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EDINBURG — Hidalgo County Commissioners, citing the need to work diligently at creating new economic opportunities, agreed to pay a $30,000 service agreement for Rio South Texas Economic Council at their last meeting of the year on Thursday.
Officials with RSTEC, including Mission Economic Development Authority's President/CEO Pat Townsend Jr., who also serves as RSTEC's treasurer, said the membership fee would help the organization conduct research and studies for future economic development.
RSTEC, a non-profit group formed last year, engages in marketing activities to generate opportunities that will result in economic expansion and diversification in Hidalgo, Cameron, Willacy and Starr counties.
Townsend, who said the group's biggest action over the year has been in hiring Raudel Garza as RSTEC's executive director, explained that the group has sought payment from Cameron County, but hasn't heard back about the funding.
"We're selling the community," Townsend said of the group's endeavors, adding that a lot of effort is concentrated in Hidalgo County with most of its municipality members from Hidalgo County.
In other action at this week's special meeting, the Regional Mobility Authority asked county officials to work with the group on televising RMA meetings.
The payment of broadcasting RMA meetings on KMBH would be paid through the RMA's budget, said RMA Executive Director Godfrey Garza. The group asked the county to assist in meeting with KMBH officials about the cost and probability of broadcasting the meetings.
"The more you put out to our constituents…is very important," said Precinct 1 Commissioner Joel Quintanilla, who said he was in favor of broadcasting the meetings.
In other items, the court approved its regular meeting schedule for 2011. Starting in January, the court will meet at the Edinburg City Hall as a construction crew works on the Hidalgo County Administration building on Cano Road. Regular meetings were set for the fourth Tuesday of every month at 9:30 a.m. The Hidalgo County Drainage District No. 1 will meet the same day at 9 a.m.
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The Progress Times is the hometown newspaper for the local communities of Mission, Sharyland, Alton, Palmview, La Joya and surrounding areas in Western Hidalgo County. We have a staff of veteran reporters who work diligently every week to bring our readers the latest news as it affects their hometown area and people.
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Come Visit Me At AOL Daily Finance
August 1st, 2011Thanks to all of the readers who sent me well wishes after my final column on Yahoo!Finance, which appeared July 28. The piece was a tribute to my brother-in-law Bob, who was married to my sister for 38 years and died in late July at age 59 after a long battle with a brain tumor. A father of five, a coach, a generous volunteer and a man of faith, Bob had a unique talent for finding the good in everyone. I hope you'll read the column.
On August 1, I joined AOL Daily Finance, part of The Huffington Post Media Group. I'm delighted to back in a newsroom in New York City with a terrifically smart group of reporters after working mainly from home for a number of years. I'm trading a weekly column, teaching a moral values class at Seton Hall University and book writing — I just finished my sixth — for full-time reporting, and couldn't be happier.
I am covering retirement, consumer issues and, of course, money and happiness, across a range of media platforms. Journalism is shifting at lightning speed, and The HuffPost has assembled a forward-thinking team to test the limits of what is possible. I'm excited to join them.
I'll still be doing interviews and TV appearances on personal finance topics (look for an upcoming piece in The Miami Herald and a Better TV appearance in late September).
Here are links to my recent stories. I'll continue to post them here on a weekly basis, or please follow me on Twitter @MoneyHappiness. Stories will go up there daily. Please continue to send me your questions and thoughts at firstname.lastname@example.com. As always, wishing you eudaimonia in abundance!
Study: Overdraft Misery Continues Despite Fed Rules
For a Happy Shopping Experience, Avoid Dressing Room Comparisons
The Secrets of Investors Who Keep Their Cool in Chaos
How To Plan for Retirement Amid Stock Market Mayhem
Faltering U.S. Confidence Foreshadows Market Turmoil
Debt-Ceiling Fallout: States to Take Another Hit
Semantics of Longevity: Why Words Are a Matter of Life or Death
Leasetrader.com Hopes to Help Drivers Find Better Leases
How To Trade Retirement For More Time Off Today
How to Get Americans to Take Retirement Later Rather Than Sooner — And Why
- Blogging Again
- Earnings Over $75K Don't Buy A Lot More Happiness: Study
- Jon Stewart's Take on CNBC
- When Swamped with High-Quality Supply, Consumers Spend More, Not Less
- Check Your Receipts for Errors
People Who Understand Compounding More Motivated to Save For Retirement
July 20th, 2011Researchers at the University of California San Diego and New York University asked college students to calculate how much they would have saved after putting aside $400 per month for 40 years compounded at a 10 percent annual rate. The typical undergraduate estimated the total at less than $250,000, when, in reality, it would be nearly $2.5 million. The research appears in a forthcoming special issue of the Journal of Marketing.
Craig McKenzie, psychology professor at UC San Diego, spoke about the research last month at a conference I attended in Boulder, Colorado on consumer financial decision making.
"One group had to do an intuitive estimate, while another group was given a simple calculator – but they gave essentially the same answer," he said. "People grossly underestimate the cost of waiting to save, and that bias has important implications. They think they can wait 20 years and save twice as much later to make it up, when in fact they will have to save five, seven or eight times as much because they are not taking advantage of the exponential growth."
To illustrate the point, college students were asked to estimate how much would be needed to compensate for not saving $100 per month for the first 20 years of a 40-year career, in which interest was compounded at a 10 percent annual rate. More than half of undergraduates estimated they would need to save $200 per month to make up for the 20-year delay in saving. However, it would require nearly $800 per month to make up for the lost time.
McKenzie and co-author Michael Liersch find that drawing people's attention to the exponential growth of savings motivates them to boost their nest egg. For example, in one study, employees in a Fortune 100 company were shown their projected future account balances, rather than their present 401(k) balances. Future account balances motivated employees to want to save more.
The reality is, consumers have a hard time managing the interrelated concepts of interest rates, monthly savings or payments and time. This week's Yahoo!Finance column (out tomorrow) looks at research presented at the same conference on these issues as they relate to credit card debt, and why we tend to underestimate the amount of time it takes to pay off plastic.
Elsewhere, the Consumer Financial Protection Bureau officially opens for business tomorrow, and it's already out with a study on credit scores. The CFPB found that the credit score you receive from one of the credit bureaus may be very different from the score the bureau gives to a lender who asks for your score. Credit reporting agencies use different models and choose different financial data to crunch into different credit scores for consumers than they do for banks, retailers, landlords and other creditors. Check out this CNNMoney story for more.
- Many don't understand their credit scores
- Credit Scores May Become Free…For Uneducated Consumers
- Making Financial Fitness Fun
- Credit Cardholders' Bill of Rights Act
- Freecreditreport.com: Annoying
Declaring Your Financial Independence
July 15th, 2011On July 4th, I appeared on The Willis Report on Fox Business News. I weighed in on the topic of declaring your financial independence, something near and dear to my heart. (Sorry I don't have video, here's a transcript and a related story on the topic.) The advice below may strike you as pretty common sense, but I follow it religiously, and it helps me live a value-driven life, without stressing a lot about money:
1) Thou shalt not live beyond thy means: Get a budgeting tool that works for you so you know exactly what's coming in, exactly what's going out — and then make choices and set goals for the money based on what you value most. Be creative; fun is often free (see my previous post regarding Bananagrams and country club fireworks, and #2 below.)
2) Thou shalt set aside 3-6 months of funds for emergencies. Once you have a handle on step number 1, it is easier than you think to get to step number 2. Be frugal in things that don't make much of a difference in your lifestyle (stick with generic household brands, call your insurer once a year and try to get your auto and homeowners premiums reduced).
And make the most of freebies! My friend Julia Scott over at the BargainBabe has some terrific stuff on tap today…free ice cream, free bowling, even a free bra. Lots of coupons too. Use your savings to build a rainy day fund that will give you peace of mind.
3) Thou shalt pay off any balance on thy credit cards in full and on time each month. Just do it.
4) Get the best deal on major financial products. Don't spend your precious time saving 25 cents on a can of tuna. Worry about getting competitive bids from at least three lenders when you take out a mortgage or a car loan. Learn how to take care of your credit score, which will get you the lowest interest rates on loans and save you tens of thousands of dollars over time. Get the big purchases right. They matter.
5) Save early and often for retirement and the cost of college for your kids. Try to do it in a tax-advantaged vehicle, such as a 401(k) and IRA for retirement, and a 529 savings plan for college. It is enormously hard to catch up if you don't get in the habit early on, and the earlier you start the more compounding works to your advantage.
Let's say that starting at age 22, you set aside $5.50 a day ($2,000 a year) in a Roth IRA, and stop at age 30. Assume your savings grow at an average of 9 percent a year and you don't touch the money until you're 65. You'll have more than $500,000 for retirement — and you'll have a bigger nest egg than someone who starts at age 31 and contributes for 35 years! That is the power, the beauty, the majesty of compounding at work! (Yes, I was one of those dorky 22-year-olds who embraced retirement planning.)
Don't understand investing? Spend an hour with a fee-only investment planner who can help you choose appropriate funds for your age and risk appetite. Tell this planner you want to use index funds and other investments that have very low fees. Do not choose a planner who earns a commission for getting you to invest in specific products.
Okay, lecture is over, class dismissed. Have a great weekend.
What rules have proven invaluable to you in achieving financial independence and peace of mind? Comment here or email me at laura at laurarowley dot com.
- Making Smarter Financial Choices
- The Habits of Financially Peaceful People
- Should I Pay Off The Mortgage?
- 529 Pain
- College Savings and Financial Aid Eligibility
When Swamped with High-Quality Supply, Consumers Spend More, Not Less
July 14th, 2011Economics 101 states that price declines as supply increases. But today's Yahoo!Finance column covers a new study showing when it comes to high-quality purchases, that's not true. When confronted with a dense selection of luxury items, consumers' focus shifts away from price to quality, and they tend to overspend.
In any case, if you're wondering where I've been these last few weeks, the answer is simple, chained to my computer. And traveling while chained to my computer. I hosted a roundtable on personal finance for the members of Women in Cable Television at Time Warner Center in New York in late June (here's a related story). We celebrated the eighth grade graduation of my oldest daughter. Then I headed out to the Boulder Summer Conference on Consumer Financial Decision Making, sponsored by the Leeds Business School at the University of Colorado. In a gorgeous mountain setting, some terrific research was presented (I'm fascinated by things like annuity purchase decisions). Watch for upcoming stories.
I went almost directly from Colorado to Chicago for my mother's 80th birthday, which was celebrated by her eleven children and 26 grandchildren (and my dad was no doubt there in spirit). Beautiful. Thanks to my college roommate Patty for putting us up, showing fabulous sportsmanship in multiple rounds of Bananagrams, and for taking us to the hospital parking lot where you can watch the country club fireworks for free. Sweet. Thanks to brother Tom for hosting a BBQ for basically a million of us at his place on July 4. And thanks to my niece Ellie for pushing him in the pool. Classic.
Meanwhile, the deadline for my sixth book arrives at the end of the month. A crazy summer, but as my friend Elizabeth likes to say, it's all good. I've spent so many years juggling multiple projects on deadline (and three kids), I've become the zen master. It all gets done somehow. (As my heroine Eleanor Roosevelt said, "You must do the thing you think you cannnot do.") Maybe it's a mid-life thing, but I've finally learned you can meet a deadline kicking, screaming and weeping, or meet a deadline without kicking, screaming and weeping. The latter choice makes you, and the people you love, a lot happier. (A cold glass of Vouvray now and then after a long day of writing helps too.)
Finally, on August 1, I am leaving Yahoo!Finance to join AOL/The Huffington Post as a senior writer on the business desk, heading up retirement coverage, continuing to provide personal finance tips in the media, and keeping tabs on the topic of money and happiness. Thanks to the kind folks at Yahoo!Finance, including Becky Auslander, Chris Hunter, Bahareh Ramin, Diane Galligan and Lisa Scherzer, and former Yahoos Christopher Jones, Mark Holcomb and Tanya Singer. It was an awesome six years.
I'll continue to blog here as well, so drop me a line with questions or comments at laura at laurarowley dot com.
- Loving Life With No Cable
- Asking for "Grace Days" on a Credit Payment
- Where the Jobs Are in 2008
- Good Morning America: Cutting Travel Costs
- Credit Scores May Become Free…For Uneducated Consumers
Can Consumer Finance Regulation Imitate the Success of Airline Regulation?
June 10th, 2011Just one year after the U.S. Department of Transportation issued its rules on tarmac delays, only 20 delays of three hours or more were reported. That compares with 693 delays in the prior year, before the rules were implemented — a whopping 97 percent decline.
Critics had predicted that the rules, which slap the airlines with hefty fines if they leave passengers sitting on the tarmac for more than three hours, would result in an epidemic of airline cancellations, as carriers terminated flights to avoid the rule.
That didn't happen: The number of canceled flights with tarmac delays of more than two hours – those most likely to be canceled to avoid violating the rule – increased only slightly, from 336 between May 2009 and April 2010 to 387 between May 2010 and April 2011, the DOT reported.
These additional 51 cancellations compare to more than six million flights operated by the reporting carriers in a given year, the DOT reports.
Could rules governing the worst financial products (pay day loans, toxic mortgages) produce similar wins for consumers? As I noted in today's Yahoo!Finance column, the Consumer Financial Protection Bureau, a new agency created by the Dodd-Frank financial regulation bill, is set to open July 21. The CFPB's goal is to provide more transparency to consumers so they can compare financial products in an apples-to-apples way, and will be the first government agency focused solely on the welfare of consumers in financial transactions. (The mission of existing agencies is focused on the soundness of banks. What exactly did The Fed do amid warnings that out-of-control lending would lead to a real estate collapse? It kept interest rates really really low.)
But the CFPB must have a director in place by July 21 to receive its regulatory authority. That should rightly be Elizabeth Warren, the Harvard law professor who set up the agency as a special advisor to the president. But Senate Republicans have vowed to block the nomination of any director unless major changes are made to the agency. Consumer advocates charge that the GOP is trying to weaken the agency's powers at the behest of Wall Street and the financial services lobby, while the senators say the agency will stifle financial innovation.
We don't have to look to other industries for examples of regulatory success. See this 2009 post about Vermont, which had the lowest foreclosure rate in the country. Vermont also has some of the most rigorous mortgage lending laws, requiring mortgage brokers, for example, to have a fiduciary duty toward borrowers, that puts them partly on the hook if a client defaults.
We have a Consumer Product Safety Commission to make sure dangerous products don't kill or maim. We have an Environmental Protection Agency to insure polluters don't do the same. We have a Department of Transportation to keep consumers safe and help make travel a minimally decent affair. Why not an agency that helps ensure people don't wreck their financial lives?
Click here to sign a petition calling on Republicans to stop blocking Warren's nomination.
- Consumer Financial Protection Bureau Sets Priorities
- Bumped But Happy: The New FAA Rules
- Sotomayor Gets a Windfall: Karmic Justice?
- Tax Refunds Delayed
- Archive of Personal Finance Stories & Tips
Financial Literacy Quiz
June 8th, 2011This week's Yahoo!Finance column tackles the issue of financial literacy, and discusses whether a new agency devoted to consumer financial protection can make a dent in the larger problem. How literate are you? Just 10% of people surveyed by literacy expert Anna Maria Lusardi got 100% on the following test. Give it a try.
1) Suppose you had $100 in a savings account and the interest rate was 2% per year. After 5 years, how much do you think you would have in the account if you left the money to grow?
a. More than $102
b. Exactly $102
c. Less than $102
d. Do not know
e. Refuse to answer
2) Imagine that the interest rate on your savings account was 1% per year and inflation was 2% per year. After 1 year, how much would you be able to buy with the money in this account?
a. More than today
b. Exactly the same
c. Less than today
d. Do not know
e. Refuse to answer
3) If interest rates rise, what will typically happen to bond prices?
a. They will rise
b. They will fall
c. They will stay the same
d. There is no relationship between bond prices and the interest rates
e. Do not know
f. Refuse to answer
4) Please tell me whether this statement is true or false. A 15-year mortgage typically requires higher monthly payments than a 30-year mortgage, but the total interest paid over the life of the loan will be less.
a. True
b. False
c. Do not know
d. Refuse to answer
5) Please tell me whether this statement is true or false. Buying a single company's stock usually provides a safer return than a stock mutual fund.
a. True
b. False
c. Do not know
d. Refuse to answer
(Answers: a, c, b, a, b)
- Try This Financial Literacy Test
- Should you pay off your mortgage early or invest in your 401(k)?
- Save Money by Rounding Up Your Payments
- A Primer on Rate Cuts
- To Pay and Pay Off
Friday Bargains Galore
June 3rd, 2011Last night I started my Christmas shopping. I have sworn for years that I would do this — shop online WAY ahead of the season, buy a little at a time, and wrap the goods the second they arrive so I'm stress-free in December. I have three kids, so I started with classic winter clothes for the youngest on landsend.com and companykids.com. Did you know you can find brand spanking new winter sweaters for 60 to 70 percent off the original price if you're willing to shop in June?
My kids don't read the blog, fortunately, so I can give you a couple examples: Check out this Girls' Shawl Collar Cardigan marked down from $29.50 to $9.99 (I got the raspberry). Or this sweet bow-tie sweater marked down from $34 to $9.99. I also got free shipping on the Lands End stuff by using the promotion code COOLER from RetailMeNot (pin: 4353). This promo lasts through June 9. Before you buy, always do an internet search for the name of the store and the word "coupon." I'm a girl with an eye for a pre-holiday bargain, so send me your favorite sale sites. (My kids are 14, 11 and 8).
Speaking of bargains and freebies, check out some nice offers over at the Bargain Babe this Friday: free food, MP3 downloads, magazines, museum passes; cheap Dodgers baseball tickets, and even bikini separates for $5. Sounds like the makings of a perfect weekend. Enjoy!
(You can always comment on the site or contact me at laura at laurarowley dot com.)
- Valentines Freebies from the Bargain Babe
- My First Grocery Freebie
- File Taxes for Free & Other Bargains
- Best Online Bets for Your Financials
- Tips on Buying Used Cars
Sotomayor Gets a Windfall: Karmic Justice?
May 28th, 2011Check out my post over at RealSimple.com about Supreme Court Justice Sonia Sotomayor, who on Friday disclosed that she had received a $1.2 million book advance for the story of her early life. Seems a fitting reward for a life of public and personal service.
Meanwhile, my archives over at Yahoo!Finance haven't been updated in quite a while, so here's a list of Money & Happiness columns from the last few months. A little beach reading for the Memorial Day Holiday. Cheers.
Jan 6 Four Essential Rules for Financial Success
Jan 13 What Investors Really Want
Jan 20 Character Traits and Behaviors that Make You Rich
Jan 27 The Last Name Effect on Buying Behavior
Feb 3 Getting Serious About Getting out of the Red
Feb 10 Spending Money to Fit In
Feb 17 Secrets to Winning College Scholarships
Feb 24 The Business of Staying Married
March 3 Be Happy Live Longer
March 10 Understanding Opportunity Costs Can Make You Rich
March 17 Time the Market at Your Peril
March 25 Getting a Better Deal in Your 401(k) Plan
March 31 Free Financial Assistance from All Over
April 7 Seven Things You Should Never Say to Kids About Money
April 14 The Best Ways to Use a Tax Refund
April 21 Avoid First-Date Financial Disasters
April 28 Finding Red Flags in Your Adviser's Record
May 5 The Financial Toll of Workplace Bullies
May 12 How Debt Has Become "the American Way"
May 19 When to Question the Conventional Wisdom
- Would You Want the Woes of the Super Rich?
- Archive of Personal Finance Stories & Tips
- The Gap Between Rich and Rich
- Survey: Who's Happy? High-Earners, Older People, Republicans
- More best-kept financial planning secrets
Financial Planning and Death
May 26th, 2011My Yahoo!Finance column today looks at a new test offered by a company called Life Length, which estimates your lifespan by measuring your telomeres (structures at the end of your chromosomes). People with relatively short telomeres die sooner than other people, although diet and exercise can affect longevity. Better knowledge of your expected lifespan might enable you to plan your finances with much more precision, because you'd know how many years you would likely spend in retirement, and then save and spend accordingly.
I spoke with Duke University behavioral economist Dan Ariely, who is generally in favor of telomere testing: "Finance is really about understanding what the future is and doing the tradeoffs; in financial reasoning I don't see much downside. It reduces uncertainty so you can make better decisions."
But we also discussed unintended consequences. There's a concept in psychology known as "the mere measurement effect." Once you get very specific about something, it takes greater prominence in your thinking. "If you measure something, you make it more important by the virtue of measuring it," says Ariely.
For example, Anna Maria Lusardi of Dartmouth has found that people who put a ballpark number on their retirement goal save more money than those who don't. Elsewhere, researchers have found that when they called potential voters and asked them if they were planning to go to the polls on election day, they were more likely to do so.
So imagine people are now focused on their mortality. Would it seep into other domains of their lives? For instance, could "telomere scores" becomes one of the factors in online dating? "People will start thinking, 'how does it feel to outlive somebody?' 'Do I want them to outlive me?'" Ariely notes. "When you think about something that's in present and somewhat in the future — like marriage — it might actually backfire." In other words, you might rule out guys with short telomeres and blow the opportunity to meet your soul mate.
Ariely and I also talked about the pernicious unintended consequences of a readily available telomere test: It's feasible to think life insurance companies would require as part of policy underwriting. "Suddenly people who need insurance more would have to pay much more," says Ariely. "You would lose something very basic about insurance." Or what about credit card companies? Would they require a telomere test to ensure people with short telomeres don't run up their cards traveling first class to Paris ahead of their expected demise?
Would you take the test? Why or why not? Comment here or email me at laura at laurarowley dot com.
- Trading Up Just Makes You Poor
- FAQs on IRAs
- Putting Past Financial Decisions in Perspective
- Retirement Worries Grow
- The Gap Between Rich and Rich
Relying on One Kind of Wealth Creates Fear
May 21st, 2011Beautiful piece on the Huffington Post by author Anne Naylor today called "How to Restore Your Spirit of Wealth." She articulates something I've always believed — that wealth is really a form of energy. The gift of abundance can manifest itself in cash, but it can also manifest itself through creativity, inspiration, strong relationships, fulfilling work, good health, a robust spiritual life.
Relying too much on cash and materialism for your definition of wealth can leave you depleted, she writes: "The issue is that money and possessions can get 'sticky.' That is to say we can become over-dependent upon them. Attached and fearing their loss, we become driven to protect and increase the supply, in case we lose the comfort and pleasure they give us."
I'm not saying that material wealth is bad, it just has to be kept in perspective. I was chatting about detachment with my friend Claire, a yoga teacher, as we rode a very noisy school bus to our second graders' field trip this week. There is enormous freedom and joy in not allowing material things to make a claim on our hearts. Enjoy and share generously. If we grasp too tightly our hands and hearts may not be open to accept the other forms of wealth that come along.
Easier said than done, I know. In any case, if you're feeling down about the numbers in your bank account or the red in your credit card statement, read Naylor's lovely piece.
Meanwhile, here's my recent appearance on Meredith's Better TV on what you should never say to your children about money. Have a great weekend!

subset: commoncrawl


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Promotion (marketing)
Promotion is one of the market mix elements or features, and a term used frequently in marketing. The specification of five promotional mix or promotional plan. These elements are personal selling, advertising, sales promotion, direct marketing, and publicity.[1] A promotional mix specifies how much attention to pay to each of the five subcategories, and how much money to budget for each. A promotional plan can have a wide range of objectives, including: sales increases, new product acceptance, creation of brand equity, positioning, competitive retaliations, or creation of a corporate image. Fundamentally, however there are three basic objectives of promotion. These are:[2]
- To present information to consumers as well as others.
- To increase demand.
- To differentiate a product.
There are different ways to promote a product in different areas of media. Promoters use internet advertisement, special events, endorsements, and newspapers to advertise their product. Many times with the purchase of a product there is an incentive like discounts, free items, or a contest. This is to increase the sales of a given product.
The term "promotion" is usually an "in" expression used internally by the marketing company, but not normally to the public or the market - phrases like "special offer" are more common. An example of a fully integrated, long-term, large-scale promotion are My Coke Rewards and Pepsi Stuff. The UK version of My Coke Rewards is Coke Zone.
Promotional activities to push a brand enabling social media channels to spread content making something viral such as the advertising by Coke[3] [4] using the release of a new bond film creating a huge amount of attention which then gets promoted across all social channels by people spreading the information due to excitement.
Promotion can be done by different media, namely print media which includes Newspaper and magazines, Electronic media which includes radio and television, Digital media which includes internet, social networking and social media sites and lastly outdoor media which includes banner ads, OOH (out of home) .
See also[edit]
- Sales promotion
- List of marketing topics
- Marketing management
- Spin (public relations)
- Market mix modeling
- ^ Rajagopal. (2007) Marketing Dynamics: Theory and Practice. New Delhi, India: New Age International. Retrieved April 5, 2010, from NJIT EBook Library: http://www.njit.eblib.com.libdb.njit.edu:8888/patron/FullRecord.aspx?p=437711
- ^ Kurtz, Dave. (2010). Contemporary Marketing Mason, OH: South-Western Cengage Learning.
- ^ Advertising by Coke: http://www.chameleonwebservices.co.uk/advertising-by-coke-to-unlock-the-007-in-us/
- ^ Coca-Cola Christmas Advert :http://www.thedrum.com/news/2013/11/08/coca-cola-christmas-ad-hit-screens-during-x-factor
This marketing-related article is a stub. You can help Wikipedia by expanding it. |


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Introduction to Systems and Business Analysis
Value: 0.5
Course Co-ordinator: Dr Paul Ralph
Pre-requisites: None
Term Taught: Michaelmas
This one-term introduction to qualitative business analysis is an intellectual roller-coaster that careens through the tunnel of modeling, past the forest of interpretation, around the loop-de-loops of report writing and over the ocean of information technology. MythBusters meets Microsoft in this philosophical slugfest over the fallacies and pitfalls of IT-enabled life. From hacking bank accounts to managing software projects, from the superfluousness of airport security to the myth of requirements, this course will hit you week after week with paradigm breaking insights that will change the way you see IT, business and life forever.
This is a non-technical introduction to qualitative analysis and conceptual modeling. It involves an ambitious, challenging multi-stage term project including collaborative and individual elements, primary and secondary research, research on analysis and analysis of research. There is no textbook. There is no exam. There are no slides. Come to each class ready to work. Education is not a spectator sport.
Example Topics
- conceptual modeling
- requirements and goal modeling
- process modeling
- stakeholder analysis
- cost-benefit analysis
- scenarios and personas
Learning Outcomes
- Understand and apply systems thinking
- Understand the IT design process (the real one, not the one usually found in textbooks)
- Understand and apply qualitative systems analysis techniques
- Understanding and apply informal and semi-formal conceptual modeling techniques
- Improved competence in analytical report writing
Teaching Methods
Lectures and Seminars
Contact Time: 25 hours
The expected total workload for the course is approximately 80 hours. This includes time to complete the coursework assessment.
Further Information
The undergraduate secretary for the Management Science department is Helena Greenwood, in A68 Management School. Her office hours are 10 - 12 and 2.30 - 4.30.
The course will be assessed by:
- Weekly quizzes on readings (20%).
- A multi-stage analytical report which may include an outline, draft(s), reviews of other students' work and a final paper.
Standard departmental penalties will apply for late revised drafts unless you have been given an extension by the relevant lecturer for exceptional reasons. For all other assignments, late submissions will not be accepted.
Optional Readings
If this class sparks your interest in systems analysis and design and you want to read more, we suggest the following books. The relevance of the books by Klein and Stanovich may not be immediately apparent, but these are perhaps the most important.
Alexander, C.W. Notes on the synthesis of form, Harvard University Press, 1964.
Alter, S. The work system method: Connecting people, processes, and IT for business results, Work System Press, 2006.
Brooks, F.P. The design of design: Essays from a computer scientist, Addison-Wesley Professional, 2010, 448 pages.
Checkland, P. Systems thinking, systems practice, Wiley, Chichester, 1999.
Checkland, P., and Poulter, J. Learning for action, Wiley, 2006.
Cross, N. Designerly ways of knowing,
Springer, 2006. Fowler, M. UML Distilled, Addison-Wesley: Reading, Massachusetts, 2004.
Jackson, M. Problem frames: Analyzing and structuring software development problems, Addison- Wesley Longman Publishing Co., Inc., Boston, MA, USA, 2001.
Klein, N. The shock doctrine: The rise of disaster capitalism, Metropolitan Books, 2007.
Norman, D. The design of everyday things, Doubleday Business, 1990.
Schneier, B. Schneier on Security, www.schneier.com.
Schwaber, K., and Sutherland, J. The Scrum Guide, Scrum.org, 2010.
Simon, H.A. The sciences of the artificial, (3rd ed.), MIT Press, Cambridge, MA, USA, 1996.
Schön, D. A. 1983. The reflective practitioner: how professionals think in action, Basic Books, USA.
Stanovich, K. What intelligence tests miss: The psychology of rational thought, Yale University Press, New Haven, CT, USA, 2009, 308 pages.
Tufte, E.: The Cognitive Style of Powerpoint. Graphics Press, Cheshire, CT, USA (2003).
Waldrop, M.M. Complexity: The emerging science at the edge of order and chaos, Simon and Schuster, New York, USA, 1992.


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It's All Politics What 'Lincoln' Says About Today's Congress January 10, 2013 The anti-slavery movie has picked up a dozen Oscar nominations. Its resonance may stem partly from the way in which it shows politicians working out a deal on a tough issue — something many Americans ardently wish for today.
The Two-Way Report Of First Doctor To Treat Lincoln Rediscovered June 5, 2012 Dr. Charles A. Leale, 23, was in Ford's Theatre that fateful night. He ran to the president's side. The first thing he ordered for Lincoln was brandy and water. Then he began treating the mortally wounded president. Leale's account had been missing.
Blog Of The Nation February 9: What's On Today's Show February 9, 2012 On today's TOTN: who's telling the truth about the war in Afghanistan? Historian Noah Andre (Andy) Trudeau needs your help in his search for Abraham Lincoln. The evolution of the Occupy Wall Street movement. And can you review music in 140 characters or less?
It's All Politics Obama Cites Lincoln As Model Of Principled Politician Who Compromised July 22, 2011 A memorable moment from President Obama's Friday town hall meeting at the University of Maryland, especially for Abraham Lincoln fans, was when the president cited the 16th president to make the point that it's possible to be a person of principle who makes compromises.
The Two-Way Date On Lincoln Document 'Started To Look A Little Hinky,' Archivist Says January 25, 2011 The more he looked at a presidential pardon supposedly written on the last day of Abraham Lincoln's life, the more a National Archives researcher suspected it had been tampered with. Now, a historian has admitted doing just that. Listen Loading… 3:10 Download Playlist
It's All Politics Obama Gets 'Royal' Treatment (From Opponents) November 22, 2010 Obama joins the long American tradition of presidents who've been accused of acting like kings. Going all the way back to George Washington, presidents have been accused of putting on royal airs.
Blog Of The Nation Tried By War October 20, 2008 James McPherson, an eminent Civil War historian, joins us to talk about his new book on Lincoln's war powers.


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by Sean McLachlan (RSS feed) (2 years ago)
Feb 11th, 2012 at 10:00AM: While researching my travel series on Greece I noticed some interesting things that didn't fit into any of the articles. Some of these observations may be obvious to those more familiar with Greece, but odd first impressions are one of the fun things about travel! 1. Flying low over the Aegean as we made our descent into Athens airport, I swear I saw dolphins playing in the blue waters. We were...Click on a label to read posts from that part of the world.


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Nominations are in for the 2014 MTV Movie Awards
Watch Sunday, April 13
5 Things to Know About Nathan For You's Nathan Fielder
Watch now!
Achy Breaky Part 2 is a thing and now the world makes sense
Watch now!
Add these new songs to your playlist ASAP
Miley, Charlie and more!
November 7th, 2012
Canada has its share of music festivals and conferences, but there's something about the Halifax Pop Explosion that makes it unique. Maybe it's because the fest began during the titular happening in the early '90s, when bands like Sloan, Jale, The Super Friendz and Thrush Hermit, among others, became the hottest bands in the country. With 150 bands playing in 20 venues over five days to over 20,000 fans, Damian and The Wedge team traveled out east to see just what all the buzz was about this year, in its 20th anniversary.
On tonight's episode, Damian takes us around Halifax to some local hotspots, speaks at the conference about the records that saved his life, and interviews Zola Jesus, Ceremony, Black Lips, The Super Friendz and Career Suicide.
The Wedge airs every Wednesday at 11:30 PM EST. Follow us on Twitter at @MUCHTheWedge.
Tags: Blog, Damian Abraham, Halifax Pop Explosion, The Wedge
Posted on Wednesday, November 7th, 2012 at 4:55 pm by Cam and is filed under Blog, Blog, The Wedge.


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HGST Ultrastar 15K147 HUS151414VL3600 - hard drive - 147 GB - Ultra320 SCSI
Manufacturer: Hitachi Part number: HUS151414VL3600
$190.00 - $328.35 at 3 online stores
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- More product information:
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- With average seek times as fast as 3.3ms, average latency of 2ms, and as much as 33 percent more in I/Os per second than its 10,000 rpm rivals, enterprise customers can access their data more quickly and efficiently. These performance characteristics of the Ultrastar 15K147 make it the ideal solution for mission-critical enterprise computing environments like online ... Read more
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*Total price for the HGST Ultrastar 15K147 HUS151414VL3600 are estimated and may vary slightly based on exact tax, shipping, manufacturer rebate or any sale/promotion on the merchant site.


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Following fashion foot by foot. This is all about shoes. I don't own credits for the photos, I just want to share my love for shoes. If you see your photo here and would like to claim credits for it, please let me know and I'll be happy to link you!
I am obsessed with shoes with an ankle bracelet. Plus these remind me of the Barbie shoes that I used to collect when I was a kid.- Virginie Dhello
Shoes: Christian Louboutin
Louboutin's Paris
Shoes: Lady Peep Spikes 150mm Location: Chimères, Paris FrancePhotographer: Peter Lippmann
Love the shielded shoes.
Shoes: Christian Louboutin for SacaiPhotographer: Andrew Yee (Atelier Management)Stylist: Yi GuoHair stylist: Jeff FrancisMakeup artist: Eric PolitoModels: Ming Xi and Antonia WesselohEditorial: Vogue China, November 2012
London Fashion Week is almost over and it's time for Milan and Gucci is on tomorrows schedule.
Schedule for MFW here.
One word for Jonathan Saunders collection - exquisite.
And shoes were Louboutin.
Did we just see Greek stamps and Euro bills pass at the Katrantzou show? That's a strong statement…
And the shoes - just give me one pair of each please - Louboutin's I bet.
If I ever buy a pair of loafers, these would be the only option.
via Carolines Mode.
Who doesn't want to have a Cinderella moment?
Via R-A-W Shoes:
"Louboutin's Cinderella slipper made its debut during Haute Couture Week. There is also a contest in which a lucky winner will be able to win a pair of these limited-edition sandals. More information will be available in the next couple of weeks."
The Coveteur visits hairstylist Jen Atkin.
I always go to the back boutique at Alaïa in Paris and treat myself to a dope pair of shoes. When you are in that boutique, Mr. Alaïa makes you feel like it's 1996, you are Naomi Campbell and you've got a Harper's Bazaar shoot coming up; you dont care about the cost. A lot of these shoes I dont want to ruin and therefore have never seen the light of day. I'm planning on being a chic 80-year-old who gets way too dressed up for family gatherings.
Shoes top to bottom: Alaïa, Christian Louboutin, Giuseppe Zanotti.
Studded Louboutins.
via The Coveteur @ DJ Kiss
If you don't get cravings by this you probably have them on your shoe shelf.
"Afternoon tea"
Shoes: Christian LouboutinPhotographer: Kristine Wreyford Stylist: Malin Thorngren Makeup artist: Pari Damani/Agent Bauer Hair stylist: Linda Shalabi/Mikas Modell: Josefin H/Modellink Editorial: Afternoon tea, Damernas Värld, May 2012
Lace and python?
I wish I could go to London any day between 01 May – 09 July. The Design Mueum features a Christian Louboutin exhibition!
The Design Museum presents iconic French shoe designer Christian Louboutin, celebrating a career which has pushed the boundaries of high fashion shoe design. This exhibition celebrates Louboutin's career to date and showcases twenty years of designs and inspiration, revealing the artistry and theatricality of his shoe design from stilettos to lace-up boots, studded sneakers and bejewelled pumps. Louboutin's shoes are the epitome of style, glamour, power, femininity and elegance.
Read more: Christian Louboutin Red Sole Retrospective
Photo from artlyst.com
The editorials from Fashion Gone Rogue just gets better and better.
Shoes: Christian LouboutinPhotographer: Hugo Arturi Stylist: Shandi Alexander Makeup: Christine CherbonnierHair: Shlomi MorModell: Liza Yermalovich Editorial: Amuse Bouche, Fashion Gone Rogue, April 2012


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Founded in 1871, this once quaint Victorian spa town earned the nickname "Little London" because of the many English tourists who visited the area. Now Colorado's second-largest city, Colorado Springs has evolved to a sophisticated destination while still retaining a charming small town ambiance.
Nestled at the base of the Rocky Mountains, visitors to Colorado Springs enjoy commanding views of Pikes Peak from just about any part of town. The multiple recreational opportunities afforded by the nearby mountains include everything from hiking to taking in the breathtaking geological wonders at Garden of the Gods Park, Cave of the Winds and the Paint Mines Interpretive Park. With 300 days per year sunshine Colorado Springs is known as the gateway to Southern Colorado's "Outdoor Adventure Play Land."
Located 80 miles south of Denver's International Airport and 1½ hours east of world-class skiing, Colorado Springs has a thriving arts and cultural scene - including the Colorado Springs Pioneers Museum, which interprets the early history of the area. While there, check out a live performance at one of the city's many venues, including The Black Sheep, Arnold Hall, Pikes Peak Center and World Arena.
Visitors looking to spend the night in Colorado Springs have several top-notch options available, from the historic Broadmoor Hotel to the Cliff House at nearby Pike's Peak.
The National Trust for Historic Preservation named Colorado Springs, one of its Dozen Distinctive Destinations. Colorado Springs was selected for its walkable historic areas, its commitment to sustainability and its natural attractions and ample recreational opportunities in the nearby Rocky Mountains.


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- Northern New York Newspapers
- Watertown Daily Times
- The Journal
- Daily Courier-Observer
- NNY Ads
- NNY Business
- NNY Living
- Malone Telegram
Thu., Mar. 13
Funeral services for Lawrence W. West, age 67 of Ogdensburg are incomplete with the Fox & Murray Funeral Home. Mr. West passed away Saturday morning (Sept 14th) at Upstate Medical Center in Syracuse. His survivors include his wife Carol, children Russell & Jerrilyn and brothers Richard & Ronald West. A complete obituary will appear at a later date. Condolences can be shared at www.foxandmurrayfuneralhome.com


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1969 Chevrolet Chevelle SS, the Chevelle was billed as "America's most popular mid sized car", the SS version has created some of America's most... More
1969 Chevrolet Chevelle SS clone for sale in our Louisville Kentucky Showroom. This Chevelle is a great example of late 60â??s styling. This particular... More
For sale in our St. Louis showroom is a 1966 Chevrolet Chevelle SS. This thoroughly restored Chevelle has just 5000 miles since its restoration.... More
For sale is a true numbers matching 1967 Chevrolet Chevelle SS 396 located in our Indianapolis showroom. In 1967 Chevrolet produced roughly 63000... More
1969 Chevrolet Chevelle SS 396, this is a very nice example of pure American muscle. This SS was originally delivered to Trader Chevrolet in Greensboro,... More
To see this car run down the strip on the TV show "Pastime" Click the following link: http://www.youtube.com/watch?v=xiszJk5RaYo 555 race gas 15-1 motor Rossler th400 with... More
1967 Chevrolet Chevelle Pro Street for sale in our St. Louis Showroom. Nothing was overlooked on this recent street thumping build. This... More
1964 Chevy Chevelle 2 door post that was modified during a 2001 restoration. The exterior paint is bright red and has Weld racing wheels. The... More
1969 Chevelle SS for sale in our Detroit Showroom. This beautiful Gold Metallic Chevelle SS for sale is powered by a 396 CID V8... More
1969 Chevrolet Chevelle SS Convertible for sale in Chicago Illinois. This Butternut beauty sure stands out from the typical Chevelle color spectrum. With... More
1969 Chevrolet Chevelle SS clone for sale in our Louisville Kentucky Showroom. This Chevelle is a great example of late 60â??s styling. This particular... More
1967 Chevy Chevelle Malibu for sale in Chicago IL. This is a very clean and fun to drive 67 Chevelle Malibu with a 350... More
1969 Chevrolet Chevelle for sale in Chicago IL. This 69 Chevy Chevelle is ready for the road with it\s; AM/FM radio CD Player... More
This 1964 Chevrolet Chevelle Malibu SS has a 283c.I. 2 BBL V8 (#s Match)Powerglide 2-Speed Automatic TransmissionGM 12 Bolt w/ 3.08 LSDNew Dash BezelNew... More


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Home » Pinatas » Special Occasion Pinatas » First Birthday Pinatas » |
Girls First Birthday Pinata
Price: | $19.99 |
Pinata is 20" long, features pink butterflies and reads "Birthday" on fun pink letters at the bottom. Premium 1st Pink Birthday Pinata is a great decoration and game for Girls first birthday party.
Dimensions | 20x16x3.75 |


text: Version: 7 Description: Client software for KeyServer Operating System: Windows Macintosh Availability Licensed for: VPN/On-Campus Only Staff Faculty All Students License Managed: No Keyed: Yes Requirements Windows XP, 7; Mac OS X (10.5, 10.6, 10.7, 10.8, 10.9) Be sure to close all applications and verify that your operating system meets the system requirements. Vendor Links Sassafras Software Windows Installation Instructions (click to expand) Download KeyAccess using the link provided. Navigate to the download location on your computer and double-click on "install_keyaccess7105.exe." Click Start to extract files and install KeyAccess. Click OK when the files have been extracted. If an earlier version of KeyAccess is installed, you may receive notification that the installed version will be removed prior to installing version 7. Click Finish when the installation is complete. Restart your computer. Macintosh Installation Instructions (click to expand) Download KeyAccess using the link provided. Double-click on KeyAccess Installer to unstuff the installer (if it does not occur automatically). Once the KeyAccess installer is launched, follow the on-screen instructions, accepting default options. Confirm that your connection address is "campuskeyserver.brown.edu" and click OK. When you are notified that installation was successful, click Restart.


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Office Hours:
8:00 am to 5:00 pm
Monday through Friday
excluding holidays
In case of an emergency after hours or on weekends please call 911 and ask to speak to the police officer on duty.
Photo: Enterprise
Chris Goodenow
Brier Ranked 13th Safest City in Washington
SafeWise combined data from recent FBI Crime Reports with their own research to create a list of the safest communities in Washington.
Passport Acceptance Office
at City Hall
Complete Details
Larger View
Brier is a small, suburban, residential town located 15 miles north of Downtown Seattle, in Snohomish County. The population is approximately 6,100.
The City government consists of about 19 employees, working in three public services departments. Brier is 2.13 square miles with approximately 27 miles of streets and roads.
Throughout the City of Brier's history, development has resulted in an environment characterized by large homesites, wooded areas and semi-rural in nature.
The philosophy of the City is to continue to retain and maintain the basic, original, spacious and semi-rural wooded character of the areas and to remain relatively small, simple and intimate, with a minimum of regulation and taxation. It is intended that future development of Brier will be consistent and harmonious with the established pattern.
The overall goal of the city government is to preserve the existing character of The City of Brier as a single-family residential community, placing emphasis on the preservation of open space and natural landscape.
Brier City Hall
2901 228th St. SW
Brier, Washington 98036
(425) 775-5440 / Fax (425) 672-9025
Boards and Commissions
Get involved in your community
. If you are a Brier resident and would like an opportunity to effect change in the city please submit a letter to the Mayor that you would be willing to serve on one of our boards or commissions.
Click Here
- For details
Please Note:
Neither the City, or any department, officer, or employee of the City warrants the accuracy, reliability or timeliness of any information published by this system, nor endorses any content, viewpoints, products, or services linked from this system, and shall not be held liable for any losses caused by reliance on the accuracy, reliability or timeliness of such information. Portions of such information may be incorrect or not current. Any person or entity that relies on any information obtained from this system does so at their own risk.
Snohomish County Fire District 1 is offering to install smoke alarms and provide educational home safety assessments for residents it serves in the communities of unincorporated southwest Snohomish County, Brier, Edmonds, Mountlake Terrace and Woodway.
Funding for the program comes from a Vision 20/20 Grant awarded through the federal Assistance to Firefighter Grant program.
The free home safety assessments will include a brief survey, testing and installation of smoke alarms, identifying potential fire hazards, education on how to prevent a fire and assistance in creating a home fire escape plan. The assessments are conducted by Fire District 1 employees and take about 30 minutes.
"Smoke alarms save lives, but we regularly respond to homes that are lacking alarms or have alarms that have become unreliable because they are more than 10 years old," said Fire Chief Ed Widdis. "We want to make sure everyone we serve has access to this lifesaving technology."
Residents of the Fire District 1 service area can schedule a free home safety assessment and smoke alarm installation online at
Snohomish County Fire District 1
12425 Meridian Avenue
Everett WA 98208
SPILLS - To Report a Spill - Call the Spill Hotline
(425) 775-5440 - During Normal Business Hours
Dial 911 - After Hours and on Weekends and Holidays
Please do your part in helping to protect our natural waterways. Report any spill, illicit discharges or illicit connections to our natural waterways or storm system by calling the City's Spill Hotline. City staff understands the need for confidentiality, so calls can be anonymous. However, please provide as much detail as possible about the spill or illegal activity including the date, time, location, a description of the spill or illegal activity and a description of the pollutant.
Brier City Hall | 2901 228th St. SW | Brier, Washington 98036
(425) 775-5440 | Fax (425) 672-9025 |
Office Hours 8:00 am to 5:00 pm Monday through Friday excluding holidays.
In case of an emergency after hours or on weekends please call 911 and ask to speak to the police officer on duty.


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This is the number of deaths prevented from all BloodBanker members. Every blood donation can prevent the death of 3 people. How you ask? Long story short, blood is processed into 3 different 'products', so your Red Cells go to a trauma victim, your Platelets to a cancer patient and your Plasma to a burn victim. It feels pretty good to prevent the death of 3 lives for just 8 minutes of your time.
Insurance for the blood supply. Prevent deaths in your community.
Feel Free to contact us with your comments, question and suggestion by filling out the form below:
Your Name (required)
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Address: 283 Columbine St. Suite 146 Denver CO 80206 Phone number: 866-945-5346 Email address: support [at] bloodbanker {dot} org


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Philips LivingColors Aura LED lamp. A stylish and pure design. Experience the light from every angle. Just take the remote control, select one of the 16 million colors and enjoy.
Product features
Select your own favorite color at the LivingColors LED lamp out of the 16.000.000 different color options for the perfect mood lighting.
Adjust the brightness of the Philips LivingColors LED lamp as you like by using the remote control.
With the LivingColors Aura you can have a big ambiance impact because of the light output of 120 lumen. Just place the LivingColors Aura wherever you like and point it towards a light-colored wall to get the full experience.
By turning the color wheel on the remote control of the Philips LivingColors LED lamp, you can easily select every color you like for the perfect mood lighting.
Add more white to your color by using the remote control to get the perfect pastel shades.
Turn the color wheel for 360° and then press the 'I' button, sit back and let the colors of the LED lamp change automatically.
All the different colors of the Philips LivingColors LED lamp blend naturally into your interior because of the diffused light effect.


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About the Author
Recent posts by Mike Wilkening
Related Stories
Here's a closer look at a matchup to watch in Sunday's Browns-Steelers game:
Browns WRs Mohamed Massaquoi and Joshua Cribbs vs. the Steelers' secondary Browns head coach Eric Mangini, asked Thursday about his offense's "quick-strike ability," had an interesting take on the situation. "I thought we missed a touchdown last weekend (against Atlanta), the ball was just a little bit too far out in front of Josh (Cribbs)," Mangini said, according to the club, referring to a long pass from Jake Delhomme to Cribbs that fell incomplete. "I think that would have either gone deep into the red zone or gone for a score." Mangini also noted that the team tried to stretch the field early in the campaign without the success he would have liked. "Typically, we get a few of those each game, some of those 'go' routes that we threw earlier in the season we were missing," he said. "We weren't missing by much, but we were missing. And I'd like to obviously see those hit. "(You're) only going to get one or two a game to really change the dynamic of a game, and those put you in scoring opportunities, and it also loosens up the defense some. We are going to throw them and continue to throw them and we want the hit rate to increase."
The assumption is the Browns, already conservative on offense, will be even more so on Sunday with rookie QB Colt McCoy expected to make his first career start. But running the ball into the middle of the Steelers' line all day, while relatively safe, isn't a drive-sustaining strategy against a very, very good defense.
Expect the Browns to let McCoy take a shot, or perhaps multiple shots, downfield, but likely only when they have good field position. Massaquoi, their top vertical threat, could be the target, but Cribbs also can get deep, too.
If Browns offensive coordinator Brian Daboll swings for the fences, it's on the offensive line to give McCoy the time he needs, and it's on McCoy to give his receivers a chance. And his receivers, if in a jump -ball situation, must prevail, for scoring opportunities will be very precious.
Steelers CBs Ike Taylor and Bryant McFadden are physical and good fits in Dick LeBeau's zone-blitzing scheme but neither is known for his ball skills. You would have to think their run-support skills will be frequently utilized Sunday, but the Browns may test them with the deep pass. Really, what does Cleveland have to lose if it takes a calculated risk or two?


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For Wherever Life Takes You
Learn more about our free apps
and mobile websites.
Known as the home of the Beatles and boasting a fascinating maritime history, there's much to be discovered in Liverpool. From the exciting musical heritage and majestic cathedrals to the great shopping, world-class museums and rich sports legacy, our Holiday Inn Express® hotels in Liverpool put you close to everything in this Northwest city.
Liverpool's impressive waterfront, which stretches from Albert Dock along the Pier Head and up to Stanley Dock, has earned the city its distinction of being a UNESCO World Heritage Site. You could spend days, if not your entire Liverpool hotel stay, discovering Albert Dock alone, with its impressive collections of museums, restaurants, attractions shopping and more. Beatles fans should not miss the tour offered on Albert Dock, which offers a glimpse into the personal lives of the "Fab Four" and their music.
Sports fans will have plenty to do in Liverpool, which is home to two of the Premiership's biggest soccer teams, as well as plenty of world-class golf, rugby, horse racing and more. For those who love to shop, Liverpool offers everything from world-class retail centers to farmers markets and bohemian boutiques. Make a reservation at one of our Liverpool hotels and start planning your trip today.


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Stories Tagged with "maude barlow"
2010 - 1 story
Water ― life on our planet would be impossible without it, and clean water is vital for human health and well-being. Yet close to three billion people have no running water within a kilometer of their homes, and every eight seconds a child dies of water-borne disease. In the NJIT Technology and Society Forum presentation on March 10, 2010, Maude Barlow will outline a three-part strategy for achieving a water-secure world.


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HeadWise Digital Marketing Company
HeadWise was founded in 2003 as a private marketing support operation for an Affiliate Marketing Company. After serving the Affiliate Industry up to 2006, the founder and CEO, Mr. Amir Ahmadi came to the decision to break free from just the Affiliate industry and widen the horizon of HeadWise, to work on all online advertising, PR and Marketing platforms. HeadWise was born in the way it operates to date. As a leading Web Marketer and with over eight years experience in the web based Affiliate Industry, Multilingual and at the forefront of innovative web marketing trends, Mr. Ahmadi brought a unique concept and approach to global online marketing. This unique and strong policy to implement local marketing and web experts to target each individual region has helped towards a rapid global growth and recognition among online marketers and Global Clients alike. The Global Network of our Marketing and Web Professionals has given HeadWise the ability to rise above its competitors and bring its Clients a truly Multilingual Service. HeadWise is registered in the United Kingdom and the United Arab Emirates. We Have representatives in many other European, Asian and African countries and are expanding our physical locations to Germany, Spain and France in the near future.
Our Mission & Vision
At HeadWise we like to think out of the box and take our Clients campaigns across borders and into regional markets around the globe. Our Mission is to take every single campaign to the maximum level of return and impact in the targeted market and to provide world class marketing experience and to expand our Clients business into new Markets and territories. From Global SEO, Multilingual Affiliate Marketing to Paid campaigns, all services we provide are tailored to your needs and executed by expert Native Marketers, therefore ensuring a good client partnership and great Marketing experience. As a promise, services we offer will always be unique, world-class, submissive yet charismatic and comply with all guidelines and regulations. Your partnership with HeadWise will not only become indelible and noteworthy, but it will build trust, perseverance and respect that will become a long-term partnership to your full satisfaction.
We like to provide the best level of service that is ethical and all methods in compliance with White Had Techniques. We take pride in our Multicultural fusion of professionals in Web Marketing and Development and aim to discover more marketing talents in new regions and countries. Growing this network and our Client base is our main Vision for HeadWise and years to come.


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A collection of news and information related to PayPal, Inc. published by this site and its partners.
Top PayPal, Inc. Articles
Displaying items 100-110
IBM acquires Trusteer to boost cybersecurity expertise
Story | Aug 15, 2013 | 11:33 AMRecognizing the growth in online payments and the increasing number of targeted cyberattacks on big companies, technology giant IBM is making the first major expansion of its nearly 2-year-old security division. On Thursday, IBM announced an agreement... -
Get inside the TARDIS with Google Street View's 'Doctor Who' Easter egg
Facebook to test potential PayPal payment rival, report says
Washington Post, CNN websites disrupted by hacker group
Story | Aug 15, 2013 | 12:54 PMA hacker group briefly took control of portions of the Washington Post, Time and CNN websites on Thursday after breaking into an article recommendation service used by the news outlets. The Syrian Electronic Army took credit for the breach, with one... -
The Hyperloop: L.A. to S.F. in 30 minutes?
Ask a physicist: Michio Kaku grades Elon Musk's Hyperloop
Wishing for Hyperloop, betting on high-speed rail
Elon Musk unveils Hyperloop design
Trying to get pregnant? New app will tell you when's the best time
Freddy Smalls BBQ, Son of a Gun lunch, Local Hive at Cognoscenti Coffee, more
Community rallies for teacher's family
Story | Jul 26, 2013 | 4:51 PMFriends of a Corona del Mar Middle School teacher whose wife recently died are raising money to help her three children pay for school and other expenses. Katina Moody Brude, 39, died July 12 following a three-year battle with cancer. Her husband, Chris...


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5429 tones found POD HD500 tones
Product | Tone Name | Guitarist | Song | Band | Amp | Style | Downloads | ||
Author | Comments | Date | Pickup | Rating | |||||
Soul- Dino | 458853 | 147 | ||||||
charliesheen89 | 12/23/12 | ||||||||
Rectal 0ath | Treadplate Pre / Angel F-Ball Pre | 138 | ||||||
charliesheen89 | 12/23/12 | ||||||||
Fuck you, buddy! | Treadplate Pre / Treadplate Pre | 155 | ||||||
charliesheen89 | 12/23/12 | ||||||||
Space! | 211 | |||||||
charliesheen89 | 12/23/12 | ||||||||
Blind Felon | Blackface Double Nrm | 121 | ||||||
charliesheen89 | 12/23/12 | ||||||||
FuZzZz | Blackface Double Nrm | 138 | ||||||
charliesheen89 | 12/23/12 | ||||||||
Rectal Bash | Treadplate Pre / Angel F-Ball Pre | 132 | ||||||
charliesheen89 | 12/23/12 | ||||||||
Fubba-U-T-F!- | Blackface Double Nrm | 131 | ||||||
charliesheen89 | 12/23/12 | ||||||||
Amsterdam | Eddie Van Halen | Amsterdam | Van Halen | Angel F-Ball | Rock | 466 | ||
fechart | This tone was made to use with Combo Power Amp Output Mode | 12/24/12 | |||||||
Nasty Screaming Lead | 419 | |||||||
glassjawslipknot | This lead tone is golden. Very nasty, raspy and yet ambient in some ways. It cuts through and it sustains. You can turn the noise gate on or off depending on if you want it more open or not. There are 2 delays, one for all out crazy, and the other for a more laid back delay. | 12/24/12 |
Model Packs increase the number of Amp or FX Models of a GuitarPort, TonePort, PODxt, PODxt Live or PODxt Pro, for a wider variety of tone possibilities. When a particular tone in the library relies on a Model available in one of these packs, you'll see symbol(s) to indicate which Packs: MS (Metal Shop), CC (Classics Collection), FX (FX Junkie), and PP (Power Pack).
The models within the FX Junkie Model Pack are already included in PODxt Live, and offered for purchase to add-on to GuitarPort, TonePort, PODxt and PODxt Pro.
Variax is the uniquely flexibile guitar from Line 6. Our Vetta II amplifier includes a digital connection for the Variax that lets you store settings for both your amp and your guitar in the Vetta II so that when you call up a Vetta Channel Memory your amp and guitar can change sounds together. Vetta II Tones marked with this guitar symbol include this Variax data.
For each tone in the library, you'll see an icon for either a single coil or humbucker pickup. This tells you whether the tone is best for use with a single coil pickup or a humbucker, so you can select the appropriate pickup on your guitar when using this tone.
Attention POD 2.0, Flextone and HD147 owners... Your hardware doesn't do Stomp effects, so you'll hear something different than what was intended. Try increasing the Drive or choose a higher gain Amp Model to get the right sound. The other aspects of the sound should translate as expected, so you'll at least get a great starting place for tweaking.
Tones contributed by users to the Public Tone Exchange are made by individual users, who are in no way affiliated with Line 6. Any product name or trademarks used by the users to describe their Tones are the sole property of their respective owners. Any use of these product names or trademarks of other manufacturers should not be construed as an endorsement, association or affiliation with Line 6.


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I'm looking for a fairly simple program/software that will allow me "play" with my pictures....e.g. crop/enlarge, paint backgrounds, border, write text...etc.
Any suggestions? p.s. a free download would be nice :) |
Follow-Up Postings:
Paint.Net is an excellent program for photo editing and it's free. |
Here is a link that might be useful: get paint
- Posted by lazypup (firstname.lastname@example.com) on Sun, Sep 25, 11 at 4:57
Google "Photoscape" is a free program that is very powerful and extremely user friendly. It is a completely free download, not one of those 30 day trials or one of those that drives you nuts with popups to buy their upgrade. I shoot about 500 photos a day and I have two professional editing programs but I find that photoscape is the one I use most often. Just put the word "Photoscape" on your search bar and it will take you to a free download site. |
If your looking for something easy I use online Image editor It has many features, its free too with no download. |
Here is a link that might be useful: image editor
- Posted by alisavan7007 (My Page) on Wed, Jun 26, 13 at 1:43
you may want to try PhotoStudio. It has same functions like PhotoShop but much easier to edit photos with and more economical in price. Either you're win or mac user, PhotoStudio has both version known as photo editor mac and windows photo editor. |
Here is a link that might be useful: image editing software
I use irfanview and I like it very much. It is recommended in the computer help forum. |
My old standby comes on every computer. MS-PAINT. Quite simple and versatile. (Hit START, All Programs, Accessories, and there is PAINT.) Make a shortcut link on your desktop. Also nice is the Original version of PSP. Offered as a trial, it never expires. Free download. |
Here is a link that might be useful: PSP DOWNLOAD
Learn photoshop, it will prove usefull all your life. Or you can use online paint but its limited. |
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Tampa Bay area |
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Member "Pockets" Joined: 08 September 2005 Location: United States Status: Offline Points: 120 |
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Posted: 26 October 2009 at 12:43am |
Does anyone know of any big scenario games coming up around the Tampa Bay, Fl area. I have been working a lot lately and haven't had time to see if anything is coming up, let alone have I gotten out to play in quite some time.
"Courage is not the absence of fear, but rather the judgement that something else is more important than fear."
-Ambrose Redmoon |
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Washington Wizards: Rubio rallies Wolves to 87-82 win over Wizards
- Minnesota Timberwolves' Ricky Rubio, left, and Wizards' Trevor Ariza compete for the loose ball Wednesday night in Minneapolis. (AP Photo/Jim Mone)
MINNEAPOLIS (AP) - Ricky Rubio had 15 points, 11 assists, seven rebounds and six steals to lead the Minnesota Timberwolves to an 87-82 victory over the Washington Wizards on Wednesday night that snapped a six-game losing streak.
Derrick Williams added 16 points and seven rebounds for the Timberwolves, and J.J. Barea scored 10 of his 12 points in the fourth quarter.
John Wall had 19 points and seven assists, and Trevor Ariza added 16 points, seven rebounds and six assists for the Wizards, who were missing leading scorer Bradley Beal because of a sprained left ankle. Washington turned the ball over 24 times, leading to 30 points by Minnesota.
Washington led by eight early in the fourth, but Rubio's defense keyed a 21-9 surge by the Timberwolves over the final 9:30.
The fiery Spaniard made the play of the game with 30 seconds remaining and the Wolves clinging to a one-point lead. Shaking off a sore left hand, he dove to the floor to poke a loose ball away from Wall and push it ahead to Barea for a layup that gave Minnesota an 85-82 lead with 28.2 seconds left.
After Minnesota stumbled through a miserable stretch of 22 losses in 25 games, a relieved Rubio flung the ball into the stands as the horn sounded.
Luke Ridnour scored 15 points and Dante Cunningham added 11 points and five rebounds for the Timberwolves.
Nene had 12 points and eight boards and Emeka Okafor added 10 points and 14 rebounds for the Wizards, who squandered a 44-34 advantage on the boards against the short-handed Wolves.
The Wizards turned the ball over 17 times in the first three quarters, but they opened the fourth quarter with a 10-0 run to take control. Wall hit a free throw after a technical foul on Ridnour, Nene scored on an easy layup and Kevin Seraphin backed the smaller Cunningham down low for a post-up bucket to give Washington a 73-65 lead.
Wolves coach Rick Adelman put Rubio back in the game, and he came up with two steals, fed Barea for a 3 and hit two free throws to get Minnesota back in it. Barea's second 3-pointer a minute later tied the game at 77.
Wizards coach Randy Wittman was an assistant in Minnesota under Flip Saunders and also was the head coach here from 2007-09. He went 36-105 with the rebuilding team during that time and was having just as much trouble since taking over for the fired Saunders in Washington until Wall hit the court this season. The hard-driving Wittman has tried to be more patient with this young Wizards team, and he's had to be.
Injuries to Wall, Nene and Okafor gutted the Wizards at the start of the season. They slogged through a miserable 5-28 start, but they are 14-12 with Wall in the lineup.
One of the few bright spots for the Timberwolves over the last month has been Rubio's return to form from his torn ACL last March. He made his season debut in December, and has gradually gotten his game back. The minutes restrictions have been lifted and the behind-the-back passes and instinctive perimeter defense have returned.
NOTES: Nene air-balled a free throw in the fourth quarter. ... Kevin Love said before the game he will meet with his hand specialist in New York next Wednesday in hopes of getting clearance for contact. ... Former Timberwolves F Martell Webster had 11 points and seven rebounds for Washington.
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Trading concrete for pastures
Steep hills, winding turns and picket fences mark the back roads that take pre-med student Katie MacFarlane to her second home at Old Hillsboro Manor Farm in Franklin.
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Steep hills, winding turns and picket fences mark the back roads that take pre-med student Katie MacFarlane to her second home at Old Hillsboro Manor Farm in Franklin.
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Thomas Neff is a man of many firsts. He started a photography curriculum at his alma mater as a student, had his first-made documentary nominated for an Oscar and is the founder of the Documentary Channel.
Broken glass covers the floor, and its all my doing. When I take a step theres a crunch of what is left of wine glasses, shot glasses and a Mason jar underneath my boot. I put the baseball bat back in the corner and breathe.
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Colorful ponies with large, sparkling eyes and spiky, rainbow manes rest upon the desk of students whose notebooks and T-shirts are themed accordingly. This isnt a room occupied with preteen girls its a dedicated adult male base of My Little Pony followers preparing for a weekly meeting.
When I first saw the lineup for Music in the Middle, I decided to listen to the bands with somewhat of a following.
Screams and laughter tear through the chill October darkness and the beating of drums resonate through the hills.
On the opening day of the football season, Reginald Farmer II took the game day walk with his new Blue Raiders teammates through Walnut Grove. No one was more anxious or gracious for this opportunity than Farmer.
This weekend I journeyed to the middle of nowhere for my first overnight music festival, Music in the Middle.
At this point in the semester, students are scavenging the depths of their backpacks for the page of notes that had the maybe midterm question on it
There is no sound sweeter after all-nighters and term papers than stapling the final draft together. The librarys ever-present sounds students shuffling, pages turning, keyboards clicking dim as you reach for the shiny black beast.
Deep inside the Alumni Memorial Gym, shouts and grumbles are heard. Kicks and punches are thrown while ancient disciplines and techniques are taught. This is not an underground fight club. This is self-defense class with Senior Master Bradley Whitlow.
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OREA Hotel Devět Skal
- wifi
- pool
- parking
- gym
The hotel's "Baby friendly!" certification guarantees a pleasant holiday for families. Seniors will be also satisfied.
We offer accommodations in 126 rooms. Eighty-nine rooms underwent summer remodelling. All rooms in the resort have a balcony, satellite TV and direct-dial telephone. We also have one room suitable for disabled people located on the ground floor.
There are 126 rooms with a total of 261 beds: double rooms, triple rooms and suites.
Balcony, telephone, colour television + satellite receiver, radio.
The hotel is not wheelchair accessible.
We have free Wi-Fi in all the common areas. Wi-Fi is also available in some of the rooms but capacity is limited so please ask for Wi-Fi when booking.
Meetings and events
Congress Halls 250 + 120 seats
Lounges I, II, III, IV 18 to 60 seats
- Restaurant 156 seats
- Cocktail Lounge 45 seats
- Lobby 28 seats


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Hi, I'm looking for a cheaper lightning camera connector to use with my new ipad 4. These things are usually all over eBay but I haven't found any? I've seen the USB ones for ipad 1-3 and the lightning adapter but no camera connectors?
I mean £25-£30 from apple is a little steep for a cable so was hoping for a cheaper option.
Anyone point me in the right direction?


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Good observation Gerry V
. |
Maynor returns from his injury at OKC and this will allow Westbrook to play more "off the ball". Maynor will have some nice targets to setup in Durant and Westbrook.
Maynor is a nice 'setup" guy who can target these two lethal offensive players.Harden didn't play well in the finals last year and that convinced many he was not a MAX GUY
The NBA has several tasty stories to follow this year.
1-What does not move is dead.What has speed,and mobilty has more possibilities,more life...quickness creates luck.
2- Your Defense is only as good as your HELP/ROTATING defenders.
3-Games are won while the ball is in the air.
4- You design your roster to win a 7 game series not a one game confrontation.
Good observation Gerry V
Every time I go on saintsreport.com, I get more ashamed that I'm a Saints fan. There are more than enough idiots on that site. That is all.
Very spot on. I always thought Maynor had it, maybe not to be the next John Stockton or even Mark Jackson, but he can be a very solid pg, and that is what OKC needs. Let Westbrook play off the ball, they need a guy who knows how to run an offense and that is what this Maynor kid knows how to do. He wont be an all-star, but he will be a solid contributor adding a new wrinkle.
Tom Smykowski: Well-well look. I already told you: I deal with the god damn customers so the engineers don't have to. I have people skills; I am good at dealing with people. Can't you understand that? What the hell is wrong with you people?
Democracy is two wolves and a lamb voting on what to have for lunch. Liberty is a well-armed lamb contesting the vote! BENJAMIN FRANKLIN
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Which state was the first to secede from the Union?
Who the Mata Hari of the Civil War was?
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You'll find the answers to these intriguing questions and more in 101 Things You Didn't Know About the Civil War. Packed with fascinating details about the people, places, and events that defined our nation's most contentious conflict, this tell-all guide reveals the inside scoop on the:
Thomas Turner, Ph.D., is a professor of history at Bridgewater State College, in Bridgewater, Massachusetts.
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28 Nov 2012 | #1 |
| computer won't start after using recovery system/windows couldn't inst hello, I did a recovery system to my computer and when it was restarting i accidentally unplugg the computer so when i turn the computer back on, the computer starts with a message saying "setup is starting service" then i get another message saying "windows could not complete the installation. to install windows on this computer, restart the installation" i click ok on the message then i get another one just saying setup will continue after restaring your computer and is the same thing everytime i try to boost the computer. I'm not sure what to do or if I should just buy windows 7 home premium (which iswhat the computer came with) and install it but i'm not sure if this is the way to fix the problem can anyone give me any advice, also i've been looking at windows 7 Hp and there is the full version and the 64-bit - System Builder (OEM) which should i get? thanks in advince. |
My System Specs |
. |
28 Nov 2012 | #2 |
| You don`t have to buy anything, you already bought windows with the pc. Do you have an activation key somewhere on your pc ? |
My System Specs |
28 Nov 2012 | #3 |
| thanks for replying, I just checked and i found a product key so thats a yes |
My System Specs |
. |
28 Nov 2012 | #4 |
| Is this a recovery partition that you are using to recover the system or the manufacturer's recovery discs that you burned when brand new or an actual MS windows 7 disc? What you need to do is a format of the C: drive on the hard disc first then start the recovery again. |
My System Specs |
28 Nov 2012 | #5 |
| You can do a fresh clean install using this tutorial, but you will loose everything on your pc. Read it carefully b4 you start. Clean Reinstall - Factory OEM Windows 7 It just won`t let you do a factory restore from the boot screen ? |
My System Specs |
28 Nov 2012 | #6 |
| i didn't use a recovery disc or windows 7 disc so i'm guessing it was recovery partition, the one that comes in the control panel menu. i go to the boost menu and i dont see any factory restore option. i'm not good with computer so maybe i'm not doing it right |
My System Specs |
28 Nov 2012 | #7 |
| You have to let us know what your pc is, we have no idea how to advise you. Is it still under warranty ? Do you still have support from the manufacterer ? You may have really botched the recovery process by unplugging it. |
My System Specs |
28 Nov 2012 | #8 |
| System restore only restores your computer to an earlier time either earlier in the day or previous day/s or weeks. It does not re-install windows. |
My System Specs |
28 Nov 2012 | #9 |
| i have an e-machine model: el1852g and the warranty expired last june so i don't have one and i do think the unplugging might have harm the computer completely but i just wanted to look for some solutions before i give up on it. ohh i see... but how come it did mess up with it that now i get the whole windows installation message? maybe it was the unplugging while it was restarting, idk do you know of anything i can do even if you dont i do appreciate taking your time and replying my post |
My System Specs |
28 Nov 2012 | #10 |
| If in the middle of the recovery process then unplugging can mess things up and have funny side effects you are facing now. When you switch on the desktop keep pressing F8 until you see a menu offering you safe mode and other options if you are able to and scroll down and choose Last known good configuration and press enter. See if that works please let us know. |
My System Specs |
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Refreshing Shrimp Salad Recipe
Avocado, strawberries and shrimp are wonderful together in this very refreshing and light salad. Balsamic or raspberry vinaigrette dressings go well with the salad, as do Asian inspired dressings.
- 1 package (5 ounces) spring mix salad greens
- 1 pound cooked medium shrimp, peeled and deveined
- 1 large navel orange, peeled and sectioned
- 1 medium ripe avocado, peeled and sliced
- 1 cup fresh strawberries, quartered
- 1/2 cup thinly sliced green onions
- Salad dressing of your choice
- On each of four serving plates, arrange salad greens, shrimp, orange, avocado, strawberries and onions. Drizzle with dressing. Yield: 4 servings.
Originally published as Refreshing Shrimp Salad in Simple & Delicious
July/August 2008, p6
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Genre: House/garden
Premise: Shadow Sarah Richardson and design sidekick Tommy Smythe as they complete an entire renovation, from the ground up, of a fixer-upper she has purchased, turning it into a viable commodity. Richardson also demonstrates how to transform a builder's staid subdivision house into the home of your dreams. No matter the project, each episode tracks Richardson's progress as she executes concept, planning and cleanup ... and dishes some nifty tips and tricks along the way.
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