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Credit Card Debt will Kill You and Eat Your Children
Credit cards are great. I'm a huge fan. More often than not they allow you to obtain basically 1% back on purchases, give or take. (That's those points people are always going on about).
Unfortunately these are only great if you NEVER PAY INTEREST. In the case of credit cards this is simple. Pay your statement balance in full every month and you never need fear paying 15, 20 or even 25% interest.
How Bad is it to Pay Credit Card Interest?
Really, really bad.
If you maintain a $10,000 balance on your credit cards you'll end up paying something like $200 per month just for the privilege.
If you can't keep up with the interest, you'll probably have to declare bankruptcy. The interest rates on credit cards are so high that your balance will double every 3 to 5 years.
So, let's say that your $10,000 balance is getting charged interest at a rate of 25%. After 6 years the balance will be $40,000 and the annual interest will be $10,000. That's right, after 6 years your annual interest is equal to your original balance!
So How DO You Avoid Paying Interest
It turns out to be simple, but as with most things, Saturday Night Live said it best.
This is all of Personal Finance
- Don't Buy Stuff You Can't Afford
- If You Don't Have Money You Should Not Buy Anything
Problems In Life Have Solutions Which Fall on Two Axes
A solution can be simple or complex and the implementing the solution can be easy or hard. What does that even mean?
Well, it's best to learn by example, if I have a bacterial infection I can take antibiotics (for the time being anyway). This is a complicated solution which is easy for me to implement. I am not clever enough to have come up with antibiotics. (Seriously, it would never have occurred to me that some mold could be used to fight bacteria.)
A complicated solution that is difficult to implement might be Chemotherapy. The treatment is complicated, and very hard to do.
A simple solution that is easy to implement is like making yourself a sandwich. You're hungry. You just take some meat, bread and (hopefully!) veggies. Boom, sandwich.
A simple solution that is hard to implement is diet and exercise as a method of losing weight. It isn't complicated, burn more calories than you consume, but it is hard.
People hate simple hard solutions, and they love complex easy solutions. Given the choice between a hypothetical pill that would make you fit and a regimen of diet and exercise who wouldn't prefer the pill?
Reality Check
This is exactly why there are so many snake-oil salesmen in the personal finance game, there are a million get-rich-quick books. There are probably just as many lose-weight-easy books. There is no complex-easy solution to your finances, there is also no lack of people who will try to use complicated methods to bamboozle you into thinking they have an easy solution for your finances.
There is no easy solution.
There is only the simple solution.
You Must Spend Less Than You Earn
So what if you already are in a significant amount of credit card debt? Well, my rule of thumb is that you should treat anything you buy as costing 3x as much. Why?
That's a reasonable rule of thumb for how much it'll cost you after the interest.
What does this mean? Well, food is still worth buying. Need to eat, I'm willing to pay 3 times for food if that's what it costs. Need to live somewhere; willing to pay 3 times for that too. I am not willing to pay 3 times as much to go to the movies. I am not willing to pay 3 times as much to go out to eat.
So if you have credit card debt, excluding your credit card payments and interest:
You Must Spend Less Than 1/3rd of What You Earn
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Life Insurance Without an Exam?
Have you heard of No-Exam Life Insurance? Unfortunately, many people still don't know about it or may not know how to get it. This might be why studies show that 38% of people who want life insurance put it off.
Sadly, many delay getting life insurance until it's too late.
The question of whether no-exam life insurance is the right choice comes up a lot. This option isn't right for everyone, but in the right circumstances, it can be the only choice that makes sense.
So, what are those circumstances?
Age Matters
Age can be a factor in choosing no-exam life insurance, whether a person is young and healthy or "too old" for traditional life insurance.
- No-exam policies require less information, but age will always affect rates. According to Ty Stewart, owner of simplelifeinsure.com, "Rates for a young healthy person will be only fractionally higher whether you take the exam or skip it"
- Beyond age 70, most traditional policies won't offer coverage. No-exam providers may offer an option called Final Expense life insurance, available to anyone 89 years or younger.
You Don't Want an Exam
There are many reasons why someone might want to avoid having an exam for the life insurance process.
- You haven't had an exam in a while
- Fear of needles, blood, etc.
- Just too busy!
- High-risk health conditions
If it has been a while…
If you were healthy at your last exam, but it has been a couple years, it may be smart to avoid having a new exam, because there may be new health issues the person isn't aware of. These range from higher blood pressure or cholesterol to elevated blood sugar or urine protein levels.
Some of those are normal as we age, but any increase from the prior exam increases the cost of life insurance. Urine protein in particular can simply vary from exam to exam, but could also be a sign of kidney problems. Insurance companies raise rates a lot higher because of this increased risk.
Even worse, now the exam results are added to the Medical Information Bureau (MIB). Any future life insurance application with a different company will refer to the MIB and see those results.
Afraid of needles or doctors?
You're in good company. About 20% of people have severe needle phobia. Another 20% have a phobia of doctors. This means that getting an exam can be an uncomfortable, panic-ridden experience.
Fear of needles or doctors can temporarily elevate blood pressure. Higher blood pressure is a top reason life insurance companies lower a person's health bracket, increasing cost. If you're trying to get life insurance, higher blood pressure is not what you want.
Do you have [fill in the blank]?
Perhaps you've been denied life insurance coverage due to a chronic health condition, or you've recently discovered you have a high-risk condition such as diabetes.
In these cases, no-exam life insurance may be the best option available. Policy types exist for these situations, including Guaranteed Issue and Graded Death Benefit policies. The latter type requires answering a few questions but may give a lower price than a Guaranteed Issue policy.
Fast Coverage is Needed
Sometimes, a person may have reasons why it's not practical to wait the 6-8 weeks needed for a regular life insurance policy.
- Obtaining a small business loan
- Divorce decree may require life insurance to finalize proceedings
- Leaving on vacation, especially overseas
- Selling a structured settlement (such as a pension) may require a policy to protect the buyer
In these cases, no-exam life insurance is the ideal solution. Many providers will approve a policy in hours or even minutes.
Dangerous Job or Hobby
Life insurance companies will ask about a person's job, and often ask about hobbies. If the company decides that a person's job or hobby is high risk, the policy premium goes up. Sometimes, it goes up a lot.
There are some no-exam life insurance providers who don't ask about these things, and if they don't ask, they can't raise rates!
You'll need to talk to an agent, since most no-exam life insurance companies will only work through agents. But don't worry–rates are fixed by law. The cost to you is the same whether you use an experienced agent or attempt the process yourself.
Consider the circumstances discussed above. If you fall under any of these, it's worth looking into this type of policy, especially if you've been turned down for traditional coverage.
In all cases, getting a no-exam life insurance policy is faster, easier, and far less intrusive, and probably less expensive than you'd think.
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Coverdell ESA
The current tax code is a mishmash of law and loophole that's been built up over many years. In some cases, like the 401(k) the loophole was later championed by someone and made into real law. If the 401(k) was kind of an accident, the IRA was pretty much on purpose. We're going to discuss something quite similar for educational savings accounts. The 529 plan is a little more like the 401(k) in this respect. The Coverdell ESA (Educational Savings Account) was a little more on purpose.
The History
I'm just kidding. There's no way you want to know that the Coverdell came out of a big budget reconciliation act in the late 90s. (Also the one that gave 529's some of their fun tax benefits!) You also probably don't care that it was named after the senator Coverdell. Eh, even reading into this section this far should get you something. Enjoy a video I watched today as a reward:
What's the Benefit of the Coverdell ESA?
Okay, now we're getting to the stuff a reasonable person would care about. The entire point of the Coverdell ESA is that it's basically a Roth for educational expenses rather than retirement.
Let me repeat that. You know the awesome roth thingy?
The one I'm always going on about?
The one we have a video about here?
You can have that for educational expenses.
What are the Limitations for the Coverdell ESA?
Well, bad news first. You can only contribute $2,000 annually to a specific beneficiary. Beneficiaries have to be under 18, so this isn't a great way to save money for yourself to go back to school. It's really to save for people roughly the age of the kid photographed above.
Additionally, you can only contribute to a Coverdell ESA if your Modified Adjusted Gross Income is less than $110,000 for individuals and $220,000 for couples filing jointly. If your salary is higher than that, check out our article on how to keep your MAGI reasonable.
The beneficiary also has to use the account for qualified educational expenses before they turn 30. So that means if you're putting money aside for your kid figuring they'll go to school, they need to use that money in their 20's or earlier.
This shouldn't be too hard unless their waiting a real long time to get started with school:
How Do I Deal with the Coverdell ESA limits?
Well, fortunately you have some options if you have created a Coverdell ESA and it turns out to be a mistake, maybe you contributed more than your kid would end up needing in school.
Maybe your kid got a full scholarship. All kinds of things can happen.
Fortunately, you can change beneficiaries. The new beneficiary has to be a related person. The IRS doesn't want to create a market for Coverdell ESAs by allowing you to transfer to just anyone.
One major difference between Coverdell ESAs and Roth IRAs is that you can't just take contributions back out, tax free! This is a big difference in my view, as a major selling point of Roth's is that you might as well always max it out. After all if you change your mind you can just take your contributions right back out, no penalties, no questions asked.
For the Coverdell ESA you have to treat each distribution as though the money has been mixed around in the account, and you must pay taxes on a distribution as though it contains representative parts of (non-taxable) contributions and (taxable) earnings.
Best bet with the Coverdell ESA is to only put money in that you're pretty sure will get used for educational expenses by the beneficiary you have in mind or at least some under 30 relative.
What Expenses Count as Qualified Educational Expenses?
Well, I'm glad you asked. You can get the story straight from the horse's* mouth here. I'll give you a broad brush though:
First off, normal living type expenses are NOT qualified educational expenses. Room and Board, medical bills (even if they are charged by your university!) do not count. Nor is the cost of a car to get to school. Short version is, don't be silly, you know that these things aren't educational expenses. Don't be an ass about it.
Tuition and mandatory fees ARE qualified educational expenses…very probably. (I mean probably talk to a real accountant, but I'm pretty sure). Of course this is kind of the well, duh part. Tuition pays for the education it's an educational expense, go figure.
Student loans are NOT qualified educational expenses.
I know what you're thinking. What's up with that!?
Well, student loans are a way of paying educational expenses, they aren't educational expenses themselves. That'd be like calling your contributions to an ESA a qualified educational expense.
But what about interest on student loans?? Why isn't that an educational expense???
Those are deductible anyway (at least I'm pretty sure), so you're paying them with pre-tax money anyway.
Other expenses can depend, like books and that sort of thing, but the upshot seems to be that any expense required by the school for attendance can be counted as a qualified educational expense. Consult a tax advisor, be realistic.
Disclaimer: I am not a tax advisor. This is not tax advice. I'm not even an accountant. I got a BS in physics. This is for entertainment purposes only. I do not believe the IRS to be made up of horses. Nor do I believe them to be afflicted by the terrible condition known as "horse's mouth".
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When Is The Best Time To Sell Your House And Move?
Selling and moving can be both exhilarating and a little overwhelming. With so much to do in such a short time, it can be difficult to keep the logistics straight.
However, everything can be distilled down into three phases: First, consider planning when you will move out after you sell your home; second, consider finding the best movers for the job; and third, consider timing your move to reduce your costs.
After you've figured out how to take care of these three big issue, create a plan of action to prepare for the move in the most efficient way.
Let's take a closer look at these four steps:
- 1. Timing the sale of your home.
- 2. Finding a reliable mover.
- 3. Timing your move to reduce costs.
- 4. Preparing to move in the most efficient way.
- Timing the Sale of Your Home
Usually, funding and closing occur at about the same time. In some cases, funding might follow a few days after closing due to technical issues. In addition, buyers often specify in the property and sales contract when they want to occupy the property. So, you should plan to move out of your house shortly after closing.
- Finding a Reliable Moving Company
Next, you have quite a few things to think about when selecting your moving company. Find a company who has an established track record. A company like North American has done it countless times, assisting people and organizations with personalized household moves, long distance moves, company relocation moves, and international moves.
- Timing Your Move to Reduce Costs
If you can be flexible on when you close and move, then you will be able to slash moving costs. Two primary factors that affect moving costs are the season and the day of the week.
Two Worst Times to Move:
- Moving during a major holiday. The reason this is a popular time to move is because people are off work and can spend more time packing and moving. However, there are two problems with picking this time.
The first problem is that it takes away the joy of spending quality time with family and friends during a holiday.
The second problem is that a large number of people choose this time. It is the most convenient time for them because the kids are out of school and they don't have to ask for time away from work to make the move.
However, due to the fact that many people choose this time to move, there is a shortage of moving helpers and trucks, which raises the rates charged by moving companies.
- Moving during the summer. Again, while this works out well for many personal reasons, it also results in higher moving costs because demand is higher than supply.
One reason summer is popular is because the kids are out of school and moving in summer gives them plenty of time to get used to their new environment before they go to a new school.
Moving companies consider the months from July to August the busiest in the year. As a result, the can charge top dollar and have their work scheduled well in advance.
Two Best Times to Move:
- Yes, you guessed it—winter. At this time of the year, demand is low so moving prices are at their lowest. This is not only a good time to move but also a good time to rent an apartment or buy a condo or house. In short, everything is more affordable when it is cold and miserable. While it can be difficult to get motivated to pack and haul all your household belongings to another location when the weather is bad, from an economic point of view, it's the best time.
- The second best option is fall or spring. Again, there is less competition and it's easier to get lower moving costs. However, this often doesn't work out well for personal reasons if you have a busy work schedule or have kids. Choosing this time in the year can result in schedule interruptions and breaking the flow of busy routines.
Best Days to Move:
Finally, according to the Money Saving Guide, "The best days of the week to move are during the middle week — from Monday to Thursday — because most people plan their moves for the weekend."
Moving in the Most Efficient Way
Naturally, the more efficiently you can move, the more likely you are to hit all your target times from the sale of your house to the season when it is cheapest to move.
With that in mind, here are 4 tips to move as efficiently as possible.
- 1. Start as early as possible and work out your move in detail on a calendar.
- 2. Declutter your entire home to avoid paying the cost of moving things that you no longer want to keep anyway. By trashing, donating, or giving away things, you reduce the bulk of what you have to pack or transport.
- 3. Take care of all your paperwork ahead of time like paying a variety of expenses, arranging services, and canceling subscriptions.
- 4. Get professional help with packing. By working with a professional staff, you will be able to choose the right boxes, packing equipment, and inventory all your belongings.
When selling your house and moving, consider using these four steps to organize your move.
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Your Worthless 401k
One of my favorite stories in tax law is how the 401(k) came to be. I realize the bar here is pretty low. I mean, what's your favorite tax law story?
Well, the setting is the late 70's. It's the middle of the Carter administration. For years rich folk had been attempting to play a shell game with their earnings. This is an important thing to remember about the income tax code in the post WW2 period before the 80's. Some folks (alright, lefties) like to point out that the top tax bracket used to be, like, 90%. What they fail to point out is that massive amounts of income could be sheltered from the income tax one way or another. One of the ways was for rich employees to have their company defer their compensation into the future, but also to invest that money on their behalf. That way the employee effectively gets control of the money, but doesn't actually have to pay taxes on it because it's not income yet. This was an ongoing debate between corporations and the IRS for 20 years or so. (Apparently this is covered in Hicks vs US but I can't seem to track down the actual cases as it seems that people named Hicks sue the US all the friggin' time).
So in 1978 the government tries to put a limit on this loophole once and for all, they introduce section 401(k) to the tax code to limit the amount of money that companies can defer on behalf of employees. The next few years are pretty quiet until a benefits consultant by the name of Ted Benna figured out that it could be used to create a retirement plan as a general benefit for employees. Johnson and Johnson then installed one of the first 401(k) plans. There were some changes to the law after congress saw (or was lobbied regarding) what was going on and promoted the status of the 401(k) from what was essentially a loophole to a cherished part of the tax code.
It's hard to remember what the retirement situation was for people before the 401(k). When I ask people about it I usually hear idiotic things like, "everyone had a pension". This is just incorrect, what it's so disappointing to see blog posts like this one from slate: Even the People Who Pushed the 401(k) Think it's Been a Huge Mistake. Go ahead, and read it.
For those of you that can't be bothered the article basically reads as, the 401k is so bad even the people who suggested it wish it hadn't happened, the 401k isn't working for most people, suggested fixes for 401k's won't work, "life has become too expensive for people to save adequately",
and, to top it all off, we should just increase social security payments.
To be fair this article was written Helaine Olen, who seems to be a relatively well-respected columnist who writes about, among other things, how the personal finance industry takes advantage of people. One hopes that this article doesn't reflect the overall quality of her thinking, let's deal with the article point by point.
The People Who Supported the 401(k) Now Oppose It
This simply isn't true. You can certainly get most of them to say something negative about 401(k)'s. Benna was at one point quoted referring to the 401k system as a "monster" that "needs to be blown up". It takes a little digging to discover that Benna actually thinks that 401(k)'s are superior to the system that they replaced. He was merely saying that most companies offer too many confusing options for their employees, and that educating employees on investing was probably causing more problems than it was fixing. Of course, reasonable people explaining the issues with 401(k)'s make for terrible headlines. The fact that most of those issues are mostly under your control makes for terrible headlines. "You should probably save money for retirement: make sure you buy and hold". Does not generate many clicks. Some variant of: "The System Is Stacked Against You: Perfect Excuses for Any Situation!" tends to work better.
The 401(k) isn't Working for Most People
This is the closest Helaine comes to the truth. It's absolutely true that most people haven't saved enough for retirement to continue to spend the same amount of money they spent before retirement. Unfortunately, that's kind of a bonkers standard. The important question is, does the 401(k) work better than the system it replaced? If so, how do we continue improving?
Can we all go ahead and remember that the 70's were not a magic time where there was no poverty, everyone had a pension, and money grew on trees? Back when "everyone" had a pension before the 401(k), "everyone" turns out to be: 38% of private sector workers. Yup, 62% of those workers weren't covered by a pension.
Today 13% of workers have access to a private sector pension. So, when "everyone" lost those pensions, what we really mean is 25% of private-sector workers, who might have had pensions in the past, don't.
Switching jobs under a pension scheme caused some issues. Occasionally companies offering the pensions go bankrupt. In principle if you have a pension from a company that went bankrupt you should be covered by the Pension Benefit Guarantee Corp, but this corporation only existed for 5 years before pensions peaked.
Many people don't have access to a 401(k) at their work, but those that don't can still save in an IRA like everyone else. Yes, the contribution limit is low (currently $5,500), but it's not as though you literally have nothing (as you would have in the pre-401k and IRA days).
One last quibble, Helaine acts as though the stock market crash permanently damaged portfolios. If you just sat on a diversified mutual fund, like a target-date fund or almost any sort of index fund, you have recovered far more than you lost in 2008 at this point.
Yes, some people panicked and sold at the bottom. Some people kicked up their contributions at the bottom. Why do only the people who did stupid things with their money count? Retirees sometimes waste money gambling, that doesn't create a retirement crisis. The fact that some people did stupid things with their money isn't the fault of the 401(k).
Poverty rates among seniors are at all time lows, and that's relative poverty rates, if you use measures of absolute poverty the picture is even better. The percentage of american's covered by retirement plans of some sort are at all time highs. The percentage of men over the age of 65 working sits at 23% compared to 35% in the 70's. This despite the fact that people are now healthier and more capable of work.
Suggested Fixes for 401(k)'s Won't Work
Economist Richard Thaler suggests some fixes:
- Auto-enrollment
- Auto-escalate
- Company match
- Low fee default
- Offer to employees without plans
Helaine responds:
Unfortunately, it's more complicated than that. Many companies already do auto-enroll their workers, but as of now employers aren't required to even offer a 401(k) and they're certainly not required to offer a match—and if they do match, they can stop at any point. Given the political climate in Washington, it's hard to believe any of that will change soon.
Yes, many companies already do auto-enroll their workers, but Thaler doesn't suggest this thinking that no one has ever tried that. It's precisely because auto-enrolling workers has shown to be effective, that he suggests it. The whole second part of her point is that employers aren't required to do any of these things, therefore they will never happen, because it's not politically feasible. That's just completely bonkers, especially considering her alternative:
Just Increase Social Security Payments
Yeah, the lady who two paragraphs earlier had just dismissed 401(k) plans to have a low fee default as politically untenable is suggesting that raising social security payments is the real solution to the retirement crisis.
Let me break down precisely what's wrong with this. Your social security contributions go into the social security trust fund. This fund is invested in government bonds which on average have returned 1.6% real over the past 100 years. Over the last 100 years the stock market has returned about 7% real. If you plan on funding retirements from contributions people will have to "save" (be taxed) much more through social security than they ever would with a 401(k) to maintain the same standard of living. The fact that money in a 401(k) is invested productively as opposed to government bonds is just too great a gap. If you don't believe me, do the math yourself. How much do you need to be taxed for a 1.6% real return to pay for a 30 year retirement at the same standard of living you had pre-retirement. (The fun part is that you don't need any extra information to solve this particular puzzle).
The upshot is that the author would prefer to supply seniors with money through an expansive welfare state disguised as a pension program, therefore any progress 401(k)'s have made when compared to the pension world of the past is simply ignored. Any reasonable improvements to the current system are dismissed out of hand.
Astute readers will note that I skipped her other point, "life has become too expensive for people to save adequately". That's a whole 'nother blog post.
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Is the Trend Your Friend While Trading?
Trends in Forex Trading are divided into three major categories. They can be either long-term trends, intermediate trends or short-term trends. Understanding how to use these different types of trends to your benefit will make them your friend. Being able to identify a trend and which category it belongs to will serve you well in your Forex Trading.
The Forex market is driven by trends in macroeconomics, and these often take years to establish. The best use of these trends is to help you make long term projections. Traders often check the strength of a trend using a combination of three moving averages. A moving average is when the total of the trades is divided by the number of trades and this gives you an average price for the trades.
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subset: commoncrawl


text:
Millions of people across Britain feel personally threatened by constant pestering and a quarter of the population under the age of 35 said they knew someone who had been a victim of stalking or "persistent pestering", either face-to-face or on the telephone.
The NOP survey followed claims by Diana, Princess of Wales, that she was the victim of media intrusion after being at the centre of a street scuffle outside a west London gym.
The Princess said she had been harassed by a photographer and called for privacy following the row.
The NOP study indicated the problem affected more people than celebrities. The survey of more than 1,000 men and women aged over 15 showed 19 per cent of people from the South felt personally threatened, compared with 12 per cent in the North. More than twice as many women than men said they had faced threatening behaviour of some kind.
The poll showed 17 per cent of people aged between 35 and 54 said they felt threatened by a stalker, compared with 11 per cent aged over 55.
According to NOP's consumer research director, Tony Lees: "In the South there is a much more cosmopolitan atmosphere and people come and go more. There is less of a strong sense of togetherness and community in large cities.
"Maybe there is an element that in the South people are prepared to talk about it more," he said.
Mr Lees believes it could be some time before the new Protection from Harassment Act, introduced last December, had any effect on the problem.
The measure was proposed to deal with stalkers but has been widened to encompass all forms of harassment.
- More about:
- Photographers
- Princess Of Wales
- Privacy
- The Royal Family


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Dedicated to the University of North Dakota hockey. The team formerly known as the Fighting Sioux. "I would rather get a colonoscopy than cheer for NDSU in anything." - @goon48
Tuesday, November 26, 2013
Boston Bruins: Torey Krug O.T. thriller
Thank you Michigan State. Torey Krug has become kind of a rock star in Boston. The Boston Bruins (16-6-2), first in the Eastern Conference are 7-0-2 in their past nine game at home. Torey Krug also has points in three straight games (1g-2a—3pts) and has scored (7g-8a—15pts) on the season and is fourth on the Bruins in scoring.
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Adult Kung Fu
Our kung fu class is based on traditional Shaolin teachings and methods, but designed to be fun and also to contain a great workout. The class incorporates basic flexibility training, a cardiovascular workout, self-defense, and will help to increase your speed and coordination. It's a great way to get fit and focused, and increase your self-confidence. We strive to help you develop physically and mentally, offering not just physical fitness, but also a sense of well being and community. Adult Kung Fu classes are kept separate from the kids classes.
At the school, you will find supportive instructors and senior students ready to welcome you into our class. Our instructors are specially picked by Master Liu based on their skills and their ability to teach. We are very proud of the environment at our school, in which everyone is supportive and we all help each other to learn and progress together in our training.
The kung fu curriculum starts with many open hand forms and basic simple self defense techniques. As you progress, the forms and defense techniques become a bit more complex, but they build upon the basic foundation of the early movements. Eventually the student will progress onto weapons and weapon fighting sets, such as the staff, broadsword, straight sword, spear and even more. Since the Shaolin temple was a "university" of martial arts, there are innumerable techniques and weapons contained in this system for our students to become proficient in.
"Kung Fu" & Wu Shu
Gong Fu or Wushu is a collective term in Chinese meaning Martial Arts. But Kung Fu or Gongfu is in fact can be a colloquialism meaning skills, accomplishments completely non-related to Martial Arts.
Today's Wushu often in the west refers to modernized sports Wushu, which in Chinese literal equivalent of "Chinese martial art" would be Zhongguo wushu.
Kungfu at our institute is traditional Wushu which is a traditional Chinese combat sport, holistic healing as well as an art form, all of which emphasize both internal and external aspects of martial arts, with combat fighting movements as its main contents. It has two main categories: routine exercises and free combat fighting as its forms. Wushu, a time-honored sport in China, traces to as early as the clan community in primitive societies (before 2600 B.C.). Kungfu is a more familiar general term for Chinese traditional Martial Arts, especially Shaolin Kungfu.
Kungfu has form routines, and combat fighting such can be practiced in Kungfu pairing, defense and offense fighting as well as Sanshou/Sanda and Qinna-Shuaijiao.
"Shaolin Kung Fu" (Gong Fu)
- "Shaolin Kung Fu" (Gong Fu) inherited by the Shaolin Institute, was evolved from the over 1500- year old Shaolin Temple, China which in fact is the actual practice of Chan freedom of mind and freedom of body movements expressed in Kung Fu form. Shaolin KungFu applies thousands of bodily motions to express our minds, our emotions and our thoughts.
- Shaolin Kung Fu is for attaining harmony, to increase an individual's health, mental attitude and encourage a deeper awareness and focus. We also strive to have our students become positive community representatives. This begins with the instructor's attitude towards teaching and towards their students. You will be encouraged in every step along the way to make sure of your progress.
- Shaolin represents traditional Chan culture, symbolize the ancient way of loyalty and integrity and a way of life that leads to inner freedom of thinking and freedom of thoughts and freedom of expressions.
- Today's Shaolin Kung Fu practice is no pastime but the most serious path in life. Kungfu is a Chan way of life, meditation in Chan to recover our true-self to be outgrown, our ego.
- Shaolin Kung Fu is a Chan way of life in practice, a step-by-step body and mind experience of meditation, of mindfulness and tough physical motions, along with a complete change of the accustomed life. Shaolin Kungfu is Chan in reality like "boiling oil over a blazing fire". If we wish to travel in depth in Kungfu, to have enlightenment in Chan, we must go through scorching experience before the truth of Kungfu Chan smiles upon us. It is not an easy task.
- Through the expression of Shaolin Chan Kungfu meditation of infinite motion, we see the infinite possibility in life and we discover the third eye we have all forgotten we have. We see our sub- consciousness filled with countless possible images, so as to provide us power to see into the nature of our own being that may lie hidden.


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This unique workbook has been created specially to support you on your healing and personal development journey, and is a beautifully illustrated A4 format journal. Based on the principles of the EFT Personal Peace Procedure as well as helping to bring your hopes and dreams to reality through the Abundance Worksheets, the workbook, supplied as an electronic document, will offer you the flexibility of either printing out the whole book or indivudal sections that you may choose to work on at your own pace. You can order your copy now through the PayPal Cart on this website, or read on to find out more.
All profits from sale of the Workbook between September 2012 and April 2013 will go to support the Sri Lanka Counselling Training Project.
The workbook assumes some basic familiarity with the standard EFT procedure.
Content includes:
* Commitment Statement
* Introduction to the Workbook
* Abundance Worksheets (36 pages) for twelve major life domains: Love & Intimate Relationships; Work & Career; Money & Material Abundance; Learning & Self Development; Home & Environment; Family Relationships; Friends & Social Relationships; Fun & Leisure; Spirituality & Connection; Creativity; Health & Self-care; Changing the World
* Personal Peace Diary (52 weeks over 104 pages) including one EFT Tip and an inspirational quote for every week of the year
* Appendix with EFT links and resources
* Approximately 70 beautiful colour photos to stimulate and inspire you
"The My Personal Peace and Abundance Workbook is a truly valuable tool for those wishing to create structure with ease in their self-help with tapping. It is designed in such a way as to assist the user with helpful suggestions, easy guidelines to follow and delightful pictures to inspire along the way. I am thrilled with my purchase and look forward to many wonderful tapping times ahead." (Pauline Swanson, Queensland, Australia)
"This workbook is brilliant and the sort of thing every EFT student and possibly the committed personal development client would benefit immensly from." (Barbara Saph, EFT Trainer www.hampshire-eft-training.co.uk)
My Personal Peace & Abundance Workbook (ISBN 978-0-9571902-0-7) is initially available as an eBook only (PDF format) and costs £7.95. Order your copy through the PayPal cart.
By purchasing your own copy of the Workbook in electronic format, you gain the right to share it with and print extra copies for the members of your immediate family.
The eBook will be delivered into your inbox within 24 hours of order.
If you are an EFT Practitioner and are working, or would like to work, with complex issues such as addictions, compulsions and eating problems, you may also be interested in the EFT Practitioner's Handbook of Addictions, Self-harm & Eating Disorders.


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Ford has added a new limited edition warm hatch to its Fiesta line-up - and it?s no more expensive than the sportiest model currently on offer.
The new limited edition three-door Fiesta Metal is priced at $22,990 plus on-road costs, and receives a minor power bump over the range-topping Zetec mode. Its 1.6-litre four-cylinder produces 98kW and 160Nm (up from 88kW and 151Nm on the regular Zetec hatch).
The increase comes courtesy of a revised air intake and exhaust system, and revised engine mapping means there?s an extra 300rpm to play with in the rev range.
Unlike the rest of the Fiesta range, the Fiesta Metal is sourced out of Germany, is only available in ?Panther Black Metallic?, and gets other blacked out bits such as the 17-inch alloys and piano black interior highlights and heated black leather seats.
Other standard goodies include reach-adjustable steering (not available on the other Fiesta models built in Thailand), sports pedals, leather-wrapped steering wheel, shifter and handbrake, and door scuff plates.
Exterior changes include a full body kit, silver grille and twin exhaust tips, and the Metal model rides on lowered suspension for a sportier drive.
The Fiesta Metal is limited to just 250 units.
While the limited edition Metal is no rival to the Renault Clio RS , Citroen DS3, VW Polo GTI, or Skoda Fabia RS, that role in the Fiesta lineup will be filled in 2013 when the new Fiesta ST performance model arrives here.


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They are: She's All That, 10 Things I Hate About You, and now, Never Been Kissed. All treading some familiar ground: high school sucks.
Continue reading: Never Been Kissed Review
The Stooges frontman Iggy Pop awarded France's 'highest honor'.
Guns N' Roses have grossed $230m from their 'Not In This Lifetime' tour so far.
Jason Drucker is Greg Heffley in the upcoming movie based on the novel of the same name.
Ford attributes his career success to films that pass 'from generation to generation'.
Wow. It's only April, and I've already been to three proms this year.They are:...


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The Harold Grinspoon Foundation, a results-driven, entrepreneurial non-profit organization headquartered in Agawam, Massachusetts, is seeking a Community Builder to help create, implement, and promote PJ Library programming in New York City, Long Island and Westchester. This professional will both expand the reach of PJ Library and deepen the engagement of families in Jewish life. The position is based in New York City.
BackgroundPJ Library®, an award-winning international Jewish family engagement program created by the Harold Grinspoon Foundation (HGF), strengthens Jewish identities and serves as an outreach and family engagement vehicle, using bedtime story books as its core. In partnership with hundreds of philanthropists and Jewish organizations, PJ Library delivers the gift of free, high-quality Jewish books and music each month to families raising Jewish children.
PJ Library in New YorkIn North America, the PJ Library program operates in most cities through one partner organization that runs the program at the local level and funds part of the cost of the program. New York is unique, in that many partner organizations have been implementing the program to families living in select neighborhoods. These organizations have brought PJ Library to over 20,000 families raising Jewish children. In order to scale the program further, PJ Library is launching a new model, with one central administrator, "PJ Library in New York." This new administrator will be responsible for the administration of PJ Library across all of New York's five boroughs, Long Island, and Westchester.
For more information about the organization, visit www.hgf.org and www.pjlibrary.org.
Duration: Full-time, with option to go part-time (please indicate on cover letter) Location: New York, New YorkSalary: Commensurate with experienceTo Apply: Please email cover letter and résumé to: email@example.com. Applications without cover letters will not be considered. No phone calls, please.
The Harold Grinspoon Foundation is an equal opportunity employer. All qualified applicants are invited to apply.


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It might therefore seem little short of commercial masochism for the Edinburgh University Press to be launching this week the first three volumes of a new uniform edition. In reality, there are good academic reasons for the venture, and the cost will not be high.
The editorial logic behind the project lies in Scott's modus scribendi. Having made a considerable name as a poet and anthologist, he published virtually all his novels anonymously. Since his crabbed handwriting was instantly recognisable, the manuscripts had to be copied by someone else, a process that introduced many errors. Other changes were introduced by the printers, who were given a licence to alter or supply punctuation and correct what looked like errors.
Yet more alterations were made by Scott's publishing partner, printer and editor, James Ballantyne, who even - as we report today - censored some of the author's more indelicate passages, decorous though these were by today's standards. The editors of the new edition have studied all the variants, and chosen the version that seems truest to the author's intentions and times.
Scott himself habitually wrote very rapidly, especially - of necessity - after his partner Ballantyne became involved in 1826 in the bankruptcy of the Edinburgh publisher Archibald Constable. Scott himself was left with a debt of pounds 120,000 - several million pounds in today's money. He committed his future literary earnings to repaying it. Such was his commercial success that he succeeded in doing so by the time of his death, with the aid of a new collected edition of his Waverley novels.
Among those who benefited as a consequence were the publishers' creditors, including the Bank of Scotland. The bank had further cause for gratitude: in the same year of 1826, the Government planned to curtail the right of Scottish banks to issue their own notes. Scott penned the Letters of Malachi Malagrowther in their defence, to such effect that the Government was obliged with withdraw its proposal. Scottish banks still issue their own notes to this day, and those of the Bank of Scotland currently bear a portrait of Sir Walter himself.
As a further gesture of thanks, the bank is subsidising the new edition. Scotland's universities are also contributing, since the literary detective work is being done by academics. Whether the new edition will inspire a Scott revival cannot be foretold. But it seems likely to render those ancient editions all the more unsellable.
- More about:
- Banking
- Bank Of Scotland
- Publishing
- University Of Edinburgh


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I love Bobbi Starr's cunt. It so perfectly proportioned. Her sounds and facial expression also turn me on, big time!
I did that with may boss once
It's fucking obnoxious to constantly gag yourself,this entire blow job was like "watch what I can do are you impressed?" Over and over,annoying and hot are very different things
We get it you can deep throat,it gets old seeing it so much and we'd much rather you actually suck it
Enough with the irritating gagging,it's ok once in awhile but so many women seem to think it's the only way to suck and it gets really annoying when so many girls do it
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The late Empress Verdiacee was one of the most influential indigenous women (Muurs) in the modern history of the United States.
Few words could do justice to the height of her Brilliance, the breadth of her achievements, nor the depth of her Spirit.
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To learn more about this Giant of Modern Politics, who has been systematically mis-represented and mis-understood stay tuned.


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Remedy Leadership Institute (RLI) is 2-year, post-secondary hands-on ministry and leadership development school that will transform and build your life. Our ministry partnership with Southeastern University will enable you to receive a great education and earn your degree at a fraction of the cost. In addition, our Leadership Streams and Leadership Tour will provide direct application of the skills and knowledge that you will acquire and offer you the opportunity to grow in your God given gifts. We believe that today's high school graduate should not rush into something they are unsure of and risk valuable time, energy, and resources. That's why that during these pivotal years, a place like RLI can strengthen the foundation of your faith, build your character, and know just not what you believe, but why you believe it. Our goal is that you will discover your God given destiny and lead the way in being the remedy for our broken world.
I had a call to missions and RLI gave me the training and experience to help me develop my calling. The leaders have personally invested in my discipleship and have challenged me to grow and go beyond what I thought I could do. ~Mckenzie Murdock
RLI has impacted me by allowing me to express my creative arts abilities in ministry. RLI has put me in a position to hear my purpose from God and grow as a leader. ~Noah Willet
RLI has given me a hands-on approach to ministry education. I'm not just learning about ministry, but also being given the opportunity to then apply that knowledge by being placed in real-life ministry situations. ~Bryar Bullock
At RLI, we believe that a leader's core values will guide them in life and in leadership. That's why we adopted into One18 Movements' Leadership code. The code will be instilled in everything we do and will help students become the strong trustworthy leaders God is calling them to be.
THERE'S NO WORK LIKE HARD WORK - Philippians 2:14. The best leaders have instilled the ability to "make it happen."
ABOVE & BEYOND - 1 Corinthians 8:7. God gave his very best and so should we. We don't compromise and settle for mediocrity.
ATTITUDE = CHOICE - Philippians 2:5. Your attitude is a reflection of what's going on in your heart.
YOU EARN IT - 1 Peter 2:17. Respect is earned. If you want to be respected, you must first show respect.
WE > ME - Psalm 133:1. There is no "I" in team. We will live, laugh, and learn together.
EVERY MINUTE EVERY DAY - Ephesians 6:7. The truth is that serving helps us know who God created us to be..
RLI students will gain a scholastic education that will equip and prepare them to be the great leader God is calling them to be . We offer our academics through a Ministry Partnership with Southeastern University and through Hillsong's Ministry School at Freedom Life. Southeastern University courses are online and ministry school classed meet once a week for live lectures. We will provide a positive atmosphere where students can learn and have discussions. Below are the educational details.
As a student of RLI, you will be enrolled in the FL Ministry School at Freedom Life Church. It's a new updated approach to growing in God's Word and leadership. For Year 1, we have partnered with Hillsong to feature Hillsong Ministry Classes. These classes include: Theology, Lifestyle, Bible, and Leadership and they consist of lectures, discussions, and assignments. For Year 2, we offer Freedom Life Classes that include: Christian History, Apologetics, Leadership Development, and Spiritual Coaching/Mentoring. All of these elements empower participants to grow deeper in faith and confidence. Students will earn a certificate of completion at the conclusion of each year.
RLI Students will gain a practical ministry education and experience by being equipped and trained in the weekly ministry classes, the Leadership Streams, and on the Leadership Tour in these following areas:
The passion of children's ministry is to provide kids with hope and show them love through the message of Christ.
Generation next is a digital complex group of young people God wants to change and transform.
Through Human Video, Garbonics, Drama, and Spoken Word, students will learn how to use these ministry tools effectively.
The ability to lead today is invaluable. Godly leadership provides the necessary tools to effectively minister in any vocation.
Our missions discussions, lectures, and outreaches will prepare students to effectively engage in one-one evangelism.
God has established the local church to be a lighthouse and a spiritual hospital to those lost in darkness.
Have opportunity to mentor and minister to students on a daily basis all summer. You will be an example in faith, word, and action.
Will lead and train teams in the areas such as garbonics, human video, spoken word, children's drama.
Will direct and facilitate outreaches in local parks, block parties, sports camps, movie nights, etc..
Will have opportunity to meet and sit down with local leaders and pastors.
Will have opportunity to share the gospel and fulfill the Great Commission.
Will receive hands on leadership coaching and mentoring from the One18 Movement.
The Leadership Streams will assist RLI students in experiencing and documenting practical hands-on and reflective ministry in the local church context at Freedom Life. The goal of this experience is to assist the students via service opportunities, training, and interaction with local church leadership to evaluate and measure growth in further defining and enhancing their ministry callings and gifts and to be stretched in the practical ministry context. Students will commit to at least 2 Leadership Streams that they are passionate about and will receive a grade upon completion.
Learn how to minister and disciple students, lead small groups, and engage behind the scenes at 24/7 Youth Ministries.
Learn how to minister and disciple kids, teach in small groups, direct games/activities, and help lead retreats at FL Kids.
Learn how to use and develop your talents and gifts to lead yourself and others in worship.
Learn how to defend your faith and effectively evangelize by engaging in outreaches and community events.
Learn how to effectively use audio/visual equipment and social media in a ministry context.
Learn how to manage events and engage in weekly operations by assisting church office staff.
The costs of RLI is based upon the educational track of each student. These are annually estimated costs based on a fall and spring semester. Additional required textbook costs may apply.
E-Mail: firstname.lastname@example.com
Address: PO Box 659 | Gap, PA 17527


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On my lottery stats i have hit 2 pick 3 so that would be $80 won but instead it says on my prediction stats that i have won $330. Where does $330 come from? tia
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Originally posted on Fangraphs | Last updated 9/18/13
There are a lot of different ways in which a dinger can be exceptional. It can be the fastest pitch hit for a dinger all season. It can be the slowest pitch hit for a dinger all season. It can be the longest or the fastest dinger all season. There exist plenty of exceptional dingers, and not too long ago, Miguel Cabrera hit one, against Phil Hughes. Hughes threw a pitch to Cabrera that PITCHf/x measured at almost two feet inside from the center of home plate. No matter — Cabrera hit it out, and what's more is that it didn't even look like it was a problem for him. The homer wowed everyone who watched, but according to Jim Leyland, that was something Cabrera could top: What's really stunning, [Leyland] said, is when Cabrera takes that same pitch — a pitch, by the way, that jams most right-handed hitters and results in either a foul or a weak grounder — and pounds it to the opposite field for a home run. Ponder the physics of that for a second. According to Leyland, Cabrera has gone the other way for a homer off that inside pitch off the plate. Maybe Leyland was referring to what Cabrera has done with the team in batting practice. He hasn't actually done what Leyland claims, at least not in a game, at least not in the PITCHf/x era. Mostly because that would be impossible. We don't need to exaggerate Miguel Cabrera's plate coverage; Cabrera's true plate coverage is already an exaggeration. The fact of the matter is that it's really hard to hit an inside pitch the other way. It's harder still to hit an inside pitch well the other way, and you can imagine how few inside pitches are hit well the other way down the line. It's just a violation of physics, a practical impossibility given the nature of swings and where batters stand in the box. All right, now we proceed. This isn't what this post was supposed to be about. This post began as aimless research. I wanted to combine home-run data from the ESPN Home Run Tracker with PITCHf/x data, because I hadn't ever done that before. I didn't know what I was going to do once the data was combined, but I assumed I'd figure something out, at least to sate my own curiosity. I'll just walk you through some stuff quickly. The first thing I did was turn lefties into righties at the plate. That is, instead of separating data for left-handed hitters and right-handed hitters, I blended them, and reversed the pitch-location data for pitches thrown to left-handed bats. Basically, I wanted to be able to look at inside pitches and outside pitches and the like, without dealing with two handednesses. With the Home Run Tracker data, I also reversed the horizontal launch angle. From the site's glossary: Horiz. Angle – the initial direction of the ball as it left the bat in degrees, where 45 degrees is straight down the right field line, 90 degrees is straight over second base and 135 degrees is straight down the left field line. I reversed those numbers for lefties so that pulled home runs for lefties looked like pulled home runs for righties, and so on and so forth. Eventually, I copied the zone chart from Baseball Savant. That chart includes 13 zones: nine squares dividing up the strike zone, and four zones dividing up the rest. This is something ugly I produced without knowing what to make of it: A legend: Zone number Average home-run distance Average home-run speed off bat Average home-run elevation angle Average home-run horizontal angle I was interested in that, but I wasn't satisfied. There's interesting information, a lot of it intuitive or obvious. The longest home runs, on average, are hit on pitches in zone 8. The fastest home runs, on average, are hit on pitches in zone 4. That makes sense, because that's when a hitter's bat speed would be its greatest, when he's wrapping around an inside strike. Inside pitches are pulled for home runs. Outer pitches tend to go more up the middle, and beyond. Home runs on outside pitches have lower elevation angles, by a degree or two. There's a whole lot in that chart, and there's a whole lot more in the spreadsheet, and I haven't even begun to scratch the surface. A problem is that it's selective for balls that were hit for home runs, so all of them are guaranteed to exceed a minimum threshold. This would be far more useful with HITf/x data instead of Home Run Tracker data. But to go all the way back, this post is supposed to be about a really exceptional dinger. Jim Leyland was talking about Miguel Cabrera going the other way for home runs against inside pitches. Clearly, we can gather from the graphic that this is unusual. Remember that a horizontal angle of 90 degrees is up the middle. Less than 90 degrees means a home run hit at least to the opposite half. The most opposite-field home run in zone 13 was hit by Joey Votto, with a horizontal angle of 72.9 degrees. With a pitch that low, Votto was somewhat able to get his arms extended. The most opposite-field home run in zone 7 was hit by Mark Trumbo, with a horizontal angle of 69.4 degrees. Trumbo, also, was able to get his arms extended. The most opposite-field home run in zone 4 was hit by Trumbo as well, with a horizontal angle of 65.7 degrees. Arms, extended, everything. We move on to zone 1. The most opposite-field home run in zone 1 was hit by Josh Donaldson, with a horizontal angle of 58.1 degrees. These are pitches high and tight, so there's only so much a hitter can do with his arms. The next-most opposite-field home run in zone 1 was hit by Chris Colabello, with a horizontal angle of 79.4 degrees. So that gives you a sense of how much Donaldson's dinger stands out. For more of a sense, some images taken from the ESPN Home Run Tracker: That's Colabello on top, and that's Donaldson on bottom. Colabello went out to right-center field. Donaldson went out down the right-field line, against this fastball: That's a tailing fastball at 94.4 miles per hour. In motion: The pitch to Donaldson crossed the front plane just over half a foot inside from the center of home plate, 2.9 feet off the ground. There have been 346 home runs off pitches at least half a foot inside from the center of home plate, and at least 2.5 feet off the ground. Donaldson's dinger had a horizontal angle of 58.1. The next-lowest for such a home run was 86.1. That's not a pitch that gets hit out the other way. Donaldson hit it out the other way, down the line, for a walk-off. Leyland, afterward: "We got no complaints about that," manager Jim Leyland said. "The guy hit the ball over the fence. It wasn't like we walked somebody. The guy hit it over the fence. You gotta tip your hat to them." Donaldson, afterward: "I was looking for a fastball," Donaldson said. "He throws pretty hard. I didn't want to be overaggressive. … I didn't know it was out because I never hit one over there." This season, Miguel Cabrera and Josh Donaldson have been two of the league's most outstanding regular players. This season, Miguel Cabrera and Josh Donaldson have authored two of the league's most exceptional home runs. In these ways, Miguel Cabrera and Josh Donaldson are alike. And, think about that sentence. It's a wonderfully baseball sentence.
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USS Conecuh (AOR-110)
|Nazi Germany
|Class and type:
|Schichau-Werke, Danzig
|Laid down:
|6 June 1936
|12 June 1937
|20 July 1938
|Captured, May 1945
|USS Conecuh
|Schichau-Werke, Danzig
|1938, as Dithmarschen
|15 January 1946
|In service:
|2 May 1946, as USS Dithmarschen (IX-301)
|Out of service:
|24 October 1946
|USS Conecuh, 1 October 1946
|AO-110 (Fleet Oiler), 1 October 1946
|16 February 1953
|3 April 1956
|AOR-110 (Replenishment Oiler), 4 September 1952
|1 June 1960
|Transferred to the Maritime Commission, 3 April 1956
|General characteristics
|Replenishment oiler
|8,820 long tons (8,962 t)
|584 ft (178 m)
|72 ft (22 m)
|31 ft (9.4 m)
|four MAN nine-cylinder Diesel, two shafts, 22,000 shaft horsepower (16,000 kW)
|23 knots (43 km/h; 26 mph)
|12500 nm (23200 km) at 15 kn
|3 x 150 mm, 2 x 37 mm, 4 x 20 mm; 8 × 40 mm guns (U.S. Navy)
USS Conecuh (AOR-110) was a fleet replenishment tanker, originally built by F. Schichau, Danzig, in 1938 as a combination oiler and supply vessel or "Trossschiff" for the Kriegsmarine and christened as Dithmarschen. Taken over by British authorities at Bremerhaven when World War II ended, Dithmarschen was allocated to the United States Navy on 15 January 1946 by the Inter-Allied Reparations Commission.
To support naval operations in the Atlantic Ocean, the German Navy ran trials with various vessels in the 1920 and early 1930s. After testing two vessels of an intermediate type, the design evolved into the Ditmarschen-class. Six were built altogether, one of which was never completed. As Germany did not possess any ports on the Atlantic Ocean or any overseas bases, the Dithmarschen-class combined the roles fulfilled by tanker, repair ship, ammunition ship and dry cargo ship. The ships were even equipped with a small hospital. The main cargo were almost 9,000 tons of fuel oil and 400 tons of lubricating oil. As it was probable that the ships were underway for an extended time, the range was 12,500 nm at 15 knots. The maximum speed was 23 knots. A heavy armament was fitted, consisting of three 15 cm/L48 guns, two 3,7 cm and four 20 mm anti-aircraft guns and eight machine guns.[1]
Dithmarschen, or Ditmarsh (in the oldest form of the name Thiatmaresgaho, Dietmar's Gau), a territory between the Eider, the Elbe and the North Sea. In U.S. service, her name was changed to Conecuh on 1 October 1946, after the Conecuh River in Alabama.
Service history[edit]
Ditmarschen was being overhauled at the beginning of World War II. From June to November 1940, she supported the battleships Scharnhorst and Gneisenau during Operation Weserübung, the invasion of Norway. In November, she refueled the cruiser Admiral Hipper during her operations in the Atlantic Ocean. Scharnhorst and Gneisenau were again supported in the Atlantic Ocean during Operation Berlin in early 1941. Between October 1941 and December 1942, Ditmarschen operated in the Baltic Sea, supporting German ships during Operation Barbarossa. For the remainder of the war, she operated off Norway. At the end of the war, she had returned to Bremerhaven, where she was taken over by the British.[2]
Dithmarschen was allocated to United States 15 January 1946. She was placed in service 2 May 1946 as USS Dithmarschen (IX-301) with Captain A. W. Maddox, USNR, in charge. Departing Bremerhaven 8 May she arrived at Philadelphia Naval Shipyard 19 May for conversion to a naval vessel. The need for a one-stop oiler-replenishment type ship had been illustrated by the war in the Pacific, and Dithmarschen was used for experimental work in this field since she had been developed specifically for this type of duty. She was redesignated AO-110 on 1 October 1946 (the construction of USS Conecuh (AO-103) had been cancelled on 18 August 1945), but lack of funds delayed her conversion and she was placed out of service on 24 October.
Her classification was changed to AOR-110 on 4 September 1952 and she was converted to a fleet replenishment tanker. Conecuh was commissioned 16 February 1953, Commander M. B. Freeman in command. Following her shakedown in the Virginia Capes, she steamed to Greenock, Scotland to take part in NATO Operation "Mariner" (16 September-20 October). She sailed for a tour of duty with the 6th Fleet in the Mediterranean (5 March-28 May 1954), then underwent an extensive overhaul at Norfolk (30 June 1954 – 4 January 1955). She remained at Norfolk except for refueling units at sea, operations in the Caribbean, and off the Florida Keys (25 October-7 November 1955), until decommissioned and transferred to the Maritime Commission for retention in the Maritime Reserve Fleet 3 April 1956. She was stricken from the Naval Register on 1 June 1960.
Conecuh proved the feasibility of the combination oiler-replenishment ship; experience gained during her operations led to the development of the fast combat support ship (AOE) in the United States Navy.
See also[edit]
- ^ "KMS Dithmarschen". GlobalSecurity.org.
- ^ http://www.wlb-stuttgart.de/seekrieg/km/versorgung/t-schiffe.htm
This article incorporates text from the public domain Dictionary of American Naval Fighting Ships.
- "Conecuh". Dictionary of American Naval Fighting Ships. Retrieved December 29, 2006.
- "Dithmarschen". German Naval History. Retrieved July 13, 2014.
- "KMS Dithmarschen". GlobalSecurity.org. Retrieved July 13, 2014.
External links[edit]
- Photo gallery of Conecuh at NavSource Naval History
- One stop replenishment is history


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Alcove Kellen Square Pillow - Multi - Size: 16"x16"
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- Alcove Kellen Square Pillow
- 16" square pillow
- Polyester, polyester fill
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- Color: Multi
- Size: 16"
- Description
- This soft pillow is made of high-quality pre-shrunk fabric, washable and no fade color. You can custom your personalize pillow shams for bedroom Decoration and protect your pillow.It is also a well designed gift for someone you like.
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Masters of communication and content creation. Spreckley need to convey a presence online which matches their reputation in the market. A company of huge influence, and effectiveness. We created a digital strategy with them, that lives up to their incredible brand;
Masters of content
With such a wealth of experience, and success stories our strategy was based around exposing the Spreckley digital audience to the true nature of the business. Live communications updated daily, mixed with a brochure of satisfied clients using a variety of services.
Mixed content messaging
A homepage that delivers insights from the world of Spreckley, mixed with case study and services information. We wanted to create an experience that truly reflects the nature of a communications expert. Focused, and constantly communicating.
Confidence in a heritage of success
Spreckley work hard on their relationships with clients. They nurture the bonds to ensure real results for them. We wanted to deliver that message by demonstrating relevant examples. That means understanding every audience members route through the website and exposing them to content which will matter to them.
Responsibly responsive
Responsive design isn't optional. Spreckley knew that they didn't have control over the devices that people used to engage with them, so responsive design is a natural choice. It delivers an experience across all devices that allows the audience to easily consume their content.


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The Heroes' Fund was established in 2007 to provide one-time financial support to combat veterans, or active duty military serving in a combat zone, and their immediate families who are facing financial hardship through no fault of their own. Applicants must reside in Butler, Hamilton or Warren Counties to qualify.
Honor our Veterans and Service to our Country: We believe those who wear our country's uniform do so with a sense of duty, knowing they support the causes of freedom. We serve by assisting them and their families.
Do What's Right: We are committed to the highest standards of ethical conduct in all we do. Honesty and integrity engender trust, which is the cornerstone of providing our services. We are careful stewards of the resources provided by our donors.
Respect Others: We recognize that our success depends on the talents, skills and expertise of our volunteers. We appreciate our diversity and believe that respect-for our colleagues, clients, partners, and all those with whom we interact-is an essential element of all positive and productive relationships.
Perform with Excellence: We understand the importance of our mission and the trust our clients and donors place in us. With this in mind, we strive to excel in every aspect of our activities and approach every challenge with a determination to succeed.
The Heroes' Fund assists military families of combat veterans or those coping with a combat deployed primary financial provider in a combat area and injury recovery as they struggle with devastating budget issues. Financial struggles exacerbate an already difficult time of life. We provide one-time financial assistance to service members and their families as they take corrective action to resolve their financial situation. Financial assistance is in the form of checks paid directly to mortgage lenders, auto mechanics, contractors, hospitals, doctors, dentists and other providers.
Who We Help:
What We Cover:
Requests are handled on a case by case basis. We Generally Do Not Cover:
Sometime even heroes need help. Our combat service members, veterans and their families are heroes to us. Some are everyday heroes and some are uncommon ones. Most would not consider themselves heroes, rather they tell us they were just doing their job. Doing their job means preserving our freedom. Please help us continue to help them.
For more information about the Heroes' Fund, please contact Karen Gibbs, Director of Programs & Marketing at 513.682.8061 or email@example.com


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When Julie surveyed who would be interested in testing an Android phone I was intrigued. Recently Julie evaluated the iPhone 7 and found that she preferred the Android environment over the iPhone. In contrast, I have used an iPhone since the 4S came out and now I have an iPhone 6 as my main phone… Read More
There is no such thing as a perfect smartphone. I know because I've been trying to find one for longer than I care to remember. There's also no such thing as being 100% happy with the phone you have. At least this is true for me. There's always some feature that I wish my current phone… Read More
Unless you've been living under a rock, you know that things haven't been going so well for Samsung the past week or two. With a recall in effect due to faulty batteries, I'm afraid it's going to give the Samsung Galaxy Note7 a bad wrap. Dave Rees and I have teamed up again to share… Read More
It's been over a year since I posted my review of the Google Nexus 6 (made by Motorola) and two years since I posted the Motorola DROID TURBO review. They sure aren't kidding when they say that time flies when you're having fun. Now it's 2016 and we have two new flagship phones from Motorola that… Read More
It's been two years since I reviewed a smartphone from HTC. That's forever in smartphone years. It's been so long that they were completely off my radar until they released their latest phone - the HTC 10. Verizon Wireless sent me a loaner unit to try out for a few weeks. Is the HTC 10 impressive… Read More
Verizon sent me short term loaner unit of the LG G5 a couple weeks ago and I've been holding off reviewing it until I received the camera grip module. Since the grip module isn't due to get here for another week or so, I thought I'd go ahead and split the review into two parts… Read More
The verykool Spark LTE SL5011 Android phone is an affordable alternative to other Android smartphones in the market right now. We here at The Gadgeteer have received a few of these to review, so let's take a look at this Spark LTE SL5011 and what features are packed in this 5" smartphone. Note: Images can be… Read More
LG will introduce the LG Stylus 2 next week at the Mobile World Congress in Barcelona, Spain. This phone, a sequel to the G4 Stylus, will be available in the United States later this year. It features a nano-coated thin-profile stylus tip that provides real pen-like feel and allows for more accuracy when note-taking and drawing compared to a rubber-tipped stylus. The LG… Read More
When I reviewed the LG G2 three years ago, I wasn't convinced that LG's decision to locate buttons on the back of the phone was a good idea. Who ever heard of putting volume buttons on the back of a phone instead of on the side? At that time, no one had done it before, but then one year… Read More
This is a sponsored post written by me on behalf of Huawei. All opinions are 100% mine. I had heard of Huawei, but had never really paid attention to their devices before now because they were mainly only available outside the US. Pronounced "Wah-Way", Huawei is a mobile technology company that is based in China… Read More
Dave Rees and I have been waiting for what feels like years in gadget time for the Nexus 6P. We each ordered one on the day they were announced and waited over a month to receive them. During that time, Dave had second thoughts about the 128GB version and cancelled in favor of a 64GB… Read More
This is a sponsored post written by me on behalf of Huawei. All opinions are 100% mine. When I mention the brand name Huawei, is it one that you recognize? If you answered no to that question, then you are not alone. But Huawei hopes this is all about to change and I think it's… Read More
Samsung's newest top-end smartphone is the Samsung Galaxy Note 5. How much has it evolved since the Samsung Galaxy Note 4 was introduced last year? Should Note 4 users consider upgrading? Those are just a couple of the questions that I'll answer in this review. Let's get started. Note: Images can be clicked to view… Read More
BlackBerry isn't the first platform that I think of when it comes to smartphones. But in a world where it's difficult for a smartphone to stand out from the crowd, the BlackBerry Passport is obviously different. But is it different good or different bad? Let's find out. Note: Images can be clicked to view a… Read More
The bar for any smartphone or smart device keeps going up no matter what tier its specs and build quality put it in. This, in conjunction with the middle and entry level device pricing continuing to come down, only means a better and better bang for the buck. Add in the fact that Samsung and… Read More


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Detail desription
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Apartment 1
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Apartment 3
Detail Description and Price list
Katrafilov Villa is a four floor Building including basement and attic
floor. The built area is 125,7 sq.m in a plot, owned by the investor.
The building is situated in the Northern part of Sunny beach summer resort,
Nessebar municipality in Delphin holiday zone. The property is only 70
m from the beach boundaries as follows: South-west - Helena Resort, Sunny
Beach; South-east and North - Holiday village Delphine; South - Bora-Bora
hotel. Delphin Holiday Village is next to Sveti Vlas Sanatorium (Spa Zone),
famous for its unique climate. The place is perfect for lung deseasestreatement
and prevention.
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Last Reviewed: April 2017
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Latest College & Financial Aid News
Beyoncé Drops New "Formation Scholars" College Scholarship Program
April 28, 2017
by Susan Dutca
Beyoncé just dropped the news of her new college scholarship initiative, The Formation Scholars program which will award free college scholarships to four females at the following participating schools: Berklee College of Music, Howard University, Parsons School of Design and Spelman College. [...]
Marijuana-Funded College Scholarship Program to Aid Colorado Students
April 25, 2017
by Susan Dutca
The $1.3 billion marijuana industry in Colorado is tackling the $1.3 trillion national student debt crisis by using its tax revenue to help students pay for college. Pueblo County will be the first to use cannabis-funded college scholarships for education funding, money that once "fueled criminal empires." [...]
College Scholarships for Moms
April 21, 2017
by Susan Dutca
Being a college student can be daunting, period. With the surplus in coursework, responsibilities and stressing over college debt and expenses, college students are high-anxiety all year round...not just around finals time. On top of that, some student-parents must manage going to, and paying for college while raising and paying for their children. Fortunately, there are great financial aid resources and college scholarships reserved for students who have families; including students with dependent children, single mom scholarships, and single dad scholarships! With Mother's Day right around the corner, indulge in these exclusive free college scholarships- for your accomplishments as a student and mom. [...]


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Altiplanic Lagoons
Tour to the Altiplanic Lagoons, Miscanti and Miñiques, and to the Atacama Salt Flat and its Chaxa Lagoon. Includes breakfast and visit to Toconao and Socaire.
- Price per person:
- CLP$ 30.000 per person.
- Time:
- 6:00 am to 1:00 pm.
- Duration:
- 7 hours.
- Included:
- Hotel pick up, shared transport, bilingual guide (Spanish and English) and breakfast.
- Not included:
- Entry ticket to Chaxa Lagoon (CLP$ 2.500 per person) nor entry ticket to Altiplanic Lagoons (CLP$ 3.000 per person).
- What to bring:
- Warm clothing, comfortable shoes, warm hat, sunglasses, sunscreen and water.
- Restrictions:
- Not allowed for children younger than 7 years.
- Not allowed for people with problems related to the altitude.
- Not allowed for pregnant women.
- Cancellation Policy :
- 48 hours.
We will go out from San Pedro de Atacama to the south, going across the basin of the Atacama Salt Flat. First, we will visit Toconao town, its San Lucas Church and its old orchards. Then, we will go to the Atacama Salt Flat, the largest salt flat in Chile and the third one in the world. There, we will walk through the trails of the Chaxa Lagoon, habitat of the three flamingo species present in Chile: Andean, Chilean and James.
The trip goes on to the Altiplano, where we will visit the Altiplanic Lagoons, called Miscanti Lagoon and Miñiques Lagoon, placed at the foot of volcanoes and the Andes. Their unique color-scheme of intense blue and the company of beautiful vicunas, create a magic natural scenery. Finally, we will visit Socaire town, kown for its pre-Hispanic farming terraces.
*The tour time is from 6:00 am to 1:30 pm until August 13, and from 6:30 am to 2:00 pm from August 14.
*The order of the visiting places is subject to changes the same day of the tour.


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Managing Databases with Visual Studio
Download this episode
Developers have had a rich set of options for managing their projects, source code and dealing with change for a long time. Visual Studio Team Edition for Database Professionals (aka DataDude) now lets database developers streamline their development experience too. In this session, Greg will show how it can be used to manage database schema changes, compare schemas and data, assist with making schema changes and analyse T-SQL code for quality. He will also show how unit testing can be applied to database code and data can be automatically generated for testing.
For more information, check out this course on Microsoft Virtual Academy:
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Poll: Where do the Mariners most need to improve in 2014?
Last night, the Mariners got five solid innings from Taijuan Walker, but again didn't score all that many runs and would up blowing yet another game late. Oh yeah, and they played in front of their all-time smallest crowd at Safeco Field, which is to be expected when you are 14 games under .500 and playing a team destined for roughly 110 losses on the first Monday night of the NFL season when ESPN is offering up a pigskin doubleheader.
Anyone for a Mariners doubleheader? Thank God for Safeco Field's roof, huh?
So, yeah, this season will go down as yet another epic disappointment. There is always the promise of next year, and the year after that, which is generally what it's all about in sports since only one team wins a championship and all the others have room for improvement.
It's along those lines that I'll ask today's poll question: where do the Mariners most need to improve?More
Comments | More in poll | Topics: rotation; bullpen; outfield; improve


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Announcement I love making quilts and I hope you love them too. "Blankets wrap you in warmth - Quilts wrap you in love."
I love making quilts and I hope you love them too. "Blankets wrap you in warmth - Quilts wrap you in love."
JL Jones on Mar 1, 2017
Beautifully made! We used them within 20 minutes of their arrival.
Marisa Roberts on Feb 24, 2017
Great quality, very cute. Looking forward to giving them as gifts.
Marjorie Witt on Feb 23, 2017
I can see why you felt you just had to make a quilt with the charm pack you had found, this is beautiful! I liked it on line, in person it is even more beautiful!!! Glad to have this!!!!! Love it!
NannyGrans Quilts on Etsy
The name of my shop was easy to come up with. My sweet grandson called me Nanny from the first time he said my name. Grans is my last name. So it was easy to become NannyGrans.
I started making quilts when I retired in 2006. My main purpose of retirement was to help my daughter after she returned to work. I am probably old fashioned, but family caring for family is the best way to grow up. William was a baby when I started and he entered fourth grade this fall.
I didn't have a lot of time to quilt when he was little. I also didn't have a lot of room to quilt. After we put an addition on our home, I grabbed the "guest" room as my sewing room. My etsy shop was then born.
My favorite part of quilting is the cutting and piecing. I also enjoy the sewing together process. I am constantly amazed at my final piece of artwork. I have an idea in my mind what they will look like, but they always blow me away when I look at the finished product.
I have never been to a quilting class or participated in an online course. I have taught myself by reading quilting books and just being brave and jumping in. I have come a long way since I started in 2006 and expect to continue on my journey for many more years to come.
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I've always been a fan of Denon's A/V components and their newest line of receivers reinforces my infatuation. The sexy new boxes will include HDMI 1.3 inputs and support for both Dolby TrueHD and DTS-HD. There aren't that many devices out there that support HDMI 1.3, but we've already seen some upcoming Samsung HDTVs that carry the new spec, which allows for better color support and a smoother HD image. A nice way to future-proof your home theater set up if you ask me. So what else does Denon have in store for us? Well, for one, their high-end model (AVR-4308CI) will have built-in Wi-Fi for Internet radio (a nice bonus on a receiver).
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