text:
(Mark One)
For the quarterly period ended June 30, 2012
For the transition period from to
Commission File Number 000-20202
(Exact name of registrant as specified in its charter)
Registrant's telephone number, including area code: 248-353-2700
Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes þ No o
Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files). Yes þ No o
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See the definitions of "large accelerated filer," "accelerated filer" and "smaller reporting company" in Rule 12b-2 of the Exchange Act.
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes o No þ
The number of shares of Common Stock, par value $0.01, outstanding on July 20, 2012 was 24,541,455.
See accompanying notes to consolidated financial statements.
See accompanying notes to consolidated financial statements.
See accompanying notes to consolidated financial statements.
See accompanying notes to consolidated financial statements.
The accompanying unaudited consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America ("generally accepted accounting principles" or "GAAP") for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by GAAP for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included. The results of operations for interim periods are not necessarily indicative of actual results achieved for full fiscal years. The consolidated balance sheet as of December 31, 2011 has been derived from the audited financial statements at that date but does not include all the information and footnotes required by GAAP for complete financial statements. For further information, refer to the consolidated financial statements and footnotes thereto included in the Annual Report on Form 10-K for the year ended December 31, 2011 for Credit Acceptance Corporation (the "Company", "Credit Acceptance", "we", "our" or "us").
The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the amounts reported in the financial statements and accompanying notes. Actual results could differ from those estimates.
We have evaluated events and transactions occurring subsequent to the consolidated balance sheet date of June 30, 2012 for items that could potentially be recognized or disclosed in these financial statements. We did not identify any items which would require disclosure in or adjustment to the financial statements, except as disclosed in Note 13 of these consolidated financial statements.
Since 1972, Credit Acceptance has offered automobile dealers financing programs that enable them to sell vehicles to consumers, regardless of their credit history. Our financing programs are offered through a nationwide network of automobile dealers who benefit from sales of vehicles to consumers who otherwise could not obtain financing; from repeat and referral sales generated by these same customers; and from sales to customers responding to advertisements for our product, but who actually end up qualifying for traditional financing.
We refer to automobile dealers who participate in our programs and who share our commitment to changing consumers' lives as "Dealers". Upon enrollment in our financing programs, the Dealer enters into a dealer servicing agreement with us that defines the legal relationship between Credit Acceptance and the Dealer. The dealer servicing agreement assigns the responsibilities for administering, servicing, and collecting the amounts due on retail installment contracts (referred to as "Consumer Loans") from the Dealers to us. We are an indirect lender from a legal perspective, meaning the Consumer Loan is originated by the Dealer and assigned to us.
We have two programs: the Portfolio Program and the Purchase Program. Under the Portfolio Program, we advance money to Dealers (referred to as a "Dealer Loan") in exchange for the right to service the underlying Consumer Loans. Under the Purchase Program, we buy the Consumer Loans from the Dealers (referred to as a "Purchased Loan") and keep all amounts collected from the consumer. Dealer Loans and Purchased Loans are collectively referred to as "Loans". The following table shows the percentage of Consumer Loans assigned to us based on unit volumes under each of the programs for each of the last six quarters:
2. DESCRIPTION OF BUSINESS – (Continued)
Portfolio Program
As payment for the vehicle, the Dealer generally receives the following:
We record the amount advanced to the Dealer as a Dealer Loan, which is classified within Loans receivable in our consolidated balance sheets. Cash advanced to the Dealer is automatically assigned to the Dealer's open pool of advances. We generally require Dealers to group advances into pools of at least 100 Consumer Loans. At the Dealer's option, a pool containing at least 100 Consumer Loans can be closed and subsequent advances assigned to a new pool. All advances within a Dealer's pool are secured by the future collections on the related Consumer Loans assigned to the pool. For Dealers with more than one pool, the pools are cross-collateralized so the performance of other pools is considered in determining eligibility for Dealer Holdback. We perfect our security interest in the Dealer Loans by taking possession of the Consumer Loans, which list us as lien holder on the vehicle title.
The dealer servicing agreement provides that collections received by us during a calendar month on Consumer Loans assigned by a Dealer are applied on a pool-by-pool basis as follows:
If the collections on Consumer Loans from a Dealer's pool are not sufficient to repay the advance balance and any other amounts due to us, the Dealer will not receive Dealer Holdback.
Dealers have an opportunity to receive an accelerated Dealer Holdback payment each time 100 Consumer Loans have been assigned to us. The amount paid to the Dealer is calculated using a formula that considers the forecasted collections and the advance balance on the related Consumer Loans.
Since typically the combination of the advance and the consumer's down payment provides the Dealer with a cash profit at the time of sale, the Dealer's risk in the Consumer Loan is limited. We cannot demand repayment of the advance from the Dealer except in the event the Dealer is in default of the dealer servicing agreement. Advances are made only after the consumer and Dealer have signed a Consumer Loan contract, we have received the original Consumer Loan contract and supporting documentation, and we have approved all of the related stipulations for funding. The Dealer can also opt to repurchase Consumer Loans that have been assigned to us under the Portfolio Program, at their discretion, for a fee.
For accounting purposes, the transactions described under the Portfolio Program are not considered to be loans to consumers. Instead, our accounting reflects that of a lender to the Dealer. The classification as a Dealer Loan for accounting purposes is primarily a result of (1) the Dealer's financial interest in the Consumer Loan and (2) certain elements of our legal relationship with the Dealer.
Purchase Program
The Purchase Program differs from our Portfolio Program in that the Dealer receives a one-time payment from us at the time of assignment to purchase the Consumer Loan instead of a cash advance at the time of assignment and future Dealer Holdback payments. For accounting purposes, the transactions described under the Purchase Program are considered to be originated by the Dealer and then purchased by us.
2. DESCRIPTION OF BUSINESS – (Concluded)
Program Enrollment
Dealers may enroll in our program by choosing one of our two enrollment options (referred to as "Option A" and "Option B"). In recent years, the terms of Option A have remained consistent while the terms of Option B have varied. The following table summarizes the terms of our enrollment options:
For Dealers enrolling in our program, access to the Purchase Program is typically only granted after the first accelerated Dealer Holdback payment has been received under the Portfolio Program.
Business Segment Information
We currently operate in one reportable segment which represents our core business of offering Dealers financing programs and related products and services that enable them to sell vehicles to consumers, regardless of their credit history. The consolidated financial statements reflect the financial results of our one reportable operating segment.
Loans Receivable and Allowance for Credit Losses
Consumer Loan Assignment. For accounting purposes, a Consumer Loan is considered to have been assigned to us after all of the following has occurred:
Portfolio Segments and Classes. We are considered to be a lender to our Dealers for Consumer Loans assigned under our Portfolio Program and a purchaser of Consumer Loans assigned under our Purchase Program. As a result, our Loan portfolio consists of two portfolio segments: Dealer Loans and Purchased Loans. Each portfolio segment is comprised of one class of Consumer Loan assignments, which is Consumer Loans with deteriorated credit quality that were originated by Dealers to finance consumer purchases of vehicles and related ancillary products.
Dealer Loans. Amounts advanced to Dealers for Consumer Loans assigned under the Portfolio Program are recorded as Dealer Loans and are aggregated by Dealer for purposes of recognizing revenue and evaluating impairment. We account for Dealer Loans in a manner consistent with loans acquired with deteriorated credit quality. The outstanding balance of each Dealer Loan included in Loans receivable is comprised of the following:
3. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES – (Continued)
An allowance for credit losses is maintained at an amount that reduces the net asset value (Dealer Loan balance less the allowance) to the value of forecasted future cash flows discounted at the yield established at the time of assignment. This allowance calculation is completed for each individual Dealer. The discounted value of future cash flows is comprised of estimated future collections on the Consumer Loans, less any estimated Dealer Holdback payments. We write off Dealer Loans once there are no forecasted future cash flows on any of the associated Consumer Loans, which generally occurs 120 months after the last Consumer Loan assignment.
Future collections on Dealer Loans are forecasted based on the historical performance of Consumer Loans with similar characteristics, adjusted for recent trends in payment patterns. Dealer Holdback is forecasted based on the expected future collections and current advance balance of each Dealer Loan. Cash flows from any individual Dealer Loan are often different than estimated cash flows at the time of assignment. If such difference is favorable, the difference is recognized prospectively into income over the remaining life of the Dealer Loan through a yield adjustment. If such difference is unfavorable, a provision for credit losses is recorded immediately as a current period expense and a corresponding allowance for credit losses is established. Because differences between estimated cash flows at the time of assignment and actual cash flows occur often, an allowance is required for a significant portion of our Dealer Loan portfolio. An allowance for credit losses does not necessarily indicate that a Dealer Loan is unprofitable, and during the last several years, very seldom were cash flows from a Dealer Loan insufficient to repay the initial amounts advanced to the Dealer.
Purchased Loans. Amounts paid to Dealers for Consumer Loans assigned under the Purchase Program are recorded as Purchased Loans and are aggregated into pools based on the month of purchase for purposes of recognizing revenue and evaluating impairment. We account for Purchased Loans as loans acquired with deteriorated credit quality. The outstanding balance of each Purchased Loan pool included in Loans receivable is comprised of the following:
An allowance for credit losses is maintained at an amount that reduces the net asset value (Purchased Loan pool balance less the allowance) to the value of forecasted future cash flows discounted at the yield established at the time of assignment. This allowance calculation is completed for each individual monthly pool of Purchased Loans. The discounted value of future cash flows is comprised of estimated future collections on the pool of Purchased Loans. We write off pools of Purchased Loans once there are no forecasted future cash flows on any of the Purchased Loans included in the pool, which generally occurs 120 months after the month of purchase.
Future collections on Purchased Loans are forecasted based on the historical performance of Consumer Loans with similar characteristics, adjusted for recent trends in payment patterns. Cash flows from any individual pool of Purchased Loans are often different than estimated cash flows at the time of assignment. If such difference is favorable, the difference is recognized prospectively into income over the remaining life of the pool of Purchased Loans through a yield adjustment. If such difference is unfavorable, a provision for credit losses is recorded immediately as a current period expense and a corresponding allowance for credit losses is established.
Credit Quality. Substantially all of the Consumer Loans assigned to us are made to individuals with impaired or limited credit histories or higher debt-to-income ratios than are permitted by traditional lenders. Consumer Loans made to these individuals generally entail a higher risk of delinquency, default and repossession and higher losses than loans made to consumers with better credit. Since most of our revenue and cash flows are generated from these Consumer Loans, our ability to accurately forecast Consumer Loan performance is critical to our business and financial results. At the time the Consumer Loan is submitted to us for assignment, we forecast future expected cash flows from the Consumer Loan. Based on these forecasts, an advance or one-time purchase payment is made to the related Dealer at a price designed to achieve an acceptable return on capital.
3. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES – (Continued)
We monitor and evaluate the credit quality of Consumer Loans on a monthly basis by comparing our current forecasted collection rates to our initial expectations. We use a statistical model that considers a number of credit quality indicators to estimate the expected collection rate for each Consumer Loan at the time of assignment. The credit quality indicators considered in our model include attributes contained in the consumer's credit bureau report, data contained in the consumer's credit application, the structure of the proposed transaction, vehicle information and other factors. We continue to evaluate the expected collection rate of each Consumer Loan subsequent to assignment primarily through the monitoring of consumer payment behavior. Our evaluation becomes more accurate as the Consumer Loans age, as we use actual performance data in our forecast. Since all known, significant credit quality indicators have already been factored into our forecasts and pricing, we are not able to use any specific credit quality indicators to predict or explain variances in actual performance from our initial expectations. Any variances in performance from our initial expectations are the result of Consumer Loans performing differently than historical Consumer Loans with similar characteristics. We periodically adjust our statistical pricing model for new trends that we identify though our evaluation of these forecasted collection rate variances.
When overall forecasted collection rates underperform our initial expectations, the decline in forecasted collections has a more adverse impact on the profitability of the Purchased Loans than on the profitability of the Dealer Loans. For Purchased Loans, the decline in forecasted collections is absorbed entirely by us. For Dealer Loans, the decline in the forecasted collections is substantially offset by a decline in forecasted payments of Dealer Holdback.
Forecast Methodology Changes and Modifications. For the three and six months ended June 30, 2012 and 2011, we did not make any methodology changes or significant modifications to our forecasts of future collections on Consumer Loans that had a material impact on our financial results.
VSC Re Company ("VSC Re"), our wholly-owned subsidiary, is engaged in the business of reinsuring coverage under vehicle service contracts sold to consumers by Dealers on vehicles financed by us. VSC Re currently reinsures vehicle service contracts that are underwritten by one of our third party insurers. Vehicle service contract premiums, which represent the selling price of the vehicle service contract to the consumer, less fees and certain administrative costs, are contributed to trust accounts controlled by VSC Re. These premiums are used to fund claims covered under the vehicle service contracts. VSC Re is a bankruptcy remote entity. As such, our exposure to fund claims is limited to the trust assets controlled by VSC Re and our net investment in VSC Re.
Premiums from the reinsurance of vehicle service contracts are recognized over the life of the policy in proportion to expected costs of servicing those contracts. Expected costs are determined based on our historical claims experience. Claims are expensed through a provision for claims in the period the claim was incurred. Capitalized acquisition costs are comprised of premium taxes and are amortized as general and administrative expense over the life of the contracts in proportion to premiums earned. A summary of reinsurance activity is as follows:
We are considered the primary beneficiary of the trusts and as a result, the trusts have been consolidated on our balance sheet. The trust assets and related reinsurance liabilities are as follows:
3. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES – (Continued)
Our determination to consolidate the VSC Re trusts was based on the following:
Cash and Cash Equivalents
Cash equivalents consist of readily marketable securities with original maturities at the date of acquisition of three months or less. As of June 30, 2012 and December 31, 2011, we had $4.6 million and $4.1 million, respectively, in cash and cash equivalents that were not insured by the Federal Deposit Insurance Corporation ("FDIC").
Restricted Cash and Cash Equivalents
Restricted cash and cash equivalents increased to $128.4 million as of June 30, 2012 from $104.7 million as of December 31, 2011. The following table summarizes restricted cash and cash equivalents:
As of June 30, 2012 and December 31, 2011, we had $118.9 million and $97.5 million, respectively, in restricted cash and cash equivalents that was not insured by the FDIC.
3. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES – (Continued)
Restricted Securities Available for Sale
Restricted securities available for sale consist of amounts held in a trust in accordance with a discontinued vehicle service contract profit sharing arrangement. We determine the appropriate classification of our investments in debt securities at the time of purchase and reevaluate such determinations at each balance sheet date. Debt securities for which we do not have the intent or ability to hold to maturity are classified as available for sale, and stated at fair value with unrealized gains and losses, net of income taxes included in the determination of comprehensive income and reported as a component of shareholders' equity.
Restricted securities available for sale consisted of the following:
The cost and estimated fair values of debt securities by contractual maturity were as follows (securities with multiple maturity dates are classified in the period of final maturity). Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.
Deferred Debt Issuance Costs
As of June 30, 2012 and December 31, 2011, deferred debt issuance costs were $18.4 million and $18.1 million, respectively, and are included in other assets in the consolidated balance sheets. Expenses associated with the issuance of debt instruments are capitalized and amortized as interest expense over the term of the debt instrument using the effective interest method for asset-backed secured financings ("Term ABS") and 9.125% First Priority Senior Secured Notes due 2017 ("Senior Notes") and the straight-line method for lines of credit and revolving secured warehouse ("Warehouse") facilities.
3. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES – (Concluded)
Derivative and Hedging Instruments
We rely on various sources of financing, some of which contain floating rates of interest and expose us to risks associated with increases in interest rates. We manage such risk primarily by entering into interest rate cap and interest rate swap agreements ("derivative instruments").
For derivative instruments that are designated and qualify as hedging instruments, we formally document all relationships between the hedging instruments and hedged items, as well as their risk-management objective and strategy for undertaking various hedge transactions. This process includes linking all derivative instruments that are designated as cash flow hedges to specific assets and liabilities on the balance sheet. We also formally assess (both at the hedge's inception and on a quarterly basis) whether the derivative instruments that are used in hedging transactions have been highly effective in offsetting changes in the cash flows of hedged items and whether those derivative instruments may be expected to remain highly effective in future periods. The effective portion of changes in the fair value of the derivative instruments is recorded in other comprehensive income, net of income taxes. If it is determined that a derivative instrument is not (or has ceased to be) highly effective as a hedge, we would discontinue hedge accounting prospectively and the ineffective portion of changes in fair value would be recorded in interest expense. For derivative instruments not designated as hedges, changes in the fair value of these agreements increase or decrease interest expense.
We recognize derivative instruments as either other assets or accounts payable and accrued liabilities on our consolidated balance sheets. For additional information regarding our derivative and hedging instruments, see Note 6 to the consolidated financial statements.
New Accounting Updates
Accounting for Costs Associated with Acquiring or Renewing Insurance Contracts. In October 2010, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update ("ASU") No. 2010-26, which amends Topic 944 (Financial Services – Insurance). ASU No. 2010-26 is intended to address diversity in practice regarding the interpretation of which costs relating to the acquisition of new or renewal insurance contracts qualify for deferral. The amendments specify which costs incurred in the acquisition of new and renewal contracts should be capitalized. ASU No. 2010-26 is effective for fiscal years beginning after December 15, 2011. While the guidance in this ASU is required to be applied prospectively upon adoption, retrospective application is also permitted (to all prior periods presented). Early adoption is also permitted, but only at the beginning of an entity's annual reporting period. The adoption of ASU No. 2010-26 on January 1, 2012 did not have a material impact on our consolidated financial statements.
Amendments to Achieve Common Fair Value Measurement and Disclosure Requirements in U.S. GAAP and IFRSs. In May 2011, the FASB issued ASU No. 2011-04 which amends Topic 820 (Fair Value Measurement). ASU No. 2011-04 is intended to provide a consistent definition of fair value and common requirements for measurement of and disclosure about fair value between U.S. GAAP and IFRS. The amendments in ASU No. 2011-04 include changes regarding how and when the valuation premise of highest and best use applies, the application of premiums and discounts, and new required disclosures. ASU No. 2011-04 is to be applied prospectively upon adoption and is effective for interim and annual periods beginning after December 15, 2011 with early adoption prohibited. The adoption of ASU No. 2011-04 on January 1, 2012 did not have a material impact on our consolidated financial statements, but expanded our disclosures related to fair value measurements.
Loans receivable consists of the following:
4. LOANS RECEIVABLE – (Continued)
A summary of changes in Loans receivable is as follows:
(3) Represents collections received on previously written off Loans.
4. LOANS RECEIVABLE – (Continued)
Contractual net cash flows are comprised of the contractual repayments of the underlying Consumer Loans for Dealer and Purchased Loans, less the related Dealer Holdback payments for Dealer Loans. The difference between the contractual net cash flows and the expected net cash flows is referred to as the nonaccretable difference. This difference is neither accreted into income nor recorded in our balance sheets. We do not believe that the contractual net cash flows of our Loan portfolio are relevant in assessing our financial position. We are contractually owed repayments on many Consumer Loans, primarily those older than 120 months, where we are not forecasting any future net cash flows.
The excess of expected net cash flows over the carrying value of the Loans is referred to as the accretable yield and is recognized on a level-yield basis as finance charge income over the remaining lives of the Loans. A summary of changes in the accretable yield is as follows:
4. LOANS RECEIVABLE – (Continued)
Additional information related to new Consumer Loan assignments is as follows:
4. LOANS RECEIVABLE – (Continued)
Credit Quality
We monitor and evaluate the credit quality of Consumer Loans assigned under our Portfolio and Purchase Programs on a monthly basis by comparing our current forecasted collection rates to our initial expectations. For additional information regarding credit quality, see Note 3 to the consolidated financial statements. The following table compares our forecast of Consumer Loan collection rates as of June 30, 2012, with the forecasts as of March 31, 2012, as of December 31, 2011, and at the time of assignment, segmented by year of assignment:
Advances paid to Dealers on Consumer Loans assigned under our Portfolio Program and one-time payments made to Dealers to purchase Consumer Loans assigned under our Purchase Program are aggregated into pools for purposes of recognizing revenue and evaluating impairment. As a result of this aggregation, we are not able to segment the carrying value of the majority of our Loan portfolio by year of assignment. The following table summarizes Loan pools based on the performance of the underlying pool of Consumer Loans:
4. LOANS RECEIVABLE – (Concluded)
A summary of changes in the allowance for credit losses is as follows:
We currently utilize the following primary forms of debt financing: (1) a revolving secured line of credit; (2) Warehouse facilities; (3) Term ABS financings and (4) Senior Notes. General information for each of our financing transactions in place as of June 30, 2012 is as follows:


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college - Page 3
The 14 Highest-Paying Jobs That Don't Need a College Degree
Sure, college isn't for everyone, but you know what is? A good salary.
10 Words To Stop Using On Your Resume
Ah yes...graduation! You've been waiting four years (maybe more in my case) to get out of college and into the real world to start your new job.
But first, you have to put together a resume. You've been taught to use resume "buzzwords" to make yourself sound better. However, if everyone overuses these words, they're not really buzzwords, are they?
Great-Grandparents Going Back to College
To understand how cool this is, here's some background on Harold and Frances Gates: They are both now retired great-grandparents and on the hunt to learn some more.
Watch These People Finding Out They Just Got Into College — Daily Distraction
After weeks, sometimes months, of waiting for the news, it can lead to quite the emotional release.
Major In This…. If You Want A Job Right Out Of College!
The perfect scenario: Go to college, get a job right out of college, make good money and live a comfortable life. Sound good? Does to me! That's not always the case. Finding a job after college graduation is tough. There are very few people who luck out and fall into a nice position...especially in Buffalo! If you knew what major would ensure a job right out of college, would you major in it? Well, according to
What Are the Best New Jobs in America?
Pretty much everyone knows how much trouble the economy has had over the last several years creating jobs. But some sectors have been bright spots, with booming growth and solid earning potential, enough to be called the best new jobs in America.
ECC Goes Smoke-Free!
Erie Community College has enacted a smoking ban that will begin in the new year. That's right....beginning January 1st, 2013, all 3 campuses will be tobacco-free. The new policy
U.B's North Campus [VIDEO]
My daughter is in her junior year at Williamsville East high School and in the process of looking at colleges to go to. So far this spring she has traveled to Chicago and Boston among other places to look at different schools
Recent College Graduates Having a Ridiculously Tough Time Finding Work
As the debate rages over whether getting a college degree is worth the money, a new set of statistics is giving many people pause — seems half of recent college grads are either jobless or underemployed in positions that don't fully use their skills and knowledge.
Top 10 College Dorm Must Have Foods!
Oh what an emotional time of year. Kids going off to college, parents sobbing as they drop their babies off. I, for one, made the choice to get my college education in Buffalo. For those of you who are going out of town, or may be out of town, here is my list of the…..(inf
Opportunity: An Open Letter To Those Heading Back To School
Here it is August 18th and it is getting to be that time of they year when kids go back to school. As I sit and watch the news both online and on TV, I can't help but think about how scary things are getting here at home in the USA and across the planet. Can some one tell me at what point did the people of the world start to get so lazy and dependent on others? I have tried to hold back my thoughts but I just can't any longer.

subset: commoncrawl


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Cincinnati Reds
5 Times MLB Game Protests Have Been Upheld
With the San Francisco Giants being the first team since 1986 to successfully protest a game, we decided to take a look back at some of the past protested games upheld by the MLB. Here's five times MLB game protests have been upheld:
5 MLB Players Who Could Make It In The WWE
By Adam W. Bloom Have you ever found yourself wondering if certain athletes could excel in other professions? After recently watching a WWE match and a baseball game – I found myself asking that very […]
National League Mid-Season Team MVPs
Sometimes a team's best players don't make the All-Star team. Here are the National League's mid-season team MVPs.
6 MLB All-Stars That You May Not Know
Here are 6 MLB All-Stars that you may not know.
Best Minor League Baseball Stadiums To Catch A Game
If you're in the mood for a road trip, or simply want to come out to support your local team, make your next stop a minor league baseball game at one of these fan favorite stadiums.
Reds Shut Out Giants As June Swoon Continues
Homer Bailey made a strong bid for yet another no-hitter, shutting down San Francisco until Buster Posey's two-out single in the 7th inning, pitching the Reds past the Giants 4-0 Sunday.
Reds Score 5 In 11th To Beat Giants 7-3
Zack Cozart drove in two runs with a tiebreaking single and the surging Reds scored five times with two outs in the 11th inning to beat the Giants 7-3 Saturday night.
Hamilton, Bruce Power Reds To 6-2 Win Over Giants
Billy Hamilton and Jay Bruce drove in two runs apiece to lead the Cincinnati Reds to a 6-2 win over the San Francisco Giants on Friday night.
Bumgarner Wins 6th Straight; Giants Pound Reds 6-1
Left-hander Madison Bumgarner got his career-high sixth straight win, and the San Francisco Giants beat the Reds 6-1 on Thursday afternoon, taking a series in Cincinnati for the first time in five years.
Reds Beat Sloppy Giants For 4th Straight Win
Devin Mesoraco hit a 2-run homer and Jay Bruce emerged from a slump by driving in a pair of runs on Tuesday night, leading the Reds to their season-high 4th win in a row, an 8-3 victory over the sloppy Giants.


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Tax, shipping costs coming to Google Product Search
Users of Google Product Search will soon be getting tax and shipping information from online retailers, taking some of the guess work out of finding good deals.
Nobody likes to find a good deal that ends up being a bad one because of exorbitant shipping costs. In the jungle of online retailers indexed in Google's Product Search (formerly Froogle), nothing is more common. To solve that problem, Google has begun a voluntary program for retailers to include their shipping and tax information so that potential buyers can see what the total cost will be before clicking.
The new system runs through Google's Base product, letting retailers note whether they charge tax. It's also set up to let them set tax and shipping amounts by location so that the price will change based on where the searcher is from.
On most deal sites like Slickdeals or Fatwallet you'll see people work this out on their own--Google is just taking that extra step out of the equation, which could make it even easier to find a good deal without surprises. As an addendum to this feature, I would love Google to cross-reference its product index with a rebate index to let you save that much more on bargain goods.


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Showing 1-24 of 70 items found in Food & Drink
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The Edge
The largest laser tag arena in the region also includes mini-golf, a big video arcade with the coolest games on the market, and food at D.S.Vespers Sports Pub and Eatery.
CITY: Belleville
Main Street Jazz & Blues
Join the group at this small intimate club featuring performers from St. Louis and the local area.
CITY: Belleville
The Pie Pantry
The Pie Pantry offers a great selection of soups, salads, and burgers, and of course delicious pies, by the slice or as a whole.
CITY: Belleville
Club Escapade
In business since 1998, this Belleville gay bar features karaoke on Wednesdays, and dancing to live DJs on select Saturday nights.
CITY: Belleville
Mariachi's Mexican Restaurant
Mariachi's offers delicious, authentic Mexican food in a great atmosphere. Mariachi's is family owned and will make you feel like part of the family with their fast and friendly service.
CITY: Belleville
The Happy Cow
The Happy Cow offers homestyle cooking in a cozy, homelike atmosphere, and served with a smile from their friendly staff.
CITY: Caseyville
Rachel's Garden
Rachel's Garden is a wonderful restaurant with food fresh from the garden.
CITY: Belleville
Margarita's Mexican Restaurant
Margarita's Mexican Restaurant offers excellent Mexican food in a south of the border atmosphere, with friendly staff waiting to serve you.
CITY: Belleville
Shenanigan's Restaurant
Shenanigan's has great food such as wings, burgers, sandwiches, steak, and much more. Shenanigan's also has a large game room and party room for you next event. Local bands perform every Friday & Saturday night!
CITY: Belleville
Antique House Restaurant
Antique House offers delicious cuisine and drinks at a great price.
CITY: Belleville
Breadeaux Pizza
Breadeaux Pizza has unique variety of pizzas such as quesadilla, super Hawaiian, taco, chicken fiesta, cheeseburger, meatball, barbeque, vegetarian, and many more, and you can always build your own pizza with the toppings you want. Also, pastas, salads, sandwiches, and tantalizing desserts.
CITY: Millstadt
The Arbor (Bel-Air Bowl)
Stop in for a great game of bowling and a bite to eat. The Arbor offers a large menu of delicious treats to keep your game going strong.
CITY: Belleville
The Orchards Restaurant
When you get hungry playing the 18-hole course, come to The Orchard Restaurant for fabulous food right on the green.
CITY: Belleville
Maxwell's Restaurant
Maxwell's offers great hamburgers, pasta, and all around great food in a cozy, casual atmosphere, and served by a warm, friendly staff.
CITY: Belleville
Hy-Ho Cafe
Hy-Ho offers great food, affordable prices, and excellent service in a cozy atmosphere.
CITY: Belleville
Swansea Fish Stand
Swansea Fish Stand may be small, but it's big on taste, so come and enjoy great seafood in a casual atmosphere.
CITY: Swansea
Mallo's Bakery
The welcoming staff at Mallo's Bakery make you feel at home the minute you walk in the door. Mallo's offers handmade donuts, scones, buns, and much more. Also, Mallo's makes beautiful wedding cakes for your special day.
CITY: Belleville
Castletown Geoghegan
Castletown has great food, great service, and a wonderful atmosphere. Try one of Castletowns delicious burgers or homemade Irish Stew.
CITY: Belleville
Fletcher's Kitchen & Tap
At Fletcher's the food is creatively prepared to make delicious and unique dishes. With a comfortable atmosphere and great service, Fletcher's is a great place to enjoy a good meal with family and friends.
CITY: Belleville
Robert Scott's Grill & Cafe
Enjoy delicious steak, chicken, great sides, and much more, in a casual atmosphere.
CITY: Smithton
Marco's on Main Restaurant
Marco's offers delicious salads, pizza, and much more. So come in to Marco's on Main to experience a little Italy!
CITY: Belleville
Breadeaux Pizza
What makes Breadeaúx Pizza different? It's the crust, which is chewy and sweet, and reminiscent of fine French Bread. While other pizza places boast about using dough made fresh daily, at Breadeaúx Pizza restaurants, our dough is aged and double-raised, once quickly, and the second time slowly while being chilled. The major difference in our dough preparation creates our distinctive taste and texture. So come on in to Breadeaúx Pizza and taste the difference.
CITY: Freeburg
Acropolis Greek Cafe
At the Acropolis Greek Cafe you can enjoy great food in a cozy, home like atmosphere. Located in a beautiful historic building.
CITY: Belleville


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Holiday Dog Capelet
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Sample made in oddments from stash: Plymouth Encore (green), Caron Simply Soft (red), Red Heart (white)
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BROOKLET - The Southeast Bulloch Yellow Jackets continued to roll, defeating Bryan County by a score of 10-2 Thursday night in a non-region matchup.
AUGUSTA - The Screven County Lady Gamecocks (21-2) cruised past Dodge County Thursday at the Fleming Tennis Complex to make it to the Region 3-AA championship, but fell to Bleckley County in the finals to clinch the No. 2 seed in the GHSA Class AA state playoffs.
You always want to do well in your final home event of the season.
BROOKLET - After a pair of recent discouraging losses, it seemed like the state playoff hopes of the Southeast Bulloch girls were fading.
John Milledge Academy pitcher Cody Wood performed well on both sides of the ball, leading the visitors from Milledgeville to an 8-0 victory over Bulloch Academy in GISA Region 4-AAA action Monday at Gator Alley.
AUGUSTA - The Screven County Lady Gamecocks (17-2) earned the No. 1 seed in the Region 3-AA Tournament Monday with wins over Jefferson County and Swainsboro at the Fleming Tennis Complex.
The Southeast Bulloch Yellow Jackets defeated Jefferson County 12-8 Friday in subregion play.
Statesboro isn't headed to the state playoffs, but it ended the 2011 season on a high note as it notched a dominating 6-1 victory over South Effingham Thursday night at Womack Field.
After a recent spurt in region play, Statesboro ventured out of the confines of its normal rivals and suffered a setback, falling to Alexander out of Atlanta by a score of 10-1 Wednesday evening at Mill Creek Regional Park.
The Statesboro High School Iron Devils Weightlifting Team won the Georgia Athletic Coaches Association State Weight Lifting Championship March 25 in a meet held in Hawkinsville.
SYLVANIA - In a showdown of teams that entered Friday unbeaten in Region 3-AA play, it was Southeast Bulloch that came out on top, erasing a three-run deficit midway through the game and pulling away late for a 10-7 victory over rival Screven County.
Both Bulloch Academy boys' and girls' junior varsity track teams won a rain-shortened, multi-team meet Thursday at Gator Alley.
After an uneventful first half, the Statesboro girls exploded in the final 40 minutes, scoring all of their goals in a 7-1 rout of Southeast Bulloch Thursday night at Womack Field.
When the Statesboro baseball team pulls off a big win, it's a pretty safe bet that Trey Robinson had something to do with it.
As the prep golf season wears on, one of the most consistent golfers on the links is also one of the youngest.
When basketball season began back in November, the Statesboro Blue Devils weren't sure what to expect.
Both Bulloch Academy basketball teams hold the top seeds headed into this week's GISA Region 2-AAA basketball tournament.
BROOKLET - In her varsity debut, freshman Emily Barnard scored four goals to lead Southeast Bulloch to a 10-0 season opening victory over Dodge County in girls soccer Thursday at Fred Shaver Field.
Two-time state wrestling champions Justin Lane and Dylan Stuckey lead a talented group of grapplers in a march to Americus this weekend to capture the GISA Class AAA crown.
GUYTON - The last thing Statesboro Coach Lee Hill wanted was a track meet, but that was what he got much to his chagrin.
After three months of grinding competition, prep basketball teams from around the area are priming for one more push that will either send them to the state tournament or send them home for a long offseason.
Bulloch Academy wrestlers won an incredible 12 of 14 weight classes en route to capturing the team's fourth consecutive region title Thursday.
The Statesboro Blue Devils find themselves in a familiar position again back in the state playoffs following their 74-65 win over Richmond Hill Friday night.
SAVANNAH - Lamont Ballard looked like the coolest person in the gym. And, as it turned out he was.


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- Mark's Daily Apple - http://www.marksdailyapple.com -
Weekend Link Love – Edition 24
Posted By Worker Bee On November 15, 2008 @ 9:03 am In Weekend Link Love | 4 Comments
What is antigravity yoga [7]? FitSugar explains the new fitness trend of combining yoga with circus. And for an irreverent approach, read Elastic Waist's antigravity yoga experience [8].
Don't let flue season get the best of you. Read HealthBolt's tips for winter colds [9].
Two big meals per day, or eighteen tiny meals? The IF Life explains why eating more meals does NOT speed up your metabolism [10].
Whether or not you're weathering the economic crisis, No Magic Pill has a wonderful list of cost effective ways to live healthy [11].
Is heavy metal music bad for your heart? [12] Read Health and Men's post to find out.
Obesity is a cancer. And it's not your fault. At least that's what Barry Sears (author of the Zone Diet [13]) has to say. Watch his interview [14] posted on At Darwin's Table.
And finally, forget expensive personal trainers and one-on-one yogi guides. Learn stretching [15] and yoga [16] from everyone's favorite green friend.
Article printed from Mark's Daily Apple: http://www.marksdailyapple.com
URL to article: http://www.marksdailyapple.com/weekend-link-love-24/
URLs in this post:
[1] Start Here: http://www.marksdailyapple.com/welcome-to-marks-daily-apple/?utm_source=mda_wwsgd&utm_medium=link&utm_campaign=mda_wwsgd_start_here
[2] Primal Blueprint 101: http://www.marksdailyapple.com/primal-blueprint-101/?utm_source=mda_wwsgd&utm_medium=link&utm_campaign=mda_wwsgd_pb_101
[3] free weekly newsletter: http://www.marksdailyapple.com/subscribe-to-blog/?utm_source=mda_wwsgd&utm_medium=link&utm_campaign=mda_wwsgd_newsletter
[4] books: http://primalblueprint.com/categories/Store/Books-and-Media/?utm_source=mda_wwsgd&utm_medium=link&utm_campaign=mda_wwsgd_books
[5] support options: http://primalblueprint.com/categories/Store/Services/?utm_source=mda_wwsgd&utm_medium=link&utm_campaign=mda_wwsgd_services
[6] supplements: http://primalblueprint.com/categories/Store/Supplements/?utm_source=mda_wwsgd&utm_medium=link&utm_campaign=mda_wwsgd_supplements
[7] antigravity yoga: http://www.fitsugar.com/2478634
[8] antigravity yoga experience: http://elasticwaist.com/2008/11/exercise-class-review-antigrav.php
[9] tips for winter colds: http://www.healthbolt.net/2008/11/10/deal-with-winters-aches-and-ills-the-natural-way/
[10] eating more meals does NOT speed up your metabolism: http://www.theiflife.com/2008/11/05/eating-more-meals-does-not-speed-up-your-metabolism/
[11] cost effective ways to live healthy: http://nomagicpill.wordpress.com/2008/11/13/on-the-cheap/
[12] heavy metal music bad for your heart?: http://www.healthandmen.com/2008/11/12/heavy-metal-music-is-bad-for-your-heart/
[13] Zone Diet: http://www.marksdailyapple.com/whats-wrong-zone-diet/
[14] his interview: http://darwinstable.wordpress.com/2008/11/13/toxic-fat/
[15] stretching: http://www.aikido-reading.co.uk/micro_site/stretching/15_stretches.htm
[16] yoga: http://www.aikido-reading.co.uk/micro_site/yoga-sun-salutation/yoga-sun-salutation.htm
Click here to print.
Copyright © 2009 Mark's Daily Apple. All rights reserved.


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More Info
The Walking Dead: Season Two - Episode 1 |
Telltale Games |
Telltale Games |
US Release Date:
2013-12-31 |
UK Release Date:
2013-12-31 |
Telltale Games has released a new trailer for the first episode of The Walking Dead: Season Two.
In this upcoming season-- set to span five episodes total --players will follow Clementine, a young girl who after the events of the first season, was thrust into self-reliance and left to fend for herself in a cruel world populated with savage survivors and undead walkers.
As shown in the trailer, she's joined by some familiar faces from both the first season and the 400 Days DLC, and notably Telltale have said that choices made in the first season and DLC will be reflected in this second season.
The Walking Dead: Season Two launches its first episode, All That Remains, next week for PC and Mac on December 17, and Xbox 360 on December 18. While Telltale have not yet announced the exact release for other platforms, the PlayStation 3 version is expected to arrive within the month of December.
Are you looking forward to continuing Clementine's story? Let us know in the comments.


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Death of Princess Barbara of Schleswig-Holstein
Princess Barbara of Schleswig-Holstein died on April 28th 2009, she was only 47 years old.
The princess was born as Barbara Beata Fertsch in Friedberg, Germany on 27 July 1961. She married prince Alexander of Schleswig-Holstein in a civil ceremony in Munich on 29 August 1994, the religious ceremony was in San Cabaneta, Mallorca on 3 September of the same year. The couple has two children: princess Elena (b. 1995) and prince Julian (b. 1997).
Prince Alexander is the son of the late duke Peter of Schleswig-Holstein and princess Marie Alix of Schaumburg-Lippe. His older brother,Duke Christoph of Schleswig-Holstein, is the present head of the ducal family of Schleswig-Holstein-Sondernburg-Glücksburg.
Filed under German RoyalsTagged Death, Princess Barbara, Schleswig-Holstein.
Related posts:
- Death of Princess Luise of Prussia
- Death of the Soldier King
- Prince William Speaks About Mother's Death at Bereavement Charity Lunch
- Death of George VI (6 February 1952)
- Death Anniversaries of Queen Juliana And Queen Emma


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YANGON, Myanmar (AP) -- Touted with fanfare as Asia's last major frontier market, a new World Bank reports ranks Myanmar as one of the hardest countries in the world to start a business.
The desperately poor but resource-rich nation was for the first time included in the bank's "Doing Business" report, which looks at obstacles and opportunities to setting up shop in 189 countries.
Myanmar, which started opening its economy two years ago, was ranked 182, trailed by countries like Eritrea, Chad and Sudan.
The bank cites the high costs of setting up business and cumbersome procedures. It also takes 72 days to register a company compared with less than three in nearby Singapore.
Old laws have yet to be replaced and the country is better only than Timor Leste at enforcing contracts.
- Business
- Myanmar


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What does CAPCU stand for?
What does CAPCU mean? This page is about the various possible meanings of the acronym, abbreviation, shorthand or slang term: CAPCU.
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CAPCU | Capital Credit Union |
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"CAPCU." Abbreviations.com. STANDS4 LLC, 2015. Web. 6 Mar. 2015. <http://www.abbreviations.com/CAPCU>.


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Jack, Steve and Goat are East-End Spivs. They spend their time wheeling and dealing wherever and whenever they can. It's not until Jack and the others get involved with a guy called Villa, and they are landed with a big payday they have been waiting for, when they realise what a mess they are into. At the back of the lorry they have smuggled goods in, they find illigal immegrants. Most of them escape but they are left with 2 kids; a boy and a girl, and have to decide what to do with them...Are they going to look after them and feed them, clothe them, love them, etc. or are they going to leave them on the streets of East-End London.
Warning: These people can seriously damage your wealth!
Director: | Colin Teague |
Ken Stott
Nick Moran
Dominic Monaghan
Kate Ashfield |
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Gavin Hoey has been a freelance photographer, writer and trainer of all things photographic for over 10 years. His work can be seen in various photography magazines and he writes a monthly "How To" column for Digital Photo, the UK's best selling photography magazine.
Take and Make Great Photographs with Gavin Hoey—AdoramaTV
By Gavin Hoey
March 28, 2013
Join Gavin Hoey as he uses three different filters to capture the same image and compares the resulting effects.
In this episode of Take & Make Great Photography, shot exclusively for AdoramaTV, Gavin Hoey shows why a Polarizer (note his quaint British spelling!), an ND filter, and a R72 Infrared Filter are must-haves for creative landscape photography. Watch as he shoots the same scene with each filter, shows the very different results in both color and black-and-white, and then takes you through the steps in Photoshop to finalize a near-Infrared photo in black-and-white.
Related Products At AdoramaDirect links to the products used by Gavin in this video—as well as links to the filter departments where you can find the right filters to fit your lenses.
Learn More at the Adorama Learning CenterGo deep and explore filters that are still relevant in the age of digital photography in the following exclusive ALC articles and videos. We've got lots of great info!


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What's New
Add new base tile formats - wide frames (3x5, 5x3, 4x7, 7x4).- Wide frames has nearly (not exactly) 16:9 aspect ratio.
- It can be used for iPhone5 wallpaper.
- When you save the photo with wide frame, you can choose real aspect ratio of the output, original size or fit-to-16:9.
- Wide frames is only available in iPhone5 and iPhone5s.
Change app icon
- Add color gradation slightly.
App Description
Tiled is a photo editing program that let you choose several pictures and make them into one image. This tile based collage application will help you to create your own unique style photo, and share them via facebook, twitter, instagram or email.You can simply combine or divide tiles to create your own special frame, and apply color or gradation to tiles and save them for future use.
For quick results, readymade frame templates are available for your convenience.
- Tile based photo Frame system
- Modern and simple UI design
- Create personal frame using tile combination and division
- 72 readymade frame templates
- Decorate tiles with color, pattern or gradation
- Photo adjustment (flip, rotate, zoom, pan)
- Simple image moving and easy copy & paste
- Practical photo effects
- Adjustable inner and outer frame borders
- 4 different choices of round border
- Add text on tile
- Pictogram stickers for tile deco
- High Quality and High Resolution
- Share the images via Facebook, Twitter, Tumblr, Flickr, Instagram or email.
- Tutorial Videos
[in english]
[in german language]
[in italian language]
Enjoy brand new photography app 'Tiled'.
Thank you!
- Please, like and follow tiledapp@Instagram.
- Please, visit and like www.facebook.com/TiledFanPage.
App Changes
January 31, 2014 New version 2.0.0
October 14, 2013 New version 1.8.5
September 26, 2013 New version 1.7.9
July 30, 2013 New version 1.7.7
June 12, 2013 New version 1.7.5
July 04, 2012 Initial Release


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On November 9th, 2014, the world will join Berlin in celebrating the 25th anniversary of the fall of the Berlin Wall. Also on that day, PBS will air Angela Stent's American Forum discussion of the fall, as well as her book, The Limits of Partnership: U.S.-Russian Relations in the Twenty-First Century. The discussion, to take place today at 11:00AM at the University of Virginia Miller Center, can be live streamed here (for those of you who can't wait until November 9th!).
Angela Stent on 25th anniversary of the fall of the Berlin Wall and her book The Limits of Partnership
News of the World, March 7, 2014
Each week we post a round-up of some of our most exciting national and international PUP book coverage. Reviews, interviews, events, articles–this is the spot for coverage of all things "PUP books" that took place in the last week. Enjoy!
While the unrest in Ukraine continues, experts on Russia are dusting off their interview materials. PUP author Angela Stent has seen her schedule fill up as Americans look for answers to the questions surrounding the status of Crimea and the relationship between the US and Russia. Stent is quoted in a recent New York Times article, where Jason Horowitz addresses the shortage of experts and scholars well-versed in all things Russia. Many in the field see the focus on other areas of the world, including Asia and the Middle East, as the reason for a drop-off in the US's attention to Russia. Stent says:
When we've all retired, 10, 20 years down the road, I don't know how many people will be left with this area of expertise. And we can't assume that our relationship with Russia won't suddenly command a lot of attention. Because as we can see, it does.
Stent's recently-published book, The Limits of Partnership, reflects the unique perspective of an insider who is also recognized as a leading expert on this troubled relationship. Stent vividly describes how Clinton and Bush sought inroads with Russia and staked much on their personal ties to Boris Yeltsin and Vladimir Putin–only to leave office with relations at a low point–and how Barack Obama managed to restore ties only to see them undermined by a Putin regime resentful of American dominance and determined to restore Russia's great power status. The book calls for a fundamental reassessment of the principles and practices that drive U.S.-Russian relations, and offers a path forward to meet the urgent challenges facing both countries.
Check out POLITICO's Bookshelf blog list, which highlights The Limits of Partnership and other titles essential to understanding tomorrow's headlines. To preview the book for yourself, read the introduction here.
Stent was recently interviewed by Wolf Blitzer on CNN's Newsroom, as well as on WBUR's "On Point." View this interview on PBS Newshour:
Decision time is almost here. For high school seniors applying to colleges and universities, the nervous email checks and trips to the mailbox are almost over. So for students and parents waiting on those last few coveted acceptance letters, have you ever wondered what makes up your odds? Besides SATs and GPAs, is there another way to predict which students will be accepted to which colleges? Gregory Clark has your answer. In his new book, The Son Also Rises, Clark explains why many common ideas about social mobility are incorrect. Clark studied the frequency of admission to Oxford and Cambridge, looking back to as early as 1170 (no online applications then, right?), and he found that movement on the social ladder has changed little over eight centuries.
The Son Also Rises was reviewed in Frankfurter Allgemeine Zeitung, featured on the WSJ.com's Japan RealTime blog, and mentioned in both the Sunday Times and the Financial Times. You can check out one of the many intriguing graphs from the book on Slate's Moneybox blog.
Looking for a break from re-reading the Times Higher Education's recent ranking of the world's most reputable universities? (Shout out to our very own taking number seven. Go Princeton!) Check out the introduction here.
Intrigued when you stumble upon an undeveloped disposable camera from circa 1998? We can do you one better — we're talking 1870. Errol Fuller's Lost Animals is a unique photographic record of extinction, presented by a world authority on vanished animals. Covering 28 extinct species, Lost Animals includes familiar examples like the last Passenger Pigeon, Martha, and one of the last Ivory-billed Woodpeckers, photographed as it peers quizzically at the hat of one of the biologists who has just ringed it. But the book includes rare images as well, many never before published. Collected together here for the first time, these photographs provide a tangible link to animals that have now vanished forever, in a book that brings the past to life while delivering a warning for the future.
The book was recently featured in the Washington Post, where Nancy Szokan says:
Errol Fuller's new book is a visual lament. Lost Animals is a handsome but sad record of animals that existed for millennia–long enough for photography to be invented–but have now disappeared from the face of the Earth. The images are accompanied by short, evocative texts about the creatures and the naturalists who recorded their existence.
Interested in a preview of the photos? The New York Times' 6th Floor blog recently ran an online slideshow of the photos. The writers there remark:
Erroll Fuller's Lost Animals: Extinction and the Photographic Record is a sad and moving collection of passenger pigeons, heath hens, Tasmanian tigers and other vanished animals….[A] blurry glimpse is still a worthy glimpse when it comes to seeing a number of species in their last moments."
News of the World, February 7, 2014
Each week we post a round-up of some of our most exciting national and international PUP book coverage. Reviews, interviews, events, articles–this is the spot for coverage of all things "PUP books" that took place in the last week. Enjoy!
Stop what you're doing and take a breath. No, this isn't a stress-relief exercise. (Although if you're looking to unwind with a great book this weekend, you've come to the right place!) How much do you know about the air that we breathe every day? Donald E. Canfield has your answers.
His new book, Oxygen: A Four Billion Year History, was reviewed in Nature this week. This PUP book — which gives a rundown of all things "O" — is described as "engaging and authoritative." Donald Canfield — one of the world's leading authorities on geochemistry, earth history, and the early oceans — covers the vast history of oxygen on Earth, emphasizing its relationship to the evolution of life and the evolving chemistry of the Earth. With an accessible and colorful first-person narrative, he draws from a variety of fields, including geology, paleontology, geochemistry, biochemistry, animal physiology, and microbiology, to explain why our oxygenated Earth became the ideal place for life. Before you take another breath, check out Chapter 1 here.
Spending too much time this afternoon scrolling through #Sochi news? To get ready for the Russian-hosted games, we turn to PUP author Angela Stent. The Times Higher Education reviewed Stent's new book, The Limits of Partnership: U.S.-Russian Relations in the Twenty-First Century, just in time for the upcoming games. Elizabeth Cobbs Hoffman of the THE writes, "Stent, a Sovietologist who served in government under presidents Bill Clinton and George W. Bush, expertly condenses the past two decades of this tumultuous relationship with an insider's command of detail."
Want to learn more about the host of the games? Pick up a copy of Angela Stent's book for a look into what political issues may be the backdrop of the competition. You can view the introduction of the book here. Also, check out this NYT video, "Think Back: Olympics Meets Politics," which highlights the inevitable political element that accompanies the world's biggest games.
We jet-set to another area of the world, and another time, for our next book: Lost Enlightenment: Central Asia's Golden Age from the Arab Conquest to Tamerlane by S. Frederick Starr. This book received a starred review in Library Journal this week:
Starr is that rare scholar with the horsepower to write about the medieval culture of this vast region that is bounded by Persia to the west, and China to the east, and India to the southeast….An indispensable title for scholars, this lively study should prove equally compelling to serious lay readers with an interest in Arabic and medieval thought.
In this sweeping and richly illustrated history, S. Frederick Starr tells the fascinating but largely unknown story of Central Asia's medieval enlightenment through the eventful lives and astonishing accomplishments of its greatest minds–remarkable figures who built a bridge to the modern world. PUP readers can view Chapter 1 here.
What to do instead of waiting in line at Home Depot for rock salt and shovels? Pass the time with this new weather-related op-ed from PUP author Ian Roulstone. Roulstone takes on the question of how weathermen (and women) fare versus Mother Nature, writing:
We are often described as a nation preoccupied by weather, and we've certainly had plenty to talk about over the last few weeks. The wind and rain continue their relentless assault, and the headlines focus, quite rightly, on the plight of those worst affected – what should be done to help? Meanwhile flood waters continue to rise and this is not unexpected. The weather forecasters have done their job well: no Michael Fish moments to distract our attention from what's important. Indeed, the last few winters have been marked by extremes – from snowbound Gatwick Airport to the St Jude Day Storm – and the weathermen have stayed ahead of the game. So is Mother Nature's number finally up when it comes to blowing us away with a storm from out of the blue?
Can meteorologists, with the advanced technology of today, finally state that they have won the battle, out-predicting any storm that comes their way? For Roulstone's answer, check out the full op-ed, which ran on Huff Post UK. You can also view chapter one of his and John Norbury's book, Invisible in the Storm.
PUP News of the World, January 31, 2014
Each week we post a round-up of some of our most exciting national and international PUP book coverage. Reviews, interviews, events, articles–this is the spot for coverage of all things "PUP books" that took place in the last week. Enjoy!
Well, folks, we're one month in, and 2014 is off to a stellar start for PUP books and authors. We rounded out the month of January with some great reviews in publications from around the world. Check them out below!
The one-week countdown to Sochi has arrived. And as athletes from around the world travel to the games, all eyes have turned to the games' host. PUP author Angela Stent–director of the Center for Eurasian, Russian, and East European Studies at Georgetown University–is our in-house expert for all things "Russia." This week, the New York Times published a piece by Stent, where she discusses the implications of the upcoming games for Russia and President Vladimir V. Putin. She writes:
The Olympic Games are supposed to symbolize international cooperation as well as competition. Of course, any country hosting the Games wants to highlight its best features. But Sochi may be one of those times in Olympic history when a leader wants to use the Games for a much more specific political purpose — in this case, to prove that the system he presides over is preferable to that in many participating countries.
Read the whole article here. Want to brush up more on US-Russian relations before the games? Professor Stent's new book, The Limits of Partnership, offers a riveting narrative on U.S.-Russian relations since the Soviet collapse and on the challenges ahead. It reflects the unique perspective of an insider who is also recognized as a leading expert on this troubled relationship. The book was reviewed in the Economist this week, the review saying that "Ms Stent tells the story clearly and dispassionately." View the introduction of the book here.
It seems like some people have all the luck, doesn't it? Or perhaps certain people really do have better track records of "making it." While it has been argued that rigid class structures have eroded in favor of greater social equality, our new PUP book, The Son Also Rises, proves that movement on the social ladder has changed little over eight centuries. Using a novel technique–tracking family names over generations to measure social mobility across countries and periods–renowned economic historian Gregory Clark reveals that mobility rates are lower than conventionally estimated, do not vary across societies, and are resistant to social policies.
Intrigued? Check out Gregory Clark's recent interview, which ran on the Washington Post's Wonkblog. Clark says:
Another remarkable feature of the surname data is how seemingly impervious social mobility rates are to government interventions. In all societies, what seems to matter is just who your parents are. At the extreme, we see in modern Sweden an extensive system of public education and social support. Yet underlying mobility rates are no higher in modern Sweden than in pre-industrial Sweden or medieval England.
You can also preview the introduction of The Son Also Rises here.
While we're on the topic of economics, check out this Financial Times review of Eswar Prasad's The Dollar Trap, the book that argues that the dollar is the cornerstone of global finance–and will be for the foreseeable future. Henry Sender of the FT says, "To understand how the world of international finance works, what the agendas are and what is at stake, this work is indispensable." Prasad was also interviewed on Marketplace:
Next, we move to a review in the Times Literary Supplement of Jed Z. Buchwald and Mordechai Feingold's Newton and the Origin of Civilization. Scott Mandelbrote writes:
'This argument for intellectual unity in Newton's method of working gives Newton and the Origin of Civlization philosophical as well as historical originality and importance … represents a climacteric in our understanding of its subject's life and thought.'
Newton and the Origin of Civilization tells the story of how one of the most celebrated figures in the history of mathematics, optics, and mechanics came to apply his unique ways of thinking to problems of history, theology, and mythology, and of how his radical ideas produced an uproar that reverberated in Europe's learned circles throughout the eighteenth century and beyond. Preview the introduction for more about this title.
Angela E. Stent Interviews with TVO About "The Limits of Partnership"
The conflict in Syria has strained an already tenuous relationship between the United States and Russia. The Story of the Week over at TVO: the US and Russian clash over what to do about Syria.
Angela E. Stent, a professor of government and foreign service and director of the Center for Eurasian, Russian, and East European Studies at Georgetown University, weighs in on the conflict. Her recent book, The Limits of Partnership: U.S.-Russian Relations in the Twenty-First Century, makes her an expert on the topic.


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Narrow your search
Apple CEO Tim Cook announces at a White House-sponsored cybersecurity summit that Apple Pay will be available for some transactions with the federal government starting in September. It may some day be integrated with Social Security.
A federal consumer protection agency is suing Sprint over allegations that it allowed third-party companies to "cram" customers' bills with fraudulent charges.
In a 3-2 vote, the agency decides to apply the same rules that govern telephone service to broadband, with the hope that it ensures the fair and equal treatment of all traffic on the Internet.
To avoid another Healthcare.gov debacle, President Obama hires a team of techies to clean up government IT systems and websites.
Netflix's recent deal in Australia and comments from its CFO suggested it was backtracking on its pro-neutrality stance.
After several corporations and universities were targeted in cyberattacks, the US government arrests Timothy French for allegedly posting thousands of people's usernames and passwords online.
Lawsuit accused Apple of luring away key engineers to work within a new battery division, fueling speculation that the iPhone maker has ambitions of developing an electric car of its own.
There may soon be new rules on how the Internet should work and be regulated. On Thursday, the Federal Communications Commission will likely pass new Net neutrality rules that would keep the Internet open and reclassify broadband as a public utility. CNET's Maggie Reardon and Sumi Das on what the rules will mean for consumers.
Sen. Al Franken says regulating the Internet like a telephone service is the only way the FCC could withstand legal challenges from the telecom industry.
Commentary: The new regulatory action by the FCC has sweeping implications for the Internet, and the price we will pay over time for this radical shift will be severe.


text:
I stayed at this hotel for four nights in October. I was at Mt. Lu for a holiday away from the chaos of Chinese cities and for this purpose the location is great. However, a far as I can tell none of the hotels is designed for non-Chinese travelers. So taking this into account, I had an ok experience at... More
China >
Jiangxi >
Price Range (Based on Average Rates):
Number of rooms: 110
- Reservation Options:
- TripAdvisor is proud to partner with Expedia and Ctrip TA so you can book your Lushan Guomai Hotel reservations with confidence. We help millions of travelers each month to find the perfect hotel for both vacation and business trips, always with the best discounts and special offers.
- Also Known As:
- Lushan Guomai Hotel Jiujiang, China - Jiangxi


text:
New to Typophile? Accounts are free, and easy to set up.
When the AIGA screws up at 72 point it should be documented. AIGA does everything perfectly, so this anomaly reminds me they're only mortal. =^p
Maybe it's an Old English-Southern mash-up...
like a cross between y'all and thou.
Th'all shalt not be ashamed to make mistakes, ya hear?
This is great! :)
Though there are very very few results when searching Google for the phrase "Thall Shalt Not" but "Thall Shall Not" returns over 620 results!
Where "thall" comes from I couldn't find, but somehow it made it's way into semi-popular use. :-|
Hey Norbert.
Found this. Probably from the early fifteenth century
< thall: over, beyond, Irish thall, Old Irish thall, tall: *t-all,>
Maybe it's an Old English-Southern mash-up…
Perhaps this refers to someone named "Thall", who likes other people's money. After all, if it was "Thou", it should be either "thy" or "thine". And "cheque", come to think of it.
Go big, or go home. :^) If one is to make a mistake it might as well be huge and noticeable. :^D
Thall is just the guy who's secretly doing intercepted jobs coming your way, that's why he's getting your pay check and not ashamed about it.
The snippet from Google hit #10 tickled my funnybone:
Which echoes the commandments "Thall shall have no God's before me," "Thall shall
not take the Lord's name in vane,"
this is SO hilarious.
what is the AIGA document for?
Thall must be a guy from Thallium, the stuff they use when I get a stress test :-)
I have to admit to using Google to research a spelling as it's sometimes a faster starting place than the dictionary (especially when digital dictionaries return nothing). For example, search for "ven diagram" and you get 18,000 results. Then if you search the correct spelling, "Venn diagram" you get 558,000 results. I'm sure it's not 100% reliable, but it's good when you don't have a clue.
It's like polling the audience in Who Wants to be a Millionaire. =P
"thou shalt not" yields 1.2 million results
"thall shalt not" yields 558 results
Lest anyone think I'm an AIGA basher (nay, I'm a paying member, else why would I receive their mailings) I should say that the AIGA deserves a lot of credit. Who else could be a non-profit and maintain the image they've created with the budgets they have. Seriously.
> Lest anyone think I'm an AIGA basher
Actually, I didn't really think of this post as anti-AIGA-ism. Seriously, who doesn't enjoy pointing out someone else's mistakes? :)
To put my own shameful moment into the ring:
On a big marketing kit project, I once misspelled part of the client's name on the kit label. Fortunately, a co-worker caught the mistake (AFTER they were printed, but BEFORE they were applied) and we were able to fix it.
But believe me, it took a LONG time to live down the 'Infastucture' incident.
Where I used to work we did stuff for a local university's College of Architecture. My colleague designed a poster reading "ARCHITECURE". Which was a typo, but the kind of typo you can claim was purposeful.
Ooo. Nice. I call those happy accidents.
"My colleague designed a poster reading "ARCHITECURE""
Maybe he should become a patient of Frank Lloyd Wright who would have said:
"Take two elevations and call me in the morning."
I once carved the word TYPOPILE into a pumpkin. An unhappy accident. I had it all complete, was super happy with it and then my neighbor pointed it out to me only after it was lit. LOL.
Joe, I use Google for spell-checking all the time. Besides its ability to help with stuff that's not in dictionaries (including multi-word terms) it actually suggests the correct (or at least most common) spelling - wonderful stuff.
> Lest anyone think I'm an AIGA basher
It's only when you think little of something that you ignore its faults.


text:
La Taverne Du Mont d'Arbois, Megève
2811 Route Edmond de Rothschild
France 74120
Tel: 33 450 21 03 53
France 74120
Tel: 33 450 21 03 53
Concierge.com's insider take:
Inside this three-floor chalet-style building, at the foot of Mont d'Arbois lifts, are pine-green upholstered banquettes, chandeliers, and an open fireplace on which most of the wholesome food is grilled. Meat (veal, beef, and lamb) is its specialty, and the place is popular with families. Try the preserved shoulder of lamb and the risotto with fresh truffles. The cheese selection is extensively Savoyard, and killer desserts include a perfect Grand Marnier soufflé.
Open mid-December through April and June through October.


text:
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Sign Up For The
Jimi Hendrix
Jimi Hendrix Encyclopedia
Did you see Jimi Hendrix in concert? Did you meet Jimi Hendrix or have the opportunity to interview him or have some other unique, first-person encounter with Jimi Hendrix? If so, Experience Hendrix wants to hear from you.
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1967 United Kingdom Hamburg Germany 51st Anniversary Travel Single Release 604 001 Purple Haze the experience London Track RecordsSearch Results
March 17th, 1967
The Experience's second single "Purple Haze" b/w "51st Anniversary" was released by Track Records in the United Kingdom.
Track List: Purple Haze // 51st Anniversary
Track List: Purple Haze // 51st Anniversary
March 17th, 1967
The Experience fly from London, England to Hamburg, Germany.


text:
Now that you have gone away
I feel so cold, why did I stay?
Dreams. One can't control them. One has to experience them. Stand by helplessly when they slip from your hand. The Doctor accompanies me often. Very often. And yet, I can never follow him.
Remember, I'll remember your face so pale
when you left me on that gloomy day...
Every time, every single time I die, leave another scar deep within him. Hurt him and have to watch how he is torn apart. The moment when his face turns ashen, when he knows that he can't help me. And never, not a single time I'm able to tell him, it's OK. That I have to leave him behind.
Time goes by, memories are mine
Memories. Memories that aren't real. Created by me, my dreams, my yearnings. So real, and yet never ever more than a dream. But they belong to me, me alone. My secrets. My memories.
Still waiting for the moment I'll see you again
Times are changing, memories are fading
One can't enforce dreams, long for them. They come, or they don't. That is fate. And no one can fight fate. Trying to abide to your memories, useless.
I'm waiting for another chance
to tell you belong to me
Every single night I hope, I hold out. For a new adventure, another opportunity. Not to leave him. To stay with him. Just for one single night. Because dreams got this unique thing: one may have a whole live in a single night.
One day
I know we'll meet again
But I am sure, everytime I awake, every single time, that it wasn't the last one. More opportunities. More places to travel to. More adventures to pass. More danger to pass. More enemies to defeat. More loss to bear.
Under the Iron Sky.
And even though the sky stays iron and wants to refuse it to us, Doctor, we will meet again.


text:
Netatalk, Linux and the Macintosh
Unix workstations, PCs running Windows 3.x/95/NT/Linux, FreeBSD, and other systems must be able to communicate seamlessly and share data whether they are in an engineering, business or home environment. More than one type of computer platform existing on the same network is a fact of life. Fortunately, with programs such as Netatalk it's easy to get Apple Macintosh computers and Linux systems to coexist and share resources. This article describes what Netatalk is, what it does, where to get it, and how to install, configure and test it. We also included a short technical description of how Netatalk works.
If you have a Mac and want to run Linux, you can use MkLinux (see LJ #31, page 55). If you have a PC and want to run MacOS, you can use Executor (see LJ #19, page 40). However, if you have both machines and want to let each do what it does best, use Netatalk. Netatalk lets you keep the operating systems separate while enabling you to transfer files and share printer resources. I paid my dues to wear a Linux T-shirt—I love Linux. I also love my Mac—for entirely different reasons. Since I use the two systems for different purposes, it is often necessary for the two to communicate.
You can transfer small files with a floppy disk (a.k.a. SneakerNet). When the file size exceeds the 1.44MB floppy limit, however, the solution is FTP—fast and efficient, but cumbersome when moving multiple directories containing subdirectories. The ideal solution is to mount the Linux file system on the Mac desktop, then drag and drop files and directories as you do under the normal MacOS. This is exactly the solution that Netatalk gives you. You can also use Netatalk to send print jobs to the Linux printer from the Mac, thereby sharing other system resources.
At the time of this writing, the most recent version of Netatalk is 1.4b2. Don't let the beta suffix scare you; Netatalk is stable, especially for the PC platform. Current development emphasizes new platforms (see Table 1) such as FreeBSD and Solaris—hence the beta appellation. The primary Netatalk host site and directory is: ftp://terminator.rs.itd.umich.edu/unix/netatalk/. From that address all you need to do is download the single file netatalk-1.4b2.tar.gz. You can uncompress and untar Netatalk with normal Linux commands such as:
gunzip netatalk-1.4b2.tar.gz tar xvf netatalk-1.4b2.tar
tar xzvf netatalk-14b2.tar.gz
Note that prior to the release of Linux 2.x, installation of Netatalk required that the Datagram Delivery Protocol (DDP) software be integrated into the kernel. Now that DDP is part of the Linux kernel, all you need to do is make sure that you turn on Appletalk during kernel configuration. Do this by specifying the kernel configuration option as:
You should always use the README files that accompany the Netatalk distribution as the ultimate authority for installation instructions. Since Netatalk is offered for several platforms, as shown in Table 1, there are actually several different README files. Each operating system has its own defaults for file locations. For this reason, the Makefile that comes with Netatalk provides user-defined variables that you can change to alter the installation and ultimately the file structure. For the Linux installation, I used the default values and the installation worked flawlessly.
The DESTDIR variable in the Makefile points to the directory where binaries are placed. The default for this directory is /usr/local/atalk and does not need to be altered. Note that setting DESTDIR causes all installation-relative pathnames to be set correctly. The other important variable is MANDIR, by which you can specify the location of the man pages. The default for this directory is /usr/man, and again does not need to be changed.
Installation to make all binaries begins with the ubiquitous command:
To install the binaries at the root of the source tree, type:
make installPretty easy! Now let's go on to configuration.
As Linux continues to play an ever increasing role in corporate data centers and institutions, ensuring the integrity and protection of these systems must be a priority. With 60% of the world's websites and an increasing share of organization's mission-critical workloads running on Linux, failing to stop malware and other advanced threats on Linux can increasingly impact an organization's reputation and bottom line.
Sponsored by Bit9
Most companies incorporate backup procedures for critical data, which can be restored quickly if a loss occurs. However, fewer companies are prepared for catastrophic system failures, in which they lose all data, the entire operating system, applications, settings, patches and more, reducing their system(s) to "bare metal." After all, before data can be restored to a system, there must be a system to restore it to.
In this one hour webinar, learn how to enhance your existing backup strategies for better disaster recovery preparedness using Storix System Backup Administrator (SBAdmin), a highly flexible bare-metal recovery solution for UNIX and Linux systems.
Sponsored by Storix
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text:
Fair Share Contribution Overview
State health insurance legislation (Chapter 58 of the Acts of 2006) enacted in April of 2006 contain obligations for Massachusetts' employers who employ eleven (11) or more full-time equivalent (FTE) employees. Employers meeting this minimum employment threshold must file a Fair Share Contribution (FSC) report.
How to Contact the Department of Unemployment Assistance about the Employer Fair Share Contribution
DUA encourages employers to read the information on this website thoroughly, and to review the law and regulations in order to become informed about the program.
If you wish to contact DUA with questions, you may do so by emailing your inquiries to the following email address: firstname.lastname@example.com. Please provide a telephone number where you may be contacted, if needed, for a follow-up call.
Also, the DUA Fair Share Contribution Unit may be reached at (617) 626-6080, Option 3.


text:
The Perfect Pedicure For Every Summer Sandal
The Perfect Pedicure For Every Summer Sandal
Nothing enhances the perfect pair of summer sandals like a pedicure in a complementary hue. That's why we rounded up the hottest nail lacquers to pair with the season's chicest trends! From neon stilettos to color-blocked heels, we found a gorgeous shade to complete every style. Keep clicking to see each look now!
Read MoreLess


text:
Plus Letters to Good Times
Passion for the Protest
Ad Raises Issues
When I was 11 or so, I invited a bunch of friends to my house. We gathered in the kitchen, where I set up my little stereo system—some speakers with long, long cords and a turntable. (Am I one of the few who misses those things?) Well, there we all sat to listen to my very first "radio show." With a portable cassette tape recorder handy—I really am dating myself—I grabbed the microphone and away we went. I took in "caller requests" from the three friends at the table. David Cassidy's "I Can Feel Your Heartbeat" was requested. No problem. Next up: Dickie Goodman's "Mr. Jaws" (remember that one?), followed by "Rubberband Man" and a Barry Manilow commercial medley from his double-album extravaganza. In between, I chatted with my guests about things that really mattered—that Ovaltine was better than Tang. Ah ... good times.


text:
If you use the Google search by image function quite often, you know that it can take a few steps to get to your final results. Wouldn't it be easier if you could initiate a Google search for any image, right on its respective Web page?
Latest Articles in Chrome
4 Note-Taking Apps to Edit Text Inside Google Chrome
The web browser has become the most used application on most of our computers, and sometimes it is can be a real inconvenience to switch to another application just to take notes. Here are some of the great text editors you can use right in Google Chrome.
Remotely Access Any Computer via Chrome Browser
If you've ever needed to access a computer remotely, you may have tried advanced software in the past with overly technical steps. Luckily, accessing any computer remotely doesn't have to be that difficult, thanks to the Chrome Web Browser.
Automatically Check And Remove Duplicate Bookmarks and Bad Links In Chrome
Do you have a lot of bookmarks saved in your Google Chrome Web browser? If you've been saving and constantly adding new bookmarks for months or even years, it's inevitable that you're going to have some links that are no longer valid.
How To Push Web Links To Other Browsers In Google Chrome
SendTab is a fast and easy way to share and instantly open web links from one device to another, with literally just two clicks. If you find yourself having to tediously save or email a link to yourself to open it in another PC, then this nifty Chrome extension will be of great help.
Using Google+ to Share to Multiple Social Networks
There are so many social networks out there and only so much time in the day to share to them all. With the Extended Share for Google+ extension for chrome, you can share to multiple social networks from the comfort of Google+.
How to Read the Web Offline In Google Chrome
When it comes to reading something online, we often bookmark the site, determined to get back to them later, but then forget. Read Later Fast gives you instant access to what you want to read whether you are offline or online.
How to Sync Bookmarks Between Firefox and Chrome
If you work with both Firefox and Chrome, and need your bookmarks to be available on both of them, here is how you can sync bookmarks between Firefox and Chrome.
MTE Explains: What is Onion Routing (OR/TOR) And How You Can Get Your Privacy Back
One of the way you can use to protect your online privacy is to make use of an Onion Routing connection. In this article, I will explain what onion routing is and how it can benefit you.
Save Any Web Page as a Custom PDF [Chrome]
Have you ever needed to print out a Web page, but didn't have a printer? Or maybe you have a printer, but you're just looking to save your ink and paper? Whatever your situation, one of the best and easiest solutions to this problem is to simply save the Web page as a PDF file.


text:
The Toronto History
Lecture was inaugurated in 2011 in memory of well-known local and family
historian Paul McGrath and his love for telling people about Toronto and its past. It is free to attend
and open to the public.
Proposals are welcome
from potential speakers on any aspect of Toronto 's
history and should be submitted by 15 April.
To find out more about
this event and featured speakers of previous years, visit our Toronto History
Lecture page at http://torontofamilyhistory.org/learn/toronto-history-lecture/


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