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Joel Blanco-Rivera
Joel Blanco-Rivera
Assistant Professor
Joel A. Blanco-Rivera earned his doctorate from the University of Pittsburgh School of Information Sciences. His research interests are the study of the relation between archives and transitional justice in Latin America, government accountability, government secrecy, and social memory. He has an MSI with specialization in archive and records management from the School of Information at the University of Michigan. From 2004 to 2005, he was a lecturer at the University of Puerto Rico's Graduate School of Information Sciences and Technologies, where he taught courses for the certificate in archives and records management. His dissertation research is a case study of the work of the National Security Archive in the context of transitional justice in Latin America. It focuses on the efforts of this organization to obtain U.S. declassified records for investigations about past human rights violations in Latin America. He has been teaching in the archives area at Simmons since the spring of 2012.

subset: commoncrawl


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Stephanie Steinberg, wtop.com
WASHINGTON - Lisa Ramish's family and friends crowded around a yellow cake topped with a pink and blue sugar booties. The words "It's a " held everyone in suspense.
The small party whipped out their iPhones and laptops to FaceTime and Skype with relatives and friends in other states who couldn't be there in person to witness the moment. Lisa tilted the cake toward a laptop on the table so her brother-in-law could see what the dessert looked like from Nashville.
Once everyone was called in, Dan wrapped his left arm around his wife, already showing a bulging belly, and grabbed the silver cutter Lisa held with her right hand.
Everyone held their breath as the couple slowly sliced into the icing.
The Ramishes are just one of the many expecting parents in the D.C. area who are choosing to learn the gender of their baby in a non-traditional, and arguably more creative, way. Instead of learning the news in a sterile hospital room from a doctor, couples are gathering in the comfort of their homes with family and friends their eyes glued to a cake rather than a sonogram for proof that it's a boy or girl.
"It's nice to do with friends and family instead of with a doctor," says Dan, 32, who lives with Lisa in Anacostia in Southeast D.C. and is eagerly awaiting the arrival of his first child. "Some people are closer to their doctors, but certainly, when you can invite anyone you want, you make sure people who are important to you find out when you find out."
These baby gender-reveal parties typically involve a cake or cupcakes with generic baby decorations on the outside. The inside has pink or blue icing or batter to indicate the gender.
The parties are a newer trend in the D.C. area, says Randi Brecher, who's managed a bakery the past 30 years and is owner of Creative Cakes in Silver Spring, Md. Brecher says her first request came about a year ago, and she's made six reveal cakes since then.
"It's a different twist to something we've been doing for many years it just adds more excitement to an everyday party," Brecher says.
While some reveal cakes hide a bright blue or pink hue center, Leslie Poyourow, owner of Fancy Cakes by Leslie in Bethesda, Md., only colors the inside icing. Otherwise, the batter just doesn't look right.
"You'd have to put a ton of blue in the cake to make it look good, and with the butter, it can almost turn green," she says.
Poyourow has received about one baby gender-reveal cake order a week in the past few months. While she's used to making extravagant cakes in the shape of Redskins helmets - and even a replica of the Vatican for the Pope's 81st birthday - these cakes are more subdued, with simple baby blocks, pacifiers and teddy bear decorations that are gender-neutral.
"They haven't been wow' cakes," she says, explaining that most of the orders are for small parties with family and friends who are more interested in the inside than the outside.
Sophie LaMontagne, co-owner of Georgetown Cupcake with her sister Katherine Kallinis, wrote in an email that they started making gender-reveal cupcakes when they opened their business in 2008. The cupcakes are filled with blue or pink buttercream and topped with vanilla frosting and a fondant yellow duck.
"When people bite inside, they will see either the baby pink or baby blue buttercream and immediately know if it's a boy or a girl," LaMontagne says.
In the last few months, LaMontagne says she's received about 50 orders a week for gender-reveal parties. Her sister, who is expecting a baby, will have the gender-reveal cupcakes at her baby shower and plans to share the reveal moment with the world since it will be filmed for their reality television show "DC Cupcakes" on TLC.
Though they were unheard of to local bakers a few years ago, these parties are certainly catching on across the country. A New York Times article from April states that 1,800 gender-reveal videos were uploaded to YouTube by parents all over the United States in the previous six months.
"It's really becoming the new trend. A lot of parents are opting to find out this way," says Maurice Holmes, co-owner of Sweet Themez in Adams Morgan in Northwest D.C.
Holmes' wife and co-owner Adrienne baked and decorated the reveal cake for the Ramishes and has made several in the past few months. One looked like a baby face while another was in the shape of a onesie half-pink, half-blue with a question mark on top. A third had a gift box with the words "He? She? Open to see!"
In most cases, the parents already know the gender and order the cake to surprise their family and friends, Adrienne says. But couples sometimes drop off an envelope with the gender written inside from the doctor.
The Holmes say there's more pressure to make the cake right than with a typical wedding or birthday cake.
"They're depending on us to tell them what the gender of their baby is going to be, so that's a huge responsibility," Maurice says.
It's a responsibility Lisa didn't take lightly. She called several local bakeries that didn't understand her request before she found Sweet Themez.
"You don't want to ask someone to do it who would mess it up and tell you (the wrong gender) by accident," she says.
Lisa, an eighth-grade math teacher at KIPP DC AIM Academy, went all out for her party baking mini tacos and serving baby deviled eggs, along with raspberry and blueberry punch.
"Ice Ice Baby" played in the background. Pieces of paper with various gender-related facts were posted on the yellow walls. A paper taped to the TV said: "Brad Pitt was the first man to star in a Chanel #5 ad." A half-pink, half- blue vote board was propped in the living room for guests to pin their names on and vote for the gender.
One of the guests joked this vote was more important than her vote in the presidential election.
Lisa guessed it was going to be a boy, since her husband's family has a slew of them. (Dan has three brothers, his father has two and one of his brothers has a son.)
Lisa's sister Ruby Sabina, 25, a nursing student at Montgomery College, was on the fence.
"I think that it's just time for another girl. I really do. Also because Dan is so convinced that it's going to be a boy, I think I have to root for a girl," she says, after biting into a mini-Hostess cupcake Lisa made with pink or blue icing inside. It was blue.
After playing games like listing as many gender-neutral names as they could in one minute, a bubbly Lisa proclaimed it was time.
Lisa and Dan pulled away the silver cutter to reveal flakes of bright blue cake batter. The room erupted in cheers, clapping and camera flashes as Lisa and Dan beamed and then exchanged a kiss.
Soon-to-be grandmother Ann Ramish, 59, of D.C., thinks it was a creative way to find out the boy streak would continue and that she was having a grandson.
"That blue is pretty predominant," she says. "There wasn't any question after the first cut."
Becky Edmonds, Lisa's 15-year-old sister, was convinced it was going to be a girl, since the rest of her family was predicting a boy. But she's not disappointed.
"I don't care which one it is," she says, her tongue a bright blue from the cake. "I'm so excited because I'm going to be the best aunt no matter what gender it is."
Lisa and Dan couldn't stop smiling.
"Up until the child has a gender, they're a lot more abstract," Dan says.
"It will be an adventure," Lisa adds. "I don't know a lot about boys."
"But I know a lot about boys, so it will work out," Dan teasingly responds. As for the cake, Dan compared it to a red velvet only blue cake and devoured every morsel.
Lisa, on the other hand, didn't have a bite. The baby boy has repressed her dessert cravings the past few weeks.
"I just don't like sweets anymore," she admits, looking down at her belly. "I used to love them."
Related Story:
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(Copyright 2012 by WTOP. All Rights Reserved.)


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Kevin Spacey Gossip
Kevin Spacey gossip, latest news, photos, and video.
So he's not John Travolta?
December 16, 2010 12:16:57 Posted at December 16, 2010 12:16:57
Mad props to the journalist at The Daily Beast who had the balls to do this because trust me it's not usually allowed. And if it's attempted, that person is usually threatened with medieval sh-t in the back room. Can you imagine if someone did this to John Travolta? So Kevin Spacey is currently promoting a movie called Casino Jack. Full Story
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October 15, 2009 08:00:00 Posted at October 15, 2009 08:00:00
As you saw yesterday, George Clooney was accompanied last night in London by his Italian Queen Elisabetta Canalis and they hit up the afterparty together to meet up with Cindy Crawford, married to Clooney's bff Rande Gerber who doesn't appear to have made the trip. As some of you have noted, Eli resembles Cindy. Full Story


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A nagging spouse might be good for your health
WTOP's Joan Jones
'Redneck Games' celebration kicks off in Frederick, Md.
WTOP's David Burd reports
4:20 p.m. - Danielle Kurtzleben, business and economics reporter for U.S News and World Report
Could the federal budget debate and shutdown frenzy stimulate the economy?
12:50 p.m. - Nycci Nellis of 'The List Are You On It'
D.C. restaurants are offering new fall brunch menus
12:20 p.m. - Deborah Kotz, health blogger for Boston Globe
You'll find new vaccine options as flu season approaches
11:20 a.m. - Eldad Moraru of Long and Foster
"Mini apartments" are starting to pop up in the District
10:50 a.m. - Bob Schieffer of Face the Nation on CBS
Schieffer dreams of a different kind of Congress
9:50 a.m. - Ken Walsh, US News & World Report
The showdown over a shutdown
9:20 a.m. - Matt Roush, entertainment editor, TV Guide
The 'Breaking Bad' finale and a night full of premieres including the third season of 'Homeland' and the new 'Masters of Sex'
8:20 a.m. - Paul Bedard, Washington Secrets columnist for The Examiner
A poll on the increasing conservatism of the Republican party and the 2016 race
7:50 a.m. - David Alpern, host of For Your Ears Only on Federal News Radio
The terror attack in Kenya and discussions with Iran
Controversial 'Kings Dominion Law' prompts debate
WTOP's Hank Silverberg reports


text:
WASHINGTON - Maryland leaders are confident the Purple Line from Bethesda to New Carrollton will open by 2020.
After a meeting with federal transportation officials in the District Monday, Maryland Lt. Gov. Anthony Brown tells WTOP he talked with them about "the full range of what that partnership looks like."
"We think we're going to be able to make tangible progress, so that by the end of next year, we will have identified the project developers [and] the managers and be well on our way to delivering the project," Brown says.
Brown met with U.S. Department of Transportation Deputy Secretary John Porcari and Federal Transit Administration Administrator Peter M. Rogoff. Porcari is a former Maryland transportation secretary.
The Purple Line, Baltimore's Red Line and other major transportation projects are among those still on the table after state lawmakers passed new gas tax hikes that will begin phasing in this July.
The funds will pay for transportation maintenance and construction.
"Any time you ask residents to pay more at the pumps, or more in taxes, it's incumbent upon us to demonstrate what the benefits are," Brown says. "When we point to projects like the Purple Line that will enable us to increase mass [transit] ridership, get people off the road, spending more time being productive or at home, it's certainly more acceptable that we're asking them to pay more at the pumps."
State officials are hoping for some federal funding for the Purple Line project -- the same type of funding recently denied for a streetcar line in Virginia's Columbia Pike corridor.
The Purple Line -- a 16-mile light rail that will provide connections to various transit systems -- has been in the works for at least 10 years.
The Associated Press contributed to this report. Follow @WTOP on Twitter.


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Wheres Draego Man been? lol His posts are always fun around this time. I havent seen him on since Powercon reveals...
Goat Man is the MOTUC 2014 Traveling Con Exclusive! Im officially the happiest boy in the whole world.
Here is something interesting given the answers to Kastor's Korner. TG states that 2013 was locked in over a year ago. So, 2013 was locked in at the latest in October 2011. It is also stated that 2014 has not been locked in yet. However, if 2013 is like 2014, then 2014 should be locked in by now given the schedule. This leads me to wonder when 2014 will be commented upon?
Because Batman is that awesome.
Can someone PM me the US number for Matty? I want to talk to someone who might has a clue of what is going on.
Evil will always triumph because good is dumb.
Coming Soon. My line of 5.5'' action figures. EonQuest.com
My understanding is that 2014 characters was locked but 2014 b- and c-characters while be replaced by a-list Vintage/PoP/NA/Filmation. That's all. So maybe three or four are so far in, with the rest swapped in. How many will be determined by sub sales.
Regarding castle Grayskull, Scott said Mattel doesn't do playsets anymore not even for Batman. A new Batcave just came out so was this statement in regards to the future of playsets? I think Grayskull and certain other items should sell well but they need the resources. The new turtles sewer is awesome and if more sets were like itmorepeople would but I'in. Once NYCC comes and goes people will be buzzing about CG and it will hit goal. As long as they don't cheap out it will be epic.
I only have the last run of the Batman Returns\Animated Batcave. I kinda always wanted the Kenner original Tim Burton Batcave but I think the one I have is the best version.
Lipster Heroic Warrior
In reality a Greyskull set being greenlit for 2013 speaks volumes as to Mattel's willingness to keep the MOTUC engine going. Granted, fans have to come to the party and support it financially of course, but managements very willingness to consider it is telling. Believe what you will- cynical or optimistic- as to 2014's chances, but I personally feel that 2014 is all but assured for at least the minimal SKU's. Perhaps the elimination of beasts and/or 3-packs, but otherwise at a minimum at least 12 monthly figures plus quarterlies.
Harken the coming of Dragstor!!
The Blonde Teela (Battleground and Alcala Teela) Thread
MegaGearMax's 200X/MYP Screen Grabs
Sagitar 200X Prince Adam 200X Sorceress Evilseed (MYP)
Yeah, I've seen that Batcave a few times in stores lately. Not as nifty as the old 1989 Toybiz cave...
I think Grayskull, if even nearly as awesome as I think it'll be, will garner lots of new support.
Not to sound like a creepy cheerleader for Uki, but it's nice to know there is at least one person on this forum who is extremely positive & friendly all the time. I don't think I could be that nice even if you paid me. If we ever give out awards for "forum member of the month", Uki gets my vote. -Mr. Shokoti
Subscribe for MOTU Minis 2015!!!
The one "I" always wanted was the combo 'wayne manor/Batcave' one... but I was JUST about out of toys when that hit the market :'(
As for 2014... this is no surprise at all. They have gone on record as saying we will not hear anything till SDCC...
the SAME time they announced the 2013 Skus. Seriously... have we EVER known ANYTHING about an upcoming sub... 16 months before the first figure hits?
Mattel knows exactly what's coming... the same as they know what the line up is for 2013.... but they aren't telling us. They like to keep the surprises and let us light up the forums with speculation!
But... YEAH, Castle Grayskull is a GREAT indicator
Last edited by phantom1592; October 2, 2012 at 06:39pm.
TBH I'm thinking if 2014 is scaled back it's a good thing. I'm already commintting to 1 Grayskull, and considering a 2nd, so a one year "break"/slowdown would be nice financially. Afterall once they sell 2014 subs next year, lets say they hit 200% or more, that will mean 2015 SKU's will go back up!
If there's something strange in the neighbourhood, who you gonna' call? HE-MAN!!!!
Slow month, isn't it?
Can someone PM me the US number for Matty? I want to talk to someone who might has a clue of what is going on.
Evil will always triumph because good is dumb.
Mattel: We arent able to make any changes to 2013. It was locked in over a year ago.
Oh good. We're back to this it's been locked in for ages answer for the sub. Funny how when the sub was in trouble and people asked for the lineup to incent, we were told that the Sub hadn't been locked in yet.
Matty, Great Black Wizard figure please!
My seller/trader/buyer feedback:
MOTUC Most Wanted: 1) Stridor 2) Night Stalker 3) Roton 4) Dragstor 5) Saurod 6) Karg 7) Lodar 8) Mask of Power Demons 9) TC Skeletor 10) FF He-Man 11) Talon Fighter/Point Dread 12) Road Ripper 13) Lord Masque 14) Filmation Teela


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Posted by
ALBUQUERQUE, NEW MEXICO -- Albertsons Store #00928 Lomas and Juan [snip], Albuquerque, NM 87112
My complaint is not about a specific person but about: Misleading ads, relabeling meat with extended expiration date after expires & recent promotion of pots and pans.
Misleading Ads: Recently you had coupons for Oroweat Bread $1.99 selected varieties. I was told that the bread that was pictured on the coupon was not the one on sale because the coupon stated pan bread? There isn't any pan bread in the style pictured. BAIT AND SWITCH, HMM?
Relabeling Meat: Just before the Christmas Holiday I was shopping and looking at the leg of Lambs (prices ranged at approx. $50) I noticed that the previous tag had been removed and a new tag was posted with an expiration date a couple of days out. I asked if they were relabeling and extending expiration dates, I was told that they relabeled because they were previously on sale and relabeled to reflect new price. I watch my ads like a hawk and they were never on sale. This was the second time in the last month they had been retagged They rarely have them on sale, sometimes around Easter.
Promotion of Cuisinart Cookware exp. 01/08/13: I went into the store on 01/07/13 only to find the display sparse in product. Availability was only 3 out of the 10 items offered. They always run out of these promotions but previously gave rainchecks when out of the product that was needed and would call you when product was in. This time it was tough luck if they did not have what you had been saving stamps since September 05, 2012-NO RAIN CHECKS! I was told possibly other Albertsons had the cookware I had been saving the stamps for 4 months for. If you have a promotion shouldn't you have the product available until the promotion expires? Poor business practices to say the least not to mention extremely poor customer service. I wish Raley's was still in town they conducted business with the priority of CUSTOMER SERVICE!
Customer service training needs to be conducted for the checkers and courtesy clerks. Rarely get a smile, eye contact greeting or a thank you! Needless, to say that was the last straw for I will not be shopping at Albertsons ever again!
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At Your Service on 01/10/2013:
Enjoyed reading your post.
Concerning the relabeling of meat, I've found that they frequently offer in store sales promotions, selected by one manager to the next. These sales are not ever in any ads.
I'm sure sorry you didn't find the cookware you wanted. Sometimes these items are limited supplies.
Susan on 01/10/2013:
You have no proof that the meat was re-labeled to extend the expiration date and expecting to have a full selection of pots/pans on the second to the last day of a 4 month promotion is unreasonable.
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The Customer Is Never Right
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SANTA FE, NEW MEXICO -- I went in the Albertsons in north Santa Fe to load a prepaid Visa I have been to other Albertsons and have no problems, well as I was on the phone going through the robot instructions, the Albertsons employee decided to come up and let me know that I had 5 minutes before they closed so I was unable hear what the robot on the other line had to say so I had to start over with the pressure of only having 3 minutes to get my transaction finished. I was able to get a real person on the line and get the transaction completed but when it came down to the reference numberI did not have pen to write it down and the employee that interrupted me was nowhere to be found. The man on the other line told me it was in there system and they should be able to retrieve it with no problem, so I hung up the phone and went looking for the employee that was in such a hurry to close I found her outside talking to someone and told her I needed to complete my transaction. We go back to the counter and she has no Idea on how to work the machine, I told her that I was on a automated phone line and when she told me I had five minutes, I had to start over again and would she find someone that would know how to work the machine because I had already completed the transaction on the other line she finally gets a so called manager he has no clue and the other employee all she wanted to do was argue with me I went back to the phone to get instructions on how they could complete my transaction when I went back to the counter with the instructions, the so called manager starts yelling at me and telling me that the machine they are using does not have the capability of completing my transaction. I told him I have a supervisor from moneygram on the line that says you do, and he refused to listen to me and proceeded to yell at me for not telling him how to do his job properly I finally convinced him to get on line with the employee from moneygram and she told him how to do it I finally was able to complete the transaction I wrote down all the names of employees that were rude to me and the original employee that started the whole mess I wanted to let her know not to interrupt people while they are on that phone, she through up her hands and told me she also worked for the public defenders office, like she was threatening me, either way I will not go back to that Albertsons again.
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Molly76 on 12/03/2011:
Ha Ha, "works for the public defenders office", doing what? Sweeping floors?
Skye on 12/03/2011:
What time did Albertson's finally close?
justme on 01/12/2012:
those people that helped you were idiots. I worked for Albertsons and all the info is in the money gram machine all they needed was a name.
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Bad service
Posted by
bruce s
CHULA VISTA, CALIFORNIA -- I have had one problem with the store that keeps repeating, always out of at least one item I need for my recipe at the time. Sometimes it's uncommon item that I have to go to Vons for or what usually is is a very common item like split green peas that they can't seem to keep in stock. I have discussed this with employees over the past year. But there is nothing they can do about it. About 4 weeks ago when yet again this store fell short of an item I needed I talked to the General manager which is no easy task and time consuming. He apologized and yet again I ended up at Vons.
Yesterday I went in to redeem my stamps for a pan, I was told they ran out of every item and that they will have more tomorrow (today). I went back today I asked a cashier about redeeming my stamps she said I had to go to customer service. I went to customer service and there was a sign that stated see the cashier. Well to make a long story a little shorter. I was told to come back tomorrow that they still did not have the items. At this point I was not very happy and asked to speak to the general manager. 15 minutes later someone other than the general manager shows up. I went from being unhappy to being upset. Since I could not speak to the general manager I asked for the name and telephone number to the district manager, she gave me the name and number. I went home and called the district manager. Well wouldn't you know it, it was the wrong number. I then attempted to contact Albertson's Corporate office and was given a number to customer service. I find out that Albertson doesn't even do their own customer service they send it out to a third party. Now I am no longer unhappy or upset, I am pissed and only thinking at this point that Albertson's just has no respect for their customers at all. Going from store manager to Corporate office.
Now I am thinking of legal ways I can make Albertson's feel the sting of their anti-customer policies.
Anyone have any suggestions, I am willing to put in as much time and energy as it takes to get Albertson's to change their customer service policies to be customer friendly.
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Anonymous on 01/26/2011:
For some reason I can't explain, I have never shopped at the Albertson's where I live. If Von's seems to have what you need, then I suggest you just shop there. There are also many other stores to choose from where you live, even Trader Joes (my personal favorite). Leave Albertson's behind and go somewhere else.
Anonymous on 01/26/2011:
How is Albertson's supposed to know what recipe you are making?
I agree with Singsing - shop somewhere else.
Anonymous on 01/26/2011:
Chula Vista used to have a great grocery store call Lucky's. They got bought out by one of the bigger chains, can't remember which one, might have been Albertsons.
andbran on 01/26/2011:
if Albertsons is giving you problems why so you still go there?
Venice09 on 01/26/2011:
If Albertsons is as bad as you say, people will eventually stop going, at which point the store will be forced to either do something about it or close its doors. I don't think you can legally make Albertsons be customer friendly.
I have two major supermarkets to choose from where I live. I go to the one that suits my needs and never even though of taking legal action against the other one for not living up to my expectations. My time and energy are much better used on other things.
Save yourself the trouble and just to go Vons.
McKimberly on 05/02/2011:
I'm in Eastlake (Chula Vista) and rarely go to Albertson's because they don't have very good deals. The best stores are Von's (great deals with store coupons and then combine them with mfg.coupons = incredible savings), Henry's for produce, Trader Joe's for produce/other good stuff, Walmart, and Costco.
The regular prices of the major chains are always high. Buy what you need on sale with coupons and just keep the things on hand so you have it when you need it. If you can't find the item specified in the recipe, substitute it or leave it out; use your imagination.
I buy all my groceries at those various stores. I check the ads every week and write my lists on those envelopes that come in junk mail, and organize my coupons for those sales in each envelope for each store. So that I'm never going out of my way and to save gas, I stop by each store when I need to go in that direction, or plan a trip accordingly. And if I don't make it to one of the stores that week, it's no big deal, unless it's a great sale then I make sure to go.
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Called To See If They Had An Item
Posted by
ALBUQUERQUE, NEW MEXICO -- I called Albertsons on Eubank and Candalaria, spoke to grocery person. I asked if they sell an item. He quotes he's not aware of that item. I quoted well I need to know for sure if you do, he didn't want to check and hung up. I called again asked for manager of store name Lisa, I'm holding.
A man comes on line said what can I do for you, I said I'm waiting on Lisa, he quotes she's at lunch will be done in five minutes. I call back in ten mins, then I'm told she's in a meeting. I got no where with any of these people!!!
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Manager Is Very Rude
Posted by
HELENA, MONTANTA -- I was in there with my son and I heard the manager being very rude to another employee.. I also asked her to put my meats in two bags so it wasn't so thick and she wouldn't do it. I didn't like the way she was talking to that other girl, so I went up front and checked out and told the lady up there and she said she was sorry and that there has been a lot of people complaining to them about her. They said they have told the store director and they don't do anything to her.
I will not go back in there ever again. You are going to loose a lot of people if something isn't done about her. I looked at her name tag and it said Vicky. That's all I know about her. She isn't very friendly when she waits on you.
I wouldn't want her working for me. You need to do something about her asap. I don't want to give my information for I don't want anyone knowing I made this complaint. You can talk to the other employees about her. If you do, do it away from her.
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trmn8r on 05/14/2013:
It seems a bit unfair - you have made allegations against Vicky, but you don't wish to reveal your identity.
Are you an employee by any chance?
Susan on 05/14/2013:
Albertson's is an over-priced grocery store. Personally I don't care about the gossip at my local store - if I want to pick something up then I do so - the rest of what you describe is really none of your business unless you are an employee or related to one.
Johnnyappleseed on 05/14/2013:
KYLEIGH DRAKE, I understand what you mean. There are many 'supervisors' who lack quality training and positive people skills.
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They over charge on items repeatedly and seniors are at a greater risk of being overcharged
Posted by
I can spend 100 dollars every couple of weeks at Alberstsons and I guarantee you they over charge me on at least one of my trips for one item or multiple items. This must make these companies millions of dollars. I really worry about seniors and alike that might not notice or can't remember what the items were supposed to cost them. When I get to the counter I know exactly how much each item is. Unfortunately they start ringing it up while you are unloading your cart. I almost always have to go back inside and get my money. I will go back in for 25 cents, because it is my money not theirs. This is an ongoing problem and they never seem to get it right. I just think of the thousands and thousands of dollars they collect that is not rightfully theirs. I would love a job as an undercover shopper to expose this abuse.
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leet60 on 09/23/2011:
I have experienced this at most retailers. I will say, however, that as a Senior citizen, one should not correlate age with short term memory loss. While there are seniors that suffer from various diseases that cause short term memory loss, I can readily point out large numbers of much younger individuals that can't remember what they had for dinner last evening. Many of us are just as sharp minded as when we were young.
jktshff1 on 09/23/2011:
what leet said
Old Timer on 09/23/2011:
We shop at Albertsons and find that they screw up on their sale items every time we go in. They always blame it on the computer, yeah right. We are shopping at Sprouts more and more, if they make a mistake the item is free. Can't beat free in my book. But they very seldom over charge on a sale item. Maybe once in the last six months.
Ralphs is the worst of them all and have been fined million$ a few times for over charging their customers.
2inform on 09/23/2011:
It is the person who programs the prices into the system, hence making it the computer's fault. It's not deliberate. However, that being said Albertson's should have a competent individual ensure sales prices are correctly input.
Venice09 on 09/23/2011:
Leet +1!
Shop Rite gives you the item for free if it scans incorrectly. Can't beat that!
Skye on 09/23/2011:
Same here. If something rings up wrong at King Sooper's, where I shop, I get it for free.
Man Venice, I miss Shop Rite, Waldbaums, Pathmark, Edwards, etc. Memories :)
Skye on 09/23/2011:
OP, you should let corporate know what a fiasco you have to go through every time you shop at this Albertson's location.
Venice09 on 09/24/2011:
Skye, I'd be lost without Shop Rite. And I have Walmart to thank. Shop Rite was determined not to let Walmart run them out of town. They made the store bigger and better, with highly competitive prices and the best customer service around. I always enjoyed shopping in Shop Rite, and now it's better than ever!
trmn8r on 09/24/2011:
I'm jealous - Shop Rite threw in the towel at my location several years ago. I have to drive 20 miles to get to one now, and that isn't happening.
No "can-can" sales for me!
Venice09 on 09/24/2011:
The Can-Can sale has been a tradition in my family for as long as I can remember. It's not just about cans. Some of the best sales of the year are during the Can Can. I don't know if it's worth driving 40 miles though, unless you really stock up!
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Beware Albertson's Produce/Driscoll's Berries
Posted by
I shop for fresh produce at Albertson's grocery stores in Las Vegas (store is on Warm Springs and South Rainbow). Overall, its a good place and the employees are very helpful and friendly.
However, last week I purchased Driscoll's yellow raspberries from their produce dept. When I got home, I found a DEAD BUG bug in the package. Also, on previous visits to the supermarket, I have noticed mold OBVIOUSLY growing in the red raspberries, blueberries, strawberries, and blackberries--even in the packages stocked on the TOP of the shelves, in plain view.
I returned ALL of my produce with the receipt. I did get a refund, but I also mentioned the problem to their produce manager. Instead of apologizing, reassuring me that they would take steps to improve, etc., he was defensive, condescending, and tried to imply I was being unreasonable for even complaining. I will NEVER buy produce from this store again. It's a shame they employ someone so careless about his dept. and his responsibility to maintaining public health.
As for Driscoll, contrary to their corporate hype about food safety, like other big agri-businesses, I don't think they really give a rat's ass about the safety of their products. And God knows the FDA and Agriculture Dept. doesn't bother inspecting stores or farms these days.
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Sparticus on 09/05/2010:
Were they organic fruits? I found organic stuff seems more prone to having bugs since they don't use pesticides. It is a trade off. No excuse for mold. That is a sign they fruit is not so fresh.
Skye on 09/05/2010:
Sometimes it happens, and it's not just Driscolls berries. I always buy Driscoll strawberries, and the berries grown in the USA are delicious, but I'd stay away from the Driscoll berries that are grown in Mexico.
I once bought a head of lettuce, that had a fly, buried deep within the leaves. Always wash fruit and vegetables to avoid any surprises later on.
Venice09 on 09/05/2010:
The bugs don't bother me so much because this stuff does grow in the dirt after all, but there's no excuse to sell produce with mold. This happened to me once at Stop & Shop. I splurged on some blackberries and raspberries and when I was washing them saw that they were moldy. I did go back for are a refund but didn't bother to see the produce manager. I suppose I should have, but I don't shop there anymore for various reasons.
Mold can grow quickly in a moist environment. I think berries are prone to mold if they are not kept at the right temps for too long a period. This is something the produce department should keep an eye on at all times.
Anonymous on 09/06/2010:
Dampness causes mold and berries are soft and decay easily. As for the bug, I grow my own vegetables/berries when I'm home, and bugs are no big deal. They can crawl into the berries when they are being processed or after. If a store continuously sells produce that is inferior (moldy or wilted, etc), I would do the logical thing and shop somewhere else. There are probably plenty of other places to choose from.
John on 04/01/2012:
Dead bug in the produce? Now, what ails me about that is the possibility that what was sprayed onto the berries -- was the thing that killed the bug! Seriously, my beef was with a tin of blackberries. I'm searching online to try to find out if they sprayed something nasty tasting onto my berries before displaying them, or before selling them (from Mexico) to the grocery outlet where I bought them. Yuk! It tasted like some kind of petroleum based icky stuff. ...Ha ha, it was so horrible tasting - that I could only eat half the dish of berries before refusing to eat one more! ......No, really I mean it. The rest of them are in the fridge -- and I'm contemplating raiding it right now in order to finish off the last half of the berries (and sour cream). So I can complain. .......But, at least they looked beautiful and mold free! What we due to our food is nasty. ...........I eat all my food raw (just veggies), plust milk, Daisy brand cream, and salted butter. .......I'm sick of processed crap! And I'm 40-something and now weigh the same as I did in college. ......Wow, I lost a LOT of weight when I cut out sugar / corn syrup / whey / guar gum / I don't know what that is / How do you prounounce that one / stuff / processed / cooked / canned / sneak chemicals into it / label it "natural." .....Raw Foodism -- never felt better in my life! But I need them to stop spraying crap on my berries and making them toxic. I'd rather scrape off some mold! :-) ..Bon Apetit!
J on 09/19/2013:
I get Driscoll's raspberries from Costco, and they too contain bugs. The bugs are tiny and are alive, even though the berries been in the freezing fridge for days. But I don't think it's a big deal and the bugs aren't deadly. I been eating these raspberries for a long time. I was just concerned and googled this issue, and came upon your blog. Anyway, if anything bad happens to me I'll let you know, lol. Either way. Bugs are just part of the element of plant food. They too are dependent on plants, just like us humans. You can't expect plants to never have bugs when bugs need plants as much as we do.
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Albertsons Redefines MEAT
Posted by
UNIVERSITY PLACE, WASHINGTON -- A co-worker told me about a 2 for $2 sale in the meat section of Albertsons this week. This would be for Oscar Meyer bologna and hot dogs. I thought this would be a great opportunity to save on the over-priced hot dogs they sell. I picked up 6 packs of hot dogs and 4 packs of bologna, a loaf of bread, a package of cheese and proceeded to the check-out.
The lady took the coupon and said she would ring it up. I scanned the hot dogs and bologna and the price did not reflect the special offer. I was told that the sale was only on the meat weiners and bologna, not on the beef products.
To me, and most people that know of meat, poultry and fish, BEEF is meat. Beef is not fish. Fish is not poultry. But BEEF is definitely meat. I went to the customer service desk to complain. I brought up the fact that by any reasonable definition, BEEF is meat. They would have none of that nonsense. They said the sale applied only to the meat products, not beef. I find that to be an incredibly stupid comment!
I got the number for corporate complaints and called them as I walked to my car. I had a long argument with Mikey Milquetoast at Albertsons corporate customer service. The situation escalated to the point that now I was out for blood, [no bologna!].
I was told that the marketing department would call me within 24-48 hours. Marketing called the next day and we went around again over the definition of meat. Apparently, Oscar Meyer has developed a hybrid weiner which should be referred to as the by-product or hybrid weiner, not meat, because that is deceptive advertising.
It is this deceptive advertising and the attitude of Albertsons grocery personnel in University Place, that causes me to have to suspend all future purchases at that store. For those that keep track of that sort of thing, this is one customer no longer spending approximately $475 each month at their store. Multiply this by each customer that reads this blog and decides that BEEF truly is â meat and that Albertsons grocery is guilty of a bait and switch advertising gimmick. Blame it on Oscar Meyer if they choose, either way, I won't be shopping at the Bridgeport Way Albertsons store any longer. I will take my business to Fred Meyer for now. They often have lower prices than Albertsons, anyway.
By the way, to assuage this angry customers feelings, Albertsons thought a $10 gift certificate would be sufficient. They are wrong. If they do send the certificate, I will award it to anyone with the best response to this blog. Do you have a similar complaint about Albertsons? Tell us here. Register and blog. The best comment wins any certificate that Albertsons sends me.
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Anonymous on 10/08/2009:
You are splitting hairs. You know and I know that processed BEEF products such as hot dogs are more expensive than the ones with chicken and pork PARTS besides, that stuff is bad for you.
Good for Albertson's.
Now you are free to go to Walmart and buy their rancid FISH and hot dogs.
Skye on 10/08/2009:
I concur with Z.
andbran on 10/08/2009:
in my opinon this was no bait and switch. you are just mad because you didn't get your way. take the gift certificate and just buy ten dollars worth of meat.
JR in Orlando on 10/08/2009:
Buy some good old pig's feet. That way you will know what you are getting because grocery stores will never try to slip any cow's feet in on you instead. Me, I like them pickled with some pig snot on the side. Haven't eaten as much since the fear of swine flu. Maybe I should switch to them there cow's feet.
Anonymous on 10/09/2009:
It's plain scary to think what must be in 'meat' hot dogs.
Diabolical on 10/09/2009:
Normal hot dogs are 1.29 and beef hot dogs are easily 4.50ish and up. No wonder.
Ytropious on 10/10/2009:
Out for blood? Oh god not another vendetta ::facepalm::
When I think of meat, I would think CUTS of meat, not processed meat.
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Excellent customer service, far beyond expectations
Posted by
MCMINNVILLE, OREGON -- I am so grateful and impressed with the employees at the McMinnville Oregon Albertson's after I became disabled and had difficulty doing everything--including getting my groceries. An employee named Lindsay (or Lindy) has helped me several times now by ever so patiently and carefully picking out the items in my shopping list and delivering them to me (fortunately I live nearby). In this day and age that kind of customer service and just simple compassion for folks in the community is rare!!
Thumbs up to the McMinnville Albertson's and their excellent employees and their management.
PJ Terry
McMinnville, OR
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madconsumer on 11/16/2012:
very helpful review, and voted as such!
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Ground Meat
Posted by
CHINO, CALIFORNIA -- I have asked 3 times "do you add water to your ground meats?". I have not received an answer.
They promise in their automated response that they will reply within 24 hours, but their goal is to reply sooner.
I have not received a reply and now find that their customer service site is "forbidden".
I think that they do add water to their ground meats. When I cook their ground beef in a skillet, it does not fry until the water I boiled off. By the time the water is boiled away and the meat starts to brown, it is overcooked and dry.
Does anyone know where I can buy just plain ground beef?
Uncle bill
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DebtorBasher on 10/11/2008:
Do what I do...buy yourself a nice solid piece of meat with just a little fat on it...and grind it yourself...if you don't have a grinder at home, most stores will grind it for you. If I have the store do it for me, I pick out a nice piece of meat and tell them to grind it through TWICE...that way, I always know what's in my ground meat.
Anonymous on 10/11/2008:
Will someone please vote Basher 'best answer' for me.
Excellent advice DB!
DebtorBasher on 10/11/2008:
Thank you, Sir!
Anonymous on 10/11/2008:
You are welcome! I thought you were describing me when you stated - "a nice solid piece of meat with just a little fat on it". LOL!
DebtorBasher on 10/11/2008:
NO! That would have been "A nice solid piece of fat with a little meat on it" LOL......(Just Kidding)
Nohandle on 10/11/2008:
HOLD IT!! How can DB have the best answer when she is the only one who has replied? The way I look at this is a consumer should select a nice piece of meat and grind it himself. If he doesn't want to be bothered the butcher will do it for him, preferably twice through the grinder. Now C2O, how is her answer any better than mine? You really must wait for all replies to come in.
DebtorBasher on 10/11/2008:
DANG! I wish I'da said that!
DebtorBasher on 10/11/2008:
NoHandle...I actually think my comment right above yours should have been "Best Smart Alecky Answer"...LOL!
Nohandle on 10/11/2008:
Well DB, C2O will just have to wait for all those answers to come pouring in. Yeah, and you get the grand prize for most smart "a**" comment. I think that one went over everyone's head.
DebtorBasher on 10/11/2008:
OK Admin...you may lock this thread from further comments now...LOL!
Woo Hoo! I WIN!
Anonymous on 10/11/2008:
Will someone please give Nohandle a consolation 'best answer' for me. :)
Thank you!
madconsumer on 10/12/2008:
it will say on the label if anything hass been added.
Anonymous on 10/12/2008:
All of our Albertson's here in Sacto changed to "Save-Marts"..
Anonymous on 10/12/2008:
I opened a bag of frozen chicken breasts last night. Defrosted two of them in the microwave. When they were defrosted, there was over a cup of water in the container and the chicken breasts were about the size of a deck of playing cards. Purdue should have advertised them as ice cubes containing bits of chicken.
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FAIRFAX, Va. (AP) - A Fairfax County supervisor wants to know whether county employees who smoke can be forced to take classes to help them quit.
The Washington Post reports that Gerald Hyland, a Democrat, first made the suggestion at a board meeting last month. A county spokeswoman says the county's attorneys are looking into the question.
Hyland's father smoked and died of lung cancer at age 50. He says it's "time to get serious" about reducing the number of smokers in the county workforce.
About 10 years ago, Hyland proposed cutting smokers from the county's payroll. In recent years, some employers have adopted policies against hiring smokers, who often have to pay higher health-insurance premiums.
Several supervisors say they don't agree with the idea of mandatory smoking-cessation classes.
Information from: The Washington Post, http://www.washingtonpost.com
(Copyright 2012 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.)


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Sign up for the GingerScraps Newsletter!!
Such and honor to be among these outstanding layouts! Thank you so much!
This is a real honor to have my layout here. Thank you!!
I am so excited to have a layout here. Thanks so much!!!
I can't tell you what a thrill it is to have my layout nominated here. GingerScraps your Ginger Cookies are the sweetest girls on the web. Their feedback is always amazing and brightens so many people's days. This isn't a speech, lol - I truly love sharing my pages here. Thank you so much. The layouts are all outstanding. I can't help but blush to have mine among them. (Sounds super corny, but its the truth.)
Such beautiful LO's and congrats to Em on the Honorable Mention!
AngelclaudArtroom, SeatroutScraps, GingerScrapsAdTeam & SnickerdoodleDesigns.
All these layouts are gorgeous
I've voted but it was a hard choice this week ;)
Congrats to EM for her Honorable Mention
Jemima's Digi Boutique ~ CT 4 Girl in Pink Designs (On Call), Joyfully yours, Susannah (On Call) &Scrappin' Wright (On Call)


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First, I don't think I've seen a single TS vid from a tank perspective. It's usually the healer's UI you are seeing.
As a pally tank, I use a crapload of addons and every one serves a purpose. You should take a day and experiment. I say a day because many need serious reconfiguration to be what you need. However, the most important addons that I use are:
IceHUD, Bartender, PitBull, Quartz, MiksScrollingBattleText, and CT-Buffs


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Additional Categories for Bird Care
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Natural Bird Bath 8 oz. By Natures Chemistry
Eliminates odors and their source while helping to reduce excess molting.
Our Price
Healthy Habitat Cleaner & Deodorizer 24 oz. Spray By Natural Chemistry
Healthy Habitat is safe to use with your pet in the habitat and does not require rinsing or drying.
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Owned by our farm families in New York & New England — Since 1919
Cabot Creamery is a 1,200+ farm family dairy cooperative with members in New England and upstate NY producing all natural, award-winning cheeses, including the "World's Best Cheddar", as well as a tasty variety of flavored cheddars. Come visit Cabot in the Green Mountain State and see the "cheese making tour" at our Cabot location or visit our stores in Waterbury & Quechee. While here, you can also enjoy Vermont's leading ski and summer resort destinations as well as other Vermont attractions. Hope to see you soon!
Make a Product Donation or Sponsorship Request to the Farm Families
Browse and save our many delicious Cheddar recipes contributed from many Cabot friends and families. Suggest your own new recipes and provide reviews for others.


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When to Hire a Professional Genealogist
About the Author
Myra Vanderpool Gormley is a syndicated columnist and feature writer for the Los Angeles Times Syndicate. Additionally, she writes articles on the subject of genealogy for Colonial Homes magazine. She is the co-editor of Missing Links and RootsWeb Review, two weekly e-zine genealogy newsletters. A certified genealogist, she has written three books, Prima's Official Companion to Family Tree Maker, Family Diseases: Are You at Risk? and Cherokee Connections. In her spare time she searches for her own elusive ancestors.
|© 2011 Ancestry.com


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Yeah we still have one team to fill.
PelicansReport.com Sim League
New Orleans Hornets General Manager
People's Basketball Sim League presents...
1995-96 Season
C Kevin Willis | PF Brian Grant | SF Jalen Rose | SG Michael Finley | PG Terrell Brandon
Key Reserves: Dikembe Mutombo | Todd Day
Traded Fizer away for a better PF, thats if you didn't see the trade posted..
2013-1014 is the season the Pelicans fanbase grows!!!!
Yeah... an older guy... Fizer will be better long term bro! But go big or go home I suppose! haha Hope it works out for you, regardless!
I'm looking to trade Darrell Armstrong 20.9 ppg 5.9 rpg 8.5 apg 1.6 spg with a rating of
Darrell Armstrong PG 32 6'1'' 180 C+ A- A- A- C C
he is the perfect win now and the next 3 years PG, kinda like a Payton-lite. To those who are interested just hit me up with offers
HR Sim League - Washington Wizards
Fizer isn't guaranteed to get better, not at all,but we shall see. And calm down bro, you seem angry.
Hey, now. I'm praying he does get better!
^^Yea bro, I wish you a tone of luck in this league bro.
Does anyone know if Isanor Newman is a good school?
There a sim today?
Yeah, just waiting on NolaHornets23 to sign someone.
This is a big week for me, wish PrepP would have PMed me back so i could have a more complete lineup. I've got some tough road games fresh off a trade. The Pacific devision is a 4 way race and I'm hoping Ray Allen will put me over the top.
Man, talk about a wreck. Not only did I slip up with my depth chart, but the injury bugs (more like a swarm) hit me.
Last edited by Xist2inspire; 06-23-2012 at 03:15 PM.
My team was doing great until Gatling & Richmond got hurt!
Wow....it looks like my team can maybe make playoffs. Took me a while, but my team got it together finally. Went 5-3, lost a few after some injuries and won 5 in a row. Steve Francis is balling out his mind
"I want ONLY 9 eyebrows in the starting lineup for the Hornets next year." I typed this before the draft lottery
I thought the sim for Weeks 15 through 16 was scheduled for tomorrow.
Yeah, it's every other day.
Is it a bad sign that I'm dreading every sim day?
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Ladies, get geared up for Penguins hockey action with this high-quality Premier jersey from Reebok. With tackle twill team logo patches on the chest and sleeves, this jersey is sure to send the competition packing whenever you hit the ice!
- 100% Polyester fabric
- Embroidered NHL shield at collar
- Imported
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- Rib-knit v-neck collar
- Tackle twill logo
- Team color stripes
- Tight weave mesh
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Manufacturer direct items are shipped directly from the manufacturer. These items are not available for international or expedited shipping.
Customized items can be personalized with options such as your name, your favorite number, and/or designs. Some options may be limited by league rules.


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Laugh Out Loud Short Film Fest
Get ready to laugh. The second annual Laugh Out Loud Short Film Fest opens in theatres May 23rd! This unique festival is a compilation of 9 hilarious short comedies, guaranteed to provide side-splitting laughs. Submissions came in from around the globe and our committee whittled them down to bring you the best-of-the-best.
Unlike the snooty content prominent at most conventional film festivals, our films won't challenge you to be a deep thinker or ponder the man's inhumanity to man. Hardly. Our filmmakers seem to focus on aspects of everyday life that average people can relate to; social media, dating, bodily functions, human sexuality, marriage, raising kids, and drinking. We realize that raising kids and drinking may seem a bit redundant.
In other words, the Laugh Out Loud Short Film Fest is a simple escape from life's pressures and hectic pace. The irreverent humor may make you a little uncomfortable at times – and may even cause you to cringe – but there is no doubt you will laugh uncontrollably. If you don't, just admit to yourself that you don't have a sense of humor.
Go to lolsff.com and check out the 2013 trailer, the list of films and more.
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Tax changes you need to know about
Published On: Mar 04 2013 08:29:41 AM PST Updated On: Apr 12 2013 07:44:03 AM PDT
Find out what changes you need to know about before filing your taxes this year.
The views expressed are not those of this company or its affiliated companies. By posting your comments you agree to our Terms of Use.


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This is a great project to use when you are first introducing a child to scissors. It requires single "snips" only.
We did a project like this with our three year old friend when we were babysitting -- he had lots of fun -- it was cute how hard he concentrated on his scissors.
You can make this appropriate for older children (kindergarten and up) by asking them to fill their templates
with a particular type of shape (squares, rectangles, triangles, polygons, etc).
Printable version of these instructions
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Deck the holidays with a cookie swap
How to cope with a breakup during the most wonderful time of the year
Dear Carol: I feel dumb in class
The 6 phases of becoming a Directioner
Feel-Good Friday: This girl got the ultimate Christmas surprise
Last-minute gifts: Adorbs accessories, all under $20!
Follow these steps to get gorge winter skin
Turn a water bottle into a sporty stocking
What classic Christmas flick are you?
Tell us: What makes your BFF so awesome?
Kirby Buckets Clip
More Friends = More Fun
GL Tweets !
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Train Station
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Hanging toilet tissue holder keeps two spare rolls in reserve! Simply lift the tank top and secure it with the attached hanging hook. Satin Nickel finish. 9¾"H x 6¾"W x 4".
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Wedding Services near campo,co
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Do not let the concept of enterprise risk management scare you. Although the concept of ERM is attracting considerable attention lately, banks have been doing risk management for years.
For example, most banks already compile:
C Capital plans.
A Individual asset ratings, loan review and ALLL calculations.
M Management succession plans and compensation analysis.
E Budgets and business plans.
L Contingency funding plans and cash flow analytics.
S Interest rate risk analytics and asset liability management.
The issue is not that banks are not managing risk, because they are. The problem is that risk management is not integrated; rather, it happens in silos. The real key to ERM is therefore incorporating the existing risk analytics into a comprehensive, integrated framework.
Rather than re-invent another costly process (the industry should learn the lesson from the failure of Sarbanes-Oxley), FinPro Inc. recommends that banks follow the same risk approach used by regulators, namely the CAMELS format. Note that the risk analytics banks already conduct has been categorized in that manner above.
From a regulatory perspective, ERM is the process of identifying, measuring, monitoring and controlling all risks in a given entity following the CAMELS format.
The key to ERM is to bring all of the silo-based risk assessments under one comprehensive umbrella so that they can be integrated into one process that uses one model. Two examples that illustrate this need:
As part of an institutions capital planning process, the need to shrink the balance sheet as a strategy to improve capital ratios is identified. This will improve the capital position of the bank, at least on a ratio basis. The problem, however, is that the balance sheet reduction may harm earnings and liquidity. Fixing one risk in a silo environment may negatively impact the entire bank.
As part of an institutions asset quality review process, the need to sell non-performing loans as a strategy to improve the asset quality ratios is identified. The problem is that a sale of non-performing loans at a discount will hurt income and capital and may result in an increased overall risk profile for the bank.
Clearly, these examples highlight the need for a single process and model to combine the disconnected analysis of each risk component.
To address this, FinPro has designed an eight-phase ERM process that is interactive, integrated and leverages work banks already do. This process has been vetted by all of the agencies and measured against the Committee of Sponsoring Organizations of the Treadway Commission recommendations for accounting purposes.
In essence, the ERM process builds off of the base CAMELS format, incorporates other risk areas such as legal/regulatory(+), reputation(+) and operations (+), integrates all risk management under one model and provides ongoing quarterly review capabilities. It layers an eight-stage program onto the regulatory framework as follows:
The ERM Process:
Identifies risk through a CAMELS +++ self-assessment which includes detailed ratio analytics, regulatory targets, peer benchmarking and future projections.
Measures risk by identifying each risk component, delineating the data and analytics required to measure the risk, prioritizing and rating the risk and finally identifying key measurement metrics for each risk component.
Monitors risk by modeling projections using a single comprehensive model. When done this way, banks can stress test risks on a single-variable or multiple-variable approach and instantaneously see the results on the entire organization, eliminating the silo effect.
Controls risk by re-evaluating policies and procedures, ensuring that the bank has the appropriate infrastructure (people, systems, process) and by forecasting the ERM position of the bank at any point in the future.
The key to making this process work is a single model that integrates:
In addition to the single variable stress tests, multiple variable stress tests must also be conducted. As an example, the Federal Reserve recently ran tests involving several economic variables. Banks must devise stress tests that translate changes in economic variables into how they will impact the bank using one holistic process that provides multiple scenarios, which can be stress tested and be forward-looking. A single, integrated model allows for complete risk assessment and stress testing as a forward-looking, pro-active process, as opposed to a static, historical analysis. Banks must also understand that ERM is not a one size fits all activity and each institution must have a unique prioritization of risks.
The results are clear. Banks need to have a comprehensive ERM program. This program should:
ERM is not a scary thing. Rather, if done correctly, ERM builds off processes bankers already undertake and will not just help a bank with the regulators, but will also build real value for the bank and its shareholders.
Donald J. Musso is president of FinPro Inc. in Liberty Corner, N.J. Contact him at 908-604-9336 or finpro(at)finpronj.com.
Copyright (c) December 2011 by BankNews Media.


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Spartanburg, S.C.-based Carolina Alliance Bank provides high-caliber services to its customers with the understanding that todays banking customers require 24/7 access to those services. One of the key technical advancements that Carolina Alliance recently made was migrating from its existing in-house disaster recovery solution to a cloud-based, hosted environment for its computer systems.
The goal of the project was to streamline and modernize the banks cumbersome approach to disaster recovery, including compliance posture, security levels, testing times, recovery time and resources dedicated to the system, said Lamar Simpson, chief financial officer of Carolina Alliance.
Carolina Alliance sought a technology partner to support its disaster recovery needs and its current challenges in redundancy as well as its future growth. Compliance played a major role in the selection process. The bank knew it needed financial industry expertise to maintain compliance with the banking industrys constantly evolving regulatory compliance requirements.
We had to eliminate the manual, tedious process of running a back-up disk drive every day and reduce the risks and resources it took to travel to our offsite safe storage center to swap out the disk, said Simpson. We knew we needed help beyond the vendors we were using for disaster recovery processes and testing. While the prior processes looked good on paper, bank employees found testing to be a cumbersome and labor-intensive effort. Testing revealed that the disaster plan did not provide the level of compliance and recovery time bank management felt the bank needed.
Carolina Alliance installed Safe Systems Continuum and reduced its recovery time from several days to just a few hours. It also gained enhanced security, improved compliance, and reduced internal resources and man hours that needed to be dedicated to the task.
The roles filled by bank personnel involved in technology management and operations are secondary to the primary job functions of these employees. Thus, the reduction in internal resources committed to disaster planning, testing and recovery was an important consideration in our decision, Simpson said.
Recovery Time and Regulatory Considerations
The process of disaster recovery is not as simple as having a plan on the shelf. True recoverability depends on establishing recovery time objectives and then periodically testing the plan to validate that the recovery capabilities match the objectives. This is a component on which regulators are placing a greater focus, according to the bank.
Regulators want to see a recovery method that has demonstrable and documented results, said Simpson. We couldnt know our real recoverability until all components of business continuity are put through a comprehensive test.
What weve seen from our recent experience with regulators and examiners is that redundancy to a different branch is no longer an option for banks with multiple branches. The system needs to be on a different power grid with separate communications sources completely removed from our location for true redundancy. For banks like ours with a single office, meeting this requirement is even more difficult. Outsourcing the banks disaster recovery solution to a compliant, fully redundant system has taken care of all of this.
Prior to outsourcing, Carolina Alliance had to dedicate two people, nearly two business days and a long drive to Atlanta to conduct a complicated yearly disaster recovery test. Once there, servers and communications devices were built from the bottom up with all the relevant data installed manually. Alternatively, the bank could arrange for servers and other equipment to be shipped (a 48-hour delivery time) to the bank, which normally added an additional one or two days to the process.
Today, our computer system disaster recovery testing takes three to four hours. Our banks staff was spending holiday weekends going through this manual process, and now our time commitment is just a few hours to get a reliable test every year. Completely outsourcing this process is a huge burden alleviated from our bank, said Tina Gainey, the banks network administrator.
Communicate with Time in Mind
In most bank environments, there are numerous vendors that must work in conjunction with the core processor. The integration and communication required to speak to the core provider, as well as any vendor is a difficult, and not always successful undertaking, said Simpson. Seamless connectivity is a necessary prerequisite for successful disaster recovery, especially from a regulators point of view.
Carolina Alliance now outsources this component of disaster recovery all communication and scheduling during tests is handled by the team at Safe Systems. Once the recovery process is complete, the employee logs on to the network via secure remote access, from any location with an Internet connection, to validate connectivity and functionality.
Time is the most important element in a business interruption. There is a small, critical window to receive a server, build it, switchover and recover data without having a profound effect on business operations and customer service levels, Gainey said. With Continuum, one employee coordinates the onsite activities, and all data is stored and replicated offsite at Safe Systems secure data centers. This enables our bank to recover much more quickly locally if something were to happen.
Adhering to the banking industrys regulatory compliance requirements on its own is a task that requires expertise, time and significant resource investment. Couple this with a costly disaster or other business interruption and an institution could be potentially crippled. To avoid this, Carolina Alliance Bank replaced its outdated backup systems with a tightly integrated, hosted recovery solution. Replacing its disaster recovery system has proven to be more secure, compliant and cost-effective than managing the banks previous in-house solution all the while removing a major source of headaches for the CFO and network administrator.
Copyright (c) November 2012 by BankNews Media


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8 Popular Fitness Classes, Explained
Zumba, spinning, barre — fitness classes are the current workout craze. Find out what to expect at each and how to get a similar workout at home.
By Alena Hall
Bikram Yoga (Hot Yoga)
What it is: The 90-minute yoga class includes 26 hatha yoga postures and two pranayama breathing exercises. Commonly referred to as "hot yoga," Bikram is performed in a room heated to 105 degrees to ease the body into its most flexible state. Challenging the mind and body alike, this form of yoga focuses on the importance of oxygen flow and breathing.
Celebs who are fans: Demi Moore, Gisele Bündche, Jenny McCarthy
How to do it at home: Move a yoga mat into the bathroom and crank up the shower to raise the room's temperature and humidity. Wear warm but loose-fitting clothing to maintain a high body temperature, and follow a Bikram yoga workout DVD, YouTube video, or Chaz Rough's free YOGAmazing podcast.


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Available Projects
I am doing an economy remodel, but I would like a long lasting, scratch resistant, no chip kitchen sink. What material would you recommend. I soooo dislike stainless steel, but will use it if it is relatively inexpensive and all of the above. Cast Iron sounds like it would be very durable. Composite, granite, copper, acrylic, or anything I missed. Your feedback would be greatly appreciated!
For economy, your best bet will be a nice grade of stainless. Your other choices are going to be fairly pricy.
agree. but let me add this
if you cheap out and buy a 50 dollar big box stainless sink. you weill see rust around the drain hole later, AND the insulation on the bottom of it is lacking, it will sound like your filling up a wash bucket
go with a 16 gauge sink opposed to a 18 gauge
shop at your plumbing supply,compair their price to big boxThis message has been edited. Last edited by: Frodo,
Thankyou. That seems to be the opinion of many. I just really dislike it.
Thanks again. I will check out the lower guage stainless steel.
The granite looks so nice though. I wonder if it would chip?? You can't really go by the big box salespeople. They are usually unsure.
any and all marble/porcilin will chip if abused
a good kohler cast iron sink will last forever
if treated right...you cant throw a skillet in the sink...lay it in there..
imho, cast iron over ss drop in, not under counter
Thankyou everyone. I really appreciate it!!!!
you should never put a hot pan of any sort directly into a sink.
another good cast-iron sink is Eljer aka American Standard, but the Kohler line of plumbing fixtures is an icon unto itself.
sig: if this is a new economy, how come they still want my old-fashioned money?
you can use cast iron in kitchen sink. its very durable and looks pretty good .. however everything has its own advantages and disadvantages. so don't be confused in choice. choose that material which comprise all the features you want. in my opinion go for cast Iron. and whatever material you use, always remember not to put any hot bowl or frying pan directly in sink.
I agree with #2 go for stainless... you'll get more for your money. Just clean it carefully.
Hi Juliana,
One of the biggest trends we're seeing right now is a fireclay sink. While slightly more expensive than stainless steel, we find that the benefits of this material justify the slight cost increase. With fireclay, you get a long lasting, stain, scratch, chip kitchen sink that is also extremely stylish. It's also resistant to thermal shock, so extreme hot or cold temperatures will have a limited effect on the sink.
I hope you find the perfect sink!
Samantha Epstein
Editor-in-Chief, Kitchen Bath Trends Magazine
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I searched for so long to find a domed diamond band to match my wedding ring perfectly, and I've finally found it! It's very sparkly and looks so expensive. I almost bought the 1/2 carat version,but i'm so glad I didn't. This ring is the perfect size! loveee!
We purchased this as a wedding band to go with my engagement ring from Overstock (Item#: 12184283) and I am so pleased with this. It sparkles beautifully, is very complimentary to the e-ring and doesn't overwhelm my hand. Jewelry purchases at Overstock are such a steal!
This ring is beautiful, a perfect size and looks great, better than expected. Diamonds are small but beautiful color and sparkle on the light. The white gold setting is also a winner.
This ring is very pretty; I wear it all the time. It is a bit thinner than I expected, so I sometimes wear it stacked with other bands, though wearing it alone also works. It would be helpful if in the photo the seller would let customers see how it looks on an actual hand. But overall, I am pleased.
This ring is awesome. We got married this year and my wife is thrilled with this ring...great design and incredible quality! Perfect for her and for me too:)
Just as other purchases said this really is a beautiful ring, very big, sparkly. I get a lot of compliments.
This band is so gorgeous and sparkly. I have gotten several compliments already!
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