text: Recently a client and good friend of mine sent me the below article from SmartMoney.com. The premise of the article was that term life insurance was always the way to go and that whole life insurance was terrible. Below is my response to the article. B. Chase Chandler --------------------------------------------------------------------------------------------------------- Patrick, thanks for sending me this article. See my analysis and logic below in red. First let me say that this is an interesting subject. The entire basis of my new firm is to teach people, mainly physicians, professionals and business owners, what's right and what's working most efficiently. We are extremely focused on evidenced based financial planning. If the math can't back it up as being the most efficient strategy we don't use it. One reason for being independent is so that if we are teaching something that is wrong we can change it. I'm sure whoever told you the negative facts about whole life insurance had reasons for telling you that. I addressed why I believe he or she is wrong below… but I also believe that they probably have good reason for saying what they said. Much of what has been sold over the past few decades has been done so in a high-commission fashion. Many people get out there and spout off all the great facts about it, then conveniently leave out the pitfalls. Any strategy has pitfalls. It's also good that you read an article like this before you ever put a lot of money into the product. I encourage people to know the ends and outs. So many people have so many opinions that it's hard to sort through all of them. Since I've engaged in all this research about "what's best" and started our independent firm I've only become more convicted that properly structured whole/cash-value life insurance is the best place to put money (not universal life btw). Also, the commission we take is very low. This notion that agents make ridiculously high commissions is only half true. Some do, some don't. What good independent advisors do is lower the commissions by about 70%. I explain how this benefits you so much below. Hope these answers help! SMARTMONEY.COM INSURANCE APRIL 5, 2012, 4:29 P.M. ET http://www.smartmoney.com/plan/insurance/term-or-whole-life- 8011/#printMode Whole Life Insurance or Term? We'll give you a hint: The one you want begins with a "T." Here's why it makes sense for most people. The right type of life insurance can be summed up in a single word: term. Completely untrue. I very much dislike blanket statements. There's actually no arbitrary right or wrong answer. The right answer relates to the context of what you're trying to accomplish within your plan. But before we explain why, it's important to understand the differences between the most common types of insurance available. Our glossary can help with that, and decipher some of the more common insurance lingo. The basic difference between term and whole life insurance is this: A term policy is life coverage only. On the death of the insured it pays the face amount of the policy to the named beneficiary. You can buy term for periods of one year to 30 years. Whole life insurance, on the other hand, combines a term policy with an investment component. The investment could be in bonds and money-market instruments or stocks. The investment is actually the insurance company's General Portfolio. The government requires these companies to keep 80-85% in fixed income assets; i.e. corporate bonds, government bonds, treasuries, etc. 15-20% of the portfolio is generally invested in equities and equity like assets. What does that mean? The 15-20% is the insurance company's more "aggressive" money. Let's say the company's general portfolio is $50 billion. $7.5 billion (15%) would be their aggressive portion and with that $7.5 billion they would look for opportunities to make as much money as they can. Example: Recently a company we deal with bought a building in Seattle, WA from a company that was going out of business. Since the company was going out of business all they were worried about was selling the skyscraper building as fast as possible; it was a fire sale. The construction cost of the building was $500 million and it was built in 2006. This insurance company bought the building, as the highest cash bidder, for $160 million in 2009. They then turned around and sold the building in 2011 for $450 million. That's a great rate of return. But here are the two main points – first, you and I and all of my clients combined cannot pull of the same type of deal. We don't have the resources. The second point – when you have a policy with a mutual company, you literally own that company. You are a shareholder. You get the profits of the company. So the insurance company is pooling all of the policyholder's money and creating a greater, safer return for each of them. We get to tag along with what the insurance company can do with $50 billion at work oriented to safety first and extreme diversification. The policy builds cash value that you can borrow against. The three most common types of whole life insurance are traditional whole life policies, universal and variable. We do not use universal or variable life insurance, as it does not provide the same safety as whole/cash-value life insurance. With both whole life and term, you can lock in the same monthly payment over the life of the policy. (Read more on how to buy a life insurance policy or determine how much life insurance you will need.) Whole life stays in force for your WHOLE LIFE, hence the name. Term insurance terminates after a certain TERM of time. Cash-value aside, provided you pay the premiums the whole life policy will be around forever. Term will terminate after 10, 20 or 30 years depending on what you decide to buy. 10 year term is cheapest, then 20, then 30. Whole life insurance is expensive: You're paying not only for insurance but also for the investment portion. This statement is very much out of context. Whole life insurance is an asset on your balance sheet. Most people have no clue, especially these writers, how this actually works. The insurance and the cash- value are technically and legally one. The cash-value is an advance of the death benefit. Because you're buying "whole life" coverage you're also buying the right to use much of your death benefit while you're still alive. The cash value and the death benefit must be the same buy age 121, that's when the policy "matures." If you're alive then you get a check for the death benefit/cash value – they are the same! Sometimes people will say "well if you die they don't even give you the cash value. They just give you the death benefit." That's not a logical argument. That extra cost might almost be worth it if these policies were a good investment vehicle. But usually they aren't. Philosophical issue – it is not an investment vehicle. It is a savings vehicle. I'm going to sound like a broken record on this – when the policy is structured correctly you have immediate access to the majority of your cash. At year three you begin seeing gains in what you're putting in. It's liquid and very safe. What other assets are like that? Savings/money market accounts – that's it. That's one of the greatest benefits of whole life, other than the permanent death benefit; you always have access to the cash. When you need money, it's right there. You don't have to go raid your IRA and pay 10% in penalties plus taxes. Insurance agents like to call these policies retirement plans, emphasizing the "forced savings" inherent in forking over the premiums each month "for retirement." Leaving aside the fact that there are many better ways to save for retirement, these policies come with high fees and commissions, which sometimes lop off as much as three percentage points from the annual return. I would say that there is not a tenured whole life policy out there that has more than a 2% fee. The policies we set up have less than 0.7% lifetime annual fees on the policy, quote me on that. On top of that, there are up-front (but hidden) commissions that are typically 100% of your first year's premium. Worse, it's often impossible to tell what the return on the investment will be, and how much of what you pay in goes toward the insurance and how much toward the investment. Both of the previous sentences are blatantly untrue. We can easily calculate what the return on investment will be – but what's important is to calculate a comparison the asset vs. mutual funds over 30-50 years. Life insurance wins and I'll show you why. Side note: Many of the issues raised so far have become conventional wisdom be way of multiplication. Logically they don't make sense. Premiums for term insurance are downright cheap for people in good health up to about age 50. After that age, premiums start to get progressively more expensive. The same holds true for whole life policies, though people who need coverage starting in their 60s and beyond may have no alternative but to buy whole life. Most companies simply won't sell term policies to people over about age 65. I really don't know where this writer is getting this information. Virtually every company sells term policies up to 70 or 75. The question is if the person can qualify. Think about it this way – the insurance company says "We're going to put this 65 year old through a stringent health underwriting test. If they pass we'll give them the 10 year term insurance. Oh yeah, if they pass the test that means they're probably going to live to age 95! So this person is going to pay out the preverbal wazoo for 10 years. Then, unless they get hit by a truck, we get to keep the money forever." A few years ago I got a call from a 62 year old college professor. He was a big Dave Ramsey fan and had always bought term insurance. Now he was 62 and his 20 year term that his bought at 43 was expiring. But he still needed insurance because he didn't have near enough in his retirement account to stop working and his wife had stayed at home since for over 30 years. So I gave him a term quote - $15,000/yr for $1,000,000 of 10 year term. He qualified. That's $150,000 over 10 years and when he doesn't die it's $150,000 that he doesn't have. This professors response – "I wish I would have known how this worked 20 years ago." Needless to say, he is no longer a Dave Ramsey fan. Term insurance certainly has a place in financial planning. But the most efficient use for term is only while you're young and have a large insurable need without much cash flow, like in residency. To get a real sense of the value of term, let's compare a term policy and a universal life policy. I do not like universal life. Ask me later. Say a 40-year-old nonsmoking male has a choice between a $250,000 Met Life universal policy with a $3,000 annual premium and a same amount of renewable term coverage with a 20-year fixed premium of $350. Met Life is publicly traded. We do not use public companies. At the end of one year, the universal policy, assuming it paid 5.7% per year, tax-deferred, would have a cash value of exactly zero (cash value is the amount you would get back if you canceled the policy). But say he had instead invested $2,650 (the difference between $3,000 and $350) in a no-load mutual fund that averaged a total return of 10% annually. 10% annually? This is very high. When you read my book, focus on chapter 3. The market has never returned 10% annually, except for the short-lived period from 1980-1999. If you take out that time period the annual return of the market is 3-4% after taxes! (Again, quote me.) The 401(k) was instituted by congress in 1980. Previous to 1980 there were no arbitrary stock market vehicles where Americans could blindly throw money. Before 1980 most Americans kept their money in cash, CD's, cash-value life insurance, gold and they may have had a few stocks here and there. Then in 1980 things changed. So from 1980-1999 the stock market became wildly overvalued because you had virtually every working man and woman's life saving being thrown into it via the 401(k) platform. Now, in 2012, analysts say that we're in a new normal. No more 10-12% annual returns. They predict 5-6% annual returns, before taxes or fees. But it's really not a new normal; it's an old normal. A pre-1980 normal. From a financial planning perspective we have a major problem – Dave Ramsey, Suze Orman, physicians and professionals over 40 and many of our parents were in their prime in the 80's and 90's. So what do they remember – extreme periods of market growth like we've never seen before. Many of these people, including some of my family members, have not studied the history of how markets have actually performed. And many times they're the ones giving us advice. At the end of the first year, he'd have $2,841, accounting for taxes on the earnings at a 28% rate. At the end of 10 years, he would have accumulated more than $46,000 in after-tax savings in the mutual fund. Over the same period, the cash value of the policy would have climbed only to $31,819. The writer is using universal life, which is a terrible example. But even so, any life insurance policy is a long-term tool. This is like comparing the tortoise and the hare. When our research group ran 10 different analyses of actual market performances, excluding 1980-1999, against whole life performances (not universal life) the cash value life insurance won every time over a 40-50 year period. That's not to say that whole life insurance is always a bad idea. Wealthy people can use whole life in their estate planning by setting up an insurance trust that will pay their estate taxes from the proceeds of the policy. This is a good point and important for physicians who may likely have an estate tax problem. I cannot find the author of this article on the site. Maybe I'm overlooking it but I'm guessing he or she is getting their information from a conglomeration of other articles. Many estate planning articles strongly advocate whole life. And for the growing number of people in their late 40s or early 50s who are just starting families, whole life is at least worth a look. One of the great problems with whole life is only an expert can tell if a policy you own or are considering will ever become a decent investment. James Hunt, actuary for the Consumer Federation of America, who has analyzed thousands of policies, notes that whole life policies hardly ever yield a reasonable return unless held for 20 years or more. So if you buy one be prepared to pay into it for the very long haul. James is actually a good guy and I've talked to him a few times. He actually owns and puts quite a bit of money into a 'properly structured' whole life policy. You can send him an illustration of the type of policy you're looking at and he can tell you if the agent has your best interest in heart – i.e. if they're reducing their commissions and enhancing the efficiency of your policy. I believe it cost about $50. Note that he said "a reasonable rate of return unless held for 20 years or more." That's a big point. We're planning for long-term goals right? If we agree with that then we can compare it over 20, 30 or 50 years. The math points to properly structured whole life with a mutual company, everytime. The key to a whole life policy is its internal rate of return -- the yield on the policy after all fees and charges are subtracted. A competent analysis can determine at a minimum whether the weight of the fees and charges built into one of these policies will ever allow a worthwhile return. I would assume some of us who advocate this are competent; i.e. Steve Forbes, Walt Disney, Donald Trump, Robert Kiyosaki, Kim Butler, etc. "It's important to put money in an asset like permanent life insurance that goes up regardless of what the market is doing." - Steve Forbes. Such an analysis will also pinpoint the minimum amount of cash value that you can derive from a policy at any given time interval. You've been faithfully paying into that whole life policy a good pal of your brother- in-law sold you 10 years ago. And now you're thinking, "Hey wait a minute, I should be bailing out and getting a cheap term policy." Not so fast. First and foremost, keep in mind the substantial sum you've probably paid in over the years. How much will you get if you "surrender" or cash it in now? The answer to that question can be found in the illustrations you got when you signed on the dotted line. If you can't determine the surrender value you may have to -- heaven forbid -- call your agent and ask. But it's worth taking the trouble before you make a decision. Login to your online account and take a look. Most policies don't start to build decent a cash value until their 12th or 15th year. This is utterly untrue. Again, with a "properly structured" policy you will start to see growth in the SECOND or THIRD year. That is, in the third year, you put in $10,000 and it grows by $11,000 in that year. Proof: Look at actually clients in- force illustrations, what's actually happening. In-force illustrations are not projections, not what might happen – what has already happened and cannot be taken away. So if you cash in after 10 years, you could be out of a lot of money. And you can be sure that if you surrender in the first five years or so, practically every dime you put in will be down the toilet. Not true. The next thing you have to consider is whether you are still insurable at a reasonable rate if you switch to term. That's because you'll have to requalify medically. If you are over 50, smoke or have health problems, you may find it's cheaper to hold onto your old policy. Another option worth considering is a tax-free transfer of the value in your old policy into a better one, perhaps from a low-commission company like Ameritas. That's interesting, my firm uses Ameritas very often. Many of you reading this may have disability or life insurance with Ameritas. They're good but we also use other companies who are just as good. I'm still not sure were this writer got their information. If you're looking for whole life coverage or a term policy that you'll want to keep 20 or 30 years, the financial soundness of the insurer is a critical concern. You want some assurance the company will be around in case you aren't. For insurance companies, the major credit agencies like Standard & Poor's rate claims-paying ability. Agreed. Fortunately, information on the credit worthiness of insurance companies is easy to obtain. Reports are cheap or free over the Internet. You can always contact the insurance company and ask about its ratings, but it's best to get this information independently. In general, go with an insurer rated A or better; the most financially sound insurers are rated AAA, though some rating agencies use slightly different letter grades. The premier Web site in terms of detail and ease of use, (best of all, it's free) is insure.com where you can get ratings online from Standard & Poor's as well comprehensive reports on individual insurers. AM Best has a huge database, but you have to pay for it. While you can access ratings free of charge, a detailed company report will set you back $75. Make sure any report you get is current, say within the last six months. Be extra careful to confirm ratings you'll find on many of the online quote services, which may be stale. Here are a number of other articles from major publications with a different view of whole life insurance: http://wealthmanagement.ml.com/wm/pages/ArticleViewer.aspx?title=new-look- at-life-insurance http://www.nytimes.com/2011/10/15/your-money/life-and-disability-insurance/in- a-volatile-market-some-turn-to-insurance-instead-of- bonds.html?_r=1&pagewanted=all http://www.foxbusiness.com/personal-finance/2012/04/17/using-life-insurance-to- fund-your-retirement/print# http://news.morningstar.com/articlenet/article.aspx?id=565002 http://online.wsj.com/article/SB1000142405274870351020457508600310350940 6.html


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Gallery Folders
Boba Pixel by eo21
Line art
Art Trades
Miku Chibi by eo21
Not Chibi
poop kotone by eo21
OMG BEAR LOL by eo21
fast chibis
Hi, your art is so adorable I love it
^^ how have you been?
lovely work ♥
what a lovely gallery * w *
Ahh wow your art is so cute ;v;
Ur art is so cute do you take Art Trades?
Your art is so... Lovely!
Make more god I'm going to use your icons for now on, I loved them!
Don't you worry I'll credit you ^^

subset: commoncrawl


text:
free shippingon most orders over $49*
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|Create a luxurious statement in your bathroom with the Natural Stone Bath Tubs collection by D'Vontz. Featuring a distinctive design, the collection includes sublime contours, fluid lines and fine attention to detail, it exudes sophistication and elegance. Made from natural stone, it also offers durability and will last a long time.


text:
My name is Gabito : the life of Gabriel García Márquez
Featured Queue:
Don't Queue
Publication Type:Book
Source:Luna Rising, Flagstaff, Ariz. (2007)
Call Number:Cubb Curr PQ8180.17 .A73 Z613 2007B
Keywords:1928- --Juvenile literature, American Library Association Notable Children's Bk 2008, Authors, Authors, Colombian--20th century--Biography, Autores colombianos--Siglo XX--Biograf, Children's stories, Colombian--20th century--Biography--Juvenile literature, Gabriel, Garc, Pura Belpre Honor 2008, Spanish, Spanish language materials--Bilingual, Spanish language--Children's books
Summary: As a boy, Gabito had the ability to imagine many things. He lived in a small house with a large family. He would grow up to become a writer known as Gabriel Garc
Publication Language:
English, Spanish
Lexile measure 910; book level 5.1; biography


text:
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7602 Knollview Dr., Columbus, GA 31904
- $165,000
- 147 Days on site
- Est: $611/month
Estimate Your Monthly Payment
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- Beds: 3
- Baths: 2.00
- Single Family Home
- 2,127 sq ft
CLOSE TO ALL THE NEW SHOPPING AREAS. NICE BIG ROOMS, 2127 HEATED & COOLED SQFT, OPEN FLOOR PLAN WITH KITCHEN, BREAKFAST AREA(BUILT-IN DESK & BOOKCASES) & DEN. DEN HAS MASONRY BRICK FIREPLACE & CATHEDRAL CEILING. SEPARATE LR & DINING ROOM. DOUBLE CARPORT ON CORNER LOT BRICK HOME WITH VINYL TRIM FOR VERY LOW MAINTENANCE AND NEW VINYL THERMO WINDOWS. Click here to learn more about this listing.
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- 147 Days on site
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Nearby Elementary Schools
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- 1213 Double Churches Rd
- Westminster Christian School
- 2303 Double Churches Rd
- Wynnbrook Christian School
- 500 River Knoll Way
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- 7611 Whitesville Rd
- Brookstone School
- 440 Bradley Park Dr
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- 7556 Old Moon Rd
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- Northside High School
- 2002 American Way
These are the closest schools to your requested location. Proximity does not guarantee enrollment eligibility. Please consult your real estate agent or school district to confirm the schools you are zoned to attend.
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This group is created so that all 30BaD members living in Central Florida can connect and even more directly assist and support each other. Meetups will be posted here.
Location: Mount Dora/Central Florida
Members: 78
Latest Activity: Oct 15
Started by Nicole W.. Last reply by PlantBased Braddock Aug 12. 3 Replies 0 Likes
Hey everyone,I'm new to this lifestyle, and was wondering if any one knew of any places in Lake county that I can get organic produce in bulk from? Continue
Started by Dareios Rohan Katsanikakis Feb 28. 0 Replies 0 Likes
Hi hcrv friends,Is there anyone that lives in gainesville that could host me this coming sunday night? I'm arriving at 11 pm and the animal sanctuary I'm going to be staying at is going to be closed…Continue
Started by Melissa, MidwifeMelissaMarks.com. Last reply by Melissa, MidwifeMelissaMarks.com Mar 20, 2013. 1 Reply 0 Likes
Come join in the high carb raw vegan fruity fun! Bring enough of your favorite fruit to share, and make sure it is ripe and ready to eat! You may also bring a low fat raw vegan veggie dish, but…Continue
Hey Tenanda! Thanks for stepping up and making a suggestion.
In my experience what has worked well is simply just having a fruitluck where we just gather at a wholefoods or someones home or outside in a park with picnic tables or even just on large blankets and bring our own meals (I find that we're usually just eating fruit out of hand such as bananas or mangoes), of course if people want to bring a lot and share or trade that would be between the respective parties.
Tenanda, would you be open to a gathering something more like that? Does anyone else have other suggestions, or maybe even something more specific than what I've offered here, such as a location for this type of event? I know of plenty in Gainesville (an example: http://www.kanapaha.org/index.htm) but that would require that I convince everyone to come up to me. :D
Welcome, Jim from Tampa!
Great idea with this group! I hope you welcome those north of the forest. Gainesville!
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text:
Before we can just "resolve quickly", I'm worried about the possibility of existing implementations of (e.g.) Content-Length: XXX T-E: gzip <gzipped stuff, XXX bytes long> which means that C-L is, defacto, the length of the message-body. Absent info on such an implementation(s), we can invent lots of internally consistent schemes, but they wouldn't conform to existing (presumably) RFC 2068 compliant implementations. Anybody know of such implementations? Paul > ---------- > From: Larry Masinter[SMTP:email@example.com] > Sent: Wednesday, December 17, 1997 10:43 AM > To: Josh Cohen > Cc: 'firstname.lastname@example.com'; firstname.lastname@example.com; > email@example.com > Subject: Re: What is Content-Length? > > We need to resolve the issue of content-length and cascaded > transfer encodings quickly. We need two interoperable > implementations of this 'feature', even if it is implicit in > the spec, or else we should restrict the allowed set. > > I don't think we should explore too many degrees of freedom. > > * chunked is only allowed once, as the last transfer encoding > applied. > * before chunked is applied, only one T-E should be sent, > but recipients should accept all combinations (as long as > there are no duplicates). > * no T-E's other than 'chunked' may be applied to multipart/ > content-types, but T-Es are allowed within a multipart type > (e.g., multipart/byte-ranges, multipart/form-data). > > The entire transmission is required to be either with content-length > or else self-delimited where multipart is the only self-delimited > media type, but chunked, gzip are self-delimited T-Es. > > > -- > http://www.parc.xerox.com/masinter >Received on Wednesday, 17 December 1997 13:04:06 EST
This archive was generated by hypermail pre-2.1.9 : Wednesday, 24 September 2003 06:33:05 EDT


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MOBILE, Ala. (WALA) – There's an adorable – and unusual – new arrival at the ARF animal shelter waiting to be adopted.
It's Ottie, and he's a pot bellied pig. ARF officials said they just picked him up this week.
He's now under their care at their facility, and they're hoping to find the pet pig a new home.
"Potbelly pigs are great pets they're affectionate, they're curious. Quiet, typically odor free, very intelligent animals hopefully we can find him a home but for now he's doing great here," said ARF Public Relations Director Lindsey Carter.
If you're interested in adopting this little fellow, just contact ARF at 251-443-1198.


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Is this emotional AND sexual?
Find a Conversation
|Mon, 07-19-2010 - 4:36pm
I'm not sure if this is a good place to post this, please let me know if it isn't... But here's the breakdown of my husband's affair, after reading all the emails between him and his mistress:
December '08 - They start emailing and coming on to each other, right after she left his office to be a SAHM to her 2 month old son (ours was one month old at the time). The conversation turns sexual, he even spends his birthday with her online for 8 hours straight. He also leaves the house to call her and tells me it's about work (I remember this because it was on our oldest son's birthday and I later read the email)
March '09 - They've been in contact all this time without meeting for sex, because one of them always backs out. She says she wants to see the chemistry between them, schedules a happy hour with people from work - he stands her up, then writes back apologizing and begging to meet. They have some kind of fight over the phone, according to one email, then he stops writing her altogether.
July '09 - She's invited to a birthday party via email, he's part of the email, and she "replies to all" to say she can't make it. He writes to her asking how she's been, she replies coldly. That's the end.
September '09 - She invites his office to her son's birthday party. He declines but writes back all chatty and trying to bait her. She replies politely and he immediately (within 1 minute) writes back and tells her "don't be a stranger" and he would "love to see her". They decide to talk on the phone, then she emails him, COPIES HER HUSBAND, and asks my husband to call her because hers will be listening in (she got caught). My husband calls and saves her (I know this because she emails thanking him).
December '09 - She visits the office near Christmas. According to emails, he invited her into his office, wanted her to touch him, she said no, and she might go back to work there. More phone calls (I don't know what they said). Emails about children, how he has been, his life, her as a mom, etc. He tells her she's doing "the right thing" by staying home and shouldn't go back to work.
January '10 - After deciding that they wouldn't resume their affair until she got back to work in his office, she changes her mind and writes him asking him to meet her right away. He leads her on for a week, never setting a date, and finally stops responding.
April '10 - He emails her saying that he misses her and can she please meet him. She says yes, but not until 3 weeks later. Then, she goes to his office and they have sex for the first time. She emails him the next day to set a date, again he leads her on for a week, without setting a date. A lot of emails about our lives and the kids.
May '10 - She emails breaking up with him, saying that it's because she felt "guilty" and couldn't do it anymore - tells him to never contact her again. He doesn't.
July '10 - She visits the office for a friend's birthday. He knows she'll be there and later admits to rushing everyone out of the office all day to make sure he could see her, and hangs up on me when she's about to leave without talking to him. He invites her into his office and apparently they had sex. He tells her he'd be off the following week but would shoot her an email once he got back. His emails are a lot more emotional and they spend a huge amount of time discussing the kids, our routines, him complimenting her on everything, and her child. He seems very interested in her life.
So what do you make of this? Doesn't she seem to be the one who has feelings, instead of him? Please be honest, I welcome all views. Thank you so much. This feelings vs. sex question really matters to me right now, I know it won't in a while but I would like to consider different perspectives before I confront him.
|Wed, 07-21-2010 - 10:21am
I think you have enough of what is going on. Feelings or not. His feelings are to be for you in a marriage. What you need to do is decide is either to let it go on, stop it or get another life of your own.
|Wed, 07-21-2010 - 12:40am
|Tue, 07-20-2010 - 9:43pm
please know that my words are NOT intended to add to your pain or bring you any pain. but here goes:
does it REALLY matter if there are feelings? i mean really, isn't the fact that he is sharing with someone else a part of himself he promised only to you hurtful, very very hurtful? of course it is..........
my husband had no real feelings for the other woman, and so when i confronted him i wanted to know "you are telling me you were willing to, you thought so little of our marriage, that you would risk it on someone you had NO REAL feelings for? - a quick piece of a** was worth destroying our family - that is what you are telling me?"
i would recommend reading as many posts on your subject and others as you can. there are many many smart, caring, intelligent, women here. they all offer a different perspective, and viewing each and every thought does wonders.
most importantly please know and believe this - you deserve to be loved, you deserve to be cared for, you deserve to be protective. you deserve to NOT have to live a life of worry, worrying about who he is with or what they are doing.
|Mon, 07-19-2010 - 8:58pm
It sounds both sexual (sex in the office twice) and emotional (the phone calls, emails, personal talk, flirting). He has been investing in another relationship. He was stealing time from you and your family to give to her. You are dealing with elements of both.
But to me it does not sound as either of them want to leave their current relationship they just want extra cake on the side.
Usually what happens is when a betrayed spouse starts shining the light on the behavior the cockroaches scurry for cover.
Do you know her personally? Have you met her? I had met my husband's other woman and after 6 months of my husband trying to go no contact and just ignore her she was still sending him emails and leaving voice mail at his new place of work. (Yes that was a condition of him being married to me that he had to leave the office that she worked at and find a new position. He did.) He just dropped her with no explaination but she could not let go. She got his number and email from a friend.


text: Feel free to add your own ... this is in response to the soldiers pissing on the people they killed. 1: You can use Willy Pete even though it burns innocent children, women and men. 2: You can drop bombs on the wrong buildings as long as you say your sorry and pay the families of the innocent dead. 3: You can drop the inhumane cluster bombs that kill and maim innocent women, children and men. 4: You can invade a country based on false information. 5: You can assassinate foreigners as long as it's not government people pulling the trigger. 6: You cannot take a leak on a dead body ... nope ... you cannot do this. That's it for now ... does anyone have any more? Now imagine if killing those innocent Iraqi people had created such an outrage ... imagine that for a moment. Many American service people would still be with their families instead of lying in the ground ... dead.


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Nov. 9 (Bloomberg) -- OPEC's crude production rose in October as higher Libyan output offset cuts in Saudi Arabia, Nigeria and Venezuela, the group's secretariat said.
The 11 members of the Organization of Petroleum Exporting Countries bound by quotas produced 27.27 million barrels a day in October, Vienna-based OPEC said today in its monthly oil market report. Production climbed from 27.18 million barrels in September, OPEC said, citing secondary sources for the data.
OPEC Secretary-General Abdalla el-Badri said yesterday that the global oil market is "balanced" as reductions were being made to accommodate increasing supplies from Libya. Saudi Arabia cut output by 0.7 percent to 9.47 million barrels a day last month, while Venezuelan trimmed supply by 1.5 percent to 2.38 million barrels, according to the report.
Nigeria reduced supply by 3.4 percent to 2.01 million barrels, OPEC said. Royal Dutch Shell Plc declared force majeure on exports of the African nation's Forcados crude on Oct. 10 after an explosion on a pipeline.
OPEC, provider of about 40 percent of the world's crude, announced its biggest-ever supply cuts in late 2008 amid a collapse in global demand. The decision capped production at 24.845 million barrels a day for all members except Iraq.
The group's compliance with those cuts fell to 42 percent in October from a revised 44 percent the previous month, according to Bloomberg calculations. Compliance is based on combined output from the 11 members that committed to reduce from a base rate in September 2008 of 29.045 million barrels.
Libya produced 350,000 barrels a day in October, up from 86,000 barrels the previous month. The North African country was producing 1.6 million barrels a day before the start of this year's rebellion that ousted Muammar Qaddafi.
OPEC's production including Iraq was little changed on the month at 29.89 million barrels a day, the data show. Iraq is exempt from the quota system. The group's members are Algeria, Angola, Ecuador, Iran, Iraq, Kuwait, Libya, Nigeria, Qatar, Saudi Arabia, the United Arab Emirates and Venezuela.
--Editors: Raj Rajendran, Randall Hackley
To contact the reporter on this story: Rachel Graham in London at firstname.lastname@example.com
To contact the editor responsible for this story: Stephen Voss at email@example.com


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The following bibliography has been generated by bringing together all references provided by our content partners. There may be duplication.
- Andriyashev, A.P. and N.V. Chernova0 Annotated list of fishlike vertebrates and fish of the arctic seas and adjacent waters. J. Ichthyol. 35(1):81-123. (Ref. 43202)
- Barnhart, R.A. 1988. Species profiles: life histories and environmental requirements of coastal fishes and invertebrates (Pacific Southwest) -- Pacific herring. U.S. Fish Wildl. Serv. Biol. Rep. 82(11.79). U.S. Army Corps of Engineers, TR EL-82-4. 14 pp. Retrieved January 9, 2012 from www.nwrc.usgs.gov/wdb/pub/species_profiles/82_11-079.pdf
- Berg, L.S. 1962 Freshwater fishes of the U.S.S.R. and adjacent countries. volume 1, 4th edition. Israel Program for Scientific Translations Ltd, Jerusalem. (Russian version published 1948). (Ref. 593)
- Berg, L.S.0 Freshwater fishes of the U.S.S.R. and adjacent countries. volume 1, 4th edition. Israel Program for Scientific Translations Ltd, Jerusalem. (Russian version published 1948). (Ref. 593)
- Dolgov, A.V.0 New data on composition and distribution of the Barents Sea ichthyofauna. ICES CM2000/Mini:12, 12p. (Ref. 36372)
- Eschmeyer, W.N. (ed.)0 Catalog of fishes. Special Publication, California Academy of Sciences, San Francisco. 3 vols. 2905 p. (Ref. 26282)
- Eschmeyer, William N., ed. 1998. Catalog of Fishes. Special Publication of the Center for Biodiversity Research and Information, no. 1, vol 1-3. 2905
- Froese R. & Pauly D. (eds) (2013). FishBase (version Feb 2013). In: Species 2000 & ITIS Catalogue of Life, 11th March 2013 (Roskov Y., Kunze T., Paglinawan L., Orrell T., Nicolson D., Culham A., Bailly N., Kirk P., Bourgoin T., Baillargeon G., Hernandez F., De Wever A., eds). Digital resource at www.catalogueoflife.org/col/. Species 2000: Reading, UK.
- IUCN 2006 2006 IUCN red list of threatened species. www.iucnredlist.org. Downloaded July 2006.
- Lajus, D.L.0 White sea herring (Clupea pallasi marisalbi) population structure: interpopulation variation iin frequency of chromosomal rearrangement. Cybium 20(3):279-294. (Ref. 27421)
- Nelson, Joseph S., Edwin J. Crossman, H. Espinosa-Pérez, L. T. Findley, C. R. Gilbert, et al., eds. 2004. Common and scientific names of fishes from the United States, Canada, and Mexico, Sixth Edition. American Fisheries Society Special Publication, no. 29. ix + 386
- Patnaik et al. (1994) Ageing in fishes. Gerontology, 40:113-132.
- Philip Altman and Dorothy Dittmer (1962) Growth including reproduction and morphological development. Federation of American Societies for Experimental Biology: Washington.
- Reshetnikov, Y.S., N.G. Bogutskaya, E.D. Vasil'eva, E.A. Dorofeeva, A.M. Naseka, O.A. Popova, K.A. Savvaitova, V.G. Sideleva and L.I. Sokolov0 An annotated check-list of the freshwater fishes of Russia. J. Ichthyol. 37(9):687-736. (Ref. 26334)
- Robins, Richard C., Reeve M. Bailey, Carl E. Bond, James R. Brooker, Ernest A. Lachner, et al. 1991. Common and Scientific Names of Fishes from the United States and Canada, Fifth Edition. American Fisheries Society Special Publication, no. 20. 183
- Seitz AC, Norcross BL, Payne JC, Kagley AN, Meloy B, et al. (2010) Feasibility of Surgically Implanting Acoustic Tags into Pacific Herring. Transactions of the American Fisheries Society 139: 1288-1291.
- Svetovidov, A.N.0 Clupeidae. p. 99-109. In J.C. Hureau and Th. Monod (eds.) Check-list of the fishes of the north-eastern Atlantic and of the Mediterranean (CLOFNAM). UNESCO, Paris. Vol. 1. (Ref. 12801)
- Unconfirmed type:
- Whitehead, P.J.P. 1985. FAO Species Catalogue. Vol. 7. Clupeoid fishes of the world (suborder Clupeioidei). An annotated and illustrated catalogue of the herrings, sardines, pilchards, sprats, shads, anchovies and wolf-herrings. FAO Fish. Synop. 125(7/1):1-303. Rome: FAO.
- Whitehead, Peter J. P. 1985. Clupeoid Fishes of the World (Suborder Clupeoidei): An Annotated and Illustrated Catalogue of the Herrings, Sardines, Pilchards, Sprats, Shads, Anchovies and Wolf-herrings: Part 1 - Chirocentridae, Clupeidae and Pristigasteridae. FAO Fisheries Synopsis, no. 125, vol. 7, pt. 1. x + 303
- Wikipedia, The Free Encyclopedia. 14 June 2011. "Pacific Herring". Retrieved January 12, 2012 from http://en.wikipedia.org/w/index.php?title=Pacific_herring&oldid=434278641">http://en.wikipedia.org/w/index.php?title=Pacific_herring&oldid=434278641">http://en.wikipedia.org/w/index.php?title=Pacific_herring&oldid=434278641
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Summary: To succeed in school, motivation and intelligence are not enough - you need to know how to manage time effectively and use it efficiently. The techniques described here will help you maximize your time in every aspect of study - from listening in class to taking exams. Based on study skills taught at Harvard and Emory Universities, the Study Power system has dramatically improved the achievement of a wide range of students - from elementary school to graduate and med ...show moreical schools, at all levels of intelligence and achievement. After following these suggestions for just a few weeks, you'll be amazed at how effectively you're managing your study time, how much your grade have improved, how much time you have left for out-of-school activities, and how much easier - and more enjoyable - your schoolwork has become. ...show lessEdition/Copyright: 98
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Aaron Nagler Joins Scott And Jeremy To Talk NFL
Another talented played, Brandon Flowers, was cut from the Chiefs. It is highly doubtful that he will unemployed for long. Apparently two teams, the Ravens and the Vikings are both interested in him. He will be back, somewhere just not with the Chiefs.
An Icy End: 49ers Beat Packers With Last-Second Field Goal
The Green Bay Packers and San Francisco 49ers fought battle down to the wire on Sunday, but the Niners were able to eke out the win. Here's how the Packers fared in their final game of the season.
Jeremy Conn: NFL Playoff Picks ATS…
Last week I went 4-2 and Hit my Lock of the week. So far on the season I'm 64-40-3 and 12-6 in my Locks of the week. I've been hot the past few weeks, lets […]
Bob Haynie: NFL Playoff Predictions
After struggling down the stretch, I pulled myself together and finished my college and pro football football picks regular season with a bang.
Packers Face Injury Questions On Defense
The Green Bay Packers have had trouble stopping the 49ers in their last two meetings. Now they have to try and beat them in the playoffs while facing injury issues on defense.
Packers Hope To Avoid Deja Vu Against Niners
The Green Bay Packers pulled off a huge win to make the playoffs, but now they have to face off with the San Francisco 49ers. They will have to work to prevent a repeat of what happened when these two met last season.
Jeremy Conn: Thanksgiving Day ATS Picks…
Last week I went 5-1 and Hit my Lock of the week. So far on the season I'm 42-27-3 and 8-5 in my Locks of the week. I will still give out my picks […]
Packers Squeeze Past Ravens 19-17 In 1st Home Loss Of Season
The Green Bay Packers defeated the Baltimore Ravens 19-17 in the Ravens first home loss of the season.
Packers And Ravens Shuffle The Deck On Offense
The Green Bay Packers are running more this season. The Baltimore Ravens have become enamored of the pass.
Westwood One Color Commentator Mark Malone Breaks Down Ravens Vs. Packers
Mark Malone joined Ed & Steve to talk about the Ravens vs Packers game which he is calling on Sunday.
Fantasy Football: Top 12 Defenses To Draft
Good rule of thumb: Wait on defenses. Here's our top 12 fantasy football defenses to draft.
Top 10 Most Anticipated NFL Matchups
There are plenty of matchups to get excited about for the 2013 season, such as the Ravens' season-opening trip to Denver. Here are 10 other games that should be as exciting on the field as they are intriguing on paper.


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Most Popular
.- The Vatican has ordered a Belgian bishop accused of child abuse to leave the country for "spiritual and psychological treatment."
Bishop Roger Vangheluwe of Bruge, 74, resigned last year after admitting to repeatedly abusing his nephew over a period of 13 years. The abuse started when the boy was just five years old.
Now the Vatican agency that deals with abuse cases, the Congregation for the Doctrine of the Faith, has told Bishop Vangheluwe to leave Belgium altogether.
Last week, prosecuting authorities in Belgium announced that the bishop cannot be indicted because his alleged crimes occurred too long ago.
When he resigned Bishop Vangheluwe told a press conference in Brussels, "When I was not yet a bishop, and some time later, I abused a boy." He added: "This has marked the victim forever. The wound does not heal. Neither in me nor the victim."
The bishop also said that he was "enormously sorry." He had been bishop of Bruges since 1984.
Pope Benedict named Bishop Jozef De Kesel as the new bishop of Bruges on June 25, 2010.
* The number of messages that can be online is limited. CNA reserves the right to edit messages for content and tone. Comments and opinions expressed by users do not necessarily reflect the opinions or beliefs of CNA. CNA will not publish comments with abusive language, insults or links to other pages


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Homeland Review: Smartly Selfishby Dan Forcella at . Comments
It wasn't that much more evident than in the first three episodes of Homeland, but Carrie Matheson was certainly out for her own self interest this week, which was why the clever title of "Semper I" made so much sense.
Our favorite CIA analyst was finally starting to gain some steam on Abu Nazir and the case of the stolen necklace, picking up what seemed like trust and confidence from her team in Washington, but she just couldn't help herself.
The warrant on her surveillance ran out so she was relegated to the old stake-out technique, which is what forced her into the precarious situation of following Brody into the Veterans' support meeting.
Is she completely self-serving? Maybe. Does she act this way in an effort to hurt those around her? Absolutely not. She thinks what she is doing is the best for both herself and the country. Is there a mix of psychosis in there as well? Most likely yes, which makes it all the more interesting as we watch it unfold.
I really had no idea what her plan was when she walked into that church basement, and frankly, I'm not sure she did either. What resulted, though, was maybe the most interesting interaction of the season thus far.
Was Carrie putting on a complete front? Was Brody? Were they both? Was there some sort of strange, creepy chemistry between them? Or was that just part of the act?
Will this lead into more meetings between the two main characters? I sure hope so. Claire Danes and Damian Lewis are doing such a remarkable job on this series that we would be so lucky to get more scenes with them both. Not to mention all of the twists and turns the plot could take with Carrie and Brody interacting so often.
Before the two of them meet up again, I'm sure Carrie will spend most of her time looking for the man with the money, who she already put a red line through, as viewers know. Honestly, how good is that professor at picking up tails?* I also loved they had a code for "put the American flag on the house immediately!" It wasn't "hide," "run," or "kill yourself so they don't torture you into telling them information." It was "put the American flag on the house immediately."
*Upon second viewing I realized that it was someone else who picked up on the tail, who then notified the woman in the house. Her signal of the flag was to the professor, who realized he shouldn't pull into the driveway...My bad.
The fact that the CIA has come to a dead end with the professor should give us ample time to get to know him better, while learning what Abu Nazir's plan is. I'm really looking forward to that viewpoint.
If I have one issue at this early point in the series, it is my lack of interest in Jessica and her Mike problem. Whenever the two of them get together for chats, I almost tune out. Then again, that situation lead to Brody's reaction, which was awesome. RIP, deer.
Lewis brings such a quiet strength to this role, as was exemplified in his scene with Mike in the car. I didn't know whether or not Brody was aware his wife was cheating with Mike, but the tone in his voice had me trembling in fear.
Do you know who is not trembling in fear? Carrie Matheson. The woman is a stone-cold stunner, and nobody is going to stop her from figuring this whole thing out. She made a lot of strides in "Semper I" and I can't wait to find out what happens next on Homeland. What about you?
Dan Forcella is a TV Fanatic Staff Writer. Follow him on Twitter.Tags: Homeland, Reviews
@PrincessD, Seems like the logical deduction; as well as Brody's speech in episode 3 to the press about what his 'torturers' told him about thoughts about his wife having affair at the earliest convenience. It was a good exposition that he might have those same thoughts for 8 yrs imprisoned.
@Uncle Jackass I think the first time they had that barbeque in the pilot, he saw Jessica and mike talking near the kitchen sink, through the window. he definitely must have suspected something there
Absolutely agree with your review. There was fantastic chemistry between Carrie and Brody at the end of the episode. It's great when you can get two fine actors to create chemistry from only 1 previous meeting. I also couldn't quite tell if the characters had genuine attraction or suspicion of each other. Carrie was clearly 'taking a peek,' during her Big Brother stint whereas I think Brody is naturally quick thinking. But I am a bit confused. When did Brody figure out that Jessica and Mike were having an affair?
I also noticed a creepy chemistry between the two of them. next weeks promo shows more scenes of them together. can't wait!
Jessica and Mike scenes are good, im interested in how they will tell Brody.


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£15.74 per 100g
Beautycard Points: 2 points
Product Information
New Baby Lips lip balm from Maybelline New York gives intense care and 8 hour hydration, and is nourishing for baby soft lips.
Its clinically tested formula has SPF 20 to leave lips feeling soft, conditioned and cared for.
Product Specification
Size (19) Unit (G) Height (1) Width (1) Depth (1)
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Avnet Electronics Marketing Americas And Power-One Celebrate 25th Anniversary
In 1988, the Hubble Space Telescope went into operation to explore deep space and Guns N' Roses hit it huge with "Sweet Child O' Mine." It was also the year of "Rain Man," "Coming to America" and "Die Hard." Another big hit that year was the distribution agreement between Power-One, Inc., and Avnet Electronics Marketing Americas, a business region of Avnet, Inc. (NYSE: AVT), a partnership that has provided a meaningful advantage to engineers, with leading-edge, energy-efficient power conversion and power management solutions all over the globe.
Click to Tweet: #Avnet celebrates 25-year partnership with @power_one http://bit.ly/xY8juO
Since its inception 40 years ago, Power-One has made its way among the top power supply manufacturers in the industry. Power-One has revolutionized power conversion through the introduction of digital power; and embraced the Climate Saver Initiative with the introduction of platinum-level efficiency front ends for the datacom market. Fifteen years after its launch, Power-One and Avnet joined forces, building a relationship like none other.
"Avnet has spearheaded the charge in our industry toward the adoption of green, alternative and smart energy technologies through our collaboration with the best of the best – and that's Power-One," said Ed Smith, president, Avnet Electronics Marketing Americas. "Power-One is a leader in their field. Their products, along with Avnet's global footprint and technical expertise, support our customers as they choose the best solutions to fit their own unique design needs and get to market faster – while making great strides toward environment-friendly energy."Steve Hogge, Power Solutions president, said, "With over 40 years of power conversion expertise under our belt, it's critical that we join forces with business partners that can deliver top-notch services and products to our customers. The 25-year relationship with Avnet has allowed for just that. Our collaboration has provided engineers around the globe with advanced design solutions, enabling us to live a more green and efficient lifestyle."
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More than four out of every 10 dollars spent on ground coffee in the US is now spent on single-serve pods such as K-Cups, according to the latest Nielsen data.
In a note analyzing Nielsen data on the coffee market in the four weeks to April 12, Wells Fargo senior analyst Bonnie Herzog and associate analysts Jessica Gerberi and Adam Scott, said: "In the most recent period, total pods represented 41.2% versus 32.5% a year ago of the total ground coffee category on a dollar basis according to Nielsen."
While overall growth in the pod category is decelerating, category dollar sales were still up a jaw-dropping 29.5% in the latest four-week period (vs the same period last year), while unit growth was up 38.2%.
Looking at market share, the clear leader in the pods market is Green Mountain Coffee Roasters (GMCR) with 34.8%, followed by Starbucks with 14%, J.M. Smucker with 11.5% and private label pods with 10.2%.


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Pilates & yoga instructor now living in UAE. Teaching & offering wellbeing advice on my blog. Trying to live a balanced life and learning to play golf


text:
Sprint Takeover Drama Is Far From Over
But wait. There's More behind Door Number Two
Sprint's proposed takeover of Clearwire may follow a similar cycle of news and decisions with about a week left until a crucial shareholder vote.
Clearwire's largest remaining investors, including Crest Financial and Mount Kellett Management, do not support Sprint's $3.30 a share offer for the company's remaining shares.
Meanwhile, Sprint and Dish Network are engaged in a legal back-and-forth on whether a $4.40 a share competing offer is even valid.Currently, Sprint and Dish are arguing over whether a prospective minority holder can have the influence to reconstitute Clearwire's board given Sprint's majority control and agreements put in place for equity holders when the company was created. Dish's tender offer is "not actionable" because it assumes certain governance changes that are not possible given Clearwire's agreement with its initial equity holders, Sprint said earlier in June. "It defies logic that Sprint could credibly assert that it is illegal for Clearwire to agree to customary minority protection rights in favor of a significant stockholder such as DISH will be (by definition holding in excess of 25% of the Clearwire shares) while claiming that a 6% stockholder such as Comcast is entitled to block minority stockholders from accepting DISH's superior offer," Dish retorted in a press release Wednesday. John Hodulik, a telecom analyst at UBS, has pointed out that although Dish's offer is higher than Sprint's, it depends on a change in Clearwire's governance structure under its equity holder agreement. "It remains unclear whether Clearwire would be able to grant such rights without Sprint's agreement," Hodulik wrote in a late May client note. Clearwire was formed in 2008 through its merger with Sprint's 2.5 GHz spectrum assets and $3.2 billion in investor capital provided by Sprint, Comcast (CMSA) and Intel (INTC), among others. The company's board currently recommends shareholders support Sprint's takeover, however, a special committee has yet to comment on Dish's tender offer. "Our Board and Special Committee are continuing their independent review of DISH Network's offer to determine the best course of action for the Company and all of its stockholders," Susan Johnston, a Clearwire spokesperson said in an e-mailed statement June 3. "The Special Committee has not made any determination to change its recommendation of the current Sprint transaction, and we will have no further comment until they have finished their full review." Proxy advisor ISS supports Sprint's $3.40 a share offer for Clearwire's remaining shares, while Glass Lewis recommends shareholders vote against the deal. Clearwire says Glass Lewis' recommendation suffered from "superficial analysis, contained numerous inaccuracies, and grossly underestimates the economic realities facing the Company."
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- Stocks trading below $10
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All quotes tagged Strong
(4629 quotes found)
"I may be strong-minded, but no one can say I'm out of my sphere now, for woman's special mission is supposed to be drying tears and bearing burdens."
"What I love about my wife is that she's a really strong-minded, stubborn, fiery woman. I find that sexier than anything else."
"Though I look old, yet I am strong and lusty; for in my youth I never did apply hot and rebellious liquors in my blood; and did not, with unbashful forehead, woo the means of weakness and debility; therefore, my age is as a lusty winter, frosty but k"
"Better to be a strong man with a weak point, than to be a weak man without a strong point. A diamond with a flaw is more valuable that a brick without a flaw."


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The museum holds more than 2,000 exhibits honoring those who served in all branches of the U.S. military. Exhibits include sculptures, murals, historic artifacts, art and 1,000s of memorabilia covering WWI, WWII, Korea, Vietnam, Desert Storm and other 20th Century conflicts. The walls of the museum are lined with more than 500,000 names of those killed in action from WWII forward.
The museum is home to one of the world's largest war memorial bronze sculptures: 50 life-size soldiers storming a beach; each statue modeled after an actual combat soldier from each of the 50 states.
Many of the exhibits contain unique artifacts and recount personal stories from our veterans. This is an educational as well as emotional experience.
Tickets available online. Admission: $15; veterans & military, $13; ages 13-17, $10; ages 5-12, $5; younger than 5, free. Group rates are offered.
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With the publication of RFC 2965, the HTTP working group has now completed all of the items in its charter, and has no open Internet Drafts. This message requests that the HTTP working group be closed. Larry (as HTTP WG chair) -- http://larry.masinter.netReceived on Tuesday, 10 October 2000 20:48:35 EDT
This archive was generated by hypermail pre-2.1.9 : Wednesday, 24 September 2003 06:33:40 EDT


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The AD574A is a complete 12-bit successive-approximation analog-to-digital converter with 3-state output buffer circuitry for direct interface to an 8- or 16-bit microprocessor bus. A high precision voltage reference and clock are included on-chip, and the circuit guarantees full-rated performance without external circuitry or clock signals.
The AD574A design is implemented using Analog Devices' Bipolar/I2L process, and integrates all analog and digital functions on one chip. Offset, linearity and scaling errors are minimized by active laser-trimming of thin-film resistors at the wafer stage. The voltage reference uses an implanted buried Zener for low noise and low drift. On the digital side, I2L logic is used for the successive-approximation register, control circuitry and 3-state output buffers.*Protected by U.S. Patent Nos. 3,803,590; 4,213,806; 4,511,413; RE 28,633.
For an overview of other products within this family, view the Selection Guide for Multi-channel Bipolar Family AD57X2 & AD57X4.
|Content Type
|File Type
AD574S: Standard Military Drawing (Rev J, 04/2003) (pdf)
|Data Sheets
ADI Warns Against Misuse of COTS Integrated Circuits
(pdf, 13 kB)
(Revised 1/03)
Invites Customer Participation in Creative Mil/Aero System Solutions
|Recommended Reading
|MS-2210: Designing Power Supplies for High Speed ADC (pdf, 327 kB)
|Technical Articles
(pdf, 14 kB)
Product Change notice for change of Analog Devices, Inc. Aerospace Product Line standard product from 883 Class S to MIL-PRF-38535, level V.
|Aerospace Information
Aerospace Dice
(pdf, 196 kB)
(Revised 1/2006)
Many Analog Devices products can be purchased as Class K die.
|Aerospace Information
Aerospace Products Package Brochure
(pdf, 391 kB)
This brochure gives reference to the various packages offered by the Aerospace Product Line which are in compliance with MIL-STD-1835.
|Aerospace Information
Standard Space Level Products Program
(pdf, 39 kB)
This brochure describes the standard flow and how to order Analog Devices, Inc. standard product for Space Level not available as JAN, or QML. It replaces the Standard Class S brochure.
|Aerospace Information
Space Qualified Parts List
(pdf, 93 kB)
This document lists 67 (240+) space level products that are available from Analog Devices. Many of the products listed are state-of-the-art data conversion and signal processing products that were previously only available as commercial or military Class B products. Through our Space Products Group and MIL-PRF-38535 certified Level V (Class S) facility, we are pleased to offer these products to the space marketplace.
|Aerospace Information
|RAQs index
|Rarely Asked Questions
|AD574S: Single Event Effects Generic Report (pdf, 674 kB)
|Generic Radiation Reports
|AD574S Generic Radiation Report (pdf, 146 kB)
|Generic Radiation Reports
|Glossary of EE Terms
Symbols and Footprints— Analog Devices offers Symbols & Footprints which are compatible with a large set of today's CAD systems for broader and easier support.
The USA list pricing shown is for BUDGETARY USE ONLY, shown in United States dollars (FOB USA per unit for the stated volume), and is subject to change. International prices may differ due to local duties, taxes, fees and exchange rates. For volume-specific price or delivery quotes, please contact your local Analog Devices, Inc. sales office or authorized distributor. Pricing displayed for Evaluation Boards and Kits is based on 1-piece pricing.


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Components of the Package:
Skills for Success with Windows 7 Getting Started
By Kris Townsend
GO! with Concepts Getting Started
By Shelley Gaskin, Victor Giol
Microsoft Office 2010 180-Day Trial, Spring 2013, 5th Edition
By Corporation Microsoft
Skills for Success with Office 2010, Volume 1, 2nd Edition
By Kris Townsend, Robert Ferrett, Catherine Hain, Alicia Vargas, Shelley Gaskin
myitlab -- Access Card -- for Skills Office 2010, Vol 1.
By . J. Pearson
Purchase Info
Format: ValuePack
This title is currently unavailable on myPearsonStore.


text:
Nintendo Wii
Start a match as your partner for Tatsunoko Vs. Capcom: Cross Generation Of HeroesHome / Nintendo Wii /
This page contains Tatsunoko Vs. Capcom: Cross Generation Of Heroes Hints for Nintendo Wii called "Start a match as your partner" and has been posted or updated on Dec 15, 2008 by poobrain. Let us know what you think of this Hint by thumbs voting.
- Developer: Eighting
- Publisher: Capcom
- Genre: Action Fighting 2D
- Release Date: Dec 11, 2008
- ESRB: Not Set
Start a match as your partner
Hold [Partner] during the character introduction cinematic before a match begins. You will start the match as your partner.
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7 Simple Affiliate Marketing Tips for Success
These fundamental tips will help you earn online if you're not already.
Building a Niche Store: The Importance of Niche Keyword Research
Want to get targeted free traffic for your niche store? Read this!
PHPBay ProWhy Should You Use PHPBay For Your Next Niche Store?
Wordpress is easily one of the most easiest and most powerful CMS's you can use today....Keep Track What People Are Buying on Your PHPBay Sites to Increase Revenue
Pay close attention to the buying habits of your visitors with the reports EBay allows...Working PHPBay To Success - Simple Strategies that Make You Money
Here I am going to give you a simple step by step forumla that you can use to easily...Read More Posts About PHPBay Pro
Affiliate MarketingMust-Have Wordpress Plugins Plus Theme Suggestions for Affiliate Bloggers
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These fundamental tips will help you earn online if you're not already, or help you...Read More Posts About Affiliate Marketing
Niche MarketingHow to Find Profitable Niches that Attract Hungry Buyers
Not all niches are created the same. If you have multiple websites already, you've probably noticed how the earnings for each of your sites vary. I personally have one affiliate site that makes as much money in affiliate sales as my Adsense account - and my Adsense account is spread across all 13 of my sites combined. Some niches can be about as good... [Read more of this review]The Top 3 Benefits For Choosing a Niche for Your Store - Market Smart, Not Hard
While internet spending continues to make leaps and bounds, the competition for these dollars also increases. The internet is no longer a barren playing field. Many highly profitable segments of the market like insurance and home mortgages are full of competition - some of them very experienced marketers. However, there is a way you can even the competition... [Read more of this review]Building a Niche Store: The Importance of Niche Keyword Research
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LumenSoft Candela is an excellent Point of Sale (POS) and retail management system (RMS) for small to mid-size retailers and it is suitable for different retail market segments.
CANDELA retail management system is an award winning software (APICTA 2011, P@SHA ICT Award 2011, 2009 & 2008) and is currently working at 150+ chain store organizations and more than 2500+ stores in 83 cities of Pakistan.
| Candela FAQs | Download Candela Releases | Newsletters |


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The ASA offers trainee membership to those medical practitioners who are registered as trainees with the Australian & New Zealand College of Anaesthetists (ANZCA).
What is GASACT?
How to join
2015 Trainee membership rates
Upcoming trainee events
Other ASA events
Applications for the 2015 GASACT CIG scholarships will open in January. The CIG meetings for 2015 are as follows:
Group of Anaesthetists in Training (GAT) of the Association of Anaesthetists of Great Britain & Ireland
17-19 June 2015
Manchester, England
Canadian Anaesthesiologists Society
19-22 June 2015
Ottawa, Ontario
American Society of Anaesthesiologists
24-28 October 2015
San Diego, California
All GASACT members are eligible to apply. Non members are welcome to apply for membership to become eligible to apply for the scholarships. Further details on applications will be available in January 2015.
After joining GASACT you'll have access to a wide number of benefits. We have put together an educational resource page purely for trainees. Whether studying for the part 1, part 2 or a provisional fellow you will find articles, links and podcasts that suit all of your needs.
To access the members only resources you'll need to log in to the members section of this site and visit the Trainee Resources section under the 'Education and events' tab.
For further information please contact firstname.lastname@example.com.
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Narrow your search
The Evoluent Left-Handed Vertical Mouse is worth a try for southpaws suffering from RSI-related pain. We just wish it were designed a little better.
Pricing not available
Southpaws are no longer left out with the full-featured, contoured Logitech MX610 left-hand laser cordless mouse.
The Left-Handers Club suggests that with the iPhone 4's alleged left-handed issues, Apple should hire some left-handed designers.
Apparently, there are people out there who get very upset that all the MacBook's ports are on the left-hand side.
In a CIO Sessions interview, United Parcel Service CIO Dave Barnes tells ZDNet editor in chief Dan Farber that his company will save $600 million per year through package flow technologies that include preloading vehicles in the morning, routing drivers according to volume and favoring right-hand turns.
Logitech celebrates 25 years in the mouse market with a new, erm, mouse. This one's different, though, because it's left-handed
Apple showed off its new Watch with a presentation full of right-handed watch wearers, but lefties aren't being left out in the cold. It will work on the other wrist, with a slight compromise.
For eight years, A's coach Tye Waller has been collecting data on opposing players and methodically building an application that gives the team an advantage on defense and on the bases.
Five Paul McCartney and Wings albums have been released as apps that are packed with extras for less than their iTunes equivalents. Thumbs up!
Priced just under $75, the tricked out Bravo Audio V2 will look sharp on your desktop.


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Apartment : Room for Rent in 14-07 flora damansara apt, Petaling Jaya, Selangor-300
April 6, 2013 |
Q & A Zone : Comments
Please leave your comment or question here and i will get notified of the message in my email. Thanks.
Sorry, this post is expired. This room might be rented out.


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Get News Alerts by Email
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Microsoft says 2012 CES tech show will be its last
December 21, 2011
NEW YORK (AP) - Microsoft is deflating the largest trade show in the Americas, saying next month's International Consumer Electronics Show will be the last show in which it...
Dell abandons Android tablet in US
December 05, 2011
The Streak 7 failed to gain momentum after its debut at the Consumer Electronics Show in January. The tablets were priced at $200 as long as buyers signed contracts with telecom...
AT&T to bring out Nokia phone with Windows
January 09, 2012
At a press event in Las Vegas ahead of the International Consumer Electronics Show, the companies said it will be available'' in coming months.'' They did not reveal the price...
World's first wind- up tablet introduced
January 17, 2012
One Laptop Per Child introduced what it says is the world's first wind-up tablet computer at the Consumer Electronics Show in Las Vegas, NewScientist.com reported Wednesday....
Car tech dazzles at Consumer Electronics Show
January 09, 2011
Automakers are taking a drive into the future at the Consumer Electronics Show. The annual event is traditionally a showplace for mobile phones, computers and television sets...
Toshiba to sell tablet with upcoming Android OS
January 03, 2011
The computer and TV maker plans to unveil the device at the annual International Consumer Electronics Show in Las Vegas this week. Numerous other companies plan to show off...
Firm says new robot can wash bathroom floors
January 05, 2011
The company plans to unveil it along with an updated version of its Roomba vacuum cleaner at the International Consumer Electronics Show in Las Vegas on Thursday. ...
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January 06, 2011
Inc. at the International Consumer Electronics Show in Las Vegas. For the moment, Verizon has the fastest wireless network in the country, and it's hoping to capitalize on it...
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July 10, 2014 | Wochit
The International Consumer Electronics Show (CES) is a major technology-related trade show held each January in the Las Vegas Convention Center, Las Vegas, Nevada. Not open to the public, the Consumer Electronics Association-sponsored show typically hosts previews of products and new product announcements. CES rose to prominence after COMDEX was canceled.
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Upgrade to the Flash 9 viewer for enhanced content, including the ability to browse & search through your favorite titles.
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In 1937, Shanghai is the Paris of Asia, a city of great wealth and glamour, the home of millionaires and beggars, gangsters and gamblers, patriots and revolutionaries, artists and warlords. Thanks to the financial security and material comforts provided by their father's prosperous rickshaw business, twenty-one-year-old Pearl Chin and her younger sister, May, are having the time of their lives. Though both sisters wave off authority and tradition, they couldn't be more different: Pearl is a Dragon sign, strong and stubborn, while May is a true Sheep, adorable and placid. Both are beautiful, modern, and carefree . . . until the day their father tells them that he has gambled away their wealth and that in order to repay his debts he must sell the girls as wives to suitors who have traveled from California to find Chinese brides.
As Japanese bombs fall on their beloved city, Pearl and May set out on the journey of a lifetime, one that will take them through the Chinese countryside, in and out of the clutch of brutal soldiers, and across the Pacific to the shores of America. In Los Angeles they begin a fresh chapter, trying to find love with the strangers they have married, brushing against the seduction of Hollywood, and striving to embrace American life even as they fight against discrimination, brave Communist witch hunts, and find themselves hemmed in by Chinatown's old ways and rules.
At its heart, Shanghai Girls is a story of sisters: Pearl and May are inseparable best friends who share hopes, dreams, and a deep connection, but like sisters everywhere they also harbor petty jealousies and rivalries. They love each other, but each knows exactly where to drive the knife to hurt the other the most. Along the way they face terrible sacrifices, make impossible choices, and confront a devastating, life-changing secret, but through it all the two heroines of this astounding new novel hold fast to who they are–Shanghai girls.
"A buoyant and lustrous paean to the bonds of sisterhood."–Booklist
"See is masterly in her powerful depictions of the prejudice and harsh treatment the sisters encounter as they try to assimilate into the strange new world of Los Angeles. Possibly the best book yet from the author of Peony in Love; highly recommended." -Library Journal


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My Profile
Member since Apr 2011
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Reviewed Shrimp and Grits
Apr 7, 2011 in Food Network Community Toolbox on FoodNetwork.com
"I've lived in Charleston,SC for 12 years now so I can say I've eaten a lot of shrimp-n-grits. This recipe is awesome and so easy too!""


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main index
Adventures in the Galaxy of Fantabulous Wonderment is an Adventure Game made by Ben "Yahtzee" Croshaw (Yes, again).Daniel Gordon, an ordinary salaryman, is not having a good day. First, he gets caught by his boss playing video games in his work time, then he is kidnapped by a galactic organization to serve as a Redshirt, and then events conspire to force him to become the new captain of the crew who bought him and to investigate on disappearances that happen in the entire galaxy.Gameplaywise, the game is quite experimental, combining an Adventure Game with parts from Turn-Based Strategy and Economic Simulation Games, and there is even Wide Open Sandbox elements.Note, it's a sequel to the Rob Blanc trilogy, but it isn't necessary to have played them to enjoy this one.
This game provides examples of:


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Hourly News Update
Tag Archives: Florida Highway Patrol
Steve Maynard Named Waldo's Interim Police Chief
By Komal Junejo and Rochelle Alleyne on September 3rd, 2014 | Last updated: September 3, 2014 at 6:20 pm
The Alachua County Sherriff's Office has named Acting Captain Steve Maynard as Waldo's new interim police chief, after the previous chief was accused of enacting illegal ticket quotas.
Plane Runs Low On Fuel, Sets Down on State Road 16
By James Martin and Angela Skane on March 25th, 2014 | Last updated: March 27, 2014 at 5:57 am
On the last leg of his journey from Minneapolis to Jacksonville, pilot George Momberg made a precautionary landing on State Road 16.
Lake City Officer Kills Armed Tennessee Driver at Safety Checkpoint
By Wade Millward on March 15th, 2014 | Last updated: March 15, 2014 at 7:12 pm
Officer Michael Lee is on administrative leave after the Friday night incident.
More Craig Lowe arrest video released; deputies on scene tell mayor his job is cause for different treatment
By Grier Ferguson and Meg Wagner on April 2nd, 2013 | Last updated: September 28, 2013 at 11:28 pm
The Alachua County Sheriff's Office released dashboard video Tuesday from the night of Gainesville Mayor Craig Lowe's arrest. The video includes conversation between Lowe and deputies.
FHP releases dashboard video of Gainesville mayor's arrest
By Grier Ferguson on March 29th, 2013 | Last updated: September 12, 2013 at 8:10 am
Video released to WUFT News by the Florida Highway Patrol Friday afternoon shows Gainesville Mayor Craig Lowe completing sobriety tests at the site of the crash that led to his driving under the influence charge last week.
Gainesville Mayor Craig Lowe arrested on suspicion of DUI
By Jesse Pagan, Forrest Smith and Wade Millward on March 21st, 2013 | Last updated: March 22, 2013 at 3:47 pm
Gainesville Mayor Craig Lowe was arrested and charged with DUI Thursday morning after a single-car crash.
Florida Senate hearing bill to repeal special permits for international drivers
By Samantha Shavell on March 18th, 2013 | Last updated: March 21, 2013 at 8:42 pm
Florida Senate in the process of hearing legistlation to repeal special permits for international drivers.
Caution advised for possible smoke on SR 121, US 441
By Charmaine Miller on March 11th, 2013 | Last updated: October 26, 2013 at 9:24 pm
Drivers are urged to avoid the area or drive cautiously, with the possibility of smoke impacting visibility on the roads until Tuesday morning at the latest.
Teen driving deaths rise nationally, decline in Florida
By Kristen Morrell on February 26th, 2013 | Last updated: February 26, 2013 at 5:40 pm
While deaths among teen drivers jumped 19 percent nationally from 2011 to 2012, Florida's deaths decreased substantially.


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I don't think I've seen such a strange combination of traditional 2D fighting games and music-rhythm gameplay since the vastly underrated Slap-Happy Rhythm Busters. In The Rhythm of Fighters, you take SNK-Playmore's classic cast of King of Fighters characters (and a few others) and have them beat the crap out of each other. But instead of over-the-top button combinations and super moves, this game tasks you with tapping and sliding in time with the chiptune music, which will correspond with your fighter's moves.
Last Updated: August 11th, 2012
It's a good time to be an Android gamer - three respectable game developers have just slashed the prices of their games to less than $1 (up to 85% off) in a wild summer sale.
First up, Gameloft's 3D MMORPG Order & Chaos has seen its price reduced to $0.99. This is a pretty significant sale considering it usually costs $6.99, and it seems like a viable option for MMORPG fans, as evidenced by its current 4.25-star rating on the Play Store.


text:
- ITV Report
Berwick Rangers Fixtures 2014 -2015
Live updates
CUFC: New faces?
Carlisle United manager Keith Curle says he expects to speak to the board this week about how he feels his squad need shaped for the season.
Curle has lead the team to three successive wins and will shortly decide where the squad needs strengthening and which players are surplus to requirements.
Carlisle out of relegation zone after Stevenage win
Goals from Brad Potts, Stephen Rigg and Mark Beck brought Carlisle United a third league win in a row on Saturday. The Cumbrians have moved up to twentieth in the table, two points clear of the drop zone.
Fowler ready for 'tough' start
New Queen of the South manager James Fowler is expecting a tough first game in charge against Hearts.
But he's confident his team can get a positive result at home on Saturday.
Fowler confirmed as new Queens boss
Queen of the South have named their new manager: James Fowler.
He joined the club as a player-coach in the summer, and was put in temporary control after Jim McIntyre left to join Ross County.
Before taking the reigns at Palmerston he spent most of his career at Kilmarnock, where he made 401 appearances in the former Scottish Premier League - a record.
"I felt when I was given the opportunity that I had to work towards that and I feel that I've done that with the preparations and stuff. So not too much will change."
Queens set to unveil new manager
Queen of the South are due to unveil their new manager later.
The club has called a press conference for two o'clock this afternoon (September 30). Queens have been without a manager since Jim McIntyre left for Ross County three weeks ago.
Carlisle United win at home
Carlisle United have beaten Tranmere Rovers 1-0 at home in front of a 4,000 strong crowd.
It was manager Keith Curle's first game in charge of the Blues who are currently sitting at the bottom of League Two.
David Amoo took advantage of a header to give the fans at Brunton Park something to cheer about.
- ITV Report
Carlisle United's new manager may be at Tuesday's game
While speculation over the identity of the blues new manager continues, Tony Caig hints that the they could be close to an appointment.Read the full story ›
- ITV Report
Late sending off and a last minute header cost United
As the hunt for a new manager continues a Carlisle United side packed with youngsters played with freedom and dash against Wimbledon.Read the full story ›
Carlisle United face tough Derby side
Carlisle United's manager says it'll be hard for his team to beat division 1 side Derby in their Capital One Cup game this evening.
But Graham Kavanagh says his side won't just sit back and defend when the visitors come to Brunton Park.
The match is live on Sky Sports. The kick off is at 7.45.
Ibis JFC beaten in USA Cup final
The Kendal teenagers capped of a fantastic week at the USA Cup by making it all the way to their age bracket final yesterday. Although they were eventually beaten 7-2 by the Icelandic side FYLKIR the boys did the region proud, their highlight being a tense 2-0 victory of Mexico's Colegio Vista in the semi final.


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Health Information - Med Help
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Took my last 5 tramadol at 5am Friday morning and since 5pm Friday afternoon the body aches...
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My son just told me he has an addiction to Loracets and wants to quit. We have no insurance...
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I need help.used to be on 15 loracet 10/650 now im down to about six to 8 a day....im new...
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i took 2 10 mg of lorecet will it show up in my urin in two days?
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had all my teeth pulled out on mon.1-31-11 for dentures, and every since i have had extreme...
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Phase 5
Due October 30th, 10:00pm
Nothing too scary for this assignment! You'll be updatign the extensions you made for the fourth phase to use AJAX for seding and receiving data. As before, the functionality from that assignment should be retained. It's again okay to use JQuery for this assignment.
| Value
(15pt Total)
|AJAX GET Requests
|6pt Total
Dynamic Pictures with AJAX
Update the photo detail pages from the previous assignment to use AJAX to GET photo data. Instead of sending all an album's meta-data as a JSON array when php generates the photo detail page, the page will now get that data in the background whenever the user moves to a new picture. Adjust the javascript functions called by the next and previous buttons to fetch the new meta-data using AJAX.
There are a couple of ways of doing this; my suggested approach is to create new php scripts which take in a current photo id via GET and return JSON meta-data for the next and/or previous photos. You shouldn't need to make major modifications to the functions which display the new photo from the meta-data.
|AJAX POST Requests
|9pt Total
Message Board with AJAX
You need to update the message board from the previous assignment to post new messages using AJAX.
Submission Instructions
As with all homeworks, you will submit this project in a two-step process:
- First, place all source code (stylesheets, html, and php files) in a single p5 directory. You will submit this homework under the unique id p5 using the command-line turnin per the instructions on the course homepage.
- You will also put your assignment up on your personal webspace on z. Per the FAQ for z, you'll need to place these files in /u/z/users/cs105/YOURCSID/p5.