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The 401(k) Fee Blame Game: Who's Next?
Chances are you've read about the flurry of cases recently filed against nearly a dozen 401(k) plan sponsors, alleging fiduciary breach by allowing plans to levy unreasonably high fees. Regardless of the legal outcome, the complaints are creating a buzz while encouraging plan sponsors everywhere to reassess their own situation.
In a recent client alert, law firm Dechert LLP wrote that "Under ERISA, an employer that provides a 401(k) plan to its employees is a "Plan Sponsor" and may also serve as "Plan Administrator." Both the Sponsor and Administrator are fiduciaries of the 401(k) plan. ERISA requires that that the Sponsor and Administrator ensure that fees borne by the plans be reasonable, and be incurred solely for the benefit of plan participants. In addition, 401(k) plans generally provide for participant-directed investment and are designed to comply with the rules under ERISA Section 404(c) which permit Plan Sponsors and Administrators to avail themselves, under certain circumstances, of a statutory safe harbor from fiduciary liability for the results of such investment elections. The safe harbor under ERISA Section 404(c) is available only where the fiduciaries allow the participants "the opportunity to obtain sufficient information to make informed decisions with regard to investment alternatives available under the plan."
More recently, Mr. Robert J. Grassi (Director, Pensions & Investments – Corning Inc.) and Attorney Michael J. Prame (Principal, The Groom Law Group) addressed this important issue as part of the Association for Financial Professionals Annual Conference – "401(k) Plan Fees: What You Need to Know and What You Need to Do." Citing concerns such as lack of fee transparency, hidden costs and potential conflicts of interest, Grassi and Prame provided audience members with a laundry list of types of direct and indirect compensation, respectively.
Both gentlemen talked about "the other shoe still to drop", adding that the U.S. Department of Labor is "formulating guidance that would essentially require plan fiduciaries, before contracting with a service provider, to consider the indirect compensation to be received by the service provider." They described a basis for imposing this obligation on fiduciaries in the form of the Frost/Aetna letters whereby "fiduciaries have a duty to obtain 'sufficient information' about the compensation that service providers receive from third-parties so that plan fiduciaries can make 'informed decisions' about whether the amounts that the plan pays are reasonable." Expected U.S. Department of Labor initiatives to amend 408(b)(2) regulations are likely to accelerate additional disclosure about plan fees.
Regulatory and policy-making scrutiny is on the rise. As we wrote in an earlier post, the U.S. Department of Labor wants to amend Form 5500, Schedule C, to include more stringent information about fee arrangements with service providers beyond what is currently required. U.S. Congressman George Miller has requested a report from the General Accounting Office about pension fees and the SEC reported on the relationship between pension consultants and fees in 2005.
Noteworthy is the sentiment that company decision-makers in the hot seat today will likely be followed by external plan fiduciaries next. According to attorney Stephen D. Rosenberg, author of the Boston ERISA & Insurance Litigation Blog, "Given the number of different advisors and other players involved in the operations of these types of retirement vehicles, there are bound to be plenty of fiduciaries – as that term is understood in the context of ERISA – involved in almost any 401(k) plan, making for plenty of targets for such suits."
One thing is certain. The spotlight will not dim on the fee issue any time soon.
Editor's Note:
The paper about fees by banker Ed Lynch, attorney Fred Reish and Dr. Susan M. Mangiero, Accredited Investment Fiduciary Analyst will be completed soon. We have created a list of recipients who requested our paper.


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Christmas VIP Party
Chinese portal Christmas is here and it's time to party!
Creative Time Media and UKgonglue.com cordially invite you to join us for our annual Christmas Ball and Party. Eastern culture meets Western tradition as London's sexiest people converge for a night of festive fun and frolics!
This year we will be hosting from the magnificent The Tower Hotel. Located next to Tower Bridge, the hotel gives beautiful views of many of London's greatest landmarks, so don't forget to bring your camera.
On the evening there will be sumptuous cocktails and canapes, two amazing guest singers (Chinese and foreign), a DJ playing the tunes… even Father Christmas has said he'll clear his busy diary wrapping presents to pop along, and, he's going to be bringing lots of presents!!
So get out your glad rags and come join us for an unmissable evening of joy and good tidings!
This is going to be our biggest and best event of the year - so don't miss out. Book your tickets now!
Thank you to all of our wonderful sponsors:
1. Dentexcel dental clinic is delighted to be giving away an extraordinary £1,500 worth of amazing dental treatments!
2. London I is proud to be offering a lucky winner £580 worth of Korean style eyebrow beauty treatments!
3. Wang Dynasty are happy to be sending a lucky couple to Edinburgh for a getaway break worth £500!
4. Skyland Education will be making one lucky recipient the owner of a funky new iPad Air worth £319!
5. Napoleon's Casino & Restaurant are delighted to be giving 4 guests a surprise package worth £300!
6. Little Lamb - The Best Hotpot in London - are inviting a group of 12 to come enjoy a fabulous feast at their restaurant worth £300!
7. New China London are giving away £200 of the finest red wine and a further £100 to dine!
8. Student.com are providing a wonderful photo booth for all our guests to take home a wonderful momento of this amazing evening!
9. Qi Mu Tian Online Supermarket are giving away £300 of delicious food packages!
10. Xiang Yuan are providing £50 of scrumptious dumplings!
11. Original Dragon Restaurant are offering a £100 Christmas dinner!
12. Kay & Co are providing a £200 gift voucher for KTV and entertainment!
13. Italian restaurant Rustik are offering a £200 food voucher!
14. Tian Fu Jiu Wu are giving away £200 for KTV!
15. Duanmu Private Dining are giving away £200 of gift vouchers!
16. Yours Selection LTD are splashing two luxury bottles of Dom Perignon worth £320 on a lucky winner!
17. Zhu Youyou have generously donated 4 packages of exceptional tea worth £29!
18. London Beauty are giving away a tailored personal beauty makeover worth £500!
19. Yang He Jiu Ye are lavishing two bottles of fine spirits worth £200!
Date: 13th Dec, 2015
Aganda: 7:30PM – 8PM: Arrival & Welcome
8PM – 10PM: Socialising & Lucky Draw
10PM – 12.30PM: Party & Prize Give-Away
Adress: GUOMAN HOTELS (The Tower)
ST Katharine way London E1W 1LD
Buy Ticket: £25/per
Dress Code: Smart casual
Email: firstname.lastname@example.com
Contact us: 02037518136
Keren Mok World Tour perform at Eventim Apollo, London
2016 'St. Marry Cup' UK and China Entrepreneurship and Investment Award Officially Opened in London
Uk China Entrepreneurship & Investment Awards - Summit
Karen Mok Regardez World Tour

subset: commoncrawl


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The Rev. Martin Luther King Jr. holiday is on Monday, so now we're dealing with the usual shows of disrespect that tend to pop up this time of year.
This time around, though, I'm not complaining about the MLK retail sales you see advertised from time to time. Those are mild in comparison to the party fliers featuring the image of the slain Civil Rights leader which are being passed around. One I spotted on Facebook earlier this week had the nerve to show a doctored image of King wearing a set of headphones. Another flier has a falsified image of King wearing a giant gold chain and throwing up a gangsta-like hand symbol. The latter was designed to advertise a "Freedom 2 Twerk" party for teens scheduled for Saturday in Flint, Mich. Thankfully, that event has been cancelled, according to the New York Daily News.
"I feel like we have failed to reach these [groups]," Bernice King, daughter of Martin Luther King, Jr., told an Atlanta-based TV reporter. "This imagery thing is just appalling, and it's almost embarrassing. For me, as his daughter, it's like 'wow,' I lost a father who sacrificed everything for them to live a much more dignified and respectful life, and for it to come to this makes me sad."
It makes me mad. It also makes me wonder, who raised these disrespectful cretins who think this kind of imagery is acceptable or might make folks show up at their party?


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- Age / Gender:
- 23, Male
- Location:
- Canada
- Joined:
- 6/18/10
- All Stats >
User Statshot
- Community Stats
Level 3 Artist
Normal Whistle
Ranked as Civilian
Contact Info / Websites
Recent Game Medals
Asteroid 25 Points Crushing the Asteroid Medal Stats.
Coast Bomber 25 Points Crushing the Coast Bomber Medal Stats.
Osama 25 Points Killing Osama Bin Laden Medal Stats.
Tram 25 Points Crushing the tram Medal Stats.
Spiderman 25 Points Killing Spiderman Medal Stats.
Hindenburg 25 Points Crushing the Hindenburg Zeppelin Medal Stats.
King Kong 10 Points Killing King Kong Medal Stats.
Heavy Weapons 5 Points Defeat Battbot Medal Stats.
Monkey Biz 5 Points Defeat Ootkey Medal Stats.
Bad Transit 10 Points Defeat TRN-1 Medal Stats.
Total Medals Earned: 96 (From 17 different games.)
Latest Favorite Art
Latest Favorite Movies
Pokemon But With Animals2 Rated 4.4300 Stars Surely the animation event of the decade. Comedy - Parody Pokemon - Left 4 Dead Rated 4.0600 Stars Pokemon meets Left 4 Dead Comedy - Parody Within The Pokeball Rated 3.3200 Stars What goes on in the Pokeball? the answer is here. Comedy - Parody Animation Transformation Rated 4.4600 Stars Mike Southmoor finds a device that transforms himself into other cartoons Music Video


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Tower Hamlets council is withholding information from inspectors conducting an official investigation into spending and transparency, a Minister said today.
Communities Secretary Eric Pickles delivered a stern rebuke to the borough as he announced a delay in the publication of a report into the administration of its controversial Mayor, Lutfur Rahman.
Auditors PwC were due to publish their findings today after they were called in by the government to probe council processes, before local elections saw Mr Rahman sweep back into power.
But in a statement to MPs, Mr Pickles announced a delay in the report and said the council would have to pay the costs associated with the extension of the investigation.
"In April I instructed inspectors to launch an investigation into the mayoral administration of Tower Hamlets to report by the end of June or such later date as I agreed," Mr Pickles said.
"The investigators, PWC, have informed me that the council has considerably delayed the investigation by delaying the provision of key information or simply not providing it at all. This is not acceptable, and I am consequently extending the period for PwC to report.
"The costs will be met by the council. Whether the council likes it or not this investigation will be thorough and comprehensive," he added.
The probe was ordered amid allegations that Mr Rahman's independent administration was favouring certain groups in the award of council grants and funding – an allegation the mayor has repeatedly denied.
He fought off a challenge from Labour to win re-election in May, but the result has been marred by allegations of electoral fraud and voter intimidation.
Police and the Electoral Commission are currently investigating the claims, and a petition has been presented to the High Court calling for the election result to be declared null.
Mr Rahman left the Labour Party in acrimonious circumstances in 2010, but has since triumphed in two elections to become the first directly-elected Muslim mayor in Britain.
Responding to the Secretary of State's comments in the House of Commons today (30 June 2014), a Tower Hamlets council spokesperson said,
A spokesman for Tower Hamlets Council said: "We share the Secretary of State's frustrations at the delay in the PWC best value investigation.
"It is in the interests of all concerned for the report to conclude quickly but also to provide meaningful and credible findings. In a week where once again Tower Hamlets services are recognised as high performing – our schools record in getting pupils to university – it is time to draw this process to a conclusion.
"However the council is considering all its options and will comment further in due course."
via – http://www.standard.co.uk/news/london/tower-hamlets-council-is-withholding-information-from-the-government-9573956.html


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Nels Cline - Angelica (Music CD)
Release Date: 14 November 2011
Artist: Nels Cline
£9.39 includes FREE UK Postage (other delivery options available)
Shipping Destinations for this item
UK - Shipping Included
United Kingdom
Europe Zone 1 - £1.29
Austria, Belgium, Denmark, France, Germany, Ireland, Luxembourg, Netherlands, Switzerland
Europe Zone 2 - £1.49
Andorra, Croatia, Czech Republic, Finland, Liechtenstein, Monaco, Norway, Poland, Sweden
Europe Zone 3 - £1.69
Bulgaria, Cyprus, Estonia, Faroe Islands, Gibraltar, Greece, Greenland, Hungary, Iceland, Italy, Latvia, Lithuania, Malta, Montenegro, Portugal, Romania, San Marino, Serbia, Slovakia, Slovenia, Spain, Vatican City
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Others - £1.79
Falkland Islands
Sorry, this product is currently unavailable.
Release Date: 14 November 2011
Artist: Nels Cline
- 1. Angel of Death
- 2. Maria Alone (For Maria Farantouri)
- 3. The Lung (For Vinny Golia)
- 4. Bandoneon (For Dino Saluzzi)
- 5. Fives & Sixes (For Booker Little)
- 6. Jara (For Victor Jara)
For more information and our Delivery Policy see here.
For more information and our Returns Policy see here.
Catalogue No: 9577


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Yasmina & jonathan - mexico
(video password: mayakoba)
Use the form on the right or shoot me an email at firstname.lastname@example.com.
For wedding inquiries, please provide me with full names of you and yours, your wedding location and the wedding date.
For portrait inquiries please provide me with the size of your family as well as your preferred timeframe for photographs.
(video password: mayakoba)


text:
Eve and the Fire Horse Trailer (2005)
09 September 2005 Drama 92 mins
Eve is a precocious nine year-old girl with a wild imagination growing up in a traditional Chinese immigrant family in Vancouver where Confucian doctrines, superstitious obsessions and divine visions abound. When Buddhism and Catholicism are thrown into the mix, life for Eve and her 11-year-old prim and authoritative sister , Karena, escalates into a fantasia of catastrophe, sainthood and cultural confusion. The journey of a young girl and her sister striving to grow up in world where childhood is lonely and the world is full of wonder.
Watch the official Eve and the Fire Horse 2005 trailer in HD below or find more Eve and the Fire Horse videos on Vidimovie.


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Obscura Society NYC: Paradise Lust: Searching for the Garden of Eden
Obscura Society
Sunday, September 30, 2012 from 7:30 PM to 9:30 PM (EDT)
Event Details
September 30, 2012, 7:30 PM to 9:30 PM: Join author, Brook Wilensky-Lanford, for an illustrated lecture examining the maps of modern Eden seekers searching for that spot where mythology and cartography meet.
Where on earth was the Garden of Eden? It might seem that the search would go extinct after Darwin taught us that humanity was not created in one fell swoop at a single place on the globe. But as author Brook Wilensky-Lanford reveals in her book Paradise Lust, an ongoing parade of eccentric seekers have drawn their own maps to Eden well into the twenty-first century.
William Warren, the first president of Boston University, declared in 1881 that Eden had been at the North Pole, before God flooded and froze it. Tse Tsan Tai, a Hong Kong entrepreneur, believed his Outer Mongolian Eden could bring about world peace in 1914. And in the 1950s, a libertarian politician opened a public park on the site of his Florida Panhandle Eden.
This illustrated talks examines the maps of these and other modern Eden seekers, searching for that spot where mythology and cartography meet.
Brook Wilensky-Lanford is the author of Paradise Lust: Searching for the Garden of Eden, and an editor of the online literary magazine Killing the Buddha. She lives in the Garden State.
This is part of the "Atlas Obscura Speakers" series of talks at Observatory, 543 Union Street (at Nevins), Brooklyn, NY 11215. 543 Union Street is the large red brick building on right. Go right on Nevins and left down the alley through large black gates. Gallery is the second door on the left. Enter Observatory via Proteus Gowanus Gallery.
The Tree of Knowledge in Atlas Obscura
The Obscura Society is the real world exploration arm of Atlas Obscura.
Find out more, and join our local events announcement list here.
When & Where
543 Union St
Sunday, September 30, 2012 from 7:30 PM to 9:30 PM (EDT)
Add to my calendar


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Dulux's autumn/winter colour trends
by Kate Worthington • October 14, 2014 • Life.Style.etc Loves, News • 0 Comments
If you're wondering what shades to paint your home this autumn, look no further – Dulux's autumn/winter trend story Big Nature + Small Me, is sure to inspire. The trend's buzz words include 'authentic', 'adventure', 'natural' and 'strong', and features rich, earthy desert tones and colours evocative of striking landscapes such as Ayers Red, Intrepid Cave, and Powdered Heather.
The tonal palette was conceived to bring a calming warmth and cosiness to interior spaces, as Dulux's Senior Global Colour Designer Louise Tod explains 'Wrapped up in a modern world that is often rigid, we long for a simpler way that is natural, free and – crucially – offline.' This concept of longing for nature extends beyond the choice of colours too, with Dulux's application of paint forming an important part of the trend; rough edges, imperfect colour gradients and improbable shade pairings all contribute to the natural mood.
Above: From left to right: Polar Pink, Sumatran Melody 2, Burnt Desert.
Above: Top to bottom; Niagara Blues 4, Labrador Sands 2.
Above: back wall; Sunflower Symphony 3; right wall, Labrador Sands 2.
Above: fireplace; Burnt Desert.


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Neunbrunnenstrasse 130, 8050 Zürich - CHF 1,000 pro Monat inkl. NK
Nice flat with open plan living area, 2 bedrooms and a spacious bathroom. In the basement is a cellar area and each flat has its own room with washing machine and tumble dryer. I'm 28, work in a hotel and looking for a roommate as of the 1st November. Viewings only possible before midday (due to work) Garage can be rented at an extra cost


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Wasting water
not acceptable
To the Editor:
Our water shortage is a dire situation. The Union Democrat reports that we will run out of water in 120 to 150 days. Any responsible citizen is doing their to conserve water, my wife and I included. We are using every trick in the book to do our part to conserve what precious water is left.
However, there are others who have absolutely no concept or a hint of the reality of the situation. Case in point, the Sonora High School sponsored Future Farms of America event that took place Feb. 18. The Future Farmers of America celebrated their organization by having a water balloon fight! What? That's right, a water balloon fight! As Future Farmers of America they should be learning the importance of conserving water especially in a drought situation. Instead they are shown wasting water in a fun game.
What is wrong with you people? What kind of lesson does this teach our young future farmers about conservation? I'm sure some would argue that they did not use all that much water. But that is not the point here. Any waste is too much waste. As future farmers they could have had a raw egg toss or some other type of farm-related game that does not promote wasting precious water.
Then to make matters worse, The Union Democrat glamorized this ill-conceived event by putting the story and pictures on the front page right under the headline article that talked about the seriousness of the drought. I ask again, what is wrong with people?
Barry Boricchio
Catholics versus Obamacare
To the Editor:
I recently received a survey on Obamacare from Catholicvoters.org. The lies and misinformation in this survey about our president remind me that we are no longer a two party system. We are Democrats, Republicans and Catholicvoters.org, seeking recognition. Catholicvoters.org is trying to drag down those Catholics who are not insulted by their lack of authenticity. The survey is highly political and aligned with the hatred and slander of our president by most of the Republican Party.
In the survey there are key words to catch the attention of Catholics: abortion, contraception, choice in voting, and IRS checking of tax exemptions of nonprofit organizations. They imply that Obama is a baby killer by following the law. If that is true, then all presidents since Roe vs. Wade (40 years and counting) are baby killers. I don't believe it. The only way to stop abortion on demand is to repeal Roe vs. Wade. Catholic politicians are more interested in gaining votes than repealing the law.
If you are pro-choice, you are also pro-abortion is another of their misconceptions. I am a pro-life, pro-choice Catholic. My wife and I have 11 children (by choice). We understand the sacredness and value of life and are happy with our decision. We consider the choice for abortion an evil, and the person responsible is the woman who chooses it and the person who performs it, not the president. Sadly, they are within the law.
Pro-choice is a gift of free will from God. Believing that, one has choices in matters of good or evil. Belief is a choice, and most importantly, pro-life is everyone's responsibility and must not be politicized.
Tom Besmer
Angels Camp
Arthritis diagnosis changed life
To the Editor:
November 2010. I remember it well. "You have fibromyalgia and psoriatic arthritis." I finally had a diagnosis that explained my crippling fatigue, intense pain, swollen, stiff joints and persistent flu-like symptoms. I am 27 years old and facing a life of, not one, but two painful autoimmune disorders. But I had never heard of psoriatic arthritis.
Later, I discovered the National Psoriasis Foundation (NPF). Approximately 456,000 people are living with psoriatic diseases in Northern California - 7.5 million nationwide. I was impressed by the foundation's passion. In part, because of their work, my current treatments are possible.
Last summer, I was honored to be asked to join the foundation as a volunteer. Currently, I run the NPF's Northern California Division Facebook page and am on the 2014 Walk to Cure Psoriasis planning committee. My mission? To spread awareness. I don't want others to be blindsided by a diagnosis of psoriatic arthritis, like I was. Arthritis is often thought of as a disease that only targets the elderly - this is a big misconception.
Chronic pain/disease is life changing. It is often invisible, making it hard for others to understand. But most frustrating, is its unpredictability. One minute I'm "OK." The next, I feel like I've been hit by a truck and have trouble walking or brushing my hair. I was initially stripped of my control, routine and purpose. I felt lost, trapped inside my body. Volunteering has helped me regain these things. I'm feeling empowered. I've seen how strong I really am. I remain grateful.
I'd like to invite those in our community to join us at this year's Walk to Cure Psoriasis in San Francisco on May 17. (http://psoriasis.org/walk/san-francisco ) For more information, or to make a donation to our team, Mission Possible, contact email@example.com
Deanna Alarcon
Twain Harte


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Loaner p85
Loaner p85
TS put in that limit for demo cars. Your SC must have pulled in a demo car from the local showroom.
Besides, what were you doing at 80+ mph anyway?
Unless you're racing the two side by side, it's gonna be hard to tell. The P85 will be slightly faster to 60, but as humans we won't appreciate it unless we're timing it or have some marker to distinguish the difference.
the difference is simply knowing you have the performance model :)
@Otismyman - Of course not. I've past that speed limit plenty of time with my S60. But the factory doesn't want owners to be reckless with their loaners.
I'm not advocating speeding, just saying that they have the right to curb our enthusiasm in the loaners.
BTW, I'm driving an S85 loaner this week and notice a slightly louder motor whine during hard acceleration (are there any other kind?) than my S60.
I just spent a week with a Roadster loaner. Makes the S seem sluggish! What a rocket. Just point & shoot. Completely different ride..you are one with the pavement. Had good weather most of the time so could take advantage of the open cockpit. Got sunburned. While I had a blast driving it (also generated way more attention) I am happy to have my S back; really appreciate how smooth & comfortable it is. It never seemed that big to me before.
>>BTW, I'm driving an S85 loaner this week and notice a slightly louder motor whine during hard acceleration (are there any other kind?) than my S60.
That's interesting. I've read a few comments from people who think that sound is louder in the S60. I don't typically listen to music when I drive - I've been having a lot of fun with my S60 since I picked it up two weeks ago :) and the hard acceleration whine is quite noticeable.
I ordered the all-weather interior mats last night partially hoping to reduce that whine and road noise. I already have the trunk mats and parcel shelf.
I own a 60 and just drove a p85 loaner for a week. To me, the increased performance was obvious. And when I went back to my 60 it seemed less responsive. But if I just pressed harder on the accelerator, the response was ok. The way I normally drive, the p85 is not needed. But it was fun for a week. Also in my 60 I use under 300 kw per mile, and in the p85 it averaged well over 340kw per mile.
I had the P for a day and thought it was scary fast compared to my MS. Squeezed into a 3 lane going down to 2 infront of an Audi r6 and a Vet. My heart was pounding and my hands shaking. It was San Fran Tastic!
Wow, FranknWC, you've gotten into the racing car mode.
Did you try some hard acceleration or just drive gently like you normally do?
I don't understand. I wonder if the loaner car was somehow down-tuned.
I drove a P85 loaner all day and the difference from my 40/60 was significant. The 40/60 is plenty fast. The P85 was scary fast. The P85 swaks rubber all the way to 45 mph on dry pavement. Good grief!
I actually went from my p85 to a 60 loaner w 80mph max speed and 73mph max cruise control. The acceleration difference is obvious to me and I can't wait to get my car back!


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Jennifer Richards Scholar of the Week, 7/19/2012
Teachers and Forestry
For many teachers, summer was hardly a vacation from their own brand of learning.
Fire Ant Products for Tennessee's Schools.
Vail, K. M., and J. Chandler. 2017.
E&PP Info Note # 802 (revision).
Schools and Rules of the Tennessee Department of Health, Bureau of Health Services Administration, Division of General Environmental Health.
Barnwell, P. 2016.
Pests and Pesticides in Child-serving Facilities: An IPM Newsletter, 9(4):5.
PB1846 A Technician's Guide to Managing Pests in Schools.
Barnwell, P., J. Chandler, and K. M. Vail. 2016.
UT Extension, 100 pp, Knoxville, September 2016.
Poverty simulations: Building relationships between Extension, schools, and the community.
Franck, K. L., S. Barnes, and J. Harrison. 2016.
Journal of Extension.
Assessing the CFA University Recognition Program: A Survey Based Analysis.
Grieb, T., M. Noguera, and C. Trejo-Pech. 2016.
2016 Proceedings Financial Education Association and Academy of Business Education, Financial Education Association Annual Meeting, Fort Lauderdale, FL, September-October 2016.
Fire Ant Products for Tennessee's Schools.
Vail, K. M., and P. Barnwell. 2016.
E&PP Info Note # 802 (revision).
Undergraduate Research as a Bridge for College of Agricultural Sciences and Natural Resources Recruiting.
Gwinn, K. D., J. Logan, A. Vanderpool, S. J. Domingo, and C. A. Beyl. 2015.
Phytopathology, 105(Suppl. 4):S4.55 Annual Meeting, American Phytopathological Society. Pasadena, Ca. Aug 1-5, 2015.
ArcGIS Online as a tool to teach global, regional and local water resource issues to middle and high school teachers and students.
Logan, J., and R. Hanahan. 2015.
Proceedings of the Annual meeting of the Tennessee Geographic Information Council., Burns, TN. Apr 21-23, 2015.
Teaching about Water Resources using ArcGIS Online.
Logan, J., and R. Hanahan. 2015.
ESRI Educational Users annual meeting., San Diego, CA. July 20-24, 2015.
UT Soybean Scout Schools.
Stewart, S. D. 2015.
Midamerica Farmer Grower.
Spatial optimization of CoCoRAHS network in Tennessee.
Logan, J. 2014.
21st Conference on Applied Climatology, 9-13 June 2014, Westminster, CO.
Fire Ant Products for Tennessee's Schools.
Vail, K. M., and P. Barnwell. 2014.
E&PP Info Note # 802.


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Discussion in 'Lifestyle' started by legendr34, Oct 8, 2008.
no more cheap strobist style for my products, D80 with 60mm macro lens
Isnt a 1600 overkill for jewelry? Good pics either way
Looks great.
not when using f22, but it works great
I see
Nice pics.. 60mm crew
i dont like the reflections on the front faces of the gems.
hows the color accuracy as you power up/down?
i want the new AFS version now
its hard to rid off at the angle i have my products setup
its good
it's not the angle of the jewelry, it's the angle and quality of your lights. for shiny objects you should almost never be shooting with the light pointed directly at the surface. what you want to do instead is bounce the light onto a white board or reflector which in turn will illuminate the surface. also, put your lighting more to the side of the jewerly. yes this will create shadows but that is what another fill light is for. this is why jewerly lighting in general can be very complicated because shooting shiny surfaces are all about specular highlights....the reflections.
overall i still think you did a pretty good job. i really like how you positioned the jewelry, it is very fluid and very dynamic. makes it more interesting than if you just kept it in a straight line.


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This is according to a report in China Petroleum New, a CNPC-run paper.
(READ MORE: South Sudan oil output steady)
Oil is the main source of cash for South Sudan, but output has dropped due to conflict and ageing fields. Fighting between rebels and the government has damaged some fields.
CNPC's engineering and services team will work with oil producers in South Sudan and also conduct training on technologies to enhance oil recovery (EOR), the report said.
Main investors in South Sudan include CNPC, parent of PetroChina, Malaysia's state-run oil and gas firm Petronas and India's ONGC Videsh.
The 1/2/4 block in South Sudan, that produces mainly a medium sweet crude called Nile Blend, has entered its latter stage of production, while block 3/7 and block 5 produce largely heavy crude, the report said.
(READ MORE: South Sudan's kiir to keep oil minister, change finance portfolio)
All of these fields require EOR technology to boost output.
The report did not give further details.
A South Sudanese oil official put production in late June at about 160,000 barrels per day. It had been in the range close to 260,000 bpd.


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I Need Some HTML Cleaned Up... Easy $$...
I'm putting together some sales copy for a client. I'm integrating the copy into a template... I'm a copywriter, NOT a web designer, and the page is a little messed up.
I'm using Dreamweaver and I'm guessing it's just some bloated code that it's inserted, it's only part of the page that isn't displaying right.
I'm guessing this is a 5-10 minute fix... Unless I try to do it myself, then it's an all day event, SO...
If you're good with HTML, want to make a little cash, and can do this for me quickly shoot me a PM. I'll show you the page, you tell me what you'll charge, and we'll go from there.


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VideoHive Fast Music Opener 7989881
After Effects Project \ Openers \ 3D \ Object
Gaming \ Support \ Opener \ Included \ Available \ Project \ Required \ Render
After Effects Project - Fast Music Opener 7989881 by Voxyde @ VideoHive
After Effects Project \ Openers \ 3D \ Object
Hyperphonics is a powerful and fast opener perfectly suitable for music advertisements or gaming
- 3 Text holders and 1 Logo Holder
- HD 1920×1080 @ 30fps
- Easy customization through custom controls
- Works with any logo or text
- Help file included
- No plug-ins required
- Fast Render ( works on any cpu )
Font used in the project is Acens
The sound effects track is included!
The music track is available for purchase here
Support available 24/7 ,message me directly on videohive or e-mail me at [email protected]
Requires Plugins: No; After Effects Version: CS5, CS5.5, CS6, CC; Resolution: 1920x1080; File Size: 51.5mb.
Futuristic Stripe Logo; Clean Stripes Reveal; Fight Beyond - Broadcast Template; Christmas Greetings; Electric Reveal Pack; Cinematic Dragon Reveal; Digital Space.
Keywords: 3d, abstract, drum and bass, dubstep, fast, gaming, heaphones, ident, impact, industrial, logo, music, opener, sound.
Download Link


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"La Isla" Juice Bar
Created while an Environmental Graphic Designer at DLE Design Studio in Pasadena, CA.
Vallarta Supermarkets sought to refresh its juice bar in one of its Fresno, CA locations. My team and I pushed to create a colorful, energetic venue that reflected the spirit of the Mexican supermarket, with a saturated palette that stood out while walking through the store. I was responsible for all 2D design, menu layout, and iconography created for this project.


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I do a superlative impersonation of Sean Connery as James Bond, especially if you've never heard him speak. Even more so if you've never heard me speak. My point: sweeping generalizations make for great voice bytes and headlines, but are a pretty crappy way to lead your life, or a nation when responding to a crisis.
Making it more difficult is when generalizations flatten context and lose perspective so that you end with "since all ducks are birds, all birds must be ducks." The Only-Kinda-Sorta light is burning brightly on that one, but feel free to follow the yellow brick road if you are so inclined, and let me know how pigeon tastes with orange sauce (your equation, your lunch entrée; fair is fair).
I stole this from a FB friend, Sally, who found it I have no idea where.
In the interests of equal time I would point out in my version, I would add Kanye West, probably right alongside The Nuge (put 'em in a sack and hit it with a bat and you'd get the right one), which helps me prove my point about generalizing about generalizations.
To some extent, Pope Francis and I are identical (when viewed from space admittedly) because we're both Catholics (stay with me on this one, okay), but we are definitely two very different human beings and any conclusions you reach about "Catholics" based on me would be 180 degrees out after knowing His Holiness. Your mileage (and chances for beatification) would definitely vary.
I don't take it personally (not sure how the Pope would feel about it, but he seems like a good sort) but what I do take personally is someone hijacking a moment of silence to offer a loud-mouth drive-by generalization. Here's something I never thought I'd type: Bravo, Aaron Rodgers.
Here's the deal. If this doesn't bother you, please stop dropping by here because it should.
Here's my takeaway on days when whackjobs rule the earth, offered by someone with more experience than the rest of us put together on timing your life with the monsters when the monsters won't go away.
-bill kenny


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Copyright Universal UClick.
ALEC sponsors spent tens of millions of dollars on federal and state lobbying to rewrite state laws that protect workers, consumers and the environment
Far-right billionaire Robert Mercer's firms BlackRock, JPMorgan Chase and Wells Fargo are all invested in the company building a prototype of the wall.
Copyright Universal UClick.
Matt Bors relentlessly skewers the latest absurdities of American politics and culture. From war to religion to obsessive lawn care, Bors' cartoons dissect and expose the news, "avoiding the Donkeys and Elephants of many of his peers," to make readers think and laugh about real issues. Bors' unique cartoons feature a vivid style and biting humor that have earned him a great deal of praise. Drawn! Magazine editor John Martz says that Bors is "one of few in his field whose work redefines what an editorial cartoon should look like."


text: We ran into a gorgeous dog today at the dog park. Taking Luna and Sheena swimming and to play with other dogs is now a daily occurance. Anyway after swimming, while we were walking around the park we met with an owner and a gorgeous, very large brindle dog. At first I thought it was a mix. But when we asked the gentleman this lovely boy was with he told us it was an American Allaunt. I had never heard of this breed. Luna fell in love with this sweet boy right away. And he was smitten with her. They bounded and played like crazy. Sheena ran with them but has never been one to wrestle and play much. He was only 16 months old but he was so huge and sweet natured. Leaning hard agianst who ever was petting him. Just wondering if anyone else has ever heard of this breed?


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|02 Mar 2014
Windows 7 Ultimate 64bit SP1
is it possible to move existing boot disk to new PC to avoid re-instal
I have a 5+ year old PC that I'm planning to replace. I have a separate boot and data hard drive. I replaced the boot drive almost 2 years ago when it died with a SATA2 and installed Win 7 ultimate 64-bit on it. I replaced my data drive in January with a SATA3 one.
I plan to move my data drive to the new PC w/o issue. I was thinking of also moving my boot disk to the new PC or cloning it to a new boot drive then moving it. Are there reasons not to move my boot drive or a clone of it to the new PC?
The idea behind cloning my existing boot disk to a new one is that my boot disk is already almost 2 years old, so I want to start with a new drive that is
1-faster SATA3
2-less likely to fail within next 5 years
Is there free cloning software that can clone a boot drive on a sector level when the drive make & models are different (as long as the target drive is larger than the source drive)?
I expect my new PC to last 5 years.
I'm trying to avoid the time to re-install the OS, my applications, etc. I know Win 7 will complain about it seeing new hardware, but I'm thinking it will install drivers it needs during first boot, then I can install drivers from CD/DVD that comes with the motherboard, then update them with the latest drivers from the internet. Is there something else that will happen that makes this a bad idea?
Also, can motherboards handle different sized memory DIMMs, if they are the same speed? I think most motherboards only have 4 DIMM slots. I want to get 12 GB of memory. I have 1 4GB 1333MHz PC10600 DIMM I put in my work PC, that I may want to move to this new PC in the future, so I was thinking of getting 1 8GB DIMM & 1 4GB DIMM now. I'm not sure if that will be a good idea if the new memory will be different manufacturer than what's in my work PC now, or if that memory will be too slow than what my new motherboard can handle. I may have to just go with 3 x 4GB of new memory.
|My System Specs
|02 Mar 2014
Windows 10 Pro x64 EN-GB
First, prepare your Windows installation to be moved to new hardware, Method Two in this tutorial is what you need: Windows 7 Installation - Transfer to a New Computer
When you have done that you can create your image with free Macrium Reflect tool as told in this tutorial: Imaging with free Macrium
Please read the warnings and notes in the beginning of both tutorials very carefully!
|My System Specs
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Move windows 7 installation from one disk partition to other disk partition HI all , Before going into details of my problem, I am listing down my system setup. I have 3 HDDs on my pc with following details :- 1. Disk 0 - 500 GB - Windows 7 32-Bit Installation on C: - Partitions ( C -...
|Installation & Setup
can i avoid w7 spin up my usb hard disk during the boot?
Hi i did notice that at every boot , w7 spins up my hard disk during the boot can i avoid this? and my boot is slower thanks cheers
|Hardware & Devices
Dual Boot Windows 7 - Second (SSD) drive not showing as disk in Instal
I've got one drive that's had Windows 7 for a while. I just bought an SSD drive, and I'd like to dual boot for a while. I've tried installing with formatting the SSD drive (in Windows) and make it a Primary Active partition. I've also tried installing by deleting the partition and leaving it...
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Dual Boot Instal Problem
I run windows 7 64 bit on my pc, I wanted to install windows xp. I made a 30gig partition and try to install windows xp.When xp is done with the first step of the insatall and wants to restart my computer gets stuck at verifying dmi pool data. I used the windows 7 dvd to repair the start. Now I...
|Installation & Setup
windows 7 instal/boot problems.
Hey guys im having several problems with windows 7 instaling on my custom build PC I install windows 7... reaches at the.. completing installation... then it cuts off it reboots then says there was an error in the installation and tries to go back then my PC restarts again. tried to start it...
|BSOD Help and Support
Move existing windows installation to a different drive
Hi, I'm trying to move my win7 to a bigger and better hard drive. My original idea was to create a system image and restore it to a different hard drive with windows repair (after all, this is what you would do after a hard disk failure). However, it only allowed me to restore the image to...
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Back to school
The figure deep in concentration at the back of this class is exactly how I should've looked when I was at school back in the day. It's too late now.On a recent 'fam' trip to Battambang and Banteay Chhmar, I was snapped a few times by other members of the group and the pictures have just found their way into my possession. For a few moments it was back to school as I joined a classroom full of students at the Ptea Teuk Dong orphanage in Battambang. To be honest I loathed the majority of my time at school, but this was one of the more pleasant classroom experiences I've had. At Banteay Chhmar, we had dinner and dancing at the community project headquarters on the night that we stayed there and I was caught on camera attempting some traditional Khmer dance moves, in hot pursuit of the lovely Linda of course. It was Linda who snapped me at the back of the classroom. Last but not least is the adorable Ratha, the teenage daughter of our homestay family and this photo is courtesy of Kelly.
The awkward looking barang in the white shirt is in hot pursuit of the more refined and graceful Linda in red, during our traditional Khmer dance exhibition at Banteay ChhmarRatha displaying typical Khmer radiance despite my presence, at our village homestay at Banteay Chhmar. And I've just noticed I have a long neck - I wouldn't look out of place with the Paduang hill tribes.
Labels: Banteay Chhmar, Battambang


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Chinese man asks court to announce first son dead
The man, surnamed Hou, went to the district court and asked the court to declare his missing son dead, China Daily reported.
After an investigation, it was found by the court that Hou's son was indeed alive and was living with Hou's former wife.
The man later confessed that he had re-married and wanted to have a baby with his new wife, but it is prohibited from having a second child according to the country's family planning policy.


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Toyota of Puyallup
Review for Toyota of Puyallup
FRED J. on 06/05/2015
"very friendly and easy to do business with"
my husband said "this is to easy"
Vehicle: TOYOTA CAMRY HYBRID
Category: Sales
Sales Date: 06/01/2015
Review Created: 06/05/2015 10:55 AM
Kerry S., President & General Manager at Toyota of Puyallup responded on 06/05/2015
Thank you for your wonderful feedback. We strive to make the car buying experience aseasy as possible, so it's great to hear that some think it's too easy! We hope you're both very happy with your new Camry. Congrats!
President & General Manager
Toyota of Puyallup


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Deadly Kung Fu Lady Trailer (2004)
01 January 2004
When a mob boss feels threatened by the return of an old partner, he turns the town upside down to find a hit man who will help him keep his fortune intact. Meanwhile, the boss's beautiful daughter (and heir to his fortune) is called upon to organize the hit. All seems to be proceeding according to plan until she realizes that the hit man has designs on both the company and her. Stars Ko Hung.
Watch the official Deadly Kung Fu Lady 2004 trailer in HD below or find more Deadly Kung Fu Lady videos on Vidimovie.


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Here's our next adventure selected from Book Club Reading List. I'm already one-quarter through Crimson Clouds and enjoying it so far. Robert, a cosmopolitan Frenchman and still attractive in his early sixties, has just retired from a brilliant career at the United Nations. He is at a loss for what to do with his now seemingly endless free time. He has no desire to go back to work … [Read more...]
Travel Novel Review: Rescuing Lacey
Rescuing Lacey is not your usual romance novel. Using natural forest fauna as an exotic background, the novel unfolds a powerful physical attraction between photojournalist Lacey Sommers, who was assigned a job as wildlife photographer in Costa Rica, and environmentalist Luke Hancock, who was hired by her magazine to be her pilot and outdoor guide. This attraction – to their dismay – is something they both find difficult to control, much less suppress. After overcoming various conflicts and … [Read more...]


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This is Your ANTIDOTE to STRESS! Secrets of Meditation is designed to demystify the ancient practice of meditation – it's not as scary as you think! – and help you FINALLY lock down a daily meditation practice so you can connect to the stillness and silence that rests within, get control of your stress and find your best version of yourself. Are you feeling stressed out at work? Struggling in a relationship? Are the pressures of life, money, family overwhelming you? Are you experiencing anxiety about your health, your choices, your future? Secrets of Meditation walks you through many different types of meditation – following your breath, mindfulness, bio-feedback, soundwave, chakra, chanting, mantra, tantra, even chocolate tasting meditations!!! Select the technique that vibes best with your life, and take it deeper.
Davidji is an internationally recognized stress-management expert, meditation master, corporate-wellness trainer, public speaker, and author. After a 20-year career in finance, business, and mergers and acquisitions, davidji began a new journey to wholeness by apprenticing under Deepak Chopra for ten years as the Chopra Center COO and lead educator, and became the first dean of Chopra Center University. He now travels the world helping individuals awaken to the best version of themselves; his real-world techniques and guided meditations have been used by hundreds of thousands around the globe to destressify and take their lives to the next level. davidji has a deep passion for working with those in high-stress, high-pressure situations. Through the Blue Courage Awareness Training curriculum, his teachings are practiced in some of the largest precincts and police academies in the U.S. Each week, he hosts LIVE from the SweetSpot, now in its fifth year on HayHouseRadio.com®. Join the davidji SweetSpot Community at http://www.davidji.com


text:
Here at BadRhino, we're committed to offering men a size L to 8XL the best choice of fashionable and great value clothing. We've seen such a huge demand for plus size ladies clothing at our sister brand Yours Clothing that we decided to branch out and offer men their own slice of great value fashion.
You can find us both online and in many stores across the UK – in fact, we are in more UK stores than any other men's big and tall retailer, and this number is growing all the time! Click here to find your nearest store.
Here you will find quality clothing that fits and flatters, from long length jeans to large size shoes. Your comfort and style is our number one priority, and we aim to offer affordable clothing for the larger and taller customer.
In both our own label BadRhino and the various great value brands available you will find an unbeatable range of sizes. T-shirts, shirts and tops can be found from size L to 8XL, and trousers and jeans are available in waist sizes 34"-60" and leg length 28"-36". Our stylish and well-made footwear can be found in sizes Up to 15 and also in wide fit.
We are constantly evolving the range and looking at new brands and product areas. You'll find we offer excellent customer service and that your order will arrive promptly to you.


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Member Landing Area:
The member's landing page is the first screen you will see when logging in to the CEPA website. It acts as a home base for summarising all the most recent content on the website. From this page, you can quickly access the most popular tools to make your journey through CEPA as simple and intuitive as possible.


text:
All Android applications categories
This app contains high quality and loud ringtones of techno music sounds. These tunes are guaranteed to make you move. Techno, Electro, Remix ...Feel the energy of techno music!
Features :
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Tags: android techno, techno, techno music, android techno ringtone,techno effects sound,remix ringtone,DJ ringtone,most popular ringtone
from 37 reviews
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text:
Trollope cautious with Coles
Bristol Rovers boss Paul Trollope has vowed to ease Danny Coles back into action after his long-term knee injury.
Last Updated: 21/07/09 1:00pm
Bristol Rovers boss Paul Trollope has vowed to ease Danny Coles back into action after his long-term knee injury.
Coles managed just five matches last season before a series of problems which began against Leyton Orient in October and kept him on the sidelines for the remainder of the campaign.
He visited American specialist Bill Knowles in the summer and has made such progress he is now back in pre-season action alongside his team-mates.
The 27-year-old defender managed 45 minutes of Saturday's 4-1 pre-season friendly win against Torquay.
Trollope must now decided whether to include Coles in his side for Tuesday's game against Cheltenham, or hold him back for Friday's meeting with Crystal Palace.
He told the club's official website: "We are going to be looking carefully at Danny Coles as to whether he will be involved in the game, there is a possibility he won't, we may save him for Friday.
"Obviously we do not want to ask too many demands so early of him, so there is a big possibility we will see him Friday, rather than tomorrow.
"There is no injury, he is fine, it is just rehab.
"He came through the game very well, obviously a little rusty round the edges, but that is what you would expect when you have been out of the game as long as he has.
"It is just a precaution, we have been pleased with what he has done, and pleased he got 45 minutes on Saturday."


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One of the toughest things about job searching is when you don't get the job. You can apply for many jobs, hundreds in some cases, and never hear anything about your application. If you're lucky you may get a rejection letter or email message. If you're not, you get no response from the employer. Or, you could interview for a job and get rejected even though it seemed like everything went really well.

It could be any one of a number of reasons why you didn't get the job and it can be hard to figure out what cost you the chance to get hired. You can ask a recruiter why you weren't chosen and occasionally receive some meaningful feedback. However, in almost all cases, interviewers will either not respond to requests for feedback or will offer a rationale like "Though you were a strong candidate, we found someone who was more qualified."

Top 10 Reasons You Did Not Get Selected for an Interview

 Were you qualified for the job? How closely did your background match the qualifications for the job? In a competitive job market, candidates that are an exact or a very close match for the job requirements will get the interview.

 Was your application complete? Did you provide all the information required on the job application?

 Did you make a mistake on your application? Were all the dates of employment you listed on your application correct? Did you list accurate salary information? Did you leave off any information that should have been included? Some employers verify employment history  prior to scheduling interviews. That's one reason why it's important to accurately complete your job applications.

 Did you target your resume?  Does your resume showcase skills and accomplishments related to your target job? Is it clear how you added value in your previous jobs, internships, academic projects and volunteer work?

 Is your resume organized so that the most relevant content is near the top and can be easily found by the screener?

 Was your cover letter targeted  towards the requirements of the specific job you applied for? Did you make it clear that you possessed the desired skills, experience and knowledge to get the job done?

 Was your cover letter long enough to make a compelling case, but no so dense that the recruiter glossed over it. Ideally, your letters should be 3-5 paragraphs long, with none of those paragraphs longer than 8 lines. Be sure to leave white space between paragraphs.

 Were all your application documents error free and well written? Have you asked others to review and proofread your resume and cover letter?

 Did you mobilize your network to find any contacts on the inside of your target employer who might put in a good word for you?

 What did your references say? If you were asked to provide employment references, the employer might have checked with them prior to scheduling an interview. It's important to know that your references are going to give you a good recommendation.

Top 10 Reasons You Did Not Get the Job After an Interview

Sometimes, interviews go wrong. You could make an interview mistake that can cost you a job offer. Even when you interviewed well there could be other candidates who did a better job or were more qualified. Here are some of the reasons why you may not get a job offer.

 Were you dressed appropriately? First impressions mean a lot, and if you weren't dressed in appropriate interview attire it could cost you the job before you even get into the interview room.

 Were you on time and polite to everyone you met? Manners matter and being late for an interview or rude to a receptionist can cost you the job. Make sure you're aware of proper job interview etiquette before you head out the door.

 Did you convey genuine enthusiasm for the work throughout the interview? All things being equal, employers will often hire the most motivated candidate who they think would invest the most energy into the job.

 Did you research the company? Did you take the time to find out as much as possible about the company and the job you were being considered for? Employers expect you to have done your homework.

 Were you prepared for the interview? Were you ready to answer interview questions? Did you have a list of questions ready to ask the interviewer?

 Did you share 6-9 reasons why you should be hired and back up those assertions with specific examples of how you successfully employed those assets in previous roles?

 Did you establish a positive connection with your interviewer(s)?

 Did you display an air of confidence without being smug or over confident?

 Did you make it clear at the end of the interview that you wanted to move on in the screening process? Or, if it was a final interview that you really wanted the job?

 Did your follow up promptly with a thank you email message or letter which clearly stated your interest in the job and included a brief summary of why you thought the position was an excellent fit?

Rejection Happens

Do keep in mind that you could do everything right and still not get the job. It is quite possible that you presented yourself in the best possible fashion and were beat out by an extraordinary candidate who just offered more to the employer.

If you have determined that the position was a good fit and you did your best to impress the interviewer, then all you can do is pursue as many other options as possible with the same effective approach.

Rejection can actually be a good thing in the long run. If the company didn't think you were the best candidate for the job, it may have not been the best fit for you. Instead of spending too much time regretting the job you didn't get, move on to the next opportunity. Sooner or later you will be the preferred candidate.

How to Move On

In order to learn from this difficult experience and refine your job search techniques, it's important to reflect upon all aspects of your job search and interview process. If you're having trouble figuring out why you aren't getting hired, it can be helpful to enlist the input of a career counselor, a friend, or a professional connection in your industry of interest as you are conducting this assessment. If you were unable to land an interview here are some factors to evaluate:

Read More: What Hiring Managers Say (and What They Really Mean)

Related Articles: How to Dress for an Interview | Top 10 Job Search Mistakes


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The 'Hound of the Baskervilles' was first serialized in The Strand Magazine in 1901. It was well suited for this type of publication, as individual chapters end in cliffhangers. It was printed in the form of a novel the following year.[10]
This content is from Wikipedia. GradeSaver is providing this content as a courtesy until we can offer a professionally written study guide by one of our staff editors. We do not consider this content professional or citable. Please use your discretion when relying on it.


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ON BOARD! Workshops
Prospective, new and seasoned Board members alike as well as nonprofit staff will benefit from the time tested best practices and interactive panel discussion provided in this professional training.
ON BOARD! trainings are one-day seminars designed to provide:
- A broad, basic overview of the roles and responsibilities of board service
- Fundraising, corporate partnership and strategic partners tactics
- Policy-based governance models
- Common vocabulary for staff and boards to communicate well
The ON BOARD! faculty is comprised of trained facilitators and seasoned executives eager to share their years of "real world" experience with board members and potential board members and staff of nonprofit organizations.
Participants will walk away with a training manual filled with samples and ideas to reinforce their learnings.
Leadership Workshops
Leadership Workshops are perfect for individuals seeking professional development, knowledge about a new topic and networking opportunities. Workshop topics have included nonprofit board training, marketing, time management, neuroleadership, corporate partnerships, organizational development, communications for teams and conflict resolution. Participants enjoy hearing from experts in these fields and walk away not only with fresh insights, but also an action plan successfully implementing the workshop's topic.
Leadership Workshops
Tools for Your Toolbox!Leadership Workshops lend expert insights, provide interactive experiential learning and equip you with an action plan for success in a variety of practical leadership topics!
ON BOARD! Workshops
Professional Board TrainingWhether seasoned or new, get a broad overview of board roles, fundraising, legal and financial responsibilities.
What Participants Say
On behalf of all of us attendees today, I want to extend a big Thank You for facilitating a very helpful workshop to a group of our senior leaders. I can tell from the follow-up emails that I am already receiving that folks are hungry for this information and have plans to share it with their colleagues.
I enjoyed a terrific session yesterday of ON BOARD! The daylong seminar on non-profit boards was highly instructive and entertaining. It also served as a good opportunity for networking. I'd recommend this Leadership Center for Excellence training for anyone currently serving or considering serving on the board of a non-profit corporation. Thanks!
This was a fabulous class that exceeded expectations. I left feeling very confident to serve in my new board position!
I knew the quality of education would be excellent, but I was pleasantly surprised by the amount of material we were able to cover in one day without sacrificing any of that quality. I plan to both mention some specific takeaways and tell my colleagues they should attend.
It was more than just learning about boards. There was a very valuable connection made. I would like all new board members to attend. Not only to educate them on being a good board member, but also to make them more aware of the local organizations that we support.


text:
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Tact Premium Wood Cat Litter 30 Litres
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Tact Premium Wood Cat Litter 30 Litres
Product Code: 62685
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Biodegradable, lightweight and easy to handle, Tact has powerful odour controlling/absorbing properties and the fresh fragrance will help banish odious, pervasive smells and leave behind a nice pine aroma. Better still, it can be composted or disposed of in a recycling bin.
- Completely natural
- Biodegradable
- Easy disposal
Please note: Due to a new supplier of the wood pellets, they will be a darker looking colour than the previous pale gold pellet used, but equally as effective.
Customer Ratings & Reviews
Great Value posted on 15/11/2017 by Linda
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You like data. Me too. I don't mind the tests for the most part but what I really do mind is the number of days in grades 3-8 devoted to planning to test. It is mind boggling how many days are spent prepping kids for test taking/scheduling tests with inadequate facilities/ etc.
Please post the referenced study in Minneapolis that shows teachers achieving different rates of growth in their students. I have heard lots about it but would love to see the data myself. Do we attribute yearly growth to teachers or students? One year my daughter jumped 3 years in growth in math – that sounded good – only to fall the same amount the next year. Bad test day? Bad teacher? Bad set up?
And can you also post the study that details who makes up the "anti-testing" group? Again, I'm new to the discussion but does everyone opposed to testing fit into the narrow definition you've provided here?
I've heard from many parents who just want to see better testing, less testing, less "teaching to the test", less overlapping tests, less cost, etc. I don't hear from parents that they don't want teachers held accountable for their teaching but rather they don't want so many school days of their children devoted to that particular goal. In a state with less than the national average of teaching days, testing days and planning to test days, are significant. Are we sacrificing learning for testing? Can we do better?
(My kids – by the way – vaxxed to the hilt.)
Hi Blaire:
Great thoughtful comment and questions.
1) RE: days spent taking tests and/or prepping for tests.
For the record, I didn't think my kids spent an excessive time taking standardized tests when they were in the system. I've also learned to question the various accounts of days spent testing. In some tallies, a one or two-hour test is counted as an entire day of testing. I would prefer to count it simply as one or two hours. And then there's the whole definition "test prep." So I've found it hard to get an accurate count of how much time it's actually taking.
How many days/hours a year are your kids spending taking standardized tests?
2) I'm in agreement with parents who want better testing, less "teaching to the test" and less overlapping tests. I also do NOT want to see art, music and gym curtailed to get better results in reading and math.
3) As for the cost of the tests, the American Federation of Teachers estimates the testings costs are between $50-100 a year per kid (http://bitly.com/1HZrR9t), which frankly is not a whole lot. I've heard testing opponents say that if we stopped testing kids, we could afford more art, music, gym and field-trips. Unfortunately, $50-100 per kid does not buy these things.
4) RE: the studies showing that different teachers have different rates of growth.
Minneapolis keeps that data, but doesn't release it. So I'm repeating what I've been told in various briefings or by school board members who sat through those briefings. But I'm glad you asked—I'd like to see more specific data too. I understand why the district wouldn't want to release individual teacher data, but I'd like to know what percentage of Minneapolis teachers are getting high growth versus medium growth vs. low growth in the areas that are being tested. I'll try to get that data and let you know or post it when I do.
5) As far as who makes up the anti-testing groups—-it's varied, of course. I'm writing more about the organized movements as opposed to individual parents. Off the top of my head, the oldest group is Fair Test (http://www.fairtest.org/) which was founded in 1985–they oppose standardized testing for college admission too.
Most of the others started after the No Child Left Behind Act in 2001, like the Opportunity to Learn campaign or locally in the Twin Cities, The Coalition for Quality Public Schools.
All three of these groups receive significant funding from the teachers' unions who ramped up the anti-testing rhetoric after schools and teachers were asked to take some responsibility for the testing results. In fact, it's hard to find organized testing opponents who are not directly or indirectly funded by the union, although I'm sure there must be some. The anti-testing campaigns in Boston, Chicago and Seattle were mostly led by the teacher's unions.
6) If you want to go really deep in the weeds, here's a chart that shows how various groups are lining up in terms of testing requirements in Congress this year. http://edexcellence.net/articles/esea-testing-proposals-in-one-picture.
7) When I observed the Minneapolis teacher-contract negotiations in 2013, various members of the teachers' negotiating team were opposing even the district-and-teacher-designed brief benchmark tests at the end of various units in reading and math. The teachers objected because they were being asked to track the results in a computer that could be viewed and tracked by the district. I get it, but it struck me as a desire to go back to the good old days in the 1970s when each teacher was the ruler of their room. But there were problems with that system too.
My boys will spend 75-90 minutes per day on testing, for twelve days. That's on top of other standardized tests they've taken this year
I like measuring things, but it's too much. And having seen the questions, I'm not impressed with the PARCC test's ability to measure anything worth measuring (reading, math, reasoning).
I'm Ohio, I like lots of your ideas. I'm an independent voter, but I'm refusing to let my kids take PARCC. I guess this is where we disagree.
Thank you so much – excellent and thoughtful piece
Great points and that is the strategy from many activists. 2 quick thoughts: Data can still be collected under the 'better tests' approach. Written essays along the Core can and are quantified and the data can still be used as it currently is (although there is clearly much to debate about what a better test is. Some think more, lesser weighted tests are better. Others think, if I may quote myself, yuk!)
But tests themselves can happen too often and actually get in the way. I know it is a refrain from my side of the fence, but there is also much truth in it. By in large, I think that when as many groups and parents are complaining about excessive tests as are now, then that may be a pretty clear indication that testing has become too large a part of the process. Some curtailing, I think (and I hope the answer lies in more authentic assessments but fewer of them), needs to be on the horizon. The partisans don't like to hear this, but under the current system, I think some standardized testing is probably a good thing.
Thanks, Nycdoenuts. I agree! I think standardized tests for reading comprehension can be especially problematic. I'm happy to test more wisely and well. But we need some of it.
Thoughtful post, Lynnell. I've shared it with many folks.
I think there are some things we can do to help shift the conversation on testing – some of those here: http://spanlearning.com/7-principles-to-shift-the-pendulum-on-testing/
Would be interested in your thoughts on this.
I love these seven principles, Michael!! I copied them below so other folks could see them too.
7 Principles to Shift the Pendulum on Testing:
1) Clearly explain the value of each test to students and parents before it is administered.
2) Provide test results to students and parents in a timely manner and in a way that they can understand.
3) Provide ongoing support to students and parents to help them use test results to advance future learning.
4) Provide opportunities to students and their parents to contribute information to student records that goes beyond test results, including information on student interests, goals, accomplishments, social and emotional learning, and learning that happens during out-of-school time.
5) Use testing and data to expand opportunities and raise expectations for students, not to limit opportunities or lower expectations.
6) Provide ways for students and their parents to securely store, access, and share their education data with other schools, organizations, and individuals.
7) Engage students and their parents in ongoing conversations and decision-making about testing and data use.
Pingback: Anti-testers want to dump data, end reform — Joanne Jacobs
All this testing should go away. I say this as a parent AND teacher.
The only tests that ever mattered to me as a parent were the ones my children took from each of ther subject area teahers and the ACT.
They were/are a vaste waste of money (I think we are close to 3 billion dollars per year nationally).
As far as the achievement gap and the attitude that all the responsibility for learning should be on the teacher…. yes, it has become ridiculous.
The biggest downfall of our system is when teachers became responsible for student's learning rather than their teaching.
Less and less and less onus on the student has lead to this.
Seriously, if the achievement gap was legitimate, ALL kids of color would fail and ALL white kids would succeed.
Algebra II is just that, it has no racial component, no social agenda. If we change, dumb it down, it becomes nothing.
An analogy to an extreme… I want to be your heart surgeon, I know nothing about the human heart, systems, biology, etc. Are you going to hand me the scalpel?
It IS economics and a society that says educaton is not of value unless it leads directly to a return on investment. We simply do not value an educated person as just that.
While you make some points, here's what I don't understand. We've gotten the data, we know where the learning gap lies and we know what it tells us. It tells us that where there is money, scores are high and where there is poverty, scores are low. Why aren't we focusing on the real issue of poverty and inequalities in our schools. How can we blame teachers and schools when so many states can't even fully fund these same schools?
My other issue, specifically with PARCC, corporate profits. How can we trust any company who has this type of monopoly over our education. In NJ, our teachers are evaluated by a pearson run program, we paid pearson for creating the test, for the test itself, for the training on proctoring the test, for the materials to prepare for the test, for the access to these results (ability to pinpoint by looking at each problem), and then, after THEY set the cut score, we get to pay them for all the remediation materials. Does no one see a problem with that?
Bingo Amnet!
The reality is that it will likely never change at this point as corporations have finally gotten their hooks in. For the longest time they (corporate America) saw this money and there was no way to get at it. We valued our public schools and a liberal arts, public school education. Well, with NCLB and the testing racket our souls were sold and we did it willingly.
Pingback: » Eduwonk
Check your privilege? Wow, Lynell. You may have been a public school parent, but I'm going to guess that you have never had to watch a child with special needs or an English language learner struggle for hours on end with one of these tests. I'm guessing you've never experienced what it's like for students, parents and teachers of a school without funding for books or basic supplies to be "held accountable" by testing data. As a parent and teacher in the Philadelphia School District, where our kids have been deprived of things like art, music and cultural experienced and replaced by endless test prep, I can only guess that you just lack a depth of understanding with regards to the opt out movement. Check your privilege, indeed.
Pingback: Why the opt-out movement targets affluent white parents | Put Kids First Minneapolis
This article has some good stuff in it. I certainly agree that an objective measure of the progress of the students can be a helpful. However, I believe that the decision to test or not-to-test should not be decided on the national level. This is an issue that should be addressed at the state/local level.
Alternet's distaste for the evaluation data gives us some insight into their mindset. If they really believed that the achievement gap could be closed, they would want the data to show how the gap is closing.
If we really want to help, we need to identify the major contributor to the achievement gap and then take action to correct.
Many reformers, progressives and such are waking up to the realization of the extreme difficulty of closing the achievement gap. Many sites that I look have all sorts of ideas for closing the gap. These are typically such things as:
• Redistribution of wealth
• Modern schools
• Better teachers
• Desegregation of the schools
• High expectations or low expectations
• More lenient or, conversely, stricter codes of conduct for our schools
• Preschool, which would include prekindergarten programs and even earlier intervention
• Summer programs
• Longer or shorter school days
• Better home environments
These programs seem to have a few common features:
• They have a core of enthusiastic supporters.
• Many of these supporters eventually lose their enthusiasm as they realize is gap is almost impossible to close.
• They are often expensive (and not just monetarily).
• They are based on the assumption that the gap is caused by the environment. Thus, a sufficiently good environment can fix most of our social problems.
• They do not close the gap.
Once we accept that "fixing" the environment is not going to close the achievement gap, a reasonable approach is to take a look at the non-environmental factors. This is not meant to blame the student. We should not blame the student if he or she cannot learn as well as other students. This would be like our blaming pygmies because they are short. And, we are not playing some sort of blame game; instead, we want to take a realistic look at the gap and its cause.
A few additional points:
• The federal government should never have gotten involved in education.
• The NCLB school evaluations are a mistake. NCLB is based on the unrealistic assumption that virtually all children are equally capable of learning. Believing this implies that it is O.K. to blame the teacher, the school, the parents or the students, or any other part of the environment.
• This brings us to the advantage of school choice. Under school choice, the students and their parents would decide which school they wanted their children to attend. However, school choice will not close the achievement gap. It might even widen the gap.
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Next gathering in September
Hailai friends won't meet in August 2012 due to the busy schedule of the Temple. We will meet on Sep. 29, 2012 (tentative) again. Thanks Elaine Yang for her kindness for providing her house for the Sep. event. Details to be followed.
July 2012 Gathering
On July 28, Hsilai Friends had its July 2012 monthly gathering at City
of Upland. Daniel and Martha, students from English Buddhist class and
Yoga class were very kind to offer their residence for the event. The
topic of the study was the interrelationship between Buddhism in the
West and modern science, particularly the information technology. The
much-heated discussion focused on a rather noticeable western Buddhist
community, the Buddhist Geeks whose mission is stated to bring the
"digital dharma" to the public by online broadcasting the interviews
they did with many prominent contemporary and innovative western
Buddhist practitioners. It was a fun, interesting, and
thought-provoking event for all the ten participated members. The
Hsilai Friend will meet again in Sep. 2012.
June 2012 gathering evoked a heated discussion
Hsilai Friends June gathering witnessed a very good discussion on the topic of possible connection between Jesus Christ and the teachings of the Buddha suggested by some people.
Jacky and Tomas has jointly brought this presentation and it was followed by a heated discussion among the participants. The consensus is that we should focus more on the similarities of their teaching for the common good of our society while respect the teachings from both traditions.
If you are interested in this topic, there are some materials you can get on lime:
2012 Interfaith Celebration Rated a Great Success!
2012 Interfaith Celebration theme video
Exploring the Common Ground: review the past and foresee the future
Celebration was the key concept that united the Christians, Jews, Muslims, Hindus, and Buddhists who took part in the March 3, 2012 Interfaith Dialogue. Held once again at the University of the West in Rosemead, the afternoon event was attended by more than 150 participants who enjoyed song, chanting, prayer, and other rituals of worship performed by clergy and monastics, lay practitioners, and youth groups alike.
Hsi Lai Drum Troupe
The program opened with an inspiring performance by Hsi Lai Temple's Chinese Drum Troupe, whose piece, "Festival" was well suited to the mood and intent of the event. The upbeat melody appealed to all participants, captivating their attention and energizing them spiritually. A brief opening address by Venerable Hui Chi, Abbot of Hsi Lai Temple followed.
Rev. Shawn Kindorf and Dennis Bryan, playing the piano.
The first of five collaborative performances featured Reverend Shawn Kindorf and musician, Dennis Bryan of the Church of Religious Science. Entitled "How We Pray," this delightful demonstration combined a medley of songs with spoken explanations that delineate both the philosophy of religious science and its place in the spiritual community. Returning to our Interfaith event by popular demand, Reverend Kindorf communicates the heart-centered, wisdom-based philosophy that characterizes her religion with warmth, clarity, and enthusiasm.
Hindu Priest, Pundit Srikanthachar Tirumale Rangachar
The second performance featured Hindu Pundit Srikanthachar Tirumale Rangachar in a series of Sanscrit chants utilized for temple and home pujas. Previously associated with Shri Mandir in San Diego, he is currently a priest at Sri Shiridi Sai Sansthan in Los Angeles. Refreshments were served following Performance #2 on the lovely patio outside the U West Auditorium.
Cantor Hazzan Paul Buch with his guitar
With his talent for adapting traditional melodies in contemporary ways, Cantor Hazzan Paul Buch of Temple Beth Israel has been heralded as both "deeply spiritual" and a "cheerleader for God." He began Session Two with a vocal and guitar performance which involved the Interfaith audience in a fun and instructional sing-along. The infectious enthusiasm he generated comes from a wealth of diverse life experiences, including a 25 year career in television and film production.
Children from Islamic Education Center
Dr. Ahmad Sakr of the Islamic Education Center in Walnut, California is a frequent contributor to Interfaith activities sponsored by Hsi Lai Temple. This year's performance featured several youngsters from his center who chanted portions of the Koran from memory. Dr. Sakr introduced and elaborated on each child's contribution, providing insightful information and a "bridge of understanding" focused on commonalities that unite Muslims and non-Muslims.
Fo Guang Shan Hsi Lai Temple Chanting Group
The final performance of Session Two featured Hsi Lai Temple's Chanting 201 Class. Chanters joined with several monastics to present the Great Vows of Kuan Yin (Avalokitesvara) Bodhisattva, granter of courage and comfort, who provides the ultimate example of love and compassion. Through chanting, Buddhist practitioners express and contemplate the great vows while strengthening their resolve to follow her example by helping those in need.
Mario & Company
The Interfaith gathering closed with an original song composed and performed by Dharma students from Hsi Lai School and their teacher, Mario Cee. Their choral rendition of "The Karma Song" featured back-up by the 201 chanters, along with flute, piano, and guitar solos by the students themselves.
Dr. Sam C.S. Wu, president of the University of the West, offered thanks and parting remarks to all participants and a group photo was taken.
Closing: Group photo with presenters, participants and volunteers
According to our exit surveys, a great day was had by all, with the Overall Event averaging 4.68 of 5.00 on a sliding scale. Other survey items which received particularly high ratings included Refreshments (4.72), Registration Process (4.73), Comfort of Venue (4.74), and Staff Support (4.92). As before, the many positive individual comments offered by participants sum up the day nicely:
☺ Everything was perfect
☺ Lovely event
☺ Today has been a great day
☺ Keep up the good work!
☺ This was wonderful - thank you
☺ I love everything
☺ Keep it up!
☺ Love everything
☺ Thank you for a unique afternoon - transforming!
☺ It was great
☺ Good job
☺ I really enjoyed the explanation of the music
and our personal favorite:
☺ Guacamole!
Don't forget! 2/11 Meeting!
Our next gathering will be on Saturday, Feb.11, 2012. The February gathering will focus on the preparation of the March 2012 event. The time is 4:30PM and the location is the meeting room (the room next to the Venerable's office) in Hsi Lai Temple.
As usual, a pot-luck dinner will be followed after the discussion.
Since our March event is coming in less a month, we sincerely hope that you can find your time to attend this important meeting.
Dec 2011
A great November night!
April 2011 Gathering
(This one's reposted out of order, sorry!)
Our April monthly gathering will be a combination of meeting and a special guest speech, the below is the details:
Date: April 30
Venue: Hsi Lai Temple Meeting Room (Xiang Yun Tang)
About the speaker
Roger Lu is a certified professional coach with a passion to help executives maximize their personal and professional potential so that his clients can enjoy fulfilling lives and authentic happiness. Roger is the chair of Vistage International, the world's leading chief executive organization, providing unparalleled access to new ideas and fresh thinking through CEO peer groups, one-on-one business coaching expert. Previously, Roger was President of Whitehouse Inn, Financial Consultant of Merrill Lynch, financial planning and investment management for high net-worth clients, First vice president/branch manager of Morgan Stanley, President of SinoPac Financial Services. Roger holds a M. A. in communications management(USC). He has several professional organizational positions.
In addition to that, Roger has a M. A. in Buddhist studies from the University of the with a thesis on early sutras and financial coaching. The lecture will focus how humanistic Buddhist wisdom and value plays the role in successful executive coaching
September 2011 Mtg
Sep. 2011 meeting in Huntington Beach.
We got invitation letter for 2012 Interfaith Celebration done.
And, we had best food ever!
July 2011 Mtg
Hsilai Friends July meeting was held on 16th at Jenny Tang's house.
We had a special guest for this month's gathering. Dr. Adam Hy gave us a
talk on Alzheimer's Disease. As usual, there was a potluck dinner after meeting.


text:
Alexander Armstrong), who found himself under pressure from a rival company borne of ex-employee Chris Curry (Martin Freeman). The two men clash in their desire to win a lucrative contract to manufacture a BBC-branded computer, that the corporation plan to install in every school as part of a trailblazing Computer Literacy Project...
Micro Men (formerly Syntax Era) was an affectionate and interesting look at the decade that took computers out of the workplace and into people's homes; a period when Britain practically led the world in this "personal computer" enterprise, until Japanese and American corporations inevitably steamrollered the competition. For anyone who grew up in the '80s, there was obvious nostalgia value from the bad fashions, electro pop-music and bulky technology on display. It was an almost comical reminder of how antiquated and frustrating computing was in its infancy, yet also how peculiarly charming and quirky this era was for British consumers and geeky enthusiasts.
Like many feature-length dramas of this ilk, Micro Men wasn't entirely successful. It sometimes felt like someone was scripting scenes based on paragraphs from Sinclair and Curry's Wikipedia entries, or merely scripting facts gleamed from a tatty library book. Characters sometimes spoke their thoughts aloud for the sake of an awkward shortcut through the narrative, and there were plenty of clichés -- like Curry celebrating Acorn's multi-million pound success with bubbly and babes in the back of a limo.
The performances were engaging and fun, particularly as Armstrong played Sinclair as a slightly bizarre parody; an egghead with staccato speech, wearing an unconvincing bald-cap and neat ginger beard. I suspect it was a disservice to a more complex man turning him into a silly megalomaniac, but it was nevertheless an enjoyable caricature. Freeman had the easier task (as most people don't have a preconception of what Curry is like, even those who know who he was), so he was able to apply his default setting of affable nice-guy. All that was missing were some quizzical stares through the fourth wall, a la The Office.
While it didn't quite warrant 90-minutes of dramatic material, it certainly wasn't as boring as you expected given the dry subject-matter, although I doubt anyone without some appreciation for the ZX Spectrum and Jet Set Willy would really be all that impressed. But, being realistic, I doubt anyone outside of a thin demographic would be watching a BBC4 biopic focusing on Sinclair Research and Acorn Computers' corporate tussles anyway. For those compelled to watch, Micro Men was a stroll down memory lane with some intriguing facts thrown in; such as how defunct Acorn's subsidiary ARM Holdings now dominate the global mobile phone and PDA microprocessor market.
Overall, Micro Men's combination of character-based drama and archive footage, resulted in a television show of niche appeal and mixed success, but it stoked some affection for the era and cultivated a regret that these British pioneers' couldn't quite compete with upstarts like Microsoft (hilariously symbolized by Sinclair being overtaken on his ill-fated C5 "automatic personalized car" by lorries emblazoned with Microsoft and HP logos.) If only Sinclair and Curry's acrimonious split hadn't happened, might Cambridge have become today's Silicon Valley? It's a fun "what if?" to ponder, and Micro Men was likewise a fun insight into the quirky battle of wits going on behind our fledgling love affair with pixels, sprites, bits n' bytes.
8 October 2009
BBC Four, 9pm
written by: Tony Saint directed by: Saul Metzstein starring: Alexander Armstrong (Clive Sinclair), Martin Freeman (Chris Curry), Edward Baker-Duly (Hermann Hauser), Sam Phillips (Steve Furber), Stefan Butler (Roger Wilson), Colin Carmichael (Jim Westwood), Derek Ridell (Nigel Searle), Rhona Croker (Valerie), Anne Beth Hayes (Cynthia), Nicola Harrison (Ann Sinclair)