text: LOMA Glossary The LOMA Glossary of Insurance and Financial Services Terms # | A | B | C | D | E | F | G | H | I | J | K | L | M | N | O | P | Q | R | S | T | U | V | W | X | Y | Z D&O liability insurance. See directors and officers liability insurance.daily benefit amount. Under a long-term care insurance policy, the maximum amount the insurer will pay for each day of an insured's long-term care at a care facility or in the patient's home.damages. Monetary compensation that may be recovered by a plaintiff who has suffered a loss or injury as a result of a defendant's wrongful conduct; the basic legal remedy for most civil wrongs. See also compensatory damages, punitive damages.date of expiry. In reinsurance arrangements, the date upon which the reservation of reinsurance facilities will be cancelled if the reinsurer does not receive a cession or placement information from the direct writer.Day 1 functionality. The administrative and systems processes that must be in place and functioning before an insurance product can be introduced to market.Day 2 functionality. The administrative and systems processes that are necessary at some future date to service and administer an insurance product, but which can be implemented after the product has been launched.DD benefit. See dread disease benefit.dealer. An institution that holds an inventory of securities and is always ready to buy and sell securities from its own account.death benefit. (1) The amount of money paid by an insurer to a beneficiary when the person insured by a life insurance policy dies. Also known as the policy proceeds. (2) An annuity contract feature which states that, if the contract owner dies during the accumulation period, a named beneficiary will receive a benefit of at least as much as the accumulation value at the time of the contract owner's death. Also known as a survivor benefit or policy proceeds.death certificate. A document that attests to the death of a person and bears the signature—and sometimes the seal—of an official authorized to issue such a certificate.debenture. A bond that is not backed by collateral but only by the full faith and credit of the issuer. Also known as an unsecured bond. Contrast with a secured bond.debit. (1) In accounting, a specified change made to the monetary value of an account; a debit increases the value of asset accounts and expense accounts, whereas it decreases the value of liability accounts, owners' equity accounts, and revenue accounts. (2) In the numerical rating system, a proposed insured's medical and personal risk factors that have an unfavorable effect on mortality and are assigned "plus" values (such as +25). Contrast with credit.debit agent. See home service agent.debit life insurance. See home service life insurance.debt coverage. See creditor insurance.debt security. A financial security that represents an obligation of indebtedness owed by a business, government, or an agency. Contrast with equity security.debt-consolidation loan. A loan that combines all of one's high interest rate credit card debts into one loan that has a lower interest rate than the credit card rates.debtor-creditor group. In group insurance, a group that consists of lending institutions, such as banks, credit unions, savings and loan associations, finance companies, retail merchants, and credit card companies, and their debtors.debt-to-equity ratio. A financial ratio calculated by dividing a company's total long-term debt by its owner's equity, that is helpful in determining a company's solvency. See also leverage ratio.debt-to-surplus ratio. A type of financial ratio calculated by dividing an insurer's total liabilities by its surplus. See also leverage ratio.decedent. A person who has died.declined class. See declined risk class.declined risk class. In individual life insurance underwriting, a risk class composed of proposed insureds whose anticipated extra mortality is so great that an insurer cannot provide coverage at an affordable cost or whose mortality risk cannot be predicted because of recent or unusual medical conditions or other risk factors. Also known as declined class. Contrast with standard risk class, substandard risk class, and preferred risk class.decreasing term life insurance. Term life insurance coverage that provides a policy benefit that decreases in amount over the term of coverage. Contrast with increasing term life insurance.deductible. A flat dollar amount of eligible expenses that an insured must pay before the insurer begins making any benefit payments under an insurance policy. (1) In medical expense insurance policies, the deductible usually applies to the total of eligible medical expenses incurred during a period of time, such as a year. Other types of policies, such as property-casualty coverages, may have a per incident deductible. (2) In stop-loss insurance, the dollar amount of claims that an employer must pay for any individual in a stated period of time before the stop-loss insurer reimburses the employer for any excess amount. Also known as an individual deductible or a specific deductible.deductible period. See elimination period.deemer provision. A provision that many states in the United States include in their policy form filing requirements; if the state insurance department has not disapproved a policy form within a specified time, then the policy form is deemed to have been approved by the department.default. A failure to meet a financial obligation.default risk. The risk that an insurer will not receive the cash flows to which it is entitled because a party with which the insurer has a financial arrangement is late with payments or entirely fails to pay its obligations. Also known as invested asset credit risk. See also default.deferred annuity. An annuity contract under which payment of periodic income benefits is deferred for a period of time, usually more than a year, after the contract is purchased. During this period of time, called the accumulation period, the owner's premium or premiums accumulate at interest. See also accumulation period. Contrast with immediate annuity.deferred compensation plan. An employee benefit plan established by an employer to provide income benefits to an employee at a date later than the income was earned (such as after the employee's retirement).deferred profit sharing plan (DPSP). A type of retirement plan in Canada that allows employers to make contributions on behalf of employees that are related to profits; similar to qualified profit sharing plans in the United States.defined benefit formula. A retirement plan benefit formula that specifies the amount of retirement benefit a plan sponsor promises to provide to each plan participant. Contrast with defined contribution formula.defined benefit plan. A retirement plan structured using a defined benefit formula that specifies the amount of retirement benefit a plan sponsor promises to provide to each plan participant. Contrast with defined contribution plan.defined contribution formula. A retirement plan benefit formula that specifies the level of contributions that the plan sponsor promises to make to the plan. Contrast with defined benefit formula.defined contribution plan. A retirement plan structured according to a defined contribution formula that specifies the level of contributions that the plan sponsor promises to make to the plan. Contrast with defined benefit plan.deflation. A fall in an economy's general price level. Contrast with inflation.demutualization. The process an insurer undertakes to convert from a mutual form of ownership to a stock form of ownership. Contrast with mutualization.dental expense coverage. Medical expense insurance coverage that provides benefits for routine dental examinations, preventive dental work, and dental procedures needed to treat tooth decay and diseases of the teeth and jaw.dependent. For purposes of establishing eligibility for group insurance coverage, (1) a spouse or (2) an unmarried child who is under a specified upper age limit, or a disabled child of any age, who relies on the group member for financial support and maintenance.dependent coverage. Group insurance coverage on spouses and dependent children of insured group members.deposit administration contract. A type of retirement plan funding vehicle in which a plan sponsor deposits assets with an insurer and the assets are placed in the insurer's general investment account. Upon a plan participant's retirement, the insurer applies funds from the general account to provide an immediate annuity for the retiree.deposit-based commission schedule. For annuity sales, a commission schedule that pays commissions only on premium payments made by annuity owners. Contrast with asset-based commission schedule.depository institution. A financial services company, such as a commercial bank or thrift institution, that engages in the retail banking activities of accepting deposits from individuals and making loans.depreciation. (1) In general, a decline in the price or value of an investment. Contrast with appreciation. (2) In accounting, the process of allocating (spreading) the cost of an asset over the asset's estimated useful life; depreciation typically applies to an insurer's long-term assets such as buildings and other real estate. Compare to amortization.derivative. A financial security, such as a stock option, that derives its investment value from another security.desk audit. In reinsurance, the systematic and ongoing review of a direct writer's quality of administration, performed by the reinsurer's staff at the reinsurer's own offices.development expense. An expense an insurer incurs in designing, testing, and implementing a new product or product line.DFA. See dynamic financial analysis.DI insurance. See disability income insurance.diagnostic and treatment codes. Numbers and words that represent specific medical diagnoses and treatments and are used by health care providers to communicate medical information about medical expense claims to insurers.direct costing. See marginal costing.direct costs. In accounting, a cost incurred for or physically traceable to one specific product, line of business, department, or other cost object. Contrast with indirect costs.direct premium. In reinsurance, the direct writer's premium on the original policy.direct response advertising. A type of product advertising designed to encourage customers to take action immediately, either by purchasing a product or requesting additional information about a particular product or service.direct response distribution system. A type of distribution channel often used in insurance sales in which customers purchase products directly from a company by responding to advertisements, Internet Web sites, or telephone solicitations.direct response policy. A life insurance policy, distributed through a direct response system, which may be fully underwritten, underwritten on a nonmedical basis, or underwritten on a guaranteed-issue basis.direct rollover. The transfer of funds from one tax-advantaged retirement plan to another when the transfer occurs directly between two financial institutions and the owner or plan participant does not actually receive the funds.direct writer. In a reinsurance transaction, the insurance company that purchases reinsurance to transfer all or part of the risks on insurance policies the company issued. Contrast with reinsurer. Also known as ceding company.director of insurance. See insurance commissioner.directors and officers (D&O) liability insurance. A type of liability insurance that covers directors and officers of a corporation for their own liability resulting from failing to exercise the appropriate standard of care when discharging their corporate duties.disability buyout coverage. Disability income insurance coverage that provides benefits designed to fund the buyout of a partner's or owner's interest in a business should he become disabled.disability income (DI) insurance. A type of health insurance that provides income replacement benefits to an insured who is unable to work because of illness or injury.disability income benefit. A supplemental life insurance policy benefit that provides a monthly income benefit if the insured becomes totally disabled while the policy is in force. Typically, the amount of the monthly disability income benefit is a stated dollar amount—such as $10—per $1,000 of life coverage.disaster recovery plan. See business continuance plan.disbursements. (1) In general usage, any payments of money. (2) For annuity contracts, payments insurers make from deferred annuity contracts during the accumulation period. Also known as distributions.disclaimer of opinion. A type of nonstandard auditor's opinion indicating that the auditor has no opinion on the financial statements; disclaimers may be disallowed under international financial reporting standards (IFRS).disclosure document. In annuity sales, a written document that identifies and describes the specific annuity being considered for purchase.disclosure statement. A written statement providing nontechnical explanations of the operation, statutory requirements, and income tax consequences of an individual retirement annuity.discount. For bonds, the difference between a bond's market value and its par value when the market price is less than the par value.discount bond. A coupon bond that has a current market value that is lower than the bond's principal or par value but that pays the full value of the bond to the holder at maturity. Contrast with premium bond.discount broker. An investment broker offering reduced fees for stock trades, but who generally offers little, if any, investment advice or investing tools.discounting. The process of converting a future value to its present value. Contrast with compounding.discounting period. Each of the interest periods used in present value calculations. Contrast with compounding period.discretionary group. In the United States, any type of group other than a single employer group, a debtor-creditor group, a labor union group, a multiple employer group, an association group, or a credit union group that has been approved for group insurance coverage by the applicable state insurance department.disinflation. A decrease in the rate of inflation. See also inflation.disputed claim. A claim that an insurer has thus far refused to pay but that it may pay in the future. Also known as a resisted claim.dissolution. The termination of a corporation's legal existence.distributions. See disbursements.diversifiable risk. Risks that are specific to an individual asset or issuer. Also known as nonsystematic risk or specific risk.diversification. A defensive principle of investment portfolio construction that involves balancing the selection of portfolio assets among a variety of types of securities or industries. Diversification spreads risk across many risk characteristics to reduce the effect of any one risk.diversification criteria. Rules stating limits on the portion of an investment portfolio that may be invested in a stated asset class. Also called limitations on asset concentrations or asset allocation criteria.dividend. See stockholder dividend.dividend accumulations option. A policyowner dividend payment option that allows a policyowner to elect to leave policyowner dividends on deposit at interest with the insurer.dividend addition. An additional amount of life insurance that a policyowner purchases with policy dividends. Also known as paid-up addition. See also policy dividend.dividend options. Specified methods by which the owner of a participating life insurance policy or participating annuity may receive policy dividends.dividend provision. A provision included in participating life insurance or annuity contracts that describes the contract owner's right to share in the insurer's divisible surplus, if any, and describes the options available for receiving policy dividends.dividend yield. The annual percentage return earned by dividends on a common or preferred stock.divisible surplus. The portion of an insurance company's earnings that is available for distribution to the owners of participating policies after the company sets aside funds for contractual obligations, operating expenses, contingencies, and general business purposes.doctrine of reasonable expectations. A legal doctrine under which the courts interpret the terms of an insurance contract in such a way as to honor the reasonable expectations of the individual who purchased the policy even if the language of the contract does not literally support these expectations.doctrine of substantial compliance. A legal doctrine which provides that when a policyowner has done everything possible to comply with the beneficiary change procedure set forth in the policy, but has failed because of circumstances beyond his control, the change will be considered effective.Dodd-Frank Act. See Dodd-Frank Wall Street Reform and Consumer Protection Act.Dodd-Frank Wall Street Reform and Consumer Protection Act. In the United States, a federal law designed to protect investors by requiring more transparency and accountability by financial services companies. Also known as the Dodd-Frank Act.dollar cost averaging. An investment strategy that involves investing a fixed dollar amount in one or more financial instruments on a regular, periodic basis, regardless of the current values of the selected instruments.domestic corporation. From the point of view of a given state in the United States, a corporation that was incorporated within that jurisdiction. Contrast with alien corporation and foreign corporation.domicile. The jurisdiction in which a company incorporates.domiciliary state. See state of domicile.double indemnity benefit. An accidental death benefit that is equal to the face amount of a life insurance policy, and that becomes payable if the insured's death is accidental.downstream holding company. A holding company that is owned or controlled by the company that forms it and that in turn owns or controls other companies. Contrast with upstream holding company.DPSP. See deferred profit sharing plan.dread disease (DD) benefit. An accelerated death benefit under which the insurer agrees to pay a portion of the policy's face amount in a lump sum to the policyowner if the insured suffers from one of a number of specified diseases. Also known as a critical illness benefit.drop notice. A written notification from a direct writer to a reinsurer stating that the direct writer no longer needs reinsurance that it previously _requested and asking the reinsurer to cancel the reservation. Also known as a close notice.DST. See dynamic solvency testing.dual control. See segregation of duties.duration. A statistic that measures the price sensitivity of an asset to changes in interest rates.duration gap report. A report that describes the results of duration analysis of an insurer's investment and product portfolios; provides a snapshot of the insurer's asset-liability match at the time of the report.duration matching. A strategy that involves matching the duration statistics for fixed-income assets such as bonds with the duration statistics for the products that the assets support.duration of the agreement provision. A reinsurance agreement policy provision that addresses when the reinsurance agreement becomes effective and when it ends.dynamic assumptions. In product modeling, variables that change over time, but in a way that is predictable and formula driven. Contrast with fixed assumptions.dynamic budget. See flexible budget.dynamic financial analysis (DFA). The use of simulation modeling and multiple scenario testing to project into a future period an insurer's assets, liabilities, and owners' equity as of a given valuation date and to compare the values of those variables at various times after the valuation date.dynamic solvency testing (DST). An application of dynamic financial analysis that involves projecting into a future period an insurer's capital as of a given valuation date and comparing the projected amounts of capital at various times after the valuation date. Also known as capital adequacy testing. See also dynamic financial analysis. Back to Top Share This Page: Printer-Friendly Version


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Army Sgt. Bowe Bergdahl is scheduled to fly back to the United States early Friday, NBC News has learned.
Deep in the back woods of South Texas you never know what might be lurking around the corner or in your tree.
As your local election headquarters, here's an update on what the gubernatorial candidate and Wichita Falls native Greg Abbott is saying about gay marriage.
Texas honors student says a single question on a state-mandated standardized test is preventing his graduation.
A tire shop in San Antonio is helping to make sure that women are treated fairly when having tires repaired or replaced.
A San Antonio man is accused of using a sword to fatally stab a friend in the chest in an argument over a woman.
Dozens left homeless after blaze consumes San Antonio apartment building.
Texas teachers receive training on how to disarm a gunman.
A San Antonio man has been sentenced to nine months behind bars for the 2010 drowning of a stray puppy that defecated in his backpack.
New commander over Air Force basic training at Lackland, AFB.
The claim that "everything is bigger in Texas" will likely gain further credence later this year, when the speed limit on a stretch of toll road between Austin and San Antonio hits 85 miles per hour -- the highest limit in the country.
A child abduction alert has been issued by the Texas Amber Alert Network out of San Antonio for 3-year-old Gabriel Rivera.
If you have any information on the whereabouts of 17-month-old Aubrey Goodson please call the Jefferson County Sheriff's office at 580-228-2375.


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Kuch Meetha
Paneer Kheer ( Protein Rich Recipe )
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Paneer kheer, watch your kids lick off this delectable kheer from their bowls, up to the last drop! i've added paneer not only to boost the protein content but also to bring about this lovely texture! nuts add on to its protein content as well. Cornflour makes it thicker and creamier. Serve it hot...
Lajjatdar Shurvat
Subzi Di Dawat
Roti aur Parathas
Dal aur Basmati da Khazana
Chaat aur Raita


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Photo Credit: Jamie McCarthy/Getty Images
Hey, everybody! It's Winnie Rose Fallon's very first GIF!
No doubt it's the first of many to come from her technologically astute (and super-hip) dad, talk show host Jimmy Fallon. (Adorably, he has already used Instagram, Twitter, Tumblr, and his Late Night website as his personal, digital baby brag book.)
"Now I understand why people are on Facebook," he quipped the day after his wife, Nancy, gave birth to their first child. "I'm showing strangers pictures. … Did you see my baby? Wanna look at my baby?" Watch his clever June 24 monologue below:
As you can see, that "other baby" also knows how to wave…
Yeah, that's great. But can either of them fart and sneeze at the same time? Well, Kourtney Kardashian's baby, Penelope Disick, can!
And they're not the only GIF-errific celeb babies, either. Victoria and David Beckham's daughter Harper Seven was in the world only a few days when her first GIF hit the net:
Jay-Z and Beyonce's little darling, Blue Ivy, also got one:
And Ice-T's baby nephew Austin will probably wish his babyhood wasn't commemorated with a GIF -- at least not this one. Here's what happened when Ice's wife Coco got her hands on him:
Sad but true: The Internet can even be embarrassing for babies.
Jennifer Graham Kizer is an Atlanta-based writer who covers pop culture and watches too much TV. Luckily, iVillage gives her an excuse to watch even more. Follow her on Google+.


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Game description: Speed Night 2
Speed Night 2 - races on the streets of the night city, collect coins and bypass rivals. In the game there is weapon, modernizations and bonuses influencing the game.
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Dr. Kaelin has two offices in Florida.
Specializing in the field of Vascular Surgery, Dr. Kaelin is prepared to evaluate and provide surgical treatment for complications and diseases of the blood vessels, including traditional open surgeries or endovascular surgical techniques. Dr. Kaelin is able to perform a variety of treatments, including the removal of plaque from arteries, as well as surgical treatments to prevent aneurysms, heart attacks or coronary artery disease, among others.
Dr. Kaelin works with three doctors including Dr. Mitchell Massie and Dr. Robert Brumberg.
Provides for the surgical treatment of diseases affecting the circulatory system.


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Paris Mortel (Mortal Paris) by Joan Van der Keuken, First Edition
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SKU: parismortel
Paris Mortel (Mortal Paris) by Joan Van der Keuken
First Edition, First Printing, 1963
Includes Scarce Dust Jacket
Exceptional Condition
This is a very rare first edition, first printing of Joan Van der Keuken's critically acclaimed photobook "Paris Mortel (Mortal Paris)" published by Hilversum, The Netherlands in 1963. Although he is best known as a filmmaker, Joan Van der Keuken started his career as a still photographer and produced 3 incredible photobooks, Wij zijn 17 (1955) and Achter Glas (1957), and Paris Mortel (1963). In 1956, Joan Van der Keuken moved to Paris to study at the School of Film. During the period of 1956 to 1958, he took thousand of photographs that eventually formed the basis for "Paris Mortel". In their photobook reference work, "The Photobook: A History", Parr & Badger wrote, "Van der Keuken was concerned with burying the myth of romantic, timeless Paris … it concentrates on Paris as a complex web of socio-political relationships. "Paris Mortel" sees Paris not as a monument or artificial film-set, but as a working, and working-class city… "Paris Mortel" can be added to the long list of classic photobooks made about the French capital."
Containing 65 photographs printed in gravure on French-fold leaves and measuring approximately 11" x 8.5", the book is bound in grey linen covered boards with a blue cloth-effect dust jacket. The condition of the book is FINE and the dust jacket is Near FINE+ with some tiny flaws: small area of residue from bookseller's sticker front paste down; jacket reinforced internally at crown of spine (less than 1/4") and at upper corners of fore-edges (1/8"); slightest trace of fading at spine. Overall, this is an exceptional copy of one of the most sought after photobooks ever produced that is rarely found in such wonderful condition.
Cited in "The Photobook: A History", by Parr and Badger.
Photographs of the dust jacket front and spine as well as photographs contained in the book appear below. Also included is a picture of the paper split and the foxing to the endpapers. Please note that although the photographs appear digitized as thumbnails, they are viewable in the photo viewer by clicking your mouse on the thumbnail.
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Four Points Hotel Directory: New Hotels
One of Our New Hotels: Four Points by Sheraton Las Vegas East Flamingo - Opening April 2, 2015
Note: Bird's eye view has only 2 zoom levels.
Please note: Some new hotels may not yet have a street address and may not appear on the map.
= New and upcoming hotel


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There were moments not too long ago when both Will Power and Ryan Hunter-Reay thought their careers might be over. NFL Super Bowl Jersey . Power was deeply in debt eight years ago, certain he was headed home to Australia to join the family business because he couldnt afford to continue chasing his racing dreams. Hunter-Reay couldnt find steady work for almost two full seasons and figured there was nothing left for a young American driver. They stuck with it, and find themselves locked in a tight race for the IndyCar Series championship. Hunter-Reay goes into Sundays race at Edmonton with a 34-point lead over Power in the standings. Its the first time at this level that he has led the series standings, and Hunter-Reay got there with three consecutive wins. At 31, Hunter-Reay is proof that the journeyman driver can still be successful. "I really feel like Im living the American dream right now, especially because its been such a tough go for me at times throughout my career," Hunter-Reay said. "I didnt have the means, I didnt have the last name and Ive gotten here today based on merits and work and with results and persistence." Stuck in the middle of Americas open-wheel racing split, Hunter-Reay spent his first three seasons in Champ Car with three different teams. But there was nothing for him in 2006, and he came close many times to walking away from racing. "I got within a couple of months of not knowing what to do anymore," he said. "There was nothing left, there was nothing out there. The well was drying up and I was literally sitting there every day looking at a list of phone numbers, dialing numbers every day, and getting nowhere. "At some point you have to look yourself in the mirror and say, You are going to have to do something else if you are going to make a living." The breakthrough came midway through the 2007 season when Bobby Rahal called and offered him a ride for the final six races of the IndyCar season. It was the entry he needed, and Hunter-Reay carved a spot for himself in the series that made him a viable option for Andretti Autosport in 2010. Now in his third season with the same team—the longest stretch of job security Hunter-Reay has had in years—he has put together an impressive streak. He is the first American since Sam Hornish Jr. in 2006 to lead the points standings, and hes just the 23rd driver in U.S. open-wheel history to win three consecutive races. Power is part of that group, too. The perennial title contender started the year with consecutive wins at Barber, Long Beach and Brazil, and led in points through seven races. Crashes at Indianapolis and Iowa have contributed to his slip, but Power has admittedly not been on the same pace of late as Hunter-Reay. Now, something has to give: Of the 21 other drivers to win three races in a row in a season, only Paul Tracy in 1997, and A.J. Allmendinger and Scott Dixon in 2007, failed to win the championship in that year. "I feel Im a contender, I really do," Power said. "I feel like if we get everything right in the next five races we have a legitimate chance of winning the championship. Were one of the quickest out there, and when things go right on a weekend, were always on the podium or we win the race." History would suggest Power is the favourite this weekend at Edmonton, where he won last year on the redesigned 2.2-mile, 13-turn temporary street course. He started on the pole in 2010 and finished second, and he won in 2009. Hes the most dominant road course racer in the series right now, but isnt taking anything for granted, especially since Hunter-Reays wins have come on two different ovals and a street circuit at Toronto. "Theres no one dominant. Theres no one getting all the poles. Theres no one really winning all the road course races. Its really mixed up," said Power, adding that Hunter-Reay has "always been strong. This year hes just been more consistent. Hes executing week in, week out. In my opinion hes the strongest guy in IndyCar racing right now because hes strong in both disciplines, oval and road." But its not a two-driver race. Powers Penske Racing teammate Helio Castroneves is third in the standings, and Target Chip Ganassi Racing driver Scott Dixon is fourth. "Its been our No. 1 goal to beat Penske and Ganassi because they have been the dominant forces," Hunter-Reay said. "But we know now we can beat them on any weekend, it can be done. Its going to be hard because four of the remaining five races are road courses and street races, and Will is going to be a threat to win at every one of them. Dixon will be tough to beat anywhere, anytime, and I think Helio is going to be tough, too. He can put together a run here at the end of the season." Power said Hunter-Reays streak has given him the kick in the pants he needed. "Im really back to being focused and ready and positive, and its kind of good to feel this way at this time of the season," Power said. "Feeling good, feeling fit and ready to go." NFL Customized Jerseys . But the third-year Marlies goaltender is anxious to impose a more commanding presence in the net, a facet of his game engineered in concert with the organizations new goalie coach Rick St. Super Bowl Womens Jerseys . Andrea Bargnani scored 23 points and DeMar DeRozan added 19 for the Toronto Raptors on Saturday, but their solid nights were spoiled by a horrendous second quarter en route to a 93-83 loss to Philadelphia 76ers. http://www.nflsuperbowljerseys2013.com/ . Enjoy your memories, Butler. Super Bowl Authentic Jerseys . The weather forecast is for continuous rain in the region through the evening with clearing expected Sunday morning. The race will now be held at 1:30pm et/10:30am pt on Sunday afternoon. Super Bowl XLVII 47 Jerseys .C. —John Huston shot a 6-under 66 on Saturday for a share of the second-round lead with Nick Price and Kenny Perry in the Champions Tours SAS Championship. OAKLAND, Calif. —Nursing a three-point lead and backed up to the shadow of his own goal posts, rookie Brandon Weeden engineered a touchdown drive that gave the Cleveland Browns a happy plane ride home for a change and hope for a much brighter future. Weeden threw for a career-high 364 yards and a touchdown and made key plays on the clinching 94-yard drive that helped the Browns snap a 12-game road losing streak by beating the Oakland Raiders 20-17 on Sunday. "That was kind of a statement," Weeden said. "We strung together a lot of really good plays. That shows the potential we have as an offence, and thats encouraging. We had a lot of guys make different plays." Weeden hit fellow rookie Josh Gordon on a 44-yard score in the second quarter and Trent Richardson scored on a 3-yard run after Sheldon Brown made a key interception deep in Cleveland territory when the Raiders (3-9) were driving for the potential tying or go-ahead score in the fourth quarter. It all added up to the first road win for the Browns (4-8) since beating Indianapolis 27-19 in the second game of the 2011 season. The skid started a few weeks later with a loss in Oakland and went deep into this season. "You dont want streaks like that," coach Pat Shurmur said. "Lets face it, over the last few years we havent done a great job of winning games. And so, as we take this journey with this young football team, theyre starting to learn." The Raiders have lost five straight for the first time since a six-game losing streak in Lane Kiffins first year as coach in 2006 and have been eliminated from playoff contention for a 10th straight year. There was more bad news after the game as Oakland coach Dennis Allen had to fly to the Dallas area to be with his father, former NFL linebacker Grady Allen, who has a serious health issue. Dennis Allen is expected to rejoin the team Wednesday night, a day before the Raiders host Denver. The biggest blunder for the Raiders came when rookie Juron Criner used a double move to get behind Brown and Carson Palmer underthrew the deep ball with Oakland already in position for a game-tying field goal. Brown intercepted the pass at the 6-yard line and Weeden engineered an impressive drive beginning with 9:31 to play. "I was trying to take a shot there, go for the touchdown quickly and just didnt put the ball in the right spot, didnt give Juron a chance to make a play on the ball," Palmer said. Weeden completed an 11-yard pass on third-and-3 to Gordon to get the Browns started and also had a big 22-yard pass to tight end Benjamin Watson. Weeden thhen converted a fourth-and-1 sneak from the Oakland 45 and Desmond Bryant jumped offside on a third-and-1 from the Raiders 10. Super Bowl Elite Jerseys. Richardson scored two plays later to give the Browns a 20-10 lead with 3:27 to go as the Browns won for the fourth time in seven games since an 0-5 start to match last seasons win total. "Probably a defining drive of the season," Brown said. "We had an opportunity to see the character of that offence." The Browns have been improved defensively of late and Weeden had one of his best games as a pro. He completed 25 of 36 passes and overcame two first-half interceptions to lead the impressive late drive against a banged-up secondary that lost safeties Matt Giordano and Mike Mitchell and cornerback Phillip Adams to concussions. Richardson ran for 72 yards and Gordon had six catches for 116 yards as Cleveland took advantage of Oaklands struggling defence. "We cant stop the run, we cant stop the pass," Raiders cornerback Michael Huff said. "Things just arent going well on defence. Right now I guess were just a bad defence. We cant really hide it. At this point, the numbers dont really allow it. Were just bad right now." Palmer was 34 for 54 for 351 yards, including a 64-yard touchdown to rookie Rod Streater. He added a 17-yard TD pass to Brandon Myers with 1 second left but it was too late. Myers caught 14 passes for 130 yards, tying Tim Browns franchise record for catches in a game. Oakland showed signs of life late in the third quarter when Desmond Bryant blocked a 28-yard field goal attempt by Phil Dawson. Four plays later, Streater made a good adjustment on a deep pass from Palmer that cut Clevelands lead to 13-10. But thats as close as the Raiders got. After getting outscored by 90 points during what general manager Reggie McKenzie recently described as a "terrible November," the Raiders didnt get off to a much better start in December. They punted on their first four possessions of the game and fell behind 10-0 as Dawson kicked a 41-yard field goal early in the second quarter and Gordon beat Ron Bartell deep on a 44-yard touchdown pass later in the second. Sebastian Janikowski got Oakland on the board with a 51-yard field goal, but was wide right on a 61-yarder at the end of the half. Notes: Dawson had made a career-high 29 straight FGs before the block. ... Janikowski kicked his 40th FG of at least 50 yards, tied with Morten Andersen for fourth most all time. ... The attendance of 43,641 is lowest at Oakland since the Raiders drew 32,218 on Oct. 3, 2010. ' ' '
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The Angle Between Planes - Problem 1
Which of these planes are parallel and which are perpendicular? Let's take a quick look. I've named the planes M1, M2 and M3. Remember that planes are parallel if the normal vector of 1, is a scalar multiple of the normal vector of another. Let's write down what the normal vectors are.
I'll call n1 the normal for the first plane. It's <2, -1, -3>. N2, the normal vector for this guy, <-4, 2, 6>. N3, the normal for the third plane <2, -8, 4>. Are any of these a scalar multiple of the other? Well looking at this list, I'm noticing that 2 times 2 is 4, 1 times 2 is 2, 3 times 2 is 6. If I multiply by -2, I can get this vector to become this vector. -2 times n1 is going to be <-4, 2, 6>. That's exactly this guy. So n2 is -2 times n1, that means that plane m1 is parallel to plane m2.
Now what's the relationship between these two planes which are parallel and this third one? Well it doesn't actually appear that, well this guy is definitely not a scalar multiple of this guy. Because we would have to multiply the 2 times 1 to get 2, but we can't multiply this by 1 to get -8. They're not parallel for sure. But they could be perpendicular, and the way to test for that is to take the dot product.
Let's take the dot product of n1 and n3. That's going to be 2 times 2 which is 4, plus -1 times -8, 8. Plus -3 times 4, that's -12. That is 0. That means that plane 1, M1 is perpendicular to M3. Since M1 is parallel to M2, M2 is also perpendicular to M3. That's how the planes are related.
Remember the test for parallel planes is, one normal vector will be a scalar multiple of the other and the test for perpendicular is the dot product of the normal vectors will be zero.


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International students must submit official transcripts translated into English to the admissions office. International students are also required to have non-US school transcripts evaluated by a professional credential evaluation service. The applicant is responsible for all costs associated with this service.
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K-12 Technology News
Blackboard has just added a new feature to its Blackboard Connect notification service that allows teachers to send messages to parents one on one. Blackboard Connect for Teachers includes about 100 pre-recorded comments to address assignments and exams, classroom conduct, and work habits that can be strung together in a message. Messages are pre-recorded in 22 languages and are automatically sent in each family's preferred language. With the new service, teachers can notify parents of behavior and performance changes, deliver assignment reminders, and provide feedback.
According to Karl Engkvist, executive vice president of Blackboard Connect, to use the service, teachers log into the Blackboard Connect for Teachers Web site, where they see a list of their classes. They can then expand those to see the students that are enrolled in each class. They have the option of adding a comment for an individual student or an entire class. Messages sent to a student's home from more than one teacher are bundled together; parents receive no more than one message per student per day. The messages can also be personalized with both the teachers' and the students' names.
"We saw that teachers were looking for ways to communicate more directly with parents but being constrained with the amount of time it takes to do that," Engkvist said. "With growing class sizes, how busy people are, with it being less likely for people to attend parent-teacher conferences, with report cards coming out only four times a year, a lot of teachers are looking for more immediate ways to [provide] feedback. So it seemed a natural extension of what we've been doing with mass notification to take that functionality and apply it to an individual teacher's daily life."
Engkvist said that the service requires "some front end work on the part of the administration," but once that's done, automated integration with the district's student information system loads class information for teacher access. For that reason, the company is targeting existing customers of Blackboard Connect for the new service--1,700 districts, representing about a quarter of the total United States K-12 school population.
The newest feature was beta-tested by 2,700 teachers who sent about 1.4 million calls to parents in the last year. "What we heard was that the system was very intuitive," Engkvist said. "We built in videos to allow somebody to learn how to use the system online. Within 10 minutes they can get started with the system. They like the ease of use. They like how they can string together several messages and have it sent out in multiple languages. The main thing that teachers said was that it saved them a lot of time and it allowed them to communicate with parents in a way they weren't able to before."
"Blackboard Connect for Teachers has been a tremendous tool for parental involvement in our district," said Blake Chism, IT director at Orange Unified School District in California, which has been working with Blackboard to test the system. "It's especially helpful for parents in our lower-income schools and those who don't have regular access to e-mail during the workday. Now teachers can reach every parent through a phone call that is sure to reach them quickly."
Cecile Nedellec, World Language Department chair at Junipero Serra High School in the San Diego Unified School District, used the service to send 2,500 messages last year to families representing various cultures and languages.
"This is the first time in five years as a teacher that I've been able to reach all my students' families, regardless of the language spoken at home," said Nedellec. "If a student is falling behind in class, I can send a message and by the next day find that the student is on task, working harder in class, and has completed the homework assignment. Parents regularly thank me for keeping them informed, and students appreciate the positive reports I relay back home."
The company said the top five "affirmative messages" used by beta testers were:
The top five "proscriptive messages" included:
During the beta testing process, teachers suggested that Blackboard figure out how the new function could be used to help the schools apply for federal funding. "Some said this would be helpful for kids at risk, special ed kids, schools entitled to Title I funding," Engkvist said. "Those teachers asked us to work with their administrators to ensure that messages we were delivering would apply to those funding and reporting requirements. That's feedback we've injected into our product development roadmap as a result."
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Kenny Chesney Is Billboard's Top Country Artist Of The Millennium!
[lastfm link_type="artist_info"]Kenny Chesney[/lastfm]'s current single "Somewhere With You" has made him the most prolific Country Artist of the millennium! It's currently sitting at #1 on the Billboard Country Chart and #33 on the Hot 100 … it's been at the top for 3 straight weeks now!
Kenny is also a 4-time Country Music Association and 4-time Academy of Country Music Entertainer of the Year … that's 4 years in a row for both! Let's do some math here, he has had 21 songs of his reach the number 1 spot on the charts for a whopping total of 53 weeks. So since we are counting from the beginning of the millennium, in just over 10 years Kenny has been in the number 1 spot almost 10% of the time!
You can see Kenny along with Zac Brown Band Saturday, March 19th at Raymond James Stadium!


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It is a HOT Friday at TechShop Menlo Park and everyone is sweating and working hard on their projects. Some watermelon juice sounds great but how do we make it with what we have around? :)
Step 1: Supplies
Step 3: Shape hanger and insert into a drill
Step 4: Drill the watermelon
love it!!! great job...
Also I would take Quester55 suggestion into perspective.
Keep up the good work.
I'd like to see it done with grapes or currants.....
I find a Clean mini-whisk does an even better job and it's made of stainless steel.
F.Y.I. For more great fun, after juicing the melon, look up how to make Watermelon Wine. Great for those Hot week-ends .
Don't forget to enter this in SHIFT!'s Water Challenge!
(Not sure if the link above will work.)
Just copy the URL for this Instructable and paste it in the comment section.
When SHIFT! updates the contest, he'll add your Instructable to the rest of the posted entries.
If you still need help, let me know... and best of luck to you!


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Statement by Oceans Campaign Director John Hocevar
Today, the operator of Shell's drilling unit that ran aground south of Kodiak Island in 2012 announced that they will plead guilty to eight felony offenses and has agreed to pay $12.2 million dollars in fines and community service payments. In...
Anchorage, AK- December 2, 2014- A coalition of environmental groups projected a "Save the Arctic" message on the side of the Crowne Plaza Hotel in Anchorage last night as Alaska Natives, Arctic experts and local activists testified for Arctic...
Senators Whitehouse and Schatz Unveil Carbon Fee Legislation
Greenpeace today condemned the Government of Japan's rush to resume Antarctic whaling and called on them to abide by world opinion and the clearly expressed desires of the International Whaling Commission (IWC).
Washington DC, November 12, 2014 - In a joint announcement with President Xi Jinping of China, President Obama announced the US would cut climate pollution 26-28% under 2005 levels by 2025, while President Xi announced China would peak emissions...
Amsterdam – Greenpeace International today announced their support of Marker Assisted Selection (MAS), or Smart Breeding, as a way to develop plant traits required to face the different challenges of today's agriculture: from disease-resistance...
Washington, DC - Greenpeace is pleased to announce the hiring of new Chief Operating Officer Franklyn Baker, who will join the senior management team of Greenpeace USA.
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Sunday, December 28, 2014
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While the College of Cardinals plans to meet Monday to set a date for the Vatican conclave to elect a new pope, the absence of a sitting pope was palpable in Vatican City Sunday. NY1's Vivian Lee filed the following report.
VATICAN CITY - On Sundays, St. Peter's Square in Vatican City is usually bustling with people. But on this Sunday, as one person put it, the square "seemed to lack the excitement. It seemed empty."
It's not every Sunday that the Angelus, or blessing, is missing from the central balcony where it's delivered by the pope. But because there is no sitting pope, that Angelus did not come, and both tourists coming here for the first time as well as those who have come here before said the mood is decidedly different without that blessing and without a sitting pope.
Shop keepers have noticed, too.
"Usually, we have half an hour, one hour after Angelus, people come here, ask for something about the pope, and then, about lunch time, it's finished," said Susanna Ciucci, a souvenir shop worker. "Today, it's a little, little different because we don't see anything."
That doesn't mean excitement isn't building. Rev. Brandon Rolling traveled to Rome from the Kansas City area for a papal election he didn't think he'd see in his lifetime.
"In terms of being in Rome and potentially seeing the balcony open and a new holy father appear on the balcony, what a great opportunity," he said.
It's a chance that Alice-Marie Stone from Bethesda changed her travel plans for. A devout Catholic, she was headed to the Amalfi Coast, but added Rome and a few more days in case the decision on a new pope comes fast.
"We wanted to see that white smoke, the Fumata Bianca," she said
Even those who are not Catholic appreciate what's about to happen: the changing of the guard for an influential figure. Becky Harrell from the Outerbanks already planned her vacation in Italy, but the papal election added some sparkle.
"He's so significant worldwide," she said. "I'm not Catholic, but I'm interested in it."
Cardinals from around the world are set to meet Monday to begin discussing when to start the conclave to elect a new pope.
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To enroll in Internet Banking, click the login button above, then click the "Enroll" link on the Login page.
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Call us toll-free: 866-482-8919
Via Fax toll-free: 866-339-4787
Online: www.deiequipment.com
High-performance, Powerful 3 Hp motor lets chefs puree soups, emulsify dressings, grind flours, and chop salsas and compotes. Unique, one-touch chopping function with speed control thoroughly chops solid ingredients. Adjustable speed dial offers chefs variable speed options. Patented stainless steel jar design keeps ingredients circulating through the blades to ensure that contents are well-emulsified. Unit comes with base, one 64 oz. stainless steel container, dosing cup, lid.
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What is the Ceiling on DIY Distribution?
Last week was a good week for ComixTribe.
SCAM #1 by writer/artist Joe Mulvey, our first release of 2012, generated an incredible amount of buzz with its debut on January 25. Despite a first printing of just 777 copies and being available in just a few dozen comic shops in North America, SCAM #1 was IGN.com's "Comic Book Pick of the Week", was featured on iFanboy and Bleeding Cool, and received a 9 out of 10 rating from Newsarama.
Pretty damn good for an indie.
Now, by no means is SCAM the only indie title in recent months to generate, what many could argue, is outsized hype for such a limited run.
Sam Humphries' Our Love Is Real gave this new DIY distribution movement its first real success story last year. With a first printing of just 300 copies sold in only a handful of stores, Sam's book sold out fast, and thanks to strong reviews and Bleeding Cool coverage, the speculator market for that book was very strong. Sam parlayed this into another sold out 2nd printing, and eventually a deal with Image Comics to distribute the quirky black and white one-shot nationally. (I spoke to Sam about that book in a TRENCHES interview last September that is well worth your time.)
ComixTribe took note of what Sam did with his book in California, and tried to replicate his success with THE RED TEN #1 by partnering with members of the New England Comic Retailers Alliance (NECRA), offering that network of retailers 30-day exclusivity to the book. Since then, powered by solid reviews and strong sales, and spread by the powerful #comicmarket hashtag on Twitter, THE RED TEN has continued to build steam, and is now in some 30 retailers in North America.
Then, in January, Humphries took his DIY game to the next level with a new mini-series SACRIFICE, which debuted in January with some 60 shops on board, and a print run in the mid 1,000s.
On the west coast, Brian Buccellato seems to be building some serious buzz for his creator-owned series Foster, which if I were a betting man (and I am) I'd say is the next self-distributed indie title to build real interest.
Which brings us back to SCAM, a self-distributed, creator-owned, limited print run book which, arguably, could not have been received any better.
Okay, before you accuse me of over-selling and puff piece-ing, I'll be the first to admit that SCAM is not a perfect book. And I expect, now that it has some heat, we'll start hearing some backlash. (Success, even at the smallest of levels, tends to breed the hateration.) But it's undeniable that SCAM's reviews have been great. And more importantly, shops that are carrying it are reporting strong sales, with many already selling out, including MaximuM Comics in Las Vegas, who sold out of 100 copies of SCAM day one! That's a home run, any way you slice it.
SCAM's success puts ComixTribe in a unique (and somewhat daunting) position to answer a question which the entire indie comics community would love to know the answer to:
What is the Ceiling on DIY Distribution?
Okay, we all know Diamond Distribution is pretty much the only game in town for national distribution of comic book material. As one prominent retailer advised me, "Diamond is a direct pipeline to the 1700 comic book retailers around the nation."
I and ComixTribe have nothing against Diamond. You won't hear us railing against them as gatekeepers or "keeping the little guy down." Honestly, if Diamond doesn't want to carry a publisher's indie book, it's probably because they don't think it has any chance at selling to their distribution network. And, though it may be a hard pill to swallow, in most cases, their judgement is probably better than ours about that.
As a small-publisher, we have not ruled out working with Diamond in the future. (In fact, I have a submissions package more or less ready to send their way.) But, looking at their catalog, it's hard to think that getting featured there is a sure path to wider distribution. Getting buried in that massive catalog, one designed primarily to move 40 -70 year old properties owned by major media empires, isn't something that we can afford.
What's more, we're finding that one of the strengths of our current DIY approach is that we are establishing direct, personal, and ideally long-term relationships with comic retailers- the men and women on the front lines of the battle for the hearts, minds, and dollars of the comic market. With this direct connection, as a publisher, we can offer concierge-level service to comic shops, and provide exclusive products that help create a unique selling proposition for those shops.
But is this sustainable? And if so, how high can it go?
SCAM #1 sold 777 copies in a few dozen shops. There are probably a few 1000 copies of SACRIFICE, now on its second issue, in the market right now. And I have no doubt the 500 issue first printing of FOSTER #1 are going to be gone soon, if they aren't already.
But what's the ceiling for DIY distributed sales? 1,500? 2,500? 5,000? 10,000?
And more importantly, who is going to find out?
The "Math" Problem
I don't think there's anything wrong with calling SCAM, SACRIFICE, FOSTER, and THE RED TEN success stories. Getting ANY coverage for indie books in an industry whose headlines are currently dominated by Avengers punching X-Men, corporate logos changing to nobody's satisfaction, and ever shuffling creative line-ups, is a win in my book. But ultimately, coverage isn't what's going to keep these books coming out…
Money is.
For a DIY model to be sustainable, it ultimately needs to be profitable. And the reality is, a 28, 32, or in SCAM #1's case, a 44-page full color book, sold at a 50% off cover price to retailers is, at best, a break-even proposition. While it's true that that's about 11% less than the discount you would have to give Diamond, at print runs of 500-1,500, it's impossible to get print costs down low enough to see a profit on those sales.
It really isn't until runs are around 3,000 or so that these books start generating anything resembling a profit.
So, for a DIY approach to be sustainable, those print runs MUST get into the mid-four digits.
(For comparison's sake, a mid-four digit selling book would probably just crack the top #300 list of comics sold through Diamond.)
But maybe it's not about being profitable…
Perhaps I'm being short sighted. Perhaps these indie break-out DIY success stories aren't about making money through the direct market. Perhaps instead they're about exposure, furthering your career, or generating sales through other means. Let's discuss the "long game" for a moment.
First, exposure. No question building DIY buzz can generate heat and exposure for an indie property and creator. The comics world is a small enough pond, that it doesn't take all that many headlines to feel like you're the talk of the town. And that's a great thing. Expanding one's platform is important. But as the old saying goes, "you can also die of exposure." Exposure doesn't keep the printers running or work-for-hire collaborators paid. Exposure doesn't let anyone quit their day jobs to focus on comics. Exposure, without a plan to harness, isn't much of anything at all.
On the other hand, we're already seeing how some creators are taking this approach and running with it to advance their careers. Humphries was able to parlay his DIY success into both a publishing deal with Image, and work on a high profile license for Marvel. Mulvey's commissions requests are increasing, and you can bet it won't be long before both he and SCAM colorist Andrew Crossley are in high demand at the Big Two. DIY and indie comics have long been a stepping stone for "real work" in the industry. But what if you're not that interested in drawing or writing the 679,954th Peter Parker yarn?
And finally, there's an argument that the heat generated by limited direct market success can be parlayed into other, more profitable ways of making money with the property. Humphries likely put a few bucks in his pocket selling signed Our Love is Real and Sacrifice variants at 10 and 20 times cover price on E-bay. First printing sketch cover variants of SCAM #1 are selling quite well online at a $24.99 price point (which is arguably still a steal for a one of kind piece of art.) And I have no doubt with the help of great buzz, reviews, and increased product awareness, SCAM and THE RED TEN are going to tear up the convention circuit this year…Boston Comic Con, get ready!
And then, there's digital. There's great hope that direct market and mainstream comic market buzz will generate increased digital sales, which have a marginal production cost of zero and are thus all profit to the creator. Because ComixTribe is not currently working with Comixology, the biggest player in digital comics, I can't speak with authority on the true state of digital sales. (Come on Ron Perazza let's do some business!) But we did make SCAM #1 available at both DriveThruComics and Graphic.ly at the same time it released at comics shops. Jury is still out on digital sales through those channels, and I'm optimistic that they WILL be up for SCAM, likely improving from bus fare to beer money. But alas, still not anything close to fun money.
SCAM is a Hit…Now What?
So, I've had a long winded discussion, and probably stated a lot of things indie creators already know. So what's ComixTribe's next move?
As I said, given the critical and reader reaction to SCAM, and its sales success for many of our retail partners, we're in a unique position to see just how far we can push this thing. I want to test the ceiling for DIY distribution. I think it would be a valuable thing for the indie comics community to see.
So why not us?
Who are the 200 Most Indie Friendly Comic Book Retailers in the World?
That's what we aim to find out.
ComixTribe's new goal for Spring 2012 is to get our books carried exclusively in 200 comic shops. 200 is a nice, big, round number that still represents a small % of the comic market. We want to move 2,500 copies of SCAM #1 (2nd printing) and 2,500 copies of THE RED TEN #2 (second printing) in February. 5,000 books is a big number for a non-big 6 publisher. It's nearly unheard of for DIY.
But why not swing for the fences?
We want to see how far we can push the DIY Distribution model. We want to set a new benchmark, and then challenge other DIYers to show us how its really done and top us.
Now, I'm sure there are plenty of comic veterans out there who want to pat me on the head and say, "We've all been there. You'll learn eventually that the only game in town is Diamond, and you have to play by the rules." And we certainly will be pursuing that approach as well.
But right now, we're going to strike while the iron is hot and see if we can make some more headlines breaking the rules before we start following them.
If you're interested in being one of 200 retailers carrying ComixTribe books this spring, we want to entertain your customers. Contact me directly at tyler.james @ gmail.com or reach out to me at Twitter (@tylerjamescomic.)
Indie Creators…
Sound off. What do you think? How high can DIY rise? Comments are open below.
Tyler James is a comics creator, game designer, and educator residing in Newburyport, MA. He is the writer and co-creator of superhero murder mystery maxi-series THE RED TEN, EPIC, a superteen action comedy, and Tears of the Dragon, a swords and sorcery fantasy. His past work includes OVER, a romantic comedy graphic novel, and Super Seed, the story of the world's first super powered fertility clinic. His work has been published by DC and Arcana comics.
Tyler is the publisher and co-creator of ComixTribe, a new website empowering creators to help each other make better comics.
Contact Tyler via email ([email protected]), visit his website TylerJamesComics.com, follow him on Twitter, or check him out on Facebook
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About the Author (Author Profile)Tyler James is a comics creator, game designer, educator, and publisher residing in Newburyport, MA. He is the writer and co-creator of THE RED TEN, a superhero murder mystery, EPIC, a superteen action comedy, and TEARS of the DRAGON, a swords and sorcery fantasy. Tyler is the publisher and co-creator of ComixTribe, which is both a new imprint of quality creator owned titles, and an online community where creators help creators make better comics. Follow him on Twitter @tylerjamescomics, or send him an email at [email protected]
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Love this post! Honestly I don't think there is a ceiling. Just because it hasn't been done or because its tough doesn't mean its impossible. If you stick only to what has worked in the past for selling comics and reach out to only the regular comic reader audiances then yes there is a ceiling unfortunately. This is a great place to start and to nurture a strong brand but eventually you have to expand the brand outside of that audience.
Thing is with the shapeshifting properties of our beloved medium I think the potential for this kind of expansion has never been better. And a small publisher like comixtribe certainly has as good a chance as any to open up the market pushing your brand and comics as a medium forward. I think with hard work and time you could even start to compete and surpass diamond with individual titles. Of course by then you may decide to distribute through them or another publisher. But what your learning will help you to be successfull in that realm as well.
So yea I say go for it. And I really think sky is the limit. Someone has to push this medium further. There's no reason in my mind it can't be you guys at least in part. Keep up the good work!
Oh and I think supplimenting comic sales with special editions and merch and digital is definitely a smart move. Possibly the only way to turn a good profit at first. Almost using the comics as a promotional product as a gateway to deeper fan involvement.
Well, I want to say congratulations on your current success and I wish you guys much more. The site provides many great DIY ideas.
One of the biggest questions is how to expand the market for indie books that are as good as any book on the shelf. I have to argue that I am all about being profitable as well as getting my name out there. I can say until I became a creator I never even read the previews and honestly it feels antiquated.
The most important thing to push DIY distribution to the next level is co-promotion and marketing. I've met some awesome creators that I wouldn't have know existed unless I wen to a convention they attended.
Creating buzz behind books requires great material. That is the first step. Make a good book. I think I am going to try this out for myself in the coming months, and am curious to see not how many books I can sell, but how much buzz I can get behind myself.
I have a book that I made that I think is pretty good, and others have told me likewise, but the marketing pitch is the biggest hurdle of all. Since the book has been in my hands for awhile now, I think that I have a pitch for it that works really, really well, and I know my audience, because my audience is me, the mid-30 white guy that likes Superhero stories with cracking art.
Since my product is an OGN I am not worried so much about the initial print run, as graphic novels can have multiple print runs. The thing I am losing is heat from variants and collectibility. However, I can get my book into bookstores (possibly) and in other venues if I work hard enough at it. It will be an interesting endeavor and I am sure I will learn a lot about it. Good thing I have such great articles to read here to help me with getting my head around things.


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Genius is one per cent inspiration and ninety-nine per cent perspiration.Thomas Edison
To see things in the seed, that is genius.Lao-Tzu
But the fact that some geniuses were laughed at does not imply that all who are laughed at are geniuses. They laughed at Columbus, they laughed at Fulton, they laughed at the Wright brothers. But they also laughed at Bozo the Clown.Carl Sagan
There's a fine line between genius and insanity. I have erased this line.Oscar Levant
There is no great genius without some touch of madness.Seneca
Any intelligent fool can make things bigger and more complex... It takes a touch of genius --- and a lot of courage to move in the opposite direction.Albert Einstein
Genius is another word for magic, and the whole point of magic is that it is inexplicable.Margot Fonteyn
The word "genius" isn't applicable in football. A genius is a guy like Norman Einstein.Joe Theisman
Genius is more often found in a cracked pot than in a whole one.E.B. White
In every work of genius, we recognize our own rejected thoughts; they come back to us with a certain alienated majesty.Ralph Waldo Emerson
Common sense is instinct. Enough of it is genius.George Bernard Shaw
When a true genius appears in the world, you may know him by this sign, that the dunces are all in confederacy against him.Jonathan Swift
If children grew up according to early indications, we should have nothing but geniuses.Johann Wolfgang von Goethe
Genius is an overused word. The world has known only about a half dozen geniuses. I got only fairly near.Fritz Kreisler
Genius is essentially creative; it bears the stamp of the individual who possesses it.Madame de Stael
The man of genius is he and he alone who finds such joy in his art that he will work at it come hell or high water.Stendhal
I have known no man of genius who had not to pay, in some affliction or defect either physical or spiritual, for what the gods had given himMax Beerbohm


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Remember how awesome summer was when you were a kid? Here's how to recapture some of the fun
(10 Photos)
Arricca Elin SanSone
Aug 1, 2012 at 1:16PM
Jeffrey Coolidge/Photodisc/Getty Images
Before the end of the day today, make a fun date with yourself. Maybe it's a mani-pedi, drinks with friends or trying out that new Thai restaurant with your hubby. Forget about your responsibilities for a while -- it's good for you. "Having fun is valuable for our mental and physical health in terms of reducing stress, feeling happier and staying well," says Michelle Gannon, Ph.D., a psychologist based in San Francisco. "Like any other important commitment, put it on your calendar."
Yummy recipes, DIY projects, home decor, fashion and more curated by iVillage staffers.
The very dirty truth about fashion internships... DUN DUN @srslytheshow http://t.co/wfewf
Behind-the-scenes pics from iVillage.


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Mothers Day Memories Darius Rucker
May 7, 2013 7:49 AM
Mother's Day is an annual holiday celebrated on the second Sunday each May. Most, if not all, of your favorite country artists will be honoring their moms and/or wives, or rejoicing over the fact that they are mothers on Sunday (May 12th). Darius Rucker talks about not disappointing his mom, who passed away several years ago. "I think that's the main reason I am how I am…an innate fear of disappointing my mom. My mom's not even alive, and I have a fear of her looking down from heaven and going, 'Man I'm just disappointed in my son.' She could have said anything in the world to me, but if she would have said, 'Son, you just disappointed me,' That would have killed me. It would have killed me."


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The Boston native played at the University of Michigan in 1936-37 then suited up for seven games in Chicago the next season. He then toiled briefly for the AHA's St. Paul Saints and the Detroit Holzbaugh club of the MOHL.
Prior to the 1939-40 season, Heyliger hung up his skates and accepted the head coaching position at the University of Illinois. He guided the Illini four years then came out of retirement to help out with the Hawks' depleted roster in 1943-44. During his second NHL stint, Heyliger was teamed with Fido Purpur and Johnny Gottselig for 26 games before he retired permanently.
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Jul 12 2010 8:25AM
Seven months after its debut, Royal Caribbean's much-ballyhooed Oasis of the Seas continues to sell for far more than its sisters.
Jul 9 2010 9:58AM
The three roundtrip voyages, scheduled for fall 2011, are a first for the line.
Jul 9 2010 8:28AM
The lawsuit, filed Thursday, is just the latest against Park West, the largest operator of art auctions on cruise ships.
Jul 9 2010 7:10AM
USA TODAY's Gene Sloan talks with the founder of anti-sexual assault organization RAINN about crime on cruise ships.
Jul 9 2010 7:05AM
Scott Berkowitz of anti-sexual assault organization RAINN talks to USA TODAY about cruise safety legislation.
Jul 8 2010 11:29AM
Industry giant Carnival has canceled two November sailings of the Carnival Pride so the ship can undergo an overhaul in dry dock.
Jul 8 2010 11:20AM
The line plans a 30-day voyage from Sydney that includes a complete circumnavigation of the island nation.
Jul 8 2010 9:26AM
The European line is offering a 13-night sailing from New York for $899 per person -- less than $70 per day.
Jul 8 2010 8:33AM
Royal Caribbean is expanding a $35-a-person Late Departure program tested last year to more ships.
Jul 7 2010 10:21AM
Executives at the line known for the smaller size of its ships reportedly are hinting it may go bigger.
Jul 7 2010 8:40AM
The 11-ship line says passengers who book select voyages by Aug. 1 can get upgraded cabins at no extra charge.
Jul 7 2010 8:15AM
The line is offering seven-night voyages for as little as $399 per person, but space is limited.
Jul 6 2010 8:35AM
A British cruiser is blaming a cruise line for the amputation of his leg after an accident on a cruise ship pool deck.
Jul 6 2010 7:58AM
The arrival of the 2,106-passenger Nieuw Amsterdam brings the line's total number of vessels to 15.
Jul 2 2010 4:07PM
The 4,100-passenger Norwegian Cruise Line vessel is one of the largest cruise ships ever built.
Jul 2 2010 8:00AM
as Norwegian Cruise Line christens the 4,100-passenger Norwegian Epic.
Jul 1 2010 11:48AM
The 2,124-passenger Carnival Spirit will sail from Los Angeles and San Diego to Hawaii in 2011 and 2012.
Jul 1 2010 9:45AM
The 2,052-passenger Carnival Fascination was adrift Wednesday for several hours before power was restored.
Jul 1 2010 9:26AM
The line says new 'personal concierges' can help arrange private shore excursions, special dinners and more.
Jul 1 2010 7:58AM
A small band of ship preservationists has beat out scrappers to buy the SS United States.


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Interion 40936 Large Low Profile Wall Mount - For 34-60" Flat Panel TVsItem#: I92-40936 | Model#: 40936
- Retail Store:
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Additional Resources
Interion Large Low Profile Wall Mount 34-60" TVs Product Details
Interion I92-40936 Large Low Profile Wall Mount
Enjoy a better viewing experience from your HDTV by installing this excellent Large Low Profile Wall Mount from Interion. This low profile wall mount comes with universal mounting brackets that's capable of accommodating virtually all 34"- 60" flat-panel TV brands. The brackets can even be shifted left and right for optimum flexibility. Grab the Interion Large Low Profile Wall Mount right away!
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Manufactured by: Interion TV Mounts
Warranty provided by: Interion TV Mounts
Limited Warranty: 12 months parts; 12 months labor
Mfg Part No: 40936
UPC No: 022769409368
Box Size: ( Length:34, Width:6, Depth:2)
Shipping Weight: 8.0000 pound(s)
Click here for full warranty and support information
- Limited Warranty: A full text version of the limited warranty
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7795 W. Flagler St. Suite 35
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- Interion TV Mounts logos are registered trademarks of Interion TV Mounts. All others trademarks and copyrights mentioned herein are the property of their respective owners.


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Komen Race for the Cure
The 16th annual Race for the Cure 5K Run/Walk to benefit the Louisville affiliate of Susan G. Komen for the Cure was held on Oct. 8 at Waterfront Park.
About 10,000 people participated in the event, which raised more than $700,000.
photos by LAURA BOSTIC-WOOD | contributing photographer
Category: Weekly


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I've been wearing my all-time favorite lipstick (Mac Fresh brew) for quite awhile and was looking for a change. I tried out this lipstick thinking it would be another wonderful nude lip color. This lipstick hardly showed up on my pigmented lips. With or without liner, it just looked as if I placed clear lipgloss on my lips. It wasn't the look I was going for so I returned it.
1 out of 1 people found this review helpful. Did you? Yes No
I had a sales associate try this on me in the store. I liked it for a nude lipstick. But when I used it at home it doesn't even show up on my lips! I am an NC25
More reviews by StefanieBeauty
I love this nude, it's a warm toned nude which is exactly what I need for my olive complexion. It leaves a beautiful glow to the lip abd gives that "your lips but better" look, perfect for daytime. I go between Mac Freckletone and Maybeline Babylips in Peach Kiss, but Mac Freckletone is minus that slight frosted look you get with the Babylips. If you need a daytime lipstick, go for Freckletone...
My favorite nude lip color of all time. This will always be a color I wear. Love the lustre finish. I line it with cork lip liner and booooom magic happens! Staple!
1 out of 1 people found this review helpful. Did you? Yes No
What is this? This doesn't even show up on my lips. What a bummer.
I would never ever buy this lipstick again. It's just like brown on my lips, stays on like 30minutes and fades away. No, this is a big NO NO.
1 out of 1 people found this review helpful. Did you? Yes No
More reviews by Sabzzluvzzmakeup
This is the most confusing lipstick to me. I am Nc30-35 and when I put this on I don't get "intense peachy" like others claim, It completely disappears on my lip. I can put 10 layers of this on and my lips do not look that much different! If I put gloss over then a little more color pulls through. With that said I do like it because for everyday Its very wearable but it definately looks different on other than myself!
1 out of 1 people found this review helpful. Did you? Yes No
love this lipstick! amazing! where have you been all my life?
Love this color! I was in search of a nude shade for the Spring and Summer. I'm NW47, African-American (Dark Skin), who needed a lot of coaxing from the sales rep (pushy young lady) just to try and test this color. And, she was completely right! It's a soft peachy nude shade with a slight hint of brown. And, if you need a liner try 80% Cremestick Liner by MAC.
Plan on buying 3 more just in case it's discontinued.
1 out of 1 people found this review helpful. Did you? Yes No
I got Freckletone after the MUA recommended it for me. I initially didn't like the look of it in the tube, it looks like a pale peachy colour. But on my pigmented lips, I really like it! It's a mix of peachy/pink/nude. For me it's a lovely natural nude colour, but doesn't wash me out like Creme D Nude. I love the Lustre formular, yes you do have to reapply lots but I'm a fan of no fuss lippie, I can apply this without even looking in a mirror. I like to pair this lipstick with a bronzey blush such as Love Joy. For reference I am NC30 x
3 out of 3 people found this review helpful. Did you? Yes No
I wasn't sure how this would look on me since I'm a cool toned, fair NW15. I thought it might look too orange but I went ahead and ordered it. On my lips it's a perfect peachy nude, not too light or dark. It's sheer but buildable and very moisturizing. It lasted maybe 4 hours before I had to reapply.


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Showing 1-24 of 39 items found in Food & Drink
Cameo Vineyards
This family-owned winery manages seven acres of French-American hybrid grapevines and makes eight different wines, including reds, whites and blushes. A gift shop, and complimentary tastings and tours, are available.
CITY: Greenup
Andrew's at the Westbrook
Fine Euro-American dining in an elegant country atmosphere. Fresh fish and pastries with a French flair. Small vineyard with wine available for purchase.
CITY: Paris
Hershey's/Heath Candy
Heath candy was invented in the early 1900s in Robinson, and Hershey's produced the Heath bar and all of your favorites here.
CITY: Robinson
Castle Finn Winery
Located among the rolling hills and farmland, this central Illinois winery offers more than just wines. The facility offers a stoned back patio, tree-lined pond, and a banquet hall. We welcome weddings, ceremonies, birthday parties, corporate retreats and other special events. Be sure to check our website for event dates for dinner theater productions and live music.
CITY: Marshall
Richards Farm Restaurant
Located in the sleepy town of Casey, IL, Richards Farm is a classic American style restaurant. There is a picturesque 1930's barn with quaint dining areas and even a 300 banquet room. Delicious food, country ambiance and excellent service. Open Daily for lunch and dinner. Sunday buffet from 10:30am to 2:00pm. Check out our menu online! Gary and Diane Richards have owned the historic farm since 1972.
CITY: Casey
Jitters and Bliss Coffee and Treats
Large selection of coffees and teas, coffee drinks, home made ice-creams. Fresh baked breads and pastries. Sandwiches and soups. Gift baskets available.
CITY: Charleston
Savoia's - Paris
Italian-American food, fine dining, carry out, 120 seating capacity, beer and wine. New location on W. Court Street. Check out our website to see our menu and make reservations online.
CITY: Paris
Pasta Alley
Come see noodles and sauce made from scratch. Baskets and shipping are also available.
CITY: Robinson
Midway Meat and Deli
Meat market that also offers delicious sandwiches and meals.
CITY: Robinson
QQ Buffet
Chinese buffet and extensive menu
CITY: Charleston
Jackson Avenue Coffee
Located one block east of historic Courthouse Square. Large selection of coffees and coffee drinks. Pastries. Salads. Entertainment. Next door to and communicating with Calliope Court Boutique.
CITY: Charleston
Kurly Q
Made to order, dine-in/carry out, seating for fifty, burgers and ice cream.
CITY: Paris
Magic Wok
Magic Wok serves a wide array of Chinese specialties. Check out our website.
CITY: Charleston
Main Street Cafe
Seating for 90 people, homestyle cooking, everyday specials.
CITY: Paris
Monical's Pizza - Robinson
Family-style dining, pizza and much more.
CITY: Robinson
Roc's Black Front
Rocs is celebrated for its baby back ribs and original 'Norm's nirvana barbeque sauce.
CITY: Charleston
What's Cookin'
Burgers, sandwiches, wraps, chicken entrees, pasta dishes, Mexican selections, salads. Home of Charleston's famous Strawberry Bread. Catering available.
CITY: Charleston
Country Junction/ Amoco
Friendly convenience store with pizza, hot dogs, chicken and deli type items.
CITY: Kansas
Yen Ching Mandarin
Wide variety of Oriental dishes.
CITY: Robinson
New China Buffet
Seating for eighty, fine dining, buffet, take-out.
CITY: Paris
Pagliai's Pizza in Charleston
Pizza, Dine in or carry out
CITY: Charleston
El Rancherito - Charleston
Authentic Mexican restaurant. Enjoy the finest Mexican food in Illinois. Call ahead for carry outs and check out our other locations.
CITY: Charleston
Paris Family Restaurant
Seats 110 people for fine dining.
CITY: Paris
Lincoln Garden Family Restaurant
Family restaurant and 24 hour weekend diner. Skillets, gyros, pita wraps, salads, soups, pastas, omelettes, steaks,chicken ribs, sandwiches, seafood and childrens menu
CITY: Charleston


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Where to Shop: Jersey City
I think Jersey City is so off-the-radar, because everyone who lives there wants it to remain that way--it's already changing, and quickly! But I never met an independent boutique owner who I didn't want to succeed, so I feel like it's my duty to tell you all about them.
My favorite resource is Hala Vintage, which is well off the main drag (Grove Street). It occupies the ground-floor of a brownstone (326 5th St., 201-653-8877)--and is packed with pristine dresses and tops, along with a handful of covetable designer pieces. Hala, the owner, also has a great eye for vintage shoes and costume jewelry, which you can shop via her Etsy store. I also really like Kanibal (213 Montgomery St., 551-200-9386) a home decor store (see plate below) that also sells well-priced clothing lines and a lot of eco-friendly items.
It's immediately across the street from Antheia (218 Montgomery St., 201-309-9959), a really stunning flower shop. And just a few steps from Walker's Apothecary part spa, and part beauty boutique (stand-outs include Votivo candles and Ren body wash).
Meanwhile, down Grove Street, there's Another Man's Treasure (353 Grove St., 2O1-86O-999O) another vintage clothing resource that's a touch more expensive than Hala. But definitely worth checking out. And just a few blocks away isDeen (140 Bay St., 201-963-3336) another repository for well-priced lines. They also offer a handful of men's pieces and some pet goods. I'm coveting this feather-emblazoned Karen Zambos dress, on sale for $104.
Back on Grove Street, Aspasia (302A Grove St., 201-432-7600) sells J. Brand jeans and Alice & Olivia party tops. And Tia's Place (277 Grove St., 201-451-9358) offers a really deep selection of labels like Ella Moss, Saja, and Jeffrey Campbell.
If you make a trip out of it, you have to go to Beechwood Cafe & Market (290 Grove St., 201-985-2811) for great soaps, lotions, and brunch; Torico (20 Erie St., 201-432-9458) for about eight-hundred flavors of ice cream; and Marco & Pepe (289 Grove St., 201-860-9688) for dinner.I haven't had a chance to explore the whole city yet (particularly Paulus Hook area), so drop me a comment if I'm missing something!
What's with All the Spam in the Comments Section?
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