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I know he did it on the song "Kill You", but damn, he did it again on Psychopath Killer and it kinda w...
This beat broke one of my old pairs of headphones
Post yo...
I think Action got him
Whenever someone uses this term, I instantly envision that person in a picture as clear as day. This p...
I have the European Reissue of Infinite, downloaded various times and always have some tracks with low...
I dont like that emotional shit. When im no listening to old school i like to listen to mainly joey ba...
It's on premierwuzhere.com
sooo good
srsly she is absolute shit! That kangaroo fucker just shakes her ass and gets called a rapper. Does an...
Shady XV
Iggy Azalea
@IBCircuits @KK_Ris @Hurdurr @KayRocky @F0E @Wazz @Ayloh @Sprossy @TheWaters @Do...
This thread is ment for people who might not know these albums and have some songs to get into it.
It ...
For those who've been living under a rock (it's okay…), J. Cole's new album, 2014 Forest Hills Drive, ...
pick ONE celbrity and pick the year you would take them in
2011 Scarlett Johanson (i know i ...
There are many to name, but I'm just gonna list my top 5 mixtape rappers. List is based off how much I enjoy their music, k? no particular order…
1.) King Wayne
Can't make a best mixtape rappers list without putting Wayne in, that would be wrong. This man pretty much changed the mixtape game. He was putting out MASSIVE amounts of material, dropping 3-4 mixtapes a year, he is the reason why rappers nowadays put out 2-3 mixtapes before dropping an album & put out mixtapes between albums. The work ethic bar was raised incredibly high because of this man, not many can match what he did (quality & quantity wise).
Classics:Da Drought 3Dedication 2No Ceilings
2.) Juelz Santana
Cam'Ron could've easily been placed here but I def fucks with Juelz music more.
In his prime, Juelz was probably top 5. He made street anthems that everyone bumped from the gutter hood niggas to white teenagers from the suburbs, universal music. His debut is actually one of my favorite hip hop albums.
Classics:Final DestinationBack Like Cooked Crack Vol. 1Back Liked Cooked Crack Vol. 3
(Note: some of the songs might've appeared on his or Diplomat albums because Juelz is just a boss like that, he does what he wants.)
3.) Max B aka Max Biggaveli
First off, free my nigga Max B. If you're looking for a dope hook maker, look no further. Max is the waviest nigga you know. His hook are infectious & just straight dope, def one of my favorite hook makers (along with Future & Drake). He's the one who propelled French Montana into the mainstream. His style is very unique & he influenced a lot of these newer rappers, just ask the kid Harry Fraud.
Classics:Coke Wave Vol. 1 w/ French MontanaPublic Domain 6Quarantine
If this list was in order, Max B would most definitely be #1. He has a mixtape dropping in a couple of days, be sure to check that out tbh.
4.) Jadakiss
Bars bruh, bars on bars. Kiss (IMO) never made a classic album, he has some dope ones, but they were never really fleshed out well enough to be considered classic by me. I won't deny that he was killing the mixtape game though. The last mixtape he released wasn't too good, but it hasn't tarnished all the dope stuff he has released.
Classics:The Champ Is Here Vol. 1The Champ Is Here Vol. 2I Love You (A Dedication to My Fans)
Yeah, my 5th pick goes to Fabolous. When it comes to "known underrated rappers," he usually gets a mention, along with people like Lloyd Banks, etc. And I agree tbh, Fab is underrated. His punchline game is dope & he has put out a handle of dope mixtapes.
This is where I deviate just a little to share a cool story bro. Fabolous came into RG chat one day, he ended up asking us for our top 5 Fab songs. I threw out a list of my favorite songs off the top of my head. This was the response…
He a cool dude tbr.
Alright, now to conclude the list.
Classics:The Soul Tape Vol. 1More Street Dreams Vol. 2The Is No Competition Vol. 2
HM: Big KRIT, Styles P, Cam, Jeezy, Drake, Wiz & Future.
This is my list, you can like it or hate it, doesn't matter to me much.
Feel free to discuss, post your own, rappers you feel should be mentioned, etc.
The boii RTJII is out now, peace.
Would add Gibbs, Wale, & Cole, and call it at that. Even Meek has put out some fire.
Classics: Truth Among Us, Revenge of the Nerds, Friend of the People
Joe Budden : Mood Muzik 2,3,4
Jadakiss: The Champ is Here
Fabolous: The Soul Tape 1,2
J Cole: Friday Night Lights, The Warm Up, The Come Up
Elzhi: Elmatic
Big KRIT: A K.R.I.T.
Jada fan since day 1 but I ain't listened to the champ is here 2 tho…Is is it any good? better than the first?
Probably Mac Miller.
Curren$y the hot spitta.
Because unless you count complex, all he has is tapes.
Meek: Dreamchasers
Wale: The Mixtape About Nothing, More About Nothing, The Eleven One Eleven Theory
Ross: Rich Forever
Gibbs: Str8 Killa No Filla, Miseducation, Cold Day In Hell, Thuggin EP
bruh cmon how you gon' talk about mixtapes and not have the boi wonder papoose
How has KRIT not been mentioned?!
Upvoted for Fab tbh
The Soul Tape, The Soul Tape 2, There is no Competition 1, 2 and 3 all slept on af
Lil B has some ill material, all he released was mixtapes. He hasn't put out an album yet. Mac miller and Wiz have some good material. KRIT also makes really good mixtapes and so does budden and dizzy.
Charles Hamilton
For real though: Obviously 04-07 Wayne, 02 50 Cent (No Mercy, No Fear, 50 Cent is the Future) & Kanye's ONE mixtape was pretty dope
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The merger voltage (I) is rising on the electric grid, but it remains to be seen which will win out: current (E) policy or resistance (R) to it.
PUC consider itself bound to approve it, since it could cut rates for consumers, the third-party beneficiaries in all of this?
The answer, I believe, is "no." When reading over the 1996 restructuring act, I found an interesting clause. Essentially, it appears to say that if the distribution utility complies with the rate freeze, it should receive immunity from the sort of margin-hunting tactics seen in this case:
"If an electric distribution utility rolls its energy cost rate into base rates at a combined level that does not exceed¼ rates which have been approved by the commission¼ [i.e., the utility complies with the rate freeze]¼ the utility shall not be required to reduce its capped rates below the capped level upon the complaint of any party if the commission determines that any excess earnings achieved under the cap are being utilized to mitigate transition or stranded costs for the benefit of ratepayers." (House Bill 1509, "Electric Generation Customer Choice & Competition Act," sec. 2804(4)(v).)
In other words, if the utility can maintain the rate freeze, recover stranded costs and still make a buck, more power to it.
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Pepsi Signs Irving For More "Uncle Drew" Episodes Montana Selling Old Candlestick Park Seats Pepsi, NFL Promoting Heavily Through Digital 49ers CFO Makes Her Mark On Team, NFL 49ers' Ray McDonald Has Case Dismissed Lions' Stafford In New Pepsi Promo 49ers Go To Mobile Ticketing As Main Delivery Method 49ers-Backed Tech Startup Looks For New Business PepsiCo CEO Backs Goodell Amid Scandals 49ers Look To Improve Traffic Flow At Levi's
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Published January 17, 1995
The National Pork Producers Council tell THE SPORTS BUSINESS DAILY that they hope to use their Super Bowl ads as a kickoff in their campaign to make pork the next big U.S. "food trend" (THE DAILY)....USA TODAY's "Super Bowl Ad Watch" profiles Quaker State -- the company's one 30-second ad in the 3rd quarter is its first ever Super Bowl spot -- and Wilson, whose 60-second 4th quarter is a takeoff on David and Goliath (Dottie Enrico, USA TODAY, 1/16).... Goodyear's Super Bowl ad campaign was profiled on "Entertainment Tonight's" weekend edition. The company is introducing a new tire in conjunction with the campaign ("ET," 1/15)....In his "The Biz" column, Michael Hiestand calls the 49ers Steve Young, who tapes a Frito Lay ad today that will aired during the Super Bowl, "the perfect ad prospect" (USA TODAY, 1/17)....In Toronto, Jim Hunt writes on the possibility of a one- sided game: "How would you like to be an advertiser who has anted up the big bucks for a spot run in the second half?" (TORONTO SUN, 1/17).


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AmateurLogic.TV Episode 72 is now available for download.
Tommy makes a TNC Pi APRS Igate. George talks about RF Wattmeters. Peter's introduction to Python programming.
AmateurLogic.TV Episode 72 is now available for download.
Tommy makes a TNC Pi APRS Igate. George talks about RF Wattmeters. Peter's introduction to Python programming.
AmateurLogic.TV Pacificon 2014 is now available for download.
George visits with friends at Pacificon 2014. You'll enjoy these interesting topics and interviews.
AmateurLogic.TV Episode 71 is now available for download.
It's ALTV's 9th Anniversary. We give away the IC-7100 complete mobile outfit.
Tommy talks about Dynamic DNS and when to use it.
Peter prepares for his balloon flight.
George presents his CheapoDuino scaled down Arduino Uno clone.
Plus what we've been up to…
George's Visit to the Land of Radios is now available for download.
George visits with the Crew at Icom America for a fascinating tour of their new facilities. Up close interviews with different departments. Find out how they do what they do.
AmateurLogic.TV Episode 70 is now available for download.
George builds a remote control antenna disconnect switch with an Arduino and a Servo. Tommy experiments with the MFJ Ultrasonic Noise Locator. Peter participates in the 2014 DATV QSO Party.
Details on our 9th Anniversary Sweepstakes giveaway of the Ultimate Mobile Station.
Upcoming personal appearance, events and more…
1:20:13 of ALTV Enjoyment.
AmateurLogic.TV Huntsville Bonus Episode is now available for download.
George and Wayne make their yearly pilgrimage to the Huntsville Hamfest. We visited with some old friends to find out what they've been up to and got some great stories you'll enjoy.
1:11:47 Southern Amateur Fun
AmateurLogic.TV Episode 69 is now available for download.
In this episode Peter demonstrates a new microcontrolled component test. George talks all about Dummy Loads. Tommy shows us the new DV Mega Raspberry Pi D-Star Hotspot. And a visit to the K7LWH D-Star Repeater site in Bellevue Washington.
We also announce our 9th Anniversary Sweepstakes where some ham is going to win the Ultimate Mobile Station.
1:20:46 of premium Ham Radio content.
We are celebrating the 9th Anniversary of AmateurLogic.TV with a great mobile sweepstakes. Come register to win an Icom IC-7100 HF/VHF/UHF/DSTAR Radio with touchscreen. You are going to need antennas with that so we've teamed up with MFJ, Tarheel, GigaParts and Comet. The winner will receive a Little Tarheel HD Screwdriver Antenna with Ameritron SDC-104 Auto Tuner and Comet CA-2x4SR Broadband VHF/UHF antenna. To mount these we've got some great Comet CP-5M and HD-5 3/8-24 Universal antenna lip mounts.
It's the ultimate mobile setup and some lucky AmateurLogic viewer is going to be very happy. Visit www.amateurlogic.tv/contest for details. The contest is opened to licensed amateurs in the United States and Canada.
Visit www.amateurlogic.tv/contest for details.
AmateurLogic.TV Episode 68 is now available for download.
It's been three years since the ALTV team did Field Day in the wood. We disturb the peace and quiet of Shrock, MS this episode for another Field Day adventure. Listen to the roar of generators and crickets. Learn a little about the history of the site. Take a look at the location, tent and our choice of antennas. Check Wayne's coax cables with the Megger(we were surprised what we found). Peter joins us to chat about Field Day and a report on his KN-Q7A transceiver kit. Witness the great Quadcopter mishap, plus much more.
1:35:04 of good outdoor Ham fun.
AmateurLogic.TV Episode 67 is now available for download.
Join George and Tommy as they visit the Mother of all Hamfests, Dayton Hamvention. We met many old and new friends. Plus lots of information on all the new digital products on the horizon.
1:27:56 in the magical world of Hamvention.


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22 Jul
By now, I'm sure you've all heard about the mom that was arrested for leaving her 9-year-old daughter at the park while she worked. Since it hit the news, it's sparked quite the debate about leaving kids unsupervised.
My friends and I remember playing at the park, walking to school, and going to the corner store without an adult at that age. Perhaps we weren't alone for as many as 6 hours, but we certainly didn't have cell phones. When I talk to my parents and other people their age, they remember being even less supervised. Are things really that less safe nowadays?
Statistics show that stereotypical kidnapping (where the child doesn't know the abductor) rates have not increased over the last 25 years. The US Department of Justice concludes, "Teenagers were by far the most frequent victims of stereotypical kidnappings", according to their 1999 study. The study also concluded that there are an estimated 115 stereotypical kidnappings a year as of 1999, whereas the rates were twice that in 1988.
There are an estimated 58,200 "nonfamily abductions" per year, where the victims are not considered "missing". It's more like they were detained by an acquaintance (or disgruntled boyfriend) for a time. NISMART has a great description of the difference between these kinds of abductions. The FBI estimates that 367,500 children are abducted by family members per year. As Free-Range Kids so glibly puts it, "Your safest bet is to leave your child with a stranger".
Maybe it just feels like there is more stranger danger because news travels fast in the information age. These accounts don't make it easier to decide how much freedom to give your children.
At what age do you think kids should be allowed to play unsupervised at the park? Do you let your kids walk to school alone?
8 Jul
In retrospect, it was actually more helpful the older Franci got. When she was a newborn, I could just strap her to my back and cook away. It wasn't until she got more active, and I went back to work, that the freezer meals really came in handy.
Now that I'm just over half way through the next pregnancy, it's time to get down to the business of filling the freezer up again. If I thought it was nice to have prepared food at hand when we had one kid, how about when we have two!
If you're wondering my secret to having enough pans to hold all the meals, I do have a trick up my sleeve. I line each pan with parchment and spray with cooking spray before filling it up. Once the dish is frozen, I use the parchment handles to pop out the meal. Next, I peal off the parchment and slip the meal into a food saver bag. I vacuum and seal it, and the meal is ready to store in the freezer for up to 2 years! Then I put the greased parchment back in the pan, and fill it up again for another round. I usually fill 4 pans at a time, so it can take two or three days to get the whole batch frozen.
Some of the meals I made were more popular than others, so I'd like to make a bigger variety this time. Maybe a dozen different meals instead of 8. Here's what I'm planning to make: Chile Verde, Shepard's Pie, Pasta Sauce, Black Bean Soup, Tortilla Soup, Lasagna, and Chicken Pot Pie. As you can see, I'm short a few ideas.
What's your favorite meal to make ahead and freeze?
4 Jul
Have a picnic: Pack up some sandwiches and finger foods, grab a blanket and find a nice spot in the shade. You don't have to travel farther than your backyard, if you want to avoid holiday traffic. The best part is that you don't have to turn on your stove or oven.
Make your own giant soap bubbles: The general consensus is that Dawn dish soap is the best, and don't forget the secret ingredient: glycerin.
Enjoy homemade popsicles: If you don't have popsicle molds, just use a dixi cup! For an extra-patriotic treat, try these Red, White and Blue Creamsicles.
Have a watermelon seed fight: Be sure to buy a seeded watermelon, so you have some ammo. Pinch the watermelon seed between your thumb and index finger, aim, and squeeze. With a little practice, you'll be hitting your mark in no time.
Cool off in a kiddie pool or sprinkler: Or if you're feeling fancy, a Slip N Slide
Have a backyard movie night: Pop some popcorn and get out the blankets!
What activities do you have planned for Independence Day?
26 May
Since my belly is growing by the day, I'll be posting about pregnancy more often. Write what you know, as they say. They also say that each pregnancy is different, and that certainly is the case. As anyone with more than one kid knows, there's little time to rest and relax your swollen feet when you're chasing after a toddler! It's going to take a lot of organization to be even half as prepared as the first time around.
Besides preparing for another home birth, we need to prepare Frances for her role as big sister. As a younger sibling, I have no idea how to begin! I'm sure that's a topic I'll be revisiting here later.
In the meantime, we're looking forward to a fun-filled summer and plenty of changes come fall!
19 May
We had a sad week here at The Green Baby Guide, because Rebecca and I lost our grandmother and Frances and Audrey lost their great-grandmother. Caroline Frances Best Kelley, known as Tutu to her family, was an amazing woman with a big heart and a welcoming smile, and she will be missed by many friends and family.
I've been taking Franci to see her great-grandmother once a week since before she was born. No matter how she was feeling, or how tired she was, she always lit up when we walked in the door. She loved to hear about Franci's new tricks and kept up on all our activities.
Although I'm so glad that Tutu got to know Frances, I'm sad that Frances is just a little too young to remember all the time she spent with her. On her last few visits she would say "T-t-tu-tu" on our way to the front door, but I don't think she'll notice that we stopped going over to her house.
In some ways, Franci's age takes the burden off of us to explain death, loss, heaven and all those tricky topics. If she were older, I would probably make use of one of these books to help explain the situation.
Have you had to deal with a similar situation with your kids? What helped or what would you do differently next time?
9 May
Most of you have probably heard of Amazon Prime, but have you heard of Amazon Mom? It gives you all the perks of a Prime membership (free 2-day shipping, access to the Kindle lending library, and free instant video streaming) plus 20% off Subscribe & Save orders of five or more.
(For those of you not familiar with Subscribe & Save, here's how it works: Whatever items you've subscribed to are delivered by the first of the month at a 5% discount. You can cancel at any time, skip deliveries or have items delivered every two months, or six months, or whatever you decide. If you don't cancel the subscription for an item, it is automatically delivered on the schedule you've set but you get a warning email with plenty of time to postpone or cancel subscription items.)
The thing about a Prime membership is that you kind of have to work for it. If you order a couple things a month, it's probably not worth it. But if you're like us and live in a smaller city where we can't buy a lot of our preferred items, it's possible to make it a good deal. We've been Amazon Prime members for years now because we order so many household items online that our UPS driver knows us by name.
You don't have to be a mom to sign up for Amazon Mom, but you do have to have enough space to store whatever you buy. You often have to buy cases, or at least packs of two. The trick is to be creative and thorough about figuring out what you can order through Subscribe & Save and making sure you have at least five orders each time you choose to have a delivery. Sure you can order dishwasher detergent, but keep in mind you might end up storing a few bottles.
This also means you have to be good about keeping your subscriptions up-to-date so you don't receive too much organic baby food or too many OxiClean Max Force Gel Sticks too often. (Then again, if you have a baby you can never have too many of these.) When the end of the month approaches, I log in to see what items are scheduled for delivery and arrange things so that I hit the magic number "five". I may have an extra case of Chlorine Free Diapers or a bottle of Multi-Vitamins to store, but it's worth it. If I'm close to five subscriptions but not there, I can always round it out with coffee or tea or toothpaste. You get the idea.
While Amazon Mom may not be for everyone, it's worth it for moms who love a good deal but are too busy – or too tired – for the store.
28 Apr
There are tens of thousands of names out there, so first we narrowed the field down to family names. We thought it would be fun for Franci to have a connection to our heritage in the form of her name, so we knew we wanted one name from my family, and one from her dad's. It turns out, this really narrowed down the choices. Maybe even too much! The most unique names, like Malvina, were quickly vetoed by both of us.
If you're not set on family names, there are books out there that can help, such as The Baby Name Wizard: A Magical Method for Finding the Perfect Name for Your Baby. Or you can scour the Internet's many websites, like Nymbler, for ideas. Rebecca posted some "green" baby names for Joy back when she was expecting her little girl.
We cross referenced our name choices with the Social Security Website to see how popular the names have been over the years. As much as we loved some names, we didn't want our daughter to forever be known as "Olivia S." or "Sofia with an 'F'".
Next we did a Google search for their meanings. There are also plenty of books and websites out there dedicated to Baby Names. Frances means "free", which is how we always hope she feels. It also means "French", which I liked because my maiden name is French. Less meaningful was Olivia, or "Elf Army". Although I love reading fantasy novels, I'm not sure I'm into them that much.
We also considered nicknames associated with each choice. I've always thought Franci was a cute nickname, whereas Mal was a bit of a deal breaker.
In the end, it came down to compromise. My husband graciously conceded I could have the final say, as long as he got final say on our next baby. I might regret my decision later, but I'll just have to fight that battle when we come to it.
How did you pick out your baby names? I always love to hear naming stories and my mom-to-be friends want to know too!
21 Apr
The New York Times had a great article last week on Raising a Moral Child, written by Adam Grant. I think it's worth sharing and talking about because it seems like it is becoming an increasingly difficult task. Why is it that the more information and resources we have, the harder it is to ensure that our children are thoughtful and hard working?
Before reading the article, I was under the impression that it's more important to compliment the behavior of the child than the character of the child. Research is showing the opposite, however. So next time, instead of saying, "thank you for helping," say, "thank you for being such a good helper" and you might find your kids repeating their kind actions more often.Another important point the article brings up is that guilt is different than shame. Grant says, "Shame is the feeling that I am a bad person, whereas guilt is the feeling that I have done a bad thing." Guilt is a feeling that can be changed by changing your behavior, but shame runs so deep you can't get past it. None of us want our children to feel like they are bad people, so instead of expressing anger or withholding affection when they misbehave, it's better to voice our disappointment and explain, "why the behavior was wrong, how it affected others, and how they can rectify the situation".
Grant also points out that the old tenant, "do as I say, not as I do" is as ineffective as ever. Research proves this. He cites an experiment in which school kids earn tokens for winning a game and have the opportunity to donate some of the tokens to a child in poverty. The children most likely to give, and who gave the most even weeks later, were those that watched their teacher give tokens to a child in poverty without saying anything about it. You might think that the students who not only saw their teacher give, but heard her lecture about giving might be the most generous, but this wasn't the case. Kids who only witnessed the generosity, and weren't preached to about it, were more likely to be generous months later.
I thought Grant's article was so interesting, I might have to pick up his book, Give and Take: Why Helping Others Drives Our Success In the meantime, I'm going to make sure I praise Franci's character and lead by example, instead of merely lecturing about good behavior.
What are you doing to make sure your kids grow up to be kind, thoughtful and helpful? What methods do you find to be most successful?
18 Apr
There are a million things that make staying in a house better than staying in a hotel. First of all, everyone had their own room. Frances slept soundly during her naps and at night and we didn't have to worry about tiptoeing around her crib. Secondly, I was able to make her fresh food in the kitchen, and we cooked several meals while we were there, which saved time and money.
One unforeseen bonus was that unloading and loading the car was so much easier than usual. We didn't have to lug our many bags through a hotel, and then park the car in some big lot. Parking was free and just steps away from the front door.
Often times hotels are crowded into one area of town that may or may not be a desirable location. Perhaps if you want to be near the airport or close to low-end chain restaurants, a hotel is a way to go, but we wanted to be in a trendy part of town that has no lodging but is within walking distance of tons of shopping and restaurants.
Especially if you have kids, going with an Airbnb rental can give everyone a little extra space that will make a vacation that much more relaxing. Our house had a huge backyard that would have been perfect for playtime (if the weather had cooperated). I noticed there was even a croquet set in the closet I would have loved to use, if it hadn't rained the whole time.
Unlike some of the other vacation rental companies, Airbnb provides a bit of guarantee things will go as planned. For one, you pay the company directly, and they pay the rental owner. So if you have any issues with your stay, you can appeal to Airbnb and they will moderate.
Reading the reviews of a rental are essential before booking, since they will tell you how good the rental owner is at communicating and how accurate the rental description and other details are. Writing your own review after your stay is highly recommended, especially if you want to have a good reputation as a renter (leaving a good review prompts the owner to write you a good review). Just because you want to stay some place, doesn't mean you will be approved. And if you are disrespectful of the rental, don't expect to be approved next time. The owner will leave you a bad review and warn other rental owners off you. The system is pretty self regulating that way, as long as you are diligent in reading the reviews and going over the house rules.
One thing to keep in mind when renting a house or apartment (as opposed to staying in a hotel) is that you will have to do some chores before you leave. They are not really a big deal, and only take a few minutes. You'll probably have to load the dishwasher and start it. The beds will need to be stripped and the washer started with sheets and towels. And you might have to take out the trash. Other chores, like making up the beds, sweeping or toilet scrubbing, are covered by the cleaning fee.
All-in-all, it's totally worth it if you are traveling with kids, or as a group. The freedom of being in a private space and the amenities provided (like a fully stocked kitchen) ensure that we'll be using Airbnb in the future, as long as there are rentals available at our destination!
7 Apr
In 1989, NASA and the Associated Landscape Contractors of America did a two-year study that proved indoor plants are successful at removing benzene, trichloroethylene, and formaldehyde from the air. You can read a good summary of the study here. The house plants most effective at removing these chemicals are Bamboo Palm, Chinese Evergreen, English Ivy, Gerbera Daisy, Dragon Tree, Corn Plant, Mother-in-Law's Tongue, Chrysanthemum and Peace Lily. These are all easily found, often at the grocery store or hardware store, if you're too busy to make an extra trip to a nursery.
If you have children or pets but want to enjoy the beauty, oxygen production and air cleaning properties of house plants, you may want to choose varieties that are not poisonous. While most toxic house plants aren't that bad (they cause skin irritations or stomach aches but won't kill you), it might not be worth the risk. Check out this website that lists safe and toxic house plants.
Even if you don't have poisonous plants in your home, it's a good idea to teach your kids to look but don't touch. You never know what kinds of plants they will encounter outside or at someone else's house.


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Virgin America Fares
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Today only until 8 pm ET, Virgin America offers select 1-way fares with prices starting at $48.10, as seen on Travelzoo. That's $19 under our mention from last week and the 2nd-best price we've seen for Virgin America flights. It's also the lowest price we could find for select routes by $14. This price is valid on flights from Las Vegas, NV, (LAS) with arrival in Los Angeles, CA, (LAX) on December 9. Book this travel deal by 8 pm ET today for travel from December 9, 2014 through March 4, 2015. Click here to see more routes.


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Md. Democrats hold lunch before session
Maryland Democratic members of Congress will gather with state legislators for their 15th annual lunch on the eve of the General Assembly's legislative session.
Md. senators call for increased fed heating aid
Maryland's two U.S. senators say they are among a group of 40 senators calling on the Obama Administration to increase federal heating aid.
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Mikulski to tour Red Cross superstorm center
Sen. Barbara Mikulski is scheduled to tour the Red Cross Superstorm Sandy disaster operations center.
3-county health-care training center opens
Community colleges in Carroll, Frederick and Howard counties are celebrating the opening of a joint center for health-care education in Mount Airy.
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The University of Maryland Eastern Shore has been awarded a $500,000 grant from National Science Foundation to help prepare students for science jobs.
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Senators ask EPA to relax corn-to-fuel rule
Maryland Sen. Barbara Mikulski says she is among a group of senators asking the Environmental Protection Agency to relax renewable fuel standards to require less corn. Mikulski says that will help ease corn supply shortages caused by drought conditions this year.
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Mikulski to hold hearing on child health care
Maryland Sen. Barbara Mikulski is convening a hearing on child health care needs.
Senators hail Mikulski's milestone in Congress
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Mikulski becomes longest serving woman in Congress
Maryland Sen. Barbara Mikulski is now the longest-serving woman in the history of Congress.
Mikulski, Cardin seek halt to postal center study
Maryland's senators are demanding a halt to any study by the Postal Service involving the closing of the distribution center in Easton and moving mail processing to Wilmington, Del.
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If you want to know the truth about the "Great Emancipator" - read this book.
Of course, this is not the author's purpose, which is to offer a "prosecutor's brief" in response to the Lincoln cultists, and in this DiLorenzo succeeds quite well.
In fact, Lincoln, single handedly destroyed our Republican form of governance in America and he created the Democratic state...Socialism dressed up as freedom!
This is a book that should be read by all Americans,but sadly it won't. The book shows us as a people how our government has become what it is today. Read morePublished 1 month ago by bucky harris
Great info. That I have never heard before. After a while it got a little preachy. Overall great book and I would recommend it.Published 1 month ago by moe joe
This is but one of a series of recent non-fiction histories of Abe Lincoln and the civil war. It projects the flawed character of Abe Lincoln, the true cause of the war, the... Read morePublished 1 month ago by Richard
Best book for educating someone on the real Lincoln. An updated and better-organized version of "The Real Lincoln". Read morePublished 1 month ago by J. Willis
He doesn't try to make apologies for Lincoln he simply lays out all the facts.Published 2 months ago by Scott Cowan
Prof. DiLorenzo is part of the very strange phenomenon of Catholic Neo-Confederatism. He is certainly a man
of contradictions, as is the case with reactionaries. Read more
Straight-forward, simple data about how Lincoln was actually an imperialist dictator who un-Constitutionally coerced the Southern states by crushing them. Read morePublished 2 months ago by Black-Clad Puritan Hessian
Amazing book. Though some of the assertions are based on only one source, that's one source more than the Lincoln propagandists use to create a totally absurd, cartoonish image of... Read morePublished 2 months ago by 4jyelg93


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Dreamgear Black Comfort Grip for the 3DS
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text: The following represents disclosure information provided by authors of this abstract. The ASCO Scientific Program Committee has reviewed all presenting author disclosure reports, identified potential conflicts of interest, and implemented strategies to manage those areas of conflict, where appropriate. All relationships are considered self-held and compensated unless otherwise noted. Employment/Leadership relationships are considered compensated employment unless otherwise noted. L = Leadership, U = Uncompensated, I = Immediate Family Member, B = Both Myself and Immediate Family Member, Inst = My InstitutionProspective and working memory decline as a result of impaired sleep and/or impared blood glucose in breast cancer patients during chemotherapy treatment.Liliana Moyers-RuizNo relevant relationships to discloseTamas HickishNo relevant relationships to discloseSimon ThompsonNo relevant relationships to disclose


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Production: Airline Highway
Rehearsal photos from Steppenwolf's production of Airline Highway, written by Lisa D'Amour and directed by Joe Mantello. The cast includes ensemble members Robert Breuler and K. Todd Freeman with Carolyn Braver, Kate Buddeke, Chris Daley, Stephen Louis Grush, Terry Hamilton, Scott Jaeck, Toni Martin, Caroline Neff, Tim Edward Rhoze, Judith Roberts, Brenann Stacker, Gordon Joseph Weiss and Jacqueline Williams.
Production: George Orwell'sAnimal Farm
Ensemble member Francis Guinan was inspired to capture the wonderful costuming in Steppenwolf for Young Adults' production of ANIMAL FARM. Inspired by the black and white portrait work of Richard Avedon, Fran teamed up with Steppenwolf Content Producer Joel Moorman to create these evocative photos of the cast and their animals.
Production: The Night Alive
At the Explore event for The Night Alive, presented in partnership with the Irish American Heritage Center, guests enjoyed the Irish band Kilmaley, a stand-up set from by comedian Adam Burke, a chance to practice their own Irish brogue with professional dialect coach Eva Breneman, a whiskey tasting presented by Fountainhead, and scenes from McPherson plays performed by ensemble member Alan Wilder with Mike Dailey. Chicago director Matt Miller emceed the evening.
Steppenwolf's 39th Season Kick-Off Open House welcomed nearly 800 Subscribers and Donors to the theater for an inside look into the 2014/15 season. The annual event featured backstage tours, a behind-the-scenes discussion with Steppenwolf artists, food, drinks and more.
Production photos from Steppenwolf For Young Adults' production of Animal Farm, written by Althos Low and directed by Hallie Gordon. The cast includes Will Allan, Jasmine Bracey, Lucy Carapetyan, Amelia Hefferon, Matt Kahler, Mildred Marie Langford, Blake Montgomery, Dana Murphy, Lance Newton and Sean Parris.


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In what might go down as the most unlikely collaboration since Michael Jackson and Fergie got down for a track on the recently-released, Thriller 25, veteran New York MC, AZ, has hooked up with recently-featured singer, Ray J, for the second single off AZ's forthcoming album, Undeniable. On Go Getta, not to be mistaken for the highly-popular Young Jeezy and R. Kelly collaboration of two years ago, the Koch Records label mates exchange bars and hooks about getting the finest women and drinking the most expensive booze. Heard it before, right? Well, think again; Brooklyn's AZ might be the only MC in the world who can get lyrically deep when talking about booty and Patron.
Written by DJ Z on 03/5/08
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Can I, can I save you from you?
from Drake – Same Mistakes (Fall For Your Type) Lyrics on Genius
Drake is asking if he can save this person from themselves, possibly because they're changing from the person they used to be.
To help improve the quality of the lyrics, visit "Same Mistakes (Fall For Your Type)" by Drake Lyrics and leave a suggestion at the bottom of the page


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About Arrangements Inc.Arrangements Inc. started out in 1999, in Mumbai, India. It was formed to provide Multi nationals, Corporate Companies and Stores, Home Décor items which can be used as gifting concepts. It was made for these companies that are looking for good quality giveaways to use as a part of their overall marketing strategy and brand recognition and recollection.
Our other sister concerns are India's leading Export companies, manufacturing for top International home retail giants like Wal-Mart, Pottery Barn, IKEA, Home Essentials, and COSTCO etc.
Drawing on our wealth of experience in the industry, we work with our clients to help them select the most suitable items for their target audience.
Our diverse customer base includes all types of businesses, from global giants to local start – ups, and can adapt our services to suit your dynamic nature of business.
We are committed to exceed customer's requirements with quality designs, excellent craftsmanship, and efficient services and prompt delivery of our products. Our vast experiences and established network of both local and overseas as manufacturers and suppliers, we are capable of providing unique and innovative designs and concepts for our client's gifting requirement.


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Home Run Derby - Yasiel Puig All Star game UNDER 8 Good Luck !! $$$
Prof. you LUV you SUM Puig, Lol! He COULD jus' Pull it Off! GL Buddy! MLB's NOT like the NBA All-Star & the score-la-palooza, it's ALL about the UNDER! :)
THX, Matt. It will be an exciting event for all to enjoy !!!
Thats who i picked..Puig...i think he goes all out like usual..5-1 i seen last night.
NFL Sunday / 3*** BLAST is up ____ Mon - "Monday Night Blitz" / +MNF Bonus is up !
NHL 2014 Undefeated +4.46 Units ------ (Dirty - Dog) 3-0 -100%
*** NBA Playoffs 2014 (20-6) 77% --- 2014 B.O.T.H Champion (127-81) 61%
Follow Me On Twitter : @SleepyJ_Pregame **9-2** (82%) All-Time GOY
Click Here - Today's Premium Play
Sleepy - Did you see his all star haircut? He's ready !!!
I follow u with puig.
I got the under to. Let's cash.
Avatar challenge with sleepyj 2-0
Enjoy the festivities, Steve !
Sure wish I'd have known Puig didn't even have a BP pitcher til 5 mins before the event started. Ouch!
Sure wish I'd have known Puig didn't even have a BP pitcher til 5 mins before the event started. Ouch!
I'm also on Coespedes and Joey Bats. A little worried about YC's hammy but Bautista looked solid.


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Google has updated its Chrome browser, fixing an issue that was first uncovered at the Pwnium browser hacking contest, which took place at the CanSecWest security conference in Vancouver this week.
Russian security researcher Sergey Glazunov won $60,000 for demonstrating his exploit, which was able to bypass Chrome's sandbox, at the hackathon solely focused on Chrome hacks.
Under the rules of the competition, Glazunoy was able to claim the prize for demonstrating a full Chrome exploit on a fully-patched system. Google was willing to pay out a total of $1 million in the competition.
"Congratulations again to community member Sergey Glazunov for the first submission to Pwnium," wrote Jason Kersey of Google's Chrome team in a blog detailing the security update.
But Glazunoy is not the only hacker that has defeated Chrome's feted security features.
Google's Chrome was the first browser to fall at the annual browser hackathon, Pwn2Own, which is running in parallel with Pwnium. A security group from France, VuPen Security, demonstrated a sandbox exploit within five minutes of the competition's start – though, by the end of the first day, teams had successfully demonstrated hacks against Internet Explorer, Safari, and Firefox.
Google had withdrawn its sponsorship for Pwn2Own and set up the rival competition after realizing it wouldn't get the full details on some of the exploits being shown off at Pwn2Own.
Google won't be able to patch the browser until it confirms how the exploit worked.
Meanwhile, the latest Chrome update also fixes issues with some Flash games and videos.
This article was originally published on V3.
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Cooking Money !
It's strange to find my Dad inside the kitchen. And so I go in to find out what he is upto and find him doing an even stranger thing. He's cooking money! Apparently, he got his money laundered in the washing machine along with his shirt and he's drying it up.
The Making of the Community Christmas Tree
Every year, I set up an artificial Christmas tree at my home, decorate it with small goodies and lights. However, it just doesn't have the festive feel nor the spirit. This time, I wanted it to be different. I wanted it to be bigger and more importantly, make our apartment folks to be involved. That's when the idea of a community tree cropped up and quickly latched on to it.
This is the tree that's inside our apartment that we chose. We planted this two years ago and this guys has grown fairly strong. We decided to give it the Christmas look.
Off I went to Parrys Corner. It's a good one hour ridefrom my place. Worth the long ride. You get the best varieties and the best prices. Picked up stars, trinkets, bells, and other stuff.
There's a special lane in Parrys corner that only deals with electrical goods. Picked up a whole bunch of 'china made' Christmas lights.
The whole idea attracted the apartment kids like Pied Piper. That's just half of them. A whole lot more joined in soon.
The kids helped set things up and the adults joined in doing the hard stuff like electrical wiring and hanging.
We needed thin metal wires in order to hang the stars and the bells. There's a nice hardware store nearby and bought these wires.
Meanwhile, another team of volunteers began work on getting the electrical wiring ready. Since all the bulbs were to be fixed as a serial connection, we had to make sure that the connections were perfect. One mistake and the rest of the bulbs won't glow. I wanted to call in a professional electrician to help but the enthusiastic guys said they'd do it themselves. I was impressed.
A kind gentleman in our apartment helped source a ladder that greatly helped. Once the wiring was done, we began to hang the lights.
As the evening progressed, the day light began to fade making the task harder. The team didn't want to stop mid way and we laboured on. The thin branches didn't help either and we had to be careful. The lightest guy in the team took on the adventurous job of getting up the tree.
When we switched on the power, it was a sight to behold. The colourful lights lit up the place brightly. The kids and the folks in the apartment broke into an applause immediately. Seen here are the three guys, Nagesh, Manohar and Rajesh who took on the bulk of the work. Each of the kids went and shook their hands saying, "Thank you uncle". The joy on the kids face was worth all the 6 hours of hard work.
The spirit was contagious. One of the neighbours even bought a whole pack 'jalebis' for the team. Now the folks in the apartment are enthusiastic about celebrating a joint New Year Celebrations on 30th night and plans are underway. It's the first time in 12 years that this apartment is seeing a joint celebration.
Amazing what a little spirit and a Christmas tree can do!
Microsoft v/s Open Source. The Startups Win
I would assume I know a thing or two about startups. For starters, I've attempted a couple myself, giving me an inside view of entrepreneurship. The many entrepreneurs that I've gotten to know over the years of organizing Proto.in help give me a peek into the overall ecosystem.
Almost the bulk of the startups that I know of start off using Open Source software or something that's available for free. PHP is the language of choice for web development. Consequently, MySQL the pick for database. For corporate email, Hosted GMail for domains rules. Google apps for everything with collaboration. Skype for teleconferece. OpenOffice for docs & spreadsheets. If you notice, the underlying common denominator is the cost. It's zilch. You can't argue with 'Free'. For an entrepreneur who is starting off on a shoestring of budget, this *is* a big deal.
It's a good thing that Microsoft has realized this. Their latest release of the BizSpark program is a great long term vision to ally with the startups and at the same time take on the Open Source onslaught in their own home ground.
Through the BizSpark program, Microsoft is giving away most of its software for virtually free. Check this out. Microsoft SQL Server, Microsoft Office SharePoint Portal Server, BizTalk Server and Systems Center, Microsoft Dynamics CRM, MSDN Premium subscription, Microsoft Express Studio (design tools), Microsoft Windows (Vista, XP, all Ultimate & enterprise editions), All SDKs, and Microsoft Visual Studio 2008 Professional. In case you didn't notice, that's pretty much a bulk of MS' key offerings. All free for 3 years. Add to this free support.
This reminded me of my home town, Pondicherry's strategy to boost tourism and business. They gave tax holidays for 5 years to all new hotels and IT companies. No taxes at all. You take home all the profit you make. Ventures started flooding in. It's been a very successful program. This year that holiday comes to an end, and now the government will benefit from its five year patience because the taxes from these companies will start flowing in.
The strategy is the same for Microsoft. Encourage the startups to use Microsoft products. The first 3 years is the most crucial for startups to grow and they are giving their help and support at this crucial period of their growth. Once these fledgling startus metamorph into an established company, they get to reap the benefits of selling both new software and support.
You have to give it to Microsoft for chalking out a long term strategy across 82 countries.
Will this affect Open Source? One would be tempted to answer 'yes' but in the long run, this competition is actually good for the community. It will make them push the bar even higher resulting in better products.
Competition is always good.
More Comic Relief
A few days ago, our coworking office got colourful, thanks to a certain TinTin, Dilbert and Homer Simpson. This was our second installment of comic poster collection.
The entire portrait was created from scratch by our designer, Rajesh. We got it printed at a great place in North Usman Road, T.Nagar called GLO. They have this really fancy machine who's printing quality that I'm always impressed with. After a week of anxious wait, the poster got framed. Got it done at United Brothers who's shop is conveniently located close to the printer. Seen here is the person carrying the finished product to my car.
Transported them safely across.
It was past midnight by the time we got down to drilling holes and nailing. Huge dollops of appreciation to the neighbours who understood our need to create a racket at wee hours. We warned them up sufficiently in advance and that helped. We wanted the painting to be done before Jimmy Wales' visit and the start of Wikipedia Academy.
The Academy in progress and the painting looked real good. Today, I was browsing through the Economic Times in Bangalore and they had a nice colourful picture of the hall with the poster. You should have seen me beam.
Jimmy at our office. Love that dilbert Simpsons picture behind him.
The last two pictures from Jaggy's collection of photos from Wikipedia Academy.
This is One Pissed House Owner!
The message on the wall translates to, "The Place Where Dogs Piss" !
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text: P {margin-top:0;margin-bottom:0;} According to FDA officials, most spurious and adulteration cases are being reported in mustard oil. It is found that oil traders are mixing rice bran oil in mustard oil in more than permissible limits to make profits. Traders are also seen mixing palm oil in edible mustard oil which deteriorates the quality. Notable, an oil trader of |Mohanlalganj has been sentenced to one year imprisonment after his oil samples were found spurious.


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OCLC newsletters provide focused, local information about OCLC programs and services—and what's happening in libraries—in different parts of the world: Australia, Canada, China, Germany, the Netherlands, New Zealand and the U.K. From interviews and feature stories to training schedules and special offers, regional newsletters keep you informed about what's happening near you.
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In this issue: Four new members take seats on OCLC Board of Trustees; PRG publishes International Research Library Benchmarks; Lorcan Dempsey's insights into the future of libraries captured in new book; Support scientists around the world
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In this edition of eNews: learn about the EZproxy 5.7.42 release; explore WorldCat collections of distinction; and much more.
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Welcome to eNews 41!
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Shows > Style Stage
Style Stage Documentary
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Welcome to Style Stage, Noisey's new style section, in partnership with Garnier Fructis. We're kicking things off with a feature documentary, which you can watch above.
Here's why we started Style Stage: Our friends at Garnier Fructis brought to our attention a basic fact: Hair has played a pretty major role in the expression of musical artists and the evolution of pop music since its inception.
Think about it: Little Richard's pompadour, Michael Jackson's jheri curl, or whatever is happening on top of Diamond Rings. There are songs about hair, like Rush's "I Think I'm Going Bald" or Zeppelin's "The Girl I Love She Got Long Wavy Black Hair." Once we started to see it, we couldn't unsee it, and we started to realize that bands' and fans' hairstyles have pushed music and culture forward in a major way. We're extremely excited to tell that story, and to shine light on the past and present of music, hair, and style.
Also, for some reason, this story has really never been told, so we figured we should be the ones to tell it. In addition to the documentary, we're excited to share a music video series, daily editorial, and some amazing new video franchises. We're also going on a college tour this spring searching for one guy and one girl to be the host of one of our new shows, and we want it to be you, because you probably have better style than all of our editors combined. More info on that later. For now, enjoy the documentary, and stay tuned to Noisey for more style-centric music coverage!
We Talked to Jesse Frohman - the Photographer of 'Kurt Cobain: The Last Session'
This Week in Music and Fashion: Solange, Foo Fighters, Rihanna, and More
What Musicians Were Wearing and Sharing on Instagram This Week 11/23
Style Rider: Foxygen's Tour Essentials Include Glitter Makeup and Silver Pants
More From This Show
Revisit the Art of Underworld's 'Dubnobasswithmyheadman'
Here's an inside look at the reissue of Underworld's classic 90s album.
Jarvis Cocker Goes through His Wardrobe in this Clip from 'PULP: a Film about Life, Death & Supermarkets'
This is less about Jarvis' clothes and more about medicine really…
Metronomy x Marion Cotillard x Dior = OMFG YES
Screw Jesus, Marion Cotillard can walk on water too.
Face It: S Club 7 Is Responsible for the Way We Dress Now
Coming to terms with all of the trends they started.
What We Learned from Ariana Grande and The Weeknd's Video for "Love Me Harder"
"Can you feel the pressure between your hips?" Erm…
Lorde Takes Interpretive Dance to the Next Level in Her Video for "Yellow Flicker Beat"
It's a seizure, it's an exorcism, and Lorde doesn't give a flying fuck what you think.
The New Normal: When Musicians Masquerade as Regular Folk
Tracing the trend of artists dressing like us mere mortals in music videos.


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According to BigFish games, 58% of Americans play video games, with 68% of that population older than 18. In fact, the average age of a video gamer is 35 – a key demographic we'd all like to include in our association's ranks, right? Why are games so popular, and how can we leverage gamification for [...]read more
In this hectic world of on-the-spot access to information, conversations held in 140 characters or less, and instant picture uploads, Instructional Designers are faced with the challenge of designing effective learning that won't overload learners. The heart of this challenge is finding the learners' motivational sweet spot. To the Instructional Designer, this means figuring out [...]read more
"If you don't know where you are going, you'll end up someplace else." ― Yogi Berra If you've been tasked with implementing your association's eLearning what are you going to do to make sure you don't end up some place else? Here is my perspective on setting up your association's eLearning: Assemble Your Assets Team [...]read more
We are currently in the Information Age and have had computer technology at our finger tips for nearly five decades. By now, most organizations have at least experimented with online learning in one way or another. Online education used to be limited to "Members-Only" webinars. In recent years, online education (also known as eLearning, distance [...]read more
Having a solid foundation in PowerPoint is a must when using rapid content authoring tools to create online learning. Many rapid content authoring tools are either based on or an add-on to PowerPoint (PPT), including: Adobe Captivate, Articulate Presenter, iSpring Presenter, Articulate Presenter, Articulate Storyline, as well as Digitec's own Direct-to-WEB. If you're not an [...]read more
This month Digitec Interactive is honored to be featured as a guest author on the Event Garde blog. Association eLearning: What You Need To Know by Sarah Lugo, features practical tips and tricks for getting started with online learning and shares the secret to giving members what they want. If you haven't already, please check out [...]read more
You're getting ready to launch a brand new online course or webinar series for your members and there's just one last thing to do – decide how much you will charge for it. Should you charge at all? Maybe you should charge non-members one price and offer a discounted price to members. How do you [...]read more


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Political and Economic Research Council
- Not to be confused with the Property and Environment Research Center.
|Results and Solutions
|Public Policy Think Tank
|302 East Pettigrew Street, The Venable Center Ste 130
|Dr. Michael Turner
|This article appears to be written like an advertisement. (December 2013)
The Policy and Economic Research Council (PERC)[1] (formerly known as the Political and Economic Research Council) is a Durham, North Carolina based non-profit, non-partisan think tank that concentrates on market-based economic development, both in the United States and internationally. PERC is a primary innovator and leader in the field of alternative data,[2] and has spearheaded information-led development[3] as a means for effective community economic development. PERC's experts have published a number of reports, presented findings worldwide, and testified before the United States Congress on a variety of issues. PERC scholars also serve as expert witnesses in matters pertaining to the Fair Credit Reporting Act, consumer credit, credit reporting and credit scoring, and the value of information sharing in commercial varying contexts. PERC is a 501(c)3 non-profit centrist enterprise.
- 1 History
- 2 Members
- 3 Mission
- 4 Areas of interest
- 5 Initiatives
- 6 Global footprint
- 7 Supporters
- 8 See also
- 9 References
- 10 External links
PERC was founded as the Information Policy Institute in 2002 in New York City.[4] It first entered national prominence through its involvement in the reauthorization of the Fair Credit Reporting Act in 2003. PERC produced Access, Efficiency, and Opportunity for the U.S. Chamber of Commerce.[5] This report was the most cited document during the Congressional debate on credit that resulted in the adoption of all of PERC's policy prescriptions.[6] In 2004, PERC helped to rationalize the free credit provisions of the FACT Act. PERC's research assisted in the reopening of financial data sharing in Australia and led to a Parliamentary inquiry into credit reporting.[7] In August 2008, the Australian Law Reform Commission advocated that Australia follow many of PERC's recommendations.[8]
In 2006, PERC published Give Credit Where Credit Is Due with The Brookings Institution, helping to reignite interest in the idea of alternative data.[9] PERC remains very active in the field through its Alternative Data Initiative.[10][11] PERC also has a long-running interest in the economic recovery of the Gulf Coast after Hurricane Katrina. PERC has released a number of surveys and reports on small business recovery in the region.[12][13] PERC has released studies for the governments of South Africa, Brazil,[14] Japan,[15] and several Latin American markets as a whole.[16]
In September 2009, Dr. Michael Turner was selected to be a fellow at Ashoka: Innovators for the Public, which solidified Ashoka's support for PERC's Alternative Data Initiative.[17]
The organization relies on a staff of highly qualified individuals and staffs specific projects with the top talent in the field through its adjunct fellow program.
Advisory Board[edit]
PERC's board includes:
- Chairman Michael Turner - President, PERC
- Robert Aiello, Managing Director - Sucra, Rise & Partners LLC,
- Jennifer Barrett - Global Privacy Officer, Acxiom Corporation
- Kenneth Brown - President, Technology Alliances Inc.
- James Gutierrez - CEO, Progress Financial Corporation
- Eric Idehen - VP and Diversity Consultant, Wells Fargo Financial Inc.
- Michael Nathans - President, Penn Capital, Inc.
- Eli Noam - Director, Colombia School of Tele-Information; and Professor of Finance and Economics, Colombia Business School
- Kathrine O'Neill - Associate Professor, Dept. of Environmental Science, Policy & Management, University of California-Berkeley
- Harold Solomon - Chief Operating Officer, Rent Bureau LLC
- Jennifer Tescher - Director, Center for Financial Services Innovation.
PERC's executive officers include: President and CEO Michael Turner, Ph.D., Director of International Operations and COO, Robin Varghese, Ph.D., Director of Research and CFO, Patrick Walker, and Director of Scientific Intelligence, Edward M. Roche, Ph.D.
PERC also employees the expertise of Senior and Adjunct fellows. Senior fellows include Joseph W. Duncan, Ph.D., Sukanya Chaudhuri, PhD., Michael G. Nathans, and Gabriel Davel. Adjunct fellows include Wedge Greene, Murilo Pereira, Walter Kitchenman, and Haydé Navarro Alvarez Tostado.
Dr. Michael Turner[edit]
Dr. Michael Turner, President and Senior Scholar of PERC, founded the Policy and Economic Research Council in 2002. He is a prominent expert on credit access, credit reporting and scoring, information policy, and economic development. He has testified before Congress and numerous state legislatures, and presented studies to a host of government agencies including the Federal Trade Commission, the Federal Communications Commission, and the Federal Deposit Insurance Corporation, the Federal Reserve Board of Governors, the Council of Economic Advisors, and the White House.
Dr. Turner was appointed to the first Data Privacy and Integrity Advisory Committee of the Department of Homeland Security by former Secretary Tom Ridge, and served on an Advisory Board at the Brookings Institution. He has advised senior government officials in more than 20 countries, and was a policy advisor to the Obama Campaign on urban policy.
The author or co-author of dozens of books, studies, and articles, Dr. Turner is widely cited in the mainstream and trade media. He is a highly sought after public speaker who has addressed audiences worldwide. Dr. Turner has served as expert witness for both plaintiff and defense in several federal cases (class action, anti-trust) involving information policy, consumer credit, credit reporting and financials services.
Dr. Turner has also served as Graduate Fellow at the Columbia Institute of Tele-Information at the Columbia Business School, Executive Director of the Information Services Executive Council, manager of government affairs for the North American Telecommunications Association, and staff assistant in the U.S. Senate. Dr. Turner received his Ph.D. from Columbia University in International Political Economy and his B.A. from Miami University in Economics. He was awarded a Yeck Fellowship from Harvard Business School, as well as the Ashoka Foundation Fellowship in 2009.
PERC seeks to increase financial inclusion globally by more than any institution on Earth. Credit invisibility, which is the lack of lender access to predictive information about borrower risks or credit scores, denies millions the access to loans and modern financial services. By working with policymakers, credit bureaus, and industry leaders, PERC shows the financial benefits of using alternative data (rent, telecom, and/or utilities payment records) to judge credit. These benefits do not just extend to the Credit Invisible population, but to all individuals, and the credit bureaus themselves. By demonstrating the efficacy of alternative data and coordinating the responsible sharing and use of it between all parties involved, PERC drives global progress by bringing underserved and low-income individuals into the modern financial fold.
Areas of interest[edit]
Solutions development[edit]
PERC galvanizes markets by developing and implementing innovative information solutions to financial access problems. Working with leaders in both public and private sectors such as (information services firms, credit bureaus, IT companies, and government agencies), PERC delivers alternative data networks, manages the development of credit bureaus, helps expand credit services, and similar projects. Our work with these partners also helps PERC create alternative data scorecards and credit capacity assessment tools (income and employment verification). PERC also advises governments, credit bureaus, and lenders, as well as managing and implementing public policy and media relations efforts around specific policy outcomes. Through these extensive efforts, PERC expands alternative data reporting and, therefore, increases financial inclusion across the globe.
Economic impact analysis[edit]
PERC researchers design and implement a variety of economic impact analyses, measuring effects from the individual to the macro-economy level including:
- Performance metrics (individual to macro)
- Segmentation analysis (socio-demographic)
- Financial vulnerability indices
- Economic recovery dashboards
PERC researchers have carried out a variety of economic impact analyses. Specific expertise has been developed in understanding the social and economic impacts resulting from data expansions (e.g., the impact on national economies, consumers, and lenders when changing national credit reporting regimes) and data contractions (the impact upon the national health care system from prohibitions on the commercial use of prescriber identifiable data).
PERC's ground breaking study on alternative data, Give Credit Where Credit is Due, used advanced analytical tools to calculate the effects on consumers and lenders of including alternative data in credit files. PERC's research routinely involves the manipulation, cleaning, merging and analysis of large and complex data sets, consisting of millions of observations. PERC's impact analysis usually goes beyond basic estimates of economic outcomes and includes detailed breakdown of findings and segmentation analysis (socio-economic impact analysis).
PERC's reports can be customized for any type of reader, including policymakers, technocrats, the media, and a general audience. This makes PERC's findings accessible to all, allowing our key studies to gain traction in various spheres of influence so as to increase financial inclusion.
Public policy research[edit]
Since 2002, PERC has released dozens of quantitative policy studies that have had real impacts on national, state, and international policy outcomes. Most significantly, in 2003, PERC published a report quantifying the economic and social impacts of the 30 year-old FCRA national credit reporting regime. This report was the most cited document during the Congressional debate that resulted in the full adoption of all of PERC's policy prescriptions by Congress as embodied in the Fair and Accurate Credit Transactions Act (FACT Act). PERC has worked for the South African government to produce a report to identify unused data sets that could be collected for small and medium enterprises risk-assessment and credit extension. PERC's research has assisted credit reporting reform in Brazil, Australia, and Singapore, as well as aiding policy advocates and reformers across Latin America. PERC has conducted quantitative research on the impact of proposed changes to regulations covering the credit industry at the request of the Federal Reserve Board.
Advocacy and Outreach[edit]
Given the range of legitimate concerns about the collection, storage, use and resale of sensitive data—against a backdrop of technological advances making possible large scale and sophisticated data analytics solutions known as "Big Data"—ensuring that policy is appropriately calibrated is critical. PERC has a veteran team of experts who are adept at public speaking, delivering testimony, and crafting messages for key policymakers. PERC scholars have testified before the United States Congress, as well as having educated members of both parties in the United States Congress, state legislatures, and senior officials with dozens of governments spread across five continents.
PERC scholars have worked to educate all levels of government officials, effectively interact with the media, and convey critical information to the general public. PERC scholars have been interviewed by USA Today, The Economist, BusinessWeek, Time Magazine and The National Journal, among other publications, and by various radio and television programs, such as C-SPAN and SkyNews. Releases of PERC reports coincide with increased local interest, such as interviews on local radio stations and news channels. PERC's Gulf Coast Economic Renewal reports have been met with such local interest that their roll-outs have been standing room only and their findings reported on the front page of USA Today's business section.
Financial infrastructure advisory services[edit]
PER has worked with governments in developed and developing nations to reform their national credit information networks and payment systems. Whether building a credit information sharing system from scratch, or simply fine tuning an existing network, PERC can customize a team of experts with the necessary experience
Expert witness services[edit]
PERC scholars have testified as expert witness in several major cases, including a federal anti-trust case, two federal cases involving first amendment issues and the health information industry, and cases in lower courts involving consumer credit issues.
Areas of expertise include:
- Fair Credit Reporting Act (FCRA)
- Consumer and commercial credit reporting
- Consumer or retail credit
- Economic and social impacts from data expansions/restrictions
- Data privacy and data security
- Information policy and the economic value of information flows
Event programing[edit]
PERC has hosted a number of successful international conferences. In 2008, PERC, along with Peking University, hosted a blue-ribbon conference in Beijing on credit reporting reform in China. Scholars from five continents were invited to speak. Bankers, academics, and government policy makers in China heavily attended. PERC has also hosted a number of conferences for its Alternative Data Initiative that bring together representatives from the credit reporting agencies, utilities and telecoms, government regulators, consumer advocates, and analytic firms.
Application development[edit]
PERC has a proven track record of developing economic "dashboards" for monitoring both long- and short-term changes in the economic well being of families, communities, and small businesses exposed to exogenous shocks (e.g. hurricane, plant closing). Developing financial vulnerability indices to help communities adjust business portfolio to minimize losses from exogenous shock. PERC's disaster recovery dashboard has already been adopted by the World Bank for use in emerging markets. Developing and testing community economic development program metrics that rely upon granular data sets and that provide near real-time measures of program efficacy. This enables development agencies to identify unmet needs, assess the relative efficacy of varying programs, and more efficiently allocate scarce resources across competing program needs. This also increases transparency and accountability for funders.
Besides previous work in data privacy and information policy, PERC has a number of currently active projects:
Alternative data initiative[edit]
Up to 54 million Americans have insufficient credit information to qualify for mainstream credit.[18] PERC has been promoting the full reporting of customer payment data—both positive and negative data—by energy utility and telecom firms to credit rating agencies as a way of helping millions of Americans quickly build a positive credit history and enable them to access affordable credit. PERC has published three major reports on the issue: Giving Underserved Consumers Better Access to the Credit System, Give Credit Where Credit is Due (with the Brookings Institution), and You Score, You Win. PERC also conducts extensive outreach, including testimony in front of Congress.[19] PERC works with the three major credit reporting agencies, TransUnion, Experian, and Equifax, as well as consumer groups, asset building organizations including the Corporation for Enterprise Development CFED, state and federal legislators, and regulators as part of its Alternative Data Initiative.
In the Fall of 2009, owing to the promise of the Alternative Data Initiative, the Ashoka Foundation named PERC founder Dr. Michael Turner a United States Ashoka Fellow. This is the highest honor that can be bestowed upon a social entrepreneur, and is indicative of the great potential PERC's ADI holds to dramatically increase financial inclusion in the US and globally.
Information-led development[edit]
PERC also conducts research in international economic development. PERC scholars have conducted research and outreach in Australia, New Zealand, Japan, Colombia, Guatemala, Honduras, Trinidad and Tobago, Brazil, China, India, Sri Lanka, Mexico, Costa Rica, South Africa, Russia, and Singapore. PERC founded the Asia-Pacific Credit Coalition to promote regional credit reporting standards.[20] In March 2008, it hosted an international experts conference on credit reporting in China with Peking University.[21] PERC has been retained by the National Credit Regulator of South Africa to conduct research on SMEs, the Inter-American Development Bank to assess credit information sharing in Mexico, and the Kenyan Credit Information Sharing Initiative of the Kenyan Bankers Association and the Central Bank of Kenya to assess a first-ever credit information sharing pilot in Kenya.
In addition to their policy work, PERC, through its double bottom line for-profit Credit Risk Management International (CRMI), has been actively developing market solutions to credit access challenges in emerging markets, including Kenya and China. PERC is partnering with SinoCred, an intermediary organization in China, to facilitate the rapid build out of a credit information sharing system and the proliferation of value added services that will dramatically expand credit access in China.
Gulf Coast economic renewal[edit]
PERC President Michael Turner co-authored an op-ed piece on credit impacts of Hurricane Katrina.[22] Interest from this piece led PERC to partner with The Brookings Institution to do a study on the economic effects of disaster on communities. PERC has authored two surveys of small business owners, Recovery, Renewal, and Resiliency' and Recovering But Not Recovered. Research conducted jointly with The World Bank represents the first time in its history that the World Bank has engaged in research focusing upon the United States. They released a report on the credit impacts of disaster,[23] and are working to provide a recovery monitoring dashboard.
Asia Pacific Credit Coalition[edit]
Asia Pacific Credit Coalition (APCC)[24] is a PERC-managed coalition of organizations that work together to promote a regional standard for full-file, comprehensive consumer credit reporting to private credit bureaus within the twenty-one Asia-Pacific Economic Cooperation (APEC) member states. For the past 7 years, PERC and the APCC has generated cutting-edge research to promote reform within member states and elevated awareness of the significance of credit information sharing. THE APCC has also implemented regional stands for credit information sharing while driving credit reform in member economies. The Asia-Pacific Credit Coalition was acknowledged for its influence on the current credit reporting reforms in New Zealand.[25]
The APCC members believe that credit reporting should be based on the following general principles:
1. Both positive and negative credit and payment data should be reported to consumer reporting agencies;
2. Recognizing that the individual is owner of their own credit information,consumer rights and protections are paramount. As such, the OECD Fair Information Principles, including notice, access, choice, correction, and redress, should be judiciously applied and shall serve as the foundation of any regional consumer credit reporting standard.
3. A private credit bureau and a public credit registry are complementary to one another and each play distinct and vital roles in a vital financial services system;
4. Reporting of credit and payment data should be done on a voluntary and not mandatory basis;
5. Access to credit and payment data should be universal to all those with a permissible purpose regardless of whether they report the type of firm.[24]
Economic Development Metrics[edit]
The Economic Development Metrics (EDM) Project is a project developed to better measure the impacts of community development programs enacted by non-profit organizations like the United Way of America. Since community development groups have been slow to adopt the latest information technology advances, they usually use prevailing "outcomes based" measures. These measures often lack full quantitative rigor; therefore, they inhibit better monitoring, benchmarking and impact analysis. By offering better measuring techniques, PERC is able to produce the transparent and measurable results donors and government sponsors are looking for.
Global footprint[edit]
PERC has engaged in projects in the following nations:
PERC receives funding and support from the following foundations, corporations, and governmental organizations.
See also[edit]
- alternative data
- Ashoka Foundation
- The Brookings Institution
- The World Bank
- Fair Credit Reporting Act
- FACT Act
- The Corporation for Enterprise Development—an asset building advocacy group and long-time supporter of PERC's ADI
- The Center for Financial Services Innovation—A Chicago-based consultancy working in similar issue areas to PERC focusing on the demand side of alternative data
- ^ "Policy and Economic Research Council".
- ^ Business Week, The Credit Rating in Your Shoebox
- ^ "PERC- Information Led Development".
- ^ www.infopolicy.org, About Us
- ^ The Fair Credit Reporting Act: Access, Efficiency & Opportunity, Information Policy Institute, June 2003
- ^ Bureau of National Affairs, "Financial Institutions--White House Said Planning FCRA Strategy; Johnson Says Business Community Divided"
- ^ Financial Review, No clear case for deposit insurance
- ^ Dun & Bradstreet, Law Reform Commission calls for reform of credit reporting laws
- ^ The Brookings Institution, Give Credit Where Credit Is Due
- ^ "PERC's Alternative Data Initiative".
- ^ "PERC's Alternative Data Initiative Project".
- ^ USA Today, http://www.usatoday.com/money/smallbusiness/2007-08-28-katrina-finances_N.htm
- ^ "Gulf Coast Economic Renewal".
- ^ Valor Econômico, PIB pode avançar mais de 1% com cadastro positivo
- ^ PERC, On the Impact of Credit Payment Reporting on the Financial Sector and Overall Economic Performance in Japan
- ^ PERC, Economic Impacts of Payment Reporting Participation in Latin America
- ^ "Ashoka-Dr. Michael Turner".
- ^ Boston Globe, Verizon's 'free gift' to customers: Giving payment data to credit bureaus
- ^ C-SPAN, Credit Scoring System and Credit Scores - Panel 1
- ^ www.apeccredit.org
- ^ PERC/PAFIRC Call for Papers
- ^ National Business Review, "Making a Better Life: Preparing for the Post-Katrina Personal Finance Crisis"
- ^ PERC, The Financial Impacts of Disaster
- ^ a b "Asia Pacific Credit Coalition".
- ^ "APCC-News Release".


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Aussie 'Antichrist' Poster Will Cut Your Mind in HalfMovie Marketing By Scott Beggs on September 13, 2009 | (12) Comments
I've already heard too much about Antichrist. Whether it be from critics twatting all over twitter about it or from random people talking about what scissors are used for, I've sadly overheard things that I'd rather not know before heading into a darkened theater.
So I plan on saving you all from that fate. Luckily, knowing nothing about the movie as you hopefully do, this poster is still incredibly creepy.
[Clicking Makes it bigger!]
Your guess is as good as mine as to what that string-esque entity under the scissors is. Shoelace? Skinny stain? Mini-umbilical cord?
I know what I'm crossing my fingers for? Thank goodness the Aussies can handle a little abstract marketing.
What do you think?
Source: ShockTilYouDrop
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Children and family are very important to our church. One of our strongest desires is to teach the next generation about what God has done for mankind through the gospel of Christ. On Sunday mornings your kids will enjoy classes for all ages between our two worship services. During the worship services, we offer childcare for kindergarten ages and younger. We also have a tremendously popular Awana program Sunday afternoons as well as Youth Group on Wednesday evenings. Your kids will enjoy themselves as they learn to know God better.
For Your Kids
Youth GroupThe Blue Ridge Youth Group meets every Wednesday night at the church at 7pm for worship, teaching and study, small group discussion, and fellowship. All youth grades 7th through 12th are welcome!
AwanaEach week almost 200 kids meet to play crazy and fun games, laugh together, and learn the Bible in a safe and friendly environment. AWANA currently meets on Sunday afternoons, from 4-5:30 p.m. Each meeting consists of a lesson and Bible study for each age level, a combined devotional time with all age groups, and then competitive games.
Sunday ClassesWe provide classes for children of all ages on Sunday mornings. Your children will enjoy learning truths about God from teachers who are passionate about sharing the love of Christ with them in a fun and engaging environment.
The most effective children's ministry is a spiritually growing mother and father. As a body we are seeking to administer God's grace to and through families. Our youth ministries are designed to come alongside parents and reinforce the spiritual teaching they are providing their children at home as well as provide unique opportunities for our youth to learn and minister in community with the larger body of Christ.
Church Sponsored Activities
Youth blog archive
- Youth News – November 20, 2014
Couple things I'd like to highlight this week: 1) This Saturday please consider helping with Melissa Jessberger's project and 2) If you have any ideas for the New Year's Eve [...]
- Youth News – November 13, 2014
It was nice to get back into the normal swing of things last night. Last night our topic was prayer for the persecuted church. Here is one of the powerful [...]
- Operation Christmas Child!
Awana invites the entire congregation to join us in participation with Samaritan's Purse Operation Christmas Child. OCC is dedicated to demonstrate God's love in a tangible way to needy children [...]
- More Youth posts from the blog
- Youth News – November 20, 2014