text:
Kazakhstan: Country Economic Forecast: 13 Feb 2012Oxford EconomicsFebruary 13, 2012 5 Pages - SKU: OFE6823997 |
- Kazakhstan:
- The following represents a general Table of Contents outline for the Country Economic Forecast.
- The actual report may cover any or all of the topics listed below.
- 1. Highlights and Key Issues -
- four/five paragraphs of analysis covering the main economic and political issues contained in the subsequent Economic Overview
- 2. Forecast Table showing % changes for the country - with 2 years of historical data and 4 years of forecast data for the following:
- Domestic demand
- Private consumption
- Fixed investment
- Stockbuilding (% of GDP)
- Government consumption
- Exports of goods and services
- Imports of goods and services
- Consumer prices
- Current account balance (US$ and % of GDP)
- Government budget (% of GDP)
- Short-term interest rates (%)
- Long-term interest rates (%)
- Exchange rate (vs. US dollar)
- Exchange rate (vs. euro)
- 3. Economic Overview -
- two pages of events-driven analysis highlighting the most recent economic activity and, where relevant, political developments of the country, detailing significant changes to Oxford Economics' forecasts
- 4. Charts and Tables -
- covering a full range of economic developments relevant to the time period covered.
- These could include such topics as:
- Contributions to GDP growth
- Monthly industrial output
- Unemployment rate
- Retail sales
- Prices and earnings
- Consumption and investment
- Government balance and debt
- GDP and industrial production
- Monetary base and bond yields
- 5. Background Information on the country
- One or two pages of text covering the main historical political and economic factors that determine the country's current position
- 6. Key Facts on the country
- Map of the country
- Key political facts
- Long-term economic and social development
- Structure of GDP by output
- Long-term sovereign credit ratings and outlook
- Corruption perceptions index- latest year
- Structural economic indicators
- Destination of goods' exports -prior years
- Composition of goods & services exports - latest year
Research assistance
We can help you find what you need. Call us or write us: Need help in your search?
Int'l: +1.240.747.3093
Related Markets
International Trade Reports


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I read the script of "The Other Side Of The Wind" and I must say that I would like to see it released according to version in this book that was published in Locarno. I would have no trouble at all accepting it, although I know that done by somebody else it would not come out exactly like Welles had done it, but maybe close enough what Welles thought at the time this version of script was written. Giorgio Cosetti writes in this book, that it was Welles' conscious choice not to finish this work: imagining it always alive and available for remodelling. I have seen the 30-40 minutes that Munich Film Museum shows around and what I could imagine of the rest...how it would be cut, use of sound etc. - fascinating stuff.
And what a great ending.
I know not many of you have read this, but those who have...any thoughts?

subset: commoncrawl


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Born in Jugenheim
Member since 1975-09-01
Rainer Mehne
Rainer Mehne studied in Saarbrücken with Ludwig Bus and in Hanover with André Gertler. The completion of his studies in 1970 was followed by an initial engagement
at the Radio Symphony Orchestra of the North German Radio (NDR) in Hannover.
For years later he joined the Radio Symphony Orchestra Berlin (nowadays the
Deutsches Symphonie-Orchester), and in 1975 he became member of the second
violins at the Berliner Philharmoniker. After becoming a member of the Berliner Philharmoniker he continued his solo activities and commitment to chamber music, founding the Berlin Piano Quartet, playing in the Philharmonic Octet and the Philharmonic Virtuosi. Since 1999, Rainer Mehne has been a teacher at the Festival of Strings in San Diego.


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Healthy Mothers
Hope you enjoy the pool of features exclusively designed for you
Sorry you were directed to this page. We have switched to a new and improved website and are working to fix some linking issues. Meanwhile please bear with us.
If you are looking for Tips on Normal Delivery, Tips for successful breastfeeding your baby etc please Click Here
If you are looking for Lamaze classes held in Hyderabad or other cities please Click Here
If you want to contact us please Click Here
For all other information please visit our home page and Click Here. We also have an Internal Site Search box where you can search for information based on keywords.
Thank you for your understanding while we continue to fix the transition issues.


text:
pbeccas wrote:It will have to be good to beat Disposable Heroes but I like looking at pretty pictures so I will end up buying it.
Is this an actual GW release, or a Warhammer Historical release? I'm confused.
From what was said by the author, this will be a Warhammer Historical release, one of the many to be produced by GW staff.


text:
Advocacy is the heart of GMHC's commitment to empower people living with HIV to demand real change. Join us in building movements to fight back on issues that affect us all! Your help is crucial for our work.
Through our advocacy efforts, we keep HIV prevention, treatment and care, and a cure for HIV urgent global, national, and local priorities which entails:
For more information on how you can get involved, please contact email@example.com or call 212.367.1247.


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No, I don't have my voice back, I just found this footage from August 20th that I had forgotten to edit/upload, and decided to share. Hope you enjoy! Get your copy at: live.linux-gamers.net Also, check out my 2nd channel I'm working on: youtube.com Thanks for watching! Buy My T-Shirts! twil.spreadshirt.com & http My Website: www.thisweekinlinux.com My Facebook Page apps.facebook.com My Twitter: www.twitter.com My IRC Channel: #twil on irc.freenode.net Background Music by Kevin MacLeod of incompetech.com
Search It!
Recent Entries
- My OS crashed..how can I reload my itunes?
- I can't boot my notebook, and someone help?
- HELP!! With Linux Ubuntu.?
- how can i install windows Live cd?
- will linux run on my laptop???
- Computer logging/locking issues?
- Using an external hard drive OS on another machine?
- A Microsoft Free life on a PC….Installing a new OS….?
- Do I have to reinstall windows to install linux?
- Linux installation ?


text:
Sit back, relax, and brace yourself for one of the hottest new talents coming straight out of Ft.. Lauderdale, Florida. Mitch Gunz is bringing some serious fire and it's not only in the form of rap. Armed with vocals to match his superb lyrical style, Mitch Gunz is a one man army.
Doing things the Wright Way!!!
As the President and CEO of Simply IT, a new way for businesses to stay in business without a heavy IT budget hanging over their heads, Dennis Wright is showing the world that one man can make a difference in this ever changing world.
Dennis Wright, Founder of Simply IT and the current President of The 100 Black Men of Greater Ft. Lauderdale has his sights not only on revitalizing the community in which he grew up in, but also bringing technology in to help bring the future into this area.
Nine5Four is an online and Printed Magazine based in the United States!
We feature TALENT from all over the WORLD!


text:
Themed Hangar Parties
Special Promotions
Air Show!
Gaylord Regional Airport Presents the 2013
Wings Over Gaylord Air Show!
Gaylord Regional Airport
Presents "
Wings Over Gaylord - 2013
" @ the Gaylord Regional Airport,
June 15th and 16th, 2013
, with Air and Ground performances!
Our 2013 event promises to be
Bigger Better and Faster.
It will be the
Best Ever
with something to do for everyone in the family! Enjoy the wide variety of
vintage warbirds, modern military aircraft
, high speed passes, aerobatics, civilian general aviation aircraft, and
military and emergency ground vehicles.
Lots to see, do and eat!
This year at the 2013 Wings Over Gaylord Air Show your shirt is your ticket! Purchase of each t-shirt is worth 1 weekend ticket pass! Just wear your shirt to the event and you get in. Individual tickets are still available at $10 per ticket at the Gaylord Regional Airport or Saturn Book Sellers downtown Gaylord or at the gate on show day. Get your shirt
© 2013 - Wings Over Gaylord - Gaylord Regional Airport


text:
Home � Neighborhood News � The Salem Observer
Man gets deferred jail term for kicking door into deputy
Jeremy Stockton, 31, now of Manchester pleaded guilty to misdemeanor charges of simple assault and resisting arrest as part of a plea deal with county prosecutors. He entered his plea on Monday in Rockingham County Superior Court, the same day he was scheduled to go on trial. County prosecutors initially sought an enhanced simple assault charge against Stockton because the deputy was acting in the line of duty, according to court documents. That charge was punishable by up to two to five years in state prison.
The plea agreement allowed Stockton to avoid the possibility of a state prison sentence and plead guilty to misdemeanor charges, court records say. Prosecutors dropped the felony assault charge as part of the agreement.
Stockton received a deferred one-year jail term that will be suspended if he remains on good behavior for the next 12 months, according to terms of the agreement. On Jan. 19, 2012, Stockton kicked the door closed to his home at Cluff Crossing Road in Salem as Deputy Scott Peltier was trying to enter the residence, according to prosecutors.
Peltier was transported to Exeter Hospital and treated for swelling and a deep contusion to his right hand, the sheriff's department said. Stockton fled from the scene after slamming the door on Peltier, the sheriff's department said. Salem police responded to the home and assisted deputies with apprehending Stockton near his house. Stockton was initially charged with felony second-degree assault and a misdemeanor charge of resisting arrest. But a grand jury indicted him only on the simple assault charge and resisting arrest.
Salem � Local Events
- Flags should be half-staff Monday, Thursday for holiday - 0
- Two seriously injured in head-on crash in Bedford - 0
- Concert to aid Nashua man with rare disease - 0
- Stacey Cole's Nature Talks: Nongame, Endangered Wildlife Program turns 25 - 0
- North Country open for business - 0
- To get away, they come to NH - 0
- Win tickets to see American Idol Live! - 0
- Bach's Lunch Series Concludes in June with Music of Night and Nature - 0
- Open House at Owl Brook Hunter Education Center on June 1 - 0
Memorial Day services, events around NH
READER COMMENTS: 0Press Releases
Loeb School Offers Workshop on Producing Newsletters
READER COMMENTS: 2The Nackey S. Loeb School of Communications is offering a workshop on creating effective newsletters.
'Here comes the sun' – Summer Season at the Casino Ballroom
READER COMMENTS: 00 MAKE SURE IT'S ME Opens at West End Studio Theatre
0 Loon Mountain Resort Unleashes New Obstacles for July 13 Monster Mud Run
0 Location Change for N.H. Fish and Game Commission Meeting June 12
0 Help Combat Invasive Plants; Loaner Tools & Statewide Web Resource
0 29th Annual Chowder Fest Kicks-Off Summer on June 1st
0 Seven Earn N.H. Fish and Game Commission Awards of Excellence


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great hostel in the middle of downtown, the guys running place make sure you are comfortable and you enjoy your stay! Staff takes you out every night, free entrance to clubs! They make sure you find your way back to hostel as well. Can't recommend to those who wanna have a good night sleep, but if you are a solo... More
- Also Known As:
- Sant Jordi Arago Hotel
- Sant Jordi Arago Hotel Barcelona
- Reservation Options:
- TripAdvisor is proud to partner with HostelWorld, Booking.com and Priceline so you can book your Sant Jordi Arago Hostel reservations with confidence. We help millions of travellers each month to find the perfect hotel for both holiday and business trips, always with the best discounts and special offers.


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PHYE 240 Physical Education in the Elementary Schools
hours lecture,
Letter Grade or Pass/No Pass Option
Description: This course includes a brief study of the growth, development and characteristics of the elementary school child. The elements of written lesson plans, units, evaluations and various forms of testing are covered. The teaching of fundamental skills, rhythms, dance and games based on sound physiological principles for this age group is emphasized. The positive impact of physical education on health and wellness in addition to academic achievement is explored. Actual teaching situations are experienced in the lab sessions. This course is designed to fulfill lower division preparation for the major for students interested in elementary education.
Check the Online Class Schedule for information about course Prerequisites, Co-requisites, Enrollment Limitations and Advisory information .
Degree Link
This course can help you earn the following degree(s) or certificate(s):
- Elementary Education Preparation - Associate in Arts
- Master Teacher - Certificate of Achievement
- Physical Education - Associate in Arts


text:
Top Whale-Watching Destinations
Look! A puff of ocean spray! Few things are as thrilling as spotting the Earth's largest mammal at the ocean's surface. Come aboard for a tour of North America's top whale-watching destinations.
Filed under:Please forgive us, this gallery is really popular.
We sent a note to our support staff about the glitch you just experienced. Please click the button below to reload your content.
Featured in This Gallery
Find Whales in Cape Cod
Take a trip to Cape Cod, Massachusetts. Go whale watching at Stellwagen Bank National Marine Sanctuary, one of the densest areas of marine life in the world.
Saving a Humpback Whale
Whale watchers save a humpback whale caught in a tangled fishing net.


text:
King_Of_Dwarfs_c wrote:King_Of_Dwarfs_c wants a guy in a wedding suite
King_Of_Dwarfs_c wrote:King_Of_Dwarfs_c wants a guy in a wedding suite
mrmustard123 wrote:can I Have A Spy type dude
mrmustard123 wrote:can I Have A Spy type dude
happy_gandalf wrote:Can you make a skin that looks kinda like gandalf but with modern clothes? (sorry for bad english)
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text:
0.177" (4.5mm), 1100.0 fps, Beech, Ambi, Brown
Field targets will quiver as you raise your .177 cal. RWS 48!
Lifetime limited warranty
List Price $600.00 Save $120.05 (21%)
Want it delivered 06-21-2013
Order it in the next 14 hr and 20 min,
and choose Next Day Air Morning at checkout.
Showing 4-star reviewsShow Other ReviewsCreate an online reviewand share your thoughts with other customers
Things I liked:The rifle is great. It was just what I expected, a real powerhouse. Things I would have changed:The scope that comes with the combo is not so great. If I was to buy again I would buy the rifle and a upgraded scope separately. What others should know:I would recommend the rifle to anyone. I expected a better quality scope from Pyramyd Air Things I liked:I agree that this air rifle has excellent construction and great performance. Easy to sight in with great accuracy. This has superior quality that will last over my lifetime. Things I would have changed:None. What others should know:If you are impressed with its accuracy, try to install riflescope bubble level to correct canting errors. Get use to it and you will improve your shooting skills beyond belief. Things I liked:Nice wood work. Nice blueing. I was surprised I was able to hit clay pigions at 50 yards with little effort. I do the best with the cheap pointed Crosman pellets...but that is just me. With RWS Superdome's I was not as accurate with but I like the idea of a heavier pellet to slow down the impact of that spring driving forward. Things I would have changed:I have the TO6 trigger but a metal trigger guard would really compliment it. What others should know:I purchased the complete setup with scope mounts and scope. The mounts are great. There is no way it will walk off of the rail. The scope...well time will tell on that one. It kicks like a 'scope destroyer'. It is easy to seperate the barrel from the stock to lube the spring. Show Other ReviewsCreate an online review and share your thoughts with other customers
| |||||||||||||||||||||||||||||||||||||||||||||||
Service Plans | |||||||||||||||||||||||||||||||||||||||||||||||
Model Assistant Diana RWS 48 Striker Combo, TO6 TriggerSee also


text:
Welcome, guest. Register to remove this message!
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Hello, and welcome to NTFA Forums! To post in our community you must register, but don't worry - this is a simple, free process that only takes a few moments to complete. Register now! Advantages of registering include:
The NTFA Store now accepts pre-orders for the September 2012 comics |
28 June 2012, 04:06
Admin Lars Eriksson Knivsta, Sweden Group: Root admin Posts: 4 554 Joined: 26 February 2006 |
The NTFA Store is now accepting pre-orders for the September 2012 comics!
September is another month that is quite good for Transformers comic book fans, with six titles in total. Apart from the continuations of the three ongoing titles - Regeneration One #83, More Than Meets The Eye #9 and Transformers: Robots in Disguise #9 - there is also the double-sized Robots in Disguise Annual (which continues the story from last month's MTMTE Annual) plus two hardcovers: One is Transformers: The IDW Collection, vol. 7 collects the Ironhide mini-series, last year's Infestation: Transformers #1-2, plus Transformers Ongoing #7-18. The other is The Art of Fall of Cybertron, which features artwork related to the upcoming Fall of Cybertron video game! On the G.I. Joe side, we have the four ongoing comics - G.I. Joe: A Real American Hero #182, G.I. Joe #17, Snake-Eyes & Storm Shadow #17 and Cobra #17 - plus the crossover mini-series Danger Girl/G.I. Joe #3 - but also G.I. Joe: The Complete Collection, vol. 1, the first volume in a new series of hardcovers collecting Marvel Comics' entire run of G.I. Joe: A Real American Hero and G.I. Joe: Special Missions, now in proper reading order. The last day to pre-order these comics and collections is Sunday 22 July 2012. -------------------- E-mail address: email@example.com
Lo-fi version | Time is now: 19 Jun 2013 - 09:58 |


text:
Airdrie motorycle racer fights back in Utah
Airdrie�s Chad Swain had an uphill battle in his most recent race May 27 at the Miller Motorsport Park in Utah.
After a close call in the first turn which sent Swain from 16th on the grid of 47 riders to dead last, the longtime motorcycle racer had a tough race ahead of him.
The Airdrie racer is currently running a handful of American Motorcyclist Association (AMA) SuperSport motorcycle races in the United States after competing in regional events in Utah during the 2011 season. The World Superbike races, coupled with the AMA races in Utah was Swain�s first chance at turning the heads of the American ranks of motorcycle racing for 2012.
�We had a horrible start,� said Swain. �On the second lap in turn one, I got hit from behind. I ended up running into another guy cause I had nowhere else to go. I rode off into one, and when I got turned around, I was in last place by two corners.�
Swain had an uphill battle for the 13-lap event, but was running times comparable to riders in the top-15, which for the frustrated Canadian, was a bright spot on a tough day.
�You see the pack going away from you. What can I do?� said Swain. �My lap times were comparable with the top 15. Knowing I was in those lap times, I was OK with that. You salvage what you can.�
Swain ended his race 29th overall. Swain competed for years in the Calgary Motorcycle Roadracing Association, taking to the now demolished Race City Motorsports Park, before heading south of the border in 2011.
Race weekends that include multiple professional racing series at one track make for great job interview opportunities, he said.
�I did a lot of PR stuff that weekend. We were talking to fans and other riders,� said Swain.
�I was talking about possible rides for next year. You have to have confidence because (the professional teams) can tell if you have that talent.�
While Swain is travelling the U.S.A. with the SF-Performance Kawasaki ZX-6R, he said he hopes that the Calgary area can again have its own race track.
�To me, it would be great for the community around here, the street racers, the track guys� it would be really good,� said Swain. �There are a lot of people stuck without a track, the car guys, the drag guys, they all have nowhere to go.�
Currently, Swain spends three out of four weekends a month in the U.S., and comes home to race mini-bikes at the small kart track that remains at Race City Motorsports Park.
For now, his next stop is Barber Motorsports Park in Alabama to try it all again June 23.
The Airdrie City View welcomes your opinions and comments. We do not allow personal attacks, offensive language or unsubstantiated allegations. We reserve the right to delete comments deemed inappropriate. We reserve the right to close the comments thread for stories that are deemed especially sensitive. For further information, please contact the editor or publisher.
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By Mr. Richard T. Moore, a petition (accompanied by bill, Senate, No. 255) of Richard T. Moore for legislation relative to regional school trasnportation funding. Education.
Sponsors: | |
Status: | Referred to Joint Committee on Education |
Hearing Scheduled for 10/24/2013 at 10:00 AM in A-1 |
Petitioners: Richard T. Moore


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HCP Home
Houston Center for Photography
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Houston, TX 77006
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Tuesday Nov 6
First Tuesday
With Kristy Peet
November 6
7:00 - 9:00pm
Open to the Public, Donations Appreciated
Bring your photographic work to HCP the first Tuesday of each month to share with other local photographers!
First Tuesday provides a free opportunity for local photographers and media-based artists to share their work on a monthly basis and to gain insights from peers. First Tuesday opens with an overview of what's happening at HCP and information on other photographic opportunities in Houston and around the country.
Participants are invited to bring works in progress or recently completed portfolios, either in print format (preferably no larger than 16x20 inches) or digital format (jpegs on CD or USB thumb drive for projection). Each participant will be given ten minutes to present his/her work, to seek advice on creative or technical matters and to receive comments. Slots are allotted on a first come basis, with a maximum of 11 people showing work.
Reservations are not necessary for First Tuesday.
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© 2013 Houston Center for Photography


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Clarion University houses students in residence hall suites, traditional residence halls and at Reinhard Villages' apartment-style living. Combined, we provide approximately 2,100 beds for Clarion students. Transfer students with fewer than 24 earned credits and first-time-in-college students whose permanent address is greater than 30 miles from campus are required to live in university-affiliated housing. A student may choose to live in traditional residence halls, new residence hall suites or in an apartment at Reinhard Villages based upon availability at the time of application. Our website and online application has the most up-to-date information about building availability at the time of your application.
All of our housing provides a cross-section of students representing most aspects of a highly diverse student body. Housing assignments are made without regard to race, religion, color, sexual orientation, ancestry or national origin. Hall and roommate preferences are taken into consideration when making assignments and are honored whenever possible. Housing assignments and roommate information are mailed out in mid-July for students requesting housing in August and mailed in mid-December/early January for students requesting housing in January.
Traditional rooms and bedrooms in the suites are furnished with beds, desks, chairs, dressers and closets or wardrobes. Additionally, the common area of the suites provides a sofa, chair and coffee and end tables. Apartments at Reinhard Villages are completely furnished and include a washer/dryer, dishwasher and garbage disposal. Students should plan to furnish linens, blankets, pillows, bedspreads, desk lamps, a telephone and other personal items. Local telephone service, cable and high-speed Internet are included in the room fees. Residence halls offer coin-/Eagle Dollar-operated laundry facilities and vending machines, television and study lounges. Kitchen facilities and/or microwave ovens are available for student use.
Graduate managers and undergraduate community assistants, under the guidance and supervision of professional residence life coordinators, staff the residence halls. The campus is served by a 24-hour service desk located in the lobby of Givan Hall. The desk is open 24 hours a day, seven days a week, when school is in session. The desk serves many roles for residence hall students, including but not limited to: primary contact point for the residence hall staff, package pick-up, computer labs, equipment sign-out and temporary key sign-out.
A room may be occupied only by the students to whom it is assigned, and the agreement may not be transferred. The residence hall agreement is in effect for the entire academic year, unless otherwise specified. The only grounds for release from the agreement are withdrawal from the university, graduation or a change in student teaching or internship assignment.
Residence hall applications must be submitted annually, and returning students will be notified of the availability of the online application. Housing information and online applications will be made available to new students once they have committed to attending Clarion University through their paid deposit.
Fees for housing and food services are due and payable at the same time as other university tuition and fees. Refunds cannot be made unless the student withdraws from the university or is granted an agreement release. Refund policies for housing and food service follow the university refund schedule.
Campus residence halls are closed during university vacations and between semesters.
Judicial and Mediation Services
The Office of Judicial and Mediation Services promotes responsible citizenship by protecting student rights and maintaining the principles outlined in the Student Rights, Regulations, and Procedures Online Handbook. The office administers campus disciplinary procedures, seeks to maintain a positive living and learning environment and encourages the building of a respectful and inclusive community.
The office also serves as a resource to the university community on conflict management and resolution by providing services that promote the development of critical life skills. A mediation service is available to assist students in resolving interpersonal conflict.


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The Duke and Duchess of Cambridge's baby is due in July, St James's Palace has announced.
Kate's condition is also continuing to improve following her stay in hospital last month for severe morning sickness, said a spokesman for the couple.
The Duchess is believed to be around 13 to 14 weeks pregnant and confirmation of the birth month means it is likely she has now had her 12-week scan.
"Their Royal Highnesses the Duke and Duchess of Cambridge are delighted to confirm they are expecting a baby in July," said a St James's Palace spokesman. "The Duchess's condition continues to improve since her stay in hospital last month."
The update is also further confirmation that Kate is expecting just one baby. There had been speculation that she might be carrying twins.
The Duchess is suffering from hyperemesis gravidarum, which causes severe vomiting during pregnancy and is more often experienced by women expecting twins. The condition is most common in the first 12 weeks of pregnancy and often eases off in the second trimester of pregnancy, which Kate is believed to be entering now.
At the start of the second trimester, the baby's fingers and toes have separated and its nails are beginning to form. Some babies even start sucking their thumbs.
Kate was last seen in public last Friday when she visited the National Portrait Gallery in London with William for the unveiling of her first official portrait. She looked well and smiled during the brief appearance, with some commentators spotting the start of a slight baby bump.
If the new prince or princess arrives early, he or she could share a birthday with William's mother, the late Diana, Princess of Wales, who was born on July 1. The due date looks likely to be around mid-July.
A spokesman for the couple said they were unlikely to undertake any engagements in the next few weeks as William would be concentrating on his flying with the RAF Search and Rescue Force. He added that Kate was likely to return to engagements "in the near future".


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The state of the evidence
Latest Topic
Acute middle ear infections
If a child cries a lot, has a fever and cannot sleep, parents might understandably be worried that it is something serious. Acute middle ear infections are often at the root of these symptoms. But this kind of infection is usually no cause for concern. This week we explain why that is, and why antibiotics are often not needed.
Quitting smoking
Things that can help
"That was my last cigarette!" – Many people decide to quit smoking after a bad cold or when making their New Year's resolutions. But it is not always easy to actually stop smoking and stay a non-smoker. People often have to try several times before they succeed. Take a look at our feature to find out what products and other things can help people quit smoking.
Good to know
We all know what it is like to have a sore throat, but if you also have difficulty swallowing, fever and a yellowish coating on your tonsils, it could be acute tonsillitis. Tonsillitis can occur several times a year, and it sometimes becomes chronic. Our feature describes the usual course of this infection, what medications can be used, and when surgery might be an option.
Hormonal contraceptives
Find out what exactly happens during ovulation and menstruation, how hormonal contraceptives work and whether the contraceptive pill affects women's weight.
By the way . . .
Did you know . . .
… that things like red wine, cheese and chocolate are thought to bring on migraines? Keeping a diary for a few weeks or months can help people find out what might be triggering their migraines. We have prepared a diary which you can print out here:


text: Rams Ready For Big Games Versus Badgers MHicks posted on April 15, 2012 18:38 MOBILE, Ala-- The University of Mobile softball and baseball teams will kick off the week with contests against the cross town rival Spring Hill College Badgers. The 23rd-ranked softball team will visit the Badgers Monday, April 16 at 2 pm for a Southern States Athletic Conference doubleheader. Baseball will host a non-conference game against Spring Hill Tuesday, April 17 at 3 pm. The Lady Rams are 26-10 overall and 8-7 in SSAC action, while Spring Hill is 17-21 and 7-9. Mobile and Spring Hill met April 11 at the University of Mobile, where the teams split. Spring Hill took the opener 5-4 in 8 innings and the Lady Rams took the final game 7-2. Kamaron Strickland got the win for Mobile and Ally Scott had two hits and three RBI in the 7-2 decision. Hannah Beth Baker leads Mobile with a .328 batting average, .416 on base percentage and 12 extra base hits. Spring Hill is led by Mariha Partman's .355 batting average, while Jade Bourgeois leads the team with 21 extra base hits and 30 RBI. UMobile's baseball team is 22-22 overall, while the Badgers are 20-25. The two squads played a three-game series at Spring Hill earlier this season, with the Badgers taking 2-of-3. Spring Hill won by scores of 5-2 and 11-3, while the Rams took the final game 10-2. Ryan Hines got the win in the finale, while Braxton Hamil finished with three hits and two RBI. Ryne Phillips leads UMobile with a .362 batting average, while Hamil leads with 16 doubles and 30 RBI. Ryan Waltman leads the team with six homers. Brian Sims leads the Badgers with a .370 batting average, while Ryan Cummings leads with 24 RBI. Mobile will have a skydiving demonstration before the baseball game and free Sno Biz for University of Mobile students. Posted in: Men's Baseball, Women's Softball Actions: E-mail | Permalink | Kick it! | DZone it! | del.icio.us


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Born in Britain on 22nd May 1905, Gola trainers holds a treasured place in British sporting history having been associated with some of the biggest names in sport. Gola's unique and fascinating story has seen the brand conquer various trials and tribulations to become the number one British sportswear brands of the day in the 1960s and 70s.
Gola's quintessentially British personality and vast sporting heritage are creatively combined with today's key fashion looks. This ethos has paved the way for many successful collections, cementing Gola's reputation for offering genuine styled merchandise to those who choose not to follow the crowd.


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Your Store:
Ride Comfort is important, but restoring a vehicle's Ride Control; stability, stopping, lane change responsiveness and handling is critical. KYB Excel-G Shocks & Struts are designed for the most important performance purpose: Restore the vehicle's original capabilities. KYB is the world's largest supplier of shocks and struts to new vehicle manufacturers. The Excel-G is made on the same KYB OE assembly lines, uses the same OE quality components and is calibrated to restore original, designed performance, not change it. That earned Excel-G this classification: OEA (Original Equipment for the Aftermarket ). The KYB Excel-G is a Nitrogen gas-charged twin-tube design that includes every quality component that our global OEM products include.
Product Features:
Federal-Mogul engineers have extensive experience in designing components to accommodate changes in the engine due to wear. By leveraging this expertise, Sealed Power components ensure unmatched performance and reliability. In fact, Sealed Power's full range of engine components incorporate advanced in-house engineering and machining technologies combined with proprietary metallurgies that can improve fuel economy, reduce emissions and add durability to both gasoline and diesel engines.
Professionals trust Sealed Power components for both premium passenger car and light truck rebuilds. They meet or exceed the industry's toughest standards. Rely on Sealed Power products for your next engine rebuild or repair.
In North America, Bosal designs, develops, and manufactures original equipment exhaust systems for carmakers such as GM and Ford. Bosal supplies OE service products to many import / transplant carmakers including VW, Honda, Volvo, Subaru, and Mazda. Bosal also develops high performance exhaust for OEM port of entry and dealer programs.
Bosal pioneered the manufacture of one-piece, direct-fit replacement exhaust systems more than twenty-five years ago. Today, Bosal remains the leader in direct-fit exhaust systems for import vehicles, and has expanded their program to include direct-fit catalytic converters for both the import and domestic aftermarket. Included in the catalytic converter program is their new line of Bosal Super-Cats and our most recent addition - Bosal's line of CARB Approved Catalytic Converters.
Product Features:


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Middle East, Baltimore Apartments and Rentals on Walk Score
The map below shows apartments and rentals in Middle East, Baltimore.
Middle East has a population of 2,697 and an average Walk Score of 77. Middle East is the #58 most walkable neighborhood in Baltimore.
Apartment Buildings
- Rehabbed2br, 1 bath, townhome with fenced yard and onstreet parking. Hardwood first floor, new second floor carpeting, tiled bath and 3 year old appliances. 4 blocks East of Johns Hopkins. Walk to NE Market, Patterson Park, and shopping.
- One Bedroom and a den, new kitchen with finished basement washer and dryer lovely home
- This gorgeous new community boasts spacious floor plans and top of the line appliances in every home! Including a WASHER and DRYER!! Don't worry about parking as there is FREE off street parking available - some homes even have there own driveway!


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Wall-E melted the hearts of thousands of Bay Area visitors to the Maker Faire May 18-19. This unique event celebrates DIY, hi-tech and creativity. Michael McMaster & Mike Senna brought their creations to inspire Makers of all ages to follow their dreams and create the amazing things they dream about. It was our third year at the event, to show our progress on the project. Our booth was sponsored by Progressive Automations, which makes the actuators used in our WALL-E.
Visitors were amazed to learn that the project took 3 years to complete. They enjoyed seeing some of the parts molds and looking at photos of the build process to better understand the detail involved in building EVERY SINGLE CUSTOM PART FROM SCRATCH. This was mind-boggling to many. (Nope! No off-the-shelf parts!) We displayed one WALL-E unit on a tabletop with the outer body removed so that visitors could see the inner workings, electronic circuits, servos and actuators in motion. We also drove our second WALL-E unit to entertain the crowd, which kept pouring through Fiesta Hall nonstop Saturday and Sunday. While visitors of all ages took countless photos of our WALL-E, we enjoyed taking photos of them interacting with WALL-E. Hope you enjoy the smiles on these faces as much as we did!
Adventures with WALL-E
Mike Senna, well known from the remote-control R2-D2 replica he built in 2003, is now building a working WALL-E replica from the Pixar film. Completely scratch built, as there are no hobbiest parts available.
Sunday, May 19, 2013
Saturday, May 11, 2013
Long Beach Comic Expo
We brought our WALL-E to the Long Beach Comic Expo. He took photos with guests in the lobby, then rolled through the Exhibit Hall to entertain the Exhibitors.
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Friday, May 3, 2013
WALL-E Visits Pediatric Patients at CHOC
Our WALL-E joined Victor Franco's R2-D2 to brighten the day for many pediatric patients at Children's Hospital Orange County. After visiting patients & staff on 4 floors, we got to visit the new hospital tower's Seacrest Studios, which provide radio and video programs for patients, and Turtle Talk with Crush in the main lobby areas.
For more information on the new CHOC tower & Seacrest Studios:
For more information on the new CHOC tower & Seacrest Studios:
WALL-E watches Turtle Talk at CHOC
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Saturday, March 30, 2013
Wonder Con Anaheim
We brought our WALL-E out to Anaheim Convention Center for Wonder Con, where hundreds of people enjoyed taking photos of him. Lots of creative cosplayers in the crowd. We joined in with the R2 Builders booth. Below you'll find a fun video of WALL-E becoming fascinated with a power wheelchair.
McMaster's WALL-E on left, Senna's on right (foreground)
Mike shows Grant Imahara (Mythbusters) WALL-E's new track drive
Chopper from Oblivion
WALL-E chats with Travel Channel's Toy Hunter
McMaster's WALL-E on left, Senna's on right (foreground)
Mike shows Grant Imahara (Mythbusters) WALL-E's new track drive
Mythbusters' Grant Imahara with R2 & WALL-E Builders
Adventure Time hats were everywhere!
Chopper from Oblivion
WALL-E poses for photos alongside Rocky
WALL-E chats with Travel Channel's Toy Hunter
WALL-E greets an R2-D2
WALL-E becomes fascinated by a power wheelchair
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One. One easy choice. Go Green. Go Paperless.
You Can Help
Help preserve the environment; go completely paperless with us. We are proud to offer:
- Paperless Billing Statements—Get monthly email reminders when it's time to pay your student loan bill. No more paper statements.
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- Paperless Tax Forms—Get your end-of-year tax statement electronically. Obtain your tax form faster so you could possibly file earlier.
Start to Conserve Today
Step Number | Procedure |
Step 1 | Enroll—Visit Account Access today to enroll in our paperless services. |
Step 2 | Hear from us by email—Whenever we have a message for you, we will notify you by email. (Don't forget to make us a "trusted sender" so our emails don't go to your spam folder.) |
Step 3 | Sign in to view your message—Sign in to Account Access using the link we provide in the email and you are ready to read your message. |
Enjoy the Benefits
- Eco-Friendly
Save trees and reduce waste while helping the environment. - Clutter-Free
Put an end to clutter and go paperless. - Easy to Manage
Sign in to your account right from the secure link included in our email. - Flexible
Get all of your loan correspondence even when you're away from home.


text: Hello i am from Algeria and i choose two products to buy them from ipmartmy friend from saudi arabia have paypal and use it to pay but i have problem paypal don't allow shipping to other adress ? and i got this message : Special Intructions (eg. Request to change Invoice Value): what i can do ?


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Motorcycle booties from Joie that we fell in love with, from the grainy, faded leather to the too-cute folded down cuff. Wear them with your leggings and a long button-down, or cozy sweater.
FLAT RATE SHIPPING JUST $5 ON ALL US ORDERS! All shoe orders ship tax-free! Fast and Free Exchanges for 90 Days on all items! Pre-paid UPS label included with order for easy Exchanges and Returns.


text: Bruce Usher is the Elizabeth B. Strickler'86 and Mark T. Gallogly'86 Faculty Director of the Social Enterprise Program at Columbia Business School in New York City, where he teaches MBA students on the intersection of finance, social and environmental issues. He is also Chairman of Persistent Energy Partners, an impact investment firm dedicated to financing clean energy businesses in Africa, with offices in the U.S., Ghana and Tanzania. From 2002 to 2009, Usher was CEO of EcoSecurities Group plc, during which time he built it into the world's largest carbon credit company. Usher led EcoSecurities through an IPO, a secondary public placement and strategic investment, and the sale of the entire company to JP Morgan in December 2009. EcoSecurities developed more than 400 projects in 36 countries, representing approximately 10% of all projects approved by the United Nations under the Kyoto Protocol. Prior to EcoSecurities, Usher was co-founder and CEO of TreasuryConnect LLC, which provided electronic trading solutions to banks and was acquired in 2001. Prior to that, he worked in financial services for fifteen years in New York and Tokyo. He is a director of Community Energy, a US solar project development company, and an active investor in renewable energy businesses. He earned an MBA with distinction from Harvard Business School.


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Nielson Report...Zero and counting
Written by Cheryl Pearson-McNeil
Cheryl Pearson-McNeil
(NNPA)—Are you a Zero-TV household? No, I don't mean restricting the kids' TV viewing to the weekends or until after they've completed homework. I mean—do you watch TV the traditional way or on any of the growing techy options available to us? So many of us are watching video content on our phones, computers, or tablets, that Nielsen designates this group of consumers: Zero-TV Households. This consumer segment is so significant; it will soon be included in our measured samples.
For those of us who are hard-core holdouts or just plain tech-challenged, don't worry. Ninety-five percent of Americans still get entertainment and information the old-fashion way—via traditional TV. In fact, according to Nielsen's latest Cross-Platform report, American TV viewing time was up in late 2012 over the same period the previous year, averaging more than 41 hours a week. That makes sense. There were a few notable, life-altering events towards the end of 2012 which kept our eyes on the continued coverage. Several states along the East Coast suffered the catastrophic Hurricane Sandy. The Newtown, Conn., tragedy touched all of our hearts, and the highly anticipated 2012 presidential election was also noteworthy. Since you and I have been together in this space for a while now, you know that the Black community tends to log more TV viewing hours a week than other demographic groups. The latest numbers show that African-Americans average 55 hours a week in front of the telly.
The new kids in town, the Zero-TV households, do own televisions—about 75 percent of those in this category have at least one in the house, but they prefer to watch, or consume content, on other devices. The data shows that 36 percent of viewers feel cost and 31 percent of viewers say a lack of interest are reasons for their preferred choice. Right now, about 5 percent or 5 million American households fall into this Zero-TV category. African-American consumers make up almost 10 percent of that number. Nielsen's latest African-American consumer report looks at our alternate traditional TV viewing numbers more closely. We enjoy our multiple-screen options. Thirty-one percent of us watch video online. I have to admit it took me a minute to get there, but I've learned to appreciate the charms (and convenience) of other screens. (I know, I know. In some instances, size does make a difference and only a nice, large, flat screen will do). And, these are our favorite video sites:
•YouTube (48 percent)
•Other (31 percent)
•Netflix (10 percent)
•Hulu (8 percent))
•VEVO (3 percent)
•Yahoo! (1 percent)
Our technological world is spinning so rapidly, and the way we respond as consumers is having such a tremendous impact.
Another adjustment could ultimately be made in the way TV ratings are measured. As much as we love to watch TV, we also love to let our fingers do some of the talking, too. A new Nielsen/SocialGuide study shows that 32 million people in the U.S. tweeted about whatever they were watching in 2012. You know what I'm talking about. Some 68 percent of African-Americans own smartphones and we tweet on those phones 30 percent more than other groups. So, chances are, when you're nearly hyper-ventilating over the antics of your favorite Real Housewife or blown away by a performance on your favorite talent competition show or the score during some championship sporting event, you're talking about it with the rest of the world by tweeting. Fun, isn't it? The data confirms what most of us already know—as consumers, we are master multi-taskers. At least several times a month, 80 percent of U.S. tablet and smartphone owners use those fancy gadgets to visit a social network while watching TV.
Research shows that the decision-makers in the TV industry would be smart to take notice of the numbers attached to all that tweeting that's going on while live television is being watched, whether traditionally or through multi-screen viewing because tweeting affects the numbers. And, it's interesting how the Twitter numbers correlate with ratings depends on the age group. For younger people, 18-34, an eight and a half percent increase in Twitter activity equals a percent ratings point increase. But, it takes a 14 percent increase in Twitter volume to see an extra ratings boost of a percent among 35-49-year-olds. (I can't help but wonder where that leaves those of us who have outgrown that demo, but watch TV and tweet, too). Once again, our behavior, our choices as consumers have the power to influence industries. What you watch and how you watch it, matters. So, choose wisely.
(Cheryl Pearson-McNeil is senior vice president of Public Affairs and Government Relations for Nielsen. For more information and studies go to www.nielsenwire.com)
Last Updated on Thursday, 11 April 2013 18:45
Hits: 353
Advocates push to preserve foreclosure program
Written by Charlene Crowell
(NNPA)—A broad coalition of state and national organizations is pushing to preserve a key federal program that has helped more than 1.1 million troubled homeowners and reduced mortgage payments by a median savings of $546 each month. The Home Affordable Modification Program, created in response to the nation's housing crisis, is set to close shop Dec. 31. Housing and consumer advocates are urging the U.S. Treasury Department to reconsider ending the program.
A March 26 letter to Jacob J. Lew, U.S. Treasury Secretary, was signed by 14 national organizations, including the Leadership Conference on Civil and Human Rights, National Fair Housing Alliance, National Urban League and the Center for Responsible Lending. Another 22 state and local groups, including the California Reinvestment Coalition, Mississippi Center for Justice and New York's Empire Justice Center, joined with their national colleagues to fight for more foreclosure assistance.
The letter states, "Research has shown that foreclosure and delinquency rates have disproportionately impacted African-American and Latino families, and median household wealth has dramatically declined. . . High foreclosure rates in communities of color have also impacted those homeowners neighboring foreclosed properties, and estimates show that these properties stand to lose $1 trillion in home equity as a result."
Launched in 2009, HAMP initially sought to lower monthly mortgage payments to an affordable and sustainable level through a uniform loan modification process. HAMP funding was a part of the $29.9 billion authorized for the Making Home Affordable Program. Later in 2012, program options were expanded to focus on principal reduction modifications, expand relief for unemployed homeowners and ease other alternatives to foreclosures such as short sales.
To date, $12 billion has been obligated to pay incentives for HAMP homeowners already in the program. With the approaching expiration date, any unspent funds will ultimately be returned to Treasury's general fund. Yet, many communities have yet to economically recovery.
For example, HAMP's unemployment program offers a minimum of 12 months of temporary forbearance to allow these homeowners time to focus on securing new employment while still owning their homes. Depending upon homeowner circumstances, forbearance plans can be approved with some required payment or none at all. Thus far, more than 30,500 homeowners have accessed this program.
It is also relevant to note that African-American unemployment is higher than most. According to recent U.S. Bureau of Labor statistics, Black unemployment at 14 percent is double that for White Americans.
The nation's metro areas with the largest HAMP participation rates are Los Angeles-Long Beach, New-York-New Jersey, Miami-Fort Lauderdale, Chicago-Northwest Indiana, and California's Riverside-San Bernardino. California and Florida homeowners represented more than a third of all HAMP activity.
Additionally, the most recent HAMP program performance report shows that the program is working as it increasingly helps eligible borrowers by forgiving a portion of their mortgage debt. HAMP homeowners who received permanent mortgage modifications were granted a total of $9.2 billion in principal reductions. Additionally, 114,000 homeowners avoided foreclosures through short sales or deed-in-lieu.
Nationwide, the average non-HAMP mortgage modification reduced monthly payments by $389; while the average HAMP modification reduced the same monthly payments by $558. Similarly, non-HAMP servicers reduced interest rates in 73 percent of modifications made in the fourth quarter of 2012. Participating HAMP servicers reduced interest rates for 81 percent of borrows during this same period.
Of all HAMP trial modifications, 80 percent of the homeowners were at least 60 days delinquent at the trial start. The chief reason—for 68 percent of the troubled homeowners—was financial hardship because of reduced income or unemployment.
In 2012, CRL research found that among the 10.9 million homes that went into foreclosure between 2007 and 2011, more than half of the "spillover" cost to nearby homes have led to a $1 trillion loss in home equity for African-American and Latino families. High concentration of foreclosures in neighborhoods of color perpetuated disproportionate burdens in America's continuing foreclosure crisis.
Coalition leaders agree: "Effective housing policies must recognize that neighborhoods with higher foreclosure rates and deeper foreclosure-related impacts will take more time to recover."
(Charlene Crowell is a communications manager with the Center for Responsible Lending. She can be reached at: charlene.crowell@ responsiblelending.org)
Last Updated on Thursday, 11 April 2013 06:00
Hits: 458
Business Calendar
Written by Debbie Vargus
Women Business Leaders Breakfast Series
APRIL 12—Chatham University's Center for Women's Entrepreneurship will host the Women Business Leaders Breakfast Series from 7:30-9 a.m. at Chatham University, James Laughlin Music Hall, Woodland Road, Pittsburgh. Susan Gregg Koger, of ModCloth, will speak on the topic "Dresses and Successes: Turning a Passion for Vintage into a Global Business." She will discuss how she turned a hobby into an e-retailer known for its innovative social shopping experience. Registration is required and the cost is $25. For more information, visit www.chatham.edu/cwe.
Social Media to Grow Sales
APRIL 16—Sandler Training by Peak Performance Management Inc. will host "Prospecting 2.0: How to Use Social Media to Grow Sales" from 11:30 a.m.-1:30 p.m. at Foster Plaza, 790 Holiday Dr., Pittsburgh. John Rosso and Lindsey Demetris will teach attendees how to use social media to take control of their sales pipeline. Reservations are required. For more information, call Lindsey Demetris at 412-928-9933 ext. 203.
APRIL 17—Duquesne University's Small Business Development Center will host QuickBooks Advanced from 1:30-4:30 p.m. at Duquesne University, Rockwell Hall, 6000 Forbes Ave., Uptown. This workshop will help individuals become more knowledgeable with the program, and help them to learn how to save time and through its use. This is for Windows users only. Registration is required. For more information, call 412-396-1633.
Career Development Series
APRIL 18—UPMC will host a monthly Career Development Series from 3-5 p.m. at the Medical Arts Building, 3708 5th Ave., Oakland. This free, monthly session for job seekers will teach individuals how to navigate the website, apply online for jobs, write an effective resume and prepare for interviews. Registration is requested. For more information, call Barbara Jerry at 412-864-4257 or email
Academic & Career Information Session
APRIL 18—The Community College of Allegheny County South Campus will host an Academic & Career Information Session from 6-7:30 p.m. at 1750 Clairton Rd., West Mifflin. The topic will be "Engineering, Technology & Mathematics: Discover Educational & Career Opportunities." Registration is requested and this is free and open to the public. For more information, call 412-469-4301.
PowerBreakfast Meeting
APRIL 19—The African-American Chamber of Commerce of Western Pennsylvania will host its PowerBreakfast Meeting at 7:30 a.m. at the Rivers Club, One Oxford Centre, 301 Grant St., Downtown. The guest speaker Allegheny County Chief Executive Rich Fitzgerald will discuss the state of Allegheny County. Registration is requested by April 17. For more information, call 412-392-0610 or email
Job Fair and College Expo
APRIL 19—The Community College of Allegheny County Boyce Campus will host a Job Fair & College Expo from 9 a.m.-1 p.m. at the CCAC Boyce Campus, Student Union, 595 Beatty Rd., Monroeville. There will be a job fair and a professional dress fashion show at 11 a.m. by the Monroeville Area Chamber of Commerce. The event is free and open to the public. For more information, call 724-325-6771.
Members' Mixer
APRIL 24—The African American Chamber of Commerce of Western Pennsylvania will host its Member's Mixer from 5-7 p.m. at the Allegheny HYP Club, 619 William Penn Place, Downtown. This is an opportunity to visit one of Pittsburgh's oldest clubs and to network with Chamber members. Attendees are asked to come with business cards. Reservations are requested by April 22. For more information, call 412-392-0610 or email
(To have information on Business Calendar, send information at least two weeks in advance to: 315 E. Carson St., Pittsburgh, Pa. 15219; Fax: 412-481-1360 or e-mail:
Last Updated on Wednesday, 10 April 2013 09:54
Hits: 424
Budget sculpting
Written by Damon Carr
When it comes to your money, you should know where you are, where you're going, and how you'll get there. This all starts with the dreaded B-word—BUDGET. The very mention of the word budget sets off a feeling of confinement, restriction, limitation and loss of control. I admit there is a sense of confinement, restriction, and limitation associated with managing money—but it has nothing to do with a budget. What confines, restricts and limits us is the amount of money we make. Our income! So if you want to spend more, have more, and save more without sacrificing your lifestyle, you simply need to make more. A more formal definition of a budget would be a plan for spending, saving, and investing money. The importance of making a budget and sticking to it is to save for future goals while meeting present obligations.
Nobody wants to be tied down and confined—especially when it comes to our money. Most of us hold the position that it's my money and I'm going to do as I please. You showed up to work, bust your butt and earned it. I'm with you—do as you please! Just do it on purpose with a plan that includes your needs, goals, desires, responsibilities, and commitments. Otherwise doing what pleases you today without planning can be the catalyst for what will destroy you tomorrow—financially speaking.
Now that we have a basic understanding of why a budget is important, how do we know that our budget is something that needs to be followed or something that needs to be changed. If you're barely making it month to month or have "too much month left at the end of your money", the telltale signs are evident—SOMETHING HAS TO CHANGE. But what is that something? How do you quickly identify the area in your budget that's causing you problems? What if the telltale signs are not so apparent? You pay your bills on time each and every month. You have a few dollars left after the dust settles. Are you moving in the right direction? You manage to get the numbers to balance, but are you sacrificing your children's college fund, your retirement plan, your entertainment and recreational activity or tithing? If you're currently doing well financially, wouldn't you like to do better? A healthy budget recognizes that there are a lot of things we need, want, and desire in life—all of which have a price tag attached to them. A healthy budget does not limit or restrict you to pursue the things you desire in life. It simply helps you to understand that money is finite. There's only so much of it that will flow through our hands and we have to make the most of it.
I've compiled some budget percentage guidelines that will help guide you to ensure that as you spend money and obligate yourself to payments, you have considered that there are other things you want to do in life that requires money. These budget percentage guidelines will ensure that you're not overspending or under funding a particular category.
•Tithing/Charitable Giving—10-15 percent
•Housing—25-35 percent
•Food—5-15 percent
•Utilities—5-10 percent
•Transportation—10-15 percent
•Clothing—3-7 percent
•Savings—5-15 percent
•Medical/Health—2-7 percent
•Insurance—5 percent
•Personal—5-7 percent
•Recreation/Entertainment—5-10 percent
•Child Care/School 5-10 percent
•Debts—5-10 percent
These are guidelines and are not the universal standard. They are flexible and can be manipulated to line up with your priorities. The important thing to understand as you slice your money pie is that a bigger slice in one category will require a smaller slice in another category. For example, you can cheat up on the housing category allocating 40-percent of your income as long as you reduce your transportation category down to 5-percent.
Here's how it works. You want to total the amount of money you bring home in your paycheck each month. We're only concerned with our take home pay (net income) since what we take home in our paycheck is the only thing we can spend. From there you want to look at what you're currently spending on a particular category. To calculate the percentage of a specific budget category, all you have to do is divide the amount budgeted for that category by your net income. For example, let's assume that your net income is $2,000 per month. Each and every month you bring home about $2,000. Let's further assume that your house payment is $900 per month, your car payment is $450 per month and your debts (personal loans and credit cards) are $300 per month. By dividing housing payment of $900 into your net income of $2,000 you calculate housing to equal 45 percent of your net income. By dividing car payment of $450 into your net income of $2,000, you calculate transportation to be 23 percent of your net income. By dividing your debt payment of $300 per month, you calculate debt to be 15 percent of your net income. By comparing these percentages to budget percentage guidelines, you see that you're over spending in each in every category. By adding up the percentages in these categories you'll see that housing, car and debt accounts for 83 percent of your net income and you still have to buy food and pay utilities among other things. This leaves very little if any for tithing, savings, entertainment and other things you aspire to do with money.
Leave it to me to use an example that paints a grim picture. My example is a close depiction of what's taking place in most households. They camouflage their reality by using credit to finance the rest of their lifestyle. Like money, credit is finite; at some point you'll max out your credit and be forced to accept the wisdom in the budget percentage guidelines. I'd rather heed the advice now and begin to sculpt my budget to align with my priorities, values and goals and get the biggest bang for my buck.
(Mortgage and Money Coach Damon Carr is the owner of ACE Financial. Damon can be reached at 412-856-1183.)
Last Updated on Thursday, 11 April 2013 06:00
Hits: 456
Broadcasters worry about 'Zero TV' homes
Written by Associated Press
EXTREME CASE--James Weitze satisfies his video fix with an iPhone. He sleeps most of the time in his truck, and has no apartment. (AP Photo/James Weitze)
by Ryan Nakashima
AP Business Writer
LOS ANGELES (AP) — Some people have had it with TV. They've had enough of the 100-plus channel universe. They don't like timing their lives around network show schedules. They're tired of $100-plus monthly bills.
Last Updated on Monday, 08 April 2013 19:35
Hits: 356
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Size: 6"Diameter x 3"Deep (4.5"diameter bottom)Please note that all sizes are outside measurements unless otherwise indicated. Sizes, colors subject to a modest variance. Please note: due to movement in shipping, item may arrive with minor paint chipping and scratches. Items are individually wrapped in bags and are tightly packed in a box.
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Kaitlin Zinsli, Tala Hild lead the way at state | 2A swim & dive
By ADAM MCFADDEN
Renton Reporter Staff Writer
November 12, 2012 · 1:25 PM
Renton placed 17th and Lindbergh 24th at the 2A state swim and dive meet last weekend.
Senior Kaitlin Zinsli led Lindbergh with a fifth-place finish in the 50 freestyle with a time of 25.65 seconds. Renton's Tala Hild placed 10th in the event and seventh in the 100 fly.
Zinsli was also part of Lindbergh's 200-medley relay that made the finals and finished 15th, along with Erica Garl, Chelsey Guhlke and Abby Chufar. Zinsli took 18th in the 100 free.
Renton's Jordan Mattheisen placed 24th in the 500 free. The Indians' Eloisa Bautista took 11th in the 100 breast finals.
Renton's 200-free relay of Angela Vu, Bautista, Mattheisen and Hild took 13th in the finals. The Indians' 400-free relay finished ninth in the finals with the same swimmers. Lindbergh's team of Garl, Guhlke, Chufar and Zinsli placed 15th in the event.
Contact Renton Reporter Staff Writer Adam McFadden at firstname.lastname@example.com or 425-255-3484.Comment on this story.
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The 2012 Mountain Aire Twilight League Tournament Championship went to Scott Brothers Heating & Air, winning the championship final on Monday, Sept. 24.
Scott Brothers team defeated Furches Evergreens to claim this year's title.
Team members were Chad Scott, Randall Scott, Eric Greer, Gary Blevins, Chris Robinson, Ricky Brown, Neil Hardison, Barbara Brinegar, Seth Miller and Trent Brown.
Day's Boy Shop took home the regular season title earlier in the year.
Mountain Aire Golf Course would like to thank everyone who participated in this year's Twilight League and for helping continue the great tradition.


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Even though it's "more of the same," you'll still play next Call of Duty
September 6th, 2011
Call of Duty hasn't changed much since 2007's seminal Modern Warfare. But does it really need to, asks a new preview of Modern Warfare 3.
"What can you expect from Modern Warfare 3 when it releases later on this year?" writes Beefjack. "More of the same, but don't take that as a negative just yet. The amount of playtime that the Call of Duty games provide make them well worth the price tag, even if it just an upgrade to the game you're currently playing. For a game that lasts a year, the cost seems well worth it to me. And ultimately, Modern Warfare 3 is likely to appeal the exact demographic who bought the previous games. That's a lot of people."
Like it or not, in terms of hours played, Call of Duty is one of the most popular games each year. Probably not as popular as StarCraft, WoW, or even League of Legends. But certainly the most popular shooter.
In many ways, the annual Call of Duty is like the Superbowl of shooter games. A really good one only comes along every few years or so. But you still watch/play it due to its social implications. In other words, playing Call of Duty with Call of Duty friends is probably better than playing something else with no friends.
That said, will you play Modern Warfare 3 this fall because "everyone else is doing it?" Be honest. And would that be such a bad thing, provided it's at least a competent PC experience?
Read more: PC gaming headlines
P.S. I am First YEAH
julia_d said: Hmmmmm....
P.S. I am First YEAH
"A single dream is more powerful than a thousand realities." ~ J.R.R. Tolkien
Black ops killed CoD for me big time, unless this game is just that great I will stick with BF3...
The most Beautiful Gift ever given, was our Salvation!
Anything worth having is worth working hard for.
It takes 47 muscles to frown,and 17 to smile.. It only takes 3 to end a life.. One shot, one kill.
I'm renting this game for sure, just for the story. But as for buying... IW and Sledgehammer will really need to prove that they will give support before I buy.
Sever1ty said: I'm not a fan of the series, single player is okay though the multiplayer very repetitive and fun for only a short about of time, it is also filled with rude and immature teenagers. I'll definitely pass on the game.
It's like you can read my thoughts.
GenghisPF said: MW1 and MW2 were great games, they just needed patches which IW DID NOT DO. Therefore, it would be foolish to think that they will give any post release support for this game.
I'm renting this game for sure, just for the story. But as for buying... IW and Sledgehammer will really need to prove that they will give support before I buy.
Not true! They patched the game a few months after the release when people were already annoyed. You can still glitch in the 360 version of MW and hide under the map. Not sure how people do it but I was killed by someone under the terrain. Love all the glitches with people fully ranked with no effort. People calling in tons of care packages for weeks with no instant patch. People having a mini nuked which was the javelin. Oh and the game, despite being developed for multiplayer having issues with full parties getting into the game together. On the bright side, 3-4 months later most of the issues were fixed so MW3 will be a great game in March as a November release.
I will buy the game but Genghis is right, they don't really support the game properly. More importantly they don't test the game properly. Give an open beta so you can have free testers to help release a polished game.
The worst thing that happened to gaming was becoming a huge industry. All it did was create more shit and stifle innovation for follow-up titles.
reason #2 hackers paradise this game is one of the worse hacker games I've ever seen you cant play 1 game without someone cheating and making it unfair.
reason #3 stabability when this comes out its so glitchy and buggy this game is rushed for release which is just wrong for any game to be rushed just so the developers can be cheap and make money off it, plus it takes them 6 months just to release a patch that fixes 1 or 2 out of many bugs
in my full honest opinion this game should be banned and removed for the garbage and trash it brings into the gaming world of trash talking kids, hackers, cheap deleopers, and much more
Maybe with my new rig, but probably not.
"He who controls the present, controls the past. He who controls the past, controls the future.
Not saying that COD isn't inspiring because it very much can be but when "Social Implication" is brought into the equation it sounds as if you are playing the game because we have nothing better to go to.
Through all the differences it is still perfection.
That being said, I would much prefer other shooters, for example, Battlefield 3.
Recently I found the very very distinctive difference between the 2... Call of Duty is a twitch shooter.. very quick reaction times is what it's all about. Where as Battlefield is a Team Based shooter. Working as a team to take objectives.
Each game deserves their own respect in their own genre and I plan on picking up both.
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From my blog:
The most challenging course I am taking at Pardes is called "Critical Issues in Modern Jewish Thought." There is no Hebrew involved. There is no Aramaic. I don't even have to memorize birth and death dates of famous Jewish thinkers. What I do have to do, however, is think for myself. And it's hard.
During each session, we alternate between group discussion and silent reading. We read philosophers such as A.J. Heschel, Mordechai Kaplan, Rav Soloveitchik, Chief Rabbi Lord Jonathan Sacks, and Cynthia Ozick. We covered topics such as the nature of God, the authorship of the Torah, the authority of Halahkah, and post-Holocaust theology. At the end of each unit, a few students volunteer to give a presentation: as a class, we generate a series of questions that the presenting students have to answer. Next week, I will be presenting on the topic of Feminism in Judaism. Today, while preparing to speak about this topic, I found myself spending many thoughts and minutes on each sentence; this is a tough issue that I care about greatly. It inspired a good deal of personal reflection, and Continue reading