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From Wikipedia, the free encyclopedia - View original article
|Technology finance
|Errol Damelin,
Jonty Hurwitz
|London, United Kingdom
|Key people
|Errol Damelin (Chairman)
Niall Wass (CEO)
|Short-term credit
|Technology finance
|Errol Damelin,
Jonty Hurwitz
|London, United Kingdom
|Key people
|Errol Damelin (Chairman)
Niall Wass (CEO)
|Short-term credit
Wonga.com (a trading name of WDFC UK Limited) is a British payday loan company offering "short-term, high-cost credit".[1] The company was founded in 2006 by Errol Damelin and Jonty Hurwitz.[2] Damelin is the Chairman and Niall Wass is the Chief Executive.[3] The firm operates in the UK, South Africa, Canada and Poland.
The interest charged by the lender, which can equate to an annual percentage rate of more than 5000% per year,[4] has been widely criticised. Wonga have said that they believe that APR is a poor measure of the true cost of short-term loans. As of November 2013, a loan of £100 over thirty days required £137.15 to repay.[5]
Wonga was the first company to use fully automated risk processing technology[6] to provide short-term, unsecured personal loans online, including via tablet and mobile app. The initial product was launched in October 2007[7] and the firm was also the first to provide an instant lending application on the iPhone.[8]
Wonga was founded by Errol Damelin and Jonty Hurwitz in October 2006.[2] Both founders had previous start-up experience; neither had any experience of retail banking.[9] When they first started looking for funding, potential investors saw the short-term, small-loans business as an unprofitable, risky backwater.[10] After being denied funding by UK banks, they secured venture capital through Balderton Capital.[11] The first place of business was in a shared office space in St. John's Wood, London.[12] After a year of development a beta website was launched in 2007.[13] In interviews, Damelin has said that the goal was to disrupt the short-term credit industry by providing transparency, exact control of amount and payment date, immediate access to funds, and no faxing or emailing documents.[10] The business model of lending only to those who could pay back reliably, as opposed to the much wider catchment practice of payday loans required an algorithm that could fully determine risk in an automated manner - something they had difficulty developing in the early stages. In order to get funds directly to customer's bank accounts as quickly as possible, cooperation from leading banks was required. Banks were reportedly dismissive of Wonga's plan saying they would not be totally satisfied with customer identity without physical documentation.[10]
Within five minutes of launch, the first loan application was processed, and within a week the first loan default occurred.[10] The subsequent months of operation showed increased demand, but traditional methods of credit risk assessment proved inadequate[citation needed] and the company experienced default rates of around 50%.[6] The company used this period to gather data on customer behaviour and began developing their own proprietary risk technology.[citation needed] The full market launch of Wonga.com was July 2008 and 100,000 loans were reached by June 2009.[14] Through the experience of processing these loans, the company developed technologies which began to dramatically reduce the percentage of defaults.[citation needed] In July 2009 Wonga raised a further £13.9m of funding in a Round B led by Accel Partners, Greylock Partners and Dawn Capital[15] which improved the technology[citation needed] and the launch in December 2009 of the first end-to-end iPhone credit app.[8] In 2009 the company was already profitable and default rates were below 10%, less than the average for credit cards.[15] A third round of funding was completed in 2011, for £73m led by Oak Investment Partners including additional investors Meritech Capital Partners and the Wellcome Trust.[16] By the end of 2011, Wonga's technology could reliably reject two thirds of applications and predict to 93% accuracy the ability of a customer to repay a loan.[17] In May 2012, they opened a business in South Africa offering consumer loans.[18][19] The Daily Telegraph reported in November 2012 that Wonga were also testing their technology in Canada.[20]
|This section requires expansion. (November 2013)
Wonga is a trading name of WDFC UK Limited. Also incorporated is Wonga.com Limited and Wonga Group Limited. All are companies incorporated in the United Kingdom but not quoted on the stock market. Also associated with the group is a Swiss registered firm, WDFC SA (formerly known as Wonga International AG), which processes credit applications on behalf of Wonga and owns the trademark to the Wonga name.
By 2011, Wonga had refined its business model to such an extent that it started to make significant profits and in September 2012 it reported profits of £45.8m for 2011 from revenue of £185m, up from a profit of £12.4m in 2010.[21] The involvement of the Swiss company and the transfer of the trademark to it in 2012 have been seen by Corporate Watch as part of a scheme by the firm designed to avoid tax. According to Accountancy Age, in 2012, a net amount of £35 million was paid to WDFC SA, the profit on which will only be taxed in Switzerland.[22][23] Several Wonga executives, including Niall Wass, are now believed to be based in Geneva in connection with the business of WDFC SA.[24]
In 2013, Wonga Technology Limited, a company incorporated in the Republic of Ireland,[25] patented "user authentication software", telling Corporate Watch that "It is common practice for international groups to consolidate their IP holdings in a location where the substantial activity relating to the IP is performed." Richard Murphy from Tax Research UK commented that "The transfer of key business processes - especially those that are technology based and that can be protected by patents and copyrights - is a classic way in which companies try to move their profits between countries."[23][26] Other associated companies incorporated in Ireland include Wonga Limited and Wonga Decisions Limited.[27] It is likely that other companies have been incorporated by Wonga in the different countries in which the group operates.
The company is owned by the founders and other backers, with Errol Damelin owning 16.8m shares through Castle Bridge Ventures, an offshore trust based in the British Virgin Islands, while Jonty Hurwitz owns 12.6m shares through a company also based in BVI.[28]
Wonga claims that its customers are "tech-savvy young professionals who previously used the banks to borrow money".[29] It accepts that its APR is "not cheap" but claims that its typical customer is on a mid-level salary and is temporarily short of cash because of an unexpected bill, for example to buy a new central heating boiler or tickets to a music festival.[30]
Dr Gathergood of the University of Nottingham described payday loan users as falling into two groups, those who have had a financial shock but can repay the money and those who were unable to control their expenditure, though he said lenders preferentially associated their clients with the first group.[31] The committee also looked at credit unions.[31] Mark Lyonette of Association of British Credit Unions said that although credit unions now provided 90 million loans in the United States, they were not able to match the "sophisticated automation and credit scoring behind the scenes" of the "high-tech, payday-lending Wonga model" though he welcomed the possibility of using Post Offices as a vehicle to expand the Credit Union market in the UK.[31]
Wonga has said that most applicants are not credit-worthy enough to obtain a loan from the firm and it only lends to those with a good credit record. Some commentators, however, have warned that taking a loan from a payday lender actually damages someones credit record and their ability to obtain a mortgage, even where the loan was paid off years ago. Ray Boulger of John Charcol, for instance, told BBC Newsnight that "Our experience is that mortgage lenders will often turn down requests for people who have had a payday loan...",[32] and Robert Sinclair, Chief Executive of the Association of Mortgage Intermediaries, said "From a consumer perspective, anybody who takes out a payday loan is clearly showing some financial distress and existing lenders will think these consumers may be maxed out."[33]
|This section requires expansion. (November 2013)
The firm claims its loans are often cheaper than unauthorised bank charges and although APR disclosure is mandatory, it is a poor comparison measure for short term loans.[29] The Business, Innovation and Skills Committee heard evidence from consumer money expert Martin Lewis that the total cost of a payday loan was more useful than APR.[31] Lewis calculated in his blog that at a compounding interest rate of 4,212%, a £100 loan that is not repaid would in seven years amount to more than the USA's entire national debt, however, he explained that his calculation "bears little resemblance to reality", because Wonga does not charge compound interest. He also explained that he had performed this calculation purely to raise awareness of the risks of payday loans and concluded by expressing the hope that his example would make people "think twice before getting payday borrowing".[34] Wonga have stated that they stop charging interest altogether once a loan becomes more than 60 days overdue.[35]
Wonga states that if the money is not available on the day a customer has nominated to pay it back, a £20 fee will be charged and interest will accrue for a maximum of 60 days[36] and does not allow automatic "rolling over" of loans, limiting to specific requests and to a maximum of three instances in accordance with the Finance and Leasing Association lending code.[37][38]
On 28 November 2012, following concerns that small loans, intended to be short-term, could become prohibitively expensive, the government announced it would give the Financial Conduct Authority powers to prevent indefinite rolling over of loans and effectively limit charges.[39]
In May 2012 the company was informed by the Office of Fair Trading that it must improve its debt collection practices, after it emerged it had sent letters to customers in 2010 accusing them of committing fraud. Wonga has appealed the decision and said it believes it had grounds for suspecting dishonest conduct by the specific customers to whom letters were sent, that they were sent on isolated occasions more than 18 months previously and had not been sent since. It stated that it had put in place procedures to make sure similar problems did not occur in future, and that it now referred cases of suspected fraud to an in-house team to investigate. The phone scripts had not been used since January 2010, it said.[40]
|This section requires expansion. (November 2013)
An All-party Early Day Motion tabled in November 2011 highlighted Wonga's "high APR" and seeks to restrict the level of interest that can be charged on all loans by financial institutions.[41] MP Stella Creasy has also proposed legislation for interest rate caps.[42] A Policis report on proposed interest rate capping said it would cause an exit from the market and those with access to the credit mainstream would be diverted to products such as overdrafts and revolving credit that could be higher cost than high APR products and those without access to credit would be diverted to the black credit market.[43] The Times said capping will further limit the availability of credit to people from regulated entities.[44]
In June 2013, the consumer minister called payday lenders to a summit to discuss "widespread irresponsible lending."[45] The article quoted the APR of Wonga -the largest lender as 5835%.[45] Wonga's pre-tax profits were quoted as £62.4m.[46]
In November 2013, Labour Party leader Ed Miliband criticised payday lenders for creating a "Wonga economy" and "a quiet crisis of thousands of families trapped in unpayable debt."[47] He also called for Wonga's cartoon-type ads aired during children's programmes to be banned, and promised to introduce legislation to that effect. He accused Wonga and other payday lenders of 'targeting children'.[48]
In May 2012, Justin Welby called Wonga.com's high interest rates "shocking" and "usurious". Wonga declined to comment.[49] Welby was the Bishop of Durham and had been an oil company treasurer.[50] In 1992 he had published a booklet, Can Companies Sin? 'Whether', 'How' and 'Who' in Company Accountability.[51]
By July 2013, Welby was Archbishop of Canterbury and had been a member of the Parliamentary Commission on Banking Standards. He announced that he had had a "good conversation" with Errol Damelin and told him that he wanted to see competition, not legislation, put Wonga out of business.[52] According to the BBC the church would help credit unions by providing premises and expertise.[52] However Welby was reported to be furious when the Financial Times pointed out that, despite denying involvement in payday lending, the Church Pension fund invested in venture capitalists Accel Partners which raised funds for Wonga in 2009.[53]
In a November 2013 interview for ITV, Niall Wass defended the firm's practices and challenged critics to "go use the service, see if you think it is fair and transparent, take out £30 for ten days, pay it back after a week, look at the price, tell me if that is fair and transparent."[4]
Wonga sponsored free travel on the London Underground on New Year's Eve in 2010, and posters were put up on the network advertising the website with the slogan "sometimes you need some extra cash". A member of the London Assembly said that it was 'shameful' that the Mayor of London had allowed such sponsorship at a time of year when people are most vulnerable financially.[54] Media Week noted that the deal was "highly criticised" and that Transport for London later banned payday loan companies from sponsoring their services.[55]
In August 2012 the company launched OpenWonga, an online "digital platform that aims to 'inform the debate' around the brand".[56]
In October 2012 Wonga announced that they were sponsoring the football team Newcastle United for £8m a year.[57][58] Several MPs spoke out against the deal and the leader of Newcastle City Council told The Guardian he was "appalled and sickened" that the club had signed a deal with "a legal loan shark"[59] and in July 2013 Papiss Cissé refused to wear the kit,[60] citing religious reasons as a practising Muslim despite "pictures ..of him gambling in a casino".[61] In 2012, Wonga.com sponsored ITV's Red or Black, which received wide criticism.[citation needed]
The Guardian reported, in November 2012, that a computer in the Wonga offices appeared to have been used to remove from the company's Wikipedia page a reference to controversy over its sponsorship of Newcastle United Football Club and to delete the category of "usury" under the See Also section.[62]
On 20 November 2012, British MP Stella Creasy demanded an apology from the company after The Guardian reported that abusive tweets were sent to her by Wonga employees. Further investigation of the Creasy case showed that computers registered to Wonga.com's London office were used to abuse Creasy over Twitter, and delete criticism, as well as the reference to "usury" from Wikipedia's Wonga.com page. Wonga.com admitted that a "junior employee" may have sent the tweets and defended what it regards as its right to correct "inaccurate" Wikipedia articles, though Wikipedia policy on conflict of interest says such edits are "strongly discouraged."[63] Wonga.com later apologised to Creasy and condemned the Twitter comments, saying they were posted without the knowledge of the company and disciplinary action would be taken.[64]
|Wikimedia Commons has media related to Wonga.com.


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Political communications consultant Chris Sautter '78 published an article on Howey Politics Indiana on lessons, winners, and losers from the 2012 election.
Sautter says, "Elections matter: The country would likely be a very different place had Al Gore become president—no war in Iraq and no tax cuts for the wealthy that the country couldn't afford. Obama and Romney gave the country two very different visions. No president can implement it all, but the president provides direction and tone. The same is true for other offices. Joe Donnelly will be a much different senator for Indiana than Richard Mourdock would have been."
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50-at-50: A Chronology Of The 50 Greatest Jordan Moments
At the Michael Jordan statue outside the United Center How do you rank Michael Jordan's career achievement list? The answer: It's nearly impossible. The G.O.A.T., as he's so often referred to (by those who never saw Wilt Chamberlain play) has done so much for the game that ranking his performances simply doesn't do justice to his illustrious career.
Tweet of the Day: Vince Carter
Generally, the ultimate determinant of where a player's legacy is inscribed in the history books is their championship ring count. Obviously not every player to suit up on the hardwood has won a ring, yet we still remember some more than others because of their undeniable talents.
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Awake at all hours, SheridanHoops.com's newest daily feature presents five items from the previous night in the NBA. The NBA announced another bird will make its arrival in New Orleans next season, the Warriors put the Thunder with the rest of the league in double-digit losses, the Nets continued their 180 and strengthened their chokehold on the Atlantic Division under coach P.J., while the Bulls rallied to extend their winning streak over the Pistons. Bob Seger takes us to the bump…"…you're still
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Average customer review: Average customer review 8 out of 10 (7 reviews) Add your review
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Silver Plug Vibrations Vibrating Butt Plug 8 out of 10 (7 reviews) Write your own reviewOrder by:
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Gundam Seed Destiny is the sequel to the old Gundam game, Battle Assault, how did Bandai fare against making their game better? Actually very well indeed. While the game and the basic programming has not changed in total they have done a few tweaks to it to manage to bring in to you a new surge of adrenaline when playing this game. One thing is this game is much faster than the prequel, no waiting screens, no slow text, the Gundams fighting are now much more agile and able than before when you felt you were fighting with a slow block. That's not the only things they've improved.
Graphics :
Graphics have basically stayed the same but yet I feel that they are better mostly because this new game contains a lot more characters than the old one(around double the amount of characters in the prequel), there are more stages and more colorful menu screens, which bring out these games graphics, before it was one dull menu screen, around 10 different Gundams and around 5 different stages, not so very exciting but now they've doubled everything making it more acceptable. Colors have also sharpened slightly if you look at the screen shots side by side of the same Gundams.
Controls :
The controls have remained the same, which in a way is not really a bad thing, but it can sometimes be bothersome with the heavy attack on the shoulders, the thing that has changed with this game is that the Gundams are now faster so that means you feel more control through the Gundam, in Battle Assault the Gundams were unresponsive and full of lag, in Destiny there is none of that Gundams are responsive and faster battles become much more interactive and exciting that way. I still hate the fact with the thrust and block mess up because the controls are so similar that you can mess them up, you might want to block so you quickly hold back to block but then you find yourself thrusting backwards so now you get hit.
Story :
The story is somewhat explained through the fighting mode but at the same time not made clear enough if you watch the series you will get it easily but if you don't you will feel clueless about what is going on in this game, there's not much of any explanation to it but then again fighting games aren't really big on stories are they?
Game Play:
Now this score you may say is low for a game but trust me it's a vast improvement from before although the game is still boring mostly because battles take so long, around five minutes each battle which is annoying when you have to go through story mode with twenty battles, and this game is very repetitive, it's still better it's now faster and more exciting, but still there's more improvement needed. The game still has the useless PSI Armor that does absolutely nothing but keep your colors on and some Gundams don't even turn gray when it runs out. The thrusters now generate slower than before so it becomes more useful to use them smart and now blow them all out for no reason. As a fighting game though this game is not as fun as other titles available on the market, like I said Guilty Gear, King of Fighters, Street Fighters and others totally destroy this game in a fun factor and in general actually for a fighting game, Bandai is going to have to up it one if it wants to compete with these big shots and not rely on the Gundam fan base to keep buying their games.
This game gets boring before you get even half through it that you don't even want to finish it, plus there's a code that allows you to unlock everything so you don't even need to keep collecting points and such, which completely destroys playing the painful game, it's not really fun at all playing the same battles over and over when most Gundams in this game are very similar to each other.
Total :
If your a Gundam fan you might want to check this out other than that don't bother it's not worth it, trust me on that, the game is painfully boring and even with faster moving Gundams and more Gundams and stages it still has very easy to do special moves and basic fighting moves which leaves it as a dull and un entertaining game that pretty much plays like a broken tape recorder,over and over again.
Genre: Action
Publisher: Bandai
Developer: Bandai Entertainment
Release Date: Apr 14, 2006 (JP)
Exclusively on: Game Boy Advance
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Well this is interesting. It's fascinating that Washington's favourite band right now is The Head and the Heart (from Seattle) and Rhode Island's favourite band is Nirvana (from Olympia/Seattle).
Also amusing: Vermont and New Hampshire loving up some Grateful Dead and Phish. Sounds like a grand place to live.
There's some further insights on the original blog post on Music Machinery, for example Tennessee tends to listen to "southern rappers, country, and folk artists" while New England tends to listen to "jam bands, indie and classic rock".
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Versions of the Bell Tree can be found in several cultures and can be traced back before the 6th century in Asia, being used in religious and secular music. The Bell Tree found its way into Western orchestral music with the first use said to be by Hector Berlioz with his Symphonie Funebre. The instrument as it is know today was created in the 1950's by the sound effects expert Carrol Bratman. The sound is now commonplace in many genres of popular music.
See also Mark Tree; Wind chimes; Bar Chimes.
Bell Tree
Photo courtesy of Lark In The Morning


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For example, music class requires the rental or purchase of an instrument, is the non custodial parent required by florida law to help pay for the rental or purchase of the instrument?
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It would depend upon what your agreement says. If there is no agreement, this sort of thing can be calculated into the child support.


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Sweat Lodge Concerns Heat Up
The sweat lodge and tipi in Andrew Soliz's Bluebird Canyon backyard, target of some complaints by nearby neighbors, must meet city building standards or be subject to fines or forced removal, according to city officials.
Soliz says the structures at 932 Meadowlark Dr. are sacred religious buildings and are protected by federal law. Nevertheless, he said he has an appointment with a code enforcement officer on March 2. Code enforcement officer Fred Fix said Wednesday that he's waiting for the go-ahead to inspect the structures.
The problem started last month when Lynda Sharp was baking cookies at her neighbor's house with two 10-year-old girls, who were selling them to passersby. "I looked out the window and there he was, this man urinating in front of the girls," said Sharp, who's lived here for 45 years. "I don't think public urination is acceptable in a neighborhood."
The uninhibited man in question had been participating in a traditional Lakota ceremony in Soliz's backyard where Native American ceremonial leader has built a willow-branch sweat lodge and a 15-foot-high tipi.
Sharp immediately confronted Soliz about the incident and then called police. "I don't care what culture he is; that is not acceptable," she said.
"This has been happening to American Indians for hundreds of years," said Soliz. "I guess it's my turn to fight the fight."
Soliz cites the American Indian Religious Freedom Act of 1978 and the Religious Land Use and Institutionalized Persons Act of 2000 as protection to practice his religion where he chooses. "I don't believe I'm doing anything wrong and I'm willing to stand for that fight," said Soliz, who moved to Laguna Beach from Ojai in 2010. "This is my home and I have the right to practice my spirituality in my home."
Since the visit from police, Soliz said he's dealt with the city building department, zoning enforcement and anonymous letters in his mailbox and on his truck. "The city tells me I have to have a building permit and design review on the most sacred and ancient structures and that their design must meet the approval of a committee as well as pay hundreds of dollars in fees and applications," he wrote to subscribers of his Sacred Ways website newsletter. Soliz said he's going to make sure no one repeats the offending action in his backyard again. "The problem came and went so why are we still being asked to comply?" he said.
Rose Cuny, manager of the Native American Rights Fund in Colorado, said she recommends that owners of traditional Indian structures go through the required city processes and purchase the proper permits. She said she referred Soliz to California Indian Legal Services, but a spokesperson there was unaware of the situation.
Sharp, whose great grandmother was Cherokee, said Soliz is ignoring the culture of his adopted hometown. "If he'd respected the neighborhood, he wouldn't have congregations of 20 to 30 people."
Neighbors are also unhappy over the use of propane gas to heat the sweat lodge rocks, parking problems and the tipi's height. "If we make city codes to keep our city what it is, why should one person feel like he can come in and disrespect the city codes?" Sharp asked.
John Montgomery, the city's chief of community development, said the sweat lodge and tipi are allowable but subject to design review and required building permits. "We're starting up code enforcement," he said.
Montgomery foresees more complaints from neighbors. "You have to comply with the design review criteria that's listed in our ordinances, and one of the criteria is neighborhood compatibility," he said. "I'm sure we'll get testimony about that issue." Montgomery added that personal liability was solely Soliz's and not the city's.
Walter Rening, an immediate neighbor of Soliz and a retired city fire captain, said he and his son, Steve, a current city fire captain, have no problem with the sweat lodge. His greater concern, he said, are parties in the neighborhood and drivers who have been drinking.
"They've allowed my grandson, who's 13, to come and see inside the tipi," added Carol Ann Marchant, Rening's caregiver. "I want my grandson to know all the cultures of the world. I consider it a privilege that Andrew takes time to educate children. It's amazing."
Charlie Brokaw, another nearby neighbor in Bluebird Canyon said he's found the sweat lodge activities peaceful. "It's much less intrusive than the concerts in the park in the summer," he said.
Backyard Spirits Sweat It Out
There were 30 people sitting knee-to-knee in the pitch black and still cool confines of the sweat lodge; three tight faceless rows of knobby knees, sharp elbows and knotted strings of hands and feet searching for a noninvasive place to land.
The rows circled a small, perfectly round pit soon destined to be the steamy power center of an intense traditional Lakota-Indian purification ceremony.
White-hot rocks were handed through the slit of the tent's opening by anonymous arms with a hand shovel. The desert stones were loaded into the pit by the ceremony's facilitator, his dark brown hair pulled back in a loose ponytail, while he recited Native American prayers to the four directions.
In four rounds over the next two hours, temperatures rose to sauna levels as water was poured on the hot coals. The softly enunciated, other-worldly sounds of medicine songs echoed through the steam. Each participant, under secure cover of darkness, took a turn disclosing their pain and their prayers for their lives and the world. A cool sea breeze wafting just outside the tightly fitted canvas was all anyone wanted.
The idea of a sweat lodge is to heat the tent to stimulate massive amounts of sweat that cleanse the body and release emotions, if need be. And, in Lakota tradition, to dispel any demons of mind and spirit; a purification intended to maintain a healthy body and happy mental state.
The unique aspect of this sweat lodge is that it stands smack dab in the middle of Andrew Soliz's backyard in Bluebird Canyon, in full view of a couple of his neighbors who have done a bit of their own lodging, as in complaints to the city.
Soliz, a descendant of the pueblo-dwelling Acoma American Indians and Mayan ancestry, was officially adopted into two Lakota families seven years ago. He wears the scars of "compassionate suffering" of the sun dancer in honor and respect of women, as is the tradition of all Native American cultures.
Native Indian sweat lodges are considered an analogy for the womb, thus the idea of reconnecting with the mother earth. For me, the second sweat lodge I had participated in at Soliz's and Carrie Washburn's Meadowlark Drive home, the heat proved too much. At the third round, it suddenly felt like a ball of fire ignited deep in my womb and instantly shot to the crown of my head, the mother of all hot flashes. My time to exit.
I informed Soliz of my need to flee. As I passed him, heading straight for the tent's door, he gently said, "You've gotten what you needed."
He later told me that a sweat lodge is not a competition. "People need to learn to take care of themselves in this world and have the courage to say, 'I've had enough,' or 'I need help,'" he said. "That's how people learn. We teach compassion; it's not a contest."
The grass was wet and cool from the previous evening's rain. I stretched out in my t-shirt and sarong, like a human "X" branded on the ground, while my body's sizzle fizzled. My friend entered the sweat lodge worn out from a desert trip gone cold and wind-blown, stayed for the duration and came out looking like a freshly washed babe, skin shining, eyes glowing, spirits lifted.
A man who followed my earlier exit, went straight to the yard's fence, opened his zipper and let it fly. He said he just couldn't hold it any longer. The problem was that another man repeated this Mediterranean-style of unabashed urination the next day during the all-male sweat lodge. This time, his action caught the eye and the ire of a neighbor, and police were called.
That's when the heat really turned up. The Jan. 29 report was forwarded to the city's code enforcement department and enforcers made contact.
Soliz said people tend to fear first before they understand. "My neighbors have parties, they have people come over for barbeques, for the Super Bowl. They're way louder than we are," he said. "They park all over the streets and they drive home drunk. We don't."
Still, some have abused the practice. In 2011, self-help celebrity James Arthur Ray was sentenced to three years in prison for the deaths of three people during a sweat lodge he conducted two years earlier in Sedona, Ariz. Ray charged $9,695 for the five-day spiritual retreat. Participants said they fasted, lacked sleep and felt intimidated.
Soliz said Ray was not an official Native American sweat lodge leader. "Everything he could do wrong he did," commented Soliz, who's facilitated ceremonies across the U.S. for the last 12 years. "In our way, you have to have been a sun dancer for at least four years before you can lead sweat lodges."
Soliz said his ceremonies are considered religious practices and he doesn't require a fee. He said he will wait to see what the city brings to the peace talks.
"The life and ceremonies of our people were taken away from us out of fear and as a way to control the Native people. The Sweat Lodge, Sun Dance, Vision Quest, possessing sacred items like the sacred pipe or eagle feathers were all reasons to be fined and or put in prison," he stated. "However, there were those who carried on the teachings and ceremonies in secret. They fought for our rights, many died and there are those who are still in prison. All of our ceremonies were against the law in the United States until 1978, when Congress passed the Native American Freedom of Religion Act.
"Our people have fought this fight for hundreds of years and I am not going to stop now. In the mean time we will continue to hold ceremony."


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Is Mitt Romney Thurston Howell III From Gilligan's Island? -
I just watched and listened to Bill Whittle on PJ Media in a Nov. 12th segment called "Cannibals."http://www.pjtv.com/?cmd=mpg&mpid=56In it, Mr. Whittle brought out a fact (at the 4:36 mark of the video) that millions of conservative peopledonot bother to vote each year because they do not want to be called to jury duty.I was shocked by this but not really surprised.
This is what is really behind the "undecided vote," with probably a similar group ofnon-registeredDemocrats, but I suspect the Democrat group is smaller.These people were undecided as to whether they would participate inthe working of a Republic and/or a Democracy.When people have no sense of history, even if they arenominally conservative,they thinkthatthe anonymous "They"will fix things.
This also often includes the rationalization thatObama and the Democrats will be so bad that other voters willrise up the next time - a future tomorrow - to set things right. These apathetic citizensthen rationalizethe "cavalry riding to the rescue," just like in the movies. The obvious flaw in their thinking is that since thoserationalizers haven't signed up for the military or politicalversion of thecavalry, that cavalry will be significantly smallerthen they imagined it would be.
Romney wound up with three million less votes thanJohn McCain did but storm ravaged New York, New Jersey and Connecticut- three densely populated areas - probably played a part in that. Still, given four years of population growth - and older voters dying in that time - played a part in explaining the shortfall.As for the professionalsin theRepublican Party, they acted as ifgetting the nomination without Tea Party support was justlike being elected a fraternity president. The problem with this attitude is, in the general election, non-insiders such as non-fraternity members and the non-college students vote as well.
And Romney's pride in getting the Republican nomination without Tea Partyvoters extended to an assumption he couldwin the general election without overcoming the apathyof not gettingsome millions of non-registered conservatives.But then again, why would those non-registeredconservativesbother to register if Romney disdained their more active neighbors in the Tea Party movement? In this respect, the Democrats were right in saying Romneycouldn't or wouldn't connect with the average person.
Read More Here About Why Mitt Romney Lost


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Before & After> Gustafson Guthrie Nichol Imagines a Pedestrian-Friendly Seattle
Wednesday, April 16, 2014
The Editors.
The streets of downtown Seattle are set for a major overhaul, thanks to a new masterplan by Gustafson Guthrie Nichol. As AN reported in our recent West Coast edition, the Seattle-based firm has made recommendations to improve the pedestrian realm "centers on uniting the fragmented parts of the Pike-Pine corridor, two major thoroughfares at the heart of the retail core running east-west from Interstate 5 to the waterfront."
Check out their dramatic proposed transformations overlayed on Seattle's existing streetscape for a better look at how pedestrians and cyclists will fare under the plan.
SHFT+ALT+DEL: April 27
Friday, April 27, 2012
The Editors.
John Gourlay is tapped to be executive publisher of Metropolis magazine. Gourlay's previous magazine publishing creds include Harvard Business Review, Foreign Affairs, Utne Reader, Audubon, and American Craft.
SB Architects appoints Emilio Perez as head of its Miami office. Specializing in hospitality and mixed-use projects, Perez worked with Gensler, Portman Associates, Cap Cana Resorts, and Royal Caribbean before joining SB.
Barry Bergdoll, the Philip Johnson Chief Curator of Architecture and Design at MoMA, has been elected to the 2012 class of the American Academy of Arts and Sciences. Read More
Advertise on The Architect's Newspaper.
East Coast
West Coast


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0 plays
Feelin' Alright
20th Century Masters: The Millennium Collection: Best Of Joe Cocker
dancin times. groovin out.
0 plays
Feelin' Alright
20th Century Masters: The Millennium Collection: Best Of Joe Cocker
dancin times. groovin out.
0 plays
Warm Water
Warm Water - Single
I'll tell you all the things I know you wanna hear.
0 plays
Blak And Blu
Blak And Blu
deep hues and grooves.
0 plays
Worry Walks Beside Me
Home Again
Le sigh. 2nd quarter done. Gratitude for this album.
0 plays
Can I Kick It?
People's Instinctive Travels And Paths Of Rhythm
This goes out to a certain friend of mine who's day of birth is today. Thank you for introducing me to Tribe oh so many years ago :) love you dude.
1,735 plays
So Good At Being In Trouble
Unknown Mortal Orchestra - "So Good At Being In Trouble"
One of my favorite tracks of 2013 is from the sophomore effort by Unknown Mortal Orchestra which, by the way, has some of the grooviest bass lines I've ever heard. I never would have imagined that psych rock could be so soulful.
10 plays
This Must Be The Place (Naive Melody) (Bonus Track)
The Lumineers
Cover love. Talking Heads in a folky way.
0 plays
With A Little Help From My Friends
20th Century Masters: The Millennium Collection: Best Of Joe Cocker
to friends past. present. and future.
0 plays
American Stitches
The Animal
really beautiful song. a calm sea.
0 plays
Everybody Wants To Rule The World
The Hunger Games: Catching Fire
ah covers. so good. yeah it's from the Hunger Games soundtrack. werrk.
0 plays
Empire Ants
Plastic Beach
Yes. This song is so good. Thank you Virginia <3
Here's to the last week of the first quarter of grad school. WOO!
0 plays
You've Got the Love (remix)
and welcome back. mad props to Jamie xx. He's pretty great. and so is this track.
1,279 plays
Your Drums, Your Love
Bout time I picked this up again… Heart jamz for v day
AlunaGeorge - "Your Drums, Your Love"
Baby, all along, I been holding to the promise that you need some time.
0 plays
Work To Do
Impressions - The Covers EP
everybody's got work to do.
0 plays
Happy to You
i didn't wanna wake up, then i felt your touch.


text: Taking yourself to the next level, reaching desired goals, and building a win-focused work ethic is what Optimum Fitness is all about. We pride ourselves in providing the best in personal fitness and Sports Performance. We create a positive atmosphere and truly believe that once the mind is motivated and has made a decision, the body will follow. Our staff shares the same mindset and will provide a very knowledgeable program that will guarantee you to succeed! - Jeff Boulos BS, CSCSRead More


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we're both asian, we're both wearing lehigh sweatshirts. as a result, we are both so disgusting."—My Twitter. Yeah, I have one — suck it.
Distinguished author, humanitarian and educator Dr. Eliezer "Elie" Wiesel will speak to the graduating class of 2010 at Lehigh's 142nd commencement ceremony on May 24.
Wiesel, 81, is best known for his memoir "Night," which documented his harrowing experiences as a young Jewish prisoner in Auschwitz and Buchenwald concentration camps during World War II. Since the book's original U.S. publication in 1960, it has been an international best-seller and is widely regarded as a defining work of Holocaust literature.
In addition to authoring more than 50 books, Wiesel is known equally as an activist and philanthropist, dedicating much of his life to fighting against violence and oppression. His humanitarian work reached its zenith in 1986, when he was awarded the Nobel Peace Prize for being a "messenger to mankind." Wiesel has also received the Congressional Gold Medal and the Presidential Medal of Freedom, among many other honors.
President Alice Gast selected Wiesel to speak at the university's commencement because she was looking for someone "who would be an inspiration to the students."
"He's someone with a message who can speak to students as they're thinking about their lives ahead of them and what they're doing after they graduate," Gast said. "Of course, Dr. Wiesel has done so much in his life and taken his experiences and really moved them toward a positive good. He's a tremendous person to bring in for all of us to hear."
Gast selected Wiesel from a variety of speakers chosen by the Commencement Speakers Nomination Committee, which is made up of students and faculty.
Gast said Wiesel's advocacy of hope and peace made him an appealing choice not just for graduating students, but for their families as well.
"[Wiesel's] message of working toward justice and giving yourself up for society is important and will be something to remember," she said. "I just think it's a wonderful opportunity when it's somebody who's made such an example of his own life to inspire people."
The commencement committee will spearhead a series of academic forums and seminars later this spring designed to highlight Wiesel's work for students prior to his speech. Gast urges students to attend.
"When a speaker comes, it's a very short period of time and you have this moment in time to listen to them and experience them," she said. "If you prepare yourself [and attend] these discussions, that small moment is all the more meaningful."
Wiesel is the Andrew W. Mellon Professor in the Humanities at Boston University. He holds more than 120 honorary degrees from institutions of higher learning in the United States, Europe and Israel, according to a Lehigh press release."—
I'm so jealous — Night is one of my favorite literary pieces. I kind of want to read it again.
-Club Affairs meeting for Student Senate
-OL interview
-Dinner with rushes
-Eat grapes
-Swim laps (Goal: One mile)
-Eat lemon squares to counter all of my swimming.
-Eat my feelings
-Pass out
I regret not going into the City once this break. Kind of ashamed at myself about that.
The last surviving member of a group who helped to shelter Anne Frank and her family from the Nazis in Amsterdam died last night.
Miep Gies, the woman who rescued Anne's diary after the family was arrested in 1944, died at a Dutch nursing home aged 100 after suffering a fall.
Mrs Gies and several other employees of Anne's father provided food and other necessities to the Jewish family while they hid in a concealed apartment.
During the Nazi occupation of the Netherlands she had spent 25 months in hiding with her sister, parents, and four other Jewish people in the attic above her father's office.
Their hide-out was raided on August 4, 1944, and they were sent to concentration camps. Anne Frank died of typhus in Bergen-Belsen concentration camp in March 1945, aged 15. Only Anne's father, Otto, survived. Mrs Gies, who found the diary, gave it to the girl's father.
The Diary of Anne Frank, the poignant journal in which the Jewish teenager chronicled her days in the attic, was published in 1947.
Mrs Gies became an ambassador for the diary, travelling to talk about Anne and campaigning against Holocaust denial. Speaking last year as she celebrated her 100th birthday, Mrs Gies played down her role, saying others had done far more to protect Jews in the Netherlands.
Ask me anything.
pity this busy monster, manunkind,
not. Progress is a comfortable disease:
your victim (death and life safely beyond)
plays with the bigness of his littleness
—- electrons deify one razorblade
into a mountainrange; lenses extend
unwish through curving wherewhen till unwish
returns on its unself.
A world of made
is not a world of born —- pity poor flesh
and trees, poor stars and stones, but never this
fine specimen of hypermagical
ultraomnipotence. We doctors know
a hopeless case if —- listen: there's a hell
of a good universe next door; let's go
-e.e. cummings
How quiet it is at three in the AM
Simmering in the suburbs
When nothing LOUD happens
And almost all is still.
How loud it is at three in the PM
Halfway round the world
When souls are bustling on
How different the world is
When the difference is TWELVE hours
A contrast between
The words spoken in a dream caused by
The rapid movement of eyes while
A s l e e p .
Currently using a PC — I am so not used to this right now, haha.
I'm at Lehigh for the day because I just had a meeting regarding a possible internship for this upcoming semester. Fingers crossed! Speaking of internships, my search for something over the summer is still ongoing and frustrating. Rewrites of my resume and cover letters are getting to be a little bit tiring, but I have to keep reminding myself that it's worth it.


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Fantasy football bust or trust -- Arian Foster, RB, Texans
Debate heats up over No. 2 pick
Published: Aug 05, 2013
» Get updates via Sportsmail
Get our 2013 fantasy football Draft Kit, position rankings, player projections and more by joining Fantasy Source Football!
Where would you take Texans RB Arian Foster in 2013 fantasy football drafts?
What once was a closed discussion -- Foster was accepted at No. 2 behind Minnesota's Adrian Peterson -- has become an open debate. A right calf strain has kept Foster on the PUP list throughout training camp, and with each passing day, owners are exploring more options at No. 2 overall, including Marshawn Lynch, Ray Rice, etc.
Is that the right course of action? Let's take a closer look:
Reasons to trust: Foster doesn't have to apologize to anybody considering he's the only running back who has finished in the top five in fantasy points each of the past three seasons. Peterson and Lynch have been top-five backs two of the last three years. Foster is younger than both of those guys.
Foster's credentials don't stop there. He's the only back with more than 40 TDs the last three years. Peterson and Foster are the only backs with more than 4,000 yards in that same stretch.
The difference is Foster, unlike Peterson and Lynch, stays involved in the passing game. Foster has 159 receptions the last three seasons; Peterson and Lynch have 167 catches combined. Peterson is the league's best back, and Lynch might be the most-trusted workhorse. Foster, however, is the most complete back.
Reasons to bust: Complete, yes, but also overused. Foster is the only running back who has logged 956 carries since 2010, and the only back with more than 900 in that time. Don't forget about his 159 catches in that stretch. Combine those two numbers, and you get 1,105 total touches.
That is too much wear and tear, especially in the face of the "Curse of 370." The Texans are a playoff regular now, so they don't necessarily have to overwork Foster in the regular season. A healthy Ben Tate could handle more responsibilities as a result.
Draft-day outlook: Foster fell to No. 3 in our latest experts' mock draft. The owner who passed on Foster is an outspoken critic and backed up his talk by taking Lynch second overall.
Owners might be playing a little too much of a guessing game with Foster's eventual decline. He's still the lead back on a team that ranks third in rushing TDs, third in rushing attempts and sixth in rushing yards since 2009. "Zone read" is always fantasy-friendly, and so is the AFC South. Foster averages 97.9 rushing yards per game with 16 rushing TDs in 18 career games against division opponents.
Trust Foster, but treat him and Tate as a team. If you grab Foster in the first round, make sure to grab Tate as the handcuff. Owners who pull that off won't be disappointed with the results.
Dominate your fantasy football leagues with Fantasy Source Football!


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Ever since I destroyed my brand new J.Crew messenger bag with a fountain pen, I've been anti ink. Trying to rid myself of pen and paper has been super simple, and it's a lot faster since I don't have to deal with postage or fax machines anymore. My life is awesome.
So here's what I do.
First, you'll need to download UPAD. I've tried the other alternatives and there's no other app that comes close to the speed and functionality of this app.
Second, pick up a Pogo Sketch Stylus. This is the stylus sold by Apple, but they don't have it on the floor. You'll have to ask someone to go get you one in the back, or just order it online.
You can use UPAD to fill out job applications, HR forms for when you get hired (because your prospective employer will be blown away by your technological prowess on the job app), and for the stack of papers handed to you in meetings. I just always ask for the PDFs when I get the email scheduling the meeting.
Here's a couple of examples of the stuff I do in UPAD.
Sermon Notes
Fill out forms:
So sad.
Hotch came in too late to save Haley, but he was able to kill Foyette and save his son.
http://blog.makezine.com/ (make has like 5 feeds that are money)
I use this stylus with my iPad:
I use UPAD to write on PDFs, fill out forms, and take notes:
Genius Scan is great for sending faxes via email and scanning receipts:
I use Evernote to store my receipts and Upad Notes. Evernote can search your pictures for words. It even works on handwriting:
I use Wunderlist as a task manager. You can share to do lists with your team. It's free and has push notifications!
I haven't tried this app out but Easy Release looks like a great way to keep all your photo release forms in one place and subjects can fill out the form right on your iPad:


text:
Andrew McCutchen Contract News
By: Mike Vukovcan May 10, 2011 4:33 PM
Pirates CentralShop for Pirates Gear
Buy Pirates Tickets
MLB Scoreboard
MLB Standings
Team STATS
Team Schedule
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Keep up with your favorite teams and athletes with daily updates.Sign Up
Pittsburgh (KDKA)- Jon Heyman of Sports Illustrated has an update on the contract talks with the Pirates and Andrew McCutchen.
Last week Dejan Kovacevic of the Pittsburgh Post-Gazette reported last week that the Pirates and McCutchen began preliminary contract extension talks.
Today, Heyman is reporting that the Pirates are talking to McCutchen about an extension but the team is insisting on a minimum of a 5-year deal.
A five year extension would buy out McCutchen's first year of free agency. The Pirates would then McCutchen, Neil Walker, Pedro Alvarez and Jose Tabata all under contract through the 2016 season.


text:
Karla Kelsey reviews
the L notebook
by Sabine Macher
As temperatures hover in the upper 80s, summertime's fantasy of ease takes over, gives rise to a self that, in lieu of work, throws on flip-flops and a swimsuit and heads to the pool. This...[more]
Ray McDaniel reviews
End of the Sentimental Journey: A Mystery Poem
by Sarah Vap
I am old, I leave the house less and less, I don't go to as many poetry readings as I used to. But I read a lot of poetry—as a reader might hope a reviewer would. But readers of poetry reviews,...[more]
Sueyeun Juliette Lee reviews
Things To Do With Your Mouth
by Divya Victor
Recently released by Les Figues press, Divya Victor's Things To Do With Your Mouth examines hysteria and psychoanalytic theory, exploring how bodies are fragmented, dismembered, and silenced when...[more]
Ray McDaniel reviews
The Self Unstable
by Elisa Gabbert
Although The Self Unstable is her third book, Elisa Gabbert's dominant mode of publication is the tweet, of which she is queen. As of circa right this moment, she has composed almost 45,000 of them,...[more]
Stephen Motika reviews
Orange Roses
by Lucy Ives
I started reading Lucy Ives's Orange Roses in the local library; I enjoyed the architecture of the building, the clerestory, but the screaming children did me in. As I walked out, I thought about the...[more]


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6G Pipe Welder in Freeport, Texas
Large chemical company located in Freeport, TX is seeking 6 G Welders for long term work, a minimum of 12 months.
The two required test that a Pipe Welder must pass as part of the Gate test are as follows:
1-1-B-1 = 2" schedule .80 pipe in a 6G position. ...
Oct 29 -
Louisville - Construction & trades
Mig Welder and Forklift Operator Louisville, KY
Job Description Kelly Services is looking for an individual with forklift as well as MIG welding experience for a manufacturer in the Louisville area. This is a 1st shift opportunity with hours from 6am--2:30pm Monday-Friday. Pay for this position is $11.00/hour initially ...
Oct 28 -
Louisville - Everything else
Industrial Maintenance Techincian
Maintenance Technician Crown Services is currently looking for qualified candidates to fill an open maintenance technician positions. Job Functions / Responsibilities • Perform PM, troubleshooting, breakdown and repair of industrial production equipment. • Perform ...
Oct 23 -
Louisville - Everything else
Trillium Construction Services is currently seeking Journeyman MIG Welders in Louisville, KY! Trillium Construction Services, a national leader in skilled trades staffing, is looking for experienced full-time MIG Welders for a local fabrication shop! 1st and 2nd shift ...
Oct 17 -
Louisville - Construction & trades
Mig welder/Fabrication, Torch Hand experience. Nature of WorkDuration: Full Time, RegularNormal Work Days: Monday, Tuesday, Wednesday, Thursday, Friday Working Hour per Week: 40 hour(s) Normal Work Shifts: First (Day) Overtime work might be required. Job Requirements ...
Oct 8 -
Ghent - Everything else
Mig Welder - Shepherdsville, KY
Seeking Experienced 1st shift MIG Welders Immediatley
Must have 5 years experience
Must be able to read a tape measure
Good work ethic
Work well with others
HS Diploma
Driver Licenses
Must be able to work independently
Very strict on attendance ; no missed ...
Sep 25 -
Louisville - Construction & trades
Experienced Journeyman IronWorkers
Seeking experienced structual ironworkers for an industrial job site in KENTUCKY.
Salary $21.00 per hr. Approx. 60 hrs per week for 3 months
Free Lodging + $20 a day per diem
A verifiable past reference of your experience is required when you apply for this position.
Sep 24 -
Louisville - Construction & trades
TIG Welder
We are accepting resumes for experienced Tig Welders with good work history. Interviews will be scheduled.
We are recruiting for a local Central Louisville, Ky company for these temp-to-hire openings.
Pay ranges from $18-$20Hr.
Send your resume or bring it with you to:
Sep 19 -
Louisville - General labor
Duties and Responsibilities:
The Assembler is responsible for reading prints and using various manufacturing equipment, hand and air/power tools to build and attach various parts, materials and equipment to custom trailers according to Customer Specifications. ...
Sep 15 -
Louisville - Everything else
Address:7201 Logistics Drive, Louisville, KY 40258
Job Type:Full-time
Under limited supervision, will be welding and joining materials together in a Manufacturing Environment. Will assemble products, utilizing knowledge of working characteristics of metallic ...
Under limited supervision, will be welding and joining materials together in a Manufacturing Environment. Will assemble products, utilizing knowledge of working characteristics of metallic materials, and layout techniques, using hand tools, machines, and equipment using ...
CWI - Certified Welding Inspector
Looking for a certified welding inspector to train and assist in certifying welders at local welding school.
Knight School of Welding
Louisville, KY
Sep 11 -
Louisville - Construction & trades
Experienced Welder
Rapidly growing manufacturing company seeks experienced welder with stainless steel tank fit-up and fabrication experience
Must be experienced in MIG/TIG on 304/316 stainless
Position involves manufacturing to internal drawings in Carbon Steel, Stainless and Titanium. ...
Sep 8 -
Louisville - Construction & trades
Combo Welder
Combo Pipe Welders needed in Ghent, KY.
Welders must be able to pass weld test: 6" schedule 40 carbon steel pipe in 6g position - 6010/7018 out.
Starting pay $21/hour based on interview and skills testing.
Contact our recruiting department at 1-800-501-1315, ext. ...
Sep 4 -
Ghent - Construction & trades
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text:
U.S. Sen. Marco Rubio praised the virtues of small businesses and free enterprise during a campaign rally for Mitt Romney on Tuesday in Henderson, emphasizing a choice voters will make between two visions for the economy in the upcoming November elections.
A day after Ann Romney rallied her husband's supporters at the Henderson Convention Center, Rubio, R-Fla., addressed a crowd of several hundred people in a ballroom at the Green Valley Ranch casino.
During his half-hour speech, Rubio, who spent part of his childhood in Las Vegas, focused mainly on the economy, criticizing President Barack Obama and telling the crowd "We can do better."
"I know times are tough and they're not getting better fast enough," Rubio said. "I'm telling you, it doesn't have to be this way. We're just a few important decisions away from turning this thing around."
Wearing a light-blue shirt and black pants, Rubio made a personal appeal to the older, mostly white crowd, drawing on the background of his parents, who immigrated to the United States from Cuba. His father spent time as a bartender at Sam's Town casino, while his mother was a maid at the Imperial Palace.
"We never had everything we wanted, but we always had everything we needed," he said. "We had the most important thing a parent can give a child, a strong and stable family that encouraged us to dream and supported us in the pursuit of those dreams."
Rubio, who has championed his own version of the Dream Act, made only a passing reference to immigration issues, but he did make a brief statement in Spanish toward the end of his speech.
Instead, he focused on the economy, praising the perseverance of people who saved their money and dedicated themselves to starting small businesses and creating jobs.
He said the Obama administration has made it difficult to do business through high taxes and overly burdensome regulation, and that Romney, who was mentioned by name only a few times during the speech, would turn the economy around by repealing the Affordable Care Act, simplifying the tax code and reducing regulations.
"Our problem is our government and it starts at the top. The president doesn't understand free enterprise and he doesn't believe in free enterprise," he said.
Rubio was introduced by Rep. Joe Heck, congressional candidate Danny Tarkanian and Matt Romney, a son of Mitt Romney. Throughout the event, the speakers emphasized the need for supporters to continue their efforts to reach out -- through phone calls, canvassing or conversations with their neighbors -- to spread the word about Romney.
"This election is going to be very close," Rubio said. "Everybody in this room knows somebody who isn't going to go vote unless you get them to vote."
Las Vegas resident Daniel Schneider said Tuesday was the first campaign event he's attended all year and that he's still undecided on whom he will vote for.
Schneider said he liked Rubio's focus on small business -- Schneider dreams of one day running his own business -- but he's going to watch the debates and listen to both sides before deciding whom to cast his vote for.
"I've got friends who own businesses, and it's been very difficult for them," over the past few years, Schneider said.
Mike Tracey, who said he's definitely voting for Romney, was drawn to Tuesday's event by Rubio, who he described as a "rising star" in the Republican Party.
"(Rubio) was all about free enterprise," Tracey said. "He was attacking Barack Obama's methods that don't work without attacking him personally."
Tuesday was the Florida junior senator's second campaign appearance in Southern Nevada on Romney's behalf. Rubio also appeared in July at C.C. Ronnow Elementary School for a Romney rally.
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Rubio Talks Free Enterprise in Romney Rally
Conor Shine
U.S. Sen. Marco Rubio praised the virtues of small businesses and free enterprise during a campaign rally for Mitt Romney on Tuesday in Henderson, emphasizing a choice voters will make between two visions for the economy in the upcoming November elections.
Source: (c)2012 the Las Vegas Sun (Las Vegas, Nev.). Distributed by MCT Information Services


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not be explained by differences in the desire to receive such therapies (Gifford et al., 2002). Blacks, Hispanics, women, the uninsured, and Medicaid beneficiaries also had less favorable patterns of use of hospitals, emergency departments, and ambulatory office or clinic settings (Shapiro et al., 1999). Patients in rural areas were also less likely to receive antiretroviral therapy (Cohn et al., 2001).
Additional compelling evidence supporting the hypothesis that improved financing of HIV care would reduce disparities in access is offered in the recent study using HCSUS data conducted by Bhattacharya and Goldman (2003). Data from this study show that patients with public health insurance (Medicaid) have much lower death rates than uninsured patients (controlling for severity illness). The authors estimate that expanding public insurance coverage for HIV/AIDS patients could reduce HIV/AIDS-related deaths among the uninsured up to 66 percent. The researchers also found that states with Medicaid programs with less restrictive eligibility rules and more generous drug coverage had significantly lower death rates than states with more restrictive eligibility rules and less generous drug coverage.
Demographic variables and comorbidities also play an important role in accessing HAART. Additional HCSUS analyses found that women, blacks, those with less education, and injection drug users were least likely to have received early access to HAART (Andersen, 2000). The results of a study of service claims data from four states (California, New York, Florida, and Texas) supports racial and ethnic differentials found in the HCSUS study. Significant racial/ethnic disparities were found in the reduction of AIDS-related mortality and in reduction of AIDS-related mortality by state. AIDS-related mortality was reduced by 64 percent in California compared with 52 percent in Texas (Morin et al., 2002). Mortality reductions for Latinos and African Americans were found to be lower than for non-Latino whites. These disparities were associated in part with policy barriers, such as limits on Medicaid eligibility based on disability requirements and state-imposed income and benefit limits on ADAP, as well as social barriers (HIV-related stigma).
Marcus and colleagues (2000) analyzed HCSUS data to assess access to dental services. He found that perceived unmet need was greatest among those on Medicaid in states that did not provide dental coverage through the Medicaid program, and for others lacking dental insurance. Persons with low incomes (under $5,000) and those with less than a high school education also had higher odds of having perceived unmet needs (Marcus et al., 2000).
Case management services have been found to support individuals' access to care. Katz et al. (2000) found a high level of unmet need for supportive services among persons in care. Unmet need was significantly higher among nonwhites and persons with less education. Those with a


text:
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Four USB 2.0 High-Speed ports with data rates up to 480Mbps
Small enough to keep on the desk ,Build in USB Cable So Easy for Carry or Travel( does not require an AC adapter )
Easy add 4 High Speed USB Ports for Laptop , Ultrabook and Desktop
Useful 4 ports USB 2.0 support hot-swap, plug and play, Hot-Swapping Ready for Windows & Mac & Linux
No need driver to support Mac,Windows 8,7, Vista, XP, 2000, Linux Compatible
Smart Interactive
ORICO W5PH4-U2 Ultra Mini Bus Powered 4 Port USB2.0 HUB Achieved with Fully-Integrated Low-Power VIL USB 2.0 Controller and build in USB2.0 Cable allow to add 4 Lightning Speed USB 2.0 Ports for your Computer Easily and Connect up to 4 USB Device through a Single USB Host . Plug and Play Compatible , No Additional Power Adapter or Driver is needed .Slim Size Allow Slip in to your Pocket or Bag Smoothly, Offer an Easy Connection with any USB2.0 , USB1.1 or USB1.0 Devices and any USB Host of Windows , Macintosh or Linux Computer , USB2.0 High-Throughput Ports offer Transfer Rates Up To 480Mbps . If you are Running out of USB Ports wanna add some USB Ports for your Computer , ORICO W5PH4-U2 will be an Key Solution for you.
ORICO W5PH4-U2 USB hub support Windows 98SE, ME, 2000, 2003, XP, VISTA, Window 7, Mac OS 9.X or above, Linux 2.4.x or above
Safety Certificate
CE and FCC Appproval
What's in the Box
1 x 4 Ports USB Hub
1 x User Manual
1 x Warranty Card
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This review is from: ORICO W5PH4-U2 USB 2.0 4-Port Ultra Mini Hub for Ultra Book, MacBook Air, Windows 8 Tablet PC - Black
Pros: Works exactly as described.
Cons: Pull out tray for cloning tricky but seems durable and works.
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text:
AAS use is one of the few types of substance use where a diagnosis
is often suggested simply by looking at the patient as he walks
through the door (Pope and Kanayama 2005). As we have
described elsewhere (Kouri et al. 1995), there is a fairly
sharp upper limit of muscularity that can be achieved by a lean
individual without the help of drugs. We have published a formula
to calculate muscularity, expressed as the fat-free mass index (FFMI),
which clinicians can apply if they know the height, weight, and
approximate percentage of body fat of the patient (Kouri et al. 1995). Men who have low body fat and display an FFMI
of greater than approximately 26 kg/m2 are
almost certainly using drugs that help them to achieve their size.
We have published photographs comparing bodybuilders who have used
AAS with those who have not to aid the clinician in making this
distinction (Pope and Brower 2004). Clinicians who
suspect AAS use in any patient should follow several guidelines,
described in the following section, to take a specific history.
Subscribe Now/Learn More
PsychiatryOnline subscription options offer access to the
DSM-5 library, books,
journals, CME, and patient resources. This all-in-one virtual library provides psychiatrists
and mental health professionals with key resources for diagnosis, treatment, research,
and professional development.
Need more help? PsychiatryOnline Customer Service may be reached by emailing firstname.lastname@example.com
or by calling 800-368-5777 (in the U.S.) or 703-907-7322 (outside the U.S.).
Blood work
Muscle enzymes
ALT, AST, LDH and
Liver function
and total bilirubin
HDL-C, LDL-C, or
no change in total cholesterol and triglycerides
Testosterone and
estradiol (with use of testosterone esters); testosterone (without
use of testosterone esters or during withdrawal); LH
and FSH
Complete blood count
RBC count, hemoglobin
and hematocrit
Urine testing
Other drugs
of abuse
May be positive
Cardiac testing
Left ventricular hypertrophy (seen in intensive weight
trainers also)
Impaired diastolic function
Semen analysis
Sperm count
and motility, abnormal morphology
ALT = alanine aminotransferase, AST = aspartate
aminotransferase, CK = creatine kinase, FSH = follicle
stimulating hormone, GGT = -glutamyltransferase,
HDL-C = high-density lipoprotein cholesterol, LDH = lactate
dehydrogenase, LDL-C = low-density lipoprotein cholesterol,
LH = luteinizing hormone, RBC = red blood cell.


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Trick or Treat Giveaway!HAPPY HALLOWEEN EVERYONE! To celebrate this spooky holiday I thought I'd have a giveaway Not very spooky but actually the thought ofmissing out on points could be scary! ha..ha. Anyway heres the info. Read it all before commenting There are 10 trick or treat bags some are treats () some are tricks (nothing ) I'll draw 5 numbers. If you picked the right bag you get the treat! if you picked the wrong bag. TRICKS ON YOU! (and obviously if I draw you and someone's already picked your bag I'll pick someone else. Sorry first come first serve)HAVE FUN RULES: Must Watch me
[Winners anounced] Last Halloween Raffle #4tatatararaaaaammm KimikoSakura HaiKoneko Congratulations guys <3 please have patience and wait the note! - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -Hi hi! As some of you know, me and Aaeruu was hosting in the last weeks halloween raffles!It's the last week now, so try not to miss it ;3Previous raffles:• Halloween Themed Raffle!! (Winners Announced)• [Winners Announced!] Halloween
Free drawing 3 days leftHi!Ok, I wanna make a raffle for you the prize is free head drawing like this one so pretty cool, eh?I will choose the winner using random number generator http://sh.st/y8vYk on 1st of November.Rules:1. You need to be my watcher.2. You need to fave this journal (You'll get a number, which I will use to determine the winner, via http://sh.st/y8vYk3. You need to link this giveaway in your journal4. You need to comment here and insert the link to your journal containing info about this giveaway.That's all The deadline for this giveaway is1st of NovemberIt's only one week away, so hurry up!One more thing, I'm not so good at drawing animals, robots or ponies, but I can do humanization!
.the stars rock themselvesto sleepthere is nothing left;they have peeled the moonlike a ripe fruit, coilsof pearly skin draping the hills,only god knowswhat they did to her core,where they buried her seedsin the earth(i put my ear to the ground now and listen, for her children in their wombs of dirt)
Devious Journal EntrySo very sorry but I'm out of this debate. I'm taking down this journal (as its my most recent one) to prevent further discussion on a topic I no longer will talk about. I'm out.You guys make up your own mind on what Gamersgate is. I want nothing to do with either side anymore.I'll have a more fun journal or something else to go up eventually...
.know this; i loved the fireand i walked into it willingly, heavenis not up above but deeper down below(there is a snake with the world in its belly, eat it; you are a killer the same)
Myspace and New Favs XMy Myspacehttp://myspace.com/alvertigo love and admire deviants:iconlaurytah::iconangelcurls::iconhbynoe::iconloganart::iconlittle-row-boat::iconvkansanen::iconemilly::icondorothy-shoes::iconeste-gallery::iconelectroncloud::iconyummyauri::iconvisceral::iconktesnuko::iconlittle--wing::iconlloydhughes::iconcolddanfeettan::iconbubble-gum-heart::iconevilxelf::iconjuliecerise::iconcameradude::iconalyz::iconbleuz::iconmisspasta::iconfredg::iconf3tisha::iconhakanphotography::iconlarafairie::iconvladimirborowicz::iconseventytw0dpi::iconprismes::iconmuszka::iconviolator3::iconadeaina::icona-niveles::iconlaliyeu::iconreddreams::iconandrewfphoto::iconThreeLibras::iconstefa-zozokovich::iconElifKarakoc::iconsuo-me::iconmute-nOface::iconzemotion::iconMistress-gothca:L a s t F a v s:thumb64317797:bad dreams by enasni:
ahi estoy! ahi me estoy viendo!!
ma que ilusión...
gracias ninio .*
por eso, y porque has puesto dos o tres pics en eso de los favoritos que


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Frisco/ HO Brass/ 4500 Series 4-8-4
We find the most interesting Brass Trains. Here are the best deals we found for Frisco/ HO Brass/ 4500 Series 4-8-4 for sale on the Internet.
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Frisco/ HO Brass/ 4500 Series 4-8-4 Picture(s) and Description:
One of 250 Produced by Dong Jin and imported by Hallmark in 1979, this Frisco 4-8-4 was purchased in 2005 by its current owner, a large West Coast collector. The model is custom painted in dark blue and hand lettered for the "Meteor" service. It is powered by a large can motor, and features an attractive cab interior with detailed backhead. The model has been a display piece only and has no operating time by the current owner and shows no detectable wear. The weight has been installed. I have confirmed that it runs in both directions on straight track, but it is "stiff" and will need attention if it is to be an operating model. It comes with its original box, foam, parts bag, and wrappers, except for the top foam piece which is a replacement. Condition of the box and related is decent and not yet ready for replacement. Buyers with fewer than 5 successful Ebay transactions please contact me before bidding or I will cancel your bid.


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How giving became coolDecember 28,2012It was 15 years ago that Ted Turner needed something interesting to say in a speech — and decided, in a rush, to give away $1 billion.
"I was on my way to New York to make the speech," Turner recalled to me. "I just thought, what am I going to say?"
So, in front of a stunned dinner audience, he announced a $1 billion gift to U.N. causes such as fighting global poverty.
In nominal terms, before adjusting for inflation, that semiaccidental donation was, at the time, believed to be the biggest single gift ever made, and it has helped transform philanthropy.
Tycoons used to compete for their place on the Forbes and Fortune lists of wealthiest people. If they did give back, it was often late in life and involved museums or the arts. They spent far more philanthropic dollars on oil paintings of women than on improving the lives of real women.
Turner's gift helped change that culture, reviving the tradition of great philanthropists like Rockefeller and Carnegie. Turner publicly began needling other billionaires — including Bill Gates and Warren Buffett — to be more generous. That was a breach of etiquette, but it worked.
"It's a starting point for me of this modern era of high-profile big public giving," reflected Matthew Bishop, co-author of "Philanthrocapitalism," a terrific book about how the business world is reshaping philanthropy. "He called on others to step up, which did have a crystallizing effect on others. It allowed journalists and others who were talking to Bill Gates to say: 'Why aren't you giving more?'" Then they tormented Buffett with the same question.
Ultimately, Gates and Buffett made huge contributions that are transforming the struggle against global disease and poverty. My hunch is that Gates will be remembered less for his work on personal computers than for his accomplishments against malaria, AIDS and poverty itself.
Gates and Buffett are both now recruiters for the Giving Pledge, which commits zillionaires to give away at least half their wealth. The giving pledge adds to the expectation that those who have won the global jackpot should give something back.
Turner channeled his money through the United Nations Foundation, where it was leveraged to get other contributions so as to bring $2 billion to finance causes from malaria to polio, from climate change to family planning.
The gift brought new respect to the United Nations and made it increasingly fashionable for billionaires to worry about global poverty. These tycoons bring not just their checkbooks to the table but also a business sensibility that introduces greater rigor and evaluation to the world of bleeding hearts.
All this has helped shine a greater spotlight on neglected issues — which, in turn, has led to extraordinary results. A study this month reported that infant mortality around the world dropped by more than half from 1990 to 2010. That's millions of lives saved each year.
Of course, not everybody has gotten the memo. Take Donald Trump, who has contributed his name to a foundation but little more. An investigation by The Smoking Gun website described him as possibly "the least charitable billionaire in the United States," for he apparently gave the foundation just $3.7 million — over 20 years. Trump, who has said he is worth $7 billion, is not even the largest contributor to his own foundation.
(A spokesman for Trump suggested that it would be "totally incorrect" to characterize him as uncharitable, saying that he has also donated land in upstate New York for public parks and "millions of dollars" to other causes.)
Turner isn't shy about encouraging others to jump on board. When I asked if he had any advice for my readers, he grew particularly animated: "You don't have to have any money to make a difference; you can pick up trash walking down the street, and I do that all the time," he said. "You can volunteer your time. You can be a big brother or a big sister."
Look, it makes me a little squeamish to extol a billionaire, for our society already has too much worship of the wealthy — and, in any case, the working poor in America are often more generous in percentage terms (and in volunteering) than those far better off.
That said, it warms my heart that a mogul donated $1 billion to enliven a speech, didn't even put his name on the foundation and then let the money quietly save lives around the world.
If you're still reading, Donald Trump, it's your move.
Nicholas D. Kristof is a columnist for The New York Times.MORE IN CommentaryIts always good when leaders tell the truth, especially if that wasnt their intention. Full StoryThere is good reason to finally share the multitude of our thoughts as a result of the tragic... Full StoryTo aid in prevention efforts, the Northwest Neighborhood Association of Rutland City has formed a... Full Story
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Franchising has become one of the fastest growing business models globally.
Faced with diverse commercial, legal and regulatory challenges, franchisors require commercially astute and pragmatic advice from lawyers who not only understand franchising, but who understand the intricacies of how franchising operates. In the UK we are affiliate members of the British Franchise Association (membership is limited to advisers that have demonstrated that they are experts in franchising) and we work closely with our specialist practice areas including corporate, finance, real estate/construction, employment, litigation and IP/IT.
Our team advise on:
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text:
AT A glance, the calf-length cape that a good-looking young model swirled around on stage appeared to be made of shaggy sheepskin, wildly inappropriate for the tropical climate of Pattaya, a seaside resort in Thailand. In fact its composition was more apt, if no less uncomfortable: hundreds of dangling prophylactics. Pattaya has one of Thailand's highest concentrations of go-go bars, massage parlours and other shop windows for the sex trade. Parts of it call to mind Sodom-on-Sea. But this "Condom Fashion Show" was not part of the sleaze. It was staged at a recent United Nations-led "consultation". The theme—sex workers and HIV, the virus that causes AIDS—was deadly serious, and the effort to turn it into burlesque rather heroic.
The consultation differed in more fundamental ways from the usual run of international conferences. Several dozen sex workers from eight countries (Cambodia, China, Fiji, Indonesia, Myanmar, Pakistan, Papua New Guinea and Thailand) attended as full-fledged participants, not just models in the fashion show. Sex workers are on the front line in the struggle against an epidemic that in Asia still claims 350,000 new infections each year. A 2008 report prepared for the United Nations by an independent commission confirmed that "men who buy sex are the single-most powerful driving force in Asia's HIV epidemics." It is thought that about 10m Asian women sell sex to 75m men, who in turn have a further 50m regular partners . . .
Read the full article here.


text: D By: Jeff Turner August 19, 2013 , 9:35 am Ronald Young fashions a pylon used to hold weapons on the AH64D attack helicopter that is built at Boeing's Mesa plant. Mesa Mayor Scott Smith called defense jobs a boon, bringing "very high-paying jobs" to towns like his. (Cronkite News Service photo by Sarah Pringle) Subscribe Login Email Address: Password: Already a paid subscriber but not registered for online access yet? For instructions on how to get premium web access, click here.Forgot your password? 9:35 am Mon, August 19, 2013 Arizona Capitol Times Jeff Turner tweet


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text: lohan playboy cover By Scott Ronson December 12, 2011 4:01 PM Share on Facebook Share on Twitter Category: Share on Facebook Share on Twitter More Leave a comment Send to a friend! Print this page Pin it! Reddit This! Share on Tumblr! More from KLAQ Cat Attacks Camera, Causes Woman To Go Psycho Veruca James – Babe of the Day Sexiest Selfies Ever (This Week) Audrey Allen – Babe of the Day Best of the Web


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Ilhavo, Portugal - SADIF Investment Analytics, announces a new summary due diligence report covering Louisiana-Pacific Corporation (LPX). The report uses SADIF's powerful StockMarks™ stock rating system and contains important analysis for any current or potential Louisiana-Pacific Corporation investor.
Report Summary: Louisiana-Pacific Corporation is an above average quality company with a neutral outlook. Louisiana-Pacific Corporation has strong business growth and is run by efficient management. The trend in Louisiana-Pacific Corporation fair value exchange rate against its closest rated-competitor, Plum Creek Timber Co. Inc., has been depreciating over the past 2 weeks. When compared to its closest competitor, Louisiana-Pacific Corporation shows similar undervaluation and is equally likely to outperform the market.
The report breaks down the Total StockMark into its three components - business,
Author:Antonio Mendese-mailWeb: www.sadifanalytics.comPhone: (+351) 234 322 037