELF too):
First of all, the shimmering palette is as longlasting as the stick. But the application is better. They are both easy to blend.
Then, the palette contains wayy less shimmers than the facial whips, so for me, I think it looks a lot better. The texture is better too.
4 out of 4 people found this review helpful. Was this review helpful to you? Yes No
bee95x on 4/14/2013 4:18:00 PM more reviews by bee95x
Age: 18 & Under Skin: Combination, Tan Hair: Brunette Eyes: Brown
When I read about this I thought it would be a great palette to buy and given the price, it seemed too good to be true. However, after using it my views changed. It's almost like the shades melt away... it's really weird. Plus, not all the colours suit every skin tone - for example, the silvery/white shade is way too loud for someone with tan skin.
The palette can supposedly be used for the lips as well. It looks highly unflattering when I tried. I would rather purchase separate shimmery colours than go for this. Plus, the brush they provide is horrible. No wonder they've just tossed it in with the palette. Of course, each to its own. Try it out for yourself - but I would not recommend it.
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elles143 on 4/3/2013 5:19:00 PM more reviews by elles143
Age: 25-29 Skin: Combination, Fair-Medium Hair: Black Eyes: Brown
I bought this because it was dirt cheap and I like how it came with 4 colours so I could experiment with highlighting.
I would say this product is decent but to be honest, it didn't do a lot for me. I found it to be a little too slick and I didn't really get the look I was looking for with this. Also, all the colours ended up looking the same on my face, which negated one of the initial reasons I had purchased this.
If you're on a budget and need a basic and a shimmer that isn't obviously shimmery, this will probably work for you. I now prefer powder highlighters but if I use a cream base, I go to my Joe Fresh cream highlighter in "Champagne".
1 out of 1 people found this review helpful. Was this review helpful to you? Yes No
lmhamner on 3/4/2013 5:40:00 PM more reviews by lmhamner
Age: 25-29 Skin: Normal, Fair-Medium, Neutral Hair: Brunette, Medium Eyes: Brown
I love to use this as a highlighter. It is definitely a great deal. How it wears and the consistency is exactly like Urban Decay's urbanglow cream highlighter! I have the UD highlighter in Sin and the only difference between that and the ELF product is the color. I like that the Sin has more of a warm, golden color. The colors in this palette are a bit lighter and more cool-toned and there is not a significant difference between any of the colors. I wish ELF would come out with a warm-toned version of this palette!
1 out of 1 people found this review helpful. Was this review helpful to you? Yes No
*TOP REVIEWER* Ancatje on 2/24/2013 4:39:00 PM more reviews by Ancatje
Age: 19-24 Skin: Combination, Fair, Warm Hair: Brunette, Relaxed, Fine Eyes: Hazel
ELF products are more misses than hits with me, but this shimmer palette is definitely a hit!
I am so impressed with this. You CAN see the subtle differences between the shades, unlike previous reviewers said, and we're talking even on my paler than pale skin. It's very creamy and easy to work with and it's a great multi-task highlighter for face & eyes, and even collarbone for example. On eyes I would only recommend them over a good primer though, otherwise they would crease because they are so creamy. There's no glitter in here, just fine shimmer, so it looks as natural as a product like this can do.
Only thing is, I don't think this would be suitable for darker skinned women - I have a feeling all shades would look quite ashy.
2 out of 2 people found this review helpful. Was this review helpful to you? Yes No
sweetandpetite on 2/13/2013 12:47:00 PM more reviews by sweetandpetite
Age: 25-29 Skin: Combination, Fair-Medium, Warm Hair: Brunette Eyes: Hazel
So I just received this product in the mail from E.L.F.'s website and all I can say is WHERE HAS THIS PRODUCT BEEN ALL OF MY LIFE!? I recently wanted to get into using a highlighter to brighten my face and after swatching every highlighting product you can imagine over the past two weeks, I have found that this is my HG hightlighter! Based on reviews off of here I tried Nars "Albatross" (too gold on my yellow undertone skin and too powdery), Smashbox "Softlights" in shimmer (too ruddy/pink and powdery), Benefit "High Beam" (too pale pink and messy), MAC "Soft & Gentle" (too fake, dark, and shimmery for daytime). BTW, almost all of these have a price tag of almost $30 that I was willing to pay, but this is by far the best highlighter, and it's one tenth of the cost at only $3!
It gives you a dewy fresh glow with NO glitter, it isn't powdery, which means it doesn't rub off. ( I found with Nars and Smashbox that I had to apply many swipes of the powder to get the same glowing effect that I get with just a little of this product). The super lightweight creamy formula is so easy to blend, you can't mess it up, start off with a little product and you can always build on it, a little goes a long way.
There are 4 shades in the palette and, as others have mentioned, when you mix them all together they look the same. On their own, I find that the two middle shades work best for everyday on my fair-medium yellow undertone skin. They give you the perfect NATURAL "glow from within" look! The first shade on the left is white, and similar to and even better of a light "candlelit" effect than Benefit's High Beam. This is great for a more intense nightime highlight (think Morticia Addams, in a good way!). The pink shade on the end is the most pigmented of all of them, if mixed in with the other colors, it is fine for the daytime, but on it's own it is very very pink, I didn't know what to do with it until I recently found if I rub just a little on the apples of my cheeks over my cheek stain it adds a pop of dewy pink glow, very pretty and fun!
The packaging is brilliant. The compact itself is black, sleek and thin so it doesn't take up any extra space and it's very easy to open. Also a plus that it comes with a mirror when you want to go into the light by a window to see how much to put on if you're going to be outside and don't want it to look too strong. It comes with a brush but I find the best way to apply this is with your index finger. Just rub a little on whichever color(s) you want and then blend into the areas you would like to highlight.
My make-up routine right now in the middle of a dry and cold Buffalo winter season is to moisterize, apply primer, concealer, cheek stain, and then this highlighting product just above my cheeks, then a light bronzer all over my face (the highlighter still shows through under powder, but sometimes I'll add a little more over it at the end). I finish it all off with E.L.F.'s High Definition Powder (see my review on this product soon to come!) to make everything look airbrushed and to control my t-zone oiliness.
On a final note, the very best thing about this product is that when I get out of work at 5pm it is still on! This is going to be a must-have, must-use everyday, staple product for me. I've already gotten compliments about how great my skin looks! Again....where has this product been all my life!? :-)
12 out of 12 people found this review helpful. Was this review helpful to you? Yes No
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This Christmas: Save Time, Save Money
Harshit is a member of The Motley Fool Blog Network -- entries represent the personal opinion of the blogger and are not formally edited.
Dollar General Corporation (NYSE: DG), formerly known as J.L. Turner & Son, is a chain of variety stores which offers both brand and generic merchandise- including off-brand goods and closeouts of name-brand items – in the same store, often on the same shelf. The company has experimented with more than 10,000 stores in 40 states that carry a greater selection of grocery items and has reported revenue of $14.8 billion.
Prospects of the Company
Over the past 12 months, Dollar General generated $531.5 million in cash while it booked net income of $927.8 million implying conversion of 3.3% of its revenue into Free Cash Flow. The company is generating employment by opening two more stores one in Madera and the other in Chowchilla by the next spring with an objective to provide outlets in convenient locations in order to serve their customers and also following the strategy of expanding its product line by entering into the tobacco market.
Although the emerging market conditions do not favor the stock of Dollar General, it is expected that the stock will getting a bounce from oversold levels right now and that should continue for a while longer.
Measurable Aspects
Despite being under pressure the company is constantly increasing its $1 items which represent approximately 30% of Dollar General's collection, and by the end of the fiscal third quarter the Company remained cautious and posted a bigger-than-expected increase in profit to $207.7 million or 62 cents per share from $171.2 million or 50 cents, a year earlier. Where the earnings rose to 63 cents per share after adjusting for secondary offerings and debt amendments fees, the sales jumped by 10.3% to $3.96 billion.
Competitors in the Industry
Dollar Tree (NASDAQ: DLTR), a chain of discount variety stores that sells every item for $1.00 or less, operates through approximately 4,400 stores in 48 states. Dollar Tree's stores provide consumable merchandise in various forms for seasons like Easter, Christmas as well for non-seasonable occasions. However, Dollar General's strategy to cover geographically the masses by opening stores all around the 40 states, take them to an advantageous situation.
Family Dollar Stores (NYSE: FDO) is a self-service retail discount chain offers merchandise assortment including household consumables, clothing products and seasonal and electronic products primarily targeting low and middle-income consumers. Family Dollar reported revenue of about $8.5 billion and is not actually a dollar store as it offers approximately 90% of its assortment at less than $10 instead of one dollar.
To surpass the other dollar stores existing in the industry, Dollar General is keeping the consumers together to win its market share in terms of consumables and perishable items. The strategy of Dollar Tree by offering all items for $1 or less is aggressive and could manage them to report only 1.6% growth. With a 16.4 P/E ratio the company appears more favorably priced compared with Family Dollar's 18.4 and Dollar Tree's 15.6.
Take Away Advice
Although Dollar General's share price has fallen since July because of a cut-down in sales and earnings, it is expected that the company's investments and strategies will bounce back and will reap benefits in the long run. It is advisable to investors not to lose patience on the basis of the current downfall as the company expects sales to rise by 8% to 8.5% this fiscal year resulting in fiscal-year profit of about $2.82 to $2.85 per share. Thus buying shares for the long term will serve shareholder well.
harshitm has no positions in the stocks mentioned above. The Motley Fool has no positions in the stocks mentioned above. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy. Is this post wrong? Click here. Think you can do better? Join us and write your own!


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Area Information
On the northeast coast of the Iberian Peninsula, Barcelona looks toward the Mediterranean Sea. It is bordered by the Collserola mountain range, and the Llobregat and Besòs Rivers. The city is 120 km (75 miles) south of the Pyrenees, and the Catalan border with France. Barcelona is the capital of Catalonia. It is the second largest city in Spain, falling behind only Madrid. It is also the sixth-most populous urban area in the European Union after Paris, London, the Ruhr, Madrid, and Milan.
Business Information
Barcelona's economy is tied to tourism, trade fairs and conventions, and cultural/sporting events. It is also influenced by commerce, education, entertainment, media, fashion, science, and the arts. There are many options for office space in Barcelona. This global city is a growing financial centre, a transportation hub, and one of Europe's principal ports. As an important European automobile manufacturing centre, Barcelona is the headquarters and home for a large factory of SEAT (the largest Spanish automobile manufacturer). Nissan (car manufacturer) and Derbi (motorcycle manufacturer) also have factories near the city.
Entertainment And Dining Out
There are many museums in Barcelona, including The National Museum of Art of Catalonia. This museum offers Romanesque art. The Barcelona Museum of Contemporary Art focuses Catalan and Spanish art created after 1945. Listed as one of the top ten beaches in the world, Barcelona beach is actually seven beaches, which together total 4.5 km (2.8 miles) of coastline. Sant Sebastià, Barceloneta, and Somorrostro beaches are the largest, oldest and the most-popular beaches in Barcelona. Restaurants in Barcelona include Cafè Zurich - offering outdoor seating in the Plaça de Catalunya, Escribà incredible pastries and chocolate, and Speakeasy a little hideaway situated behind the Dry Martini. Here you might choose mozzarella from southern Italy, served with white asparagus hearts and strips of cured ham.
Transport Information
The Barcelona-El Prat Airport is situated 17 km (11 miles) from the centre of Barcelona. It is the second-largest airport in Spain, and the largest on the Mediterranean coast. This airport is the main headquarters for Vueling Airlines and is a hub for Iberia and Air Europa. The airport is connected to the Barcekiba by highway, commuter train (Barcelona Airport railway station), and scheduled bus service. Public transportation in Barcelona includes metro, bus, two separate modern tram networks, a separate historic tram line, and several funiculars and aerial cable cars. Getting around the city is pretty easy using this network.
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A version of the strong and hearty Olaf, Ola lacks the ferocity and masculinity of the full-versioned original.
- Scandinavian: Ancestor's relic
Syllables: 2
International Variations:
Famous Namesakes:
Football player Ola Dagunduro
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Learn More About Working at CBO and the Agency's Career Opportunities
November 7, 2008
Today CBO released the Monthly Budget Review.
In fiscal year 2008, the federal government recorded a total budget deficit of $455 billion -- $293 billion more than the deficit incurred in 2007. As a share of the nations gross domestic product (GDP), the deficit rose from 1.2 percent in 2007 to 3.2 percent in 2008. That increase in the deficit of 2 percentage points of GDP reflected both a reduction in revenue (which declined by 1.1 percent of GDP) and an increase in spending (which rose by 0.9 percent of GDP).
Today's report also includes CBO's first preliminary estimate of operations thus far under the Troubled Asset Relief Program (TARP). In October, the government disbursed $115 billion under the TARP to purchase preferred stock in eight large banks. In CBOs view, the equity investment and associated warrants should be recorded on a net present value basis, accounting for market risk, as specified in the Emergency Economic Stabilization Act. CBOs preliminary estimate of $17 billion for the present value cost of the TARP equity injections is included in our estimate of $134 billion for the October deficit. CBO anticipates, however, that the Treasury will report the stock purchases on a cash basis; as a result, CBO estimates that the Treasury will report the October deficit at $232 billion (which is $98 billion, or $115 billion minus $17 billion, larger than the deficit using the net present value figures).


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Caring for the Elderly
Let's Talk About It
Topics: Christian Living, Ethics, Marriage & Family, Sociology
Hi Mr. Colson,
I completely agree with you about taking care of relatives. I work in a nursing home and it is so sad to me that few family members even visit. I feel like there was something missing from your article though. What about those without family? The Bible calls for us to take care of widows and orphans. It seems to me, though, that the world puts a time limit on how long we ought to care for them. Where is there a time limit in the Bible?
our society
our society puts money first. we are obsessed. justice and decency will not happen until JESUS comes and sets up a cash free society. then these problems and all the others will be nonexistent.
then every family has a home, auto, necessities, job. and they don't use cash to get this. a day care worker will take care of people needing care. mosy billionaires will have to be raptured. every wife with underage children will not work a public job. banks will be obsolete. i have a essay i mail out freely. the rich getting richer and the poor getting poorer will be eliminated.
I appreciate Suzi pointing out that in spite of some people's judgmentalism, these things can be complicated.
My mother had ALS. Despite my being single, working full time, and not getting a lot of help from anyone else, I managed to keep her home quite a bit longer than people thought I could.
Even so, I felt horrible when we had to acknowledge it was time for a nursing home. My mom had to comfort ME and assure me that I had done right by her.
That's an important point Suzi made: In a situation like ours, the most caring and compassionate thing I could do was make sure my wonderful mother got the care she deserved.
Make no mistake, I saw plenty of elders at my mom's nursing home who clearly had been dumped and abandoned, and it made me sick. But you can't make a broad judgment that this is the case in every instance. In the two years my mom was there, the total number of days I didn't make the drive to visit her would be in the single digits. I'm not saying that to brag, because it's nothing to brag about. It should simply be expected.
Many good people have commented here about their experiences as caregivers. It's great that they had the means and support to do what they did. It would be a mistake, however, to assume that it's possible for everyone. I've been over it a million times in my mind, trying to figure out if there was any possible way we could have done it differently. My conclusion is always the same: For us, the nursing home was an inevitability, and it was for the best.
Caring for the Elderly
Excellent article! It is precisely because the 'Church' (western culture, postmodern church at least) has abandoned these and other priority and relational Truths of Scripture regarding relationships (marriage, parenting, etc., including those within the Body of Christ) and so much conformed to the world's way of doing these things that we can so easily be deceived into thinking that the world's (read govt., education and media) systems of 'false' compassion are how we should handle all our relationships. Not only do we treat the elderly in this manner but because we don't adhere to the Scriptural priorities of God's Word on relationships beginning with Christ as Lord, then marriage, family, the Body of Christ and then out to a lost and dying world, that we so easily accept welfare, Social Security, Medicare and Medicaid and other 'false compassion' ideologies void of full Truth, as the 'church' looks so much to the world and looks so much like the world!
Thanks to your friend for thinking about it truthfully and rightly and to you for pointing it out!
God bless in Christ!
Caring for Parents
My dad died suddenly, but my mom came to live with my wife and I and our five children. She was in the early stages of dementia and it was hard to see her deteriorate mentally and there were difficult times for us, but it was a time we wouldn't trade for the world. Our children got to know their grandmother in a way they would have never had a chance to do so otherwise. They also had a unique chance to practice unselfish, unconditional love to someone that didn't have a lot to give back to them in return. When my mother died at our home, we were waiting for the hospice team to come help us with her body. Before they arrived, my oldest daughter offered to help my wife clean up her grandmother's body as a last act of love and respect for her. That moment reinforced to us that we had not only made the right decision to take care of my mom, but that God had honored that decision in our children's lives.
Thanks for addressing this topic that needs to be addressed with the Church!
A Different Perspective
I am blessed to be able to work in an Independent and Assisted Living Community in Tampa, Florida. From the very first moment that someone calls in or walks in, I am the person who helps them understand their options.
It is my personal belief that the family should do everything in their power to physically and financially care for their loved one to the best of their ability. There are certain situations, however, where I do not feel that it is in the best interest of the elder for the family member to physically care for them.
Here are three examples:
I have helped several good, Christian people, who have a mother or a father with dementia. There are over 60 different kinds of dementia, and they each progress differently, and require distinct approaches to making the elder comfortable. Oftentimes, the adult child has tried his or her best to lovingly care for their parent, however, the parent is often angry, confused, and frustrated. It is common knowledge that when a husband or wife is caring for their spouse with dementia, the caregiver dies BEFORE their loved one the vast majority of the time. Sad, but true. When the elder with dementia is in a community with trained caregivers that are able to lovingly meet their needs, they are not nearly as confused and frustrated, leading to a better quality of life for the entire family. The family does have a responsibility to be heavily involved in the person's life, but now that their needs are being met, the time spent with their loved one is quality time that is not centered on health care.
Another scenario would be someone who is an insulin-dependent diabetic. I cannot tell you the number of times I have had families at their wits end trying to manage someone's diabetes with food at different times of the day, constantly testing blood sugar, and administering insulin. Unless the family member is a clinician, they cannot possibly be expected to care for someone with this type of need. When someone does not have their insulin regulated by a clinician on a day-to-day basis, the elder is on a constant roller coaster of emotions, erratic health, and their quality of life is terrible. It permeates every aspect of their day. We have had several people over the years that have been able to get their diabetes under control within a matter of days, whereas the family had not been able to do the same after a number of months or years. Again, the family still has an integral role.
One last example is the simple notion of medication management. More often than not, the elder and the family do not really understand all of the different medications that they are taking, how they interact with each other, and cannot keep track of when they are supposed to be taken. One of the number one reason why our elders end up in the hospital is due to incorrectly taking their prescriptions. Yes, someone may taken a horrible fall, but why? Perhaps it was because they forgot to take their afternoon medications, so they double-dosed to catch up, only to get dizzy and THEN fall. When an elder lives in a community that correctly oversees their medications, they are able to ensure that what they are prescribed is necessary and understand how they interact with each other. Again, every day we have new residents join our community that are overly medicated by their ten different doctors or cannot manage the thirteen prescriptions that they are supposed to be taking. You would think that a family member would be able to manage this process - right? Not always. Most of the time, the adult child has no clue what the pills are for, and does not have the wherewithal to question a physician about the need for certain drugs.
In ALL of these examples and the thousands of others that I did not mention, it is still the family's responsibility to financially contribute to their loved one's care, as well as continue to be an active part of his or her life while at the community.
There are several elder law attorneys out there who "specialize" in helping families restructure their assets and income in order to qualify for Medicaid. My personal belief is that this is fraud. Constructing documents such as trusts in order to avoid exorbitant estate taxes after one's death is one thing; funneling off all of your assets in order to qualify for government assistance is wrong.
Caring for the Elderly
I agree with you Chuck.
We are responsible to take care of our family (parents and children) not the government or other people.
It seems that we in this country have been indoctrinated to believe compassion means to pass legislation to force other people to take care of the elderly, poor and the needy. In most people's minds, they don't think in terms of making personal sacrifice to help the elderly, poor and the needy.
In the 90's, I used to hear many say that America needs to be more like most Asian society where the elderly are respected and cared for. What many don't recognize is that in Asian society, the family takes care of the elderly, not the government. The elderly live with family members.
I agree with you Chuck that the Biblical model is for the children and relatives to take care of the elderly, not the government.
The Church needs to set an example. Family members should take care of each other. The Church family should help take care of the eldery. The government should be the last option.
Thank you for today's commentary. I hope more Christians start talking about it and living it.
What are we "entitled" to?
A large part of the problem in discussing government programs for the elderly is that we have a constantly shifting view of what kind of programs Social Security and Medicare are. (The issue of moving your assets to qualify for Medicaid is a different matter; I have serious problems with the morality of making oneself "poor"--particularly by giving money to your children--to put a claim on taxpayer funds.)
Is Social Security a pension plan, into which we make payments while working, to draw out the benefits upon retirement or disability? Or is it a welfare program, with benefits based on need, and subject to the ability of the government to make those payments?
If it's a pension plan, the wealthy should receive their money on the same terms as the poor. But the benefits should be based on actuarial science, not politics. As it happens, the first few generations of retirees have made out like bandits, receiving back far more (in many cases multiple times) what they put in, including employer's share and interest. We can't get that money back, of course, but a major reason that SS is developing its huge liability is that we're not adjusting retirement age and benefits to reflect longer life expectancy. But any suggestion of making such changes generates screams of "but I paid for it!" Uh, no, actually you didn't, at least not at the level you're receiving...
Some might think it desirable for the government not to be in the business of running a retirement income plan, because of the tendency of politicians to spend money that someone else (especially someone in the future) will have to pay. That's an interesting argument to have, but the reality is that we have the SS system in place, and it would take a true cataclysm to eliminate/replace it. So productive discussions need to recognize the fact of its existence. And let's not forget that SS has actually made a positive difference in the lives of senior citizens. We don't need poor farms any more; not many elderly eat cat food or live on the street.
Chuck may think having his grandparents in the home was "just what you did," but my similarly-aged father remembers his grandmother's presence less fondly, and how it drove his mother's fierce determination not to have to live with any of her children. There are some families for whom it works well (I have close friends who are doing it), but others for whom the cost, emotional as well as financial, would be high, indeed intolerable. That's the reality of the sinful world we're in.
I'm not sure that there's anything wrong with a safety net. The challenge is to keep it from being a hammock.
Caring for Family
Some of us look at this from another angle. It's not that we don't take responsibility for our families. I don't expect our children to "strip us of our assets" and "expect the government to take care of us" someday. I do, however, expect some return on what we have been forced to pay in for over 50 years, and we shouldn't be made to feel guilty for doing so.
care of loved ones
I cared for my husband's Christian mother for over a year of constant physical needs at all hours until I nearly had a breakdown from exhaustion. We then found a kind woman who lovingly cared for her in exchange for her social security check. I agree that we should care for our own whenever possible. We have a mentally challenged son for whom we take no government help. In fact, we want him on no government rolls. My father fought against Hitler, and we all should remember what that dictator did for the elderly and the mentally challenged in his country. Great power in the hands of a few leads to great misery. We must stop Obama and his Obamacare!
Caring for family and others
I agree so much that the government should not shoulder the responsibility of caring for our family. I have been blessed to have had the opportunity to initiate a long term care insurance policy for my immediate family, church family and many hundreds of other folks not yet in the family of God, thus providing a way of being a good steward of what has been entrusted to us. By sacrificing a small amount now, we can provide adequate caregiver services as needed in the future.
Dave Augusta
Caring for parents
My wife and I took care of my parents in our home after they could not live in their own house. We decided to share expenses while they were alive. We both sold our house and moved in together into a somewhat bigger house. Though there are a lot more details, we used what money they had to take care of my parents. I never took a dime from them. It was the best thing that we have done. I was not expecting anything in return. We they both passed away about a year apart everything went smooth and they are both worshiping in Heaven now. I would be glad to talk to anyone about this experience.
Caring for family
I've always believed that God gave me the means by way of income to support my family. Over the years I have taken in and taken care of my disabled brother and now I take care of my Mom. I also have two kids 19 & 20 - one in college and one with a new wife and child that I help take care of. I'm a single Mom too with no help from their father because he passed away after we divorced (no government subsidies). God does provide ways and means and is far better than depending on the Government for anything. We depend on each another. Mom contributes in her ways and wisdom, my brother contributes with what he is physically able to do. My son contributes by working and repairing things. My daughter contributes by cleaning and organizing. My daughter in law cooks and cleans. I work full time and bring home the main income. It's all good. Think what it would be like if my Mom was in a home, my brother was in HUD and my son & wife had their own apartment. Just doesn't make any sense to me. We all live together and it just feels good.
Caring for our parents
I couldn't agree more. For both our parents, we were involved in taking care of them in their final years. In the case of my mom, two of my sisters who lived nearby provided physical care, and I gave money to help pay for mom's care. We kept her at home surrounded by family until her passing. The thing that is annoying, though, is that had mom lived long enough, the money I was giving to help with her care would have triggered a tax penalty from the government, because they assume I would be giving her the money to avoid an inheritance tax issue. I don't mind that the expenses weren't deductible. I don't expect them to be. But, I don't think the government should financially punish me for taking care of my mom.
Caring for our family
I have adopted two children with special needs, and I'm with you Chuck..I refuse to allow the state to raise my children. I know that they would not raise them as God would want them raised and therefore, I have already made arrangements for their care in the event of my death. It's important to care for our loved ones...it's what God would want from us...great broadcast!


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Blue Ocean
Definition of 'Blue Ocean'
A slang term for the uncontested market space for an unknown industry or innovation. Coined by professors W. Chan Kim and Renee Mauborgne in their book "Blue Ocean Strategy: How to Create Uncontested Market Space and the Make Competition Irrelevant" (2005), blue oceans are associated with high potential profits.
Investopedia explains 'Blue Ocean'
In an established industry, companies compete with each other for every piece of available market share. The competition is often so intense that some firms cannot sustain themselves and stop operating. This type of industry describes a red ocean, representing saturated market share, bloodied by competition.
To avoid costly competition, firms can innovate or expand in the hope of finding a blue ocean. A blue ocean exists where no firms currently operate, leaving the company to expand without competition.


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L'Oréal Paris
Lumi Nude Magique from L''Oréal Paris is a unique light-reflecting formula that absorbs into the skin to increase shine and liveliness. Provides natural results.
Item no.: 210874-0128
Colour: Medium
Size reviewsSmall in size
More about the brandL'Oréal Paris has a variety of products on the beauty market, but concentrates on products for hair colour, skin care, sunscreen, makeup, perfumes and hair care. L'Oréal Paris is a global beauty brand, and their signature phrase "Because I'm Worth It" inspires women to embrace their own unique beauty, and strengthen their sense of self-worth. Shop their range here at Nelly.com. Read more
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A Guide to Mass Shootings in America
There have been at least 70 in the last three decades—and most of the killers got their guns legally.
Update May 24, 2014: America's latest mass shooting took place in Santa Barbara on Friday night. The New York Times reports: "A college student who posted videos that documented his rage against women for rejecting him killed six people and wounded 13 others during a spasm of terror, the police said. He stabbed three men to death in his apartment and shot the others as he methodically opened fire on bystanders on the crowded streets of this small town." According to the LA Times, the guns he used—two Sig Sauer p226 model handguns and a Glock 34—were legally purchased from federally licensed dealers and were registered to the killer, whose serious mental health problems were well-known, and who after a shootout with police ended his own life with a bullet to the head.
It is perhaps too easy to forget how many times this has happened. The horrific mass murder at a movie theater in Colorado in July 2012, another at a Sikh temple in Wisconsin that August, another at a manufacturer in Minneapolis that September—and then the unthinkable nightmare at a Connecticut elementary school that December—were some of the latest in an epidemic of such gun violence over the last three decades. Since 1982, there have been at least 70 mass shootings across the country, with the killings unfolding in 30 states from Massachusetts to Hawaii. Thirty-three of these mass shootings have occurred since 2006. Seven of them took place in 2012, and another five occurred in 2013, including in Santa Monica, California, and at the Washington Navy Yard. The first five months of 2014 brought another bloodbath at Fort Hood, Texas, and mass killings in northern and southern California.
We've gathered detailed data on three decades worth of cases and mapped them below, including information on the shooters' profiles, the types of weapons they used, and the number of victims they injured and killed. The below analysis covers the cases from 1982 through 2012, and the map has been updated with cases through 2013.*
Weapons: Of the 143 guns possessed by the killers, more than three quarters were obtained legally. The arsenal included dozens of assault weapons and semi-automatic handguns with high-capacity magazines. (See charts below.) Just as Jeffrey Weise used a .40-caliber Glock to slaughter students in Red Lake, Minnesota, in 2005, so too did James Holmes, along with an AR-15 assault rifle, when blasting away at his victims in a darkened movie theater. In Newtown, Connecticut, Adam Lanza wielded a .223 Bushmaster semi-automatic assault rifle as he massacred 20 school children and six adults.
The killers: More than half of the cases involved school or workplace shootings (12 and 20, respectively); the other 30 cases took place in locations including shopping malls, restaurants, and religious and government buildings. Forty four of the killers were white males. Only one of them was a woman. (See Goleta, Calif., in 2006.) The average age of the killers was 35, though the youngest among them was a mere 11 years old. (See Jonesboro, Ark., in 1998.) A majority were mentally troubled—and many displayed signs of it before setting out to kill. Explore the map for further details—we do not consider it to be all-inclusive, but based on the criteria we used we believe that we've produced the most comprehensive rundown available on this particular type of violence. (Mass shootings represent only a sliver of America's overall gun violence.) For a timeline listing all the cases on the map, including photos of the killers, jump to page 2. For the stories of the 151 shooting rampage victims of 2012, click here, and for all of MoJo's year-long investigation into gun laws and mass shootings, click here.
Hover over the dots or use the search tool in the top-left corner of the map to go to a specific location. (Zoom in to see the Aurora shooting, located close to other massacres in Colorado, and to see other proximate shootings in Milwaukee, Seattle, and elsewhere.)
Sources: Research by Mother Jones. (With thanks to the Associated Press, Canada.com, and Citizens Crime Commission of NYC.)
Our focus is on public mass shootings in which the motive appeared to be indiscriminate killing. We used the following criteria to identify cases:
- The shooter took the lives of at least four people. An FBI crime classification report identifies an individual as a mass murderer—versus a spree killer or a serial killer—if he kills four or more people in a single incident (not including himself), typically in a single location.
- The killings were carried out by a lone shooter. (Except in the case of the Columbine massacre and the Westside Middle School killings, which involved two shooters.)
- The shootings occurred in a public place. (Except in the case of a party on private property in Crandon, Wisconsin, and another in Seattle, where crowds of strangers had gathered.) Crimes primarily related to gang activity, armed robbery, or domestic violence in homes are not included.
- If the shooter died or was hurt from injuries sustained during the incident, he is included in the total victim count. (But we have excluded many cases in which there were three fatalities and the shooter also died, per the above FBI criterion.)
- We included a handful of so-called "spree killings"—cases in which the killings occurred in more than one location over a short period of time, that fit the above criteria.
For more on the thinking behind our criteria, see our mass shootings explainer. Plus: more on the crucial mental illness factor, and on the recent barrage of state laws rolling back gun restrictions across the US. And: Explore the full data set behind our investigation.
Here are two charts detailing the killers' weapons:
This guide was first published on July 20, 2012; since then we've updated and expanded it multiple times with additional research and reporting. The analysis and charts above cover the data through 2012 (comprising 62 cases); additional data and analysis on the shooters' weapons are in this story. Information from five additional mass shootings in 2013 is included on the map and in our full data set here. For much more of our reporting on mass shootings, gun violence and gun laws, see our special reports: America Under the Gun and Newtown: One Year After. (Return to intro.)
First published: Fri Jul. 20, 2012 7:32 PM PDT.
Interactive production by Tasneem Raja and Jaeah Lee
Image: Clockwise from upper left: Wade Michael Page: Anti-Defamation League; James E. Holmes: Arapahoe County Sheriff's Dept./Zuma; Seung-Hui Cho: Virginia Tech University/Wikimedia; Jared Loughner: Pima County Sheriff's Office/Wikimedia
MoJo Troll Patrol encourages readers to sign in with Facebook, Twitter, Google, Yahoo, Disqus, or OpenID to comment. Please read our comment policy before posting.


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Brink Screenshots Show ShootingWhile Brink developer Splash Damage couldn't make it to the recent Bethesda press day due to volcanic interference, it has managed to release a few new screenshots.
Set in a dystopian future city, the class-based shooter builds upon Splash Damage's Wolfenstein: Enemy Territory and Enemy Territory: Quake Wars with a singleplayer campaign supporting drop-in, drop-out multiplayer and a dynamic movement system.
Brink will hit PC, Xbox 360 and PlayStation 3 release this fall, published by Bethesda.
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Feds announce people smuggling ring arrests
U.S. and Canadian residents, including at least one Washington
state resident, have been indicted for their alleged
involvement in a human smuggling operation that illegally
brought as many as 60 individuals into the United States
over the past year.
At a press conference at the Peace Arch State Park Thursday, April 13, representatives from four agencies – the U.S. Attorney's office in Seattle, U.S. Immigration and Customs Enforcement (ICE), the Royal Canadian Mounted Police (RCMP), and the U.S. Customs and Border Protection (CBP) – announced that out of those 14 individuals, 12 have been arrested and two others are still being sought.
Investigators believe Kavel Multani, a dual Canadian and Indian citizen, oversaw the Vancouver-based smuggling ring along with three other suspects, Nizar Sabaz-Ali, 38, Sandip Parhar, 26, and Armardeep Singh Powar, 23, all Canadian citizens. Multani is charged with nine counts of smuggling and transporting people illegally into the United States and Canada. All of the individuals are believed to be of Pakistani and Indian descent.
Leigh Winchell, special agent of ICE's Seattle office, said individuals paid – and, in some cases, borrowed – as much as $35,000 a person to be transported to Canada through commercial aircraft into the Toronto area using fraudulent passports.
Once there, they were flown to Vancouver, B.C., and then transported by vehicle to various points along the Washington border. Once in the United States, most of the individuals were believed to have moved to the Seattle area and other large, urban areas. The passports were then retrieved and sent back to India and Pakistan to be reused.
Winchell said there was no indication the individuals involved in the operation have ties to terrorism.
"Most of the people coming here are just wanting a better way of life or to reunite with their families," he said, adding that human smuggling is a $10 billion a year business. "Some of them even borrowed the money to get here."
When asked by reporters why the leaders of the operation chose this particular location, Douglas Whalley, an assistant to the U.S. Attorney's office in Seattle, said he thinks it was a matter of geography, rather than border security.
"I don't think it's
a weak border crossing," he
said. "I think it's a busy border
crossing. It may be perceived as easier because
of that."
Authorities became aware of the operation in January, 2005, when border patrol agents in Oroville received a tip about three men who had purchased maps of the border and inquired about border patrol enforcement there. Several days later, CBP agents intercepted a minivan carrying 10 individuals who entered the country illegally.
Bud Mercer, chief superintendent of the criminal operations division of the RCMP, said while both U.S. and Canadian authorities were aware of the human smuggling for some time, officials waited almost one year until they felt it was most effective time to act.
"All throughout the investigation, there were a number of instances in which we could have made our move," Mercer said. "In each case, the approach was measured based on the outcome, what we felt we could achieve, and what the jeopardy it could put on the entire operation."


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Get Involved
Serving the community since 2004, Edventure More has been raising awareness about our causes and providing access to quality enrichment programs to Bay Area youth and schools.
Join the cause! Together, we can …
- Reverse the effects of Summer Learning Loss, responsible for 2/3 of the achievement gap between low and middle income students by 9th grade.
- Save fun, hands-on science learning in local schools struggling with increasing budget cuts.
- Prepare our youth to overcome the challenges of the future by developing 21st Century Learning Skills today.
Rock the Vibe! Volunteer to help out with hands-on learning!
By volunteering with Edventure More, you are ensuring ALL children gain access to environments that nurture their innate curiosity, confidence and kindness. Add to this our commitment to aligning with California State Standards in K-9th grade education, and you'll see why our staff and volunteers rock the vibe!
Looking for an inspiring team building activity for your office to help boost morale, strengthen your reputation in the community while supporting children and schools in your community? Call us at 415.282.MORE (6673) or email Sara Statler at firstname.lastname@example.com to create a volunteer opportunity that will give your team the unmistakable Edmo & EdTech Vibe.
Edventure More fosters the leadership development of all ages. From kindergarten campers, learning to work together, all the way up to our Camp Directors who can hone their administrative and staff management skills. Our fabulous summer time volunteers are no expectation. Our Counselor-in-Training (CIT) Program offers a chance for middle and high school students to explore their passions, receive mentoring from strong role models, gain real world job experience and learn valuable leadership and job skills.
CIT Program Goals
- Foster and develop budding leaders
- Strong leader role models
- Leadership training
- Hands-on facilitation experience
- Manage projects
- Assist CIT's in finding a path and passion
- Exposure to a variety of tasks and roles
- Provide Basic Job Skill Training
- Customer service, child care, punctuality, team collaboration and constructive feedback
CIT Program Benefits
Once a CIT has completed 6 weeks of volunteer time (This can be over many summers), they are assured a letter of recommendation from Edventure More.
- Be a kind role model and buddy for the campers
- Ensure the safety of the campers at all times and follow all camp policies, guidelines and procedures
- Instill camp values of respect, team work, honesty, kindness, and generosity at all times
- Be helpful, alert and attentive when aiding in activities or classroom time
- Help Instructors with classroom prep before, after, and during class as needed
- Act as a second set of hands and eyes for Counselors and Instructors
- Assist campers in their classroom creations
- Help Lead Counselors, Instructors and the Camp Director lead morning and afternoon songs, games, skits
- Develop creative activities for your group's daily Team Time
- Must at least be an entering 8th Grader
- Experience interacting with younger children
- Interest in leadership
- Ability to take initiative and see what needs to be done
- Mature middle school or high school student
- Creative, fun and bright
Application Process (Begins in February 2014)
- Please find your preferred location and apply below
(Please indicate your location choice in the application when you apply.)
- Select an orientation/ Interview time slot
- From the orientation, our staff will determine if a CIT position with Edventure More is a good fit for you
- You will receive a letter confirming your position and dates after attending an orientation
- Welcome to a fabulous Summer with Camp Edmo!
Please contact Sara Statler at firstname.lastname@example.com or call 415-282-MORE (6673) with any questions.
Hands-on Science in Class: Become a Presenter's Assistant through our School Year Program, bringing hands-on Arts & Science to K-5th grade classrooms all over the Bay Area. Projects like Wacky Weather of the Bay Area, Super Sleuth and Oobleck require adult volunteers. Re-discover your love for learning with our guest science presenters this year!
- Hours: 2 hours/project
- Location: elementary school in your region
Be a Camp Counselor Assistant: Come to a designated camp location for a day this summer and assist the staff with the day's projects and activities. You could prepare materials for an inspiring lab experiment, be an extra in a camper's film project or walk with the campers on a hike at Edmo in the Park. The possibilities are endless.
- Hours: 3-4 hours
- Location: one of our camp locations in your area
Technological Services: Qualified candidates may assist Edventure More in tech-based projects such as video compilation, editing, systems optimization, software donations and more.
- Hours: 5-15 hours/project
- Location: San Francisco home office
Administrative Support: Learn the behind-the-scenes workings of an enrichment non-profit and gain valuable office management skills at the same time.
- Hours: 3-6 hours/week
- Location: San Francisco home office
PTA Meetings: Parents give their time to their schools, so we give our time to their kids! Adult volunteers support our expert counselors in leading hands-on projects with kids so parents can focus on PTA business. It's a win-win for everyone.
- Hours: 3-4 hours/project
- Location: PTA meeting place in your region
Ready for MORE Volunteer Options? How about a Team Time workshop for your office? Call us at 415.282.MORE (6673) or email Sara Statler at email@example.com to create a volunteer opportunity that will give your team the unmistakable Edmo & EdTech Vibe.
Edventure More fosters the professional and personal development at all levels in the organization. Our Internship positions offer college students, recent graduates and professionals a chance to work first hand in the non-profit environment and help them build job skills relevant to course of study and professional interests. Once Interns complete at least 60 hours of quality service, they are assured a letter of recommendation from their supervising department manager.
Supports Curriculum Manager in developing science and art curriculum and activities for camp and school year programs.
Summer Programming
Support Summer Program Manager with summer time logistics including; camp programming research, field trip booking, and training support.
Supports school year and summer time recruiting efforts. Creates position postings, helps source for all positions and manages Counselor in Training (CIT) recruiting project.
Supports Marketing Director in social media efforts, public relations projects, partnership outreach, directory updates and online presence.
Office Admin
Assist in overall office projects including; database upkeep, email correspondence, mailings and research. Supports Office Manager with school auction program and data entry.
Supports the Development Director in strengthening social media contacts, researching new funding options and preparing for annual fundraiser. Also manages campership program.
Current Internship Opportunities
Only the best of the best wear the word "STAFF" on the back of their camp shirt or become an Edventure More School Year Presenter. Our staff come from our museum partners, top universities, specialty graduate programs, local schools and other like-minded educational organizations.
Catch the Vibe in 2015 – Spend your Summer with the Best Day Camps in the Bay!
If you love leading a group, teaching, having FUN and want a fabulous team to do it with, Edventure More's Camp Edmo and Camp EdTech might be perfect for you!
We are looking for Camp Directors, Instructors and Counselors with a passion for learning, leadership skills, undeniable charisma and fun bursting from every seam.
Edventure More operates two award-winning summer camps throughout the Bay Area:
- Camp Edmo: Pre-K–Entering 4th grade – Arts, Science, Animation, Nature, Recreation & Life Skills camp
- Camp EdTech: Entering 5th–8th graders – Digital Media, Recreation & Life Skills Camp
Camps run from June – August with dates varying by location (See specific location pages for dates)
- Instructor applicants must be available select weekends and evenings in the month of May and June for curriculum trainings.
- All staff is required to attend mandatory staff training the week prior to their locations start date.
All staff applicants are put through a multiple step interview process with:
- Initial resume review
- Phone interview
- Group screening
- Sample Teaching presentation (Instructors Only)
- One-on-one interview with Camp Director
Please contact Sara Statler at firstname.lastname@example.com or call 415-282-MORE (6673) with any questions.
Come back in October to see what positions will be available in your area! Visit us again in January to see what other camp positions we'll be hiring for!
Join the Bay Area's leading non-profit enrichment organization!
Edventure More collaborates with the Bay Area's top children's museum, over 400 schools, and thousands of families to inspire curiosity, confidence and kindness in approximately 10,000 youth each year. By joining our team you will be part of countering Summer Learning Loss and saving hands-on learning in schools.
To ensure the best fit, we have a multi-step interview process for all applicants:
- Initial resume review
- Phone interview
- If Applicable: Example of past work review
- One-on-one interview
- If applicable: Second round one-on-one interview
- If you have any questions, please feel free to e-mail email@example.com or call 415.282.MORE (6673).
Join the Bay Area's leading non-profit enrichment organization!
Edventure More collaborates with the Bay Area's top children's museum, over 400 schools, and thousands of families to inspire curiosity, confidence and kindness in approximately 10,000 youth each year. By joining our team you will be part of countering Summer Learning Loss and saving hands-on learning in schools.
To ensure the best fit, we have a multi-step interview process for all applicants:
1. Initial resume review
2. Phone interview
3. If Applicable: Example of past work review
4. One-on-one interview
5. If applicable: Second round one-on-one interview
If you have any questions, please feel free to e-mail firstname.lastname@example.com or call 415.282.MORE (6673).
Contact Information
Local: 415.282.MORE (6673)
Edventure More
Tax ID: 77-0653711


text: Ready for another addictive game? Let's check out I Surrender! It's a platform game developed by FlooStudio from Indonesia. The point of the game is to avoid crashing into blocks. The only action required from you is a tap on the screen to jump. Sounds simple? Head past the break to watch our gameplay video.


text:
BELOIT, Wis. (WTAQ) - Rock County authorities say they have no official suspects, but they have concluded the weekend fire that destroyed a Beloit restaurant was arson. The Gun Club was a total loss.
Federal and state agencies are offering a reward of up to $10,000 for information leading to arrests. The fire reportedly started at about 5 a.m. Saturday in the kitchen or dining area.
The restaurant first opened in Beloit 77 years ago -- and it has been a local landmark for decades.