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WATCH: How to Make Your Own Clutch From Scratch
The following is a guest post from our friends at POPSUGAR Fashion.
Are you on the hunt for the perfect oversized clutch? Today we're going to show you how to make your own customizable carryall. All you need is some fun fabric, felt and a hot glue gun—let's get started!
On Allison: H&M top, Zara vest and pants.
More from POPSUGAR Fashion:
- Four Foolproof Ways to Jump on the Leather Shorts Trend
- You Can Do What With Double-Sided Tape?
- Lily Aldridge on Bikinis and Her Celebrity Girl Crushes!
- Why Is the Structured Clutch Your Go-To Summer Bag? Find Out!
- Kendall and Kylie Jenner on Designing Clothes—and Borrowing Their Sisters'
More on Luckymag.com:
- DIY Louis Vuitton-Inspired Checkerboard Nail Art In Three Easy Steps
- DIY Video: Crystal Cuffs Inspired by Chanel
- DIY: How To Make an Alexander McQueen Inspired Bow Belt
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- The Intern Diaries: DIY Resort to Real Life
Keep up with the Lucky team on Twitter: Follow @LuckyMagazine


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(Updates with Fiat purchase options in 21st paragraph.)
Oct. 27 (Bloomberg) -- Chrysler Group LLC, the U.S. automaker majority owned by Fiat SpA, reported third-quarter net income of $212 million and boosted its 2011 profit forecast.
The profit compares with a net loss of $84 million during the same July-to-September period last year, the Auburn Hills, Michigan-based automaker said today in a statement. The average estimate of three analysts surveyed by Bloomberg was for net income of $211 million.
Chrysler raised the forecast for its first annual profit to about $600 million from its previous projection for this year of $200 million to $500 million, excluding costs associated with paying back U.S. and Canadian government loans. A lineup of redesigned or refreshed vehicles, including the Jeep Grand Cherokee sport-utility vehicle, Chrysler 300 sedan and Dodge Journey SUV, are helping drive the automaker's growth.
"This house continues to be fully focused on financial performance and making outstanding cars and trucks by fully leveraging its alliance with Fiat," Sergio Marchionne, chief executive officer of both automakers, said in the statement.
The majority of Chrysler's revenue comes from U.S. sales, which rose 26 percent during the third quarter compared with the same period last year, according to researcher Autodata Corp. Industry sales rose 5 percent during the third quarter. Chrysler's U.S. sales increased 23 percent to 1 million this year through September, boosting market share by 1.1 percentage points to 10.6 percent, according to Autodata.
Market-Share Gains
"Their share performance in the third quarter of 2011 was out of the box," Warren Browne, vice president of business development at AutomotiveCompass LLC, said in an e-mail. "Their Achilles' heel: Developing a much more credible position in the passenger-car business. The next generation with Fiat should help this."
Marchionne pulled back on customer discounts by reducing incentive spending 6.4 percent to $3,434 on average per vehicle, according to Autodata. The industry average was $2,618 during the third quarter.
Consumer Reports said Oct. 25 that the three Chrysler brands it rated improved in the Yonkers, New York-based publication's annual auto reliability survey. The Jeep brand, boosted by the new Grand Cherokee SUV, was the highest-ranked U.S. brand, finishing No. 13 out of 28.
Chrysler's ability to sell more cars with less money spent on incentives is "a dream scenario for any automaker," said Jesse Toprak, an industry analyst with TrueCar.com, a website that tracks automotive sales.
Meeting Demand
"Chrysler now has a better understanding of matching true consumer demand with their supply," said Toprak, who is based in Santa Monica, California.
Third-quarter net revenue rose 19 percent to $13.1 billion. Third-quarter modified operating profit, a measure that excludes items such as taxes, interest and pension-related costs, more than doubled to $483 million, the company said.
While Chrysler's sales are rising at a faster rate than the U.S. market, the global pace is missing Marchionne's target for the year. Chrysler's worldwide sales rose 21 percent to 1.38 million through the third quarter, trailing the 32 percent increase Marchionne sought for 2011.
Marchionne merged senior leadership of Chrysler and Fiat in the third quarter to create an executive council that oversees both companies. The "group executive council" of 22 managers includes the CEO, Fiat said in a July 28 statement.
Chrysler had $9.45 billion in cash on hand at the end of September, down from $10.2 billion at the end of June, according to the statement. Chrysler also revised its 2011 forecast for free cash flow to $1.2 billion from $1 billion.
UAW Contract
The United Auto Workers yesterday ratified a new four-year labor contract with Chrysler. The agreement pays Chrysler's 26,000 U.S. union workers a $3,500 signing bonus, half of which is contingent on meeting financial targets. The accord also raises entry-level worker pay without giving higher-paid senior workers a wage increase.
Fitch Ratings lowered Fiat's credit rating one level on Oct. 18, citing concerns that the combination with Chrysler will increase financial risk for the Italian automaker. Fitch rates Fiat at BB, two levels below investment grade. Moody's Investors Service and Standard & Poor's both have a negative outlook on their ratings of the Turin, Italy-based automaker.
Fiat said today that earnings before interest, taxes and one-time items, which the company calls trading profit, rose to 851 million euros ($1.21 billion) from 256 million euros a year earlier. Profit beat the 696 million-euro average estimate of eight analysts in the quarter, the first in which Chrysler's results were consolidated.
Fiat's Struggle
Marchionne has struggled so far in bringing the Fiat brand back to the U.S. after a near 30-year absence. Laura Soave, head of the Fiat brand in the U.S., said in August that Chrysler probably won't hit its sales goal of 50,000 Fiat 500 small cars in North America. Chrysler's rollout was hampered by a slower- than-expected opening of new Fiat stores.
Fiat rose 4.5 percent to 5.10 euros at the close of Milan trading. The shares climbed as much as 7.2 percent earlier.
Fiat is moving to raise its ownership stake in Chrysler to 58.5 percent this year after paying back U.S. and Canadian loans and buying out the taxpayers' shares.
Without spending any cash, Fiat gained 20 percent ownership of Chrysler through the U.S. automaker's 2009 bankruptcy reorganization. By exercising purchase options at a cost of $1.97 billion and meeting certain performance milestones, Fiat has obtained 53.5 percent of Chrysler on a fully diluted basis.
Marchionne has said he expects to meet the third and final milestone, tied to Chrysler assembling a 40 mpg vehicle in the U.S., by the end of the year, granting it an additional 5 percent stake.
The Detroit-based UAW's retiree health-care trust is Chrysler's other owner.
--With assistance from Tommaso Ebhardt in Milan. Editors: Bill Koenig, Jamie Butters
To contact the reporters on this story: Craig Trudell in Southfield, Michigan at email@example.com; Tim Higgins in Southfield, Michigan at firstname.lastname@example.com
To contact the editor responsible for this story: Jamie Butters at firstname.lastname@example.com

subset: commoncrawl


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Page 410
mother's immune system. It has been purified and used experimentally. No recommended use at present
Immunoglobulins (Gamma Globulin, Immunoglobulin G, IgG). Immunoglobulins are the antibody-containing fraction of human plasma. They are usually injected intramuscularly, but certain special preparations can be given intravenously. The evidence is conflicting as to whether intravenous IgG reduces the frequency of exacerbations in MS. Studies confirming that intravenous IgG might promote remyelination in humans have not been completed.
Immunobiological Revitalization. Purified rabbit antibodies against human bone marrow, spleen, and thymus, supplemented by an unidentified "human placental product." This treatment is not recommended.
Proteolytic Enzymes. A mixture of digestive enzymes (pancreatin, chymotrypsin, and several others), given intravenously in repeated dosage. Inadequate published information exists to permit informed judgement about this therapy.
Chelation Therapy with Ethylenediamine Tetraacetic Acid (EDTA). A simple chemical that chelates metals very efficiently and is used in cases of lead poisoning to remove lead from the body. Must be injected intravenously over several hours. Chelation therapy for MS is not based on acceptable published evidence and is dangerous.
Acupuncture, Acupressure, Qigong. These procedures are part of traditional Chinese medicine (TCM). Acupuncture, a 4,000 year old Chinese procedure, is performed by inserting fine needles into specific skin sites with the expectation of influencing the function of underlying organs. The belief is that body energy flows in channels that connect to organs, and an imbalance can be restored by the acupuncture needles inserted into 365 points. Qigong is an approach to restore balance by deep breathing, concentration and relaxation exercises. This treatment is considered to have no effect on the disease process in MS and has not been shown to have any value in the symptomatic management of patients with disease.
Dorsal Column Stimulation. The dorsal columns of the spinal cord are large bundles of nerve fibers that carry the sense of touch and the sense of position from the legs, trunk, and arms up to the brain. The spinal cord is protected by a connective tissue wrapping known as dura. Electrical stimulation of the dorsal columns requires implantation of two electrodes on the overlying dura, which is done by passing the electrodes


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|New Century Version (NCV)
|New International Version (NIV)
|15 I will bless her with plenty; I will fill her poor with food.
|15 I will bless her with abundant provisions; her poor will I satisfy with food.
|Scripture taken from the New Century Version. Copyright © 1987, 1988, 1991 by Thomas Nelson, Inc. Used by permission. All rights reserved. (New Century Version Online Bible)
|Scripture quoted by permission. Quotations designated (NIV) are from THE HOLY BIBLE: NEW INTERNATIONAL VERSION®. NIV®. Copyright © 1973, 1978, 1984 by Biblica. All rights reserved worldwide. (New International Version Bible Online)


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75 Delicious Ways to Cook with Eggs
Do you think "blah" when you think of eggs? These 75 recipes will have you singing a different tune for breakfast, lunch, dinner, and beyond with these "how to" tips.
Want to start with the basics? Familiarize yourself with these easy egg ideas and tips, and when you're ready, try your hand at one of these amazing egg breakfasts from Delish Cooking School.
By Woman's Day Staff
Special Toppings
62. Homemade Mayonnaise
In a blender, beat 1 egg (at room temperature) and 1/2 teaspoon each salt and dry mustard until frothy. Mix in 2 tablespoon lemon juice. With the blender on medium, gradually blend in 1 1/2 cups oil until thick. July 1981
63. Blender Hollandaise Sauce
In a blender, combine 4 egg yolks, 2 tablespoons lemon juice, 1 tablespoons Dijon mustard, and a pinch cayenne. Heat 1 cup butter until bubbling (do not let it brown). With the blender running, gradually blend in the butter until thickened (adding warm water if too thick). April 2012


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What a dirt-bag ! Just crawl right in the gutter and put mothers and children behind you ..... Lets not forget Mr Lanza was a Criminal who stole those guns ! No law will protect anyone from this sort of evil person who choose to Break the Law and didn't care about any laws !
Obama moves to 'shame' Congress into approving gun control package | Fox News


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OCC - for Fall 2012 or Jan 2012 prospective students! - page 29
Hi everyone! Okay so I decided to make a seperate thread for those of us seeing what our options are because we got the dreaded letter from OCC. It was getting hard to filter out the information pertinent to us in the general... Read More
- 0Jun 28, '12 by TinkerBell2002It's August 1 at the RO campus
- 0Jun 30, '12 by QuarterLife88, RNWe never had a med terminology book (you don't need one, the lingo isn't rocket science), but I looked at the list and it looks like it's required. I would hold off though. The Pharm books is also required and I never used it, not even in Pharm! If it's optional, don't bother. You do need a good lab & diagnostic book, and I just went with theirs but there are many resources out there just as good, like medscape.
- 0Jul 3, '12 by whosurdaddyuse to be a huge book called foundations in nursing by taylor, damn thing weighed 25lbs, i swear 25lbs. you should be glad you dont have that anymore. my back still isnt the same
sorry havent checked in, in a long time, what with my final class and studying for the nclex i just havent had time. looks like you guys have some really great help form quarterlife anyway. hope everyone passed pharm, but heard of a couple who didnt through friends i still talk to in the program. its always hard to see people fail. the one thing about nursing school is gossip sure does spread fast.
some final stats for those who are interested: we finished with around 139 students out of 216 that started. some of those were LPN's doing transitions so the number of us that graduated on time was around 110 to 115. so just a little over 50%. scary isnt it.
well i hope you all have a great summer. i will post how long it takes me to find a job and what type of facility its in. hopefully by the time you guys graduate the nursing shortage will actually be a shortage, sure isnt right now. plenty of jobs for those with exp, none if you dont.
i would do the cna program this summer and get a job at a hosp over the fall if you can its the easiest way to get into a hosp after graduation
- 0Jul 5, '12 by whosurdaddydef want to use it. i think its valid for 2 years whether its used or not
it wouldnt be easy, but you can do it now or you can wait till after foundations. once you pass foundations you dont have to take the course, you can pay for the exam and just take the exam. pretty easy.
as of right now there are no hospitals that i have found that are hiring grad students. hopefully that will change in the near future, but not now. everyone wants 1 year exp. the hospitals hire there own so when you have a job at the hospital and you grad its a whole lot easier
- 0Jul 8, '12 by whosurdaddyyes unfortunately MCC has a clinical contract with st Johns Macomb and OCC doesnt so they hire the students from the schools the have a relationship with. i did send in an app there last week, so we will see


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50% of sales go to the charity Beat Making Lab.Browse more artists »
Sounds Like: Chameleon Circuit
Inferni333 was founded on October 1, 2012. It's current members include Adrian James Sprague (Lead Guitar / Vocals) , Briar Drew Lane (Vocals), Kasey Denton (Drums,Bass, Guitar).
Their sound mixes a combination of Indie, Folk, and Punk, to create their music.
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all sports
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Aberdeen continue to lead the pack chasing second spot in the Scottish Premiership with a 1-0 victory over St Johnstone.
A match of few chances at Pittodrie was settled with an early goal from Ryan Jack, although Saints were unfortunate not to earn a share of the spoils.
The Dons struck after just eight minutes when midfielder Jack unleashed a low drive from 25 yards past Alan Mannus.
Adam Rooney then tested Mannus with a shot from outside the penalty area and two minutes later Jamie Langfield was tested by David Wotherspoon, but the Aberdeen keeper easily saved.
Saints came close to an equaliser nine minutes before the break when Stevie May kept the ball in play and set up Michael O'Halloran, but he shot narrowly wide.
O'Halloran came even closer to a goal on 66 minutes when he burst away from Alan Tate and smacked a shot off the inside of the post.
St Johnstone's frustrating afternoon was completed when substitute Steven MacLean was sent off for two mistimed challenges on Barry Robson and Nicky Low.


text:
Wonderstruck : a novel in words and pictures
Featured Queue:
Don't Queue
Guided Reading Level:
Publication Type:Book
Source:Scholastic, Volume 1st, New York, p.637 (2011)
Call Number:Cub Curr PS3619 .E469 W66 2011
Keywords:American Museum of Natural History--Fiction, American Museum of Natural History--Juvenile fiction, Deaf--Fiction, Deafness--Fiction, Deafness--Juvenile fiction, Diorama--Fiction, Families--Fiction, Graphic novels--United States, Museums--Fiction, Museums--Juvenile fiction, New York (N.Y.)--History--20th century--Fiction, New York (N.Y.)--History--20th century--Juvenile fiction, Orphans--Fiction, Orphans--Juvenile fiction, People with disabilities--Fiction, People with disabilities--Juvenile fiction, Runaway children--Juvenile fiction, Runaways--Fiction
Summary: Having lost his mother and his hearing in a short time, twelve-year-old Ben leaves his Minnesota home in 1977 to seek the father he never knew in New York City, and meets there Rose, who is also longing for something missing from her life. Ben's story is told in words; Rose's in pictures.
Publication Language:
Lexile measure 830; Ages 9-12; Adventure, Comic Books and Graphic Novels, Historical Fiction, Mystery and Suspense


text:
Cramer: Oracle is Not A Buy, SAP Is
Oracle (ORCL) might have had a good quarter, but Jim Cramer said he's still not excited about the company. He said there is no reason to be in this slow and steady stock.
"I didn't expect it. I was using cockroach theory, which is when you have a bad quarter like the last one, the next one could be just as bad. They managed to be able to close some deals that they hadn't before. That said - I am not getting excited," Cramer said.
Despite the quarter, Cramer said, Oracle is not a buy at this time. He is not impressed by the company's cloud strategy, despite some recent acquisitions. "It's faux-cloud," Cramer said. He said he likes Oracle's tactics but is not going to endorse the company as a cloud company.
Cramer likes SAP (SAP) better. SAP, he said, is getting embedded in a lot of places and maintains a good relationship with Apple (AAPL). "I really am a believer in SAP. It's been a remarkable stock, even though it's a German stock and the European market has been bad," Cramer said.
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What does PAC mean in London Stock Exchange?
This page is about the meanings of the acronym/abbreviation/shorthand PAC in the Business field in general and in the London Stock Exchange terminology in particular.
Pacific Assets
Find a translation for PAC in other languages:
Select another language:
What does PAC mean?
- pac(n.)
- a soft, heelless shoe worn as a liner inside an overshoe.
Discuss this PAC abbreviation with the community:
Use the citation below to add this abbreviation to your bibliography:
"PAC." Abbreviations.com. STANDS4 LLC, 2014. Web. 20 Dec. 2014. <http://www.abbreviations.com/term/603267>.
PAC also stands for:
- Atari STAD Image Bitmap graphics file
- IEEE Particle Accelerator Conference
- P1 Artificial Chromosome
- Pacific
- Pacific Atlantic Cycling
... and 146 more »
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Playstation 2
All Wu Generals (JP version) for Dynasty Warriors 5Home / Playstation 2 /
This page contains Dynasty Warriors 5 Codes for Playstation 2 called "All Wu Generals (JP version)" and has been posted or updated on Oct 20, 2006 by MazyooNa. Let us know what you think of this Code by thumbs voting.
- Developer: Omega Force
- Publisher: Koei
- Genre: Action Beat-'Em-Up
- Release Date: Mar 29, 2005
- ESRB: Teen
All Wu Generals (JP version)
Hold L1 + L2 + R1 + R2 and press Up, Down(2), Up, Right, Left(2), Right, Up, Down, Square, Circle, X at the title screen. The sound of a sword will confirm correct code entry.
Back to all Cheats
Stuck on this game? Set a specific, clearly defined question and let others answer your question or view answers to previously asked questions. If you think you are an Dynasty Warriors 5 expert then please try to help others with their questions.
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14 of 50 Items
Arms of Foreign Cities.
Cigarette cards
Cities & towns
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W.D. & H.O. Wills (Firm)
Cigarette Cards: ABCs
Stephen A. Schwarzman Building / George Arents Collection
All Any
Image ID: 461580
(ca. 1902-1917)
Image sets are related images taken from a single archival object, such as a menu, a scrapbook page,
a roll of film, a postcard front and back, or similar item.
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NEW YORK, May 2, 2014 /PRNewswire/ -- TGM Associates is proud to announce the firm's Managing Principal and Chief Operating Officer, John Gochberg, spoke at The Condominium Development, Finance and Investment Forum held in Miami, FL on Thursday, April 24th. Mr. Gochberg participated in a panel discussion titled "Conversion /Reversion…Which Way Should We Go".
The panel focused on the real time decisions needing to be made today by converters and developers. As the panel agreed on the fact that reversions are no longer being done as it perceived that the cycle has bottomed out and will not return again until the next condo bubble bursts, they spent little to no time on the topic.
Additionally, as the real estate market continues to improve across the country, the panel discussed that condo bubbles are starting to percolate in markets such as South Florida, Boston, New York, D.C., San Francisco and downtown LA. In these markets condo converters are now purchasing or taking options on existing rental apartment complexes with the intention of converting them in the very near future, while developers are actually constructing condo communities.
The panel concluded with a discussion of the positives and negatives relating to the creation of condos by converting existing inventory versus developing new inventory.
"The panel was very well received by the audience. As a national apartment rental expert, it was wonderful to interact with condo converters & developers directly and to better understand their concerns and pressures which are similar and different than mine," said John Gochberg, Managing Principal and Chief Operating Officer, for TGM Associates, a SEC-registered real estate investment advisory firm based in New York City.
To learn more about TGM Associates please contact Michael Frazzetta, CFO
Phone: (212) 830-9336, E-mail: email@example.com
To learn more about TGM Communities please contact Arthur Kosmider, Director of Property Marketing
Phone: (212) 830-9348, E-mail: email@example.com
TGM Associates, 650 Fifth Avenue, 28th Floor, New York, NY 10019-6149
About TGM Associates
Founded in 1991, TGM Associates is a SEC registered investment advisory firm with a single focus -- multifamily properties. TGM specializes in acquisitions, property management, leasing, construction, property maintenance and dispositions. TGM provides investment advisory services regarding the acquisition, management and sale of multifamily properties throughout the United States. An affiliate of TGM provides property management under the brand TGM Communities.
Logo - http://photos.prnewswire.com/prnh/20130821/PH67434LOGO
- Real Estate
- Investment & Company Information


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Steampunk Topsy Turvy Cakes: Trend Alert!
Steampunk is one of those things that's hard to describe. With its roots in science fiction & the industrialized 19th century, this aesthetic emphasizes a balance between form and function, blurring the line between tools and decoration. If you haven't heard of it before, the best way to explain it is to repeat the old adage: "you'll know it when you see it."
And there's plenty of steampunk to see right here on Craftsy in the form of topsy-turvy cake! In fact, in the online Craftsy class, Topsy-Turvy Cake Construction, instructor Richard Ruskell features a steampunk cake. Perhaps that has been the inspiration for all the jaw-dropping and fun steampunk cakes we've seen being made and posted by members of our Craftsy community!
Craftsy Projects:
And it's not only on Craftsy where we're seeing steampunk cakes, just check out all the pins on Pinterest!
Related Posts
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Looks good to me now we need a class Craftsy!
I concur with Venise…we need a steampunk cake class with someone who really understands the concept!!


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Richard C. Frese
At a Glance
Healthcare organizations can improve their year-end malpractice insurance accruals by taking the following steps:
Determining an appropriate accrual at year-beginning for adequate reserves in year-end financial statements has its challenges. Complicated by the low-frequency and high-severity nature of medical malpractice losses and insurance program changes during the year, a program often may be significantly overaccrued or underaccrued when losses don't develop as expected, resulting in problems such as eliminating redundant reserves or quickly finding capital to reduce a deficit.
Furthermore, due to evolving guidelines and standards, an increasing number of healthcare entities are booking the unpaid claim liability reserve at a single point estimate (the actuarial central estimate, formerly known as the "best estimate") instead of booking within a range. This change in practice limits healthcare finance leaders' flexibility in determining an appropriate accrual amount for total year-end reserves. Issues such as these can be resolved by better understanding the accrual process and adhering to a few simple guidelines.
The meaning of accrual varies in practice. A common interpretation is the contribution amount for the next fiscal or policy year of exposures. A self-insured retention is often budgeted on an occurrence basis because financial reporting requires both claims-made and tail liability for late reportings, which total to occurrence liability. If the program is in a steady-state basis (similar characteristics and loss experience as in the past), the new occurrence-year contribution minus total payments for the program during the year is a quick approximation for estimating the change in liability during the fiscal year when ignoring investment income, changes in reserves, and trend.
Another common interpretation of accrual is the change in unpaid claim liability estimates during the fiscal year, or projected year-end liability minus the year-beginning liability. Liability comprises known claims, commonly called case reserves, as well as a provision for unknown losses, commonly called incurred-but-not-reported (IBNR) losses. IBNR losses are usually estimated by an actuary and consist of several components, including case reserve development on known cases, pure late reportings, reopened cases, and pipeline claims (reported but not yet in the system). A different view of liability is ultimate (retained) losses less payments. Ultimate losses are the sum of payments, known case reserves, and IBNR losses. Any change in the ultimate losses affects liability on a dollar-for-dollar undiscounted basis.
When considering an insurance expense for the fiscal year, some finance managers will also add the payments made during the year to the change in unpaid claim liability. Regardless of the interpretation, the core elements and principles are similar. All of these interpretations are theoretically alike when trends and other program changes are omitted. A formulaic illustration is shown in the exhibit below.
It is important to note that many auditors are primarily concerned with sufficient year-end reserves and do not express an opinion on the accrual process. It is up to the organization's finance leaders to decide whether and how much to accrue for self-insured losses during the year. Many prefer an equal monthly accrual, but some may opt for a different scheme to meet their needs, including using an actuary to project an accrual amount. As long as there are sufficient year-end reserves, most auditors do not have a preference for how the organization determines the amount.
Loss projection models and estimates rely on the assumption that the past indicates the future. In other words, if a program is in a steady-state basis, future losses will develop in a similar manner-similar reporting lag, closing lag, philosophy of reserving, and even an equal number of large losses. Loss projection models and estimates also assume that losses will trend at a comparable rate, that exposures are homogeneous, and that the retention remains unchanged. Even other program characteristics such as the percentile level (confidence level), rate of discount, and other expense provisions that may be added to the program are assumed to be stable over time.
Under the theory of consistency and a steady-state basis, the ultimate losses of a program, which determine the liability, would remain the same as initially projected. In reality, however, an insurance program and assumptions in a projection model are constantly evolving. Any midyear change in a program should be accounted for in a revised estimate of an accrual because the basis of the initial accrual has been altered. Generally, the most significant change finance leaders make during the year is to managing and reserving reported claims. For example, the leader may decide to initially step case reserves but later decide to reserve claims at the expected settlement amount (reserving to ultimate).
Since estimations commonly rely on long-term averages and/or industry information, a program may be overaccrued if there are not any large losses during a year, but then significantly underaccrued if a large loss does occur. Development patterns, frequency and severity trends, and other data are estimated over a long period because of the long tail nature of professional losses. In fact, the final ultimate losses in medical malpractice may not be known until 10 or more years after occurrence.
In such a long observation period, there may be years with large losses and years with very small losses, all of which are averaged into a long-term estimate. When a year is first projected, it is initially assumed to be average, but it often will later develop into a "good" year or a "bad" year. Averages work well over a long period of time, but in any given year, they may be too high or low. The situation is further complicated when a change in an insurance program results in the initial use of industry information (from a lack of credibility in the program's own data) that may cause a divergence if the program's actual experience does not match the industry average.
As policy or accident years mature, and when programs evolve, various methods may be employed to project losses. The estimate of ultimate losses always is in response to current information, making it difficult to precisely project year-end results. Typically, it is best for loss experience to drive the estimates and not the assumptions of the model. Following are some considerations for management when budgeting an accrual amount.
Maintain productive communication. When relying on an actuary's estimates, healthcare finance leaders will find that frequent conversations are beneficial. At minimum, these conversations should occur annually when commencing the actuarial evaluation, with a follow-up during the year if changes occur in the program or loss experience. It is important for the actuary to understand all program changes enacted by the healthcare organization. In addition, the actuary should be able to demonstrate the impact, per change, to the program's liability. The finance executive should understand the actuarial estimate and may want to inquire as to the number of expected large losses in the actuarial estimate, or even the estimated amount of payment during the next fiscal year, to see if these items align with his or her expectations.
Match accrual and accounting policies. Some programs budget the contribution at a percentile, such as the 75th percentile. Although the contribution amount is selected by the finance leader, the liability is regularly at the actuarial central estimate. There is inherent conservatism by using a contribution at a percentile. This option may be preferred because it decreases the chance of having a year-end deficit, but it also means most years will be overaccrued. By using the actuarial central estimate, the expected amount of surplus is reduced, but conservatism is also reduced.
Adjust amount of credit to the program's own historical loss experience. Projection methods rely on selected loss development patterns and trends. Credit should be given to the program's own experience as appropriate but may need to be complemented with industry information. The amount of credit given depends on many factors, including the program's size and the stability of the loss experience. When the assumptions of a model need to be updated, it may be best to blend the assumption change for the purpose of stability; however, sometimes the change is more sudden, resulting in an unstable accrual amount. It is particularly important to use a revised accrual amount when the change is abrupt.
Request more frequent analysis. When a program undergoes multiple changes during a fiscal year or is on an unstable basis, or even if the organization's finance executive wants additional assurance that the monthly accrual is reasonable, the executive can always request an interim study. Depending on the size of the program, quarterly or semiannual analyses are reasonable. To decide whether an interim study is appropriate, the finance leader should determine his or her comfort level with current loss activity during the year and program changes. For example, when new exposures are added, the accrual should increase. An additional look during the year allows the actuary and management to respond to current information, which will lead to fewer year-end "surprises" for the organization and help smooth the accrual.
Obtain a second opinion. To gain even further comfort about the accrual estimate, the finance leader can pursue a second opinion from an outside actuary. Obtaining an unbiased, independent estimate in this way may confirm the original estimate or lead to a productive discussion to understanding the differences in the estimates. Finance leaders may decide that getting outside opinions every few years is valuable and worth the effort. When comparing two different estimates, finance executives should keep in mind that the goal is to determine an appropriate accrual amount for the program's exposures.
Healthcare finance executives should have a plan in place to handle program changes during the year and confirm that the accrual estimate is reasonable to meet the expected point estimate of the year-end liability. Program changes should be addressed quickly. By monitoring the accrual during the year, whether internally or externally, and better understanding what factors affect an accrual, finance leaders will be able to make interim adjustments and alleviate the concern of closing adequate year-end financials. The relationship between the finance executive and the actuary should not be underestimated. Each analysis provides both the actuary and management with a better "feel" for the program, which will add value and extra insight to project a more accurate accrual and meet the healthcare organization's financial reporting needs.
Richard C. Frese, FCAS, MAAA, is a consulting actuary, Milliman, Chicago (firstname.lastname@example.com).
Publication Date: Wednesday, August 01, 2012
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Scott Schmidt, vice president, Cerner RevWorks, LLC, shares insights on best practices for maximizing a revenue cycle management partnership.
Amy Amick, president, revenue cycle management, and William Davis, vice president, revenue cycle advisory solutions, both with MedAssets, share insights on the industry and techniques to drive sustainable performance improvement.
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Dale Hockel, senior vice president of operations, and Jim Fanelli, CFO, TriMedx, share strategies for elevating clinical engineering through innovative management programs.
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Amy Yang just three shots off the lead at the Meijer LPGA Classic Presented by Kraft
Topics: Interviews, Yang, Amy, Meijer LPGA Classic
Jimin Kang made three birdies in her final four holes to earn her second-career LPGA Tour victory at the Sime Darby LPGA Malaysia. The 30-year-old calmly rolled in a 12-foot, downhill putt on the 54th hole to shoot 6-under-par 65 on Sunday, then nervously watched as LPGA veteran Juli Inkster carded a bogey on the final hole to drop out of a tie for the lead. The victory is Kang's second on Tour following a Rolex First-Time victory at the 2005 LPGA Corning Classic.


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Home » News » Religion
Pope's resignation stuns NH Catholics
New Hampshire Catholics said they were surprised, including five students from Magdalen College in Warner who arrived in Rome Saturday to begin several weeks of study.
On Sunday, they were at St. Peter's Square to hear the 85-year-old Benedict say his weekly Angelus prayer. Twenty-four hours later, the announcement came.
"It's kind of crazy to think you come here and all of a sudden, it's a huge news story," said Baron Torres, a sophomore at the college. The students are lodging at a convent outside Rome, and Torres said he kept doubting what the receptionist told him Monday morning.
"You would think the Pope is supposed to stay on his seat until the day he dies," Torres said.
Others disagreed.
"There is a time to step down, even in the Catholic church," said William Fahey, president of the Thomas More College of Liberal Arts in Merrimack. "In his resignation, he is teaching us one more thing."
He dismissed any suggestion that there is more to the story.
Michele Dillon, a scholar of Catholicism and professor of sociology at the University of New Hampshire, said the resignation makes sense, given the mental and physical energy necessary to fulfill the job. The Pope had slowed down recently and started using a cane and a wheeled platform to take him up the long aisle in St. Peter's, Reuters reported.
In a statement, New Hampshire Bishop Peter Libasci asked for prayers for the Pope and said Benedict always emphasized the Church's deep traditions and 2,000 years of history.
Became Pope in 2005
Benedict was elevated to Pope in 2005, after spending years as head of the Congregation for the Doctrine of the Faith. There, he earned the nickname "God's Rottweiler" for his insistence on strict adherence to Catholic teaching.
As Pope, Benedict angered Muslims when he compared Islam with violence. Jews didn't like it when he rehabilitated a Holocaust denier. And the priest sex-abuse scandal continued throughout his papacy, especially in European countries.
Last year, Benedict's private butler leaked papers alleging corruption in Vatican business deals.
As Pope, Benedict adhered to established doctrine on topics such as homosexuality, priestly celibacy and women's ordination, Dillon said. And he bemoaned the rise of secularism in Europe and the Western world.
But he endorsed modernizing Vatican II and spoked against economic inequality. And there were no purges of liberals during Benedict's eight years.
"His kindness to liberals is one in not doing the things people thought he would do," said the Rev. Jerome Day OSB, a Benedictine at St. Anslem College who is also pastor at St. Raphael Church in Manchester.
St. Anselm connection
The announcement made for a sad day at the abbey at St. Anselm College, Day said.
When elected, the German-born Pope took the name of the founder of the Benedictine order, Day said. The Benedictines who came to New Hampshire to minister to Germans, he said, trace their spiritual home to Pope Benedict's native Bavaria.
"Across the board, there is gratitude among the monks at St. Anselm for the many good things he has done for us," Day said.
He said it will be interesting to see how the role of Pope-emeritus develops, and he said the former Pope would always be welcome to lecture at St. Anselm College.
The last Pope to resign willingly was Celestine V in 1294 after reigning for only five months. His resignation was known as "the great refusal" and was condemned by the poet Dante in the "Divine Comedy."
Gregory XII reluctantly abdicated in 1415 to end a dispute with a rival claimant to the papacy.
As soon as Palm Sunday?
In Rome, chief Vatican spokesman Father Federico Lombardi indicated that the complex machinery of naming a new Pope will move quickly, not having to wait for elaborate funeral services.
He said Benedict would not try to influence the decision of the College of Cardinals, which will select a new Pope. A new leader could be elected as soon as Palm Sunday, on March 24, and be ready to take over by Easter a week later, Lombardi said.
The Magdalen College students are scheduled to depart Rome on March 8, but Torres said he would like to stay longer.
Torres said it would be intriguing to witness the election of a new Pope. But he said he would give it up for the security of keeping Benedict in place.
"I'm honestly scared for the church," he said.
Dillon said a new Pope will bring a fresh perspective to problems such as the priest shortage, the role of women in the church and the lack of faith among youth.
"Whoever responds to them, the hope is they do it in a creative way," the UNH professor said. "The church is all the time tweaking its doctrine."
Reuters News Service and Union Leader Correspondent Kimberly Houghton contributed to this article.
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PSNH's rate request puts it lower than competitors, a reversal from last yearREADER COMMENTS: 6
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August 11, 2014
The Future of Impact Weapons
|Watch why the Rapid Containment Baton is the most effective baton for law enforcement agencies.
September 05, 2013
Mo. officers rescue deer trapped on bridge
|The officer got the doe to walk alongside him, using his baton as a guide, to get her off the bridge to safety.
August 22, 2013
Conflict erupts during police arrest
|Conflict erupts between a woman and French police. Officers were attempting to subdue a man accused of drunk driving when the woman became involved.
November 20, 2012
Crowd Control - Baton Use
|Watch as Mike Janin demonstrates the proper outfitting of a crowd control grenadier officer to effect crowd control with less-lethal force options.
October 02, 2012
Baton Striking
|Diana Rathborne outlines two different footwork patterns and various techniques of baton striking in her demonstrations of various drills.
June 01, 2012
Peacekeeper RCB - Holsters
|Holsters are now available for the Peacekeeper Rapid Containment baton (RCB).
June 21, 2011
Reality Training: Crowd Control
|In this video, Dave Smith stresses the importance of watching your defensive tactics techniques, particularly with a baton, in order to avoid negative coverage from the media.
October 13, 2008
Phillip Pitts: Baton Use in Close Quarters
Defensive Tactics Expert Phillip Pitts give you tips on how to improve your empty hands techniques by effectively using your baton: an innovative take on using an old tool in a new way.
Related Links:
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Ready for the First Day of Class St. Thomas School ending summer of projects and improvements
Thursday, August 29, 2013
The beginning of a new school year is always exciting. Students are preparing to head back to classes, wondering if their teachers will be strict, understanding, and fun, and what will the year ahead be like. Educators often ponder the questions of "What will my class be like this year? Will we be able to meet our students' needs? What can we do to ignite the desire to learn?"
Visitors had an opportunity to view the not-quite-completed project. Everyone was assured that the office would be completed and organized by the first day of school. The decision to move the office was made in light of events in recent years concerning schools and safety. Visitors will now directly enter the office instead of traversing the first-floor hallway to speak with the secretary.
We welcome our new students and families, our returning students and new and returning faculty and staff members. We look forward to a year of faith, learning and teaching, sharing and community spirit.


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FWIW, it was the late Phil Karlton. Mark "with more time available than expected" Baker On Wed, Oct 02, 2002 at 05:27:39PM -0400, Geoff Arnold wrote: > So I looked this up, and a Google search produced only one hit, > from the xml-dev lists: > I came across a quote recently (I don't > know who uttered it): "the two > hardest problems in computer science > are naming and cache invalidation" > ;) > regards, > Bill de hÓra > > My question is, if there are no other hits.....? > > -- Mark Baker, CTO, Idokorro Mobile (formerly Planetfred) Ottawa, Ontario, CANADA. email@example.com http://www.markbaker.ca http://www.idokorro.comReceived on Wednesday, 2 October 2002 20:45:44 GMT
This archive was generated by hypermail 2.2.0+W3C-0.50 : Tuesday, 3 July 2007 12:25:09 GMT


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Robot fish and the alcoholic brain
Fish aren't exactly the world's most intelligent of animals. Zebrafish, for example, don't really discriminate too much when it comes to who they hang out with. As it turns out, a robot shaped roughly like a fish and painted to look like a big fat lady-type member of their own species is as good a swimming buddy as any in their little brains.
Maurizio Porfiri, director of NYU-Poly's Dynamic Systems Lab, recently got to thinking about the simple-minded Zebrafish and their part-time robot buddy. He realized that the real fish, while interacting with the robotic fish, presented a clear, simple system of interaction, one which might eliminate a few factors when dealing with a mind whose chemistry had been altered by a bit of booze.
And so an experiment was born. Shoals of Zebrafish, previously shown to enjoy the company of the robofish, were given varying degrees of ethanol-laden tanks to swim about in. The inebriated fish were then studied to see what they might do when intoxicated, and the result was suprising, at least when compared with typical human drunken behavior: the fish that were given alcohol wandered about the tanks, seemingly not caring a lick for the alluring robo-lady-fish that they had previously wanted to be right up against. Talk about reverse beer goggles.
The real news, however is that the experiment did in fact eliminate a good few variables that usually exist when testing for effects of alcohol on behavior. Which means that other experiments can go forward with the same certainty. And next on the docket for Porfiri is the introduction of a robo-predator. The better to see how Zebrafish — and maybe the rest of us as well — deal with danger when intoxicated.
Via Alcohol Journal


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Top Image Updates Financial Outlook For Full Year 2012
TEL AVIV, Israel, Jan. 7, 2013 (GLOBE NEWSWIRE) -- Top Image Systems, Ltd. (Nasdaq:TISA), a leading Enterprise Content Management (ECM) intelligent content capture and delivery solutions provider, today announced updated expectations for the fiscal year ended December 31, 2012.
Management expects revenues of between $30.9 million and $31.5 million, representing year-over-year growth of 8%-10%, and non-GAAP operating profit of between $4.0 million and $4.2 million, representing year-over-year growth of 10%-15%. This 8% deviation in revenues from the low end of previously announced guidance reflects:
- Delays in closing several major sales, previously expected to close in the fourth quarter, which are now expected to close during 2013;
- A more than $1.0 million EURO-Dollar exchange rate impact, without which the deviation would have been only 5%.
In parallel, several orders that were to close in 2012 are expected to be finalized in 2013, and the pipeline of potential sales internationally and in the United States has increased. Therefore, management remains confident regarding its ability to deliver solid growth in 2013 and will announce formal guidance in conjunction with the release of full-year results."Traditionally in our market, numerous sales are closed during the last few weeks of the calendar year," commented Dr. Ido Schechter, CEO of Top Image Systems. "However, we are witnessing that current economic conditions are causing a slowdown in decision-making and an extension of enterprise sales cycles that has delayed expected TIS sales closures in these last weeks. Our product offering remains strong and competitive and we believe that the challenging economic conditions facing enterprises will in the long run prove an opportunity for growth. The growing list of opportunities we have in the United States in mobile and non-mobile, as well as in our core international business, reinforce our confidence that we will experience significant top and bottom-line growth in 2013. We believe it is premature to issue formal estimates, but given the pipeline and pending deals we plan to announce, we expect a strong year, and will add clarity to that when we issue formal guidance simultaneous with the release of our full-year results."
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18 Homemade Christmas Decorations: How to Make Christmas Decorations
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Easy DIY Serving Platter
By: Mechille Green
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This is such an easy craft you'll love it. If you have old plates you want to get rid of, don't. Reuse them and make a 2 tier serving platter. All that's need are plates and a candle stick holder. Great for holiday parties.
- Dinner Plate
- Sandwich Plate or Bowl ( smaller than the dinner plate )
- Candle Stick Holder ( glass or brass, somewhat matching the plates.)
- Tube of E-6000 ( found at Wal-Mart in the craft section )
Make sure that all three pieces are washed and dried.
Place the dinner plate on a flat surface, like the table.
Find the center of the dinner plate and place the candle stick upside down on the middle of the dinner plate. Carefully place a little E-6000 on the candle stick rim and place it back in the center of the dinner plate. The candle stick is the column between the two tiers. Let that dry in place for 1 hour.
Place the smaller plate or bowl on top of the candle stick holder, making sure to center the candle stick in the middle of smaller plate or bowl bottom. Now place a small amount of E-6000 onto the rim of the candle stick holder and replace the small plate or bowl, making sure it is centered properly.
- Allow your 2-tier serving platter to dry for 24 hours before using. I advise had washing instead of dish washing this platter.
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Important People's Employees Haven't Yet Learned Not to Tweet About Jews, Nazis
This time, it's a staffer for public advocate Bill de Blasio.
Skip to content, or skip to search.
Skip to content, or skip to search.
This time, it's a staffer for public advocate Bill de Blasio.
What's going on with Kermit Gosnell?
In addition to all the real crimes.
Like fish in a barrel.
Despite last week's firing of Joe Cassano for doing just that.
"It's not very witty."
Who had the best clip art? Who had the worst pun?
The driver got a ticket.
It notes her "history of drinking."
Sources say he "went berserk."
Says the New York Post's resident prude/technophobe.
As submitted by you!
Now there are pictures, and the tabloid wants to see them.
Those two things usually have something to do with one another.
The New York Post is worried about the Clintons' marriage in the wake of her Benghazi "explosion."
Keyboard is mightier than the sword?
The tabloid fell for what looks like an obvious fake.
The Post and Daily News know crazy when they see it.
He'll never live this down if he goes to prison.


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FIFA Votes To Release At Least Some Of The Controversial World Cup Report
Soccer's governing body also announced that it would not revisit the bidding of the 2018 and 2022 World Cups, because there were no legal grounds to do so.
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May 17, 2005
Alan Hatch of Mesa learned so much from the first two Leadership Centre neighborhood conferences, he jumped on board to help plan this year's event.
As president of his Robson Street Villas Homeowners Association, the conference opened his eyes, changed the way his HOA does business and made him more aware of what an HOA should do on a day-to-day basis.
"There were professionals there that you could talk to," Hatch said. "It was a great place to ask questions and get answers. I couldn't believe how much I learned and couldn't wait for the next one."
His neighborhood even received a Spirit of Mesa award for community and events building.
This year's two-day conference is planned for Friday and Saturday at the Chandler Center for the Arts. The Leadership Centre, a partnership between several East Valley communities and educational institutions, is hosting the third annual conference.
The conference will kick off with a neighborhood block party to coincide with this year's theme, "Mobilizing Our Community." The block party will provide an opportunity to network, eat and get resources, said Stefanie Garcia, a neighborhood outreach coordinator for Mesa.
"Hopefully they'll walk away with valuable information about how to organize and mobilize people to achieve goals of their neighborhood," Garcia said.
The conference is open to anyone who is involved in their neighborhood and community, from homebuilders and real estate agents, to neighborhood leaders and government officials.
An HOA legislation panel Saturday will discuss various HOA issues and laws. Speakers and panels will follow to talk about bringing people together, how to build those relationships and how to get things done, said Cynthia Dunham, the Leadership Centre's founder.
"It will be a great opportunity to learn from people who have actually done it," said Dunham, a Gilbert resident. "These are folks who have mobilized their community, from cleaning up crime in their neighborhood to creating sports programs for youth."
To register or learn more, call (480) 644-5701 or visit
Find out more What: Neighborhoods Arizona! Mobilizing Our Community conference When: 6 to 9 p.m. Friday and 9 a.m. to 3 p.m. Saturday Where: Chandler Center for the Arts, 250 N. Arizona Ave. Cost: $25 Info: (480) 644-5701 or www.theleadershipcentre.org


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Honest, Faithful, Looking for My Partner In Life !!! Im Better At Describing Myself ,By Answering Questions!!! Lets Go To The Movies, Coffee, Country Drives, Museums!!I can Do It all ,With The Woman in My Life!!!!
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Quite, peaceful, romantic. Just one mile out of Hermann, highest point in area, stunning view of village. Our Suites are perfect for private recharge getaways or outstanding for large groups traveling together. Up Up and Away Lodging has 4 Luxury Suites with may extras not found elsewhere. Features include grand king size beds, flat screen TV's, fridge, microwave, satelite TV, and wireless internet in every suite. Breakfast is delivered to each suite for you to enjoy in total privacy. The common area offers a bar, pool table, large flat screen TV, sound system, a wii and karaoke for hours of entertainment. This magnificent great room area is suitable for group gatherings and special events or snuggle in on the large panoramic sofa to watch your favorite movie and enjoy some local wine.
Score Breakdown based on
43 Reviews
5 on September 04, 2014
Leif & Beth are the best people you will ever meet and the B&B is truly wonderful. My family and I enjoyed every minute of our stay and every aspect of the accommodations and service. Great rooms, great amenities, great service, great views, great location...get the picture? Look no further...you will not be disappointed. Also try their awesome eatery, Wings-A-Blazin'!
5 on September 01, 2014
My wife and I celebrated our first anniversary in Hermann over Labor Day Weekend, staying at Up Up and Away Lodging on the south edge of Hermann. We stayed in the Deck Suite and it was nothing less than a first-class experience. The staff bends over backwards to meet their guests needs, and made certain we were not only taken care of as their guests, but that we were given the best information on where to eat, tour, and find interesting things to do. The Deck Suite is on the second floor and sleeps four -- obviously not when we were there! -- with two full baths and a fold-out couch for the second couple or kids. The only issue for some might be the spiral staircase up to the suite -- as Beth told us on the phone, if you have trouble with stairs, don't reserve that suite. But for us it was great. We didn't try the couch as a fold-out bed, but it was comfortable and the living room is spacious. They served us breakfast in the suite, and it has a full kitchen for other meal needs, if you don't plan to eat out every meal. One of the best parts of our stay was the absolutely gorgeous view of Hermann down below our suite. The B&B is high on a hill and overlooks the town and the whole Loutre River Valley, a feeder stream into the Missouri. We highly recommend this facility, and this ownership. They are first-rate in every way.
4.8 on May 12, 2014
My husband, our son, my mother and my brother and I stayed in the Loft for Mother's Day weekend 2014. This is a beautiful, spacious, extremely clean B&B. Diane was extremely friendly, very warm and welcoming. The breakfasts were good; the towels were large and fluffy; and the bedding was comfy and cozy. Sitting on the deck at night counting the stars was very relaxing. I highly recommend Up Up and Away.
5 on September 17, 2013
Ok first off amazing place to stay!!! Would not stay anywhere else in Hermann. Me and a few of my ladies came down to view the wineries, they have transportation to and feom the various places where in Hermann. The view is absoloutly beautiful. We had a amazing time oit in the town of Hermann, but the best part was the Pure Romance party that we had when we returned for the evening. The Pure Romance consolutant did a fabulous job. She was very entertaining, as well as educational. The products ahe offered are GREAT. All we had to do was tell Beth we wanted to do a party and she set it all up for us. If you and your ladies come down this is a must do!!!! Thanks againup up and away for a rememoriable weekend. We will be coming back to stay ans do another Pure Romance party.. thanks Rachel St.Louis MO
4.4 on August 09, 2013
My husband and I chose Up Up and Away based on what I saw on their website and affordable price for a weekend away together. I had no idea how much I would love this place! The Deck Suite really is a slice of heaven....the view from the deck just mesmerizes you esp. on a beautiful morning sipping coffee. The food was beyond expectations esp. with the delivery of it each morning..by such a friendly staff member!! Loved it!! I can't wait to plan our next get away to this destination. We were only an hour away from home but felt like we were really escaping to a far off place. Thank you!!!
5 on June 17, 2013
We stayed a few weeks back at Up, Up and Away and enjoyed it. We stayed in the garage room (it has a special name, but I can't remember what it was). Great view, enough room for 12 people (really) with two full bathrooms, a kind size bed, a pull out couch, breakfast nook, kitchen and separate jacuzzi. The view is the best you can get in Missouri and you have your own private deck and grill area which seats 8, if I remember right. Inside the main house is also very comfortable and convenient if you're traveling with a larger group. I highly recommend it. Great place.
5 on January 29, 2013
Spent a Wonderful Night here. By far the cleanest and most relaxing place my husband and I have stayed in a very long time. Perfect for a quiet night away. Thank You Beth for a wonderful stay. Breakfast is also quite delicious. We will be back.
4.4 on November 19, 2012
Stayed here last minute on a Sunday night after touring the wineries. This was one of the few B&B's we could get a hold of on a Sunday afternoon. The staff was very courteous and helpful. We stayed in the Deck Suite, and it was fabulous. Great views, clean, comfortable, nicely appointed. The innkeeper adjusted the breakfast time to suit our departure time, and the breakfast was a little cold, but plentiful and good. I really enjoy the older, historic homes and was initially disappointed to stay at this more modern B&B, but actually loved it and we'll go back soon.
5 on September 26, 2012
This B&B was great! Very nice people, great rooms, plenty to entertain with if you didnt go anywhere, and great food!!
5 on July 27, 2012
My wife and I enjoyed our stay 7/22-7/26/2012. What a great place to stay with a view- The breakfasts each a.m. were outstanding- Beth and her staff do a great job making you feel at home- you will not be disappointed.
BBQ grill, Conference Rooms, Piano, Private entrance, TV Video games, Washer/dryer, Wedding Facilities , Secure Guest Garage, In Room Masseuse on-call
Air conditioning, Alarm clock, Amenities Basket, Bath robes, Board games, CD player, Ceiling fans, Coffee/Tea facilities, DVD Player, Desk, Fireplace, Fridge, Hairdryer, Hot tub/whirlpool tub, Internet Service, Ironing Board, Microwave, Satellite/Cable TV, TV, Videos, Wi-Fi
Leif and Elizabeth Johnson
English, German
She is owner/operator of popular Wings A-Blazin Restaurant, He is retired Air Force and current pilot for Southwest Airlines


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Two and a Half Men Review: A Harper from Hellby TV Fanatic Staff at . Comments
Ladies and Gentlemen, that is how you bring the hedonistic playboy Charlie Harper back to life on network television!
If I could rate tonight's episode only on Kathy Bates' performance, I would give it a shining five stars - but that is not how this works. The veteran actress delivered an award-winning performance, absolutely, yet the episode was lacking in certain parts. Let's delve in to "Why We Gave Up Women," shall we?
For starters, Walden actually choked when he was about to get rid of Zoey and Ava, as emotions got involved and he had to change plans. His refusal to send his lady and her child packing caused Alan's heart attack.
From that point on, the entire installment went downhill... to somewhere dark and dreadful, a path this show treads so well. The episode featured the normal low-brow jokes, a staple for Two and a Half Men of course. Specifically, the ghost in the bowling shirt kept referring to his/her (its?) privates.
For the past few episodes, Alan has been painted as a pathetic parasite that no one cares for, especially his mother and always-high son. But tonight he decided to graduate from a leech to roach and stand up on his two feet. Like I said two weeks ago, these guys get As for effort, but fail totally and completely for the actual results. Here, Alan failed in his rejuvenation attempt and had to fake a heart attack.
Walden and the rest of crew were involved in B-plots tonight, which was fine by me, as most of the episode was reserved for the Harper brothers' reunion. Even from Hell, Charlie decided to still torment his younger brother. (Note: Alan is really gullible). Tricking him so that Alan would leave his house is so vintage Charlie Harper, and the constant references to sex just remind us viewers how much we miss a certain Sheen.
Sorry, Jon Cryer, if anyone deserves an award tonight, it should be Kathy Bates. So, what are thoughts on the unusual episode? Did you expect more or did you enjoy the installment? Have your say below. And don't forget to check out our Two and a Half Men quotes page for vintage Charlie zingers and jokes.
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Too bad. Kathy Bates is actually a very good actress. But look at this episode as what it is: once again they have to call in Charlie Sheen's character to pump up the ratings! I mean invoking Charlie Harper yet again??? And they have to call in back up from Kathy Bates dressed up in Charlie's/Chuck's bowling shirt? Does this tell you how desperate this show is without Sheen?
I watch some of the Housewives, too, Angela guilt free! And Bethenny's show makes me laugh out loud, and without all the mean girl atoicn. What's not to love about that?
This episode was the only one that made me even remotely laugh this season. i love Kathy Bates as an actress, and she got Charlie's mannerisns down well, and delivered the lines really well. Other than that episode, the rest of the season has been wasted on a pot head son, and a masturbating chiropractor who hasnt worked lately. The show needs more of the original characters, like the mother, who is a scream, Judith and Herb, and more Berta. Fitting Rose in there would be good as well. of course, the best thing the show could do was make up with Charlie Sheen and get the show back on the road.
i want Zoe to go away. She is a horrible woman. Waldon needs to go back to being a womanizer. Cathy Bates was amazing :-) who played the doctor (young Chinese man)? I love that guy, but can't think of his name.
This season has been a bust. Charlie Sheen WAS Two and a Half men. Jon Cryer was much better in the first few seasons of the show, but this disgusting character he plays now is not only revolting, but tired. I am beginning to dislike him as a person, not only as a character. Less jon Cryer and more of the other characters. I agree that it is heart breaking to see our sweet, funny Jake as a kid, turn into whatever he is today...a waste. His situation adds nothing to the show, and Waldon,... I can't even..... Bring on the reruns with my beloved and funny Charlie!
The new season has ticked along, seems its in survival mode but Ashton is just about doing a job.. However, as the relevance to this Walden character starts to raise questions due they remind the viewers of the strength in depth it has in characters.. it could of bought back Herb, Rose or maybe Judith for some decent airtime!? but no!! the writers decided to remind us all how much we miss Charlie. Brill script and the, ALAN-''ive been going through some rough times''.. CHARLIE- ''you look like you've been through a propeller'' was classic Harper brother banter!! Oh how the show misses it. this episode has actually clarified how backwards the show has gone since Sheen left and from the producers point of view i ask them- why remind us?
Oh, and I just noticed Kathy Bates isn't wearing shorts the way Charlie Sheen used to. She's wearing jeans, which Charlie never wore.
It was funny that Alan could use his real heart attack to make his fake heart attack believable and it was so funny when he lay in bed and said: "I'd like to thank the academy. There are no small parts, only small apartments." Two And A Half Men has always offended some people. It used to be the sex jokes and of course still is. But now it's more about what a leech Alan is, and again some people get offended. That's one of the reasons I like this show, that it challenges what is considered comically correct.
I watched the first episode, to see how Ashton was going to fit in the revamped show and I liked him. I thought that maybe they would get away from all the drunken, hungover, womanizing crap and entertain me. Sadly they have made Jon Cryer's character beyond a loser, they have made him practically unredeemable and all I can think of when I watch this is how in the hell does he still have visitation rights to his son? I'm done. Give everyone a pat on the back for the effort but the writers have given up, the rest of you might as well too.


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Former Longtime WNBC Anchor Carol Jenkins Says TV News Industry Going 'Right Direction' for Women, Blacks
Carol Jenkins was a top-notch broadcast journalist for several decades in New York. She is most remembered for her nearly quarter-century at WNBC as an anchor and reporter.
Since leaving the business a decade ago, Jenkins wrote a book and started formulating a second one.
"I thought I was going to have this grand producing career," Jenkins admits. "My timing wasn't [good]. I started trying to do documentaries just as reality television [took off]."
But her pet project was being a founding president of the Women's Media Center.
Always an advocate for more women in newsrooms, Jenkins had the perfect forum for her cause.


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Municipal Water & Wastewater Treatment Plants
UEM experience includes designing new plants as well as renovating and expanding older ones for municipalities from compact water and wastewater sewage treatment plants, to full scale large plants.
Drinking Water Treatment plants include from Aquifer, Reservoir, Desalination and Sewage Treatment plants for small and large facilities.
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Home ›
Players Number:33
Hometown:Oakland, Calif.
Previous School:South Mountain CC
2013: Flores pitched and was a utility player for one season at Gateway Community College in Phoenix, Ariz.
2012: Flores played one season at South Mountain Community College.
High School: Before college, Flores played for Tempe High School.
Major: Phys. Ed.
Interesting Fact: Is the tallest member of his family


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Trick or treat. Smell my feet. Give me something good to eat. Just leave the poisoned candy and razor-blade apples in the pantry.
This Halloween, as all Halloweens, we should take extra precautions to be safe. While it's the biggest, bestest holiday for the kiddos, it's also open season for creeps, pervs, thieves and vandals. Here are a few tips we've cobbled together to ensure you have a safe and happy Halloween.
- Trick-or-treaters should always have adult supervision, even if they are traveling with a group of friends.
- Be aware of your surroundings at all times; be familiar with the neighborhood you plan on visiting.
- Avoid poorly-lit areas and homes of people you do not know.
- Avoid displaying your valuables or electronic devices.
- Thieves will use this holiday to hide behind a mask to commit crimes.
- Do not use your cellphones when crossing streets.
- Place emergency identification information discreetly inside clothing of small children, in case of accidental separation.
- Halloween treats should only be consumed if they are packaged appropriately in their original, unopened packages. Avoid homemade or unpackaged treats.
- Avoid hallways and deserted areas that are dimly lit.
- Do not enter a stranger's home or car.
- Walk on the sidewalk and not in the street.
- Do not wear costumes that block your view.
- Do not wear clothing or accessories that suggest that you are affiliated with a gang.
- Carry flashlights and wear reflective clothing at night.
- Explain to children of all ages the difference between tricks and vandalism which could be a criminal offense.
If you feel that you are in any kind of danger, look for houses of worship, stores or places of business where you can go in case of an emergency, and where you can access help and information. Try not to be alone at any time.
As usual, one more: if you're the parent of a teenager in Gerritsen Beach, lock up the hammers and potatoes this year.


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Genealogy / family tree
Gertrude RAINEY
John William RAINEY
Samuel RAINEY
Eileen RAINEY
Samuel RAINEY
RE: any link? [Tuesday 6 January 2009]
Not sure there is a connection, but you never know [Wednesday 24 December 2008]
RAINEY [Saturday 20 December 2008]
RE: any link? [Saturday 20 December 2008]
RE: Clarke family Ireland [Friday 6 February 2004]
RE: any link? [Sunday 11 January 2004]
Clarke family Ireland [Tuesday 30 December 2003]
RE: any link? [Wednesday 5 November 2003]
I noticed someone searching for Clarke and Rainey the other day [Wednesday 5 November 2003]
any link? [Saturday 25 October 2003]
Paul Clarke's blog - I live and work in Seabrook near Folkestone, Kent. wed to Clare and father to Harry and Tommy, I am a web dev, and I do javascript, nodejs, php, and ruby. I like Folkestone Gerald, pubbing, restaurants, home automation and other diy jiggery-pokery, history, genealogy, TV, popbitch, squirrels, pirates ☠, and time travel...
Searching for something on my site? Not found it? Try here:


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Flow (Csíkszentmihályi)
Summary: Flow is an optimal psychological state that people experience when engaged in an activity that is both appropriately challenging to one's skill level, often resulting in immersion and concentrated focus on a task. This can result in deep learning and high levels of personal and work satisfaction. Originators & proponents: Mihály Csíkszentmihályi Keywords: anxiety/stress, challenge level, creativity, engagement, expertise, happiness, immersion, flow, focus, learning, motivation, satisfaction, self-regulation, skill level Flow (Csíkszentmihályi) Flow is one of eight mental states...read more
Situated Cognition (Brown, Collins, & Duguid)
Summary: Situated cognition is the theory that people's knowledge is embedded in the activity, context, and culture in which it was learned. It is also referred to as "situated learning." Originators & proponents: John Seely Brown, Allan Collins, Paul Duguid Keywords: activity, authentic domain activity, authentic learning, cognitive apprenticeship, content-specific learning, context, culture, everyday learning, knowledge, legitimate peripheral participation, socio-cultural learning, social construction of knowledge, social interaction, teaching methods Situated cognition...read more
Cognitive Theory of Multimedia Learning (Mayer)
Summary: A cognitive theory of multimedia learning based on three main assumptions: there are two separate channels (auditory and visual) for processing information; there is limited channel capacity; and that learning is an active process of filtering, selecting, organizing, and integrating information. Originator: Richard Mayer Key terms: dual-channel, limited capacity, sensory, working, long-term memory Cognitive Theory of Multimedia Learning (Mayer) The principle known as the "multimedia principle" states that "people learn more deeply from words and pictures than from...read more
Cognitive Load Theory of Multimedia Learning (Sweller)
Summary: A theory that focuses the load on working memory during instruction. Originators and proponents: John Sweller Keywords: cognitive load theory, working memory, multimedia learning Cognitive Load Theory of Multimedia Learning (Sweller) John Sweller's paper, "Implications of Cognitive Load Theory for Multimedia Learning" describes the human cognitive architecture, and the need to apply sound instructional design principles based on our knowledge of the brain and memory. Sweller first describes the different types of memory, and how both are interrelated, because schemas held in...read more
Cognitive Apprenticeship (Collins et al.)
Summary: Cognitive Apprenticeship is a theory that attempts to bring tacit processes out in the open. It assumes that people learn from one another, through observation, imitation and modeling. Originator: Collins, Brown and Newman Key Terms: Modeling, coaching, scaffolding, articulation, reflection Cognitive Apprenticeship Around 1987, Collins, Brown, and Newman developed six teaching methods — modeling, coaching, scaffolding, articulation, reflection and exploration. These methods enable students to cognitive and metacognitive strategies for "using, managing, and discovering...read more
Summary: The cognitivist paradigm essentially argues that the "black box" of the mind should be opened and understood. The learner is viewed as an information processor (like a computer). Originators and important contributors: Merrill -Component Display Theory (CDT), Reigeluth (Elaboration Theory), Gagne, Briggs, Wager, Bruner (moving toward cognitive constructivism), Schank (scripts), Scandura (structural learning) Keywords: Schema, schemata, information processing, symbol manipulation, information mapping, mental models Cognitivism The cognitivist revolution replaced behaviorism in 1960s...read more


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|A friend and I are considering going to the Show this May. I have always wanted to go but want to be sure it is worth the cost. I am a gardner as well but nothing to the extinct of others. I find the Georgia red clay a real challenge but adapting. Anyway, if any of you that have been could give me some insight I would appreciate it. Are there other gardens that are as good? How long does it take to see most of the Chelsea gardens? Any help will be appreciated.
Follow-Up Postings:
- Posted by bill_zone6 W. Pa (My Page) on Wed, Jan 11, 06 at 18:15
|Hi spage1, It has been a few years ago when we went to Chelsea. The lines are long; tickets are over sold. But well worth the effort to see the grand presentation.
If you are considering Chelsea, then you are really talking of London and its surrounds. London is a terrific vacation, thou a bit expensive. The trains, buses, and underground give the locale an easy place to visit. But be sure to purchase your travel passes before leaving (see internet). "Cheap Sleeps" can locate you an adequate bed and breakfast. "Cheap Eats" can show you where the food is fair, well prepared, and plentiful.
Museums art galleries, palaces, river excursions, London has it all.
The Chelsea Physic Garden (or a name close) is wonderful but may be busy with the show. And there is always Kew, a short boat ride up river. How about a day by train to Sissinghurst Manor? The possibilities are endless.
Please report back, all will be pleased to hear of your adventure.
|My husband and I went last year to the Chelsea Garden Show. I would recommend that you consider joining the Royal Horticulture Society, because then you can get into the show a day earlier and beat the crowds. Also, the RHS has a beautiful garden in Wisley - easy to get to by train. As for the Chelsea Garden Show, there's so much to see that one day is not enough time! Don't forget to wear comfortable shoes, a light jacket and sunglasses! It was a little cloudy and cool in the morning, but then it got sunny and very warm by afternoon. Have a great time!
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Brrr! Any spring break plans being made?
Find a Conversation
Brrr! Any spring break plans being made?
|Tue, 01-22-2013 - 4:48pm
We actually reached single digit temps today, so I started counting down the days until spring break. Where do you usually spend spring break week? Do you have any plans made for this year yet?


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Best Western Cambridge Quy Mill Hotel
Rooms: 42
Reviews - Best Western Cambridge Quy Mill Hotel
Want to see more hotels? View all hotels in Cambridge
Top Local Tips for Cambridge
Great hotel in Cambridge I stay away 3-5 nights a week so want a friendly clean place to stay. This hotel gave me the nicest room I've stayed in for a 3 star hotel. Room 5 has a beautiful real wood four poster bed and plush thick quality drapes on the windows. The bathroom is large with Jacuzzi that take away the days stress. The jewel was the quality of the cooking. The food is wonderful, not too fussy and cooked to perfection. This is my second visit. The first visit I stayed in the annexes which are cabin like rooms with ceilings that go into the wooden rafters. Bit like a skiing cabin. Both times I found the staff friendly and helpful.
Park & Ride Getting to and from Cambridge is easy.The P&R is opposite to the airport, just a few minutes drive along the main highway from the hotel. The frequent shuttle bus service takes you directly into the city centre. Once in the cuty, everything is within walking distance. You won't need a vehicle. You can even rent a bike if you like.
- (hotels)
Other names for Best Western Cambridge Quy Mill Hotel
- cambridge best western
- best western cambridge
- Address: Newmarket Road - Cambridge - England - CB5 9AG - United Kingdom
- (hotels)
Hotels Near Best Western Cambridge Quy Mill Hotel
- Lovell Lodge Hotel Cambridge, England Distance: 4.6 km / 2.8 mi
- Centennial Hotel Cambridge, England Distance: 5.6 km / 3.5 mi
- Best Western Gonville Hotel Cambridge, England Distance: 5.7 km / 3.5 mi
- Helen Hotel Cambridge, England Distance: 5.7 km / 3.5 mi
- Crowne Plaza Cambridge Hotel Cambridge, England Distance: 6 km / 3.8 mi
- Lensfield Hotel Cambridge, England Distance: 6.1 km / 3.8 mi
- Royal Cambridge Hotel Cambridge, England Distance: 6.2 km / 3.8 mi
- Doubletree by Hilton Cambridge Hotel Cambridge, England Distance: 6.5 km / 4 mi
- Holiday Inn Cambridge Hotel Cambridge, England Distance: 7.5 km / 4.7 mi
- Hotel Felix Cambridge, England Distance: 8.1 km / 5 mi
- Swynford Paddocks Hotel Newmarket, England Distance: 9.2 km / 5.7 mi
- Menzies Cambridge Golf Club Hotel Cambridge, England Distance: 13.3 km / 8.3 mi
- The Rutland Arms Hotel Newmarket, England Distance: 14 km / 8.7 mi
- Cadogan Hotel Newmarket, England Distance: 14.1 km / 8.7 mi
- Best Western Heath Court Hotel Newmarket, England Distance: 14.4 km / 9 mi