text:
I am a new Disney cruiser and need some help. I don't feel like I have done my uber planning on this cruise like I normally do our WDW vacations. I finally went online today and checked in. I had no idea that I could do it this soon so I have a port arrival time of 1:30 - 2:00. What does this mean? If we arrive earlier, do we have to wait to check in until that time? Does this mean we will not board until then? Totally confused and feeling very overwhelmed. Would appreciate any and all help.
Guests have a "port arrival time" as DCL's attempt to spread out the arrival of all the passengers and avoid congestion at the port. This is particular due to the larger size of the Dream and Fantasy and the need to control for building capacity and fire regulations at the Port Canaveral terminal. However, once passengers begin boarding, there is little need to restrict access as people move quickly through the terminal (check-in) to the ship (boarding). The terminal doesn't officially open until 11:00am, though usually earlier. Boarding often begins around 11:30 and by noon or so most of those early arrivals have moved onto the ship. With a port arrival window of 1:30 - 2:00pm, you can probably arrive around noon or 12:30 with no problems, possibly earlier. Depending on your ship and departure port, you might be able to arrive earlier. However, your boarding number will be tied to your port arrival time, so you may still need to wait a bit to board, though not likely as late as 1:30-2:00pm. Enforcement of port arrival times seems to vary, with some experiencing a wait outside the terminal and others allowed to enter early. If you are using DCL transfers from MCO or WDW, port arrival time is a moot point and you will enter the port as soon as the bus arrives. Enjoy your cruise!
The only time I've seen or read of people being required to wait outside the terminal is when there is a problem with exceeding fire regulations. This is not a problem as soon as boarding starts as people move rapidly from the terminal to the ship. If you are arriving at the terminal via Disney transportation, your port arrival time doesn't matter; you're allowed in as soon as the bus gets you there. If you are arriving by any other method, I'm with the above--if you arrive between 12 and 1, you'll get thru check in efficiently and board the ship with little delay. Yes, you'll encounter some lines waiting for security, then check in, and then a little time delay to board, but you should be on the ship within an hour of arriving at the terminal. If you arrive before 12, expect more waiting. If you arrive after 1:30, you'll hit the bus crowds from WDW--again, lines and waiting. The "sweet spot" is the 12:30-1 window.


text:
This is a re-release of an old post but it kind of goes with one I'm working on now, so you have to read this one first (or again)…
Here we go:
10 Things No One Gives A Crap About On Facebook
1. Let's pretend that you're scrolling through your Facebook News Feed and you come to my status. It says: I'm at the movies! Would you care? No, you would not. No one does.
How about this one: I'm at the movies with Eminem! You might care a little bit, but now I'm just bragging (and lying).
2. If your Nana dies, please refrain from posting it as your Facebook status. Your real friends will already know about Nana and the people who don't know, don't care. (Sorry, someone had to say it). Get the "F" off Facebook and go do what you should be doing: Crying over your sweet, dead Nana. Keep reading this post »

subset: commoncrawl


text:
Guida ostelli
America Centrale e Sudamerica
Costa Rica
Puntarenas Province Ostelli
Puntarenas Province Ostelli
Puntarenas Province
Jaco Beach
Londres de Quepos
Mal Pais
Piedras Blancas
Playa Hermosa
Santa Elena
Santa Teresa
Puntarenas Province Comments
There is an alternative taxi / boat / taxi shorcut to the grueling 8 hours ride between
Cloud Forest and the Arenal Volcano. See http://www.monteverdeinfo.com.
Over the last 2 years
has boomed. Manuel Antonio is becomming prohibitively expensive and so Quepos has grown to accommodate the medium to budget traveller. According to the Tico times it has the most even mix of 4 categories of people, ticos on vacation, ticos that live there, ex pats, and foreign tourists. All the night life is in Quepos so if you are not staying there you have to get a bus or taxi.
I love
Santa Teresa
-- very nice spot for surfing and to party too. The beach is huge and very beautiful. We had really a good time.
I was in
and Manuel Antonio three years ago. I found theses places very interesting and unique due to the great combination of dark green of the tropical forest and the navy blue of the Pacific Ocean. It is absolutely awesome and one of the must see places in the whole world.
The best place to procure your drugs, especially crack or "el puro," is from one of the gypsy taxi drivers behind the bus station. You won't even have to look, as they stand outside their cars yelling out what they're selling. It's very hot and humid in
and pretty expensive, but the beaches are lovely. If you can afford to stay on the beach, you'll probably have a wonderful time, but if you have to stay in Quepos, you are less likely to enjoy it.
was not really a fun place -- dirty and full of beggars and drug dealers. Manuel Antonio National Park was really nice, got to see howler monkeys and raccoons right on the beautiful beach.
"Hostelz.com è l'unica guida online sugli ostelli che offre informazioni e recensioni dettagliate su tutti gli ostelli di tutto il mondo.
Copyright © 2015 Hostelz.com


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text:
Dolis had been with the Cubs, but was outrighted off the 40-man roster earlier in the offseason. He has a 5.48 ERA in 44 1/3 career innings.
The pitchers included prospects Clayton Blackburn, Tyson Blach and Kyle Crick. The remaining non-roster pitchers include Jason Berken, Brett Bochy, Jose Casilla, Rafael Dolis, J.C. Gutierrez, Chris Heston, Derek Law, Mitch Lively, Kameron Loe, Adam Reifer, Sandy Rosario, Dan Runzler and Mason Tobin.
The position players included prospects Joe Panik and Mac Williamson. The other non-roster position players include Jeff Arnold, Guillermo Quiroz, Andrew Susac, Ben Turner, Chris Dominguez, Brandon Hicks, Mark Minicozzi and Javier Herrera.
Outfielder Darnell McDonald, catcher J.C. Boscan and pitcher Trey McNutt all cleared waivers and were outrighted. Additionally, pitchers Rafael Dolis and Zach Putnam and outfielder Thomas Neal were activated from the 60-day disabled list, cleared waivers and were outrighted.
Dolis has not allowed a run in five innings with the Cubs. Blake Parker was called up from Triple-A Iowa to replace him on the active roster.
Dolis has made two scoreless appearances for Chicago this year. He could be up and down between the majors and minors all year.
Dolis has already appeared with the club this season. He lasted just one day in the majors and threw one-third of an inning before he was demoted. The club designated reliever Kameron Loe to make room for Dolis on the roster.
Dolis, who was vying for a bullpen spot during the spring, pitched in three games for Iowa and registered a 3.86 ERA.
The right-hander made a brief appearance as Chicago's closer last season but is not expected to receive chances in the ninth inning this year as the team will use a closer-by-committee approach.
Dolis had a short-lived stint as the Cubs' closer last season, as he recorded four saves, but he was brutal in 38 innings with the team last season. He posted a terrible 6.39 ERA with 24 strikeouts against 23 walks.


text:
Share your reviews,
photos and videos here!
Involvement:Expert (understands the inner workings) - Ownership:1 week to 1 month
Pros:They do their job well and they are reflective.
They are very easy to lose in the woods despite quite strong velcro fastener. May be it's the rubber loop on one of the ends that clings to the bush. I've lost two of them in a month (one was found thanks to the reflective sticker, one was lost forever).
You can find a lot of uses for it besides holding you pant legs. E.g. as a general purpose emergency strap to fix your mudguard or anything.
Get them if you need them. But get a spare one if you cycle off road.
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text:
Another sleepless night…
That's all I could think of as I sat in my backyard, staring up into the night sky. I wanted to sleep. Yet… I can't. There aren't any bad dreams or anything….
Lately, I've been having troubles sleeping. I might be becoming an insomniac. Somebody who can't sleep. Which is funny, since I love sleeping. Just as much as I like staring at the stars. They usually help me sleep…
Oh, a shooting star! I have to make a wish. But there's so much I want to wish for…
Courage. So I can finally tell my boyfriend Antonio about my problem. He still doesn't know… I don't want him to worry about me. He's got so much to deal with already….
I wish I could sleep. So I won't have to tell Antonio about this. I'll give Lovino a call. He's a close friend of mine, who's living with Antonio. Oddly enough, Lovi's not too fond of him… Glad I brought my phone out with me.
"Ciao [Name]. What's up? Shouldn't you be sleeping?"
"[Name], why aren't you sleeping?"
"Why are you so nosy?" I snapped.
"….. Are you having bad dreams?" Lovi asked carefully.
"No, I'm not. Maybe I just wanted to look at the stars tonight." I said calmly, regretting my previous reaction.
"Not this late at night. Go to sleep."
"I would if I could. But since I can't, I'm stuck staring at the sky. Geez, thought I could talk to you, instead you're questioning me…"
"Why can't you sleep? Should I get that tomato bastard?" He asked, sounding a bit concerned. This was strange to hear from the Italian…
"… No. Don't let him worry about me." I said after giving it some thought. As much as I'd love to hear Antonio's voice, I can't let him know. Not yet.
"Lovi, who are you talking to? Who can't get any sleep?"
"It's your girlfriend [Name]. She says she can't sleep."
I'm going to kill that son of a-
"What?! Give me the phone Lovi! [Name], don't you dare hang up!" Antonio yelled. I heard silence as he took the phone from Lovino.
"Toni, I-"
"Mi querida, what's wrong? Are you having bad dreams? Should I come over?" He asked.
"It's nothing, I've been having trouble sleeping. That's all. Don't worry about it…"
"It's not nothing [Name]! Hang on, I'll be right over. Get inside and wait for me, 'kay?"
"… Alright…" It's pointless to argue with him. He usually finds a way to make me give in…
"Good. I'll be over in 5 minutes." Antonio said before hanging up.
Great, now he's all worried. Damn it Lovino Vargas… I swear you'll pay… I thought as I took a deep breath in. I looked up at the starry sky one last time before getting up to go inside.
-Short time skip-
There was a gentle knock at my door. I assumed that was Antonio… Time to face the music… I hesitantly opened the door and kept my eyes on the ground.
I stayed silent as I watched a firefly glow. It looked so pretty…
"[Name]… Why won't you look at me?" He sounded upset… I glanced up to see the Spaniard with a sad look on his face.
"That's better. Now, let's get you to sleep, okay?" Antonio said with a grin. The determination in his voice made me smile
"Alright, but you really don't have to…"
"Chica, enough with that. I'm helping you get to sleep, no questions asked. Got it?" He said in a dead serious tone. It kinda scared me, since the Spaniard was usually cheerful and happy. Rarely this serious.
I opened my mouth to answer, but he was pushing me towards my room. On his way, I could hear him kicking off his shoes. Once we reached my room, Antonio picked me up bridal style and gently set me on my bed. He then curled up beside me, one arm wrapped around my waist.
"Are you comfy [Name]?" He asked quietly. I nodded drowsily, looking over into those emerald green eyes of his. They're so pretty…
"Good. Now close your eyes, I'll count sheep for you. Does that sound alright?"
Once again, I nodded. I stole one more glance at Antonio before closing my eyes.
"Uno… Dos…. Tres…. Quatro… Cinco…. Seis…. Siete…. Ocho…. Nueve…. Huh?"
After nine, I couldn't stay awake. I felt at ease with Antonio with me. Before I fell completely asleep, I caught the last words he said after kissing my forehead.
"Buenas noches mi querida." He chuckled before joining me in Dreamland.


text:
I want my neighborhood to have best environment in learning. A lot of kids are living around my place. They gather around to play basketball together and play in the playground. It is wonderful to play and socially connected with other people. However, learning new things and how to express themselves is also important. Therefore, I'd like to create an art exhibitions, galleries, and art learning center in the neighborhood. With these companies, it will increase neighbor's aesthetic sense, and to be more educated with all fields. Galleries, exhibitions, and art learning center will teach them how to explore their ideas through art, and to be more creative.
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text: zareh at dslextreme.com wrote: > Ahh... > > Now things are making sense, I'm using LFS 5.1.1 with linux kernel 2.4.26, > glibc does not have NPTL support, am I correct to assume that mimedefang > has a problem with linuxthreads? > > I just saw that LFS 6.0 has been released, I'll give that a try. > > Thanks Aaron :) > > > Aaron BRICE > I don't know about that. If you have a linuxthreads process with multiple threads, and you start killing threads, what is the correct behavior? I've never tried that. Maybe the main thread is supposed to stay there until all the child threads die? Aaron


text:
Alphabetical Search
Last Name
Insurance Alert: Financial Body Releases Survey Results on Credit Risk
Cybersecurity, Privacy and Data Protection Alert: New Proposed Federal and New York State Cybersecurity and Data Privacy Initiatives
Barry H. Berke, Co-chair of the Litigation Department, is a nationally recognized trial lawyer who represents officers, directors, professionals and corporations in sensitive and high-profile investigations and proceedings. Mr. Berke has handled major matters on behalf of his clients involving all aspects of white collar crime, including allegations of securities fraud, accounting and bank fraud, RICO and FCPA violations, tax offenses, bribery, bid-rigging, and embezzlement. Mr. Berke also has represented prominent corporations in class action and other complex commercial litigation. Some of his notable representations include securing the acquittal of a Deutsche Bank investment professional in a criminal case that the government described as its largest tax shelter prosecution, successfully representing the head of a multibillion-dollar investment fund indicted for violations of the Foreign Corrupt Practices Act, and winning summary judgment for client JP Morgan Chase in a lawsuit brought by Bank of America, relating to CDOs in the wake of the financial crisis.Mr. Berke is a fellow of the American College of Trial Lawyers. He has been repeatedly recognized by Chambers USA, Legal 500 and Benchmark Litigation as one of the leading white collar criminal defense lawyers in the United States. In 2012, Chambers USA ranked Mr. Berke in its top band for his success as both a trial lawyer nationwide and a white collar criminal defense lawyer, recognizing him to be "the cream of the crop" for trial work, "an incredibly sharp legal mind and an awesome trial lawyer," who is known for his "great connection with juries." Legal 500 in 2011 called Mr. Berke "one of the most high-profile and sought after white-collar attorneys in New York." Benchmark Litigation has consistently named him a litigation star, noting in its 2015 directory that he is "acknowledged by peers on a nearly unanimous basis," and naming him "the go-to guy for white collar trial work." The National Law Journal profiled Mr. Berke as part of a special report on five winning trial attorneys for 2011. Lawdragon has recognized Mr. Berke several times, including naming him to the publication's Lawdragon 500 Leading Lawyers list for 2013-2014, and describing him as "equally adept at convincing authorities not to bring charges … and at convincing juries to acquit," in a Lawdragon "Limelight" profile in 2013. Mr. Berke was also included in the Law360 2011 Most Valuable Player list, one of only four lawyers named nationally in the area of white collar criminal defense, and named in 2010 and 2014 as one of the "Top 10 Lawyers in New York" by Super Lawyers.
Mr. Berke is co-author of the textbook The Practice of Federal Criminal Law: Prosecution and Defense, published by Thomson/West's American Casebook Series. He has taught courses on criminal law and professional responsibility at New York University School of Law, and lectures frequently on criminal justice issues in a variety of forums.


text:
Class: Freshman
Position (s):1B/OF
Bat/Throw: L/L
Height: 5'0"
High School: Felix Varela Senior High
Hometown: Miami, FL
Major: Physical Therapy
Awards in High School: Viper Award. Honorable Mention in Softball (2014)
Hobbies: I enjoy watching movies and spending time with family.
Personal: To be successful in my career. Also, to play softball for as long as I can.
Favorite Quote: "Do or do not, there is no try." -Yoda
Position (s): C/OF
Bat/Throw: R/R
Height: 5'4"
High School: South Dade High
Hometown: Homestead, FL
Major: Physical Therapy
Awards in High School: 2nd Team All Dade in Softball (2013). Prom Queen
College Awards: All Southern Conference Second Team (2014)
Hobbies: I enjoy going fishing, hunting, four wheeling, and trap shooting.
Personal: I am hopeful to move out of state to play for a University.
Favorite Quote: "Everything will be alright at the end, but it's not alright it's not the end."
Class: Freshman
Position (s): OF
Height: 5'8"
High School: Cooper City High
Hometown: Buford, Georgia
Major: Criminal Justice Administration
Awards in High School: High Honor Awards. Student-Athlete Award.
Hobbies: I like to cook.
Personal: I was born in Manizales, Colombia. I am the first person in my family to attend college.
Favorite Quote: "Don't cry because it's over. Smile because it happened." -Dr. Seuss
Class: Freshman
Position (s): 2B/OF
Bat/Throw: R/R
Height: 5'9"
High School: Fletcher High
Hometown: Jacksonville, FL
Major: Biology
Awards in High School: 4 year Varsity Letterman. All Conference First Team (2013, 2014). First Coast 3rd Team Selection (2014).
Hobbies: I love to go shoe and sock shopping. I also like to listen to music and workout.
Personal: I am from Tallahassee but raised in Jacksonville, FL. I am in love with the game of softball and I wish to take my talents to Florida State University. I want to obtain my Doctorate Degree, attend medical school, and become a coroner or medical examiner. If not, I want to become a surgeon, and someday repay everyone who has helped and supported me.
Favorite Quote: "I can do all things through Christ who strengthens me." -Philippians 4:13
Class: Sophomore
Position (s): RHP/1B
Bat/Throw: R/R
Height: 5'9"
High School: Colegio Estadual Do Parana
Hometown: Curitiba/Brazil
Major: Accounting
Awards in College:
All Southern Conference First Team. All Southern Conference Pitcher of the Year. FCSAA Pitcher of the Week (3 times). FCSAA/NJCAA All State First Team. FCSAA/NJCAA All State Pitcher of the Year. All American First Team. NJCAA Pitcher of the Year.
Hobbies: I enjoy going to the movies.
Favorite Quote: "Hard work does not necessarily guarantee success, but no success is possible without hard work."
Class: Freshman
Position (s): C/1B/OF
Bat/Throw: Both/L
Height: 5'7"
High School: Pompano Beach High
Hometown: Pompano Beach, FL
Major: Biology
Awards in High School: All County Honorable Mention for Soccer and Softball (2011). All County Second Team for Soccer (2012-14). I broke the school record for keeper shutouts in one season (2012). All Broward and Miami-Dade First Team for Softball (2013, 2014). Silver Knight Nominee in the Athletics Category (2014).
Hobbies: I enjoy cross fit, going to the beach, and spending time with my family. I aim to make it to the cross fit games after my softball career concludes.
Personal: I was born and raised in Broward County. I have a mom, dad, brother, and two dogs (Gracie and Dixie).
Favorite Quote: "Make your weaknesses your strength, and your strengths stronger."
Class: Freshman
Position (s): OF
Bat/Throw: S/R
Height: 5'4"
High School: Secondary General Education School No. 375
Hometown: Moscow, Russia
Major: Business Management
Hobbies: I enjoy reading books, dancing, swimming, and learning English.
Personal: My team, 16U, won the European National Championship (2009). My dream is to further develop my skills in softball in America. I want to finish my education in America.
Favorite Quote: "No retreat, no surrender until we are united, we are invincible."
Class: Sophomore
Position (s): RHP/OF
Bat/Throw: R/R
Height: 5'2"
High School: Coral Gables High
Hometown: Miami, FL
Major: Biology
Awards in High School: All Dade First Team in Softball (2012, 2013). Capa Dorada Award. Female Most Outstanding Award.
Hobbies: I like staying active and playing sports, mostly beach volleyball. I also love spending time with my dogs, Jake and Ally.
Personal: I have a twin sister on the team and I love being a twin. I have a brother named Adrian. I have lived in the same house my entire life. This is my third season with a pregnant coach.
Favorite Quote: "Greatness isn't given, greatness is taken."
Class: Sophomore
Position (s): C/3B
Bat/Throw: R/R
Height: 5'2"
High School: Coral Gables High
Hometown: Miami, FL
Major: Physical Therapy
Awards in High School: All Dade Second Team in Softball (2010). All Dade Third Team in Softball (2011). All Dade First Team in Softball (2012, 2013).
Hobbies: I love playing beach volleyball.
Personal: I have an older brother (22), and a twin sister who is also on the MDC Softball Team. I have two dogs, Jake and Ally, which I am obsessed with.
Favorite Quote: "Pain is temporary but victory is forever." -Jeremy H.
Class: Sophomore
Position (s): 3B/2B
Bat/Throw: R/R
Height: 5'4"
High School: Sebring High
Hometown: Sebring, FL
Major: Physical Therapy
Awards in High School: 4 year letter for varsity softball. Rookie of the Year (2010). Defensive Player of the Year (2011, 2012). Most Valuable Player (2013). All Highlands Athlete of the Year (2013).
Hobbies: I enjoy hunting, fishing, singing in the shower, taking road trips, and spending time with my nieces.
Personal: I have big dreams in life and I will not stop until I reach them. I believe you always try your best and never give up, and that is how one succeeds.
Favorite Quote: "Don't let the fear of striking out keep you from playing the game."
Class: Sophomore
Position (s): C/UTL
Bat/Throw: R/R
Height: 5'7"
High School: Bishop Verot High
Hometown: Fort Myers, FL
Major: Exercise Science
Awards in High School: First Team All-Area. Second Team All-Area. Player of the Week (2013). Most Valuable Player (2012, 2013).
Awards in College: All Southern Conference First Team (2014).
Hobbies: I like to go sneaker shopping. I enjoy dancing for fun.
Favorite Quote: "Hard work beats talent when talent fails to work hard."
Class: Sophomore
Position (s): 2B/3B/OF
Bat/Throw: R/R
Height: 5'3"
High School: Colegio Exato
Hometown: Sao Paulo, Brazil
Major: Industrial Engineering
Hobbies: I enjoy playing softball and swimming.
Personal: I want to pursue my career to be an engineer.
Favorite Quote: "To give anything less than your best, is to sacrifice the gift."
Class: Freshman
Position (s): 3B
Bat/Throw: R/R
Height: 5'4"
High School: Flanagan High
Hometown: Pembroke Pines, FL
Major: Physical Therapy
Hobbies: I enjoy shopping and cleaning.
Favorite Quote: "Be who you are and say what you feel because those who mind don't matter and those who matter don't mind." -Dr. Seuss
Class: Sophomore
Position (s): RHP/3B
Bat/Throw: R/R
Height: 5'1"
High School: Liceo Classico Romagnosi
Hometown: Parma, Italy
Major: Physical Therapy
Hobbies: I enjoy reading books, watching movies, and lifting.
Personal: I am from Italy. I want to major in Physical Therapy and transfer to a 4 year university.
Favorite Quote: "See the invisible, believe the incredible, and achieve the impossible." -Joel Brown
"Take risks: If you win, you'll be happy; if you lose, you'll be wise." -Unknown
Class: Sophomore
Position (s): RHP/OF
Bat/Throw: L/R
Height: 5'0"
High School: Barbara Goleman High
Hometown: Hialeah, FL
Major: Biology/Nursing
Awards in High School:
All Dade Second Team in Softball (2013). Golden Glove Award (2013). Member of the Science National Honor Society.
Hobbies: I enjoy fishing, hiking, and volunteering at children's shelters whenever I have free time.
Personal: I aspire to become a successful Physician Assistant, and play the sport I love at the highest level possible.
Favorite Quote: "I can do all things through Christ who strengthens me." -Philippians 4:13
Class: Freshman
Position (s): MI/OF
Bat/Throw: Both/R
Height: 5'3"
High School: Gulliver Prep
Hometown: Miami, FL
Major: Psychology
Awards in High School:
All Dade First Team in Softball (2012, 2013, 2014). Silver Slugger Award (2014). Golden Glove Award (2014). 3A Softball State Champions (2011, 2012, 2013).
Hobbies: I enjoy playing softball and volleyball.
Personal: I'm a Red Sox fan and I love country music.
Favorite Quote: "Why fit in when you were born to standout?" -Dr. Seuss
Class: Sophomore
Position (s): 1B
Bat/Throw: R/R
Height: 5'5"
High School: Miami Killian High
Hometown: Miami, FL
Major: Psychology
Awards in High School: All Dade Honorable Mention in Softball (2013). Delta Psi Kappa Outstanding Scholar-Athlete Award.
Hobbies: I enjoy playing softball, watching movies, shopping, going to the beach, and sleeping.
Personal: I love everything Disney and enjoy musicals.
Favorite Quote: "Your only limit is you."
Class: Freshman
Position (s): 1B
Bat/Throw: R/R
Height: 5'8"
High School: Miami Palmetto Senior High
Hometown: Miami, FL
Major: Early Childhood Education
Awards in High School: Coaches Award (2012). Coaches Award (2014). Family and Consumer Award for my field of study (2014).
Hobbies: I enjoy taking pictures and spending time with my family.
Personal: I have a younger brother and I just recently had jaw reconstruction surgery.
Favorite Quote: "Somewhere behind all the hours of practice and the coaches who have pushed you is a little girl who fell in love with the game and never looked back...play for her."
Class: Freshman
Position (s): OF
Bat/Throw: S/R
Height: 5'3"
High School: John A. Ferguson Senior High
Hometown: Miami, FL
Major: Business Administration
Awards in High School:
Graduated top 10% of my class. Homecoming Queen (2014). Ferguson Dance Team Sweetheart Award. National Honor Society. Most Athletic Senior (2014). Student Government. Softball Team Captain (2014). Graduated from the Bio-Medical Academy.
Hobbies: I enjoy cooking, dancing, spinning, kickboxing, working out, basketball, tennis, volleyball, softball, simply staying active.
Personal: I'm an optimistic person. I'm always searching for a need and fulfilling it. When there's a problem, I search for the solution. On game days, I read athlete's quotes and watch my favorite inspirational video, "Why We Fall."
Favorite Quote: "Limits, like fears, are often only an illusion."


text:
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text:
Health trusts call for urgent debate on national pay
A body representing more than 200 NHS trusts across England says new ways of negotiating pay need to be considered.
The chief executive of the Foundation Trust Network (FTN), Chris Hopson, has questioned whether national agreements can deliver the savings needed for the health service.
He said it was time to consider setting pay regionally or trust-by-trust.
Unison has warned against putting at risk current proposals, covering more than one million NHS workers.
A new national deal on pay, terms and conditions for most NHS staff in England appears tantalisingly close.
Trade unions are consulting on changes to the Agenda for Change scheme, covering more than one million workers. One of the main modifications is a clearer link between annual pay increments and performance.
Mr Hopson said NHS trusts completely supported the deal on the table.
However, he argued that when you look at the challenges trusts face over the next five years - a flat budget, rising costs, and the need to improve care at nights and weekends - it will not be enough.
"Start Quote
End Quote Chris Hopson Foundation Trust NetworkLooking to the next five years, the NHS urgently needs a major debate on whether the current approach to pay, terms and conditions is fit for purpose and affordable."
Pay takes up 60-70% of an average trust's costs, and safety concerns mean it is impossible to cut staff numbers in the same way as other public services, Mr Hopson said.
While acknowledging that any improvements are welcome, he said he estimated the current deal on offer would secure an average hospital annual savings of about £250,000, out of the £11m needed, which some people might call "a drop in the ocean".
In particular, Mr Hopson questioned whether enough was being done to reform annual increments - awarded irrespective of pay deals as staff build up experience.
"Can the NHS, for example, continue to afford a system that gives 60% of staff a 2% pay increase every year, irrespective of performance, on top of any cost of living increase?"
The time had come to look at a different approach, he added.
"Trusts now have a pressing need for the NHS to start discussing the different ways we could set pay, terms and conditions including looking at whether we should set pay nationally, regionally or trust by trust - exactly the same debate as the education service is now having."
This is an idea that is already being pursued by a consortium of trusts in the south west of England.
Pay "cartels"Janet Davies from the Royal College of Nursing said abandoning national pay negotiations would not resolve the severe financial pressures in the NHS.
"Our experience shows that the cost of moving to individual negotiation can outweigh any potential benefit.
"Nor will the NHS be able to raise the standard of care by moving to a system of pay cartels. The present Agenda for Change system is a transparent and fair system that allows employers to plan ahead with certainty and to reward experience," Ms Davies said.
Christina McAnea, from Unison, warned against jeopardising the changes being considered by unions.
"If the FTN is saying the current proposals are not enough it puts the whole thing at risk."
She said most trusts were failing to pick up savings that were there for the taking under the existing arrangements, and she urged them to tell the government that the efficiencies demanded could not be achieved.
Health minister Dr Dan Poulter said changes to NHS employee contracts were long overdue.
"Patient care lies at the heart of this. This is why discussions have been about making a much stronger link between providing high quality patient care and annual pay progression - with a much stronger emphasis on behaviours referenced in the NHS Constitution around compassion, dignity and respect."


text:
MetazoaMetazoa (mĕtˌəzōˈə) [key], subkingdom of the animal kingdom comprising the multicellular animals in the traditional two-kingdom system of taxonomic classification, in which living organisms were considered to be either plants or animals. Metazoa included all animals except the protozoans, formerly classified as in the phylum Protozoa but now classified in the kingdom Protista. The term is still used informally. The Columbia Electronic Encyclopedia, 6th ed. Copyright © 2012, Columbia University Press. All rights reserved. More on Metazoa from Fact Monster:
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The Rodfather/Goodguys Road Tour took it's its first pre-stage cruise yesterday from Goodguys offices in Pleasanton on up to Reno. It was a 232 mile "warm up" for today's pre-stage cruise to Wendover, Nevada where the gang will stay the night prior to tomorrow's office tour blast off from the Bonneville Salt Flats. Today's 400-mile boogie across hot and dry Nevada will surely test men and machine.
There to capture all the cruising, bench racing and BS-ing is host Chad Reynolds and the video team from Route 2 Media. They'll be bringing us nightly video recaps on www.rodfathertour.com.
Here's a look back at yesterday's fun!


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For new questions please post at magento.stackexchange.com, the community-run support site for the Magento community. We will be providing updates on the new forum solution soon. For questions or concerns please email firstname.lastname@example.com.
Everything worked fine before and I'm just retesting my shop and checkout. When I move passed the address screen at checkout to the shipping options (where I usually see a host of UPS and USPS services), I am receiving an error message for each instead that says:
"This shipping method is currently unavailable. If you would like to ship using this shipping method, please contact us." (I've attached a pic with the error messages)
All my shipping options are in production mode and I had been receiving stats from them for quite some time now.
What's happening?
Does someone have a similar issue? Or at least know a solution?
This is a big problem for me…
Does anyone have a solution to this please??? I need to put my site in production but am largely waiting on this…
I have a major problem. My shipping was working as I had all APIs configured in production but recently both my UPS and USPS options just give this error message at checkout:
This shipping method is currently unavailable. If you would like to ship using this shipping method, please contact us.
Anyone have a solution to this?
What is your address of shipping origin, and what is the destination address Please also show your shipping configurations. You can PM me this info if you do not want it to be public
Hey WaelHReda,
Have you tried the following?
Be sure you have a registered Web Tools account, as using your regular USPS login wonââ¬â¢t work (https://secure.shippingapis.com/registration/).
Let us know if this works.
Thanks, Lee
Yeah everything is in production mode and was working for a time. All the login credentials are the correct ones too. I submitted the problem to a Magento Team member who is looking it over. Once I hear back I will post the solution.
I have the EXACT same problem. It's happening in the 'Get A Quote' a as well as the Shipping Method in the Onepage Checkout, the only difference is I have never tested 'Get a quote' on v1.0 until yesterday the first time, immediately I was getting the error. http://www.magentocommerce.com/boards/viewthread/6819/
I emailed USPS ICCC for verification of my account status, and is getting this response: Your account is active and everything on our side is up and running correctly. If you are having problems then you should contact your 3rd party cart for assistance.
Lior, please take a look at my too. I really don't know where else to ask for help. :(
@chinesedream I am looking into the WaelHReda account at the moment, but please PM me your account information and I will check it out as well It maybe easier if you just send me your Admin login
@WaelHReda I was testing the UPS and USPS with the information that you provided me with, and it is working without any problem on my test server. When did it stop working for you? Did you do any changes to the sites or server? I was able to see the login page of your admin, but not the front end, did it stop working before or after you blocked it? Can you also get to the Apache error logs?
@chinesedream Same questions from above are for you as well
Lior, thanks for the quick response.
I did clean up some markups (nothing essential that would cripple the Magento functions I believe) , however I had restored original files (cart.phtml and shipping.phtml) that I thought maybe causing the problem. This afternoon I even setup a new Magento test site on the other server just to run the test, and I am seeing the same error.
Yesterday was the first time I enabled the USPS and tested the 'Get a Quote' and saw the error in the onepage checkout, step 4, shipping methods. In the error logs I can't see anything that is related to the error.
Are yo aware of this issue? http://www.magentocommerce.com/boards/viewthread/5789/
I copied the code posted by katell, but it didn't solve the problem, so I restored back the original.
Will PM you my login info.
Greatly appreciated.
Just for the benefit of the community When you set up a product that is going to use one of the real time shipping estimates options, make sure that the weight of the product is not 0
Hi all,
Any news on this? We're running into the same problem.
Lior - 24 April 2008 07:37 AMJust for the benefit of the community When you set up a product that is going to use one of the real time shipping estimates options, make sure that the weight of the product is not 0
Lior, thank you so much!!!!! This finding along worth thousand of dollars
yes everyone, 'weight' is the problem for my error.!
The Weight attribute is set to REQURIED by default. I 'unrequired' the Weight attribute because client wanted to charge flat rates for Ground, 3rd day, 2nd day and overnight, along with USPS Priority shipping option, and doesn't think it's necessary for him to enter the Weight value.
My understand is, variable shipping options requires setting up table rate correct? So I did that.
After reading your message, I did the following tests:
1) First with the USPS enable and Weight sets to required again, the table rate shows up; 2) Un-required the Weight attribute with weight entered, the table rate shows too. That means I have to have it sets to Required Value to force client enter the weight input. 3) I then did another test with USPS disabled, the table rate's gone.
So this means the Table Rate works in conjunction with Carriers' APIs (?!), but for a store that charges flat rate shipping, store owner doesn't really care to to enter the Weight, and if he doesn't want customer to choose which shipping carrier upon checkout, but delivery method only (Ground, Priority, Overnight etc...), how do we get the table rate show up (with carriers disabled if necessary)?
@chinesedream Table Rate shipping module should be able to work without having other shipping modules It looks like you have some issue with configurations of the Table Rate shipping
I had an issue with the shipping options not working because i entered dummy information for the address. I was using USPS shipping and when i entered my real address instead of a dummy address the calculation worked fine.
So if you are testing, make sure to enter real live info
So how does this solution effect scenarios where all products have a weight value greater than "0"?
We're still getting the errors, and they errors come in two places for USPS: 1. Before the checkout process (in the "Estimate Shipping and Tax" block) 2. In the checkout process
Appreciative of everyone's work on this.


text:
Security with data structures
Make a Hash
What do all programs have in common? They store data at some point, usually in arrays – everything from commandline options to the input and output. But how is data actually stored by the program? Kurt explains.
Many data types and structures exist – from simple strings and integers to multi-dimensional arrays. One of the most common and useful types is the simple growable array that can contain an arbitrary number of elements. You can basically put data in, look it up, and remove it as needed; this structure is also referred to as a one-dimensional array. Often, you can also insert an array as a data element into an existing array, giving you a multi-dimensional array that lets you do things like create a "customer" array with a number of elements containing a customer name, phone number, and so forth.
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Old Vulnerabilities Are Kept Alive Through Bad Configuration
HP's annual Cyber Risk report offers a bleak look at the state of IT.
Linus Torvalds Announces Linux 4.0
But what do the big numbers really mean?
Microsoft Frees CoreCLR
.NET Core execution engine is the basis for cross-platform .NET implementations.
New Trojan Attacks Linux Servers
The Xnote trojan hides itself on the target system and will launch a variety of attacks on command.
Cisco Releases Annual Security Report
Spammers go low-volume, and 90% of IE browsers are unpatched.
Zero Day Exploits Target Flash
Adobe scrambles to release patches for vulnerable Flash Player.
Intel Unveils Compute Stick
Four-inch-long computer on a stick lets you boot a full Linux system from any HDMI display device.
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New statute would require companies to report break-ins to consumers.
TGXf Project Warns of File Transfer through Screen Pixels
Weird data transfer technique avoids all standard security measures.
Industry Giants Announce a Fix for the Password Mess
FIDO alliance declares the beginning of the end for old-style login authentication.


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Posts filtered on Category
Six times six
I learned multiplication tables at a very young age. Too young, probably, and it didn't pay off in the long run because I'm actually horrible at math, but nonetheless I knew those suckers before I knew ROYGBIV. When it came time to recite them in front of my third grade class, I breezed through because […]
[Read More]
Girls, girls, girls, girls – girls I do adore… (month 6)
They say that "something happens" at 6 weeks postpartum, and everything magically gets easier for mother, father, and baby. I would argue that 6 months is the more accurate time frame; At 183 days old, Jay became more fun than I could've ever dreamed. Prior to, every day was up and down, in and out, […]
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Random 11:45pm doting mother post
I'm that mom. You know the one – she's hopelessly in love and annoyingly obsessed with her child/children. The photographic proof flows abundantly on Facebook. She appears to have nothing else going on in her life except loving and caring for her spawn. She's always armed with an extra diaper (or three), a spare pacifier, […]
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Best Instagram moments of 2013
My 2013 was one big blur. Luckily, I had my iPhone on hand to catch some amazing moments and of course, share them on Instagram. Each of the photos I have chosen and posted below have a story behind them. 13 moments that made 2013 one of my best, most challenging, incredibly fulfilling years ever […]
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A new "Love" thing
As I type this, Today Show anchors are talking about Michael Buble's admitting to not feeling that overwhelming sense of love when he saw his new baby boy for the first time (born August 27th.) After experiencing quite the dramatic childbirth, I'm happy to say that both my husband and I did in fact feel […]
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Son of Marshall – sorry for the baby pic overload!
I can't help it. I've become "that" mom. And I love it! Dad's skin, hair, mouth; mom's wrinkled "concentrating" forehead, nose, eyes. I'm sure all of this will change month to month:
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Making Strides for those I love
I'll never forget the day my role as a wife – and a daughter-in-law – changed drastically. Leaving work, I fumbled in my purse for my cell phone, which I'd been waiting on to ring all afternoon. Finally, it did. And I learned from my mother-in-law that all of our positive hopes about her test […]
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The best (handwritten) pregnancy advice thus far
Earlier in the summer, I blogged about some of the kooky advice I've been given on social media; if you're on it, and you're publicizing your pregnancy or the fact that you're already raising children, you will be offered a boatload of info by friends, family, and those you've never personally spoken to a day […]
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5 things Sweet Valley High taught me about life
From the ages of 9 to 13, I holed up in my bedroom with Baby Sitter's Club books, Teen Magazines and whatever else I could find that would teach me about what-to-expect-when-you're-a-teenager so that I wouldn't have to ask my parents those mortifying pre-teen questions. I felt prepared for whatever was next (and probably at […]
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Reflecting on Valentines past
This post is probably going to be all sorts of mean, but it is what it is. My God, when I think back to Valentine's Days past, back when I was a teen who had no idea what love really was but thought I totally did, I shiver in fear. The what could've-been's scare me […]
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The leather has darkened to a rich honey color. There are a few water marks and scratches on the leather. The shoulder strap shows moderate wear. There are small tears along the top of the interior lining.
Extra 20% off when you BUY! Use promo code 20OFFMAR at checkout.
| ||
Now rent or buy as many items as you wish - and only pay one flat fee to ship everything. There's no limit to the size of your order. And as always, free return shipping on all rentals is included. |


text:
As an airplane is about to crash, a female passenger jumps up frantically and announces, If Im going to die, I want to die feeling like a woman. She removes all her clothing and asks, Is there someone on this plane who is man enough to make me feel like a woman? A man stands up, removes his shirt and says, Here, iron this!.
El baron rojo
Is there any chance to participate even if my country does not appear in the Official Rules section?
Junior Member
How long does it have to be?
you're more skuishi that ashe with warmog and force of nature
There was once an apple... an apple who had heart.... The apple once met a dangerous caterpillar, and with all of his power he tried to evade the caterpillar but it was no use. The caterpillar leaped towards the apple antennae in attack position and within a few seconds it was all over. The apple stood there speechless. Unable to breath because of the wheezing and laughter at the complete fail that was the caterpillar who had missed and fallen out of the tree, the apple collapsed causing him to die. The caterpillar died too. THE END!
"Eligibility. RIOT GAMES, INC., A DELAWARE CORPORATION ("SPONSOR") IS THE SPONSOR OF THIS CONTEST ("CONTEST"). THIS CONTEST IS OPEN ONLY TO CURRENT VALID MEMBERS OF LEAGUEOFLEGENDS.COM (THE "SITE") WHO ARE LEGAL RESIDENTS OF THE UNITED STATES, CANADA, MEXICO, CHILE, ARGENTINA, AUSTRALIA, NEW ZEALAND, SINGAPORE, FRANCE, BELGIUM, THE UNITED KINGDOM, LUXEMBOURG, GERMANY, AUSTRIA, SWITZERLAND, ROMANIA, SWEDEN, SERBIA, FINLAND, DENMARK, NORWAY, SPAIN, IRELAND, RUSSIA, THE NETHERLANDS, SOUTH KOREA, TAIWAN, THE PEOPLE'S REPUBLIC OF CHINA, THE CZECH REPUBLIC, CROATIA, THE UKRAINE, POLAND, BULGARIA, AND HUNGARY WHICH ARE: (i) THIRTEEN (13) YEARS OF AGE OR OLDER AT TIME OF ENTRY ; AND (ii) WHO ARE NOT RESIDENTS OF THE STATE OF ARIZONA OR MASSACHUSETTS, USA, THE PROVINCE OF QUEBEC, CANADA; OR RESIDENTS OF THE AUSTRALIAN STATES OF VICTORIA, QUEENSLAND OR THE AUSTRALIAN CAPITAL TERRITORY" Okay what the hell, It's pretty specific that Australians can't join any LoL competition. Why is that so? I'm really annoyed at this. EDIT. Oh, is specific states? That's even worse! Is there a reason for those states are being rejected in these competitions?
I've gathered from the post on the home page that most fan comics have been humorous. Does my submission have to be something silly or can it be more serious?
You guys should do a contest where you have to write a lore and who ever has the best wins... Because not everyone is good at drawing nor is everyone experienced in Photoshop.
Do you have to draw it with like pencil or pen, or can u take pictures of the game
I was going to dazzle you with my pen art, but you said you like only color.....I am a sad panda.


text:
Search results for Delivery
Tila Tequila Flaunts Post-Baby Body In Nearly Naked Instagram Snap
Feb 17, 2015 3:15PM
Jessica Biel and Justin Timberlake Are Going to Be the Hottest Parents Ever
Nov 5, 2014 11:42AM
"My Vagina Is Back to Normal": TMI? JWOWW Says She Isn't Having Sex for at Least Another Year
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"It's been really crazy": Edgar the Pizza Guy Becomes Local Celebrity – Fans from All Over Asking for Photos and 'Pizza Shipping'
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Not So Jen-uine After All… : Oscar Winner Jared Leto Wonders If Jennifer Lawrence's Antics Are "All an Act"
Mar 7, 2014 2:22PM
Ellen DeGeneres' Epic Oscars Pizza Delivery - All the Details!
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EXCLUSIVE!: Meet Mackenzie Douthit's Newborn Daughter, Jaxie!
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EXCLUSIVE!: It's a Girl! Teen Mom 3 Star Mackenzie Douthit McKee Welcomes Her Second Child (EXCLUSIVE DETAILS)
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All About the Royal Baby: Signs, the Delivery, and More!
Jul 22, 2013 6:15AM


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Start learning with our library of video tutorials taught by experts. Get started
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text:
We have given a hypothetical situation for consideration and asked to provide answers to the questions that follow.
We are asked, if the intruder is liable for what he has done.
The short answer is yes, the intruder is liable for what he has done because he caused injury in the course of committing a crime. In addition to criminal proceedings, the intruder would face civil court for the intentional torts he committed against Sharon and Darryl. The torts included are battery with the intent to cause harm and assault if either saw the coming battery before it occurred.
We are asked, if we have legal responsibilities to Sharon and Darryl.
According to the special relationship we have as owner of the residential rental complex, we do not owe a duty of care to Sharon. As previously noted, an owner of a similar property does not have a duty to protect renters.
Also, we do not owe a duty to Darryl because he performed actions that were outside the scope of his duties as resident manager. An employee represents the employer in an extension of the lack of duty to protect under the special relationship. Hence, while admirable and commendable, Darryl's actions fall outside the duty to perform for the apartment complex.
The appropriate response to the situation would have been to call the authorities with the emergency situation and let them respond accordingly. Documenting any evidence, facts or details would also help the victims of the crime.
There may, however be a question about providing a safe work environment question that could be raised.
We are asked what we should consider doing at our apartments.
Because of the potential of liability for providing a safe work environment, it would be advisable to offer a security system as an upgrade for all apartments on the property or at the very least provide security for the complex that is compensated for through rental proceeds. Spreading the cost of security across the property units would lessen the burden placed on any one tenant.
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POSTED: Wednesday, June 13, 2012 - 9:30pm
UPDATED: Wednesday, June 13, 2012 - 9:34pm
NBC NATIONAL NEWS — Courteney Cox and David Arquette are a step closer to officially ending their marriage.
Arquette filed for divorce from Cox in Los Angeles Superior Court, according to People Magazine.
The magazine reports the Arquette, 40, cited irreconcilable differences and is asking for joint legal and physical custody of their daughter Coco.
Cox, 47, and Arquette announced their separation in 2010.


text:
Tilt and Turn Windows
This versatile window is fully compliant and when correctly assembled and installed has been tested by BSI Testing Ltd. To BS5368, Parts 1, 2 & 3 and meets the requirements of the Classification for Severe Weathertightness BS 6375, Part 1: 1989.
This window features a sophisticated dual action hinge mechanism and from its bottom-hung position, the sash 'tilts' inwards, to provide fresh air without draught. From its side-hung position it 'turns' into the room to make cleaning the outside glass and maintenance easy, and escape in an emergency possible.
>Security espagnolette locking system
> Glazed in 24mm clear low e soft coat argon filled warm edge double glazed units as standard.
>Fully Spray paint or stained finished to any RAL or BS colour. (small photo courtesy of Mitre Master)


text:
The Economy: What Are The Central Bankers Saying?
Weekend Edition Saturday host Scott Simon speaks with Financial Times U.S. economics editor Robin Harding, who attended this year's annual central bankers meeting in Jackson Hole, Wyo.
Copyright © 2012 NPR. For personal, noncommercial use only. See Terms of Use. For other uses, prior permission required.
This is WEEKEND EDITION from NPR News. I'm Scott Simon. Every year at this time, many of the world's central bankers gather in Jackson Hole, Wyoming for an annual economic policy symposium, within sight of snow-capped mountain peaks. The economy continues to be weak in much of the world. A select group of journalists is allowed to attend - and Robin Harding, the U.S. Economics Editor of the Financial Times, is one of those journalists.
He joins us from Jackson Hole. Mr. Harding, thank you for being with us.
ROBIN HARDING: My pleasure, Scott.
SIMON: Ben Bernanke, of course, made a long-awaited speech yesterday. What were people looking for in that speech, hoping to hear, and what did they find?
HARDING: Well, I think markets were looking to hear some promise of future Fed policy party, and of course they didn't get that because Mr. Bernanke is always very careful not to make promises. But what he did do was signal really very clearly that he's not happy with the progress of the economy, and implied by doing that that the Fed is going to keep doing more to do everything that it can in order to try and speed the recovery up.
SIMON: And what is that exactly?
HARDING: Well, the Fed basically has two options left. First, that the Fed could buy more long-term treasury bonds, as it has done before to try and drive down long-term interest rates, the kind of thing that affects your mortgage rates. And that policy is also known as quantitative easing.
The other option is that the Fed could communicate that it intends or expects to keep its regular interest rates, the overnight interest rates, close to 0 for even longer. And at the moment it's kind of forecast that those rates will stay low until late 2014. So another option that it has is to extend that date further into the future.
SIMON: Could you help us understand quantitative easing?
HARDING: What quantitative easing means is that the central bank increases the amounts of assets that it holds. So it will go out into the market and say, we want to buy 10-year bonds or 30-year bonds. And it will take them out of private hands and into its own hands.
And the intention there is by reducing the amounts of 10-year bonds that are floating around out there, it will drive down the interest rates, and therefore make interest rates for regular businesses and households when they get a mortgage or take out a business loan lower. And because those rates are lower, that will stimulate the economy speed of growth, encourage businesses to hire, encourage households to spend.
SIMON: I gather, Robin, that there's another school of thought among these very influential bankers who believe that another round of quantitative easing just won't help at all.
HARDING: There certainly is, and this has been big debate at the conference; and does quantitative easing work, does it actually have an effect on interest rates, and does it actually have an effect on the economy? And what some of the Fed policymakers say is that, look, we've done trillions of dollars of this over the last few years, and it really hasn't made that much difference.
The counter argument to that is if they hadn't done trillions of dollars of this, would the economy not be in an even worse hole that it already is?
SIMON: What do you hear from bankers? Are you able to gauge - for a lack of a better word - the mood that they have as they look at the economy?
HARDING: The mood has become quite pessimistic just because this has dragged on for so much longer than anyone expected it to. I've been following the Fed for a number of years and what's always been the case is people have said next year growth is going to be stronger. Next year we're going to start climbing out of this and get back to normal.
And then every year, some nasty event, like the crisis in Europe and now fears about the fiscal cliff at the end of this year, has come along and kind of set things about. And I think there's a sort of mood of what do we have to do to get the economy going again.
But at the same time, I don't think there's any immediate pessimism about where the U.S. economy is going right now. You don't hear people worrying about recession, you don't people suggesting that we're heading downwards from here. It's just this question, how can we really recover? How can we get things going again?
SIMON: Robin Harding, U.S. Economist Editor of the Financial Times. Thanks so much for being with us.
HARDING: Thank you, my pleasure.
Copyright © 2012 NPR. All rights reserved. No quotes from the materials contained herein may be used in any media without attribution to NPR. This transcript is provided for personal, noncommercial use only, pursuant to our Terms of Use. Any other use requires NPR's prior permission. Visit our permissions page for further information.
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By Mari Cartel, Special to Lifescript
Published June 03, 2011
Currently 3/5 Stars.
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Eat Right to Fight Symptoms of Fibromyalgia
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How to Get Relief from Fatigue Syndrome Symptoms
Questions for Your Doctor: Fibromyalgia
From pain that comes and goes to fatigue that never leaves, fibromyalgia and chronic fatigue syndrome symptoms can zap your motivation and take over your life. So why can't you find the relief you need? Fibromyalgia expert Jacob Teitelbaum, M.D., shares how to avoid a misdiagnosis, find a specialist and get the right treatment...
Another day, another pain. It's just part of getting older, right?
Don't be so sure, says Jacob Teitelbaum, M.D., director of the nationwide network of Fibromyalgia and Fatigue Centers, and a CFS sufferer himself.
Unexplained pain could mean that you have fibromyalgia (FM) or chronic fatigue syndrome (CFS), closely related conditions that share symptoms like muscle pain, tiredness and memory problems.
In the past, FM and CFS weren't accepted as real medical disorders – leading to misdiagnoses and ineffective therapies. But by learning about these often-misunderstood conditions, patients can get better treatment sooner.
In this exclusive Lifescript interview, Teitelbaum dispels misconceptions about fibromyalgia and CFS, and shares an easy-to-follow treatment plan.
What are fibromyalgia and chronic fatigue syndrome?
If you just have unexplained, severe fatigue – or widespread pain and insomnia in addition to chronic fatigue – you may have fibromyalgia or chronic fatigue syndrome.
It's the same illness for most patients [but some people have pain without fatigue, and some have fatigue without pain].
What should people do if they have these fatigue syndrome symptoms?
Visit your doctor to make sure it's not overt thyroid issues. That's because doctors often miss thyroid problems in blood testing. Your doctor should also rule out anemia, cancer and diabetes.
Unfortunately, studies show that even after a doctor has done a basic check-up and blood tests, fibromyalgia and chronic fatigue syndrome symptoms are still often misdiagnosed.
What are these disorders mistaken for?
Doctors might say you're depressed or that you're imagining the illness.
If doctors have ruled out dangerous things [like cancer or diabetes], thank them, and then go find a doctor who specializes in treating fibromyalgia and chronic fatigue syndrome symptoms.
You can find one on
Lifescript's Doctor Finder
Or check out
fibromyalgia and fatigue center
, located around the country. You can also visit one of the country's 1,400 board-certified
holistic physicians
So, some doctors still refuse to acknowledge fibromyalgia or chronic fatigue syndrome symptoms?
Absolutely. There's no test to positively diagnose these diseases.
Plus, it's an illness that is complex and takes a lot of time to evaluate properly – which can't be done in a six-minute doctor visit.
But [now doctors are more aware of these illnesses] because drug companies are advertising new fibromyalgia drugs [Savella (milnacipran) and Cymbalta (duloxetine)]. More doctors will learn about these disorders and recognize them in the future.
Have other conditions been misdiagnosed this way?
The same thing happened with lupus in the past. When I was in medical school, it was the same thing: People with lupus were being told they were imagining their illness.
Then, the ANA titer test [a blood test that looks at antinuclear antibodies (ANA) to help diagnose lupus] was introduced. Suddenly, doctors went from saying these patients were imagining their illness to diagnosing them with lupus.
That's what's happening now with fibromyalgia and chronic fatigue syndrome.
Do FM and CFS affect women and men equally?
These illnesses affect predominantly women, which is the case for most autoimmune diseases such as multiple sclerosis, rheumatoid arthritis and lupus.
Are FM and CFS becoming more common?
Unfortunately, yes. We're seeing the number of patients with these disorders skyrocket.
Why are so many more women suffering from fibromyalgia or chronic fatigue syndrome symptoms?
Many of us spend more energy than we make. That's because we often get over half our daily calories from sources – like sugar, white flour and fat – that are virtually devoid of vitamins and minerals.
Plus, there are about 80,000 chemicals in the environment that block function throughout the body [which slows down energy production].
How else do our lifestyles aggravate fibromyalgia or chronic fatigue syndrome symptoms?
We have excess stress – just watch the news these days. Everything is a crisis. Fear sells – as opposed to the old days when it was sex that sold.
This tension is dragging people down and causing an energy crisis in their bodies.
Why is the 24-hour news cycle bad for our health?
It scares us and exhausts our adrenal glands [which produce cortisol, a hormone that helps the body respond to stress].
It's OK to watch the news when it's enjoyable. But when it stops feeling good, move on – grab the remote and click it off or change to a comedy channel. It helps your adrenals heal.
Are we getting close to finding a cure for fibromyalgia or chronic fatigue syndrome symptoms
There are still many pieces of the puzzle to put together, so we can go from effective treatment to a cure.
How can a person with fibromyalgia or chronic fatigue syndrome symptoms feel better?
Pay attention to how you feel. Pain is like the red flashing light on your dashboard saying something needs attention. If you ignore that light, the motor's going to burn out.
You need to find the cause of the pain.
I use one simple word to help people manage pain: SHINE. It can help you become pain-free and increase energy:
Get eight hours of sleep every night. Not enough sleep can contribute to not only fatigue, but also pain.
Hormonal support
Find out if you have a hormone deficiency, which can worsen fibromyalgia or chronic fatigue syndrome symptoms.
Also, if you're entering perimenopause, you may experience thyroid or adrenal issues because your estrogen is dropping. Eat a handful of edamame (green soybeans) each day to balance your estrogen levels.
Infections and inflammation.
Make sure to treat them, especially candida. Yeast, sinus, bowel, viral and bacterial infections may be a cause or side effect of fibromyalgia or chronic fatigue syndrome.
When you treat candida, most people find that sinusitis and colon problems go away.
I also suggest ingesting probiotics.
Nutritional support.
Buy a vitamin powder drink mix with ribose, which increases energy and helps ease pain. It's a sugar, but a healthy one.
Go for a walk and you'll find that your pain may go away before it becomes chronic.
To learn more about fibro and get expert information and advice, visit our
Fibromyalgia Health Center
How Much Do You Know About Fibromyalgia?
Described by Hippocrates as far back as ancient Greece, fibromyalgia is one of the world's oldest medical mysteries. The disease – a complex illness marked by chronic muscle, tendon and ligament pain, fatigue and multiple tender points on the body – affects about 2% percent of Americans, most of them women.
How much
do you know about fibromyalgia?
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Quiksilver Gear
Quiksilver Shirts
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$20 to $40
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Product ID: 1096444
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Order now, receive no later than Tuesday, March 10th. Some limitations apply.
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Doug Friman
2004 Olympic Team Alternate
2003 Pan American Games Team Member
1998-99 Resident Team Member
Hometown: Alameda, Calif.
Resides: Tucson, Ariz.
College: Cornell University
Height: 6-4
Weight: 180
Birthdate: 8/29/75
Birth place: Edinburgh, Scotland
Years Elite: 10
Final 2007 ITU Rank: 75
Final 2007 USAT Rank:
Personal: Douglas Worthy Friman (pronounced free-man)… Born Aug. 29, 1975 in Edinburgh, Scotland… Has both British and American citizenship... Earned a B.A. in history from Cornell in 1997… One of the tallest elite triathletes in the world... Known for having a laid back attitude towards life and triathlon. Mother says that he only moves fast in races... Has no foreign language skills... Fan of NASCAR and WWF wrestling... Loves to wear Vans shoes... Avid reader and DVD movie watcher... Favorite authors are John MacPhee and Pat Conroy... Favorite movies are The Big Blue and For Love of the Game... Least favorite part about living outside of United States is the inability to find good peanut butter and current movies in English... His cousin Steve Worthy competed in the butterfly at the 2000 Olympic swimming trials... Inspired by Tim DeBoom´s 2001 Ironman win.
Elite Triathlon Career: Was the alternate for the 2004 Olympic team due to his finishes in the three qualifying races… Qualified for the 2004 world championship team by virtue of his No. 2 U.S. ranking at the cutoff date… Qualified for 2003 world championship team because he was ranked third in the U.S. by the cutoff date… Reached his first World Cup podium in 2003 at Corner Brook, Newfoundland, where he finished third… In 2003, became a member of KINeSYS Professional Triathlon Team... Qualified for the 2003 Pan American Games team as the first U.S. finisher at the Clermont International Triathlon... Spent fall 2001 training with coach Brett Sutton´s squad in Sao Carlos, Brazil... Based in Europe in the summer of 2001 racing for German Team Asics Witten... Spent winter 2000-1 in Australia training under Col Stewart on the Gold Coast... Was the second alternate for the 2000 Olympic Team after finishing as the fifth American at the U.S. Olympic Team Trials in Irving, Texas... Barely qualified to compete at Olympic trials... First out of the water and was in front for much of the race at trials, but lost ground on the run... Won first elite race at the last event of the 1999 season, the Ixtapa (Mexico) International… From 1995 has worked his way through the USAT athlete pipeline from junior team to collegiate team to resident team to national team.
Amateur Triathlon Career: At the 1997 ITU World Championship, was the fifth fastest amateur and the fastest U.S. amateur… Placed eighth at the 1997 USA Triathlon National Championship… Finished ninth at the Powerman Colorado Duathlon in Mount Evans… Was second in the 20-24 age-group at the 1996 ITU World Championship… In 1995, was not beaten in a domestic junior race… Only loss came at the World Championship where he was ninth and the fastest U.S. junior… First junior and second amateur overall at the 1995 National Championship; would have placed 11th had he competed in the elite division… Member of the 1995 USA Triathlon Junior National Team… In 1993 and 1994, was third in the junior division at the National Championship… In 1988, won the IronKids National Championship for 13-year-olds… In 1985, won the junior division at the inaugural IronKids National Championship.


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Yesterday, I wrote about five tips for setting up your online jewelry business. Once you have your online shop set up and filled with inventory, it's time to manage that inventory effectively so that you get the most out of your online jewelry business.
Promote, promote, promote. There are lots of great Facebook share and Twitter buttons in most online marketplaces, and you should be putting these to good use! "Like" your own items in your online shop so that your friends on Facebook see what you have available in your shop, or blog about them with links back to your online shop. Getting more links out there in cyberspace means you can be driving more traffic back to your shop.
Another way to promote your online jewelry business is to create a Facebook page for your business and use it every day to promote one or two items from your shop. Some folks even offer a special discount on the featured items of the day in order to get more sales. You can also promote your business page through your personal Facebook page to get more followers.
Organize your inventory. Put your finished jewelry into categories that will allow buyers to easily find what they are looking for. If you have a hundred items in your shop, buyers aren't going to want to sift through each item to find a pair of earrings or a beaded bracelet. Getting creative with your categories is okay, as long as it's still obvious what buyers will find there. Try using "Beaded Art for the Neck" instead of "Necklaces", or "Wrist Adornments" instead of just the generic "Bracelets".
Keep your inventory up to date. If you give away or donate an item from your inventory, make sure you remove it from your online shop, especially if the item is a one-of-a-kind piece of beaded jewelry! You really don't want to have to cancel a sale and email a customer to tell them that the item they ordered is no longer available. When I sold my finished beaded jewelry at local craft shows and farmer's markets, I always made sure to close my online shop or put it in "vacation" mode to avoid this.
You should also keep your online shop well-stocked. A recent thread in the Beading Daily forums suggests that you need to have a minimum of one hundred items in your online shop! It might seem like a lot, but really, that's about the number of items you should have when you set up at a craft show or market.
Keep at it. Don't be discouraged if you set up an online shop and don't sell out within the first few days. Building up a customer base takes time, just as it does when you have a brick-and-mortar jewelry business. But stick with it, do your homework, and keep producing quality pieces of handmade beaded jewelry. Like anything worth doing, building a successful online jewelry business takes time and effort, but the payoff is priceless: getting to do what you love and earn money doing it!
Do you have any other questions or advice for someone who wants to set up and run an online jewelry business? Are there any other aspects of running a jewelry business that you'd like to see addressed in future blogs here on Beading Daily? Leave a comment and let us know!
Bead Happy,
Nice article, thank you! Id really like to read about how others handle the inventory for themselves? How they keep t rack of their own jewelry, what process do they go through from when they finish making a piece to selling it.
Inventory has been a big challenge for me. A quick way to keep inventory is to take pictures and keep an inventory album. It can be very time consuming to hand write or type a description of individual pieces. I keep my inventory listed by price ranges in increments of 10 so 0-$10 11-$20 and so on this gives me a quicker inventory and lets me see what price ranges are the most popular for each type of jewelry. There are also applications that can help manage your inventory one of the is called Stick Labs (http://www.stitchlabs.com/) I have not personally used it yet but am considering it because I have trouble keeping on top of my inventory which is truly critical to knowing whether your business is successful or not! Hope this helps!
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TEXAS POLITICS: Abortion debate should broaden
Lt. Gov. David Dewhurst, who is running for re-election, has occasionally noted a fact that can be aimed at the oft-mentioned descriptor of the state's new abortion laws as "sweeping."
He said one part of the law, which moved closer to being implemented in state health agencies Thursday, isn't as grand as it may seem.
The law puts more strict measures on abortion clinics, requires most FDA guidelines for abortion-inducing drugs and mandates doctors have admitting privileges in hospitals near the clinics.
All of those parts of the new law are aimed at improving women's health, not at regulating abortion to death in the state, conservative legislators have said.
One portion of the law, however, does limit abortion. It says abortion is not allowed after 20 weeks of pregnancy except in the case of a severe fetal abnormality or major harm to the woman. That is reduced from 24 weeks.
Dewhurst pointed out the general gestational limit for abortions in many European countries comes significantly earlier.
According to the International Planned Parenthood Federation's 2009 "Abortion Legislation in Europe" report, France has gestational limits for up to 12 weeks "if the woman judges to be in a 'state of distress' because of her pregnancy."
Germany also has the 12-week limit, allowing abortion if there is distress, rape or another sexual crime.
Greece allows abortion at 12 weeks on request.
The same general gestational limit is generally true for Iceland, Latvia and Moldova, up to 13 weeks on request in the Netherlands, and so forth for many of the European nations surveyed. Other nations generally thought of as Catholic, such as Poland and Ireland, have more strict rules, permitting abortion only in extreme cases.
Does this mean European nations are less progressive/liberal in this regard?
John Seago, the Texas Right to Life legislative director, said it would seem so.
"It is surprising to most Americans that European countries that are far-left leaning in other issues" would have such policies, he said.
NARAL Pro-Choice Texas Director Heather Busby, however, said looking solely at gestational limits is simplistic.
European countries have universal health care, more progressive attitudes toward sex education and "talk openly about sexuality," Busby said.
Looking at worldwide abortion policies, the pro-abortion rights advocacy group the Guttmacher Institute online notes:
"Highly restrictive abortion laws are not associated with lower abortion rates. For example, the abortion rate is high, at 29 and 32 abortions per 1,000 women of childbearing age in Africa and Latin America, respectively — regions where abortion is illegal under most circumstances in the majority of countries. In Western Europe, where abortion is generally permitted on broad grounds, the abortion rate is 12 per 1,000."
"Where abortion is legal on broad grounds, it is generally safe, and where it is illegal in most circumstances, it is generally unsafe. For example, in the United States, where abortion is legal on broad grounds, induced abortion results in 0.6 deaths per 100,000 procedures. In Latin America and sub-Saharan Africa, abortion results in 30 and 460 deaths per 100,000 procedures, respectively."
Busby said a culture change is necessary in the United States before such a comparison can be made.
For Seago, the consideration of lower gestational rates in Europe indicates the abortion debate in the United States has become bogged down, and serious issues about when a person is afforded legal rights aren't engaged.
"Debate in the U.S. is focused on vague and distracting talking points, not the core moral issues in the debate," Seago said. "The discussion becomes chanting on both sides."
When challenges arise against the new law, the chanting may continue. Ideally, thoughtful discussion will as well.
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Promoting our little fun run! by Power - about 2 years ago
"The Madhattan Run is a 32 mile Ultramarathon around the Island of Manahattan. Custom ink has helped us create the Hoodies and Tshirts that we are wearing around New York at various events and occas..." view full details
On your mark. . .get set. . . by TGCRun4Water - over 2 years ago
"A group of us have a heart to see things in the world made new and better, and have a heart for people who do not have clean water across the world. So we decided to run to raise funds to instill a..." view full details
Bos Still Runs the Marathon by Team Bos - over 2 years ago
"My friend, Meghan "Bos" Boswell was all set to run the NYC Marathon until Sandy had other plans for the city. Even though the marathon was cancelled, she still ran 26.2 miles in Central Park - doin..." view full details
Team Angela's Angels, making strides & saving one Breast at a time by Angela and Michael - over 2 years ago
"The picture was taken at the 2012 Making Strides Against Breast Cancer Walk in Central Park in October. The ladies of our team are wearing team "Angela's Angels" t-shirts and posing can-can style. ..." view full details
Pink Ladies Making Strides for Breast Cancer by Marion - over 2 years ago
"This picture is of family and friends getting together to support Making Strides Against Breast Cancer in Central Park New York City on October 22nd 2012. I started doing this walk back in 2001 whe..." view full details
We Fight Like Girls by Team WFIS - over 2 years ago
"American Cancer Society Making Strides Against Breast Cancer Walk in Central Park, NY 2012 We decided we wanted to try a new look with the team shirt and I'm glad we did - everyone loved the shirt..." view full details
NY Red Hawks by NY Red Hawks - over 2 years ago
"New York City EMS Softball League Playoff Game in Central Park's North Meadow Baseball Fields" view full details
Rauer Power fights breast cancer! by Rauer Power - over 2 years ago
"Rauer Power participated in the 2012 Susan G. Komen Race for the Cure in Central Park, NY in September. This was our first year walking in this event and it was an awesome and inspiring experience...." view full details
The MORE The Merrier! by Esther Rubinstein - over 2 years ago
"A group of us ran the 2012 More Magazine Women's Half Marathon in Central Park on 4/15/2012, an all-women's race that for some of us, it was the first time running a half marathon. We wanted a shir..." view full details
Halfway thru the Revlon 5K by Sadie K - almost 3 years ago
"Sadie K. formed Team Sadie as part of her service project she undertook as part of having a Bat Mitzvah. She and nine other seventh grade girls raised $7,000 for women's cancer through the Revlon 5..." view full details


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K&H Pet Products Thermo-Kitty Sill
Item # WX2-421409
- Google+
This item is shipped directly from the factory. To see the expected shipping date, please add to your Shopping Cart. Sorry, no express shipping available. We are unable to ship factory direct items to Alaska, Hawaii, Puerto Rico or APO or FPO addresses.
- Details & Specs
K&HTM Pet Products Thermo-Kitty SillTM. A heated, safe window perch for your cat.
Quick: Name a cat who does not want to sit and look out the window. Can't think of any, can you? This warm, secure perch makes it possible for Kitty to hang out as long as he likes, watching in wonderment at squirrels, birds, cars and pedestrians. Advanced engineering makes this oval-shaped Sill strong, easy to assemble, and attractive.
A dual-thermostat 6W heating unit is hidden deep within super soft orthopedic foam and is removable for year-round comfort. Heater is pre-set to keep sleeping surface 12 to 15 degrees above ambient air temperature. When Kitty's on it, heater warms up to complement his temperature range. No assembly, just use the provided hook-and-loop fasteners. Screws included for a more permanent attachment. For indoor use only. MET-listed. 1-year warranty. 14 x 24".
- Reviews
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Mossy Oak 27x36" Pet Bed
Buyer's Club $17.99 Non-Members $19.99 -
Zero Odor Dog Lover's Kit
Buyer's Club $26.99 Non-Members $29.99
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Waterproof Pet Seat Cover
Buyer's Club $16.19 Non-Members $17.99 -
Paw Print Waterproof Car Seat Cover
Buyer's Club $16.19 Non-Members $17.99 -
Metal Folding Pet Steps
Buyer's Club $44.99 Non-Members $49.99


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HitchMate® TruckStep
Item # WX2-135383
- Google+
This item is shipped directly from the factory. To see the expected shipping date, please add to your Shopping Cart. Sorry, no express shipping available. We are unable to ship factory direct items to Alaska, Hawaii, Puerto Rico or APO or FPO addresses.
This item cannot ship to Canada.
This item cannot ship internationally.
- Details & Specs
HitchMate® Receiver - mount TruckStepTM allows easy entry into your truck bed!
A simple-but-clever design to give you a big leg-up when loading and unloading your pick-up! The TruckStepTM fits most 2 x 2" receiver hitches, extending 23 1 / 2 " for use when the tailgate is down. When not in use, just slide it in and flip the step up.
Made of heavy-duty corrosion-resistant zinc-plated steel, the TruckStep is able to support up to 500 lbs.! The QuickPin holds the step in place (no cotter pin needed) and can be locked to prevent theft (padlock not included).
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10-ton 4"x30' Tow Strap
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GM 1/2" Drive Electric Impact Wrench
Buyer's Club $71.99 Non-Members $79.99


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What does ATOL mean in Travel & Tourism?
This page is about the meanings of the acronym/abbreviation/shorthand ATOL in the Community field in general and in the Travel & Tourism terminology in particular.
Find a translation for ATOL in other languages:
Select another language:
Discuss this ATOL abbreviation with the community:
Use the citation below to add this abbreviation to your bibliography:
"ATOL." Abbreviations.com. STANDS4 LLC, 2015. Web. 28 Feb. 2015. <http://www.abbreviations.com/term/356304>.
ATOL also stands for:
- Affordable Technolgy On-Line
- Air Tour Operators License
- Air Travel Orgainsers License
- Air Travel Organiser Licensing
- Air Travel Organisers' Licensing
... and 2 more »
Nearby & related abbreviations:
Alternative search:
- Search Air Travel Organisers Licence on Amazon
- Search Air Travel Organisers Licence on Google


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Remembering the Holocaust
Do you or someone you know, enjoy reading about WWII? It's a very popular topic.
Though Holocaust Remembrance Day officially took place on Sunday, April 27, there are many titles available year-round at the Detroit Lakes Library to help those interested learn more about World War II and one of its greatest tragedies.
"The Man Who Broke into Auschwitz: A True Story of World War II," by Denis Avey with Rob Broomby.
Are you a newspaper subscriber but you don't have a Digital Access account yet? https://secure.forumcomm.com/?publisher_ID=40&event=subscriber/lookup.
You will need your subscription account number and phone number. Not sure if you have an account? Email us at email@example.com and we can help you.


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First Niagara Bucks Trend on Rough Day for Bank Stocks
NEW YORK (TheStreet) -- Shares of First Niagara Financial Group (FNFG - Get Report) on Friday were up 0.9% to close at $8.64, which was quite a contrast to the slide for most other bank stocks.
The positive vibes from Thursday's report of strong fourth-quarter GDP growth in the United States couldn't keep domestic markets from following overseas markets lower, with renewed pressure on several emerging market currencies, including those of Hungary, Turkey, South Africa, Russia and Poland.
The Dow Jones Industrial Average
Disappointing earnings results didn't help. Shares of Amazon (AMZN) were down 11% to 358.69, after the world's largest Internet retailer reported fourth-quarter earnings of $239 million, or 51 cents a share, which was well shy of the consensus EPS estimate 66 cents among analysts polled by Thomson Reuters. Jim Cramer said it was "no time to panic on Amazon," after a "classic freak-out," and that as the retailer will be more profitable when it raises prices on Amazon Prime.
Domestic economic news was mixed, with the Bureau of Economic Analysis saying personal spending during December had risen 0.4% in December from November, slightly ahead of the consensus estimate of a 0.3% increase. But personal income during December increased less than 0.1%. Economists had expected a 0.2% increase in personal income. Disposal personal income (DPI) was down by $3.8 billion, or less than 0.1%. The Institute for Supply Management (ISM) on Friday said the Chicago Purchasing Managers Index (Chicago PMI) for declined to 59.6 in January from 60.8 in December, "the third consecutive monthly fall following October's jump to the highest since March 2011. The Chicago PMI came in ahead of the consensus estimate of 59.3, and the ISM said "remained firm and consistent with the recent pick-up in GDP. A PMI number above 50 indicates expansion of manufacturing activity. The KBW Bank Index (I:BKX) was down 1.5% to 67.33, with all 24 component stocks seeing losses except for First Niagara.Shares of Bank of America (BAC - Get Report) were down 1.1% to $16.75, after New York State Supreme Court Justice Barbara Kapnick approved most of the $8.5 billion mortgage putback settlement the bank agreed to with a group of institutional investors back in June 2011. The settlement was meant to cover all the investors' claims against Countrywide Financial, which Bank of America disastrously acquired during the mortgage meltdown in July 2008. Investors agreement to the settlement included Pimco BlackRock (BLK), Goldman Sachs (GS) and the Federal Reserve Bank of New York, however, American International Group (AIG) continues to fight the settlement. First Niagara Shares of First Niagara of Buffalo, N.Y., have declined 19% this year. The shares trade for 11.8 times the consensus 2015 EPS estimate of 73 cents, which isn't very cheap when considering the company this week announced a massive four-year investment program to improve its operating performance.
CEO Gary Crosby during the company's fourth-quarter earnings call on Jan 24 -- when Fist Niagara's stock slid 12% -- said the bank's goal was to achieve a return on assets (ROA) ranging from 1.15% to 1.20%, while lowering its efficiency ratio to the mid-50s range. The efficiency ratio is a bank's overhead as a percentage of revenue. First Niagara's 2013 ROA was 0.80% during 2013, and its efficiency ratio was 63.82%. The company's goals are all well and good, but cannot be achieved until 2018, according to Crosby. Crosby was appointed interim CEO of First Niagara last march, after the abrupt resignation of former CEO John Koelmel, who had led the company though a series of acquisitions that had more than quadrupled the bank's assets over five years, while cutting the bank's quarterly dividend in half and completing a dilutive common-stock offering late in 2011.
Please see Should You Wait for First Niagara to Get Its Act Together? for much more on the bank's fourth-quarter results, its planed investments of $200 to $300 million over the next four years, and its history of acquisitions. This chart shows the performance of First Niagara's stock against the KBW Bank Index and S&P 500 since the end of 2011:
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Citigroup Debate Continues as Global Fears Extend JPMorgan Has Major Upside When Short-Term Rates Rise Follow @PhilipvanDoorn
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