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When life insurers lecture us about our inability to save money, it's time to tune out. Last month the President and CEO of LIMRA, Robert Kerzner, told the Federal Insurance Office that Americans "choose immediate gratification over long-term well-being" and, consequently, aren't planning for retirement.
In case you're wondering, LIMRA used to be the acronym for the Life Insurance Marketing and Research Association, but it no longer refers to itself that way. So, with life insurance ownership at a 50-year-low, it's not surprising that Kerzner is telling us what we're doing is wrong: Not buying life insurance.
Product placement
But just because we're failing to buy life insurance – including whole life insurance with with low interest rates -- doesn't necessarily mean that Kerzner and LIMRA are right.
LIMRA's own figures show that when people find a product they like, and one that works for them, they buy. And that is exactly what happened when life insurance companies sold very appealing variable annuities in the earlier 2000s. These annuities provided not only a lifetime guarantee of income but also the advantage of investing in rising stock funds during the boom years when the DJIA nearly doubled, while still offering a fixed rate of gain, usually 7 percent, even if the market dropped.
Sales set an all-time record of $184 billion in 2007 and this product provided welcomed relief when the market plummeted in 2008 -- which would have otherwise wiped out these gains.
And because of that downside protection, when the stock market took a tumble it wasn't the public that took the fall. It was the life insurers. Thanks to their generosity, variable annuity policyholders were well protected and some insurers, like The Hartford, almost went bankrupt from the losses.
Smarter than the average insurance company
Here's the irony. Many life insurers now are trying to wiggle out of these variable annuity contracts by offering annuitants a one-time cash payout. Simply said, "We want you to choose immediate gratification over long-term well-being."
Another irony: Most long-time policyholders aren't taking the bait, according to The Wall Street Journal. As a result, these life insurers now "face charges against earnings potentially totaling billions of dollars."
Why? Insurers thought that most of these annuitants would let their policies, and the lifetime-income guarantees that came with them, lapse. As a result, two of the largest sellers of annuities, MetLife and ING, already owe nearly $3 billion. So insurers are fighting back. The Hartford is literally forcing owners of these variable annuities to switch part of their holdings to bond funds or lose their guarantees, and AXA Equitable is trying to shift its policyholders into index funds.
Losing their luster
According to LIMRA, sales of variable annuities have been declining for a year and a half and were down 6 percent in the first quarter of this year due to the fact that variable annuities are losing their luster. Llife insurance companies now offer guaranteed returns about 2 percent lower, management fees are higher and stock fund investment choices are meager at best.
Life insurers seem more than willing to accept the decline in sales if it means not having to give up that much in the future. In fact, you could say these insurers are finally heeding their own advice and paying more attention to their own "long-term well-being."
Variable annuities co-mingle an investment account, usually positioned in the stock market, with an insurance policy that assures a guaranteed rate of return, as well as funding for retirement.
Fixed annuities offer a CD-like investment with a guaranteed rate of interest which is usually more than what a bank would pay due to its longer duration. Payment can be immediate or deferred depending on age and need.


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This section contains 8,451 words
(approx. 29 pages at 300 words per page)
Critical Essay by John Emil Sepich
SOURCE: Sepich, John Emil. "A 'Bloody Dark Pastryman': Cormac McCarthy's Recipe for Gunpowder and Historical Fiction in Blood Meridian." Mississippi Quarterly 46, no. 4 (fall 1993): 547-63.
In the following essay, Sepich argues that Blood Meridian's Judge Holden is in many ways a metaphor for Satan, and that the eventual death of "the kid" is the inevitable result of his association with Holden.
Blood Meridian, Cormac McCarthy's tale of a rough gang bounty-hunting scalps in the mid-nineteenth-century American Southwest, contains a remarkable character named Judge Holden. Judge Holden's importance in the novel is far greater than his actual position as one of this band of renegades and desperadoes under the command of the historical "Captain" John Joel Glanton.1 The gang's first meeting with Holden, in a...
This section contains 8,451 words
(approx. 29 pages at 300 words per page)

subset: commoncrawl


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Steven Wilson to Play Boulder Theater, 5/6; Tickets on Sale 1/11
|Related Links
|Prog Ensemble Exovex Releases Debut Album 'Radio Silence'
March 31, 2015
|Deluxe Edition of TEARS FOR FEARS 'Songs from the Big Chair' Out Today
November 11, 2014
|Deluxe Edition of TEARS FOR FEARS 'Songs from the Big Chair' to Be Released 11/11
September 29, 2014
|Jethro Tull's Ian Anderson to Play THICK AS A BRICK 1 & 2 at Las Vegas' Smith Center Tonight
July 05, 2013
|Related: Steven Wilson, Boulder Theater
Z2 Entertainment presents an evening with Steven Wilson to the Boulder Theater on Monday, May 6th, 2013. Tickets will go on sale to the public on Friday, January 11th, 2012 at 10:00 am for $25 general admission standing room, $30 reserved balcony seating & $35 reserved.
One of the most eclectic and prolific artists in rock music, Steven Wilson has been writing, recording, and producing music continuously since the age of 10. A native of Hemel Hempstead in England, Steven was first exposed to music at the age of eight, when he started hearing his father listening to Pink Floyd's "Dark Side of the Moon," and his mother to Donna Summer's "Love to Love You Baby," two albums that were pivotal in the development of his musical direction. His father, an electrical engineer, built him a multi-track tape machine, and he began to experiment with overdubbing and developing a repertoire of production techniques.Early demo tapes started to emerge in the mid 80's while Steven was still at school, and at The End of the decade he created the two projects which gained him entry to the professional music world: Porcupine Tree and No Man. Porcupine Tree, which explored psychedelia, progressive music, and his love of ambitious seventies music, was initially an imaginary "band" which, in reality, Steven overdubbed all the instruments himself. This even extended to early demo tapes coming with a fictional written history of the band, and biographical info about the fictitious performers.Around the same time, Steven formed No-Man, his long-term collaboration with singer Tim Bowness. Influenced by everything from ambient music to hip-hop, their early singles and albums were a mixture of dance beats and lush orchestrations. Signing to One Little Indian in the UK, and Epic in the US in 1990, they received tremendous accolades from the music press, with Singles Of The Week in Melody Maker, Sounds and Hot Press.
About Author
- Casting Roundup: Sarah Chalke, Kim Raver Headline New Pilots
- ADVENTURE TIME Headed to the Big Screen?
- Pilot Season Roundup: Colm Feore, Daniel Stern, Dave Annable to Star in New Shows
- James Franco to Star in New Fox Comedy, WHY HIM?
- Christopher Meloni to Star in WGN America's Slave Drama UNDERGROUND
- Check Out Alex Dunphy's Full College Essay from Latest MODERN FAMILY Episode
- Photo Flash: HBO Reveals Key Art for GAME OF THRONES Season 5
- Syfy to Honor Leonard Nimoy with Special Programming This Sunday
- Grammy Winner Kelly Clarkson Exclusively Premieres New Music from New Album on MTV, VH1 & CMT First
- CONSTELLATIONS' Jake Gyllenhaal and Ruth Wilson Set for THEATER TALK This Weekend


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FY2013 Annual Report
PADD Hazard Mitigation Plan Update
Directions to the PADD
Council of ADD's
Purchase Future Study
The Purchase Area Development District (PADD) offers a diverse collection of services, touching every aspect of life in the Purchase Region. Located in the far-west Kentucky, PADD services include programs for human support, community infrastructure planning, economic development, and special projects – - the blending of these offerings provides a well-rounded approach to meeting the current and future needs of our region.
The PADD is governed by those we serve. Our board of directors includes judge/executives, mayors, and citizen members from the eight counties Purchase Region, including Ballard, Calloway, Carlisle, Fulton, Graves, Hickman, Marshall, and McCracken. Over 250 community members actively participate in committees and task forces that provide input and guidance to the program areas they support. Funding for these programs is provided through a blending of federal, state, and local funding sources.
The Purchase ADD is one in a network of 15 area development districts serving the Commonwealth of Kentucky. These districts were formed through state legislation to assist in the planning, coordination, and implementation of services. Since 1969, Kentucky Area Development Districts have evolved from conduits for regional and local economic development planning to catalysts of change in almost all aspects of life throughout the state and in our individual regions.
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Page last updated on Wed, 11 Mar 2015 14:56:00 GMT.


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- Home
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The Global Volcanism Program has no activity reports for Mashkovtsev.
The Global Volcanism Program has no Weekly Reports available for Mashkovtsev.
The Global Volcanism Program has no Bulletin Reports available for Mashkovtsev.
Mashkovtsev, the southernmost Holocene volcano of Kamchatka (Masurenkov 1980), forms a small peninsula on the Sea of Okhotsk near the southern tip of Kamchatka. The small 503-m-high basaltic stratovolcano has a postglacial summit cone (Sviatlovsky 1959). Two Holocene basaltic cones are located to the north. The age assignments of southern Kamchatkan volcanoes primarily reflect the work of Kozhemyaka, Ogorodov, and Litasov. In cases where radiometric ages are lacking, age assignments are based primarily on a geologic or sometimes strictly morphologic basis. The complex volcanic history of this region reflects several cycles of volcanism, with frequent overprinting of young basaltic cinder cones and small stratovolcanoes on eroded Pleistocene volcanoes. In general, when several Holocene cones are superimposed on an older edifice, the volcano is classified as Holocene; a single flank Holocene cone is listed separately and the older volcano is classified as Pleistocene.
The Global Volcanism Program is not aware of any Holocene eruptions from Mashkovtsev. If this volcano has had large eruptions (VEI >= 4) prior to 10,000 years ago, information might be found on the Mashkovtsev page in the LaMEVE (Large Magnitude Explosive Volcanic Eruptions) database, a part of the Volcano Global Risk Identification and Analysis Project (VOGRIPA).
This compilation of synonyms and subsidiary features may not be comprehensive. Features are organized into four major categories: Cones, Craters, Domes, and Thermal Features. Synonyms of features appear indented below the primary name. In some cases additional feature type, elevation, or location details are provided.
|The small peninsula extending into the Sea of Okhotsk just above the center of the image is Mashkovtsev, the southernmost young volcano of Kamchatka. Cape Lopatka, the southern tip of Kamchatka, lies at the end of the narrow SW-pointing peninsula at the lower right in this Space Shuttle image with the Pacific Ocean at the bottom. Mashkovstev is a small 503-m-high basaltic stratovolcano that has a postglacial summit cone. Two small basaltic cones are located to the north.
NASA Space Shuttle image ISS004-E-11698, 2002 (http://eol.jsc.nasa.gov/).
The following references have all been used during the compilation of data for this volcano, it is not a comprehensive bibliography. Discussion of another volcano or eruption (sometimes far from the one that is the subject of the manuscript) may produce a citation that is not at all apparent from the title.
Erlich E N, 1985. . (pers. comm.).
Erlich E N, Gorshkov G S (eds), 1979. Quaternary volcanism and tectonics in Kamchatka. Bull Volc, 42:1-4.
Masurenkov Y P (ed), 1980. Volcanic Center: Structure, Dynamics and Products. Moscow: Nauka Pub, 299 p (in Russian).
Sviatlovsky A E, 1959. Atlas of Volcanoes of the Soviet Union. Moscow: Akad Nauk SSSR, 170 p (in Russian with English summary).
Vlasov G M, 1967. Kamchatka, Kuril, and Komandorskiye Islands: geological description. In: {Geol of the USSR}, Moscow, 31: 1-827.


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Showing 1-25 of 31 results
Boss PS-6 Harmonist$270.004 stars
Boss VE-2 Vocal Harmonist$279.004 stars
Easy vocal enhancement and harmonies for singing guitarists.
Boss AW-3 Dynamic Wah$189.003.5 stars
Automatic wah and other funky sounds, with optional foot control.
Boss CS-3$154.004 stars
Boss OD-1X Overdrive4 stars
Boss DS-1X Distortion$243.004 stars
Boss ME-80$418.004.5 stars
An affordable do-it-all effects solution for onstage use and recording.
Boss DA-2 Adaptive Distortion$210.504 stars
Boss MO-2 Multi Overtone$259.504 stars
Boss TE-2 Tera Echo$291.504.5 stars
Boss FB-2 Feedbacker/Booster$192.504 stars
Boss GT-100$769.004.5 stars
BOSS BC-2 Combo Drive4 stars
For some better than skin-deep retro action, this is well worth a gander.
Boss RC-3 review$318.504 stars
Boss Power Stack ST-2$185.504 stars
All in, the ST-2 is wholly professional and turns in a quality sound, but at ...
Boss ME-25 multi-FX$276.505 stars
If you want to get started with a unit that laughs in the face of ...
Boss TU-3 pedal tuner$160.504.5 stars
Boss eBand JS-84.5 stars
Boss FRV-14.5 stars
Boss ME-70$418.504 stars
Boss ME-20 Guitar Multiple Effects4.5 stars
Boss SL-20 Slicer3.5 stars
Boss DD-7 Delay$280.504 stars
Boss GT-10$695.504.5 stars
Boss RC-2 Loop Station$299.504 stars
Boss GT-Pro$04 stars
Pro is correct here - this is a great product for a pro-level home studio ...
Boss RT-20 Rotary Ensemble$305.504.5 stars
From Green Onions to Purple Haze and beyond, the RT-20 is great for rotary effects.


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The following is an archive of a post made to our
'vox mailing list'
by one of its subscribers.
LUGOD's library index is sorely out of date (like, by 18 months)!
We've tried arranging a meet-up at Henry's office to try to go through
and update what's online vs. what we have in the library, physically,
but never actually got anything going.
So, I thought I'd harass people once more! Who wants to help Henry
shuffle books? And Henry, when is a good time for you?
vox mailing list
Hosting provided by:
Sunset Systems
Sunset Systems offers preconfigured Linux
systems, remote system administration and
custom software development.
LUGOD: Linux Users' Group of Davis
PO Box 2082, Davis, CA 95617
Contact Us
LUGOD is a 501(c)7 non-profit organization
based in Davis, California
and serving the Sacramento area.
"Linux" is a trademark of Linus Torvalds.


text:
KBS2 drama "Good Doctor" sits at the top with a marginal difference of 0.9%.
According to Nielsen Korea, the August 5th broadcast of "Good Doctor" rated 10.9%.
Previously, the first broadcast of "Shark" rated 2.7% lower than the first broadcast of "Good Doctor".
Meanwhile, MBC "Goddess Of Fire Jeongi" rated 10.0% and SBS "Empire of Gold" rated 9.8%.
Netizens commented about the first "Good Doctor" ratings, "High! and funny!", "Looking forward to the wide variety and solid content in the future" and more.
Source : news.nate.com/view/20...
You're reading the news with potential spoilers, make them spoiler free, dismiss
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[Video] Added Korean drama 'Cruel Palace - War of Flowers' episode 39
2013/08/05 (Source)
Added episode 39 for the Korean drama 'Cruel Palace - War of Flowers' Watch on DramaFever,...More
[Video] Added Korean drama 'Her Legend' episode 1
2013/08/05 (Source)
Added episode 1 for the Korean drama 'Her Legend' Watch on DramaFever,...More
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In the neighborhoods, the convenience of someone on the corner, cooking food in a restaurant or a take-out place is priceless. Many people that work 1 or 2 jobs have no time every single day to come home and prepare a meal for a family. The luxury of having someone else cook can mean an extra hour of sleep, an extra hour or two helping children with homework – the time savings are endless.
One wonders what happened to all these neighborhood food establishments, and the men and women who cooked in them. I hope that someone else, somewhere else is the lucky recipient of some good New Orleans home cooking cause many of them have gone missing here.
Photographed by maringouin
Read about our project depicting the state of New Orleans neighborhoods in the 5th year post-Katrina here


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The Dream Big Oklahoma grant contest is an opportunity for people to fulfill their dreams of self-employment or expansion of their current
business. Entrants compete online for a
chance to win a regional grant, and then become eligible to compete for
a chance to win a statewide grand prize.
Check out the How It Works section for official contest rules.


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[Detail] Leonard Bernstein / Bernice B. Perry, Wilton, N.H
Collection Overview
The Leonard Bernstein Collection, ca. 1920-1989, contains more than 400,000 items documenting the life and career of one of 20th-century America's most important musical figures. This online collection makes available 85 photographs, 177 scripts from the Young People's Concerts, 74 scripts from the Thursday Evening Previews, and over 1,100 pieces of correspondence. The collection's complete Finding Aid is also available online.
Special Features
These online exhibits provide context and additional information about this collection.
- Leonard Bernstein Photo Gallery
- Professor Lenny by Joseph Horowitz
Historical Eras
These historical era(s) are best represented in the collection although they may not be all-encompassing.
- Emergence of Modern America, 1890-1930
- The Great Depression and World War II, 1929-1945
- Postwar United States, 1945-early 1970s
- Contemporary United States, 1968-present
Related Collections and Exhibits
These collections and exhibits contain thematically-related primary and secondary sources. Also browse the Collection Finder for more related material on the American Memory Web site.
- The Aaron Copland Collection, Ca. 1900-1990
- Federal Theatre Project, 1935-1939
- The Irving Fine Collection: Ca. 1914-1962
- The Dayton C. Miller Flute Collection
- William P. Gottlieb: Photographs from the Golden Age of Jazz
- Creative Americans: Portraints by Carl Van Vechten, 1932-1964
Other Resources
Recommended additional sources of information.
- Bibliography
- Finding Aid to the Collection
- Leonard Bernstein Chronology
- The Official Leonard Bernstein Site
Search Tips
Specific guidance for searching this collection.
To find items in this collection, search by Keyword or browse by Title Index, Name Index, or Subject Index.
For help with general search strategies, see Finding Items in American Memory.


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By Dee Grano, The Light Factory
The Light Factory has finalized two guest speakers for the Luminaries Distinguished Lecture Series: Artists Behind the Viewfinder presented by The John S. and James L. Knight Foundation.
We will present photographer Camille Seaman, in person on Thursday, March 22 at 7 pm at Storrs Hall 110 in the School of Architecture at UNC Charlotte. Camille Seaman, a 2011 TED Fellow and 2006 Critical Mass 50 winner, chronicles icebergs that are visually beautiful yet mysterious. Part of this series is currently on display in the Knight Gallery during The Calm before The Storm exhibition.
On Saturday, April 14, The Light Factory will present cult animator and Academy Award nominee Don Hertzfeldt (Rejected, Billy's Balloon, the Meaning of Life) will join us for an evening of his animated shorts on the big screen, culminating in the exclusive regional premiere of his newest film, It's such a beautiful day.
More information and updates can be found on our website.


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interviewBy Magnus Mazimpaka
Kenya Commercial Bank has posted impressive results in its third quarter this year. Recently, The Independent's Magnus Mazimpaka spoke with KCB Managing Director Maurice Toroitich on the strategy behind the bank's success.
How is KCB performing at the moment according to its 2011 third quarter results?
KCB Bank Rwanda Limited has made major strides since inception in December 2008. After two years of loss making, the bank has broken even in 2011. By the end of the third quarter of 2011, the bank's total profit before tax amounted to Rwf382 million as per the audited financial statements, which are yet to be released.
Can you put that success in figures?
As of September 30, 2011, our total assets have grown to Rwf53 billion, up from Rwf3 billion in the same period last year, which amounts to a 75 percent increase. Our loan book has grown from Rwf10 billion in September last year to Rwf28 billion as of September 30 this year--a 174 percent increase. Moreover, our total deposits stand at Rwf42 billion as of September 30 this year compared to Rwf23 billion during the same time last year, signifying a 77 percent increase. As a result, the bank reported a profit before tax of Rwf382 million for the quarter ending September 30, 2011 against a loss of Rwf1.8 billion in September 2010.
What share of the market do you have?
Currently the bank is enjoying a market share of about seven percent.
Describe the nature of the market; what is the trend?
The market has become very competitive with the entry of new players, and existing players also upping their game. The micro and macro-economic environment has become unfavourable with interest rates, inflation and exchange rates on an upward trend. While we anticipate that the growth so far achieved will be sustained, it will be in more demanding circumstances.
What new products have you or are you planning to roll out?
The bank will continue to innovate with a view to offer a one stop high-quality shop to its customers. We anticipate expanding our agency banking and our SME/Micro banking, which is supported by our technology-based delivery channels like Internet banking and mobile phone banking. Both these services enable our customers to enjoy banking services from the comfort of their houses or offices.
2011 is gone. What plans do you have for next year?
2011 has been a very good year to KCB Bank Rwanda Limited. We expect to continue enhancing our business further next year as we endeavor to reach the unbanked population. We shall seek to make banking for our customers a pleasant and rewarding experience. We shall leverage further on our existing and new partnerships in order to make this a wholesome experience.
From the clients' views, your rates need to be revised. What is your plan on that?
Our rates are very competitive and market driven based on the general cost of funds in the market and cost of bank operations. However, we shall continually seek to reduce the costs of our operations in order to make our services available at more competitive rates while also contributing to increased shareholder value.
What challenges is KCB facing in this market?
The structure of Rwanda market is not diversified, leading to a high concentration of closely correlated businesses in a few sectors of the economy. There is also a limited pool of highly qualified personnel in the market and therefore the cost of hiring and training staff adds to the cost of banking operations. Given the geographical location of Rwanda, there are obvious cost elements that also render operating costs high.
You must have solutions; what are they?
We have to create and serve new market segments in the economy. This will help to deepen financial access in the economy and create a spiral growth effect. Innovation and use of technology solutions should help to alleviate high costs of operation and improve shareholder returns. Partnerships and collaboration with other stakeholders should help to increase internal capacity to offer financial services to a wider section of the population at competitive prices. Finally, continuous training and best in class people practices will grow our staff capacity and ability to offer world class financial services.


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Willow River joins local backpack program
November 12, 2010 at 4:49 am in Hudson Star-Observer
Willow River Elementary is the latest Hudson school to participate in the Hudson Area Backpack Program. The program provides groceries for families in non-descript backpacks to carry home for the weekend or vacations. Continue Reading


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Privacy and Cookies
Australian regional airline Regional Express (Rex) has opened its pilot academy at a new campus in Wagga Wagga Airport in New South Wales.
The Australian Airline Pilot Academy (AAPA), a wholly-owned subsidiary of the airline, was previously based in Mangalore, Victoria. Construction started on the A$12 million ($10.2 million) new campus in Wagga Wagga in July 2009.
"Wagga Wagga can be proud that it is now firmly placed on the world map of aviation with the establishment of a first class airline pilot training facility which we believe will rank amongst the best in the world," says the AAPA's chairman Jim Davis.
The school will be able to produce more than 200 professional pilots a year, and has a fleet of Piper Warriors and Piper Seminoles, says a Rex spokeswoman.
"The Academy features complete and integrated facilities right at the airport and a campus that is designed to cater for the complete academic and physical well being of the cadets. It boasts a swimming pool, gym and outdoor sports facilities alongside modern classrooms and well equipped individual bedrooms. Also in a few short months the airport will have a fully operational Instrument Landing System (ILS) the same as those at any major international airport," says Davis.
Australia's government is providing A$1.1 million to help the Wagga Wagga City Council install the ILS, which will allow the airport to remain open during adverse weather conditions.
"The installation of ILS - a project which all up will cost A$1.63 million - will support 15 jobs, with the new world class academy expected to create a further 75 ongoing jobs within the local community," says transport minister Anthony Albanese, who opened the pilot academy in a ceremony.


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3D printing live: Guess the royal baby christening gift
Watch live as The Telegraph attempts to print a gift for Prince George's christening using a new household 3D printer. Can you guess what it is?
Welcome to the Telegraph's first live 3D print - follow us as we put one of the new domestic 3D printers to the test and attempt to fashion a present for Prince George's upcoming christening.
3D printing technology is no longer some futuristic fantasy or NASA plaything but instead can be enjoyed in the comforts of your own home thanks to a new generation of printers that you can pick up on the high street from this week.
The possibilities are seemingly endless, with design sites such as thingiverse.com hosting the blueprints for thousands of products that can be printed out in matter of minutes.
So, is this the dawn of the next industrial revolution? Join us and find out - and don't forget to tweet in your guesses as to what you think the present will be at #tele3dprint
Source and live video


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* Image Gallery figures are not edited by AJA to the same level as the published article's figures.
Supplemental images for "From Site to Landscape: Assessing the Value of Geoarchaeological Data in Understanding the Archaeological Record of Domuztepe, Eastern Mediterranean, Turkey," by Benjamin R. Gearey, A. Fletcher, William G. Fletcher, Stuart Campbell, Ian Boomer, David Keen, Jane Reed, and Emma Tetlow
American Journal of Archaeology Vol. 115, No. 3 (July 2011)
Published online at www.ajaonline.org/imagegallery/928
DOI: 10.3764/ajaonline1153.Gearey.suppl


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In our most recent study of customer service on Twitter, we found that the demand for customer support through the social network has grown by 44% year-over-year.
Of all the brands analyzed, these 10 are using their dedicated customer service handles to field the highest level of inbound Tweets. What are they doing differently? See for yourself:


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MUCH as the latest move by the Bank of Tanzania (BoT) to intervene in the money exchange market to save the free-fall of shilling is a right move, it offers nothing tangible to celebrate.
The shilling maintained a strong ground in the past ten months but failed to hold on in the last two weeks after sending strong signals across the money markets that the local currency was making huge gains against world major currencies.
According to BoT data, the shilling has been trading as low as 1,602/- per dollar since last Tuesday, forcing the central bank to take the strategic move to rescue the local currency from further decline.
Money market analysts argue that the shilling will drop further, thus pushing up prices of goods and services. This will trigger high inflation especially on fuel and food as the festive season draws closer. The oil bill alone consumes about 3,457.6 million US dollars or 27.05 per cent of the total imports.
The economy, which is growing at an annual average of 6 per cent, cannot afford frequent uncertainties in the money markets as in the present scenario.
This is because investors would always keep their dollars to create artificial shortage in anticipation of reaping maximum profit when the rates go up. Local manufacturers should, therefore, be given incentives to invest in high risk sectors to enable them pay back their bank loans and make profit.
The central bank report shows that the value of export of goods and services was 8,281.5 million dollars during the year ending August 2012 compared with 7,185.9 million dollars recorded during the corresponding period in 2011.
However, during the year ending August this year, the value of import of goods and services was 12,781.6 million dollars, compared with 10,817.8 million dollars recorded in the year ending August last year.
The increase was largely driven by oil imports, following a rise in oil prices in the world market coupled with an increase in domestic demand particularly for thermal power generation. The government must chart out strategies to ensure the country imports less and export more to bring in the much needed foreign currency.
Leaving the fragile market so freely to cheap imports will hurt the national economy badly. A solution must be found sooner than later.


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I went into the city last week to find Warby Parker. I'd learned about the company on "60 Minutes" and it sounded too good to be true. Neil Blumenthal and Warby Parker started an eyeglass store when they went to buy glasses and left feeling ripped off. They began to think about how they could find a way to drastically reduce the cost of glasses and still create beautiful frames. They did. Here's how it works:
You go to their web site and ask to see 3-5 frames (sent to you free in the mail) before purchasing. Decide on one, send Warby Parker your lens prescription and choice of frame. They make you a pair of prescription eyeglasses for $95 (!) and send them back to you within ten days sans shipping charges.
And if you don't believe what this outfit can do and want to see it for yourself — as I did — you go to their New York office on Lafayette Street and work through the process in person.
I headed downtown to Lafayette Street, went up five flights in a beautiful old antique elevator and stepped out into their showroom.
It was like a mini APPLE store. Everyone was young. Everything was white and minimalist. One whole wall displayed all the frames and selections. Black, white, tortoise, pastel; round, square, half-frame. Just like your regular eye doctor's office. But much cooler.
A young guy (wearing glasses) and smiling came right up to me, took me over to the frames, asked me to choose the ones I liked, and waited patiently while I tried on five or six pair. I picked one out, pulled out my prescription and asked if my prescription applied to their operation. I don't have young eyes; they're not 20-70, but still the lenses I needed are not One-Size-Fits-All. He went to his computer screen, typed in my prescription and assured me they could make them. He scanned my credit card, told me I'd have my new reading glasses in a week.
"If they don't fit or you don't like them," he said "send (or bring them) right back and we'll have them adjusted so they work. Or exchange them. And also," he said, "because you're a first time customer, they'll only cost you $90, not $95."
(Where does that $5 savings to me and all first-time customers go I wondered.)
This whole process took 5 ½ minutes. Really.
These guys started their business because they figured out that the prescription eye glass business is a costly monopoly and everyone's caught in its trap. They knew they could find a way to make eyeglasses affordable. Until I discovered Warby & Parker I thought I had no choice but to pay whatever exorbitant price lenses and frames cost. But W&B make lenses and frames at affordable prices with speed and efficiency. And style. Their frames are very stylish. Very cool.
BUT THE BEST PART: for every pair of glasses purchased, Warby Parker donate a pair of glasses to people who need them but can't afford them: school children in some remote part of the world or the elderly or people cut off from doctors or people without the means to buy them. People here or in Bangladesh.
To date, Warby Parker has donated 75,000 pair of glasses to people around the world.
"Glasses," Neil Blumenthal said, "are an incredible tool in fostering economic development and creating jobs … whether you're in New York or in a poor village in Bangladesh…"
So here's my thought: why not apply Warby & Parker's smart and generous idea to other businesses? Why not to real estate, for example?
Let's just say that every time a real estate broker makes a deal ?— rental or sale — and receives a commission, $5 comes out of his or her side of the commission and $5 comes out of the agency's side. Every deal then constitutes $10. Multiply that by 20 agents in one office. If all 20 agents in one office made just one deal, that's $200. Let's assume that every agent makes at least 20 deals a year (including rentals) so that's 200 x 20 and we're up to $4,000. NOW consider that if one office can collect $4,000 a year, then every office in town (we have 15 agencies in East Hampton alone) could do the same — suddenly $4,000 becomes $60,000 in a year's time. That small $5 donation could add up to a great deal of needed money in our community — for money toward low-income housing or computers for our schools or food for a food bank or fellowships for gifted high school graduates or camp for underprivileged children or….the list goes on and on.
Check out Warby Parker.
"We make glasses," Blumenthal said "that are the same quality as a $500 pair for $95, but even at that price, there are about a billion people who don't have access or simply can't afford them. That's about 15 percent of the world's population. At the end of the day, what matters is having glasses on someone's face so they can see to work or see to learn."
A donation as small as $5 can go a long and wonderful way.


text:
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text:
If You Are a Parent, You NEED To Read This Book.
Much of the insight in this book is based on the attachment theory of human development. Part one of the text discusses the idea of peer orientation in relation to contemporary parenting. Following are four points I found noteworthy (I've done some paraphrasing here) along with a quote.
1. Parenting requires the context of a secure attachment relationship to be effective.
Parenting is not a task . . . one more thing for us to do well, one more aspect of our lives to become good at, another rung in our competency ladder. This one hit home for me, given my love of devouring information on raising children. I enjoy reading what experts, other parents, writers, psychologists, etc. have to say. I blog about it, and read similar blogs to see what folks are saying, to learn, to share, to advise, and to (sometimes) commiserate. I want to be a good parent (whatever that is).
However, parenting is not about learning the best technique, the right skills, or the most efficient way to "train" your child. It's about the relationship you have with your child.
The secret of parenting is not in what a parent does but rather who the parent is to a child. When a child seeks contact and closeness with us, we become empowered as a nurturer, a comforter, a guide, a model, a teacher, or a coach. For a child well attached to us, we are her home base from which to venture into the world, her retreat to fall back to, her fountainhead of inspiration. All the parenting skills in the world cannot compensate for a lack of attachment relationship. (from Chapter 1, Why Parents Matter More Than Ever, page 6)
2. Children need to be oriented to adults, not each other.
Think of orientation as your compass . . . it allows you to get your bearings, it provides guidance, and shows you where "north" is when you get off track or face uncertain paths. The authors use the term peer orientation to describe the situation in which children look to peers instead of parents for this most basic instruction and modeling.
The problem is, you cannot have more than one "north"; the child cannot follow the values of both parents and peers simultaneously. When the natural parent-child orienting relationship is undermined, the impact of peer culture is devastating. Children end up being "raised" by themselves . . . attached to and oriented by each other rather than adults. Children are way too immature to take on this task.
Are we saying that children should have no friends their own age or form connections with other children? On the contrary, such ties are natural and can serve a healthy purpose. In adult-oriented cultures, where the guiding principles and values are those of the more mature generations, kids attach to each other without losing their bearings or rejecting the guidance of their parents. In our society that is no longer the case. Peer bonds have come to replace relationships with adults as children's primary sources of orientation. What is unnatural is not peer contact, but that children should have become the dominant influence on one another's development. (from Chapter 1, Why Parents Matter More Than Ever, page 9)
3. We spend far too much time focused on behavior, and far too little time focused on relationship.
There is a very good reason most "discipline" methods fail: They don't address the real issue. We like to feel like we have taken charge, had a plan, followed through with consequences when things go awry. The problem is, reacting to behavior by trying to do something to encourage or to change it (i.e., rewarding the positive and punishing the negative) is missing the boat. It's never just about the specific thing our child has done or not done. Why can we see this so clearly with other people in our lives but not our own children? I love the following quote more than any other in the entire book because I think it explains this concept so well. It's in response to a parent whose teenage daughter has become distant, rude, overly concerned with privacy, and uninterested in conversation; traditional methods of discipline have proved useless.
Imagine that your spouse or lover suddenly begins to act strangely: won't look you in the eye, rejects physical contact, speaks to you irritably in monosyllables, shuns your approaches, and avoids your company. Then imagine that you go to your friends for advice. Would they say to you, "Have you tried a time-out? Have you imposed limits and made clear what your expectations are?" It would be obvious to everyone that, in the context of an adult interaction, you're dealing not with a behavior problem but a relationship problem. And probably the first suspicion to arise would be that your partner was having an affair. (from Chapter 2, Skewed Attachments, Subverted Instincts, page 16)
4. Our current culture devalues attachment.
Adult-child attachment relationships don't receive the priority they deserve. Children, sometimes from just a few weeks old, spend a lot of time in each other's company with minimal adult contact. Parents are likely to choose a child care provider or educator based on economics and recommendations from other adults, without any consideration of how their children may or may not develop a relationship with the adult responsible for their care. No "collective consciousness" exists that keeps attachment in the forefront of such decisions.
In addition, we separate people into age categories all the time, and have come to see this as normal. Schools group students by age into separate classrooms. Churches usher folks off to toddler rooms, teen centers, and senior groups. Most social gatherings, even those designed as family functions, divide activities into those for adults and those for children. We view multigenerational events at best as quaint, at worst as just plain odd.
In our society, that natural order has been subverted. From a early age, we thrust our children into many situations and interactions that encourage peer orientation. Unwittingly, we promote the very phenomenon that, in the long term, erodes the only sound basis of healthy development: children's attachment to the adults responsible for their nurturing. Placing our young in a position where their attachment and orienting instincts are directed toward peers is an aberration. We are not prepared for it; our brains are not organized to adapt successfully to the natural agenda being so distorted. (from Chapter 3, Why We've Come Undone, page 32)


text:
May 9, 2007 12:44 PM PDT
Sun hopes for Linux-like Solaris
- Related Stories
Sun looks to jolt interest in JavaMay 12, 2007
Open-source Java--except for the exceptionsMay 9, 2007
Sun aims for ultracheap cell phonesMay 8, 2007
Sun hires Debian Linux founderMarch 19, 2007
The project is one of the items on the to-do list of Ian Murdock, founder of the Debian version of Linux and, as of March, Sun's chief operating systems officer. Though he wouldn't confirm the name of the project, Murdock--who's from Indiana--discussed the project's essence at the JavaOne conference here Monday, and Sun spokesman Russ Castronovo confirmed the name.
Sun has been trying for years to restore the luster of Solaris, a version of Unix that peaked in popularity in the late 1990s, but that since has faced a strong challenge chiefly from Linux. Sun has worked to reinvigorate Solaris by boosting its performance, offering it as a free download, making it an open-source project called OpenSolaris, and pushing a version that runs on servers using Intel's and AMD's mainstream x86 processors.
Linux and Solaris are cousins that stem from the same Unix heritage, if not from the same source code. But Linux fans simply have a hard time trying Solaris, Murdock said Tuesday.
"It's too unfamiliar. There's a gulf," Murdock said in an interview. "We need to make it familiar to people who know Linux inside and out."
Sun is smart to try to bridge the gap, said RedMonk analyst Stephen O'Grady. It would solve Solaris' problems, ease people's transitions from Linux to Solaris, and save Sun efforts in reinventing the wheel.
"How do you reach areas where you're falling short? By leveraging pre-existing technology. That's the open-source way," said O'Grady, an Ubuntu Linux user who found Solaris harder than it needed to be.
Project Indiana has the attention of Sun Chief Executive Jonathan Schwartz, who dangled the Project Indiana name before blog readers last week, saying Sun employees are asking about it but that Murdock said it's still secret.
Programmers, who today often use Linux, are an influential group that Sun wants to reach: "The developer desktop is the gateway to so many interesting places where Sun makes its money," Murdock said. "Sun needs to have a better experience for developer workstations, which means laptops."
Basic operations, such as the "ls" command to see a listing of files in a directory, behave differently in Solaris, and Solaris lacks Linux tools for packaging, downloading and installing software such as Debian's apt-get, Murdock said. And Linux's installation process is much better than that of Solaris, in part because of better hardware support, he said.
Sun wants to embrace some Linux elements so "we make Solaris a better Linux than Linux," Murdock said, quoting Netscape co-founder Marc Andreessen, whose latest start-up, Ning, uses Solaris.
People are interested in Solaris technology such as DTrace, which lets administrators peer deeply into running software to uncover performance bottlenecks, and ZFS, file system software designed to make storage systems more reliable and easier to manage. But good luck to Linux fans trying to kick the tires.
"Even if you're spectacularly interested in these technologies, you can get derailed quickly," O'Grady said. One gripe in particular is Solaris' "20-year-old shell," basic command-line interface software that doesn't even support keyboards' backspace key, he said.
Linux has the advantage over Solaris when it comes to hardware support, Murdock said. But there's a barrier to code-sharing between the two projects: currently, the core "kernel" software of Solaris and Linux is under different open-source licenses, meaning that software from one project generally can't be moved to the other.
However, Schwartz has talked frequently of the possibility of releasing Solaris under the GPL that governs Linux, which--if both operating systems use the same version of the GPL--would theoretically permit code sharing.
There are technological limits to cross-pollination between the two operating systems as well; Linux driver software to support a particular piece of hardware can't simply be copied to Solaris to enable support. But Murdock believes it would be possible to plug in such support through the use of "shim" software that could smooth over the interface mismatch.
It's a tricky balance to adopt elements of Linux while preserving Solaris technology and advantages such as the promise of backward compatibility, which guarantees old software will run on new versions of Solaris.
"As we make Solaris more familiar to Linux users, we don't (want to) lose what makes it more compelling and competitive," Murdock said.
See more CNET content tagged:
Sun Solaris, Sun Microsystems Inc., Stephen O'Grady, Linux, Debian
17 commentsJoin the conversation! Add your comment
- Good luck with that
- I still remember the days where Sun engineers where laughing at XFree86, compared to their "superior" X server and their CDE (back when Linux had fvwm).
Few days ago I had to install Solaris 10 on X4100 machine. Boy, that was a nightmare. Someone at Sun should really take either SuSE or RedHat based distribution and compare their installation, comfiguration and first time usages compared to Solaris, which make Solaris looks really arcane! where's the standards in packaging? packaging paths? some default customizations? easy tools for configurations? some more sane ways to config network on 2+ network cards?
Sun engineers: get yourself a Linux distribution and see whats you're missing for the last 10 years! here's a hint: sticking X.org and GNOME doesn't cut it!
- Like Reply Link Flag
- If Sun wants a Linux like OS that bad
- why not just license a distro of Linux and start adding in Solaris features to it? Call it Solarix or something. Pick Unbuntu or Fedora, they are two popular distros.
Keep Solaris for those SPARCStations and other systems that Sun sells, and offer Solarix to the PC and Mac users who want a Linux-like OS.
Oh by the way, remember that OpenDesktop that Sun/HP/Next worked on with OpenStep, why don't Sun make a deal with Apple to license Aqua and other Desktop aspects of OSX, like it did with Next before Apple bought out Next?
- Like Reply Link Flag
- Why mess with Solaris anymore?
- I used Solaris x86 around 10 years ago in a production system - not because I really wanted too, but because it was the only SVR4 operating system who's DigiBoard drivers wouldn't crash it. My experience was with System V at the time and Linux really wasn't quite up to the task yet. Frankly, I didn't mind it at the time and was quite happy with it.
Ironically it was just this weekend that I thought I'd install it and give it a whirl. So I downloaded the latest x86 DVD and installed it in VMWare.
Now, I'm not a GUI person when it comes to my Unix-like operating systems. But - OH MY GOD - talk about bringing back old memories. What is this... old-school Motif? Give me a break.
My impression is, why mess with this? There's simply no reason anymore to run Solaris when you have better alternatives such as Linux or even Windows.
Unless you have an application that requires Solaris for whatever reason, you're better off with something else.
- Like Reply Link Flag
- There's always a reason for Solaris!
- Being a Solaris native of old myself, I really wouldn't throw
Windows in the same league as Solaris; definitely two different
operating systems tackling two different market segments and
exactly why you'll find Windows in one place and Solaris in
another place. Solaris has always had a great reputation for a
solid workhorse of a Unix environment; basically taking the best
of BSD and System V and building what could be considered the
best of the best in the Unix world. Linux is definitely making
great headway, but still has a ways to go before stacking up to
the more mature code base of Solaris.
As far as Motif and CDE in general; a great desktop environment
that stagnated. It certainly made desktops like Mac and
Windows look like toys when put side by side back in the day,
too bad it's hey day is over :-(
- Like Link Flag
- Have they heard, if you cant beat them, join them?
- If they are going to waste there time, why dont they try to make a new linux version,with whatever they one from solaris on it? Maybe they create a more solid, secure, etc version that people will actually use.
- Like Reply Link Flag
- Sun Is Awefully Late To The Table
- Just what the world needs, another Linux distro. What compelling reason does Sun have to enter an already crowded market? So they're going to make revenue from a free OS? Great strategy. It seems to me that Sun has just run out of new ideas. What's next, a makeover for CPM?
- Like Reply Link Flag
- os/x not linux already has the Solaris goodies! (ZFS + Dtrace)
- yes, solaris is cool & opensolaris is a good thing -
but it is os/x not linux that delivers these tasty morsels - like
zfs & dtrace - into developers hands (first, and not by using
it is especuially ironic (and wishful thinking) on the part of sun's
management to think linux will deliver developer mindshare to
them -- when all the cool cats at sun are already using mac
laptops! ;-) let alone all the groovey folks in ruby land etc etc.
yes, driver support for linux is getting better but it is nowhere
NEAR as pervasive as mac support - so linux is still not the
optimum platform that gives an oem like sun access to
developer's hearts & minds.
it is useful to observe that - with RARE exception - it is linux
that brorrows ideas from its unix big brothers (solaris, bsd etc).
linux is not a value-added platform ... it is merely the lowest
common denominator.
should other (technically) serious unices (like darwin & solaris)
offer more compatibility with their kid brother, linux - sure!
but sun should take note that it is others - eg ibm & oracle -
that make big money from delivery java solutions, not sun from
its java licenses ... the same is true for unix: apple makes loads
from selling a solution on top of a great infrastructure, not the
nots & bolts itself.
sun is to be commended for being more aggresive with java &
solaris --- but it wont make incremental profit from either
unless they are part of coherent & cohesive platform.
'java everywhere' does not mean alot when web services can
deliver solutions (albeit relatively simple ones) that are as
platform agnostic as java is (supposed to be) much more
solaris (and java) should look at how corba failed to deliver
pervasive success because it did not attatch itself to a 'killer
ibm, microsoft, apple, oracle (and one day google) all fill out
their software stacks so they can create eco-systems around
their platforms - SUN needs to do the same.
- Like Reply Link Flag
- Right On!
- I believe that Sun's Solaris + Java infrastructure is the best platform available for serious business uses.
But Apple's OS X is the best development platform available by far. Mainly because of that stellar UI on a rock solid foundation.
Sun could learn quite a lot from Apple's approach.
- Like Link Flag
- Eco-systems
- Apple definitely doesn't belong in the group of IBM, Microsoft and Oracle. At least Microsoft makes sure as much software and hardware works with Windows and gives people freedom to change change and configure their computers as they wish. Apple is almost the opposite (just look at the iPod / iTunes eco-system).
- Like Link Flag
- Solaris vs. OS X
- I used Solaris on Sun Sparc Machines and Ultra 1 and Ultra 2 like
in 2000, right before the .dot bubble popped. I still remember
the .dot commercials that Sun used to air, I still remember the
$70 per share stock price, now it's like around $7 or something.
One of the things that I learned when I used to trade on the
stock exchange is that, majority rules, whatever the majority is
thinking, one would be pretty stupid to bet against the numbers.
Unless Sun makes some inroads into the Solaris soon, they will
not be around or be substantially smaller into the future. Their
hardware is great! - and I liked Solaris at the time of using it,
but they just move slow - compared to the rest of the market.
- Like Reply Link Flag
- and OS X
- as far as I am concerned is the best OS that I have worked with.
I can do so many things all at the same time and my machine
don't freeze or crash, nothing!
For $2000 I bought a 64-bit machine that can take up to 16GIG
of ram and few PCs can claim that in the same rank. I been
using computer since my first one which was a diskless IBM PC
Jr, I loked the keyboard and the memory bricks that you had to
screw on the side of the computer to add RAM. OS X is the best
to date from my experiance of using it all, almost all.
- Like Link Flag
- OpenSolaris isn't trying to be Linux-like--it's just using GNU utilities, which pre-date Linux and are also used by *BSD and other UNIX and UNIX-like OSs. Linux didn't invent GNU utilities, but were borrowed to complete the picture.
Solaris has strengths on it's own, such as ZFS filesystem features of commit/rollback, RAID, and live upgrade, and dtrace for debugging/diagnostics/performance tuning.
- Like Reply Link Flag


text:
Trading places: this week's people moves
By Loulla-Mae Eleftheriou-Smith, brandrepublic.com, Friday, 12 October 2012 09:30AM
Chris Bovill and John Allison, Fallon's creative partners, have quit the agency to head up 4Creative, while former M&S woman Kate Bostock resurfaces at Asos, in this week's people moves across marketing, advertising, media and PR.
Channel 4 has hired the Fallon creative partners Chris Bovill and John Allison to head up its in-house agency, 4Creative. (Campaign)
Carlsberg has appointed ex-Pepsi marketer Thomas Moradpour as the vice president of the Carlsberg brand. (Marketing)
Asos has confirmed that it has appointed Kate Bostock, the former executive director of general merchandise at Marks & Spencer, in a board-level executive role. (Marketing)
Vodafone's marketing operations have been plunged into further uncertainty by the decision of UK marketing chief Danielle Crook to leave for a senior role at Starbucks. (Marketing)
British Gas has promoted its director of marketing and insight, Will Orr, to the role of commercial director, which has been vacant since Rick Vlemmiks' departure earlier this year. (Marketing)
Nike has appointed its marketing director for Northern Europe Nicole Hubbard as its top UK and Ireland marketer. (Marketing)
Ilari Nurmi, Nokia's vice president of product marketing, has left the company only a month after controversy broke over a faked video for the new Lumia phone. (Marketing)
Digital Cinema Media, the cinema ad sales house, has appointed Zoe Jones, currently Clear Channel International's head of communications, as its new director of marketing, replacing Fleur Castell. (Media Week)
Andy Atkinson, joint head of trading at Channel 5, is to leave the broadcaster after less than two years. (Media Week)
Kinetic Worldwide has made a number of senior appointments as it looks to bolster its senior management team and drive growth in the US, Europe and emerging markets. (Media Week)
The Wall Street Journal has hired Nina Lawrence from Condé Nast as vice president of global marketing for ad sales. (Media Week)
Christian Dior has appointed Rebecca Filmer as its head of public relations from rival cosmetics brand L'Oreal. (PR Week)
Culture Secretary Maria Miller has appointed Nick King, a consultant from Hanover, as her new special adviser. (PR Week)
This article was first published on brandrepublic.com
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text:
Thank you.
Hey fellow KoRn lovers XD
I know i dont usually write blogs, just post my poetry, but i would like to thank anyone who has ever read even one of my poems.
Because of y'all i continued to write. And i put my poem "On Your Way" in a contest.
And..... Well..... Now i am a semi-finalist in the International Open Poetry Contest.
So i would like to thank you all from the bottom of my heart, if it wasnt for you guys i would have probably just stop posting my poetry for lack of reads. So i cant even begin to tell you how amazingly thankful i am.
I love you all.


text:
Exterior: Surface Preparation FAQs
Recent Questions
Q: Should I caulk the lap joints on my siding? I have heard that uncaulked lap seams allow moisture to escape.
A: It is not a good idea to caulk the lap on your siding. To do so could trap moisture from inside the home behind the siding, causing it to come out through the paint, resulting in peeling.
Q: I occasionally paint buildings where non-galvanized iron nails were used in siding and have rusted, causing a bleeding on the old paint surface. Will an acrylic latex cover these stains and prevent further bleed-through, or must something be done to these nailheads before applying the acrylic latex topcoat?
A: Stains caused by rusted nails will bleed through the topcoat of even the most durable paints unless a stain-resistant solvent-based or acrylic latex primer has been applied first. If you are painting new exterior construction where non-galvanized nails have been used, it's advisable to spot-prime the nailheads and any knots in the wood prior to applying the topcoat.
Q: How do I find out if the paint on a house exterior is latex or oil? Is there a quick test?
A: If the old paint is peeling, take a good size piece of the peeling paint and hold the edges of it between your thumb and index finger. Exert pressure on both sides of the chip. If it is very flexible and bends easily, it is probably latex. If it is hard, brittle and breaks instead of bending, it is most likely oil-based paint. Another way to test the paint is to wet a rag with denatured alcohol and rub the surface of the paint. If the paint softens or rubs off, it is most likely latex. An alcohol test usually will not affect an oil-base paint.
Q: Why do I need to use a primer instead of just using two coats of the finish paint?
A: A primer is beneficial because it helps provide a uniform surface that promotes good adhesion of the topcoat. A primer can also serve a special purpose by sealing a porous surface, blocking out stains, preventing rust formation on iron and steel, and preventing tannin bleed on wood. Most finish paints are designed to provide a decorative or protective finish for a substrate. In most situations, they do not provide the features of a primer, so it is always important to follow the manufacturer's recommended coating system.
Q: What causes fisheyes
A: Fisheyes are caused by some type of surface contamination that was not removed in preparation for painting. This contamination can be from body oils, silicone from furniture polish, or any greasy or oil substance. The slippery deposit on the surface does not allow the paint to adhere, causing it to shrink away from the contamination and form a dimple-like void in the paint film.
Q: What types of cleaners can I use to remove mildew?
A: Try using a solution of one quart household bleach in three quarts of water. Apply the solution to the area with mildew and then rinse off with water. Never add detergents or ammonia to the bleach/water solution. Always protect your skin and eyes against splashes.
Q: What is the best way to clean a new galvanized surface before painting?
A: If it is not practical to allow the surface to weather for six months before painting, it must be cleaned with a solvent to remove any surface contaminants and oils applied by the manufacturer to prevent oxidation of the zinc in the galvanized coating. This is best accomplished by using a water-soluble degreasing cleaner applied with a clean cloth or sponge. Change sponge or cloth and cleaning solution frequently so the dirt and oil are removed from the surface, not just spread to other areas. Rinse the surface thoroughly and allow to dry before painting.
Q: How long should I wait to apply paint over new stucco?
A: Until recently, you had to wait one to two months for the stucco to cure properly. However, new-generation masonry primers speed up the process considerably. For instance, Loxon Exterior Masonry Primer from Sherwin-Williams can be applied as soon as the stucco is hard, dry and at a pH level of less than 13. After the primer dries, you can follow with latex house paint immediately.
Q: Can you paint over existing glass particle type stucco and if so, how?
A: Handle it the same as you would a regular stucco finish. Loxon Exterior Masonry Primer can be applied as soon as the stucco is hard, dry and at a pH level of less than 13. After the primer dries, you can follow with Duration® or Super Paint. The small glass particles should be imbedded into the stucco enough that they shouldn't bother the adhesion of the new paint.
Q: Is it necessary to prime aluminum or vinyl siding before painting?
A: No, as long as the siding has had a chance to weather a year before painting. You do need to clean the surfaces first with an Extra Strength Cleaner Degreaser. You want to be sure the surfaces are free of chalk and residue.
Q: How should vinyl siding be prepared prior to painting?
A: Power wash the vinyl siding or use warm soapy water to remove dirt and chalk. Wire brushing or sanding can mar the surface and cause permanent imperfections.
Q: How would you handle aluminum siding that has been painted a few times and now has a chalky quality that rubs off when touched?
A: Any surface that has a chalky feel should be cleaned to remove the chalk before painting. The easiest and most effective way to do this is by pressure washing and using a chemical injection system attached for the detergent. Be sure to allow the siding to dry a day or so, to allow the water that is driven up behind the siding to work its way out before painting.
Q: Is acrylic latex paint a good product for rough-sawn exterior grade plywood siding? Should the plywood siding be treated with a preservative before applying the primer and then topcoat?
A: Quality acrylic latex paint is an excellent choice for painting rough-sawn exterior plywood siding. Preservative treatment of the wood before painting is not necessary if proper construction practices are followed when installing the siding. There should be no contact of the bottom edge of the siding with soil or other surfaces where water can puddle.
Q: How long do I have to wait before staining or painting a new pressure-treated deck?
A: In the past, the rule of thumb was to wait until the green color faded away. Recent studies have shown that waiting the six to 12 months necessary for this to happen allows the wood to deteriorate too much. To adequately protect treated wood from the harmful effects of rain, snow, mildew and the sun's ultraviolet rays, the wood should be allowed to thoroughly dry first. Then if the wood will accept a finish, coat it with one of the Sherwin-Williams SuperDeck® systems.
Q: I have an old deck that my customer would like painted. What is the process for such a project? Will it extend the life of the deck?
A: Painting a wood deck can be the start of an ongoing, frequent painting project. You will be much better off in the long run to take the time now to remove any existing finish, clean the wood, and finish the deck with a deck sealer or stain.
When you apply paint to a deck, you put a continuous film of paint on the surface. Also, you are usually only able to paint the top and ends of the boards, leaving the sides and underside unprotected and able to absorb moisture. The moisture in the wood is then drawn to the surface by the heat of the sun and gets trapped under the continuous film of paint. The paint then blisters and peels, and you start the cycle over again.
A deck sealer or stain does not form a film like paint, but still protects the wood from the elements and allows moisture to pass through it, lessening the likelihood of blistering and peeling. Most of the sealers and stains are clear or semi-transparent, so the wood has to be in pretty good shape to be able to use them. There are some solid color stains designed specifically to handle foot traffic on a deck that can be applied on an old deck after it is prepared according to the manufacturer's label instructions.
Q: I have a house with masonite siding that hasn't been painted in several years. In places the paint is in really bad shape. What is the best way to remove the old paint? Do you recommend a quick-drying primer/sealer for priming damaged masonite siding?
A: The best way to remove the old paint is by scraping and sanding to bare wood. Be careful not to be too aggressive or you'll damage the siding. If the siding has deteriorated, or is "swelling" due to water absorption, it should be replaced. I recommend an exterior grade alkyd primer followed by two coats of acrylic latex house paint. The alkyd primer is best because it seals better on the lower edge of the siding, which helps prevent edge swell, a common problem on hardboard siding.
Q: Does preprimed hardboard siding have to be primed after it is installed on a house?
A: It is always a good idea to check the siding manufacturers' recommendations before painting, but in most situations it won't hurt to apply a coat of exterior alkyd primer before applying two coats of an acrylic latex topcoat. A coat of primer will promote better adhesion of the topcoat and assure that the hardboard, particularly the bottom edge, is adequately sealed from the elements.
Q: What determines if a joint should be recaulked? Should old caulk always be removed?
A: If the old caulk is cracking or pulling away from the surface, dig it out and replace it. Prime the bare wood then re-caulk. Any butt joint in siding or other joints between two pieces of wood should be caulked. You DO NOT want to caulk the lap joints of siding since they allow moisture to get out from behind the wood.
Q: How do I determine when a concrete floor is ready to paint?
A: New concrete should cure for at least 30 days. Check for moisture by taping a 2'x2' piece of 4-mil plastic to the floor with duct tape. If no darkening of the concrete or condensation is evident after 24 hours, the floor is dry enough to paint. The floor should be thoroughly cleaned and acid etched prior to application.
Q: Can acrylic latex house paint be applied over gloss alkyd paint? Is special prep work necessary to ensure good adhesion?
A: Yes, to both questions. But, to ensure good adhesion, glossy surfaces must first be washed clean and then sanded to allow the paint to "grip" the surface. Gloss alkyd paints that are exposed to harsh weather conditions have a tendency to "chalk" - that is, the old paint film develops a faded, powdery substance on the surface. So it's best to wash off any excessive chalk prior to applying an acrylic topcoat. When painting bare surfaces, use an appropriate primer before applying the topcoat. This will ensure the best adhesion and long-term durability.
Q: Many of the specifications I read call for solvent cleaning as the surface preparation. What's the best solvent to use?
A: The most popular specification for solvent cleaning is SSPC-SP 1, from the Steel Structures Painting Council. It describes solvent cleaning as "A method for removing all visible oil, grease, soil, drawing and cutting compounds, and other soluble contaminants from steel surfaces." Although they may be used in some situations, "solvent" does not necessarily refer to paint solvents such as mineral spirits, xylene, lacquer thinner, etc. Many contractors prefer to steam clean or use a water-based emulsion or alkaline cleaners to remove the contamination. For environmental and safety reasons, it's best to use the mildest "solvent" that will get the job done.


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Just as one man's carefully-nurtured tone is another's nail to the ear drum, the look of some amps can turn as many stomachs as they do heads. We've taken a straw poll around t'internet and corralled just five amps that we reckon mix quality tone, a wealth of features and sheer vibe with eye-popping looks.
We've probably missed a hundred or so, so point us in the right direction if you'd be so kind!
1 - Mesa/Boogie Road King
Boogie offer a wide selection of finishes, liveries and other custom vibes through their lauded Custom Design service. It's not cheap, but boy does it make a selection of great amps look as good as they sound. This version of the all-conquering Road King is clad in Saddle Tan Suede and is crowned with a gold grille. In the words of the Churchill bulldog: "Oh yessshhh...!"
2 - Budda MN-100
Budda provide some wonderful amps, but none are as cool as this brand new MN-100, a three-channel affair clad in a leather cloak fashioned by Mark Nason, who usual applies is not inconsiderable skills to manufacturing shoes. The phrase you're searching for is "Holy blimes!".
3 - Engl Steve Morse Signature 100
With a Mid Control Matrix that allows you to play around with no less than eight independent voicings for the midrange, this is about as far away from a plug in 'n go amp as it's reasonable to get on the open market. As usual, though, it's well worth ten minutes spent with the manual as the amp can sound spectacular, as does Morse himself.
4 - Marshall 1992LEM
There's not much cooler than a standard Marshall head, but this, the signature model of bass monster Lemmy that's based on his original 100-watt head that's been christened Murder 1, is made all the more frosty by the inclusion of the gold crests that adorn the original. But is it loud? Pardon...?
5 - Hughes & Kettner TriAmp Alex Lifeson Signature
If you wish to start a company dedicated to producing the flashiest amps possible, you need to begin with a front panel that lights up in the way many current Hughes & Kettner amps do. Still, after you've developed all that you'll have a hard job getting your stuff to sound as good or be as versatile as the Rush guitarist's signature head: boasting, in effect, six channels, it rocks.
And finally, just for balance...
Dr. Z Mazerati GT
How about this for simplicity? 38 watts, simple tone and volume pots...and that's it. Turn it up full, connect to a good speak cab and grab a decent guitar and you'll have a tone to die for. Who said boutique needed to be bells and whistles?


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Moments to Cherish
by Ashley B. • August 9, 2012 • Parenting, Photography • 4 Comments
As a working mother, I know I miss out on some very important moments with my children. If I did not have to work I wouldn't, but I have to. I sacrifice time away from my children to secure our financial stability. There are very strong opinions on the working mother versus the stay at home mother, none of which I wish to debate. I might have to work, I might miss out on precious time with my now young children, but that doesn't mean I don't get to enjoy moments to cherish with my children. Our most recent moment is below.
Hubby planted us a new lawn a few weeks ago, and it is still growing in. Our pool in the backyard is currently inaccessible, and we realized last night that something had taken up residency in the now vacant pool. Namely, a cute but noisy frog.
Say hello to our new friend, Frogger.
and I captured Frogger in a bucket, knowing full well that our children would be ecstatic to meet him and pet him. We knew that catching Frogger would be a great learning experience for the kids, a moment to cherish together as a family.
Frogger took everything quite well, the children, the squealing, the handling, the petting, the excessive ribbit-ing coming from my toddler daughter. Frogger even let my husband hold him in the palm of his hand, petting him on the head, just so I could capture some close up pictures.
The kiddos asked a ton of questions like "is he poisonous?", "does he have a nose?", "what's that noise he just made, was that a frog fart?", "why is he slimy, he doesn't bathe?", "can we keep him Mooooooom, can we?" We had such a great time with Frogger, and of course we didn't keep him. Frogger got tired of all the attention after 15 minutes, and did what frogs do best……
Making memories with my family is very precious to me. I look forward to future memory makers like family vacations and gatherings as my children grow. Until then, I think I am doing just fine in raising my children. They are happy, healthy, love their respective schools, and do not want for a thing. My children are my life, no matter if I have to work or not.
What is the most recent "moment to cherish" you shared with your family? A family vacation? A special activity? Perhaps, petting a rogue frog too?


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Thomas Curley
The USCIS Manila Field Office accepts and adjudicates U.S. immigration benefits filed by residents of: The Philippines, New Guinea, Micronesia, Marshall Islands, Palau, Kiribati, Tuvalu, Fiji, Vanuatu, Solomon Islands, Tonga, Samoa, Wallis, Futuna, New Caledonia, Pitcairn Island, Overseas French territories of French Polynesia, and most island nations in the Pacific region that are not covered by the other Field Offices in the Bangkok District.
Field Office DirectorU.S. Citizenship and Immigration ServicesDepartment of Homeland Securityc/o Embassy of the United States1201 Roxas BoulevardErmita, Manila0930 Philippines
Unit 8600 Box 1575
U.S. Citizenship and Immigration Servicesc/o Embassy of the United States1201 Roxas BoulevardErmita, Manila0930 Philippines
Field Office DirectorU.S. Citizenship and Immigration ServicesDepartment of Homeland Securityc/o Embassy of the United States1201 Roxas BoulevardErmita, Manila0930 Philippines
We are located at the American Embassy Compound on Roxas Boulevard, on the 2nd floor of the New Annex (NOX1) Building. Please use the public entrance access.
The office is open to the public Monday through Friday from 8:00 AM to 12:00 Noon. The office is closed on Philippine and American holidays.
We maintain a public information window (Window #25) in the Immigrant Visa Unit. Arrive early to ensure a place in line. Take a number (one per family) and have a seat in the waiting room. Inquiries are answered and requests processed in the order received.
PhoneFor General inquiries in Tagalog or English, please call the following number:(63)(2) 301-2000, extension 2224 (within the Philippines and from the US)If calling from the United States, please dial 011 first.
Fax(63)(2) 301-2208
AppointmentsPlease contact us by phone.
Walk-insWalk-ins are accepted on a first-come, first-served basis at the USCIS Customer Service window. A number must first be obtained at the Embassy Information Window.
Bus and taxi service is available to Roxas Boulevard.
Parking within the Embassy compound is limited to authorized guests only.
Accessibility for individuals with special needs is available.
Fees for applications and petitions are listed in the Forms section of the USCIS website. The fees for all applications and petitions submitted to this office must be paid with: cash in U.S. dollars or the equivalent in Philippine pesos (paid to the US Embassy cashier); credit card (Visa, Mastercard, American Express, or Diner's Club); U.S. Postal Money Order in the exact amount; or traveler's check (at least 60% must be paid in traveler's checks to receive change in U.S. dollars or Philippine pesos).
We strive to provide quality service to our customers. If we have not lived up to this commitment or if we have met or exceeded your expectations, please let us know. To comment on the services provided at this office, please write to the Field Office Director at the address given above, or to the:
District DirectorU.S. Citizenship and Immigration ServicesDepartment of Homeland Security120-122 Wireless RoadBangkok 10330 Thailand
If you feel you were mistreated by an immigration employee, or wish to make a complaint of misconduct by an immigration employee, you may write to the District Director, or write directly to the:Department of Homeland SecurityUSCISAttn: Chief, International Operations Division20 Massachusetts Avenue, NW, Suite 3300Washington, DC 20529-2100
Immigration forms are available on the Forms section of the USCIS website, which can be found on the right under related links.
The Consular Section of the U.S. Embassy, Manila maintains a comprehensive website concerning Immigrant Visas, Nonimmigrant Visas, and American Citizen Services. Please visit the U.S. Embassy, Manila website for information: http://manila.usembassy.gov/
You should submit your Form I-407, Record of Abandonment of Lawful Permanent Resident Status, in person or by mail if you wish to abandon your lawful permanent resident status.
If you wish to abandon your permanent resident status and give up your Permanent Resident Card (Green Card) in person, please see the section above, Visiting the Office in Person, for information on making an appointment and office hours. If you wish to submit a Form I-407 by mail, please use the mailing address listed above and include your Permanent Resident Card (Green Card), if available.
The Form I-407 and instructions are available on the Form I-407 Web page.
Information on intercountry adoptions may be found at the Department of State and in the Adoption section on the USCIS website which can be found on the right under related links.
U.S. citizens residing in the Philippines may file a Petition for Alien Relative (Form I-130) by coming to the Customer Service window on a walk-in basis. Local filing information for all other individuals may be obtained by calling the Manila Field Office.
Humanitarian Reinstatement requests are processed only for those I-130's that were filed and approved in Manila.
Section 6 of the Child Status Protection Act provides for the automatic transfer of preference categories when the parent of an unmarried son or daughter naturalizes, but also provides the unmarried son or daughter the ability to request that such transfer not occur. Please carefully check the most recent publication of the Department of State Visa Bulletin to determine the preference category that is most advantageous for beneficiaries from the Philippines. All beneficiaries in the Philippines wishing to opt out of the automatic conversion must file a request, in writing, addressed to the Field Office Director, Manila. See the memo entitled ''Section 6 of the Child Status Protection Act'' for more information.
U.S. immigration offices overseas do not accept or adjudicate Naturalization applications from U.S. Lawful Permanent Residents (LPRs). See the Citizenship section of the USCIS website for Naturalization eligibility criteria and the proper filing procedures.
The Manila Field Office does not issue Humanitarian Parole. Individuals must apply for Humanitarian parole by submitting their applications to:
For US Postal Service (USPS) Deliveries:USCIS Dallas LockboxUSCISPO Box 660865Dallas, TX. 75266
For Express mail and courier deliveries:USCISAttn: HP2501 S. State Hwy 121, BusinessSuite 400Lewisville, TX 75067
If approved, the USCIS Manila Field Office will issue an appropriate travel document.
Instructions on how to file an application for Humanitarian Parole are located on Form I-131.
The USCIS Manila Field Office may, under certain circumstances, issue approved re-entry permits; however, we do not extend re-entry permits.
Instructions on how to obtain or replace a Re-Entry Permit are in the How Do I Get A Travel Document section of the USCIS website which can be found on the right under related links.
For verification of receipt and pick up, please contact us by phone.
We are unable to directly receive refugee resettlement applications. These applications should be filed at the Refugee Resettlement Section (RRS) of the U.S. Consulate. Inquires on pending and previously denied refugee application should be addressed to the RRS officer or the Overseas Processing Entity (OPE). We are also unable to check the status of any pending refugee resettlement application.
For general information and processing criteria please see the Department of State website or the Refugee section on the USCIS website which can be found on the right under related links.
If you are abroad and otherwise approved to immigrate to the United States, but a Department of State Consular Officer found you ineligible to enter because of one or more grounds of inadmissibility for which a waiver may be available, you may apply for a waiver by filing Form I-601, Application for Waiver of Grounds of Inadmissibility.
If you left the United States voluntarily after being issued an order of deportation or removal, were deported or removed, or re-entered the U.S. unlawfully after previously accumulating more than one year of unlawful presence, you may apply for readmission to the U.S. by filing Form I-212, Application for Permission to Reapply for Admission Into the United States After Deportation or Removal.
Where to File
On June 4, 2012, USCIS changed where waiver applications are filed. This will provide more efficient and consistent application processing, and allow you to track your case status online. You may also request an email or text message confirming receipt of your waiver by completing and attaching Form G-1145, E-Notification of Application/Petition Acceptance to your application.
Waiver applications and supporting evidence should be mailed directly to the USCIS Lockbox. You may find the address for the appropriate USCIS Lockbox in the form instructions, as well as in the USCIS website at:
Please see the policy memorandum, Exceptions for Permitting the Filing of Form I-601, Application for Waiver of Grounds of Inadmissibility, and any associated Form I-212, Application for Permission to Reapply for Admission into the United States After Deportation or Removal, at an International USCIS Offices, for more information.
I-601 Expedited Adjudication Requests
If you are sending your application to the USCIS Lockbox and believe you have extraordinary circumstances that are time-sensitive and compelling, you may attach a written request to have your application expedited at the time of filing.
If you have already submitted your application to the Lockbox, you can make an expedite request by either contacting the Nebraska Service Center (NSC) directly by email, or by calling the USCIS National Customer Service Center.
For information on how to contact the NSC and our National Customer Service Center, please visit the Contact Us page on the USCIS website.
USCIS Field Office Manila issues Transportation Letters to assist Permanent Residents returning to the U.S. Transportation Letters are issued in a variety of situations including lost, stolen, mutilated, outdated, or expired Form I-551, Permanent Resident Card. Contact us for information and application procedures.
Application for Replacement Naturalization/Citizenship Document (Form N-565):All overseas filers must present themselves in person at the USCIS Manila Field Office prior to filing of Form N-565 with the Nebraska or Texas Service Centers. Please contact USCIS Manila for additional information and requirements.
Instructions on how and where to file Form I-212, Permission to Reapply for Admission into the U.S. After Deportation or Removal, are on Form I-212. A Form I-212 will be accepted in Manila only if it is filed concurrently with a Form I-601.
USCIS offers limited fingerprint services to overseas applicants filing for U.S. immigration benefits who present an appropriate letter from a domestic USCIS office stating that fingerprints are required, or for applicants applying for expeditious naturalization under Section 319(b) and Section 319(e) of the Immigration and Nationality Act. Please contact the USCIS Manila Field Office for additional information.
National Customer Service Center1-800-375-5283TDD for the Hearing Impaired1-800-767-1833


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Government should consider speeding up the formalising of trade between Zambia and Congo DR so that the business community of both countries can benefit.
The benefits for Zambia, especially, are immense as this will consolidate the market for various goods and farm products such as maize for example.
Apart from the country earning enough foreign exchange, the menacing problem of smuggling will be reduced or curbed as most goods and services will be transacted in a normal way.
Drainage systems still bad
As the rains continue to build up, most local authorities in the country have still not done their home work on the drainage systems.
One of the glaring examples is Lusaka's Kanyama Township whose problem has been perennial.
But that aside, another example is Ndola, especially the Dag Hammarskjöld drive under bridge and worse still, at Stanbic Bank junction where the floods even threaten to enter the financial institution. This challenge has fallen on the Ndola City Council's deaf ears and no one seems to care.
Kwacha rebasing challenges
Rebasing of the Kwacha has come with its own challenges as evidenced by the behaviour of some marketeers who are refusing the new currency in preference to the old one.
Some traders are even refusing to accept coins, saying they are worthless and have no value, while in some instances, the blind community want more information to be put on Braille to make it easy for them to identify the various denominations.
Briefcase advises that Bank of Zambia(BoZ) and other stakeholders that there is need to intensify the sensitisation programmes throughout the country as there is evidence that some people in far-flung rural areas are still in the dark about the new rebased currency.


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This is my toaster. I bought it for its good looks.
It doesn't toast worth a darn. Uneven. Extremely annoying.
I'm looking for a decent 4-slice toaster.
Sebastien Gaudard has a Dualit. And a really cute dog in a sweatshirt.
Do you love your toaster? If so, please tell me about it.
Thank you.


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The Spirit Of St. Louis DVD
Sale Price: $4.99
List Price: $19.98
You Save: $14.99 75% off
- Technical Specs
- Format: DVD
- Rating: Not Rated
- Number of Discs: 1
- Run Time: 135 Minutes
- Region: 1
- Aspect Ratio: Widescreen
- Language: English
- Studio: Warner Home Video
- DVD Release Date: August 15, 2006
- Packaging: Keep Case
- Closed Captioning: Yes
- Subtitles: English, Spanish, French
ENGLISH: Dolby Digital 5.1 [CC]
FRENCH: Dolby Digital Mono
- Color: Color
Theatrical Trailer
Classic Cartoon Tabasco Road
Vintage Joe McDoakes Comedy Short So Your Wife Wants To Work
The Spirit Of St. Louis Premiere
On May 21, 1927, the world changed. "Lucky Lindy" landed outside Paris. And people who previously talked about the limitations of air travel suddenly dreamed of its limitless possibilities. The Spirit of St. Louis is six-time Academy Award® winner Billy Wilder's recreation of the struggles and success of Charles A. Lindbergh, the pioneering flyboy who, like test pilots and astronauts to follow later, had the "right stuff" of aviation heroism. Lindbergh fan James Stewart, himself a pilot, sought the role - and was initially turned down. But his persistence paid off, as Stewart added Lindy to his gallery of indelible portrayals of American heroes. He and Wilder together manned the cockpit of a stirring epic entertainment.
Additional Details
- DirectorBilly Wilder
- Primary CastJames Stewart Patricia Smith Murray Hamilton More
- GenreDrama
- Release Date1957