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Personal Banking E-Newsletter - December 2011
Using Annuities to Generate Retirement Income
An annuity is a contract between an investor and an insurance company in which the insurance company promises to make payments to the investor either immediately or at a future time. An immediate annuity, as its name suggests, offers payments that start immediately. With a deferred annuity, payments are delayed to a future date. You may be able to purchase an annuity either with a single payment or with a series of premiums. Details of annuities vary considerably, and it is important to familiarize yourself with the particulars before making a purchase.
Depending on the underlying investment, you may have a choice of a fixed annuity, a variable annuity, or an equity-indexed annuity.
Fixed Annuities
As their name suggests, these annuities typically present a guaranteed interest rate that is locked in for an initial period and may be adjusted thereafter, often annually. Earnings on the underlying investment accumulate tax-deferred and are not taxable until they are withdrawn, when they are taxed as income. Withdrawals before age 59 1/2 may entail a 10% penalty. Withdrawal options may include a lump sum or a lifetime stream of income. With a deferred fixed annuity, there may be surrender charges on withdrawals during the first several years of the annuity contract. Once the surrender period has expired, you generally can access your money without penalties.
Variable Annuities1
This type of annuity, in contrast, generates investment returns that fluctuate depending on how underlying subaccounts are invested. Generally, an investor (called an annuitant) may make an investment selection that may include stock, bond, cash equivalent investments, or some combination of these. As with many investments, the value of a variable annuity will change depending on the performance of the investments you choose.2
Risk tolerance and costs are important considerations to investigate when researching variable annuities as these types of investments are subject to investment risk, fees, and expenses. Expenses can include surrender fees, contingent deferred sales charges, mortality and expense risk charges, administrative fees, and annual contract fees. Any riders added to the annuity can also be subject to additional costs. The benefits of riders and annuities are subject to limitations and restrictions. Withdrawals are taxed as ordinary income.
Equity-Indexed Annuities (EIAs)
EIAs are another variation of annuity. They frequently offer a guaranteed minimum interest rate combined with an interest rate linked to the performance of a market index. The guaranteed minimum typically is 90% of the premium paid at a 3% annual interest rate.3 The index-based return is tied to an index, such as the S&P 500, that is identified in the prospectus.
The index-linked interest rate may be computed in a variety of ways. Some annuities present a participation rate (for example, 80%) that determines how much of the index's gain is credited to the annuity. There may also be an interest rate cap on how much an EIA can earn. For example, if an index linked to an annuity gained 8% and the cap rate was 6%, then the gain would be 6%. There are also a variety of indexing methods used to calculate the index-based return. When reviewing EIAs, be sure to read the prospectus for details and ask questions about anything you do not understand.
Determining Suitability
Whether an annuity is right for you may depend on how much you anticipate receiving from traditional sources of retirement income, such as Social Security or an employer pension. Also, many annuities require fees that impact an investor's total return. But if you need an additional source of retirement income, and the particulars are suitable for your situation, annuities may be worth a look.
1Variable annuities are long-term, tax-deferred investment vehicles designed for retirement purposes and contain both an investment and insurance component. They are sold only by prospectus. Guarantees are based on the claims-paying ability of the issuer and do not apply to a variable annuity's separate accounts or underlying investments. The investment returns and principal value of the available subaccount portfolios will fluctuate so that the value of an investor's unit, when redeemed, may be worth more or less than their original value. Withdrawals made prior to age 59 1/2 may be subject to a 10% IRS penalty. Surrender charges may apply. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal.
Not FDIC/NCUA Insured -- May Lose Value -- Not Bank/CU Guaranteed -- Not a Deposit -- Not Insured by Any Federal Agency
2Before investing, investors should consider the investment objectives, risks, charges, and expenses of the variable annuity and its underlying investment options. The current contract prospectus and underlying fund prospectuses, which are contained in the same document, provide this and other important information. Please contact your representative or the offering company to obtain the prospectus. Please read the prospectus carefully before investing or sending money.
3Source: www.finra.org, "Equity-Indexed Annuities: A Complex Choice," April 22, 2008.
Because of the possibility of human or mechanical error by Financial Communications or its sources, neither Financial Communications nor its sources guarantees the accuracy, adequacy, completeness or availability of any information and is not responsible for any errors or omissions or for the results obtained from the use of such information. In no event shall Financial Communications be liable for any indirect, special or consequential damages in connection with subscriber's or others' use of the content.
© 2011 McGraw-Hill Financial Communications. All rights reserved.
Holiday Sale Planning
Harnessing the power of the holiday markdown
Have a holiday check-list? Decorate the house, greet the in-laws, unpack the sleds and shovels… check, check, and double-check. But, are you preparing financially for the holiday season?
Black Friday and other holiday sales can be a double-edged sword for shoppers. Shop smart and you can save a lot, but fail to plan and it may cost you. Here are a few tips to help you harness the power of the holiday mark-down:
Create a budget – Whether it's on an iPad or a post-it, have your budget written down. It's the same principle as using a list while grocery shopping to avoid buying more food than you can eat before it spoils. A concrete set of spending rules will help keep you on task. Decide how much you'll spend before you even look at the ads and you'll be less likely to make impulse buys.
Charge it! – Don't be afraid to use your credit cards when buying during holiday sales. Find out from your bank what spending benefits and/or rewards programs your purchases qualify for and what warranty coverage and return protections are included on credit card purchases. Paying with credit cards can also make returns easier to handle.
Look online – The vast majority of the US population has made an online purchase (94% according to a 2008 Nielsen survey) and as many as 23% shopped online on Black Friday last year. Visit each store's site to see if you can buy the product cheaper in the store or online. If you plan to buy online, remember to factor shipping costs into your budget. Many retailers also offer internet-only coupons and/or additional discounts you can print off and bring along with you.
Don't leave ads at home – Bringing ads and coupons along for the ride allows you to take advantage of price matching or "best price" sales. Proof that another store is selling the same product for less can be great leverage for the savvy shopper!
- Make a schedule – Have a game plan prepared to avoid missing any sale times. Some stores have sales starting right when they open (the infamous "door-busters") while others may not go into effect until a few hours after the store opens. Find out how many sale items will be stocked to avoid waiting in a massive line with nothing to show for it at the checkout. Plan your store-to-store route around sale times as well as store location.
With a little planning and some smart money habits the holiday sales season is reason to celebrate! Happy shopping!
How to Get a Perfect Credit Score
Paying attention to the details to help with lofty credit aspirations
There are certain things that we discover are just an illusion as we grow up: Santa Claus, the Easter Bunny and the Fountain of Youth are a few. However, much like Big Foot, one myth that persists well into adulthood, is the perfect credit score. Some swear they've seen it, others think it's impossible.
According to FICO, the company that designed our current credit model, these overachievers are out there. Craig Watts, senior manager for Public Relations for FICO, says that while most people score in the middle-to-low 700s on their credit scale, less than 1% of the U.S. population (about 1 million people) do, in fact, net a full score of 850.
Of course, a score that high isn't easy to achieve either. To reach the top tier you have to master not just the basics, maintaining positive payment history and a low debt to credit ratio, but you must pay attention to the details as well. In an effort to help those with lofty credit aspirations, below is a profile of what these credit superstars look like.
They Have a Long and Impressive Payment History and a Clean Record.
The bulk of your credit score is determined by your payment history and the amount of debt you may or may not have currently on file. Unsurprisingly, those with perfect credit scores use credit regularly while paying it off on time, every time. They also have a squeaky clean record. Ulzheimer explains that the credit elite have no debt to speak of. "No liens, no bank repossessions, no settlements," he says. "Nothing."
They Maintain a Diverse Set of Accounts.
According to McClary, credit lines fall into two major categories. Installment accounts are closed-ended and require consumers to pay a fixed amount each month until the entire balance has been depleted. These typically include mortgages or car loans. Revolving accounts, on the other hand, limit the line of credit, but have balances that fluctuate. These essentially are the accounts tied to the credit cards in your wallet.
Top credit scorers have a careful balance of both accounts on record. "They'll have a mortgage, a car loan and a few credit cards on file," McClary explains.
They Have a "Well-Aged" Credit Report.
"One advantage to being older is that you tend to have a longer credit history," McClary says. Keep in mind, though, that it's not your age, but the age of your oldest credit account on file that influences your overall score. As such, you may want to keep open that store charge card you opened up on your 21st birthday.
They Have a Very Limited Number of Credit Inquiries on Record.
On the other hand, those without a store charge card shouldn't simply open one frivolously. While having large number of credit card inquires on file won't dramatically decrease your score, it can keep you from joining the credit elite, especially if several inquiries are recorded over a short period of time. This is why you should refrain from opening up a litany of store accounts during the holiday season, no matter what type of discount the retailer is offering as an incentive to do so.
Article Source: http://finance.yahoo.com/banking-budgeting/article/110979/how-to-get-a-perfect-credit-score?mod=series-m-article-c
Making Holiday Charity Contributions
Five tips to ensure your money goes to a good cause
From the Japanese earthquake and tsunami to the Joplin, Mo., tornadoes, 2011 has proved to be the costliest year on record for natural disasters across the globe - an estimated $265 billion in the first half of the year alone. In the wake of such devastation, you may feel compelled to act quickly. But you will maximize your gift's impact if you take the time to research how a charity spends your money. Below are five things you should know before giving to a charity this holiday season.
Avoid untested groups. Stick to charities that have a track record for relief work, such as the American Red Cross, Doctors Without Borders and the Salvation Army.
Watch out for scams. The high-profile nature of some disasters makes them prime opportunities for con artists. For instance, up to 60% of the 4,000 charity Web sites that cropped up in the wake of Hurricane Katrina could have been phony. Be especially alert for sound-alike names, newly formed sites and forwarded e-mails claiming to be from disaster victims. Think twice before donating money over the phone, and be wary of outlandish claims. It's disingenuous for a charity to say that 100% of your donation will go to the victims, because even a credit card transaction carries some administrative cost, says Bennett Weiner, chief operating officer of the BBB Wise Giving Alliance. Most reputable charities spend at least 75% on their programs and services.
Do a little sleuthing. If you feel strongly about where your donation should go, you can earmark the money and ask the charity what happens once the specific need is met. Alternatively, consider making an unrestricted gift and let the professionals prioritize the projects that need funding. If you want to see how well the charity is allocating its money, you can check its IRS Form 990 filings, which most nonprofits are required to make public.
Let the pros do it. There are also several organizations that will do the background checking for you, among them the Better Business Bureau and Charity Navigator. Donating to international charities can get tricky (and you won't reap any tax benefits), so stick to U.S.-based charities with an international scope, says Miniutti.
Claim a tax break. To deduct your donation, you must itemize your deductions. Then confirm that you are giving to a qualified organization. (You can search for the charity on IRS.gov.) Once you make the donation, keep a record. For contributions of $250 or more, you'll need written acknowledgment from the charity. You must actually pay your pledge before the end of the year for the donation to count in that tax year; checks and charges to a credit card count even if they don't clear until after December 31.
Article Source: http://www.kiplinger.com/magazine/archives/6-things-you-need-to-know-about-giving-to-charity.html?topic_id=14
Winter Car Maintenance Tips
How to keep your car running smoothly during the cold months
No doubt the first frosts have already coated your windshield, forcing you to dig out the scraper. As you adjust to the coming chill, give a thought to your ride, and check out these nine tips that will keep your car rolling smoothly through winter's challenges.
We're assuming you've covered the basics (such as the scraper!) and are up-to-date on your car's regular scheduled service. Don't postpone that -- an annoyance in summer can be a hazard that strands you in the winter.
Don't Make Compost in Your Car
As you tackle fall's bounty on your lawn, leave some energy for removing the leaves that find their way into your vehicle. Leaves, twigs and other organic matter can cause havoc with gutters on your house -- and the equivalent on your car. When debris builds up in areas of your car where water is supposed to flow out, you can get leaks or corrosion. The air plenum near the windshield is a classic spot where this can happen. If you have a sunroof, open it up and poke around in there, too. Sunroofs have drains that flow water that sneaks past the seals down to the ground. Leaf gunk in there can make for wet headliners or worse.
Winter Tires
So-called "all-season" tires have been on the market for decades. Coupled with front-wheel-drive and anti-skid systems, they have allowed many folks to avoid mounting a true snow tire for the winter months. But there are two trends in tires you should be aware of:
Styling priorities have led to manufacturers fitting wider, low-profile tires on a variety of cars. Wide and low profile, on balance, makes a tire worse in the snow. Pressures to improve tire fuel economy have also worked against the snow utility of all-seasons.
- Winter tires have improved their behavior from the era of knobby snow tires. New tread patterns and rubber compounds make them quieter on dry roads, yet even more effective on frozen stuff.
If you choose to go with winter tires, note that vendors such as The Tire Rack and Discount Tire Direct offer packages with the tires already mounted on a new set of wheels. Switching the entire wheel for the winter is more cost-effective than having two sets of tires mounted on your existing wheels twice a year.
Wipers for Snow, Too
Fog, snow and rain will cut down your visibility in winter. Check your wiper blades, which have a lifespan of about a year. If your car doesn't have the newer "beam blade" style wipers, consider a pair, especially for the winter months. The beam style blades don't have an external spring to freeze up. When snow or other freezing precipitation threaten, pop your wipers up when you park so they're not touching the windshield. This little trick will make it easier to scrape your windshield and reduce the chance that you burn out the wiper motor by having them turn on while the blades are frozen in place.
Make Sure Your Battery is Fully Juiced
Winter puts more stress on your battery, particularly if you park your car outdoors. Avoid the sinking feeling of hearing nothing when you hit the ignition with a proactive check of your battery and charging system now. Repair shops don't usually charge very much to load-test your battery, and some car-parts stores will do it for free. If you find out your battery's going south, you can replace it at your convenience, instead of being at the mercy of whomever your dead car's been towed to. Note that some big-box stores such as Costco offer a good price on batteries for those of you willing to change one yourself.
Check Your Nethers
To improve aerodynamics and save fuel, today's cars are equipped with increasingly elaborate underbody panels and low-hanging air dams. These can be vulnerable to damage, and driving over a snowdrift in the winter could turn a small problem into a more expensive one. Take a look under the car, starting from the front, to see if there's anything loose flapping about. Maybe you can just pop it back into place. Maybe a zip tie will take care of it.
The Antifreeze
This is many people's first thought when it comes to winter car care. "Flush and fill" promotional signs abound at service stations as the weather cools. But chances are good your engine coolant (a better name for it) is just fine for the winter ahead. If you've followed your car's service schedule regularly, give this pitch a pass. Most newer cars have been fitted with coolants that can last as long as five years or 150,000 miles. Read your owner's manual.
Check Your Tire Pressure
Here are two good reasons to get down there with the gauge and unscrew the valve caps as the weather cools:
Tires lose a pound of pressure for every drop of 10 degrees Fahrenheit.
- An underinflated tire won't "bite" through snow down to the pavement as well as one at pressure. It's similar to hydroplaning on water -- and just as dangerous.
Don't forget to put the valve caps back on when you're done. Letting in moisture, which then freezes, could let the valve core leak out air.
Survival Kit of Some Sort
Everyone should have a space blanket in the car, tucked in the glove compartment or some other storage space in reach of the driver. The most complete survival kit in the world won't do a bit of good if you're upside down in a car you can't get out of and the kit's in the trunk. The shiny space blanket's ability to keep you warm could be a lifesaver -- and it takes up virtually no space and costs less than $10.
Additional things to add: whistle, plastic bag for gathering snow for water, plumber's candle & lighter, single-edged razor blade (cut up your upholstery for insulation), empty metal soup can (for melting snow with the candle). You can -- and perhaps should -- keep going (some people suggest packing a wordy novel). The more rural and remote your roads, the more you'll want.
Wax the Lights
Okay, we admit it's a little detail, but in winter's gloom and short days, every last lumen you can squeeze out of your headlamps is going to improve your safety. Here's an easy two-minute drill: Make sure the headlamps are clean of dirt, rub car wax (any type will do) on the lamps, let it dry and buff it off. And then apply a second coat. For bonus points, do the taillights. The slippery surface you leave behind will be less likely to build up an "icicle" coat when road slush refreezes on your car -- and will make it easier to remove it if it does.
Article Source: http://www.kiplinger.com/slideshow/winter_car_maintenance/11.html
Layaway Makes a Comeback
What you need to know to avoid lofty charges
Like big hair and skinny jeans, layaway is staging a comeback. Invented during the Depression, layaway was the best way to make big purchases if you were strapped for cash up until the rise of the credit card in the mid-80s. Now, with many consumers wary of making large purchases on their credit cards, layaway is becoming a more popular option once again. With the holidays right around the corner, several retailers have brought back layaway plans to help their customers make big purchases. Here's what you need to know before choosing layaway to avoid paying unnecessary charges.
What is layaway?
In a nutshell, layaway plans allow customers to pay for purchases in interest-free installments. Yes, there's a catch. Consumers pay a layaway service fee and a percentage of the total purchase cost as a down payment, and cannot take possession of the layaway item until the purchase has been paid in full. There may also be additional fees if the customer cancels the purchase or fails to make payments on time.
What's the benefit of using layaway?
Unlike making large purchases with a credit card, layaway payments do not accrue interest, so the total price of the purchase is less than if it's bought on credit. Using layaway also discourages impulse spending, since consumers can't take the item home until it's paid off. Layaway plans also do not require a credit check. While you won't be able to take your purchase home until you've paid all your scheduled installments, the item cannot be bought out from under you. This is especially valuable for popular gifts during the holidays. Some online retailers even offer layaway as an option for customers.
Tip: Make your layaway payments with cash, checks, or a debit card rather than a credit card to avoid additional charges.
Is layaway better than using a credit card?
That depends. The most common time-frame for a layaway plan is 60 days. If you're shopping for holiday gifts too late, a credit card may be the better option for those items that you need right away. Keep in mind that if the retailer you've made a layaway purchase from goes bankrupt and you're not able to pay off the item in full, you will lose it. On the flip side, missing layaway payments will not adversely affect your credit score (though you'll have to pay a fee to the retailer), and since no interest accrues on the purchase balance you'll know the exact amount of each payment.
Layaway is a fantastic debt-free option, but read the fine print first. Do the math for your intended purchase. If the layaway service charge is less than the item price with your credit card's interest rate factored in, go old-school and take advantage of layaway!
Source: Wisconsin Banker's Association via Mark Thorn


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One Life
it does not say it is real but a prs style but if you are refering to it as a knock off from the early years it sure looks like it. Copies are usually a form of flattery.
2010 Taylor 816CE
2012 PRS P22 in black gold wrap around
Wow, who knew a division of a large company like Ovation would make a replica of such a young guitar brand back in the day! At least this knock-off looks well made compared to the current Chinese particleboard knockoffs haha
Paul Reed Smith 7 - S t r i n g A c t i v i s t | Fueled by P T C

subset: commoncrawl


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Old Navy Girls Lace-Trim Leggings
Shell love these lightweight leggings with lace-trim cuffs for extra attitude! Stretch jersey for a flexible fit completes the look. fabric and care 95% cotton, 5% spandex. Machine wash. Imported. Elasticized waist Lace-trim along the l...eg openings Tag-free for added comfort Soft lightweight jersey with added stretch Read More
Sweet scalloped edges and a cozy cotton blend make these triple-roll socks equal parts comfy and cute. fabric and care 81% cotton..., 17% polyester, 2% spandex. Machine wash. Imported. Rib-knit triple-roll cuffs with scalloped edges Textured non-skid soles Read More
fabric and care 100% cotton. Machine wash Imported. Rib-knit crew neck and long-sleeve cuffs. "I Love My Mom" graphic across f...ront. Soft, medium-weight jersey. Tag-free for added comfort. Read More
fabric and care 98% cotton, 2% spandex. Machine wash. Imported. Button closure and zip fly. Riveted scoop pockets and coin poc...ket in front; patch pockets in back. Smooth, fine-wale corduroy with added stretch. fit and sizing Sits low on waist. Fitted through hip and thigh. Boot-cut leg. Read More
fabric and care 71% cotton, 27% polyester, 2% spandex. Machine wash. Imported. Rib-knit openings. Soft, medium-weight cotton b...lend with added stretch. Textured rubber at soles prevent skidding. Read More
fabric and care 100% synthetic materials. Imported. Skinny faux-leather belt, with metal D-ring buckle. Perforated shapes vary... by color. Approximately 1/2" wide. Read More
fabric and care 50% polyester, 50% cotton. Machine wash cold. Imported. Rib-knit crew neck. Short sleeves. Despicable Me 2? mi...nions graphic across front. Soft, medium-weight heathered jersey. Tag-free for added comfort. Old Navy Collectabilitees, available exclusively at Old Navy stores and online. Despicable Me 2 is a trademark and copyright of Universal Studios. Licensed by Universal Studios Licensing LLC. All rights reserved. Read More
fabric and care 60% cotton, 40% polyester. Machine wash. Imported. Built-in hood Zips from hem to neck Rib-knit cuffs and hem ...Hand-warning pockets Contrast stitching fit and sizing Hits below waist Read More
fabric and care 100% cotton. Machine wash. Imported. Twill baseball cap with molded visor brim and gentle elastic in back Logo... graphics across front vary by color Embroidered grommets at crown Interior sweatband fit and sizing XS=6-12 months; S=12-24 months; M=2T-3T; L=4T-5T Read More
fabric and care 100% cotton. Machine wash. Imported. Bodysuit features rib-knit envelope neckline; long sleeves with rib-knit ...cuffs. Snaps along inseam for easy dressing. Matching leggings include elasticized waistband with bow-tie detail and rib-knit cuffs. Available in printed or solid styles; prints vary by color. Soft, lightweight cotton. Read More
fabric and care 100% polyester. Machine wash. Imported. Mock-turtleneck, with full-length zipper from hem to chin. Hand-warmin...g welt pockets. Color-blocked upper body with pieced piping. Smooth, quick-drying tricot with plush interior. Pair with our matching track pants, sold separately. Active by Old Navy performance gear, available only at Old Navy stores and online. fit and sizing Slightly fitted through body. Track jacket hits below waist. Read More


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NickyBeats Thx nicky
my daily mental libary work and gestures.
Friends Sketchbooks:
Stephane Perez
Eternal Apprenticeship
Very nice work as always man , by the way you've just answered a thing I was wondering just 5min before coming on CA "How could I get more details and realism in my personal work" -> Do some mental library work of course ^^ ; so Thank you !
Your lines are really great ! Keep it up !
Last edited by Izzual; January 16th, 2013 at 06:29 PM.
Hey Lakai, Just browsed through the last couple of pages here. Your photoshop drawings are looking really clean and beneficial, keep it up!
Also, really like that texture ball sheet, it's inspiring me to try one out one as well.
Ahhh, I'm going to be watching you more from now on. You beautiful beautiful person you. Your lines are so tasty, and those values!!! Your material studies are rocking so hard too. Jeez, you're pretty inspiring. Keep it up!
Available for Freelance -Portfolio| Sketchbook |DeviantArt |Blog |email@example.com
Great Progress! I really dig the character designs, please post more stuff
great keep it rocking lakai ;P,some material paintings for the clothes would be nice too ,i think they may help with textile when painting again?
Keep rocking Lakai. You are doing so much awesome!
For a different approach to your gestures maybe consider working from inside out (stressed by Michael Hampton et al). You seem to be quite contour based so maybe give that a try too? This way you can have a really simple armature to work on and build the anatomy on top of that the way you would when working totally from imagination. I guess .. maybe
My Sketchbook
Fantastic sketchbook you have here Lakai. You seem to have such a balanced way of studying, and of course you're making beautiful concepts as well. I really dig the character concepts.
In relation to those hand and foot studies you are doing: they all have really smooth, clean lines do you do this kind of study after you've understood the forms underneath, or do you directly start doing these and gain understanding as you go?
All the best, I'll be keeping an eye on you!
My Portfolio
My Sketchbook
Please feel free to add a comment, I appreciate all feedback!
ceddo It depends on what my focus is. I concentrated more on lineweight with the hands. I propably would do really rough scribbles to understand the forms better. Thats the stuff im rarely showing here. I started the hands with basics shapes tho to also understand the forms better.
Whirly thx whirly, yea my approach on the gestures kinda sucks . I have hamptons book but im just on page 20 or so. I suppose u mean i should start with a stickfigure and then add the forms right?
Cerasela Thx good idea. I wrote it on my list. This list starts getting pretty long :/
SarSengo heres more. I'll try to post daily, k i'm not here in the next 2 days XD...
Zesiul thanks alot ^^
arghmisfit thx, yea try it at least once!
Izzual haha nice that u could get something out of it
I tried to use a bigger brush and drew smaller with the gestures. I think i did them way to detailed ... I rather learned more about anatomie instead of the pose itself. They look like crap now ... but yea its about improveing .
Friends Sketchbooks:
Stephane Perez
Eternal Apprenticeship
the composition came out great lakai ,work a bit more on the hands though , quite scary xD , go go
Push those poses darlin' http://www.theartcenter.blogspot.com...-drawings.html
Sketchbook Help me improve! Animations
To be an animator you have to have a sense of the dramatic, a feel for acting. You have to be a storyteller.-Marc Davis
"It's not the size of the dog in the fight, it's the size of the fight in the dog. ― Mark Twain
My peeps
Oghren Care
Holy cow Lakai, great updates on the gestures and value stuff. Nicely executed.
Thanks for the visit! The linework must be really valuable to do. I find that I grow a lot from doing line stuff, myself. It's hard too
Good stuff dood!
Nice stuff, I love your shading/colour style and how you place highlights
"Symmetry is my enemy, asymmetry is my friend but utter chaos is my lover"
Like my art? Subscribe to my art blog here: http://the-monstrum.com/
SICK...i like the violence on any type of illustration...its like watching a quintin tarantino of illustration...Keep it up
Btw i agree with wingal, push them poses
THanks for the tutorial
Sketchbook Help me improve! Animations
To be an animator you have to have a sense of the dramatic, a feel for acting. You have to be a storyteller.-Marc Davis
"It's not the size of the dog in the fight, it's the size of the fight in the dog. ― Mark Twain
My peeps
Oghren Care
1. First the Spine (in-out-in)
2. three major forms (head ribcage pelvis)
3. construction (turn into 3d forms in space)
4. Anatomy (add and subtract the 3d forms into anatomy)
The advantage of this is how much you can utilize imagination vs observation with what ever amount is useful to you at the time. With outlines you are only going to be able to memorise a limited amount before having to really be slavish to reference.
Also its just a method of learning the figure there is no need to be this slavish when actually painting awesome shit.
Anyway that's what I think but at the moment I am a still a crappy beginner and significantly worse than you so take all if this with a pinch of salt.
My Sketchbook
Great expressions you have going Lakai! Love 'm!
My DeviantART & my Sketchbook.
sick sketchbook. i should study smarter ha.
To hell with circumstances; I create opportunities.
My Sketchbook-
Hey Lakai! Sick paintings and studies . About your gestures... they are anatomically correct, but i think they can be more fluid and exaggerated. Try to use only S and C shapes and focus on body flow. I know it sounds abstract, but try to look how body parts join in kinda wave patterns Keep it up!
My sketchbook - Please, help me grow Critique very appreciated
wow dude, very cool style you've got there.. and some very nice ideas too
dude and your rendering skills are just out there! Very inspiring sketchbook to look through.
Thanks a lot for sharing, and showing some process stuff as well.
"...it had the serene look in it's eyes of a creature that realizes it's a tube on legs..." ~ Terry Pratchett
"Every child is an artist. The problem is how to remain an artist once we grow up." ~Pablo Picasso
Facebook Page
oh look who I have found :d. Really nice sketchbook, your renderings look great so far.
i really like the clean linework you use. lets really push the shape design more so that you work can be more expressive! Keep it up bro!
Sketchbook: ()()()()()()
Blog: http://mael-strm.tumblr.com/
That last illustrations kicks some serious ass, love the expression on the guys face, not much else to say really, just keep doing what ya doing
my sketchbook- http://conceptart.org/forums/showthr...=235313&page=3
will123will thx mate
JakehC thx i hope i gonna learn how to do it better by doing more of these mentallibary studies.
21st_Clover hey clover nice to see you here.
Harmageddon always forget to save some earlier versions :/.
jakubvavrik thx, i draw/think in c and s curves like u said i propably have to exegerate them more.
NyeAlexandaFrayne i dont think that i study smart, i just try out everything
Overtoom thank you. Have some more for u ^^
Whirly thank you whirly!
SarSengo hehe thx
Wing thx for the link very helfpul
TheMonstrum thx
ConnyNordlund yea i guess u learn alot about shapes that way.
Yemi775 thx alot
Cerasela scary is always good
some new stuff. The chars are still wip... like always XD
I dont know why but the characters are sorta blurry when i upload them. Does anyone know why? Its sharper when i open it in windows.
Friends Sketchbooks:
Stephane Perez
Eternal Apprenticeship
Your characters are cool and I love the expressions ! The lines are going better and better too !
Keep it up !!!
very good line poses, love your lines! About the blur issue ive seen that too but a bit different, its strange, the fact is that if i upload an image to Flickr its too sharp, actually very sharp and here looks pretty normal
love those facial expressions, great sketchbook man
Hi Lakai, the gestural drawings are looking lovely. Really nice line weights. The facial expressions are also full of character. Would love to see more.
Great expressions again Lakai , would love to see more gestures though also trying some drapery with it ,could benefit you into making your lines more fluid.


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A bone density exam is a quick and easy exam that will assist the physician in assessing your bone health. This test uses enhanced, low dose x-ray technology to measure your degree of bone loss. A bone density test is used to determine if you have, or are at risk of, osteoporosis.
How do I get a bone density exam?
First, you must obtain a written order from your physician with a valid ICD-9 code(s). Once you have a written order from your physician, call our Central Scheduling office at 607-798-5723 to schedule an appointment. Please have your written order and insurance cards ready when you call.
How do I prepare for a bone density exam?
You will need to provide a brief history including any prescription medications you might be taking. On the day of the exam, please don't take any calcium supplements or multivitamins as it will affect the results of the exam.
How is a bone density exam done?
Bone density exams are quick, easy, and painless. You will be asked to lie on a padded table for a few minutes while we scan your hips and lumbar spine.
How do I get my results?
The resulting scan, along with an interpretation from the radiologist, will be forwarded to your physician.
Where is the Bone Densitometry Department located?
Bone Densitometry is located inside the Breast Care Center in the DePaul Pavilion at Lourdes Hospital. Enter the DePaul Pavilion and follow the hallway to your right. At the end of the hallway, before you reach the double doors, turn left. Take the elevator to the Main floor. The Breast Care Center will be in front of you as you exit the elevator. When you arrive at the Breast Care Center, please be sure to sign in at the front desk.
Available appointment times range from:
- Monday: 7:30 AM -3:30 PM
- Tuesday: 7:30 AM -3:30 PM
- Wednesday: 7:30 AM -5:30 PM
- Thursday: 7:30 AM -3:30 PM
- Friday: 7:30 AM -3:30 PM
- Saturday: 7:30 AM -11:30 AM (every third Saturday)
Ask your physician if you may benefit from a bone density exam or call 607-798-5294 if you have questions about bone density exams.


text:
Border danger bigger
By The Tribune-Review
Published: Monday, Oct. 8, 2012, 8:57 p.m.
If Mitt Romney wants to pick up votes, he should commit to getting our troops out of Afghanistan and moving them to the U.S.-Mexico border ("U.S. troop deaths hit 2K in Afghanistan," "Border Patrol agent shot to death," Oct. 1, Oct. 3 and TribLIVE.com).
How long must we tolerate these obscenities? The drug traffic from Mexico is a much larger danger to this country than Afghanistan will ever be.
Wayne E. Baughman
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South Perrott Holiday Cottages
Please find below a selection of self catering holiday cottages to rent in or near South Perrott.
You searched for a property within 10 miles of South Perrott, Dorset. We found 18 cottages that match your search criteria.
Ref: 20952
Sockety Farm Cottage
South Perrott near Crewkerne, Dorset
- Sleeps 4
- Bedrooms 2
- Pets No
Special offer from£279for 7 nights
A well-presented semi-detached cottage on a working livestock farm in the rural west Dorset village of South Perrott. Ideal for a couple or family. Superb touring base. Crewkerne 3 miles.
Ref: 2896
Mosterton near Beaminster, Dorset
- Sleeps 4
- Bedrooms 2
- Pets Yes
Prices from£243for 7 nights
A semi-detached Dorset holiday cottage close to Mosterton village. Well-equipped, comfortable, open fire, conservatory, superb rural views. Beaminster 4.5 miles.
Ref: 18968
The Cygnet
Haselbury Plucknett near Crewkerne, Somerset
- Sleeps 4
- Bedrooms 2
- Pets No
Prices from£270for 7 nights
Charming, semi-detached, stable conversion in South Somerset village of Haselbury Plucknett. Well-equipped and comfortable. Woodburner. Walks and cycle paths nearby. Yeovil 7 miles.
Ref: 11250
Pleasant Cottage
Corscombe near Beaminster, Dorset
- Sleeps 5
- Bedrooms 3
- Pets Yes
Special offer from£299for 7 nights
Well-presented, end-terrace, Hamstone cottage set in the West Dorset village of Corscombe. Open fire, country views, Area of Outstanding Natural Beauty. Lovely walks and pub close by. Beaminster 4 miles.
Ref: 29984
Horn View
Beaminster, Dorset
- Sleeps 6
- Bedrooms 3
- Pets Yes
Prices from£313for 7 nights
Well-presented, detached bungalow, peaceful, rural West Dorset residential area. Edge of Beaminster town. Country views. Lovely walks close by. Beaminster 0.5 miles.
Ref: 27063
Old Yew Cottage
Broadwindsor near Beaminster, Dorset
- Sleeps 8
- Bedrooms 4
- Pets No
Prices from£415for 7 nights
An attractive, immaculately presented, semi-detached hamstone cottage in the centre of the village of Broadwindsor. Woodburner. Ideal base for families and friends. Beaminster 3 miles.
Ref: 14075
Blackberry Cottage
Halstock near Beaminster, Dorset
- Sleeps 8
- Bedrooms 4
- Pets No
Prices from£459for 7 nights
Stylish, detached hamstone cottage in Halstock. Eco friendly underfloor heating. Woodburning stove. Quality furnishings. Lovely walks close by. Yeovil 6 miles. Sherborne 11 miles.
Ref: 29979
Petite Bella
Melplash, Dorset
- Sleeps 2
- Bedrooms 1
- Pets No
Prices from£236for 7 nights
Attractive eaves apartment. West Dorset village of Melplash. Self-contained first floor wing of the owner's home. Furnished and equipped to a very good standard. Rural views. Beaminster 2 miles.
Ref: 3763
Lynch Cottage
Dottery near Bridport, Dorset
- Sleeps 4
- Bedrooms 2
- Pets Yes
Prices from£288for 7 nights
One of our lovely West Dorset cottages. A former farm worker's cottage in a rural location. Woodburner, rural views from garden, ideal for touring. Bridport 1.5 miles.
Ref: 1690
Crabbs Bluntshay Cottage
Shave Cross near Bridport, Dorset
- Sleeps 6
- Bedrooms 3
- Pets Yes
Prices from£305for 7 nights
Delightful 19th century semi-detached cottage in rural hamlet of Shave Cross. Cosy, comfortable accommodation. Short drive to Dorset Heritage Coast. Bridport 6 miles.


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You can also read manga online try the Katekin manga!
You're reading Katekin 29 online. You can try some of the related manga below or try some other manga from our manga list.
Users who read Katekin also read Tenjo Tenge, Mahoromatic, Saishuu Heiki Kanojo, Okusama wa Joshi Kousei, HEN and Ikkitousen.


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FOSDEM 2010: Marketplace for Distros
At FOSDEM 2010 in Brussels, software that was declared dead was resurrected (Hurd), known combatants sat down at the same table (openSUSE, Fedora and Debian) and almost forgotten entities raised their hands again (openSUSE for PowerPC).
In contrast to last year's FOSDEM, visitors searched in vain for a lecture series by the major distros. Instead, organizers set things on a common track: "It was exciting to find out how other projects maintain their servers," said Klaas Freitag of openSUSE. "We run our Open Build Service from a central computing center, while other distros spread their computers across the entire world." Other talks concerned themselves with the need for, and relationship with, upstream maintainers or with issues surrounding community management. In one talk, former head of Fedora Max Spevack explained to those present at "Fedora Governance" what held the project together internally.
But not only the mainstream got heard. A few visitors were amazed about an operating system making a recurrence, when Olaf Buddenhagen asserted that "The Hurd lives." The Berliner worked on Hurd for his master's thesis while still in school. Likewise, KVM kernel developer and Novell worker Alexander Graf wants to reanimate openSUSE for PowerPC. Because he's employed to port the KVM Linux virtualization technology, he'd be happy to offer the distro with the Gecko to the Power platform, he told Linux Magazine Online: "If I can find a few comrades-in-arms to help me, it can be done by openSUSE 11.3. The KVM extensions for it are already completed."
Issue 163/2014
Buy this issue as a PDF
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Tag Cloud
KDE Announces Software Compilation 4.13
New release comes with better semantic search and improvements to Kontact.
Coverity: Open Source Code has Fewer Defects
Annual code quality report shows FOSS is more secure at all project size levels.
An Even Smaller Raspberry Pi
The Raspberry Pi Foundation has announced an even smaller version of the tiny computer that will fit into a DIMM slot.
Freaky Privilege Escalation Attack
A new class of problems lets a malicious app pre-configure an invisible privilege update.
Facebook Rolls Out New PHP-like Programming Language
New Hack language adds static typing and other conveniences.
Fedora Announces Innovative Crytography Policy System
New crypto policy system will offer easier configuration and more uniform security.
Shuttleworth Calls for Declarative Firmware
Ubuntu founder denounces insecurity in proprietary, close-source software blobs.
New TLS Attack Takes the S out of HTTPS
Vulnerability affects many Linux web servers
Munich Adopts Kolab
The Bavarian capital shuns Microsoft, Google, and other alternatives to implement an open source groupware solution.
Canonical Announces Ubuntu Smartphones
Phone vendor partnerships bring Mark Shuttleworth's dream of Ubuntu on a phone a step closer to reality.


text:
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Austin >Restaurants >
Cafes >Bennu Coffee
2001 E Martin Luther King Jr Blvd, Austin, TX | Directions 7870230.279867 -97.719572
Neighborhoods: Chestnut
Twenty-four Bennu Coffee is a freelancer's/student's paradise -- not the least of which because of their electrical outlets, which hang, fire code approved I'm sure, from the ceiling. The coffee is wonderful and the food options have expanded, so when it's time for a lunch break -- or a midnight snack, depending on how the day's going -- I order a Fricano's Deli-edition Turkey Special.
Love Bennu! Probably one of my favorite East side coffee spots. It's big and cozy, perfect for getting work done. And the mocha menu is fab. Love the friendly staff and the variety of Hoboken pizza and gluten free snacks.
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Welcome to PA.
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Please contact email@example.com for sales and support.
Our online store is currently closed for maintenance.
Please visit us again soon.
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little boy came home from second grade and said , "momma, de school nurse said i had the biggest johnson in second grade, is that cause im going to bama?", she replied, "no, its cuz yo 19"
Alabama makes scholarship offer to eighth-grader
Alabama is already trying to secure the nation's top recruiting class…for the year 2017.
The two-time defending national champions hosted a junior day last weekend and Baton Rouge, La. 8th grader Dylan Moses showed up at the event. By the time it was over, the Crimson Tide were so impressed they offered Moses a scholarship, reports AL.com.
Moses, a 6-foot-1, 215-pound athlete, received an offer from LSU last summer and starred at both running back and linebacker.
"We met with Coach Saban after lunch, and he talked to Dylan about his future and what he needed to do to achieve his potential as a student and as a football player," Dylan's father Edward Moses said. "When he said he was offering Dylan a scholarship, we asked a lot of questions just to make sure we knew exactly what he meant. Coach Saban said the Alabama staff believes Dylan has a chance to be the best player in the country in the Class of 2017 and they were ready to offer him a scholarship. That's when the fireworks started going off in our heads."
i was recruited by playgirl when i was 14, so my parents bought me some "Mr Big Cream" , but it only made my hands bigger
notre dude you are what wrong with this world.you is a sick person.
So lame to do this. Give the kid a chance to grow up a bit. Plus it's only college football. YAWN...who cares. Wake us up when he actually plays real football, in the NFL.
Coincidentally, his classmate is tutoring a dozen "Bama starters.
it's easy for him at the moment because he's a man among boys. Let's see what he does at Alabama against Texas A&M against guys his size or bigger.. They're all big and fast in college.
Don't worry. This kid will get into drugs and blow it.
Didn't Matt Barkley commit to USC in the eighth grade? This isn't anything new.
I thought Penn State was the only school that the coaches actively recruited boys 13 and under
If the kids' parents were smart, they'd get the scholarship guaranteed. That way, if the kid winds up getting hurt and not being as good as he is now, he still doesn't have to worry about college, and Alabama can look stupid for this stupid move.
I hope nothiog great turns out from this signing, it is so gay....pretty ashamed to be a Tide fan these days.
they recruit as early as they can ,,schools were looking at my son when he was 13...............................................players and coaches only
What a joke! Schools are recruiting 13 year-olds now? Way too young. Things change so quickly in recruiting and promises are broken on both sides, I think if you offer a scholarship to a kid before his junior year, you are obligated to honor it for 3 years. The kids can't sign until signing day to keep them from committing to someplace too early. This would keep the schools more in line.
The thing about these child physical prodigies is that all too often their early growth obfuscates their adult potential.
Moses is dominant now, but of course he is, being a 6-foot-1, 215-pound 14 year old. However, eventually his peers will catch up in growth, and it will take other talents to continue setting him apart. So the obvious question is: will they?
you sound just like a racist pig'
Your statement reflects your outlook in life. End of story.
@Wwasright That's sick buddy. Totally unneccessay.
@BosephHeyden if the kids parents were smart, they would cam newtons daddy handle it
@BosephHeyden Alabama can't actually offer a binding scholarship until after the kid's junior year.
@leehwgoc If he keeps growing at the same pace he will be too big to be a running back. maybe a lineman by then.
@FermanPerry @Notre Dude Is he the Racist or the person who cries about race every-time someone says something they don't like. He is making the comment how 'bama has had issues with this problem. Dopes like you who try to make everything about your skin color or the other true racists. Get Out Of the Damn 60's and 70's
@eddie577 @Wwasright no, he is correct, and can spell
@buckybone @BosephHeyden And BosephHeyden looks stupid for his stupid post. Well done Boseph.


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I've created a number of NTSC short films in AE CS4. Burned onto DVD using Encore, they play fine. Now, I want to create PAL versions. I think I've worked out the equivalent comp settings to use but I'm not sure. Please can you look over the settings below and let me know if you can foresee any problems in the PAL settings and, if so, offer alternatives. Thanks.
For NTSC I use these comp settings (this is NOT for rendering; please see below for that.)
Preset - NTSC D1 Widescreen Square Pixel
Width - 872
Height - 486
Pixel aspect ratio - Square pixels
Frame rate - 29.97
If I want to create PAL versions of these films, what settings should I use for the individual comps, please?
Is it these?
Preset - PAL D1/DV Widescreen Square Pixel
Pixel aspect - Square Pixel
Frame rate - 25
The PAL width seems very big, but then that's the default when you choose that PAL preset, so I'm guessing it's right.
I add all the above NTSC comps to one final comp, which is rendered to m2v using these settings
Preset - NTSC DV Widescreen
Width - 720
Height - 480
Pixel aspect ratio - D1/DV NTSC Widescreen (1.21)
Frame rate - 29.97
If I want to render the PAL comps, what are the equivalent settings, please?
Will they be:
PAL D1/DV Widescreen
D1/DV PAL Widescreen (1.46)
25 frame rate
Thanks for any help,
Do you even need to do this? Every PAL DVD player I know about plays NTSC DVDs just fine.
Do you have any footage in your NTSC comp with a frame rate? Video? Image Sequence?
If yes, you'll need frame rate conversion software Like Re:Vision Twixtor (pricey), and use it on duplicates of the footage. You can't simply conform the existing footage to 25fps because you'll slow it down and make it longer. Failing that, you'll have to settle for weird jerky motion from your footage.
If no, or if the goofy motion won't bother you, just nest your NTSC comp in a comp created using the PAL DV Widescreen preset. You should be fine in Encore.
Hi Dave,
Thanks for helping out.
No, there are no frame rate issues. Everything was created in AE.
I've heard PAL players will play NTSC, but do all PAL players play NTSC and, if not, what percentage don't? I'd be interested in any stats that anyone has.
The problem is that this DVD is for a small commercial project that will sell predominantly in the US and UK, but potentially anywhere in the world through my website, so it has to play any and all PAL players. Any problems, and I'll get disgruntled emails, refund requests and a bad reputation.
So I could take all the NTSC comps using the settings above, nest them in a PAL comp, again using the settings above that I've listed under RENDER, and everything should be fine? Is it really that simple?
No frame rate issues? You're in luck: this is easier than you think:
Make a comp using the PAL DV Widescreen comp preset.
Nest the NTSC comp in it.
Scale the nested comp to fit in the PAL DV Widescreen comp: Cmd-Opt-f Mac, not sure for Win.
Add the comp to the render queue.
Adjust Rener Settings and Output Module as necessary.
Hit the Render button.
That's it. Seriously. No other hoops to jump through.
I've heard PAL players will play NTSC, but do all PAL players play NTSC
All of them do, but some only handle the luma, meaning you only get a greyscale output. More a problem with what chipsets some of them use in combination with how the TV set handles this. Modern LCDs with the DVD player connected via HDMI will usually work fine, if the signal needs to be fed into an older TV via FBAS/ Scart it may show the described behavior. No way to be 100% sure, so if it's not a problem to create separate versions, consider doing it.
Hi Dave,
Thanks for the extra info.
Just one thing - when you said "image sequences" I was thinking "moving images". I do have still images (photographs) in my comps (with various effects applied in AE) - will that have frame rate implications or not, please?
Hi Mylenium,
Thanks, that's interesting. A useful point I can add to the FAQ on my site. If the conversion plays out as Dave suggests it may, then creating PAL versions is definitely the easiest solution to avoid longer-term issues.
"Image Sequence" is an extremely common term in AE-Land and elsewhere. I mean REALLY common, as in, "How come you don't know something this basic?" common.
One of the best examples of an image sequence would be sequential animation cels from a Disney cartoon. Viewed separately, they're a series of pictures of Mickey, and he appears to be in slightly different positions from picture to picture. Projected at 24 fps, Mickey's dancing.
HI Dave,
Thanks for the clarification.
Unfortunately, I don't live in AE-Land - I've only got a visitor's permit!
My images are usually on screen for at least 2 seconds. However, I do have the a couple of montages that flash images up for only 6 frames at a time (at 29.97 frames per sec). Could those pose any problems in the PAL comp or are we good to go?
Thanks for your patience with this "tourist"!
Steve836 wrote:
Thanks for your patience with this "tourist"!
Yeah, well, don't drink the water here without popping one of those purifying tablets in your canteen.
2-second images are no problem in the easy method. Nor are 6-frame images... oh, some may be a frame longer or shorter than you originally intended, but if you can live with that you're good to go.
The alternative to the easy method would be to copy every layer of the 29.97 comp into an identically-sized 25fps comp and tweaking everything, then nesting it in a PAL DV Widescreen comp, scaling to fit & rendering.
Thanks for all your help, Dave.
P.S. Don't suppose you know if I can do anything similar with Premiere CS4, by any chance, please? I've some PAL camcorder footage (MTS), already edited in Premiere, that I need to convert to NTSC. (No alternative NTSC footage available.) Any chance you know how that could be nested or is the best way to convert to use something like Atlantis or AviSynth? Forum member Neil Wilkes was kind enough to suggest I convert the PAL MTS to 720x480 24p with Adobe Media Encoder, which I'll try at the weekend, but any other suggestions will be most welcome. (Lucky I stocked up on purification tablets, hey?)


text:
2-week dog foster homes needed
Foster a PAL Dog
An Ounce of Prevention for Crabapples and Pines
Fungal diseases of trees can be sneaky. Infection of leaves or needles takes place in the spring and early summer as new growth emerges and expands. This new growth is softer, more delicate, and more susceptible to infections.
Symptoms of infection may not be obvious until later in the growing season. An example is crabapple leaves that are turning olive brown and falling prematurely. Another example is pine needles that have failed to reach full size and begin to brown in their first season, leaving dead tips. The culprits in these cases are often apple scab on the crabapples or sphaeropsis/diplodia shoot blight on the pines.
"Twister" the dog survives devastating tornado
"Twister" the dog survives devastating tornado in Kentucky
One-eyed, three-legged Corgi mix now looking for new home in Wisconsin
Where Do We Find Our Employees?
We love our employees too!
After we are finished working on a property we often get asked "Where do you get your staff from" or "where did you learn all that tree stuff", and we also have a few parents ask "are you hiring? My son or daughter needs a job!"
Party with the animals June 2! Beer, wine, food, music...
Hounds & Sounds: An Anniversary Celebration
Tree Doctors Still Make House Calls
When you call Wachtel Tree Science and Service to look at your tree, a Certified Arborist will come to provide a thorough assessment of it. You may have some idea regarding how your doctor assesses your health, but what does a Certified Arborist look at when determining your tree's health or condition?
Memorial Day Scams Target Military, Families & Supporters
Memorial Day is a time to honor those who serve and remember those who have died in war. But sadly, it has also become a key opportunity for scammers to target those who are serving or have served their nation, especially elderly veterans. BBB is urging consumers and donors to be on the lookout for deals that seem too good to be true, and for disreputable charities.
The unique lifestyle of our service members makes them prime targets for scammers. It's imperative that we educate our service members and ensure that the support we give to them equals the effort they make every day on behalf of us. Scams can include those that target service personnel and their families directly, but also those that appear to be helping military members via charities.
Arms and legs bare, the two coeds sat directly on UWM grass and smiled at each other as they chatted. I slowed my bike. Would they glare at me or thank me if I said something? I kept going. The usual Pesticide Application Keep Off the Grass signs were posted, block after nauseating block, and one stood not far from the girls.
I'd already received a nut-case look from a woman when I asked her if she knew pesticides were toxic for dogs. She told me she knew. Her dog, feet in the grass, gazed at me.
"Life Below Ground"
When thinking about trees and tree health, we should be more aware of what is below ground. Healthy root systems are vital to the health and longevity of trees. A vigorous expanding root system is supported by healthy soils. Often times when the trees crown appears stressed - thin canopy, small or chlorotic leaves, branch dieback - it is the root system and corresponding soils that are the real issue.
Roots obtain water, and essential elements from the soil. Abundant oxygen in the soil is critical for respiration. A good root system anchors the tree in place. Roots also store carbohydrates for growth and tree defense.


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Rhyme TimePublished by Shelley on Fri, 09/13/2013 - 12:21pm
This week we talked about the fun of Sharing Rhymes. Mem Fox says that knowing at least 5 nursery rhymes by heart when entering school is the best indicator of being a good reader by age 8 (Fox, Reading Magic). Start sharing rhymes early to build children's reading foundations.
Here are some of the tips we shared this week in storytime classes:
- So much brain development happens in the first two years of life. Singing songs about sensory/visual objects like itsy bitsy spider and concepts like colors help your baby absorb new sights, smells, sounds, and textures and build connections in the brain. - Miss Katie
- The more you use rhymes with your kids, the better they become at picking up the smaller parts of words, which will be important as they start to read and write. This is even true for babies as they begin to grow their language skills to start talking. - Miss Gennie
- As any parent of a preschooler knows, young children love to hear the same story read over and over. When you pick books that have rhyming verses, kids pick up on the repetitive patterns. It strengthens their memories, which help them down the line. - Miss Shelley
- Once kids learn a traditional rhyme, it's fun to mix it up a bit and challenge their thinking. Change some words, add silly characters, and have fun with it. The itsy-bitsy spider can morph into the giant hairy spider, or the teensy-weensy spider, or the purple patient spider. This helps with vocabulary and phonemic awareness of how words sound and fit together. - Miss Heather
- Say rhymes with your child and ask which 2 words rhyme. Whenever you're listening to music, chances are pretty good that there are rhymes in that song! – ask your child what words rhyme in the song. - Mr. Andy
- Play rhyming games with your big kids, but don't limit yourselves to real words. Making up words that rhyme still helps kids identify sounds and isolate parts of words from the whole. Plus, it's silly fun! - Miss Gennie
What's your favorite rhyme to share with your children?


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Doug Mains & The City Folk Tickets
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Tebow most certainly doesn't deserve to be humiliated the way he is.And Lin bought his own ticket out of here. His demands were too high, and the manner in which he went about his business was horrible.
Dickey earned his chance to play on a winner, and IMO the Mets rewarded him by trading him to a team with an excellent chance to make the post season.
Tebow-he a j@ckass.
Lin- I was not happy at all with what he pulled so his exit had just asmuch to do with him as it did the knicks.Going back for more money after the knicks already said they were gonna match the other offer is why he isnt here.if they matched that offer we wouldve been hamstrung in future deals.i know he only took what houston offered but the way they went about it was just sneaky,and wrong,lin couldve been happy with his current but chose greed.besides,feltons averaging almost 17 a game,with 6 assist.and lin,other than when he plays the knicks really isnt doing much.
and as far as dickey goes,i enjoyed watching him,and hope he finds his way back here oneday and if they didnt get two of torontos top three prospects back id be upset.but i cannot be upset abut this trade.Dickey-Im not gonna sit here and say
Just ... stop.
Your cries for attention are getting old.
Are you kidding? Did you not see what transpired in Denver last year after Tebow took the reins?
Nobody deserves Lin? Are you Okay?
No wonder you don't care about having guys like Dickey on the Mets.
Did you miss the part where maybe the coach should bring Tebow in because his starter was stinking up the joint? What was the point of bringing him on to the team? I'm not calling him 'Namath', but I am calling him a winner, and guys play harder behind guys like Tebow and Dickey.
Another 'fan' that can't see a winner....
My cries for attention? My cries are for sanity. Why do you have a need to post? Does it feel good to insult another 'fan' that doesn't have the same opinion as you?
You build on that...just like you build on what Dickey brought to the club...I'm at a loss for what you're missing here... These guys aren't 'saviours', nor will they win every game, but they're winners, and guys like that you build a club around...
we have been building on dickey. where did it get us the past 3 years?
i am going to assume this is an all an act because i can't imagine someone is this delusional
delusional must be the word of the day...
You my friend are what I call 'sheeple'...you believe everything you're told as you're being taken to slaughter... How much money do the Mets ownership save this year by not putting Dickey on the mound?
I guess I don't want to wait three years...I want to win now! Did you not see our first half last year? And that was accomplished with Davis batting .150!
"I guess I don't want to wait three years...I want to win now!"
and that is what the mets problem has been for the past 6 years


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Representatives from Anniston Pump Shop, a petroleum equipment retailer, notified police of the theft Tuesday. The report stated that since Feb. 7, thieves have made off with surveillance cameras, aluminum gas pumps and pump nozzles from the company's equipment location on U.S. 431.
Anniston police Sgt. Chris Sparks said investigators believe the thefts occurred at different times, and that the suspect or suspects gained entry to the site by cutting a hole into the fence
"This could have happened all in one day with multiple people; it could have been one person going back a lot of times," Sparks said. "There are a lot of different scenarios."
Sparks said it's unclear when the business discovered the stolen equipment. Police don't have any suspects at this time.
Attempts to reach an official with the Anniston Pump Shop on Wednesday were unsuccessful.
Staff writer Brian Anderson: 256-235-3546. On Twitter @BAnderson_Star.


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Deadline - New Membership Applications
Deadline To Submit Applications
For VES Fall Membership Drive
Accepting applications through September 15th
Do you have a colleague with a minimum of five (5) years experience in the visual effects industry that you think would be a valuable addition to the Society? If so, ask them to visit the VES website to fill out and submit an online application for membership. The deadline for the Fall membership cycle is Saturday, September 15, 2012.
Each VES member may endorse up to two (2) applicants per calendar year. Endorsing an applicant for membership is a responsibility that should not be taken lightly. Letters of endorsement should be detailed and comprehensive recommendations. You received an e-mail in May if you have already written endorsement letter(s) in 2012. For important guidelines on what the VES Membership Committee requires from endorsement letters, please click here.
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Obituary: Thomas 'Tom' Tomao Jr.
Date: June 13, 2012
by: Observer Staff
Thomas "Tom" Tomao Jr., of Bradenton, died May 27. He was 61.
Mr. Tomao worked for many years at Cannons Marina on Longboat Key.
Mr. Tomao was born June 19, 1950, in Wellesley, Mass. He was an honorable veteran of the U.S. Coast Guard. After serving the country, he was recognized as a skilled and admired boat mechanic who worked as a Yamaha service manger for 30 years.
Mr. Tomao was a cook, avid crossword solver and reader. He loved fishing, working on motorcycles and car racing.
He is survived by his sister, Janet; brother, Richard; daughter, Michelle; son, Kyle; and one niece.
A private memorial will be held, followed by a celebration of life, Saturday, June 16. Anyone interested in details may send an email to firstname.lastname@example.com.
In lieu of flowers, donations may be made to Bay Pines VA Healthcare System or American Cancer Society.
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- Apr
22 Nia with Gail on Anna Maria Island
11:00 am - 12:00 pm
- Apr
23 Nia with Gail on Longboat Key
11:30 am - 12:30 pm
- Apr
23 Wine Tasting for Mote at Harry's on Longboat Key
4:30 pm - 6:30 pm
- Apr
26 St. Armands Fine Art Festival
10:00 am - 5:00 pm
A Cinderella story
A 10-week-old miniature pinscher puppy found a "happily ever after ending" at the Celebration of Pets April 12, at the Sarasota County Fairgrounds.
Pharmacy brings dose of medicine to Publix
The in-store pharmacy of Longboat Key Publix opened Monday, approximately 16 months after the completion of the new store at 525 Bay Isles Parkway, in the Shoppes of Bay Isles.
Golfer scores victory with less than a stroke
The Longboat Key Masters Golf Tournament, which took place March 28 through March 31, at the Resort at Longboat Key Club's Islandside and Harbourside golf courses came down to less than one stroke's difference between first-place winner Kevin Preston and second-place winner Michael Russell, of Longboat Key.


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One who implies sexual manipulation of the reproductive organs and/or gratification thereby, with no intention of granting the aforementioned.
Michele, the Mormon with very ample breasteses, sat on my lap and laughed at my stupid jokes, giving the impression of impending sexual interaction. Unfortunately, this was a misconception, and I ambled awkwardly off the premises attempting to conceal my titanic, raging "chubby." What a dicktease...
by Miketroy June 13, 2008
99 13
Someone who flirts and gets off with lads, but doesn't actually shag them i.e. leads them on!
a 16 yr old bitch, that knows shes fit, and abuses it.
by Adam April 07, 2004
108 52
a girl who looks pretty good and flirts with a bunch of guys but doesn't actually like them or want to have anything to do with 'em; leads people on
ex1. lifeguard who'll let you put your feet in the pool but won't let you jump in.
ex2. forest ranger who give matches to a pyro and tells 'em not to burn the forest down.
ex1. lifeguard who'll let you put your feet in the pool but won't let you jump in.
ex2. forest ranger who give matches to a pyro and tells 'em not to burn the forest down.
Hey look at that girl. She's such a dick tease, kinda reminds me of that jennifer miles girl who likes chicks.
by Cricket September 13, 2004
97 53
A girl (usually hot) that teases a man pretending she will do something sexual with him, then does not follow through
'She said she'd have sex with me, but she didn't follow through, what a dicktease'
by DefinitionMe July 20, 2004
35 11
a gurl who gets a guy hard and doesnt do anything with him
monica is a dicktease
by sexy, hottie March 05, 2005
19 8
A girl who teases the genital region of a male to the point of a rock hard erection with absolutely no intention of following through, often resulting in "blue balls"; May also constitute a quick "dick-squeeze" "dick rub" or "dick touch" NOT resulting in ejaculation.
Ken: "Lydia kept grabbin my nuts nuts last night..."
Jim: "Did you get off"
Ken: "No, fuckin bitch was a dicktease"
Jim: "Did you get off"
Ken: "No, fuckin bitch was a dicktease"
by Drew Haag May 18, 2007
13 4
A girl that tends to flirt with every possible guy around, like to get them to think she likes them but yet in the end shes next to another guy tommorow.
Erin from 8th floor Scranton Hall in IUP is a dicktease, she has been seen with countless guys around the campus flirting with them !
by appolus-radio September 19, 2007
13 6


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Use a camera snake?
The problem is how do you really know that the sewer line is damaged? If you sue and you are wrong, you will have a huge bill to pay.
Tell it to the judge - She will get a quick education in digging and fixing.
If you were to take this to small claims court, I would think you would get a judgment that would comp you for the repair.
It's quick and easy, and you don't need a lawyer. Then you could find a plumber that could fix the problem once and for all.
However, there must not be any lawyers that read this stuff, or perhaps it's just that lawyers don't give it out for free.
When my father was living, I could just ask him.
My simple course of action would be small claims, pick up the judgment money and continue on. Course it may not be that simple.
Read this little nugget from the Seattle area to find out how crazy neighbors can get.
Little crazy story about neighbors.
Neighbor's dispute escalates into all-out legal war
I had a neighbor who had put their driveway on my property 5 feet wide and 100 feet long.
It was a rental so I didn't much care but did not want to loose my property. I had offered to rent it her for $100, per year, then $50, and finally $5. A year of working with her to move the fence. First she said that she would, several months later, I offered to split the cost with her, finally I agreed to pay all cost. I showed up with a crew and materials, at which point she refused to let me work and called her lawyer. Six long hard years, later we resolved the issue. Initially before things got really ugly her title insurance was going to pay for the work. But she fought and played games, the result being that the insurance backed out and left her with the bill. I received payments from her for a long time.... But she did pay off the judgment.
Last edited by Terry; 05-18-2011 at 12:18 AM.
Never buy less than 5 acres, and be sure of no view to your house from anywhere. Live long and prosper!
Keep a BIG German Shepherd inside. You will never need a lawyer or become a statistic. A small pocket pistol helps too.
illinois plumbing code calls for a vertical separation of the sewer and water in the same trench of at least 18 inches. get a camera down the sewer to record the problem and then, sounds like it's off to court. if the contractor had it julie'd, if i understand it correctly, they still have to fix the problem, but julie picks up the tab.
Last edited by bulldog plumbing; 05-26-2011 at 08:28 PM.
Thanks for all the help everyone. Since my last post I found out that the city I live in, Rockford, IL has a Property Standards Dept. whose job it is to enforce building/plumbing codes and have contacted them about this. I now have people in the Property Standards Dept., Permit Dept., Sanitation Dept. and Water Dept. working on this problem for me. I also have the direct phone # to the Superintendent of the Water Dept. Last Thursday they decided to tell my neighbor that she has 5 days to fix the problem or her water will be shut off. Friday morning my neighbor finally called me to talk to me about the sewer line for the first time since I first told her about it last January. Up until this morning I have been the one calling her to try to get her to do something about this and calling her plumber to try to get her to fix it was well. Its amazing what I have had to do just to get her to call her plumber to fix what they broke. Unfortunately her plumber doesn't think its her fault and wants us to pay for part of the repairs. So my neighbors water line will probably be shut off next week. The Water Dept. told me if my neighbor doesn't get it fixed and they have to go out there to shut off the water line, they will do some water quality tests in the area and if they find any contaminants they will fix the sewer line themselves and make my neighbor pay for it. If they don't find any contaminants then they will basically go from one dept. to the next until one of them can up with something that will legally allow them to go onto their property and fix the sewer line.
"if the contractor had it julie'd, if i understand it correctly, they still have to fix the problem, but julie picks up the tab. "
In Rockford, IL J.U.L.I.E. only does locates for electric, gas and cable lines. You have to go to the sanitation dept. to get a locate for a sewer line but because of the age of the houses where I live (80+ years old) and how poorly the records have been kept for the area, the sanitary dept. will not give locations for the private sewer lines in my area. However I believe it is still the plumbers responsibility to locate the sewer line by hiring a locator to locate it for them.
You're right Terry its not that simple. I talked to a lawyer about it and was told that since my neighbor was the one who hired the plumber she would have to be the one to take the plumber to court and since my neighbor hasn't been willing to do anything I would have to take her to court to which would then force her to take the plumber to court. Its a big mess. I finally figured out that Rockford has a dept. called property standards whose job it is to enforce building/plumbing codes and they got with the water dept. and told my neighbor that she has 5 days to fix the pipe or her water will be shut off.
You can see the video of my sewer line on Youtube at http://www.youtube.com/watch?v=STzzJM-Xtxo. You'll have to fast forward to about 104 ft to see the pipe, before that its all black because its going through sewage.
Last edited by Terry; 05-30-2011 at 08:44 PM.


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text:
Works very good and sure beats plugging and redrilling the hole to install a standard tapered end pin. Only downside is that you will need someone with VERY small arms to install the piece on the inside of your guitar.
The NoJak does work but requires quite a bit of modification to fit into end pin holes made by a standard 1/4" acoustic input jack. A ton of sanding is required to make the plastic cowl fit with the pin inserted at the proper depth. For the customer that wants the flexibility of replacing with a jack at any time, this is certainly ideal. For the customer that simply doesn't want an installed pickup/jack, I would rather fill and re-drill for a standard strap button.
I decided to remove my UST pickup after a good number of years (I never liked the idea of having a clunky 9v battery in there). Since I don't play out often enough, I decided to invest in a good mic to do the recordings with. Minor point, I wish there was one available with the black dot like my original but the quality is great anyway. Big plus is the flexibility to go back if I ever wanted to.
I tore all the electronics out of my 1997 Gibson Early J-45 to make it lighter and to let the saddle sit lower in its slot as it was kinda high and to, hopefully, improve the tone. So, I had this gaping hole where the jack was and this was the least expensive filler. I had absolutely no installation problem like some mention here and the ebony looks original for all intents and purposes. Couldn't be happier.
I found this rather difficult to install. I like what it is trying to do, but a better design is needed.
I ordered several of these as I order many of my instruments drilled for the Fishman type Jack. I discovered that it takes about 10-15 minutes of careful work on a belt sander to sand enough material to allow the unit to fit properly. It is a great concept, but not enough thought went into the research.
I attempted to fill the end pin hole left from a Fishman Matrix in a D28. The insert was much too large and since I did not want to ream out the hole any larger, I used a large washer on the inside of the end block to hold the pin in place.
This is a great solution to an age old problem. The fitting is secure and no glue is needed. As previously advised, slightly tricky to fit but not impossible and overall well worth the effort.
It was no harder to install this than it was to remove the buttonless jack someone installed in my Sigma DR-9. It is a bit tight, but a long allen wrench did the job... no problem. I only wish these were offered in black dot, but oh well. No big deal. Thank you Stew-Mac for coming up with a GREAT solution to this otherwise time-consuming fix.
Good product, but tough to get to the allen bolt to tighten it up in the guitar. Needed a pair of vice grips on my regular length allen wrench to get it done. Hard to do inside the body.
To add items to your order, select the check box next to the item you want. You can edit the quantity you wish to purchase here, or in Your Order.
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text:
Two SEC Teams In Sweet Sixteen (But Not The Two We Expected)
March 19th, 2012 10:02 AM║ Posted By: John Pennington ║ Permalink
║ Schools: Alabama, Arkansas, Auburn, Florida, Georgia, Kentucky, LSU, Mississippi State, Ole Miss, South Carolina, Tennessee, Vanderbilt
Tags: Kentucky Big, Norfolk State, SEC, Sweet Sixteen
It hasn't been a stellar year for Southeastern Conference basketball. First, Kentucky ran away with the regular-season race. Second, Vanderbilt — which seemed to be putting things together in the SEC tourney — had more ups and downs than anyone expected. Third, Alabama had more suspensions than anyone ever dreamed. And finally, Florida had more injuries (especially a year-ender for Will Yeguete) than might have been projected.
So when we broke down the Sweet Sixteen chances for each SEC team in the NCAA tourney field last Tuesday, we projected just two teams surviving. One — the obvious one — we got right. The other, not so much.
Here's how things stand moving forward:
Alabama – We didn't see the Crimson Tide advancing from a pod that included Missouri Valley champs Creighton and #1 seed in the Midwest North Carolina. They didn't. Bama fell 58-57 in the first round despite holding the high-scoring Blue Jays well below their 80-point average. Tide fans will tell you a foul should have been called on a late Bama attempt to take the lead, but we'll tell you what we always say when it comes to officials' decisions: Teams have 39+ minutes to take the game out of the refs' hands.
Vanderbilt — We expected Vandy to slip past Wisconsin and into the Sweet Sixteen. Barely. In fact, here's what we wrote of the Commodores: "If VU's hitting their shots, they can make a long run. But if they're cold — as we've seen in previous tourneys — they can exit early." We gave Vandy the benefit of the doubt that their shooters would stay hot for two games. Wrong. In their 60-57 loss to Wisconsin, the Dores shot just 26% from 3-point range (5-of-19) and were adios'd. Top gunner John Jenkins was just 3-of-13 from the field and just 2-of-9 from beyond the arc. When you live by the three, you die by the three. Vandy does so every year.
Kentucky — Big whoop, we had the Wildcats reaching the Sweet Sixteen. Who didn't? Thanks to Iowa State's win over UConn, the Cats avoided one of few teams analysts thought might – might – be able to give them some trouble. Now the bracket is really setting up nicely for them. UK should be plenty motivated for their next game as it's a rematch with Indiana, a team that nipped the Cats on a buzzer-beater in December. Win that and they'll face either 3-seed Baylor or 10-seed Xavier. The #2 seed in the region — Duke — was ousted in the first round. Another #2 is gone in Missouri. And UK's rival #1 seeds are having their own issues — a suspension at Syracuse and a broken wrist at North Carolina. This is looking more and more like John Calipari's year. At least on paper.
Florida — The Gators are the surprise SEC team left in the field. A #7 seed due to their poor finish (they lost four of their last five entering the tourney), Florida pounded 10-seed Virginia in the opening round 71-45 and then crushed #15 Norfolk State 84-50 yesterday. Minus Yeguette, the Gators' had struggled in the frontcourt at year's end. Not in the tourney. As is the case in all tourneys, the Gators had to have a little luck go their way, too, however. Instead of playing #2 Missouri, they played Norfolk State the team that upset Mizzou. Against the Tigers, NSU shot 54.2% (32-of-59) and connected on 10-of-19 3-pointers. Against the Gators, they shot 27.3% (18-of-66) and were just 4-of-24 from 3-point range. Credit Florida's defense for some of that, but let's face it, basketball's all about who's hot on a given night. Norfolk State couldn't miss a shot on Friday. By Sunday, they couldn't throw a ball in the ocean. So now the Gators will face West #3 Marquette in Phoenix with the winner of #1 Michigan State and #4 Louisville waiting for the victor. By seeds, those are the best teams Florida could possibly have remaining in their path — #1, #3 and #4. Rough draw. But UF's surprised us once already. So we're not going to right them off just yet.
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Silverstone, United Kingdom: Formula One must learn lessons from the tragic testing crash that cost Marussia team test driver Maria de Villota her right eye and left her in a critical condition, fellow Spaniard Pedro de la Rosa said here on Thursday.
Speaking ahead of this weekend's British Grand Prix, the veteran Hispania team driver told reporters that he wanted a full investigation into the accident at a straightline test session at Duxford aerodrome near Cambridge this week.
De la Rosa, who is chairman of the Grand Prix Drivers Association, said: "We will put the facts on the table to see if there is anything we need to change to improve.
"When an accident happens, it means that something didn't work properly. We need to make sure between the FIA, the teams and the GPDA that we make changes for the future becaue it's not good enough."
Aerodynamic testing is only permitted at FIA-approved venues, so safety standards are already high, but de la Rosa is adamant that lessons can be learned from what happened.
He stressed that he has not yet received any information on the crash and said he was unwilling to draw any conclusions, but added the need for the sport to ensure that there is no repeat of such an accident.
"The first thing we need to do is understand what happened, what safety measures were taken and how the airfield was prepared for Formula 1 testing," said de la Rosa.
"We know the sole objective of making sure nothing like that happens again. But first we need to know the facts and we have no information whatsoever at the moment."
De Villota regained consciousness in hospital at Cambridge on Thursday, two days after her accident on Tuesday.


text: ST.MICHAEL'S Pipe Band will hold its annual Lunch with a Difference on Sunday, December 9, at Naomh Eanna GAA Complex. Lunch will be served from 12.30 p.m. with entertainment by various artists. Tickets are €10 and are available from band members, or from John on 087 2662041, or on the door on the day. Children eat free.