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1. For the citrus dressing, combine the orange juice, white wine vinegar, lime juice, shallots, olive oil, honey and 1 teaspoon salt in a large bowl. Add nectarines and jicama. Set aside.
2. Combine coriander, 3/4 teaspoon salt, pepper, and sugar in cup. Arrange cutlets flat on piece of wax paper. Sprinkle top with coriander mixture.
3. Heat 1 teaspoon oil in a large skillet over medium-high heat. Add half the cutlets; cook 2 minutes per side, until lightly browned and cooked through. Transfer to a large plate; cover and keep warm. Repeat process with remaining 1 teaspoon oil and cutlets.
4. Toss watercress with nectarine and jicama mixture. Divide turkey cutlets between 4 serving plates. Top each serving with 1/4 of the nectarine-watercress salad. Makes 4 servings.


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Shinde's remarks on 'Hindu terror' based on facts: Khurshid
By PTI - NEW DELHI
Published: 22nd January 2013 05:03 PM
Last Updated: 22nd January 2013 05:43 PM
External Affairs Minister Salman Khurshid today backed Home Minister Sushilkumar Shinde's statement on "Hindu terrorism" saying it was based "entirely on facts" made available by investigative agencies.
He, however, said that terror has no religion and colour.
"Let me just say this to you very clearly that our stated position, that is shared fully by the Home Minister and past Home Minister, is based entirely on facts as the investigative agencies have made available to the government," Khurshid told reporters here.
Unfazed by BJP's demand for sacking Shinde for his statement, Khurshid said "The attempt to divert attention and to push it in a particular pre-meditated direction by some people was obviously repudiated by the information that was available with the Home Ministry and that is the context in which all these statements are made".
Shinde had earlier this week stoked a controversy by accusing BJP and RSS of conducting terror training camps and promoting "Hindu terrorism".
Defending Shinde, Khurshid said one should not be looking at finer notions of what should be and can be said at any given time.
"I think core understanding is that there are elements who want to use some cover of pretence and some cover of allegation against other groups to continue on their nefarious and unwholesome activities," he said when asked about Mumbai attacks mastermind Hafiz Saeed and LeT trying to exploit Shinde's statement.
Khurshid underlined that any form of violence that is propagated by extremists of any kind, irrespective of religion is what is dangerous for India.
"Terror does not have religion. We have said this very clearly. And religion should not be associated with colour.
This we have said very clearly. It is terror that we have to fight. Terror directed against India that we are fighting".
He said those are the facts available to the Home Ministry on which the government have been consistently making the statement.
"I think we should not be distracted by a phrase here or there frankly. The intention, the commitment, the determination is what clearly matters," he said.
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subset: commoncrawl


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Unfortunately, you cannot make her insurance company pay for medical expenses up front. However, there may be other options.
When a personal injury claimant does not have health insurance, they are presented with a catch-22: they cannot pay for the medical care they need until their case settles, but they cannot prove their case without first getting medical care. This problem can often be solved through a letter of protection (LOP). This is a contract between you, your lawyer and your medical provider that allows you to get the treatment you need in exchange for a promise to pay your provider directly from your settlement funds.
The language of a letter of protection will vary, but generally provides that:
Your medical provider will provide treatment while your case is pending.
Your medical provider will not require immediate payment and will not send your account to collections or otherwise hurt your credit while the letter of protection is in effect.
You instruct your lawyer to pay the medical provider directly from the settlement of your personal injury claim.
Your lawyer agrees to pay the medical provider directly from his trust account when he receives your settlement funds.
This agreement protects the doctor from having to collect medical bills directly from you. Without a letter of protection, a person could receive her settlement money, spend it all, and place the doctor in the unpleasant position of trying to collect money from a person who he or she graciously treated without requiring immediate payment. With a letter of protection, if your lawyer fails to pay the doctor directly from the settlement and gives the money to you instead, the doctor could sue the lawyer for breach of contract in the event you fail to pay the bill.
A letter of protection does not relieve you of your obligation to pay the medical provider if you do not collect from the other party or lose your lawsuit. You have to pay the medical bills regardless of your recovery. This also means that if you settle for a low amount, you may wind up still owing part of the medical bills even after your lawyer pays the provider his portion of the settlement.
Lastly, the letter of protection is not an agreement by your lawyer to pay your medical bills from his own money in the event you lose your case or don't recover enough to pay your bills. The only way your lawyer would possibly be liable for your medical bills is if he fails to honor the letter of protection and pays the money to you instead. Even in this scenario, you are still liable for the bills — it just makes your lawyer "jointly liable."
Nelson, Bryan and Jones represent clients in the following areas: Social Security Disability, Motor Vehicle Accidents, Wrongful Death Cases, Personal Injury Actions, Defective Products, Insurance Disputes and Bad Faith, Fire Loss cases, Trucking Accidents, Worker's Compensation, Drug Recalls, Employment Law and Property Damage Claims.
Please send the questions to:Ask A Lawyer P. O. Box 2309, Jasper, Alabama 35502
205-387-7777or email to: email@example.com
or to: email@example.com
No representation is made that the quality of legal services to be performed is greater than the quality of legal services performed by other lawyers.


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I was just reading John's recipe blog and one of his fish fry recipes reminded me of my favorite. Both recipes require beer, which works, but I'm not sure a deep fryer would work in a tailgate situation. You could put a Dutch oven on a grill and maybe get it hot enough.
It sounds like there's a lot of excitement building up toward our spring game and that a lot of people wil be tailgating for it. Who has what they consider awesome recipes, games, drinks, food combos and any other tips for a successful tailgate?
I won't be there, but I'm looking forward to your thoughts on both the preparation and aftermath.
Oops, forgot to add my next creation. You may have seen this somewhere else already, but my idea is to slice it and make meatball sandwiches.


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There is one key factor which plays directly into the success for this year's Detroit Tigers that has been overlooked & often goes unmentioned...Health. Each time I peak at Detroit's roster (via MLBDepthCharts), I get more & more worried that a injury(s) could cripple this team due to it's lack of depth. Last year the Tigers were very lucky when it comes to actual days spent on the Disabled List (DL). In 2013, only the spry Kansas City Royals spent less days on DL. I am in no way an expert regarding the Tiger roster or prospects (or lack there of) within the organization, but in my opinion if an everyday player, a rotation arm, or high-leverage reliever makes a lengthy trip to the DL, this team could be in trouble.Catcher
I'll start with the player most likely to make an appearance to the DL this coming season, Alex Avila. Lets face it, he gets banged up quite a bit & is not the most durable guy to strap on the tools of ignorance. Last year Avila had two DL stints for a concussion & bruised forearm. Unfortunately, as much as some Tiger fans bashed him, the team will not have Brayan Pena at their disposal to spell the Assistant General Manager's Son. Switch-hitting Pena provided a very respectable batting average of .297 as Avila's back-up in 2013. This year, barring a breakout spring by prospect James McCann, Avila's back up will be the unproven Bryan Holaday. Holaday will be better defensively than Pena but will not contribute as much offensively. Last year Holaday hit .260 in Toledo with an OPS of .684 & ZIPs projections peg him to hit .237 in the bigs next year. Expect him to start at least once a week and likely against tough lefties like Chris Sale. If Avila were to go down early in the season (or in spring training, heaven forbid), I do not see a combination of Holaday & McCann taking us to another AL Central Title & beyond in 2014.Corner Infield
If you are like myself & many other Tiger fans you have already asked yourself "What if Nick Castellanos fails to make a successful transition to the major league level?" or "What happens if back-to-back MVP winner Miguel Cabrera's occurs more injuries in 2014?" I will tell you this, the alternatives are not pretty. There is not another prospect like Castellanos in Toledo (or anywhere in minors) awaiting a promotion to major league level. The primary backups in the corner infield are recently acquired Steve Lombardozzi, late blooming Jordan Lennerton, & everyone's favorite 25th-man, Don Kelly. Lombardozzi & Kelly will each see some spot starts but that is their ideal role along with pinch running or entering as a late inning defensive replacement. Castellanos is the real X-Factor here. He has not been officially named the opening day starter at third base but it is his spot to lose; however, there appears to be no one to lose it to. Needless to say, the season could be a disaster if Cabrera were to land on the DL for a extended amount of time. Anything beyond a start or two a week from Lombo or DK means the Tigers are in trouble.Middle Infield
Once again, Tiger fans will be cheering for #1 and #3 up the middle. It's a new version this time around with slick fielding Jose Iglesias at shortstop & recently acquired Ian Kinsler at second base. Here are two more positions where an injury & lack of depth could really hurt the Tigers. Lombardozzi will enter the season listed second on the depth chart at both positions (as well as third base). He has played 102 games at second base in his career & could probably provide replacement level play at the position should Kinsler visit the DL. However, if Iglesias needs an extended rest, the Tigers would face a difficult challenge. Lombardozzi has played exactly TWO games at shortstop at the major league level totaling 18 innings. New manager Brad Ausmus recently confirmed that he will focus on shortstop this spring. Both Danny Worth & Hernan Perez should start the season in Toledo & would be the first middle infielders called up from the Triple-A club if needed. Worth's has hit .242/.307/.315 in his big league career spanning 115 games. However, he struggled last year with injuries & only hit .223 in Toledo last year. Over 71 plate appearances with the Tigers last year, Perez hit .197/.217/.227. If Iglesias or Kinsler suffer major injuries the Tigers could be forced to look for help outside the organization if they want to contend for a World Series in 2014.Outfield
Finally, a position where Tigers have some depth to speak of. The Tigers project to have a starting outfield of Andy Dirks, Austin Jackson, & Torii Hunter. Newly signed free agent Rajai Davis is expected to platoon with Dirks LF & may also see some time in CF & RF. Davis would be the first outfielder called upon to play a more extensive role if one of the three previously mentioned starters were to need an extended break from action. This is a scary thought because Davis only hit .228 & posted an OBP of just .273 vs. right handed pitching last year. On the other hand, Davis hit .319/.383 vs. lefties. He defense would questionable in CF or RF. The Tigers would be in trouble if Davis is expected to be anything more than a platoon player & pinch runner. Super-sub Don Kelly will also play a role as a backup outfielder but if he gets forced into everyday action, I feel sorry for Tiger fans (myself included). The depth, albeit shaky, comes from minor league free agent signings (Trevor Crowe & Ezequiel Carrera) & prospects whom probably are not quite ready (Daniel Fields & Tyler Collins). Both Crowe & Carrera may be familiar to Tiger fans from their days playing with the Central Division rival Cleveland Indians. Hopefully the change of scenery helps these two in case they are need to step up but I don't see either in a World Series starting lineup anytime soon.Starting Rotation
In 2013, the Tigers were very lucky & only needed to use six starters. Anibal Sanchez was the only starter to visit the DL & it was only for a total of 19 days. It is unlikely the remarkable health in the starting rotation gets replicated in 2014. The starting rotation of Justin Verlander, Max Scherzer, Rick Porcello, Drew Smyly, & Sanchez will likely combine to spend more time on the DL than 19 days in 2013. In the past, Tiger GM Dave Dombrowski frequently mentioned that they had six major league starters for five spots. This luxury is no longer now that Doug Fister has been dealt in a questionable trade to the Washington Nationals.
There will plenty of left handed options awaiting the phone call in Toledo. Most will remember 2013's rotation fill-in & likely this year's as well, Jose Alvarez. In 2013, Alvarez posted a 5.82 ERA & 1.50 WHIP over 38.2 innings with the big league club...not exactly confidence inducing statistics. Other options the Tigers could call upon in case of injury in the starting rotation are all left handed & include recently acquired prospect (via Doug Fister trade) Robbie Ray, former Rule-5 pick Kyle Lobstein, & Michigan native Duane Below. None of these guys would scream savior if promoted to make the drive north on I-75.Bullpen
The Tigers went out and solidified their back end of the bullpen by inking former Tiger killer Joe Nathan to a two-year deal. Some of the other bullpen spots are locked up but rookie manager Ausmus must piece the parts together. However, beyond the new closer, no one is locked into a role. The days of Beniot-Valverde in the eighth & ninth innings are over. So again I find an area of the team with plenty of question marks. Can finger-pointing Phil Coke return to form? Will newly acquired & inexperienced Ian Krol be the go-to lefty the Tigers hope he'll be? Will Al Alburquerque be able to keep his walk rate at a respectable level? Can Joba Chamberlain be the high-leverage reliever the Tigers signed him to be? Will Bruce Rondon stay healthy & live up to the hype? For a team with World Series aspirations, there are a lot of questions in the bullpen (sound familiar?). If any of these questions get answered "no" or the injury bug bites, there does not appear to be any concrete answers in waiting. There is no Rondon-type arms in the high-minors on the verge of breaking north with the Tigers. There is some hype around prospects Corey Knebel & Melvin Mercedes but both are at least a half year away. The Tigers did also sign a couple minor league free agents (Justin Miller & Jhan Marinez) but it is unknown the level of contribution, if any, they will provide & are lottery tickets at this point. Speaking of which, I would love to see another cheap, low-risk lottery ticket or two. Guys like Ryan Madson & Joel Hanrahan are still on the market & could be available on minor league deals. Former big leaguers Luis Marte, Jose Ortega, & lefty starter turned reliever Casey Crosby all will likely start the season in Toledo barring a breakout spring training performance but could be end up being key contributors this season.Summary
Some fans will argue correctly that every team faces the same risk of injury & that no team is all-stars waiting on the bench. My point is that just one lengthy injury to ANY of the eight positional starters, or ONE of eight or so members of the pitching staff could be catastrophic for the Tigers. This speaks to the lack of experience & talent of the projected bench players along with the poor farm system.
While many Tiger fans have their mind on Triple Crown's, MVP's, CY Young's, contract issues, stolen bases, & improved defense in 2014, I am worried about something much more impactful...health. Let's hope for a healthy spring & summer along with a couple of breakout seasons.


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::::START MUSIC:::: Budweiser presents "Real Men of Genius!" (Real men of geeeniusss!)
And today we salute you, Mr. Vic Ketchman - sportswriter extraordinaire! (Mr. Vic Ketchman - sportswriter extraordina-aaaaire!) For sixteen years, you've been the voice of reason, experience and wisdom to Jaguars fans around the world. (Players not playyys!) Your bailiwick includes football history, strategy, grammar, and insight of some of the greatest players ever to play the game. (He knows Joe Greene!) As your loyal readers are saddened by news of your departure, we think of happier times - like your 7000th explanation of BAP to a guy who also doesn't get why we never went after T.O. in free agency (I neee-eeed a bib!) We remember learning that you had readers in Budapest, Belfast and Toad Suck, Arkansas (Don't forget 999 Oaks!) So as you prepare to head off to Green Bay, remember that you'll always have loyal readers here - along with people who wanted Smith to draft Tebow (I wouldn't worry about that!) So crack open a Bud Light, oh Boss of the Blogs, because you've got a lot more to write before you can go to that mountaintop. (Mr. Vic Ketchman - sportswriter extraordina-aaaaire!)


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Treatment of liver disease: Medical and nutritional aspects (Sponsored by Nestle Purina)
Few controlled studies have investigated treatments for liver disease in dogs and cats. My basic treatment goals for patients with this disease are
Nutritional management
The liver is paramount in an animal's metabolism, playing a key role in regulating protein, carbohydrates, fat, vitamins, and minerals. Metabolic derangements that occur with liver disease can lead to malnutrition, impaired hepatic regeneration, and the clinical consequences of hepatic insufficiency.Basic nutritional concepts
Anorexia and weight loss occur commonly in patients with liver disease. Therefore, one of the most important aspects in liver disease therapy is ensuring that the patient has appropriate energy intake to minimize catabolism.1 When treating liver disease, there is a common misconception regarding the fat content in the diet. This is especially true of nutritional management of feline hepatic lipidosis, as some believe that affected patients should be fed lower-fat diets. Fat not only improves palatability but also provides important energy density to the diet. In general, lipid restriction is unnecessary in patients with liver disease.
Carbohydrates should make up no more than 35% and 45% of the diet's total calories in cats and dogs, respectively.1,2 Adequate carbohydrate intake is important to maintain glucose concentrations. Additionally, feeding small yet frequent meals throughout the day may help maintain glucose concentrations.
A misconception also exists regarding the optimal dietary protein content in animals with liver disease. It was previously thought that patients with liver disease should be placed on a protein-restricted diet to reduce the liver's workload and the production of detrimental nitrogenous waste products. This assumption, however, is not well substantiated. Many veterinary nutritionists and gastroenterologists now believe restricting protein could be detrimental, especially in patients with a negative nitrogen balance.1,3 The goal of dietary protein intake is to adjust the quantities and types of nutrients to meet the patient's nutrient requirements and to avoid the production of excess nitrogen byproducts, which cause hepatic encephalopathy.
It is always important to provide the patient with a high-quality, highly digestible protein source.1 Poor-quality proteins may aggravate hepatic encephalopathy and fail to promote hepatic regeneration. In some instances, the protein requirements for patients with liver disease may actually be greater than those for healthy animals. Most high-quality commercial or prescription diets are suitable for this purpose. As a general recommendation, dietary protein should represent 15% to 20% of the digestible kilocalories (kcal) of the diet.1 In general, most highly digestible diets, such as gastrointestinal diets, would be adequate for most liver conditions. Clinically, protein restriction should be instituted only in patients with evidence of protein intolerance; most often these are patients with portosystemic shunts or signs of hepatic encephalopathy.4 Because cats have such a high protein requirement, I rarely—if ever—limit protein intake in cases of feline liver disease, such as lipidosis, and I find hepatic encephalopathy is an uncommon consequence in cats.


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I developed an application for Nokia 6630. When i uninstall it, it does not uninstalls from application manager on first attempt. When i uninstall it for the second time then only it gets uninstalled.
when it is uninstalled for the first time all the files and directories get removed from the phone except an entry in the C:\system\instal\<App_Name>. Uninstalling second time removes this and there is no entry in the application manager.
Can anybody suggest a solution and tell why this is happening?


text: Buffalo, NY (WBEN) As part of his budget speech, Governor Cuomo called the implementaion of Common Core flawed, and wants to appoint a panel to take corrective steps. A member of the Board of Regents says he agrees with that, but feels some of the confusion has been deliberate. Cuomo says Tuesday a panel of education experts and legislators will be appointed to recommend fixes. Regent Bob Bennett agrees with that. "We welcome any analysis or observations. We will work with that committee, I'm sure the chancellor will say that," says Bennett. "Clarification of the standards, which are not curriculum or state tests, would be very worthwhile to clarify for parents and administrators that need such clarification to do so." Bennett claims there's been a "campaign of confusion" to the Common Core. The panel also will review his proposal to eliminate testing of the youngest students. Bennett says that's already in place. "There are no state tests in kindergarten through grade 2," explains Bennett. "I'm not sure what that's all about, if he means he doesn't want any district to implement any test of any kind, if I were a parent I'd be a bit concerned because I'd like to find out how my child is doing."


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MINNEAPOLIS (WKOW) -- The Humane Society of the United States and other groups have filed a lawsuit to restore federal protection for wolves in the western Great Lakes region.
They argue taking wolves off endangered lists in Wisconsin, Minnesota and Michigan threatens the recovery of wolves throughout most of the their historic range. The suit was filed in federal court Tuesday against the U.S. Fish and Wildlife Service.
Hunters and trappers in Minnesota and Wisconsin killed more than 500 wolves during the hunting season. The Michigan Legislature authorized the resumption of wolf hunting in December.
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Home » News » Education
Absences of West High ex-principal unexplained
Former Manchester West Principal Mary Ellen McGorry speaks during a special naturalization ceremony at the high school last May. (UNION LEADER FILE)
Manchester school officials released the cumulative work days of McGorry for the past two years upon request of the New Hampshire Union Leader. However, school officials would not specify which days she was absent, nor would they discuss whether her absences had anything to do with an expensive investigation into McGorry and her subsequent resignation.
Under the terms of the union agreement governing principals, high school principals are required to work 226 days a year.
McGorry worked only 182 days during the 2011-12 school year, the last full year she worked for the district. She worked 233 days the previous year, seven days more than required.
"There were some legitimate reasons for her absences from school, and we did provide additional administrative support during that time frame," Superintendent Tom Brennan said this week.
West Side school board member John Avard said he remembers McGorry being off the job for health reasons, but he doesn't know the particulars or even what year that was.
"Regardless of the industry you're in, people have personnel issues that arise," Avard said. "There's various circumstances that do arise. As long as they're justifiable, we have to work with people."
McGorry was placed on paid leave shortly after the 2012-13 school year began. In January, she resigned the position she had held since 2007, although she will be paid until the end of the current school year. Her resignation followed a lengthy investigation, and school officials have refused to divulge the findings of the probe, citing personnel policies and law.
Her principal certification remains valid, according to the New Hampshire Department of Education.
Brennan said a principal can be out of work for various reasons, including illness and medical or family leave. School officials denied right-to-know requests by the New Hampshire Union Leader for the date of each day McGorry worked, the hours worked and reasons submitted when she didn't work.
"Providing this much detail would allow the public to discover sensitive personal and confidential information about these employees, such as their health status and private family matters," Brennan wrote in response to a Union Leader request.
"We believe that the public's interest to know his sensitive information does not override the privacy interest of the employees involved," he wrote.
McGorry's lawyer, Andru Volinsky, said he did not know about the absences.
"I probably wouldn't answer (why) if I knew," Volinsky said.
Brennan said school district policy calls for a replacement to step in if a building principal is going to be off the job for five days or more. A recent change to the policy requires the school board to be apprised of the absence, but Brennan said he's not sure if that provision was in effect last year.
Principals receive 1½ sick days for each month they are on the job. Under the terms of the principal union agreement, McGorry could not accumulate more than 15 days in a given year and 120 days throughout her time on the job.
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You are currently browsing the tag archive for the 'Financial Education' tag.
> Posted by Guy Stuart, Ph.D., Executive Director, Microfinance Opportunities
The past few decades have seen an impressive expansion of financial services to the world's under- and unbanked populations. This expansion has not been without its challenges, including low-income customers of many financial service providers (FSPs) falling into considerable over-indebtedness¹ or signing up for services they do not use.² MFO's own research³ and the research of others suggest that the limited financial capability of FSP customers is one of the factors behind these challenges. Hundreds of millions of people are gaining access to formal financial services with no education in basic money management principles and ways to maximize the usefulness of the new services to which they have access.4
Extending financial education (FE) to consumers is vital in empowering them to make informed decisions about the financial services they use and how they use them, including avoiding over-indebtedness and signing up for accounts they never use. But reaching the massive number of clients in need of FE in a way that is accessible and practical is a tall order. The Monitor Group report suggests it could cost from $7 billion to $10 billion using traditional, classroom-based approaches to provide education just to those who already have access now —a sum that is 10 to 15 percent of the total current asset base of microfinance institutions worldwide. If access to finance were extended to include the world's 2.7 billion unbanked, the cost of building financial capability would rise further by a factor of at least three.
Read the rest of this entry »
> Posted by Sonja E. Kelly and Ruben Marquez, CFI and Bancomer
"What's in a name? That which we call a rose by any other name would smell as sweet." – Shakespeare
While Juliet's musings on the essence of her Romeo might be poetic, she is quite wrong. Words determine a great deal about how we think about things—and one word change could change hundreds of thousands of people's use of financial products.
In Mexico, if you were to ask those at the base of the pyramid whether they save, they would likely tell you no. CFI's Country Profiles show the Global Findex Data in the figure at right.
When asked whether they had saved any money in the past year, roughly 14 percent of people in the bottom 40 percent of the economy in Mexico answered yes. This same group of people in all upper middle income economies (of which Mexico was a part at the time of the survey) were about twice as likely to say yes to this question.
Does this mean that the poor in Mexico just don't prioritize savings? Probably not.
In Mexico, there is a difference between the word for "saving" (ahorrar) and the word for "keeping" (guardar). When you ask people at the base of the pyramid whether they "keep" money for the future, they are much more likely to answer yes.
The Findex survey (the source of the above data) may have inadvertently run into this problem in Mexico. The difference between two words could explain the low incidence of saving reported at the base of the pyramid compared to countries with a similar income level.
When we take this language difference into account, there are implications for institutional knowledge, financial education, and product marketing.
On this front, Bancomer in Mexico has found that there is a reorientation to be done within the bank itself—while Bancomer is listening to clients, for listening to be effective it must be listening for the right language. Within the bank, integrating the vernacular of low-income clients has led to new views on this income segment. Past market research has included the question of whether potential clients are saving—with dismal results. With the recognition that this population is saving, but just calling it something else, there is a different perception of the kinds of products that customers might be interested in.
> Posted by Kim Wilson, Fellow, Center for Emerging Market Enterprises and the Feinstein International Center, Tufts University
A few months ago, the instructor of a user design workshop challenged the class to redraft the Healthcare.gov website, the official site of the Affordable Care Act.
In a flash, my 23-year old classmate and team member, Sam, deftly sketched out a new landing page and a few forms. We had time left over to chat. It was Sam's chance to question the very existence of the site itself.
Sam complained that the Affordable Care Act seemed neither affordable nor about care. As a healthy freelancer he would be soon forced to purchase an expensive financial product – health insurance. And a quick search informed him that if he did not comply he could plan on spending $695 to opt out. Sam turned to me and said, "I don't know where to begin."
Projected to cost $1.36 trillion dollars by 2023, the Affordable Care Act is one of the biggest financial inclusion experiments in the world. It requires that every resident of the U.S. participate in a financial scheme to purchase health insurance.
In making the product fully inclusive, U.S. President Barack Obama and proponents of the bill could have followed the advice of many of the financial education skeptics I call "inclusionists": The inclusionists dismiss high touch financial education as a key part of financial inclusion. The arguments against high touch education run thus.
Read the rest of this entry »
> Posted by Luis Fernando Sanabria, Gerente General, Fundación Paraguaya
Imagine a school in a developing country where… Students get a high-quality, practical education while learning to run competitive small-scale enterprises. Students learn by doing, earning, and saving. Students graduate with the entrepreneurial and life skills they need to make a decent living and overcome poverty. And school enterprises generate the resources needed to ensure their school's long-term financial sustainability.
This school is not a dream. It is called the San Francisco Agricultural School, and it is located in the town of Cerrito, Paraguay.
In 2003, the San Francisco Agricultural School adopted a unique approach to education: it set its sights on becoming a financially self-sufficient agricultural school. This model, developed by Fundación Paraguaya, gives low-income students primarily from rural areas the opportunity to get a high-quality, relevant secondary education while learning practical technical and business skills. To achieve these goals, financially self-sufficient schools teach students to operate real businesses, with the goal of generating enough income for schools to become financially self-sustaining.
Schools following the financially self-sufficient school model use a "learning by doing, selling, and earning" methodology, through which students get hands-on experience running their school's microenterprises, marketing the goods and services produced, and saving in student cooperatives. Students spend half their time in the classroom and half in practical activities in school enterprises, learning not only how to produce efficiently but also how to package, sell, and market their products to meet demand. The schools are generally managed by principals with business backgrounds who coach subject teachers in entrepreneurship and business management.
> Posted by Jeffrey Riecke, Communications Assistant, CFI
For many of us in the U.S., it's largely happenstance that we cross paths with the topics of microfinance and financial inclusion in a meaningful way. Personally, I remember first hearing about microfinance from friends during college, but it was always in passing, never to the extent or specificity needed for it to make a lasting impression on me. I wish this wasn't the case! I wish my college self, and all students for that matter, had more exposure to these areas.
To help students and the U.S. academic community engage with microfinance and financial inclusion, Citi Microfinance and Kiva have teamed up to launch Kiva U. The mission of Kiva U, built around three core initiatives, is to create a community for our future inclusion leaders and to support the expansion of full financial inclusion. There's a big opportunity in the combination of modern communications technology and academia's inherently social environment, though few interactive financial inclusion platforms for students and educators exist. Kiva U aims to gain popularity as such a platform.
The three core initiatives of Kiva U are expand campus-based microfinance clubs, develop classroom-based microfinance and financial inclusion curriculum for all learning levels, and foster leadership among students interested in social enterprise, international development, and financial inclusion.
There are currently Kiva clubs at 67 colleges and 60 high schools in the United States. Providing online and offline engagement tools, Kiva U plans to leverage this foundation and connect with additional students and educators throughout the country's academic community.
> Posted by Sarah Hugo, Project Manager, Developing Markets Associates (DMA)
The Financial Inclusion 2020 project at the Center for Financial Inclusion at Accion is building a movement toward full financial inclusion by 2020. Accordingly, this blog series will spotlight financial inclusion efforts around the globe, share insights coming out of the creation of a roadmap to full financial inclusion, and highlight findings from research on the "invisible market."
For unbanked citizens in developing countries, the collection of remittances sent by friends and family overseas is sometimes their only interaction with the formal financial sector. Yet remittances are too often overlooked when considering approaches for increasing financial inclusion. For Armenia, a country that receives 16 percent of its GDP from remittances, only 2.5 percent of people use an account to receive them.
In a recent workshop we conducted with middle managers from five banks in Armenia, staff admitted they were initially skeptical about the implementation of a financial education program aimed at remittance recipients. Even though the pilot was to be fully funded through the European Bank for Reconstruction and Development's Early Transition Country Multi-Donor Fund, staff remained unconvinced about the potential impact and effectiveness of financial education and how it would be received by customers. These opinions were primarily due to expressed beliefs: that people would not be receptive to the program's unplanned financial consultations, that their bank already did a good job at offering financial products to remittance recipients, and that most remittance recipients only have money to cover their basic needs and therefore have no need for financial products.
Halfway through the pilot, the results of the financial consultations have been impressive, and bank management and staff admit that their preconceptions were misplaced. The results indicate that there is indeed value in providing financial education and in targeting remittance recipients.
> Posted by Jeffrey Riecke, Communications Assistant, CFI
Today, people around the world are celebrating World Population Day, a day that seeks to bring attention to the importance of population issues in the context of development. The focus of this year's event is adolescent pregnancy, with the aim to catalyze progress in securing a world where every pregnancy is wanted, every childbirth is safe, and every young person's potential is fulfilled.
There are currently roughly 600 million girls globally ages 10 to 19, 500 million of whom live in developing countries. Each year, 16 million teenage girls give birth, and an additional 3.2 million undergo unsafe abortions. Even though 90 percent of these teenagers giving birth are married, they still experience conditions contributing to challenging pregnancies: inadequate education, sexual coercion, violence, rights violations (including child- and forced-marriages), and gender inequality. In addition to lesser hardships that can come from unplanned or uninformed pregnancies, complications from pregnancy and childbirth are the leading cause of death among girls ages 15 to 19 around the world.
The United Nations is calling for commitments from countries, communities, and individuals to support the provision of quality education for girls from primary school through adolescence, including age-appropriate, comprehensive education on sexuality and health. It's been found that when a girl is educated, she is more likely to marry later, have children later, have healthier children, and earn a higher income. The UN also emphasizes the necessity for comprehensive sexual and reproductive health services. Other areas that demand examination are the legal systems surrounding marriage (including minimum marriage ages) and women's rights.
As we have posted about previously (see here, here, and here), the low level of financial inclusion among youth is a missed opportunity to contribute to their well-being. Starting youth out with financial services can be a good investment. A New America Foundation study suggests that instilling a habit of saving among youth sets them on a course for a lifetime of financial capability. According to Youth Economic Opportunities, girls who are less financially dependent are at lower risk for negative effects of early pregnancy and child bearing. In a recent World Bank paper on gender equality and development, it was found that lack of agency (that is, a person's capability to advance goals she values) is a key factor driving poor reproductive health outcomes among women generally. For example, women in Bangladesh who had more decision-making power were more likely to access prenatal services and skilled birthing accommodations.
> Posted by Nate Gonzalez and Alina Kogan, Investment Officers, Accion Venture Lab
The Financial Inclusion 2020 project at the Center for Financial Inclusion at Accion is building a movement toward full financial inclusion by 2020. Accordingly, this blog series will spotlight financial inclusion efforts around the globe, share insights coming out of the creation of a roadmap to full financial inclusion, and highlight findings from research on the "invisible market."
Over the past year at Accion Venture Lab, a new program that invests in financial inclusion start-ups, we were initially surprised to see a rapid proliferation of online personal financial management (PFM) tools and rate comparison start-ups popping up across Latin America, particularly in Colombia and Brazil. These companies aim to present consumers with a consolidated view of their finances across various financial products (e.g., bank and investment accounts, loans, insurance products, credit cards), educate consumers on financial literacy, provide budgeting tools, and often, make money (through qualified leads to banks) by suggesting better products for consumers based on pricing and needs assessments. On the surface, this trend must seem premature, considering internet usage across the continent remains under 50 percent and online banking rates are even lower. But if you dig into the changing income distribution data across Latin America coupled with existing financial sector market dynamics, this trend toward increased financial education on available products and services begins to make a bit more sense. The rapidly evolving income shifts across the region highlight the importance of democratizing data as a means to further financial inclusion.
Latin America has experienced significant change over the past several years, which has resulted in millions of people moving into the ranks of the middle class. Between 2003 and 2009, Latin America's middle class expanded by 50 percent, from 103 million to 152 million, accounting for roughly 30 percent of the total population in 2010. In Brazil alone, over half of Brazil's 190+ million people are considered middle class, and a majority of them rose to middle class status in just the past five years. CFI just released a new report, Growing Income, Growing Inclusion: How Rising Incomes at the Base of the Pyramid Will Shape Financial Inclusion, which details changing income patterns across emerging economies and the subsequent implications for financial inclusion focused initiatives globally. In addition to the growth of the middle class, the report highlights that almost 40 percent of the current population in Latin America are considered part of the "vulnerable class," defined as pre-middle class persons with incomes from $4-10 per day. This group has experienced similar high growth rates over the last five years. The CFI report predicts that this "rising tide" trend will continue.
> Posted by Monique Cohen, Ph.D., Founding-President, Microfinance Opportunities
The following post was originally published on the Child and Youth Finance International Blog.
"I am not good at managing my money. I need some extra training so that I can know how to manage myself. Because you know money is like trouble. You get big money and it's like big trouble, you know," (A young man living in Nairobi, 2011).
Walk down any street in Nairobi, Dar es Salam, or Cairo, or in a small African town and it seems everyone, including teenagers, has a phone to their ear. Indeed, for those 18 and under, few have known a world without mobiles. Not surprisingly, school-age boys and girls (5-14), teens (14-18), and young people entering the labor force or tertiary education (over 18) are seen as a potential new market for the provision of financial services. While recent experimentation in this space has focused on savings, there is growing consensus that young people should be able to access a full range of financial services, with the priorities changing as they advance in their life cycle (see YouthSave, YouthStart, and Child and Youth Finance International). Not only are youth savings and youth financial education hot topics in the financial services space, but there is also a growing recognition that young people have money, and technology-based financial services offer a gateway for their financial inclusion. Read the rest of this entry »


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Top 10 Famous Drug Addicts
Drug abuse is engulfing our young generation faster than anything, but who cares! It's the part of this materialistic world they say. However, in case...
Famous celebrities who died of drug overdose
In the glamorous industry of Hollywood, there are plethora of famous celebrities who died of drug overdose. Have a look!
Top 10 dangerous drugs
Drugs - The other name of the darker side of world. These kinds of addictive drugs give a feeling of excitement and euphoria for a...


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With NSF Grant, ODU's Burdige Will Be Looking for Missing Neodymium Flux
Old Dominion University oceanographer David Burdige will do some scientific sleuthing in what might be called "The Case of the Missing Neodymium Flux" as an investigator on a $264,000 project funded by the National Science Foundation (NSF).
Isotopes of the rare earth element neodymium are present in varying forms in the oceans. Scientists use the slight atomic differences between these isotopes to trace them back to the land mass where they originated, and because of this, the isotopes serve as tracers of circulation in today's oceans. Also, in the layers of sediments at the ocean's bottom, neodymium isotopic signatures form a record of ocean circulation going back millions of years.
But while more and more scientists are looking to neodymium isotopes for answers about the oceans and global climate, there remain unanswered questions about the oceanic neodymium budget. There seems to be more of the element getting into the oceans than anyone has accounted for. This has been dubbed the "neodymium paradox."
Some researchers have speculated that particles deposited in the oceans by winds or rivers release more neodymium upon contact with seawater than has been measured so far. Burdige and his partner in the NSF study, Karen H. Johannesson, a geochemist at Tulane University, believe, on the other hand, that groundwater discharges that happen under the surface of the oceans contain precisely the concentrations and forms of isotopes needed to balance the neodymium budget.
The three-year NSF grant was funded through a program at NSF called Emerging Topics in Biogeochemical Sciences and is titled "Collaborative Research: Evaluating the Role of Submarine Groundwater Discharge in the Oceanic Neodymium Budget."
Burdige, who is professor and eminent scholar of ocean, earth and atmospheric sciences, said the questions about the neodymium budget limit the ability of researchers to "confidently interpret the geochemistry of neodymium in the modern oceans and, perhaps more importantly, to read the paleoceanographic neodymium isotope record."
Preliminary analysis by Burdige and Johannesson, which was reported in an article they wrote for the journal Earth and Planetary Science Letter, suggests that submarine groundwater discharge (SGD) to the oceans is a major component of the missing neodymium flux.
"A primary goal of this project is to assemble a data base of neodymium concentrations and isotope ratios for groundwaters from a range of locations that discharge to the coastal oceans," the researchers wrote in their project proposal. "These data will subsequently be used to develop a global mass balance model to test whether the measured neodymium concentrations and isotope ratios of SGD are sufficient to balance the oceanic neodymium budget. The model will also be used to evaluate the impact of varying groundwater neodymium fluxes, and their associated isotopic composition, on the paleoceanographic neodymium isotope record preserved in hydrogenous sediments."
Burdige said he believes the proposal also hits on other important issues beyond neodymium, "namely the ability to begin to quantify groundwater discharge to the oceans, in general." This has become a hot topic in recent years, and he thinks that this aspect of the project caught the attention of geochemists, hydrogeologists and oceanographers more broadly interested in better understanding land-ocean couplings. The NSF grant runs from Oct. 1 of this year thru September 2011.
This article was posted on: October 7, 2008
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"The War as We Saw It"
I wondered how long it would take for Sunday's New York Times piece by seven soldiers of the 82nd Airborne to catch fire.
Not long.
From Blackfive: "The War As We Saw It," was written by seven troops who have been in the eye of the storm in Iraq.
This Sunday, the New York Times published a piece called "The War as We Saw It" by Specialist Buddhika Jayamaha, Sergeants Wesley D. Smith, Jeremy Roebuck, Omar Mora, Edward Sandmeier, and Staff Sergeants Yance T. Gray and Jeremy A. Murphy. These gentlemen are assigned to the 82nd Airborne, which needs no introduction here.
I just want to add a couple of cents worth.
I recall interviewing two Iraqi expatriates back in 2003 for the News Sentinel, just after the U.S. rolled across the desert into Baghdad with shock and awe.
The two had been cannon fodder for Saddam during the eight-year war with Iran. One told me he was not a willing participant, but worried that his family would be killed by Saddam if he had not "volunteered" to go to the front.
The other soldier was a member of the Republican Guard, who had deserted and came to the U.S.
Both told me that if the U.S. bombed Iraq, it would unleash a war that would be a long time ending. Old religious, tribal and family feuds would create chaos, they said. Shiites and Sunni would engage each other in combat, and then join to fight the U.S.
There was an ominous tone to their voices. One of the men cried. It was not the former Republican Guard. He seemed hard and resolute, never giving me his name. He said, with a shrug of his shoulders, the U.S.entering Iraq was a mistake.


text: Whether you use your Mercury Mountaineer for work or for play, Auto Accessories Garage has the parts you want. If it's brawn and torque you need, look no further than our items like Tuners and Lift Kits. Add a Tonneau or Bed Rug to your Mercury Mountaineer for even more reliability and ruggedness at work or play. Choose from our range of Tonneau Covers for specifically made security and protection. Time to build up your 4x4 - hook up with some components from AAG!


text: We now know what the statue that is going to be put in place at a city park along the Bayfront will look like.It's a wind dancer, a sea-siren type nude sculpture that you will be able to see for yourself when it goes up at Oleander Point Park, along Ocean Drive.The sea siren will stand some 25 feet tall, and will overlook the bay. It might be in place by December."It could be a good Christmas present, I guess, or a Happy New Year," Parks Director Michael Morris said. "Whichever way you look at it, the Durrill family has done so many things, donated so much art across the city, that this will be just one more."The Durrill family is donating the statue to the city. City Council signed off on the deal and the nude sculpture.When asked about the nudity, outgoing City Councilman Larry Elizondo said that major city's have works of art like it, and now Corpus Christi will have the same.


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Reported by Casey Roman – bio |email
Posted by Debra Worley - email
WILMINGTON, NC (WECT) – After 3.5 years with Sea-Comm Inc., BIG Talker morning show host Curtis Wright has been terminated from his position.
While owner Paul Knight said the decision wasn't easy to make, Curtis said he's been given no explanation for being fired.
[Click here to read a press release from Curtis Wright]
Curtis has built a large radio audience with his outspoken ways and reputation for being politically incorrect.
"I built it from nothing and made it into something and all that came with it," said Curtis.
Knight says Curtis lived and breathed that radio show, which brought in ratings and revenue for the media company. He says the termination was a long time coming and has to do with issues that take place behind the scenes, off air.
"Everybody is allowed to have a bad day, but don't have 2,3,4,5 and don't go stirring up a bunch of mess with my staff because that's the quickest way to be asked to leave," said Knight.
Curtis said his relationship with Knight changed after his boss ran for mayor, but Knight says he gave Curtis a letter of immunity allowing him to speak freely on air about the race.
Though Curtis may not work for Sea-Comm Inc. anymore, he says he plans to continue his show elsewhere and looks forward to competing with his previous employer.
[Read a press release from Sea-Comm Inc]
In a press release, Knight said it will be tough to fill Curtis' shoes, but Rob Kendall from WTXY is ready to take on the challenge as the BIG Talker continues to produce conservative programming.
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Dec 15, 2011
CJ McManus, Sun Advocate Studios host, discusses the Western Mining and Railroad Museum's new exhibit with Director Stephanie Fitzsimons. "
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This Saturday my sister is getting married, so Friday, my wife and I will make the 3.5 hour drive from west-central Ohio to Parma Heights. Unfortunately, because of pre-arranged festivities, we will not be able to attend Sugardale Dollar Dog Night and watch Justin Masterson smoke the Orioles. However, we will be attending Sunday's game at Progressive Field.
I haven't been to park in about 8 years, so I wanted to ask those who have been more recently, what I should do during my visit. I mean, besides watch the Indians win their 13th straight.
So, how about Indians fans? What's to see and do at Progressive these days?Some things that have crossed my mind:
- Wear warm clothing
- Bring poncho
- Look for a Great Lakes Brewing Co. beer stand
- Try to look 12 in order to walk the base path before the game
- Show up early for autographs


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Saturday evening weather forecast
More top news
London councils face school place funding shortage
The Local Government Association has warned that councils in London are having to take money out of their budgets to pay for school places.
Neil Warnock returns to Crystal Palace
Crystal Palace have reappointed their former boss Neill Warnock to keep them in the Premier League.
Guide Dogs charity gives advice to cyclists
The Guide Dogs charity has warned cyclists to take extra care near guide dogs.


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Hampton Village Mason Ohio Year to Date October 2011 Snapshot We have had 5 homes that have sold in Hampton Village in Mason Ohio in the Cincinnati MLS so for this year from January 1, 2011 through October 25, 2011. These homes took an average of 69 Days on Market. The highest price to sell $417,000, with the lowest coming in at $370,000.
There are currently 2 homes on the market in Hampton Village. They are priced at $440,000 and $465,000 and have been on the market for 29 Days and 25 Days respectively. Anytime you have any questions about the market in Mason Ohio. Simply call Scott Baker at 513-403-5323. Visit www.eHomeReports.com
Scott Baker, ABR e-Pro REALTOR®
Realtor serving Cincinnati, West Chester, Mason Ohio, Liberty Twp. Ohio and the surrounding areas in Butler County and Warren County. To Buy or Sell a home, call Scott at 513-403-5323.
Want to google a Realtor? I'll help you, Click Here
Homes For Sale West Chester Ohio, Homes for Sale Mason Ohio, Homes for Sale Liberty Twp. Ohio


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Arkansas Delegation Cheers Jay Moody's Confirmation to Federal Judgeship
by Lee Hogan
Posted 2/25/2014 11:38 am
Updated 6 months ago
U.S. Sens. Mark Pryor and John Boozman applauded Monday's confirmation of Judge James "Jay" Maxwell Moody, Jr. to the federal bench.
Moody, a Circuit Judge for the Third Division of the Sixth Judicial District of Arkansas, was confirmed to the United States District Court for the Eastern District of Arkansas in a 95-4 vote by the U.S. Senate. Moody was nominated by President Obama to succeed Judge Susan Webber Wright in July.
"I'm pleased my colleagues have finally allowed Judge Moody's confirmation to go through," Pryor said in a news release. "As I've said from the beginning of the process, Judge Moody not only meets, but exceeds the qualities we want in our judges."
Boozman said Moody's legal career was a clear indicator of his pursuit of justice.
"I believe his experience makes him a great fit for U.S. District Judge for the Eastern District of Arkansas and I am confident that he will continue to pursue the interest of the law during his service on the bench," Boozman said.
Moody, who has been voted the Pulaski County Judge of the Year four times, has served as a Pulaski County Circuit Judge since 2003. Previously, he served as a partner at Wright Lindsey & Jennings LLP in Little Rock, in addition to adjunct professor at the University of Arkansas Bowen School of Law.
Moody received his bachelor's degree from the University of Arkansas, and his J.D. from the University of Arkansas Bowen School of Law.


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By David Kenney - bio | email | twitter
MADISON, MS (WLBT) - Two men are in custody following a carjacking in the Madison Burger King parking lot.
The carjacking occurred at the fast-food restaurant at the intersection of Highway 463 and Galleria Parkway around 9:00 Tuesday morning.
The driver of the carjacked vehicle was put out at the intersection by two black men.
They were making a turn against the light at Highway 463, and were hit by another car.
Master Sergeant Kevin Newman of the Madison Police Department says, "The Burger King Manager was leaving with a bank deposit when she was carjacked in the parking lot. One of the men was armed."
After the wreck, both men fled into a wooded area, but they were caught as they tried to elude police.
Madison Police identified one in custody as 19-Year-Old Demarius Graham of Jackson.
Graham is charged with armed carjacking.
A 15-Year-Old in custody is not being identified.
He is also charged with armed carjacking, leaving the scene of an accident, no license and no insurance.
No weapon was recovered.
Officers from the city of Ridgeland, Madison, Madison County Sheriff's Department, Wildlife, Fisheries and Parks, and the Mississippi Highway Patrol assisted in the search along with four K-9 dogs.
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Event/Marketing Intern - Hester Street FairBookmark This
Hester Street Fair
266 East Broadway, B207
Manhattan, NY
DescriptionThe Hester Street Fair, an outdoor specialty food and goods market in the Lower East Side, is looking for individuals in search of a unique internship focused on event production and marketing.
Started in May 2010, The Hester Street Fair is home to a weekly rotation of 60 unique vendors with an emphasis on local, artisanal, and handmade or collected. Our philosophy is to create a dynamic space where art, commerce, local food, and community intersect and thrive. Interns will be able to learn about all aspects of the company: marketing, event production, operations, publicity, and new business development.
This is a 3-month, unpaid internship starting immediately, requiring a commitment of 10-20 hours/week and a flexible schedule, as workdays will often coincide with our events. Please email your resume, cover letter, and availability to firstname.lastname@example.com in order to be considered for the position.
RequirementsStrict attention to detail and ability to conduct thorough, efficient research
Knowledge of the New York media, food, and restaurant landscape
Experience using social media networks (i.e. Twitter, Facebook, Instagram, etc.)
Well-versed in Google Docs, Microsoft Office Suite
Experience with HTML and Photoshop is a plus


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Campabout Oz Campervan Pics – New Customer Photos – Perth WA
Without a doubt, our vans lead more exciting lives than we do! See them in action – and the great Aussie scenery of course – in these fabulous photos sent to us early this year. Many thanks to these two happy Campabout Oz customers making the most of their Australian self drive holiday. There's nothing we love more than seeing your holiday photos!
333 Great Eastern Highway Rivervale, WA, 6104 Australia
firstname.lastname@example.com • 08-9477-2121


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Stargazing can be an out-of-this-world experience, but here in Texas, there are a few places that are able to magnify that experience even more.
The Texas Parks and Wildlife Department has introduced its first new conservation-themed specialty license plate design in a more than a decade. Sales of the plate, which depicts a campfire and tent under a starry sky, help fund state parks. The camping plate won the department's online survey last year, garnering more than 6,000 votes.
Sunday mornings in the West Texas town of Alpine are remarkably quiet for a community with a population of around 6,000 people.
The main entrance roads to Big Bend National Park offer about 50 meandering miles of glorious scenery.
Don't let the still, ancient expanses of the Chihuahuan Desert fool you—there's a lot happening out here, from cultured art festivals to white-knuckle car racing. You just have to know where and when to look. In Alpine, that might mean watching the skies for a colorful, high-flying balloon festival on Labor Day weekend; or in Terlingua, following your nose to its storied chili and black-eyed pea cook-offs. Try any (or all!) of these annual festivals—by no means the only events going on in this part of the state—to get in on the far West Texas fun.
The Texas landscape has often served as both origin and inspiration for the creative mind. The stark, windswept plains of the Panhandle drew painter Georgia O'Keeffe west to Texas in 1912. The humid shores of Port Arthur gave us singer Janis Joplin and modern artist Robert Rauschenberg. Archer City, hometown of author and screenwriter Larry McMurtry, provided a prototype for the human landscapes that appear in many of the writer's stories. And the late sculptor Donald Judd loved the West Texas community of Marfa so much that he made it the heart of his legacy.
La Posada Milagro Guesthouse and Casitas, an eclectic restoration of historic stone architecture located in the Big Bend ghost town of Terlingua, rises above a desert floor dotted with greening acacias, blooming yuccas, and flowering stems of tri-colored mustard. Although it's only February, spring has arrived in this region of the northern Chihuahuan Desert, as it often does when winter moisture and warming air animate a sleeping arid landscape. With its commanding vistas of the surrounding area, framed by the Chisos Mountains in nearby Big Bend National Park, La Posada is perfectly positioned to provide you with a front-row seat to this desert awakening. It also offers desert lovers conveniences such as private baths, air-conditioning, and fireplaces, plus design features like handcrafted doors and windows, tin roofs, and sotol-stalk ceilings, all enhanced by the breathtaking view.
The approach of a Texas winter brings with it mesquite smoke above Hill Country chimneys, migrating sandhill cranes over the Panhandle plains, and blue northers churning coastal bays. Our winter's mild frost still reminds us that seasons do change in Texas; without an occasional freeze and its icicles, our memories of past summers might not seem so sweet. Fortunately, Texas also offers the ideal antidote for those prone to the winter blues—a vacation in the remote Big Bend Country, where warm afternoons and crisp nights are common from December to February.
The Boquillas Hot Springs, a collection of 105-degree springs located along both sides of the Rio Grande in Big Bend National Park and Boquillas, Mexico, was a popular bathing spot long before settler J. O. Langford arrived in the 1900s and turned the U.S. side into a health resort. Reports from the mid-1800s indicate that the hot springs served as a stopover on the historic Comanche Trail. Records also document Apaches growing crops and living in settlements around the springs as early as the 1700s. In fact, pictographs above the springs provide evidence that ancient peoples constructed bedrock mortars and bathing pools for capturing the warm water. Today, the foundation of the more recent Langford bathhouse still holds enough hot water to create a shallow pool for visitors to enjoy. Located along the Hot Springs Trail just a short hike from the Hot Springs Trailhead, the small pool offers a relaxing respite after a day of winter trekking across the national park.
My family has made a number of trips to Big Bend National Park over the past 30 years, driving the scenic routes, hiking its many trails, camping, and enjoying stargazing and hot springs. We love this 800,000-acre park for its incredible and diverse landscape: swaths of thorny Chihuahuan Desert, verdant springs, sand dunes, rocky ridges, and entire mountain ranges hiding waterfalls and spruce-filled canyons. Even more, we cherish its opportunities to get away from the madding crowds.
With pleasant late-September temperatures and a picture-perfect blue sky overhead, I shrugged on a backpack loaded with overnight gear and made last-minute hiking plans with friends in the Basin parking lot of Big Bend National Park. Above us towered the craggy heights of the Chisos Mountains, daring us to hike up into the rocky peaks.
For the enlightened and adventurous traveler, serendipity transforms every trip: Hiking a new trail and rounding a bend to encounter an unexpected vista, journeying to a destination you've heard about—or visiting a familiar place with someone who's never been—without an agenda. Or, in the case of pursuing Texas wildflowers, finding yourself surprised with the splashes and brushstrokes of red, blue, orange, and purple that appear in the landscape.


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Amber Lobaugh
Lobaugh's winning program, "Art History," expands the current visual arts program into an art history course for students at Fort Gibson High School. The program will be devoted to the academic study of Western art history with the hopes of eventually developing the course into an advanced placement art history course. This would provide students with the opportunity to acquire a fine arts credit and prepare for general education studies in the area of liberal arts. The program differs from traditional studio courses because it will be based on incorporating cross-curricular subjects such as language arts, social studies and science. This will help students make real-world connections through a variety of areas. The course will serve as a survey of Western art history from prehistoric art to contemporary arts. Participating students will have the opportunity to select a variety of projects they find interesting for independent study. For example, students who are interested in prehistoric art can choose from projects such as creating their own cave art to exploring technologies used in the discovery of caves. Lobaugh, who lives in Broken Arrow, hopes the independent and personalized studies will help students become more resourceful and independent thinkers.


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text: Press Release from the Wisconsin State Patrol: On July 18, 2013, the City of Portage Police Department in Columbia County, WI requested assistance in locating a 2003 black Toyota Corolla that was suspected in being involved in a bank robbery that occurred in the City of Portage. At approximately 3:30pm, a Wisconsin State Trooper located the vehicle traveling eastbound on I-94 near mile marker 108 in Jackson County. With theassistance of the Jackson Co. Sheriffs Department, a traffic stop was conducted about 2 miles east of Black River Falls near mile marker 117 on I-94. The driver who was the lone occupant in the vehicle was taken into custody without incident. The suspect was transported to the Jackson County jail where they will remain held until turned over to the City of Portage Police Dept. The name of the suspect is being withheld at this time pending the investigation by the City of Portage Police Department.


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Ashley has a quiet, very sweet personality and was so easy-going and fun to work with! I love that she was totally up for any idea or suggestion that I had! Thank you for trusting us to share in this special time in your life!
To inquire about a Senior Session with Studio Twelve, please email us at email@example.com or call us at the studio at 707.258.1212


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Russ Schneider
Resident Director
E: email@example.com
I am the Resident Director of Thayer Hall. I graduated from Arcadia University with a BA in Biology where I was an RA for 3 years. I was born and raised in New Jersey. I enjoy playing sports (non)competitively - Ultimate frisbee, golf and soccer are few of my favorites. In my down time I don't mind going for a run, watching movies or the occasional snooze. I enjoy serving - whether it be at a local church, a friend or someone in need. Sharing the love of Christ is God's command on my life and I hope to accomplish fulfilling a call to Waynesburg University.


text: I coached Little League, and the continuing antics of the Fish remind me of nothing so much as a team of inexperienced kids. I keep coming back to the feeling that Joe Girardi would not have put up with as much sloppiness as seems to be the daily routine for these guys. The Marlins need to have a nice long drill involving calling pop-ups, for but one example. Anyway, my Big Idea is for true Fish Fans, whenever they see Loria at games, to yell "SHUT UP!" in the loudest possible voice every time the effete lying turd opens his mouth. I actually wish that whenever Loria has public contact with any regular people (a rare occurrence I'm sure) for him to be told to SHUT UP. I don't think we should blame Fredi for being who he is, it would be nice to have that kind of nurturing presence around IF there was a Manager that insisted on discipline and Playing The Game Right. You can hardly blame (for instance) Bonifacio for the stupid things he does, he's a rookie and that' stuff's going to happen. You just hate to see him doing the same thing repeatedly. It seems to me that the Marlins' problems have always started at the top, and ownership seems willing to exchange the pursuit of wins for field management that consists of Company Men. Anyone out there agree with my perspective?


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Unfortunately trash has made its way on to our public hunting lands. Now it's not reasonable to assume we can keep 100% of the garbage out our hunting areas, but there is definitely room for improvement.
As such, we want to do something about it. So RefugeRat.com challenges you to be the bigger Rat and pick up some of the trash you see while hunting in the field, either yours or someone else's.
It can be anything you want. Candy wrappers, tobacco tins, plastic bottles, shell boxes, shell casings, or whatever. As little or as much as you wish. It's up to you.
Then send us a picture of the garbage you removed from your favorite field, marsh or waterway.
In return, for helping to make the public places we all like to duck and goose hunt better for all, we will send you a Rat Decal for free. Rat Decals...
marsh as you found it. Good things come to rats who clean up shells, boxes,
and after themselves in the form of of double banded drake mallards with a "C"
note on one leg and a federal band on the other!
Hard Up Rat,
The question is where did they learn it?
time to relight this fire
wisconsin hunter
I got a good one for you
Take Care of it
find some collectors items, like paper shotgun shells. Some brass hulls, or that old bottle from Coca-Cola....
It's hard to believe that so many people would just walk over garbage and not ever give it a second thought to pick it up. But if some part of public land is closed, they are the first to complain that there is just not enough public land open to hunters. As a land owner, why would they want their land turned into a trash dump?
missouri hunting can be tough but extremely rewarding
We are just about ready to bring in and post up some signs in some areas we hunt that say, "Pick up your trash!" 10-4 on the loss of access too. Guys slit their own throats by not picking up their trash, then they wonder why they can't hunt their anymore. )-:
Great way to describe it, respect, you hit the nail on the head too.
Leading by example is important also. We can all learn something, or teach something, no matter the age.
Thanks for the support, and always great to meet another Rat.
Taken the trash out!
I was appauled to find 1/3 of those empties were lead dove loads in 8 shot. They hadn't been reloads because I found one the fool dropped along the waters edge. I found garbage can liner that someone had dropped in the corner of a makeshift blind and put everything we could into it. I emptied everything from my vest and put the bread bag (which was full) in the sack.
I reload my own duck loads alot and we later sorted out what I wanted and threw the rest in the trash after we arrived home. While walking out that day we ran into a Officer and he wanted to inspect what we had in the bag I was nearly dragging. Keep in mind this was two weeks after the opener.
After explaining to him that we had cleaned up 4 blinds of all the trash and empties, he lit up. "I've never seen anyone carry out the garbage before, let alone pick up and carry out someone else's leavings." He thanked us, I tossed him the 12 guage loaded dove load I found in the blind and showed him how many of the shells had been used. He shook his head and commented on how the officers still miss out catching people that abuse the refuge.
I'm impressed with all the comments concerning clean up. I've made it a habit to clean up all the empties I can carry. I have 4 bins and several sacks of empties that I could reload but I have enough shells. (Never ever thought I'd say that!) I want to go to a clean hunting area, and I expect to have one as well as leave one when I go home.
Thanks to all of you.
Ethical sportsmaen unite! Keep up the good work fellow Ratties!
Wanton waste and sheer laziness
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4 Tips to Get More Done In Less Time
Posted in Quick Tips on December 13, 2011
Are you running from rehearsal to class to class to meetings to rehearsal and STILL feeling like you got absolutely nothing accomplished? Trust me, we've all been there!
- Write down all the things. Don't just take it for granted that you're going to remember every little iota in your mind. Follow this simple rule: if you want to remember it, write it down; and if you don't want to write it down, then forget about it! Is keeping a memorized list of things to do really the best use of your brainpower? I think not! Write down what you need to do and stick to your list. Nothing more, nothing less. (It takes discipline, but try it for a couple of days and you'll be amazed by how much more you can get done.)
- Keep ONE to-do list. There is only one of you, so it just makes sense to have one to-do list. Whether you consider something "work", "school work", or "personal business", putting things on separate lists just means that you'll have to do more work prioritizing which list to work on later. Keep everything on one list and it'll be easy for you to take care of calling Mrs. Pratchett while driving to the grocery store.
- Don't fall for the urgent trap! Just because something is urgent or immediate does NOT mean that it's important. Yes, something could be both urgent and important (think life-threatening injuries), but most things are not *actually* important. Take a look at your to-do list and ask yourself, "Does doing this task bring me closer to my goals?" If the answer is no, scratch it off the list right away. I can already hear the panic alarms going off in your head. "But Sky, this is REALLY important because everyone will hate me if I don't bring 20 dozen homemade cookies to the meeting!" Are you sure? Just because you feel like you "have" to do something, doesn't mean that it's important.
- Stop distracting yourself.Even as I'm writing this, I've got Facebook open on another tab. Luckily, I had the brains to turn off my TV and leave my cell phone in another room for now. When we have "just too much" to do, we tend to consciously or subconsciously help ourselves fail. We procrastinate, we check out pictures of cats in sundresses, we call up our long-lost best friend from 4th grade and lament about how Central Elementary just isn't what it used to be. Turn off the distractions; focus on what is really, truly, important to you; and start succeeding!
How do you stay productive? Let us know in the comments below.
Did you like this post? You might also like…


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Women's Bouncy Ball beat the spread but not the undefeated #1 Huskies.
The Women's Bouncy Ballers bounced DePAAAAWWWLLL and are headed to the Elite 8. UConn's Death Star awaits.
The Ags and Blue Demons both want to run the dayum ball.
The Women's Bouncy Ball team took care of a pesky James Madison team at Reed Arena to advance to the Sweet 16 in Lincoln next weekend. 16 was also the number of sweet assists that Jordan Jones...
The Women's Bouncy Ball team used a second-half run to overcome a poor performance against N. Dakota and advance to face James Madison on Tuesday Night.
The Women's Bouncy Ball team fought valiantly, but didn't have enough to prevail against Tennessee in the semifinals of the SEC tourney.
How to find the Auburn-A&M game on your TV
The Ags finished the SEC regular season with a win at Florida and a 3 seed in the conference tourney
Sophomore Jordan Jones triple double led the Ags to a solid win on Senior Night.
A frustrating loss to a good Kentucky team all but killed the Ags chances for a regular season SEC title
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Q. My daughter is a responsible 13-year-old who's very comfortable around kids. In the past, she has babysat our neighbor's 4-year-old for short periods of time, but now other neighbors are starting to request her for evening jobs watching their kids ages 2 to 10. I'm not sure whether my daughter is old enough to handle a long night like this, especially with a 2-year-old. What are some signs that my daughter is ready to babysit? At her age, what's appropriate?
A. Babysitting is an experience that can help your teen earn money, plus learn responsibility and how to care for children. But while babysitting is good training for subsequent jobs, it should never be taken lightly.
When deciding whether your daughter is ready for full-time babysitting gigs, more important than her age is her maturity level, experience, and judgment. That said, ask yourself this: "Does my daughter know..."
If she's able to answer "yes" to these questions, or she shows a profound interest in learning the answers, consider what the job itself entails. For example, if a couple wants your daughter to babysit their toddler from 7 p.m. to 11 p.m. and the toddler predictably goes to bed at 8 o'clock, your daughter can probably handle it. But if another couple wants her to watch their three children ages 2, 7, and 10 from 11 a.m. until 8 p.m. Saturday while they go to a college football game and dinner, she should decline.
If both you and your daughter decide that babysitting is right for her, make sure she:
Takes a Class. Require her to take a course for up-and-coming babysitters; many hospitals and community organizations offer them. If no classes are offered in your town, your daughter can sign up for a class online. Check out the American Red Cross's Babysitter's Training Course or Babysittingclass.com.
The plus side of a live in-person class is that your daughter would have lots of interaction with other students. The benefits of an online class are that you can participate and sense just how much she's grasping, her level of interest in taking on the responsibility of babysitting, and if she's learning how to manage the business side of babysitting.
Tries Trial Runs. If your daughter has the opportunity to be a "mother's helper" before being on her own with young children, all the better. A mother's helper takes care of children when the mom is home, but is in her office working or outside in the garden planting vegetables.
Has Back-Up. When your daughter starts babysitting solo, plan to be home in case she can't cope. That way you can come to the house to help out until she builds up her confidence and child-caring skills.
Jan Faull, MEd, is a veteran parent educator and the author of two parenting books, Mommy, I Have to Go Potty and Unplugging Power Struggles. She writes a biweekly parenting advice column for HealthyKids.com, and a weekly parenting advice column in the Seattle Times newspaper. Jan Faull is the mother of three grown children and lives in the Seattle area.
Originally published on HealthyKids.com, December 2004.


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Sunday, February 10, 2013
Butler's foot fine after getting hit with Kovalchuk shot Saturday
Devils right wing Bobby Butler said his right foot feels fine today after being struck in it with an Ilya Kovalchuk slap shot late in the third period of the team's 3-1 win over the Penguins Saturday.
"It was a hard shot, but I woke up this morning and it felt good," Butler said this afternoon.
Butler said he did not have an X-ray on his foot. "First blocked shot of the year," he joked.
Kovalchuk helped Butler get off the ice afterward, which he appreciated.
"But he shoots the puck as hard as he can all the time, so it's part of the game," he said.
Butler scored his first goal as a Devil Saturday and also had an assist in the victory. Although he has been skating on the fourth line, he has been playing regularly on the second power play unit and has helped that group become more effective since being called up eight days ago. That unit produced both of the Devils' power-play goals Saturday.
"I'm excited that I get to be here and help the team and I've just got to play the best I can and play the way they want me to play," he said.
Some of you had been asking about Penguins captain Sidney Crosby possibly elbowing Stephen Gionta in the head Saturday moments after Gionta had taken a hard hit from Chris Kunitz in the third period.
Gionta said Crosby did not make contact with his head and didn't think it was anything of significance.
"It was nothing," Gionta said. "We just bumped into each other."
It was clear that Gionta got under the Penguins' skin a bit, though, because he was the target of multiple hit attempts.
"I don't know what I did to annoy them," Gionta said.


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As most of you know, the rockets start camp in a week and will be taking 19 warm bodies with them. They get to keep 15 of them. There will be 4 guys looking for work when the season starts. In a somewhat different twist, all these guys will get paid to some extent so the usual suspects without contracts are not in play. Les is going to have to pay all these guys some cash which makes the level of competition a bit more intense. Also, assets are no longer a prime concern, win now is the mantra.
All these things considered, how do we get to 15 players? The most precarious two spots likely belong to BJ Young and Jordan Henriquez. Both are undrafted rookies on partially guaranteed deals and both play positions we are deep at. To say they will be under pressure to play well is a huge understatement.
Reggie Williams, Robert Covington, Aaron Brooks and Ronnie Brewer make up the next group. Isaiah Canaan would make this group if not for getting drafted and having a slightly more secure deal, if only slightly. Covington seems to have some fans on our staff and if Canaan plays well it could be hard for ABZ to stick. Williams seems a good fit to give Harden some needed rest off the bench but there are several folks looking to fill that spot.
One wild card in this is Greg Smith. He is on the last year of his contract so a trade is not out of the question. On the other hand, word is he has outworked his fellow players in the offseason and might come to camp and make someone else expendable.
The one certain thing in all this is the level of competition for roster spots will be intense. That said, who do you think will surprise and why? With a week till the fun begins, lets see who can identify the next roster. Also, how many of the 4 guys that we cut will end up on another NBA roster?


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DescriptionWhen you download Blood Brothers, you will join the other millions of users worldwide who have helped place the game at Num. 1 in the Google Play Store.
Blood Brothers is a dark fantasy game, the story of a lone hero who is biten and turned into a blood-sucking vampire. His task? The dark hero needs to build an army, bound by a blood pact, to then seek pay back for the corrupt empire in which he lives.
You can select one of the eight available heroes, either a knight, samurai, high elf, dark elf, ape, lizardman, dwarf, or goblin – to be at the head of your legion and win bloody battles.
"With thrilling combat, character collection and leveling and an interesting storyline, Blood Brothers is epic!" –gameographics.com
★ Optimize your army to obtain a strategic edge.
★ Build skills in archery to sorcery, lightning to fire.
★ Connect and evolve characters together in dark rites.
★ Travel through villages, castles, dungeons, and more.
★ Obtain brandnew characters and new areas of the empire in free updates.
"Love this game! It has a whole new concept on the RPG games out there. If you like Rage of Bahamut or other card RPGs you will love this--it doesn't use the card concept, which I love."
"This game is a blast! It's like a very interactive strategic board game and so far the best RPG game I've played on my phone."
"If you like any kind of CCG you will love this game."
The emptire of Blood Brothers has no limits!
Blood Brothers is powered by Mobage, the best, free social game network.


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Now we offer a variety of our gourmet popcorn in one large gift bowl. The It's Popcorn Time Gift Bowl Set featues a 10" beautful Yellow & cream color 10" enamelware popcorn bowl. With your official Popcorn Bowl and 9 varieties of Gourmet Popcorn, it's definitely Popcorn Time! Trying all the different popcorn blends will provide for lots of fun and interesting popping right in your own home!
It's Popcorn Time Bowl Set includes:
From white to yellow, red to blue, pink to gold, these gourmet popping corns are grown naturally for the best in taste and texture.
This 11" Popcorn Bowl Gift Set contains one Natural finish wood agatized bowl that is jam packed with four 15 oz. gourmet popcorns: Wisconsin White Birch, Savanna Gold, Starshell Red and High Mt. Midnight. Two favorite popcorn seasonings are in added in which include White Cheddar Seasoning plus Fireworks® Popcorn Salt and two popcorn forks. The dishwasher safe, durable bowl will have many uses!
Send this popcorn bowl gift set to your favorite popcorn lover as a gift for the Holidays, or as Birthday Gift, Get Well Wish, Thank you, or even as a Housewarming gift!
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