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The next massive debt bubble to crush the economy – 10 charts examining the upcoming implosion of the student loan market. $1 trillion in student loans and defaults sharply increasing.
- 8 Comment
In the land of predatory bubbles it looks like higher education is now fully caught up in the credit market implosion. In the same debt produced vein as housing, college used to be a relatively cheap bet with decent results in the long-term. Even if you went to public universities and picked up a degree in a field with low job prospects, at least you didn't have the cloud of student loans hanging over your head when you graduated. Today it is a very different ballgame and the mythology behind college is being used to lure people into institutions that are little more than paper mill factories. Even quality institutions are having a harder time justifying tuition and fees that cost upwards of $50,000 per year (or the median household income of an American family). Can the next major crisis come from the student loan market? There is currently close to $1 trillion in student loan debt outstanding. During this crisis most debt sectors contracted except for student loans. Let us examine 10 charts to see why a bubble in student loan debt is about to implode.
Chart #1 – Student loan balance rising
Moody's Analytics came out with a comprehensive analysis of the student loan bubble. The data presented does not add confidence to the problems occurring in higher education. More to the point, it is the way people are financing their college endeavors. Part of the problem is college costs are soaring while incomes are stagnant or falling. So you have graduates coming out with heavier debt burdens and their incomes are much lower. It is a mathematical problem that was destined to cause issues. As the chart above shows, high cost states which already eat deeply into middle class incomes also have the highest student loan balances only doubling the problem in these states.
Chart #2 – New loan originations growing
It is an odd sort of American situation where the economy contracts but the student loan market is exploding. No other country faces this kind of issue. Yet this is symptomatic of our current perpetual bubble banking system that is designed to increase liquidity in all sorts of markets so Wall Street traders can make a buck on suckering the public into more debt from previously secure sectors like housing or even education. Origination volumes are even higher as more people jump into the higher education bubble feet first.
Chart #3 – Student loan balances keep growing
Student loan debt now surpasses total credit card debt in the United States. While you hear horror stories about credit card debt all the time there is very little discussion on the epidemic of student loan debt. The chart above doesn't account for the recent trend and it is very likely that we are quickly approaching $1 trillion in total outstanding student loan debt. Keep in mind that the above chart doesn't cover the total cost of education as you also have many students financing books and other expenses on their credit cards compounding the debt burden.
Chart #4 – Average debt levels
The economic crisis hit in 2007 yet through this time the average student debt levels have increased. This is not a positive development especially when data from the job market is so poor. The fact that more debt is being taken on is troubling for a variety of reasons but one of the most insidious is the fact that many recent graduates are starting to pay on loans with no jobs or jobs that pay just enough to get buy. This is the issue of a low wage capitalism system that has a financial system designed to filter money back to the top one percent through crony politics and protection.
Chart #5 – Higher education enrollments rise
This is where things get dark and remind me of the housing bubble. Historical data for an entire generation showed only home price increases. That is an exceedingly good record. But investment banks and their government colleagues then decided to turn a once safe investment into a casino by using historical trends that just don't justify the modern day irresponsible corruption in our banking system. The same kind of argument is being used for higher education. Pundits point to historical trends but keep in mind, these are trends that occurred in better times when people weren't leaving school with insane amounts of debt and entering the worst job market since the Great Depression. As the chart above shows, enrollments are moving steadily up because of this mythology that is being perpetrated.
Chart #6 – College costs versus other costs
No other sector in our economy has seen costs rise so quickly like those of colleges. Tuition and fees have far outpaced every other sector in our economy even surpassing items like healthcare and housing which is hard to believe. But just like housing, since incomes have gone nowhere for decades people are simply financing the pursuit without looking at the real long-term costs of what they are diving into. Being educated is incredibly important. That goes without saying. But how much is too much when it comes to tuition? There is a difference from a nicely built large home in a good area going for a nice amount of money versus poorly built McMansions selling for levels not justified by incomes in those areas. The same goes for a college education. Just because someone adds a "university" or "college" to their title or institution does not make it worth the money.
Chart #7 – Rise of for-profit enrollments
This is really where a large part of the paper mill action is happening. Many for-profits are simply designed to siphon off money from unknowing students and saddle them with unsupportable debt levels in exchange for a piece of paper that isn't worth it. It is no shock that for-profit enrollment growth shot through the roof with the de-regulation of Wall Street in the late 1990s. Just like subprime loans and exotic financing for-profits are a large player and this only occurred in the last 10 years or so. These institutions have enormous marketing budgets and staff that basically fill out financial aid information for students to exchange paper for paper. This game is going to end and we are starting to see major cracks in the system.
Chart #8 – Default rates at for-profits
Default rates at for-profit institutions are soaring similar to subprime debt in housing. Yet what else do you expect? Employers who are hiring can pick up graduates from name brand schools instead of going with for-profit schools where many simply get a piece of paper with no measurable track record. The default rates are simply a reflection at how extreme the system has become. For-profits are the most egregious problem in higher ed but even name brand schools are having issues with student loan debt levels.
Chart #9 – Default rates to rise
Given the turmoil in the economy default rates are projected to rise. So where does this burden fall? Most of these loans are backed by the government but are issued from banking institutions. Do we have another debt crisis in this sector? I believe we do. Ultimately you will have back breaking student loans that don't allow strategic defaults like strategies being employed in the housing market. So what will students do if they don't have the income to pay these loans off? Who takes these losses? These are things that we will soon find out unfortunately.
Chart #10 – Employment by education level
Source: Business Insider
The chart above again reflects this recent trend. A 4-year degree no longer protects you with secure employment. For the first time in our record keeping history do we have over 4 percent of those with a 4-year degree unemployed (roughly 1 out of 4 working Americans has a bachelor's degree or higher). Yet recent graduates have it much worse. This figure will soar as many more paper mills push out graduates with very little real world employment prospects.
We can see where this higher education bubble is going but in the meantime, you have investment banks and those connected in the government making money hand over fist on the exploitation of working and middle class Americans. I think many Americans are being educated for free on how the system is currently rigged.
8 Comments on this post
Nick said:
Sad to see greed and profligate spending extending from Wall St to our higher education systems.
We need to consider European nations' systems where vocation/occupational training provide better (i.e. more cost effective) options than traditional universities
August 11th, 2011 at 2:21 am -
Mike said:
The only solution is the way long overdue…REVOLUTION…
August 11th, 2011 at 2:53 pm -
Talmage Murray said:
The college loan market will collapse it is a matter of time.The college education is not worth the money and the diploma is not worth the paper it is printed on.The america people have been lied to by the us government leaders the last 100 years.What is government doing in education?
August 12th, 2011 at 1:31 am -
Arianwen said:
I doubt student loans will be the next crisis as they can't be discharged in bankrupcy. We might see riots or other displays of frustration, but if loans default students get hit with fees and interest on those fees for decades with no end. They will spend the rest of their lives paying off a debt that will never get repaid in full. But they can't cause a crisis because the loan remains on the bank's books till there's a death certificate. The industry made sure of that.
August 12th, 2011 at 8:44 am -
Jose said:
Strategic default of student loans is possible, but it requires some creativity.
While yu can't default on student loans, with such free-wheeling access to credit, you can pay off your student loans and stick it to the banks on the other end.
If you can't afford your student loans you should start putting expenses on credit cards, pay down the student loans, and hit the bankruptcy reset button.
August 12th, 2011 at 3:09 pm -
Norm said:
Majors in art, psychology, history, or philosophy are useless in the job market.
Pick something with a future.August 13th, 2011 at 7:04 am -
Osiris said:
My 50k for B.S. in psychology and some clinical grad school is getting me nowhere. I graduated magna cum laude, and the best I could land is 24k/ year. This is bull. We need to stop pushing this "go to college no matter what" crap on our high schoolers. It does not pay off. There are no opportunities out there for graduates, and even degrees for fields like public accounting have such high burnout rates that they aren't really a safe bet either. Honestly, I work in a therapeutic mental health setting, and my student loans are causing me to contemplate an early demise.
March 26th, 2012 at 9:39 pm -
jake said:
The reality is this: Colleges and Universities (not ones like University of Phoenix which many believe are paper mills) are supporting the infrastructure and not the students. Look at what the Presidents of the Universities are paid and their benefits: a Disgrace!!! Students do not have to pay for rich lifestyles of University Presidents, this should be the first cut. These jobs have always been about truly being dedicated to the students and not to your own lifestyle. Second, look at the Free tuition those who work for the university, including professors children and even the janitors get. This is a disgrace. No FREE tuition that students subsidize. Then look at the twenty years to retirement. No retirement for anyone especiallyprofessors before forty years. Professors get sabbatical every seventh year and summers and all holidays off; hardly a tough schedule. Make them work for Forty years as was always the case until the communists started rewarding themselves at our children's expenses. Then lastly, where is a lawsuit over the cost of college books? A college education is vital to an ability to think. It is not a quid pro quo for a job. We need thinkers not just shoe makers.
May 19th, 2012 at 7:16 am


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- 2015
2014 Porsche 911
- 2013 Porsche 911
- Repairs Porsche 911
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See the full 2014 Porsche 911 specs »

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Hi all...I am thinking about bringing my father home from the nursing home and caring for him myself. In order to offset the costs of an around-the-clock sitter who will be required to help me, I am considering taking in another elderly individual for daycare. We don't have an adult daycare in our area and I understand that it is something in great demand. My father does not require skilled care--I only need help with getting him up and changing his diaper, so it would be feasible to have another person with us during the daytime. I've done quite a bit of research and determined that I don't need any type of licensing, and I will be selective about who I choose to make certain it is someone that we can safely care for.
Is anyone else out there doing this or have you tried it? Thanks! Mary |
Follow-Up Postings:
- Posted by agnespuffin (My Page) on Mon, Oct 23, 06 at 12:59
You may not need a license, but be very sure that you have insurance coverage to cover this sort of thing. I am thinking that if the other patient was injured in some way, you would be in a bad position as most Home Insurance policies would not cover someone that was kept for a fee on a regular basis. They would not be considered a guest in your house. If their condition was to worsen after staying with you, some families would love to take you to court for whatever they could get. Be sure to get your lawyer to draw up some sort of waiver that the family would sign beforehand. |
For liability reasons and self protections you need to be licensed by the county and or state and insured for home health care before you take in a person. The I's need to be dotted and the T's crossed one hundred and twenty ways to Sunday. If the person you take in falls or gets bed soars or who knows, you need to be insured for home health care or be ready to handle medical expenses out of your pocket. What I and every other care giver can tell you is that one at home is enough. Taking care of the eldery or sick isn't like taking care of kids. Kids are easy. |
- Posted by agnespuffin (My Page) on Tue, Oct 24, 06 at 9:29
Another thing to be aware of is that in handling the elderly, it's not at all unusual for an aide to receive back or other strains. You would be liable for their medical treatment too. Your Home Owners insurance wouldn't cover that either. You should set up a regular payroll account so that anyone that's hurt on the job, even a little injury, will be covered by Workman's Compensation. Your accountant will be able to do all the paperwork involved and make the required reports. Check with him/her before you go into this. Keeping other people in your home is a lot more involved than just getting someone in to help you. |
- Posted by stargazzer (My Page) on Fri, Oct 3, 08 at 22:55
It's a terrible responsibility, one I would not take on. If the person gets sick or dies you could be sued and lose everything you have. I baby sat a small girl when I was younger, she was fine and all of a sudden she had a raging fever and a seizure. Liked to have scared me to death. I quit baby sitting and haven't done it for anyone except grandchildren. |
I think you could be a real lifesaver to another person with an elderly parent, and if you can get insurance, I dont see why you shouldnt do it. Also, at the risk of getting flamed on this, it is pretty easy to do a public background check on the potential client and the adult children he or she is living with -- as to whether and how often they have sued people. It would give you an idea of how "sue-happy" they are. |
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The Landowner's Gift Premieres at Grace Lutheran in
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Benton C. Strain, 87 of Madison formerly of Minter City died Sunday, June 8, 2014 at Hospice Ministries in Ridgeland. Services were at 11 a.m. Tuesday, June 10, 2014 at North Greenwood Baptist Church. Visitation was from 10:00 a.m. to 11 a.m. in the church parlor. Interment was in Odd Fellows Cemetery in Greenwood with Dr. Jim Phillips officiating.
Mr. Strain was born February 21, 1927 in Poplar Creek to Hosea and Hazel Strain. He was a native of Montgomery County and graduated from Minter City High School. He continued his education at Mississippi State University where he obtained a degree in Business Administration, Banking and Finance. He served in the United States Army in World War II.
Mr. Strain worked for eleven years at Billups Petroleum Company as an assistant manager, he farmed for twenty-six years in Minter City, and for eleven years he worked for the Department of Human Services. He was a former member of Sunnyside Lions Club and a member of the American Legion. He was a former member of North Greenwood Baptist Church where he served as a deacon and a Sunday school teacher. He was preceded in death by his parents, two brothers Eldwin Doye Strain and Hosea C. Strain, Jr. and his sister Peggy Marie Ellington.
Mr. Strain is survived by his wife of sixty-six years Patricia "Pat" Ferguson Strain of Madison; daughter, Danice S. Miller of Gluckstadt; son Benton C. Strain, Jr. of Madison; five grandchildren and ten great grandchildren.
Pallbearers were Benton C. Strain, III, Chandler Strain, T.C. Britt, III, Jon Kane and Ralph Edwards. Honorary pallbearers were Rusty Gibson, Ronnie Gibson, Joseph Nassar, Jack Sutphen and Ronnie Moss.
Memorials may be made to North Greenwood Baptist Church.
An online guestbook may be signed at www. wilsonandknight.com.


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sheye wrote:As far as the big boobs sandra Its been more of a curse than a blessing.
I remember in highschool being envious of this very flat chested girl. She had such a nice boyfriend,and I thought that he must really love her for what she truly was . I on the other hand had guys in grade 12 calling me for a date when i just got into highschool at grade 9. It was creepy to have some guy you had no idea who he was calling you for a date... when you had a pretty good idea why.
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Josiah's good reign, His care for repairing the temple, The book of the law found. (1-10) Josiah consults Huldah the prophetess. (11-20)
Verses 1-10 The different event of Josiah's early succession from that of Manasseh, must be ascribed to the distinguishing grace of God; yet probably the persons that trained him up were instruments in producing this difference. His character was most excellent. Had the people joined in the reformation as heartily as he persevered in it, blessed effects would have followed. But they were wicked, and had become fools in idolatry. We do not obtain full knowledge of the state of Judah from the historical records, unless we refer to the writings of the prophets who lived at the time. In repairing the temple, the book of the law was found, and brought to the king. It seems, this book of the law was lost and missing; carelessly mislaid and neglected, as some throw their Bibles into corners, or maliciously concealed by some of the idolaters. God's care of the Bible plainly shows his interest in it. Whether this was the only copy in being or not, the things contained in it were new, both to the king and to the high priest. No summaries, extracts, or collections out of the Bible, can convey and preserve the knowledge of God and his will, like the Bible itself. It was no marvel that the people were so corrupt, when the book of the law was so scarce; they that corrupted them, no doubt, used arts to get that book out of their hands. The abundance of Bibles we possess aggravates our national sins; for what greater contempt of God can we show, than to refuse to read his word when put into our hands, or, reading it, not to believe and obey it? By the holy law is the knowledge of sin, and by the blessed gospel is the knowledge of salvation. When the former is understood in its strictness and excellence, the sinner begins to inquire, What must I do to be saved? And the ministers of the gospel point out to him Jesus Christ, as the end of the law for righteousness to every one that believeth.
Verses 11-20 The book of the law is read before the king. Those best honour their Bibles, who study them; daily feed on that bread, and walk by that light. Convictions of sin and wrath should put us upon this inquiry, What shall we do to be saved? Also, what we may expect, and must provide for. Those who are truly apprehensive of the weight of God's wrath, cannot but be very anxious how they may be saved. Huldah let Josiah know what judgments God had in store for Judah and Jerusalem. The generality of the people were hardened, and their hearts unhumbled, but Josiah's heart was tender. This is tenderness of heart, and thus he humbled himself before the Lord. Those who most fear God's wrath, are least likely to feel it. Though Josiah was mortally wounded in battle, yet he died in peace with God, and went to glory. Whatever such persons suffer or witness, they are gathered to the grave in peace, and shall enter into the rest which remaineth for the people of God.
2 Kings 22:1 2 Kings 22:2 . JOSIAH'S GOOD REIGN.
1, 2. Josiah was eight years old when he began to reign--Happier than his grandfather Manasseh, he seems to have fallen during his minority under the care of better guardians, who trained him in the principles and practice of piety; and so strongly had his young affections been enlisted on the side of true and undefiled religion, that he continued to adhere all his life, with undeviating perseverance, to the cause of God and righteousness.
2 Kings 22:3-7 . HE PROVIDES FOR THE REPAIR OF THE TEMPLE.
3, 4. in the eighteenth year of king Josiah--Previous to this period, he had commenced the work of national reformation. The preliminary steps had been already taken; not only the builders were employed, but money had been brought by all the people and received by the Levites at the door, and various other preparations had been made. But the course of this narrative turns on one interesting incident which happened in the eighteenth year of Josiah's reign, and hence that date is specified. In fact the whole land was thoroughly purified from every object and all traces of idolatry. The king now addressed himself to the repair and embellishment of the temple and gave directions to Hilkiah the high priest to take a general survey, in order to ascertain what was necessary to be done
2 Kings 22:8-15 . HILKIAH FINDS THE BOOK OF THE LAW.
8-11. Hilkiah said . . . I have found the book of the law in the house of the Lord, &c.--that is, the law of Moses, the Pentateuch. It was the temple copy which, had been laid ( Deuteronomy 31:25 Deuteronomy 31:26 ) beside the ark in the most holy place. During the ungodly reigns of Manasseh and Amon--or perhaps under Ahaz, when the temple itself had been profaned by idols, and the ark also ( 2 Chronicles 35:3 ) removed from its site; it was somehow lost, and was now found again during the repair of the temple [KEIL]. Delivered by Hilkiah the discoverer to Shaphan the scribe ( 2 Kings 22:8 ), it was by the latter shown and read to the king. It is thought, with great probability, that the passage read to the king, and by which the royal mind was so greatly excited, was a portion of Deuteronomy, the twenty-eighth, twenty-ninth, and thirtieth chapters, in which is recorded a renewal of the national covenant, and an enumeration of the terrible threats and curses denounced against all who violated the law, whether prince or people. The impressions of grief and terror which the reading produced on the mind of Josiah have seemed to many unaccountable. But, as it is certain from the extensive and familiar knowledge displayed by the prophets, that there were numbers of other copies in popular circulation, the king must have known its sacred contents in some degree. But he might have been a stranger to the passage read him, or the reading of it might, in the peculiar circumstances, have found a way to his heart in a manner that he never felt before. His strong faith in the divine word, and his painful consciousness that the woeful and long-continued apostasies of the nation had exposed them to the infliction of the judgments denounced, must have come with overwhelming force on the heart of so pious a prince.
12-15. the king commanded . . . Go, inquire of the Lord for me, &c.--The agitated feelings of the king prompted him to ask immediate counsel how to avert those curses under which his kingdom lay; and forthwith a deputation of his principal officers was sent to one endowed with the prophetic spirit.
Ahikam--a friend of Jeremiah ( Jeremiah 26:24 ).
14. Achbor--or Abdon ( 2 Chronicles 34:20 ), a man of influence at court ( Jeremiah 26:22 ). The occasion was urgent, and therefore they were sent--not to Zephaniah ( Zephaniah 1:1 ), who was perhaps young--nor to Jeremiah, who was probably absent at his house in Anathoth, but to one who was at hand and known for her prophetic gifts--to Huldah, who was probably at this time a widow. Her husband Shallum was grandson of one Harhas, "keeper of the wardrobe." If this means the priestly wardrobe, [Harhas] must have been a Levite. But it probably refers to the royal wardrobe.
she dwelt . . . in the college--rather, "in the Misnah," taking the original word as a proper name, not a school or college, but a particular suburb of Jerusalem. She was held in such veneration that Jewish writers say she and Jehoiada the priest were the only persons not of the house of David ( 2 Chronicles 24:15 2 Chronicles 24:16 ) who were ever buried in Jerusalem.
15-20. she said unto them, Thus saith the Lord God of Israel, Tell the man that sent you to me--On being consulted, she delivered an oracular response in which judgment was blended with mercy; for it announced the impending calamities that at no distant period were to overtake the city and its inhabitants. But at the same time the king was consoled with an assurance that this season of punishment and sorrow should not be during his lifetime, on account of the faith, penitence, and pious zeal for the divine glory and worship which, in his public capacity and with his royal influence, he had displayed.


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At Anderson, it is important to us to recognize our generous donors. We understand that you have made choices – and sacrifices – to share with others. There are many ways we work to recognize your gifts to Anderson University:
A minimum level to establish a named endowed scholarship is currently $10,000. This can be established with an initial gift or through a commitment of intent to make a gift (payable over a period of time). Often, endowed scholarships are created through one's will or other planned gift.
Donors are recognized for contributions received during the university's fiscal year, June 1 – May 31, at the following gift levels:
Honorees receive key information from the university, and the President's level and up are honored during the Annual President's Appreciation Dinner and Gala.
Individual donors are recognized for cumulative giving to Anderson University that exceeds $100,000 – the amount of money originally raised to help in the school's founding in 1911. Honorees are invited to special events on the campus each year.
Including a gift to Anderson in any portion of your estate planning – through your will, trust, insurance policy, retirement plan, annuity or another method – qualifies for membership in the Guardian Society. If you have made provisions of this type for Anderson, please notify the Advancement Office. Periodic events are planned to honor those who are providing these future legacy commitments.
New Student Center and Dining Commons – There are multiple naming opportunities with this current capital project. Click for additional information and suggested naming gift levels.
Development of our Athletic Campus – There are multiple naming recognition areas with our inter-collegiate athletic venues being developed on our athletic campus (the old Anderson County Fairgrounds). Please contact our Advancement Office to find out more about our proposed new athletic facilities.


text: TOP 10 Top 10 Dating Top 10: Ways To Attract Sexy Women Back to Top ▲ Top 10: Ways To Attract Sexy Women 8 Be exciting to sexy women online Share on Facebook Share on Twitter 0 Shares iStockphoto.com Sexy women get 50 e-mails from guys every day. If you want to stand out, you need to make fun of them. Instead of writing the typical "You sound very interesting, we have a lot in common…" try something like "Hey, I don't think that this picture is really you. What, did you go to the mall and get one of those glamour shots done or something? Do you have a real picture? Like you at home on your Stairmaster or something? Or do you even work out? OK, stop trying to fool all of us guys and let's see what you really look like." Nice is boring, and it's never more boring than when it's online -- in a place where there are a million other "nice" guys who have zero personalities chasing after her. Next Page TOP 10 9 8 7 6 5 4 3 2 1 Comments Show Comments More Like This Promoted Around the Web Special Features


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ChordsChords v2TabsTabs v2
Basic strum pattern: D DUDU Intro: DD DU DD DUDUDU DD Capo: none, but I like to play capoed at 2nd fret G Em Come gather 'round people C G Wherever you roam G Am And admit that the waters C D Around you have grown G Em And accept it that soon C G You'll be drenched to the bone. G Am If your time to you D Is worth savin' G D7 Then you better start swimmin' C D Or you'll sink like a stone G C D G For the times they are a-changin' G Em Come writers and critics C G Who prophesize with your pen G Am And keep your eyes wide C D The chance won't come again G Em And don't speak too soon C G For the wheel's still in spin G Am And there's no tellin' who D That it's namin' G D7 For the loser now C D Will be later to win G C D G For the times they are a-changin' Comments
Popular Bob Dylan tabs & chords Song lyrics
↑ Back to top | Tablatures and chords are parodies/interpretations of the original songs. You may use it for private study, scholarship, research or language learning purposes only |


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"Best of Hawaii" 2009: Our favorite Hawaii snacks
by: Derek Paiva and HAWAII Magazine staffposted: Wed Sep 30, 2009 at 12:48 AM
Editorial Staff Pick:
When you love musubi, you don't stop at Spam, white rice and crisp, dried seaweed. There are infinite ways to make our favorite between-meal treat. Fried-rice musubi—with Spam, Portuguese sausage, bacon, green onions and egg—is a staff breakfast favorite. It's easy to find teriyaki chicken, or beef musubi, even tempura musubi. One popular Honolulu lunch shop, Mana Bu, makes musubi and only musubi—more than 30 different varieties daily. Selections include shiso and wakame, veggie curry pilaf, hijiki seaweed, teriyaki and more.
Mana Bu, 1618 S. King St., Honolulu, Oahu, (808) 358-0287
Check out these related HawaiiMagazine.com posts:
Your Top 5 favorite Hawaii snacks: Our HAWAII Magazine Facebook poll results
Hawaii Chef's Choice: Favorite ahi poke and Portuguese Bean Soup recipes
Top 5 favorite Hawaii snacks: HAWAII Magazine Facebook poll results


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Hi everyone,
I've recently started decorating cakes with fondant and for the past 5 months have been accepting any order I can get from friends just so I can practice and build my portfolio, charging just a small amount, enough to cover ingredient cost and a little extra for labor.
My question is: How would you respond to a friend who keeps criticizing you for the minimal fee you charge other clients but she herself always hint on a discount when she's ordering from you? Recently she even attempted on getting my cupcakes on credit and insisted on my making her daughter a two tiered birthday cake but hinted that I price it the same as another cake I made for someone we both know (I priced that cake low because the design was not all that difficult to make; for her daughter she wants a mermaid cake.) I'm starting to feel being taken advantage of. She's been a regular client of mine for 3 years and I don't want to lose her biz but with the way she's been acting of late, balking at the mere mention of my upping the price I give her, I'm wondering if I should still continue being chummy with her. How would anyone of you deal with a situation like this?


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Ethan Brown developed an early interest in animals and agriculture while tagging along with his Dad, a professor, farmer, and conservationist who infused his son with a deep appreciation for the natural world. As an adult, Ethan developed a promising career in the clean energy sector where he held positions of increasing leadership responsibility in the private and public sector, including eight years at Ballard Power Systems—the world's leading PEM fuel cell company—where he reported directly to the President & CEO.
Yet Ethan was nagged by a basic question, "would we continue to raise and eat animals in such staggering numbers if a perfect plant-based replication of meat existed?" A committed vegan, he began to look far and wide for a technology that could do just that—take plant-based proteins and re-align them to mimic the mouthfeel, appearance, and overall sensory experience of animal meats. When he met Dr. Fu-hung Hsieh and Harold Huff at the University of Missouri, Ethan knew he was on to something. After several years of collaboration with the University of Missouri, The University of Maryland, Kleiner Perkins Caufield & Byers, and The Obvious Corporation, Beyond Meat was born.
Ethan has an MBA from Columbia University and an MPP from the University of Maryland. He has lived and worked abroad in Bosnia and Nicaragua.
Favorite band: The Rolling Stones
Favorite sports team: Maryland Terrapins Football
Best advice for those moving to plant-based diet: Follow your heart and the rest will follow.


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The Gift of Life, On Demand: Sara ParpartSara Parpart's life was jeopardized by a degenerative bone condition. An organ donor's tissue saved her.
To learn more about organ donation, go to Charter channel 999, then select "I Want More" and "Health and Wellness."
Learn more about The Gift of Life: On Demand
04/23/2008 |


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Printer Prints a Blank Page or Does Not Print Black or Color Ink for the HP Photosmart 5510 e-All-in-One Printer Series
This document is for HP Photosmart 5510 e-All-in-One printers.
The printer is working, but the printed output is missing black or color inks, or the output is blank or has very little ink.
Solution one: Use genuine HP cartridges
HP recommends that you use genuine HP cartridges. HP cannot guarantee the quality or reliability of non-HP cartridges or refilled HP cartridges. If you do not use genuine HP cartridges, the following solutions might not resolve your print quality issue.
Which cartridges you use might depend on your country/region. Follow these steps to purchase cartridges or check cartridge compatibility for your printer using HP SureSupply.
- Go to HP SureSupply .
- Scroll to the bottom of the page and make sure that the country/region location is correct.
NOTE:For the United States only, go to the
HP Home & Home Office Store
Genuine HP cartridges can also be purchased from other retailers.
Solution two: Check the estimated ink levels, and then replace any low or empty cartridges
Low ink can contribute to poor print quality. Follow these steps to check the ink levels, and then replace any low or empty ink cartridges.
Step 1: Check estimated ink levels
Follow these steps to check the estimated ink levels.
NOTE:Ink level warnings and indicators provide estimates for planning purposes only. When an indicator shows low-ink levels, consider having a replacement cartridge available to avoid possible printing delays. You do not need to replace cartridges until print quality becomes unacceptable.
- If none of the cartridges are low on ink, you do not need to replace them yet. Continue to the next solution.
- If any of the cartridges are low on ink, continue to the next step to replace them.
Step 2: Replace any low or empty ink cartridges
Follow these steps to replace low or empty ink cartridges.
- If the product is off, press the Power button () to turn on the product. Wait until the product is idle and silent before continuing.
- Open the cartridge access door. The carriage moves to the access area.
- Press the tab on the front of the cartridge inward to release it, and then pull up on the cartridge to remove it from the slot.
- Remove the plastic wrap from a new cartridge by pulling the orange tab.Figure 4: Remove the plastic wrap from a new cartridgeCAUTION:Make sure that you remove the orange pull-tab and plastic wrap completely before you twist the orange cap in the next step. Otherwise, ink might leak from the cartridge. When you remove the plastic wrap, the paper label on the top of the cartridge tears slightly, which is necessary to vent the cartridge.
- Remove the orange cap from the cartridge. Twist the cap counter-clockwise until it snaps off.
- With the nozzle and the contacts facing down, push the cartridge into its slot. Press down on the cartridge until it is firmly seated. Make sure that the color icon on the cartridge label matches the color icon on the slot.
- Repeat these steps to insert the other cartridges.
- Close the cartridge access door.
Solution three: Make sure that the ink cartridges are properly vented and seated correctly
If the vent on the top of the ink cartridge is clogged or obstructed, the ink cartridge might not work properly. Follow these steps to make sure that the ink cartridges are properly vented and seated correctly.
- Press the Power button to turn on the printer, if it is not already on. Wait until the printer is idle and silent before you continue.
- Open the ink cartridge access door. The carriage moves to the access area.
- Press the tab on the front of the black ink cartridge inward to release it, and then pull up on the ink cartridge to remove it from its slot.Figure 9: Remove the ink cartridge from its slot
- Examine the vent area above the HP logo on the top of the ink cartridge.
- If the ink cartridge still has the orange pull-tab attached, pull to remove it.
- If the vent is clogged, use a straight pin to gently remove excess adhesive from the vent.
- With the nozzle and contacts facing down, slide the ink cartridge into its slot. Press down on the ink cartridge until it clicks into place.NOTE:Make sure that each ink cartridge is installed in the correct slot. Match the shape of the icon and the color of the ink cartridge with the slot that has the same shaped icon and color.
- Repeat these steps to inspect the vents on each of the ink cartridges.
- Make sure that each ink cartridge is firmly in place in its slot. Run your finger along the top of the ink cartridges to feel for any that are protruding, and if any are, press down firmly until each ink cartridge snaps into place.
- Close the ink cartridge access door.
- Try the print job again.
Solution four: Clean the printhead
Follow these steps to clean the printhead.
NOTE:Never turn off the printer when cartridges are missing. Make sure that you replace any missing cartridges as soon as possible to avoid print quality issues and possible extra ink usage or damage to the ink system. To avoid issues that require cleaning the printhead, always turn the printer off with the Power button on the printer itself.
- Make sure that plain white U.S. letter or A4 size paper is loaded in the tray.
- From the control panel home screen, touch the Right Arrow (), and then touch the Setup icon ().
- Touch Tools, and then touch Clean Printhead. The printer cleans the printhead, and then prints a test page.
- Review the print quality on the test page.Figure 15: Example of print quality test page
NOTE:If the printhead is badly clogged, you might need to clean the printhead several times to restore normal print quality. If a second cleaning is required, wait 30 minutes before cleaning again.
Solution four: Service the printer
Contacting HP for service in all countries/regions except Asia Pacific.
If you have completed all the preceding steps and are still experiencing a problem, service the product.
Determine if your product is in warranty or out of warranty. If you need help determining your product's warranty status, go to
HP's Warranty Check Tool
- If your product is in warranty, Contact HP to obtain service.
- If your product is out of warranty, Contact HP to find an authorized service provider or to setup service (fees might apply).
NOTE:Keep a print sample that shows the problem. If the ink cartridges, printhead, or printer is replaced under warranty, the support agent will request the print sample. If the printer is returned to HP, the print sample must be returned with the printer. Place the sample in the output tray when you package your printer for shipping.
Related support links
HP Support forums
Find solutions and collaborate with others on the HP Support Forum


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Facts About Liposuction Compared to a "Tummy Tuck"
Choosing between liposuction and a tummy tuck can be a difficult decision. Depending on who you speak to, there are many differing opinions on the matter. As with any procedure, there are pros and cons that must be considered. Below are a few facts regarding liposuction and tummy tuck to help you make the decision that is right for you.
Liposuction Only – No Tummy Tuck
Liposuction Compared To Tummy Tuck
- Removes large volumes of fat
- Skin retracts to about the same tightness as before liposuction, but with decreased volume.
- Procedure can be done under local anesthetic while you are awake.
- Liposuction can be done in a comfortable office setting, vs. hospital
- Clothes fit better
- Minimal downtime
- Minimal scarring
- Easy recovery
- Affordable choice
- Excess skin is removed
- Some stretch marks are removed with skin
Tummy Tuck Cons
- Requires general anesthesia
- Higher risk of complications
- Requires hospital stay
- Large scar from hip to hip
- Difficult recovery and long downtime
- Minimal fat is removed
- Abnormal looking belly button with scar around this area
- Requires drains left in wound
- Very painful
- "Dog ear deformity" is a pouching out of the skin around the hips that is very common with tummy tuck.
- Very expensive
After A Tummy Tuck Surgery – Large Hip-to-Hip Scar and Surgical Drains
At MyShape Lipo, many of our patients are deciding between liposuction and tummy tuck. We get a lot of patients that have already had tummy tuck and are not happy with the amount of fat that was left behind. Although many plastic surgeons claim to do liposuction with a tummy tuck, it's not recommended to do extensive liposuction as it may decrease the blood supply and healing potential of the large wound on the abdomen.
Choose Liposuction
With liposuction, we are able to remove large volumes of fat from the abdominal area. This will significantly reduce your waist size and allow you to fit better into your clothes. The procedure can safely be done while you are awake in our comfortable office setting and you will walk out of our office. If you choose to have your skin cut away with a tummy tuck, the results will be much better since your fat has already been removed. Although most of our patients choose not to have a tummy tuck after liposuction because they are happy with the results of liposuction. Since liposuction is done in an office, and doesn't require general anesthesia, the cost is significantly less than a tummy tuck. If you have more questions, our staff is happy to assist.
Disclaimer: Individual results may vary, please consult with specialist before making important medical decisions, this website does not guarantee the accuracy, timeliness or completeness of such content and materials. Results are dependent on the individuals own unique bodily limitations. A consultation is recommended in order to provide individual expectations.


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The Screwtape Letters
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Format: Paperback Number of Pages: 160 Vendor: HarperOne Publication Date: 2001 | Dimensions: 8 X 5 (inches) ISBN: 0060652934 ISBN-13: 9780060652937 Availability: In Stock |
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Publisher's Description
A milestone in the history of popular theology, The Screwtape Letters is an iconic classic on spiritual warfare and the dynamics of temptation.
This profound and striking narrative takes the form of a series of letters from Screwtape, a devil high in the Infernal Civil Service, to his nephew Wormwood, a junior colleague engaged in his first mission on earth, trying to secure the damnation of a young man who has just become a Christian. Although the young man initially looks to be a willing victim, he changes his ways and is "lost" to the young devil.
Dedicated to Lewis's friend and colleague J. R. R. Tolkien, The Screwtape Letters is a timeless classic on spiritual conflict and the psychology of temptation which are part of our religious experience.
Author Bio
Clive Staples Lewis (1898-1963) was one of the intellectual giants of the twentieth century and arguably one of the most influential writers of his day. He was a Fellow and Tutor in English Literature at Oxford University until 1954, when he was unanimously elected to the Chair of Medieval and Renaissance Literature at Cambridge University, a position he held until his retirement. He wrote more than thirty books, allowing him to reach a vast audience, and his works continue to attract thousands of new readers every year. His most distinguished and popular accomplishments include Mere Christianity, Out of the Silent Planet, The Great Divorce, The Screwtape Letters, and the universally acknowledged classics The Chronicles of Narnia. To date, the Narnia books have sold over one hundred million copies and have been transformed into three major motion pictures.
Clive Staples Lewis (1898-1963) fue uno de los intelectuales más importantes del siglo veinte y podría decirse que fue el escritor cristiano más influyente de su tiempo. Fue profesor particular de literatura inglesa y miembro de la junta de gobierno en la Universidad Oxford hasta 1954, cuando fue nombrado profesor de literatura medieval y renacentista en la Universidad Cambridge, cargo que desempeñó hasta que se jubiló. Sus contribuciones a la crítica literaria, literatura infantil, literatura fantástica y teología popular le trajeron fama y aclamación a nivel internacional. C. S. Lewis escribió más de treinta libros, lo cual le permitió alcanzar una enorme audiencia, y sus obras aún atraen a miles de nuevos lectores cada año. Sus más distinguidas y populares obras incluyen Las Crónicas de Narnia, Los Cuatro Amores, Cartas del Diablo a Su Sobrino y Mero Cristianismo.
Editorial Reviews
"This book is sparkling yet truly reverent, in fact a perfect joy, and should become a classic."
"Excellent, hard-hitting, challenging, provoking."
"C.S. Lewis is the ideal persuader for the half-convinced, for the good man who would like to be a Christian but finds his intellect getting in the way."
"Apparently this Oxford don and Cambridge professor is going to be around for a long time; he calls himself a dinosaur but he seems to speak to people where they are."
"[The Screwtape Letters] show[s] his ability to dramatize: to set forth an attractive vision of the Christian life, proceeding by means of character and plot to narrate an engaging story, everything colorful, vibrant, and active."
"C. S. Lewis understood, like few in the past century, just how deeply faith is both imaginative and rational."
Product Reviews
SammycatluverAge: 18-24Gender: female5 Stars Out Of 5Read It :)October 16, 2014SammycatluverAge: 18-24Gender: femaleThis book gives valuble perspective to the battle for our minds.
Shalom, -
Sergio Augusto5 Stars Out Of 5C. S. Lewis does it again!August 21, 2014Sergio AugustoQuality: 5Value: 5Meets Expectations: 5What a marvelous book! Lewis could grasp what most of us Christians tend to forget: the work of the devil in our lives and minds. However, he doesn't do it in a demon-obsessed way nor in a skeptical way as seen in many modern churches, but rather with a well-balanced Bible-based humour-filled writing. This book is a Christian classic and now I know why!
matt633Age: 55-65Gender: male5 Stars Out Of 5January 20, 2014matt633Age: 55-65Gender: maleQuality: 5Value: 5Meets Expectations: 5Just as advertised. Quick ship. Buy here with confidence.
jackhamilton, ohioAge: 55-65Gender: male5 Stars Out Of 5dangerously captivatingJuly 18, 2013jackhamilton, ohioAge: 55-65Gender: maleQuality: 5Value: 5Meets Expectations: 5This insightful exploration of how demons work will make you think and re-think what you do and how you react to others who call themselves "Christian."
JamesMass.Age: 35-44Gender: male5 Stars Out Of 5good bookSeptember 24, 2012JamesMass.Age: 35-44Gender: maleQuality: 5Value: 5Meets Expectations: 5Demon to demon
"The Screwtape Letters" by C.S. Lewis is an interesting book that's 209 pages long. It's a fictitious account of a senior demon writing to a junior demon about one man, the junior demon's "patient".
While I have been a fan of C.S. Lewis and his books for a sometime, believe it or not I have never read "The Screwtape Letters" until now. I have to admit that it took a little bit for me to get into the book but once I was about a quarter of the way through the book it defiantly kept my attention. Each letter is about three pages long which makes it easy to grab and read a letter if you only have a few minutes.
There were many insights I found and some things that made me pause and think long and hard about, things that hit a little too close to home.
The book is not too hard to read but remember it was written by Lewis and he was not an American living in 2012 so some of the words and sayings might not connect but the overall flavor of the book should have its impact on you.
Well worth reading.
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According to a series of tweets from MLB.com's Gregor Chisholm, the Blue Jays opening day lineup will see Jose Bautista start in right field and Edwin Encarnacion play third base, likely meaning that Juan Rivera will be counted on as the team's regular designated hitter to start the season.
When Encarnacion was signed this offseason to his one year guaranteed $2.5 million contract, it was announced that he would be counted on to replace Adam Lind at first base from time to time and act as the team's DH. Despite a reputation for awful defense, E5, as he's not so lovingly known, has always appeared to me to be at least an average fielder, but with absolutely terrible arm accuracy. The National Post's John Lott tweets that the decision to give Encarnacion a shot at redemption was reached because the player came to camp in great shape and showed improvement in his defense throughout Spring Training.
Prior to signing his five year $65 million contract, Jose Bautista, backed by manager John Farrell, made mention on multiple occasions of his preference for playing right field instead of third base. After the deal finally went through, he was a little less candid with his desires.
Bautista's defensive rankings seem to vary quite a lot depending on what metric you're using, but according to his aggregate defensive rating which takes a weighted average of all the most respected metrics, he was minus six runs above average in 982 innings in right field last season. In 393 innings at third base, Bautista also cost his team defensively, scoring a minus one run above average.
Comparatively, Encarnacion showed marked improvement between 2009 and 2010, going from minus eight in 726 innings at third base to a minus one in 841 innings last year. Juan Rivera played only 173 innings of right field last season and broke even in defensive runs above average. He has never had a plus season in right field over his career.
Looking at Encaracion's improvement, the only real surprise to me is that he was ever considered not to be the everyday third baseman on this team. It's somewhat humourous that Bautista carries a better reputation in right field than he likely deserves because of his powerful throwing arm while Encarnacion carries a worse reputation at third base than he deserves because of his terrible throws.
According to Bautista: "I don't always play great defense, but when I do, I prefer right field." He is the most interesting baseball player in the world.
And of course, every chance I get:


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Contact this shelter/rescue group to see their pets for adoption. |
Our Featured Coventry, CT Partner:
CT Dog Rescue,Inc.
Dog adoption saves lives. Adopt a dog and you'll have a friend for life! Contact us, or contact another local humane society, animal shelter or SPCA.
33 Goose Lane Coventry, CT 06238 (860) 742-5664 |
Email: Website: http://CT Dog Rescue, Inc. |
Pets at Our Rescue Group:
Cities, Towns, and/or Counties We Serve:
I serve the State of CT primarily, but have adopted dogs out to people in MA, NY, and RI.About Our Rescue Group:
I am the President of CT Dog Rescue, Inc. and take in, vet, rehabilitate and do necessary training of rescue dogs. They live in my home where I can work with them and evaluate their personalities and behavior. I am the sole handler and careperson. I require references, background checks, personal contact and visits from prospective adopters.Come Meet our Pets:
Pets may be seen at my home by appointment.Our Adoption Process:
There is a signed contract setting forth all requirements, a requested donation and rules and regulatiions particular to this shelter.The requested donation varies with the particular dogs age, needs and physical abilities, along with any special considerations.


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Posted by linnea56 (My Page) on
Wed, Mar 14, 12 at 13:53 Since last night: I cannot get the clickable link to "Post a Message" to work. The one below the green bar on the header, and above the title of the forum. I cannot get any of the top ones to work, so no Search, no Other forums, etc. Which means I cannot originate a thread. I can open any of the threads to read them, but I can not start a new one. This is SO frustrating! I have questions to ask, and it feels like being gagged! Is anyone having this problem? I emailed Garden web, but who knows if I will hear back. This is true for all the forums I normally use, Garden too. Could I have been blocked in some way? I have never tried to sell anything here, so have not violated any rules. If this is sent to you, because I had to add it on to your post on a different topic, I apologize, but replies are my only means of posting right now. Would you please copy and paste it to a fresh message and post it? Thank you! |
Follow-Up Postings:
- Posted by antiquesilver (My Page) on Wed, Mar 14, 12 at 16:39
The top links aren't working on mine, either but it seems to only be on the Antiques Forum. To post, I usually use the place at the bottom of the page & that seems to be viable. |
Thanks, debodun and antique silver!I have found a few forums where I CAN post, but they are all ones I don't use :) |
I'm glad there is more than one option. Funny, I looked for a link at the bottom of the page, even though I knew I had seen this before. THat big box was so large, I almost didn't see it! |
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Tree 'rises' from the dead - 'Resurrection' sparks excitement, fear in St Elizabeth community
Published: Wednesday | August 12, 2009
Residents gather around an ackee tree which has captured the interest of citizens in Burnt Ground, St Elizabeth. - Ian Allen/Staff Photographer
An ackee tree which "miraculously rose from the dead" in the middle of the afternoon last Thursday has left scores of residents of Burnt Ground in St Elizabeth thoroughly mystified.
Awestruck community members, who seemed rooted to the spot where the 'resurrection' is alleged to have taken place, said the tree was felled by the wrath of Hurricane Ivan five years ago. The tree, they said, had lain unprovoked at the same spot where it surrendered to the fury of the winds and rains.
When a Gleaner news team visited Burnt Ground 48 hours later, the tree stood erect, with an intricate network of knobbly roots.
The brown earth around the massive root system had clearly been recently disturbed, an indication that the tree had been uprooted.
Unable to contain their excitement, the villagers came out to tell of the incident that has gripped their little community.
The common theme: Behold a mystery or a miracle! Before their very eyes, the tree rose from its horizontal position of half a decade and stood firm, to the utter amazement of many!
"There was nothing, no earthquake, no breeze," it jus stan up!" one elderly woman declared, as mesmerised as others around her.
"Ten of us couldn't lift it," another chimed in. "It get up an' stay the same it was when it was alive."
Charmaine Dockey, who lives a stone's throw away from the now-popular tree, told The Gleaner she actually witnessed, in speechless amazement, when the old tree stood.
"I couldn't believe my eyes when it jus' took its time and just stan' up," she declared. "It got up and set back himself the same way him used to stay," she said.
However, amid the consternation, a young man named Dwayne Wray calmly sought to demystify the situation.
"The roots which held down the tree after it was blown down seem to have broken free, releasing the tree from its grasp."
Wray believes the branches had, over the years, been chopped and used for firewood.
"As a result, the tree became lighter and when the roots broke the upper part returned to standing position," he added.
But many of the residents of the quiet, agricultural district located in Jamaica's Breadbasket Parish were not prepared to listen to such theories.
"It is a time sign of the times," one elderly woman declared. "It is showing us that we must repent."


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The Loyal and Eight-Pin Disc Golf Course
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Entrepreneur, seeker, I love metaphysics and music. I bring the world together through crowdsourced mobile connectivity @opengarden
Veronica Belmont - about.me user since 2010
"First, customize your page. It's easy and fun to design!"
Hi! I'm currently living in (City), where I work at (Work Place) doing (Job Title). When I'm not working I like to (Hobby), (Interest) and (Passion). Connect with me!
"Next, connect services and send people to your page."
"That's it! Let about.me do all of the work for you."
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Pizza and Beer at Jane Magazine? So Brandon Holley
Upon browsing the Jane magazine website today, we noticed a little announcement buried between videos of Anne Hathaway and questions for Kevin Connolly. "Dinner with Brandon" the box read, and our intrigue overwhelmed us. The editor in chief of the hottest 20 something magazine invites randoms over for dinner at the Jane office? So cool.
We decided to give Brandon Holley a call to see what this whole "dinner with Brandon" thing was all about. Apparently it has been going on since she started at the mag about a year ago. But she's assured us the event is picking up speed faster than the nautical look. Truthfully we were just thrilled that the EIC was willing to even talk to us. Most of them just hang up.
So, what goes on at these inter office gatherings? How can you get on the guest list? Should you bring your resume and pitch your ideas? We've got the goods on the debonaire dinners, after the jump. Yum!
How often do these dinners take place at the Jane office?
We started having the dinners at the office when I first started, but they've become more intense lately. We're actually up to a dinner a week. My staffers love me for keeping them past six so often.
What types of meals are served at these dinners?
So far we've just done pizza. I guess we gotta' change it up a bit.
Do you do beer?
You know, we don't do beer ... but we could do beer. You're right. We should have beer!
Who comes to these dinners? Is it just readers, or mostly recent grads with aspirations of working in mags?
It's mostly readers. They can apply through the site, or sometimes they write in. We also have done things like hand out cards on the street "you and five friends are invited to dinner at Jane." Last night we had the girls from NYU publishing class, and that was fun. It will be six editors and six to ten readers, and we just talk and chat. It also gives us a good idea of what our readers are interested in. There's always a good mix of girls. Sometimes they are interested in magazines, and they bring their resumes or pitch ideas — it's a good way to get a foot in the door at least.
What do you talk about?
The girls we invite always like to talk about music ... last night was a lot of sex talk. We get ideas from our readers — like good stories for our prank section — they are really inspiring. Surprising they're least favorite subject is celebrities. We ask them who they want to see on the cover and they're all like, "eh?" They don't care.
We talk about sex, parties, hangovers, clothes, politics ... things that 20 something girls' lives revolve around.
Sounds like fun, right? Why not take your chance and sign up here? (Totally worth it ... our editor won a lunch break with Graydon Carter through this type of thing!) Plus, Brandon said be sure to mention Jossip when you apply (totally ups your chances based on your obvious pop culture savvy). We're so going to try and snag an invite ... do you think she'll consider doing margaritas?


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Faith Hill & Tim McGraw at CMA Award's
Faith Hill attends the 45th annual CMA Awards at the Bridgestone Arena on November 9, 2011 in Nashville, Tennessee.
Source: Michael Loccisano/Getty Images
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MUMBAI: To wean doctors attached to government hospitals off private practice, the state cabinet on Wednesday cleared a proposal to sanction 35% of their basic salary as non-practising allowance (NPA), but with a rider. The state has put a condition that the doctor's total salary should not exceed Rs 85,000 a month.
The state government on Wednesday announced incentives for doctors attached to government hospitals to wean them away from private practice. A proposal to sanction 35% of doctors' basic salary as non-practicing allowance (NPA) to doctors, but with a rider. The DF government has put a condition that the total salary of doctor should not exceed Rs 85,000 a month.
A senior Mantralaya official said that the department found several doctors who are on roll of the state government opting for private practice after working hours. "They feel private practising medicos make more money. Despite rules restricting government doctors from indulging in private practice, many doctors violate the law," the official said, adding, "The incentive is to discourage such practice."
According to statistics, of the total 8,991 government doctors, 3,979 were already getting 25% incentive. "All 8,991 doctors attached to public health department will get NPA. It will cost the state exchequer approximately Rs 85 crore," a senior bureaucrat said.
Public health minster Suresh Shetty said that the move was to encourage doctors to work in rural areas. "Stern action will be initiated against those found violating rules," he added.
A senior official from the medical education department pointed that the case is similar with lecturers, assistant professors and professors attached to government medical colleges. "The salary of government medical colleges' staff is very low compared to that of teachers in private medical colleges. To bridge the gap, the government staff will get an NPA," the official added.
Dr Vijaykumar Gavit, medical education minister, said, "Nearly 2,600 teachers (2,300 attached to government medical colleges and 300 from government dental colleges) will be beneficiary of the incentive."
The state medical teachers association has welcomed the allowance move.
Dr Nagsen Ramraje said, "For past three years, the association has been pursuing the NPA issue with the state government. The persistence has finally yielded results."
Stay updated on the go with Times of India News App. Click here to download it for your device.
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Gulfport Police Chief Elected President of Regional Association
Tampa, FL--Judge J. Thomas McGrady, Chief Judge for Florida's sixth circuit, presided over the swearing-in of the 2013 officers and board members for the Tampa Bay Area Chiefs of Police Association. Gulfport Police Chief, Rob Vincent, was elected to serve as the president of the organization, which represents law enforcement administrators in seven bay area counties. In a speech to the nearly 100 members and guests at the ceremony, Chief Vincent highlighted the distinguished history of the Association, which spans over sixty years. He said that his goal is to tap the resources available to the members in an effort to expand the influence the organization has throughout the state as they move into the future of protecting and serving Florida's citizens.
Other members elected to the board of directors:
Vice President: Chief Ken Albano, Temple Terrace
Secretary/Treasurer: Chief Ray Velboom, Dade City
Immediate Past President: Assistant Federal Security Director Greg Mertz, TSA Tampa Airport
Board members:
Mark Ober, State Attorney for Hillsborough County
Chief Dorene Thomas, Pinellas Park
Chief Tom Longo, University of South Florida Police
Chief Anthony Holloway, Clearwater
Chief Bob Kochen, Tarpon Springs
Colonel Greg Brown, Hillsborough County Sheriff's Office
Assistant Chief John Bennett, Tampa
Gulfport Police Department
Media Release
Chief of Police Public Information Officer
Robert A. Vincent
Sgt. Thomas Woodman
(727)893-1049 (727)893-1051


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Yesterday I posted up some of my favorite albums of the decade. Now, without further ado, the ten that have spent the most time in my CD player, and stuck in my head, in the first ten years of this new millenium…
10. William Shatner: "Has Been"
You think I'm kidding. I'm not. Collaborating with rock pianist Ben Folds, ol' Captain Kirk put together an album of brutally honest tunes that reveal the deep insecurities and sharp wit of an aging character actor whose most fascinating role might just be his own. The title track is both poignant and hilarious. The cover of "Common People" is a blaze of shout-along power-pop. And Shatner's duet with Henry Rollins will split your head clean open.
9. Andrew Bird: "Noble Beast"
He whistles and plays the violin. Oh, and he writes some of the most intimate, captivating folk-rock tunes you'll hear. "They took me to the hospital, put my body through a scan / What they saw there would impress them all, for inside me grows a man," he sings on "Masterswarm," the album's intricately wrought highlight. But Bird isn't just a man; when it comes to fiddle-playing front-men of the new millennium, he's THE man.
8. Vampire Weekend: "Vampire Weekend"
Not since the Talking Heads has a stiff-collar white-kid Afro-pop band managed to sound like anything more than what it is. Enter Vampire Weekend, a bunch of Columbia-educated, chess-playing pretentious twits (just ask the local bands who played with them when they came to Missoula) who happen to write tunes that get stuck in your head like the teeth of a crosseyed succubus. With song titles like "Oxford Comma" and "Mansard Roof," these guys will never be confused with gangsta-rappers. Which is a Very. Good. Thing.
7. Rufus Wainwright: "Want One"
He flames like a Greek goddess and sings like Bob Dylan with a sinus infection; but lordy, can Rufus write a song. Despite (or because of) its shameless rip-off of Ravel's "Bolero," the lead-off track "Oh What a World" is the most poignant paean to life in the new millennium since…Well, since Rufus' own "Vibrate," or "Beautiful Child," both of which grace this ambitious and mostly brilliant record.
6. The Bad Plus: "These Are the Vistas"
Who would have thought that songs by such divergent pop artists as Nirvana, Aphex Twin, and Blondie could be transformed into such brilliant and revelatory jazz? These three Midwest natives took an art form that has, in recent years, begun nodding off to sleep in the cozy confines of the Ivory Tower, and revived it with a hard slap and a wry wink. Ethan Iverson is the Jackson Pollock of the piano, scribbling out blazing solos that breathe new life into an old instrument. David King often does the unthinkable for a drummer, breaking entirely free from the established underlying beat. Yet just when he seems altogether gone, he's right back – just in time for bassist Reid Anderson to cut loose on his own whimsical freeform jaunt. I still remember the night I pulled my truck over on the side of the road to listen to the gargantuan "Silence is the Question" over, and over, and over. It's astounding.
5. Manu Chao: "Próxima Estación: Esperanza"
During the 1990s, I obsessively followed the exploits of Ween, the foul-mouthed goof-spoof duo from New Hope, Pennsylvania. (My wife and I sang a Ween song as we walked down the aisle at our wedding. I'm that much of a fan-geek.) Manu Chao is Ween for the new, digital, global order: A Parisian-born musician who sings stick-in-your-head ditties in French, Spanish, English, Arabic, and Portuguese, set to a roof-raising Afro-Latin-pop beat. When I need a lift, this is the album I have turned to, for years now. My wife and I drove all the way to San Francisco with a one-year-old in the back seat to see Manu Chao perform live. It was totally worth it.
4. Osvaldo Golijov: "Oceana," and other works
Most of the classical music I've discovered in the past decade doesn't technically fit the bill of a "best of the decade" list, as it was neither written nor recorded in this decade. One album, however, fits the bill and ups the ante at once: Osvaldo Golijov's "Oceana." Born in Argentina and educated in Israel and the United States, Golijov's mixed heritage manifests itself in music that echoes everything from tango to klezmer to minimalism. For Golijov, it is all one language, spoken so eloquently that one begins to forget that Brazilian pop singers, Indian tabla players and Flamenco guitarists aren't usually part of an orchestra. The title track – an oratorio for orchestra, chorus, and a small band of non-classical musicians – stands among the most moving and viscerally exciting large-scale concert works of the past century. Notably, it will be performed by the Missoula Symphony Orchestra in a concert this coming March. To say I'm excited is an enormous understatement indeed.
3. Sufjan Stevens: "(Come on Feel the) Illinoise!"
Fluttering flutes and soaring French horns, breathy harmonies and loquacious song titles – it all could have added up to the most pretentious album of the new millenium. Instead, "Illinoise" is a revelation: A whirlwind of unabashed ambition and heartbreaking humanity from one of the most singular talents in modern music. The title track spins gleefully on a minimalist tether, rising ever upward; then comes "John Wayne Gacy, Jr.," an utterly entrancing and shockingly sympathetic ode to one of America's most odious serial killers. It's a long album – 23 tracks – and one that longs for an intermission by the end; but just try to sort through it for a bad song. There's not a throw-away in the bunch.
2. Grizzly Bear: "Veckatimest"
Earlier this year, I heard friends raving about the new Grizzly Bear album. I bought it, knowing virtually nothing about the band (except, anecdotally, that they had performed with the Los Angeles Philharmonic). I still remember the night that I popped it into the CD player. The first track, "Southern Point," knocked my knees out from under me with its explosive shifts between nervous acoustic jazz and anthemic indie-rock refrains. I sat on the floor for nearly an hour, completely engrossed in the album's haunting textures. "Dory," with its seasick harmonic rootlessness and choral apparitions, has to be the strangest song that I've fallen in love with in at least ten years. There are more immediately engaging compilations of hummable tunes out there, but "Veckatimest" hangs together as an album – a journey, really — better than any I've heard this decade.
1. Radiohead: "Hail to the Thief"
It's probably no surprise that, as a former classical music junkie, my tastes run toward music built on classical foundations. In that sense, it's been a banner decade, as a whole genre has coalesced around classically derived principles, informed by the technology and trends of modern popular music. Chamber rock, baroque pop – call it what you will. It has changed the course of popular music in this new century.
Arguably, it all springs from Radiohead. Following on the groundbreaking popular success of the band's late-90s album, "OK Computer" – a record that ought to have honorary status as a top pick of this decade, or any for that matter – Radiohead went over the edge with 2000's "Kid A," an album that tops many lists of this decade's best. For me, though, 2003's "Hail to the Thief" resonates more poignantly than "Kid A"'s sprawling millennial angst-fest. Songs like "Where I End and You Begin" and "A Punch Up At a Wedding" still take my breath away, combining tunes that would sound great played on just a guitar with synthesized textures that would have been literally unachievable a decade earlier. This isn't just an album; it's a universe.
So that's it. What do you think? Share your thoughts via this poll at SpeakUpMissoula.com; or post your comments below…


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15 Resources for Setting Up an E-Commerce Site with WordPress
Jul 13
development, ecommerce, wordpress No Comments
WordPress is a popular blogging platform and content management system, but it can also be used for powering e-commerce websites. Although its primary purpose is not e-commerce, there are a number of plugins and themes available that will allow you to use WordPress for your online store (some are free and some are premium).
Link: http://designm.ag/…


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Happy Aloha Friday!
It's certainly been a busy week for my various Maui projects, but before I get into that, there are a few folks I wanted to pass along a Big Mahalo to first.
My newest Maui App launched Wednesday, and I was very excited to see the reception it received as it made it's way into people's social media news feeds.
I'd like to send a Mahalo to everyone that liked, shared, or tweeted my launch announcement, and give an extra shout-out to these ladies for their tweets.
It's Here! The new Maui Wall Candy App is now available for download -> mauiwallcandy.com/2013/03/maui-w… RT @dailymauiphoto:
— Sheila Beal (@SheilaBeal) March 28, 2013
Check out the new Maui Wall Candy App from Kris of @dailymauiphoto mauiwallcandy.com/2013/03/maui-w…
— Sheralyn (@ParadiseInMaui) March 27, 2013
Sheila (@SheilaBeal), as you may very well know already, runs the award winning Go Visit Hawaii website, which we've been fans of for years now (since 2007, to be exact).
Sheralyn (@ParadiseInMaui) runs the Paradise Found in Maui website and is also an avid Maui blogger. Her website includes the Maui Beach Bum Blog with great tips and stories from the Valley Isle.
In addition to those tweets, Liza from A Maui Blog also shared the announcement on the A Maui Blog page on Facebook, too.
A special Mahalo to all three of you for your support!
Maui Wall Candy App Announcement
As I mentioned above, my new Maui Wall Candy App was officially released to the App Store this week, so if you or someone you know would like a little Aloha on their iPhone or iPad, please give it a look.
The links above have all the good details if you'd like to learn more.
Other Updates
I did mention it was a busy week, so here are a few other updates I shared this week as well:
- Maui by Poster 03 Update – status update for my upcoming 3rd free eBook.
- New featured postcard over at Maui by Postcards, including 7 new images added to the Maui Postcards App.
- I added Twitter Card support to the @DailyMauiPhoto Twitter feed to display photos directly in Twitter without clicking to the full site (see example).
Phew, that about covers it for this week.
Thanks again for everyone that helped spread the Aloha around my new App this week, and for proving again that the Aloha Spirit is just as much alive in the online world as it is on the islands themselves.
Until next time,
– Kris


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There should be no doubt, Google is getting ready to make a lot of announcements at I/O. If we've learned anything from past experiences, Google starts packing its apps full of surprises in the weeks leading up to the big show. The latest update to Play Services started rolling out yesterday and it has grown by a whopping 4 MB, almost 30% larger than the previous version. There's obviously a lot of stuff to look at, so let's just jump right in.
If there's one thing we hear time and again about Android, it's the F word: fragmentation. While it's largely just an annoying word used to get under the skin of Android fans, I think in at least one respect, it's been a valid criticism: the wildly varying experiences Android users have with the post-purchase support and software on their handsets. Now, it's equally correct to say that's not really Google's fault, nor its responsibility - OEMs are the ones dropping the ball in a lot of respects here, and I totally agree with that!


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Building Butler's legacy.
Support that inspires excellence.
I provide support to the Vice President for University Advancement, as well as partial support to the Director of Capital Campaigns.
Obtaining further information or contact with the departments overseen by University Advancement, which include, Alumni & Parent Programs, Capital Campaigns, Constituent Services, Development, and University Relations. Our collective mission: University Advancement works to accomplish Butler priorities by intentionally engaging its constituents.
I enjoy being part of a collaborative and talented staff motivated by the challenges of fundraising and promotion. They know that their work is integral to sustaining the University for future generations of students.
Attending the 2010 NCAA men's basketball final in Indianapolis with my teenage son. I could not have been more proud of a team of student-athletes than that of the Bulldogs. And as a parent, you appreciate such rare displays of grace, passion, and unity being exemplified for your child.


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Carriers and DSL--the good, the bad, and the ugly
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