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The Persistence of the Catholic Momentby Richard John Neuhaus
This essay by Richard John Neuhaus, who passed away January 8, 2009 , was originally printed in the February 2003 issue of First Things .In 1987, while I was still a Lutheran, I published a book . . . . Continue Reading »

subset: commoncrawl


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5 cent beat and up up up on all fronts. Deposits up $230M is huge, they are generating new business, not just licking their wounds.
They're not lending still. They had to sell income producing assets to turn a profit. Otherwise, they would have missed the consensus.Sounds like the same old SNV to me.


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Smartwerks_USA is one of the leading retail point of sale and accounting software applications. We found the system to be best for small and medium-sized businesses ranging from gift shops and book stores to museums. This application covers all point of sale and accounting functions, from purchase order to inventory to checkout.
Accounting and POS features are fully integrated in Smarkwerks_USA. Because it can process transactions in real-time, reports are always updated. These reports can be quickly exported as a PDF document, then downloaded or emailed as an attachment. Inventory can be imported from a user's spreadsheet and items can be bar coded for easy sales checkout.
By using the built-in Chart of Accounts template, users can adjust the general ledger to their companies' specifications. The ability to customize these forms leads to reporting features that are extremely useful in analyzing expentitures.
Since the system is hosted by the provider, we found it easily accessible and great for operations with multiple users and locations. No hosting responsibilities mean less worry and easy system updates via an Internet connection.
Owners and managers have the option to login remotely and check up on their business. Users also have the option to give accounting departments remote access to perform necessary accounting procedures.
Smartwerks_USA is a java-based software application that is compatible with Windows XP, Windows Vista, and Windows 7.
Max from Vapin N Valpo
Specialty: Tobacco
Portfolio size: 2 to 5 users
May 2015
May 2015
For people that are detail oriented, this system offers quite a bit on the back end for reporting and accounting, and paired with the excellent support they offer as a whole the program works great for us. Many software companies have a tendency to make people feel inferior because of their vast knowledge of computers, but this is not something you have to worry about with the people at Smartwerks.
There are a few small things that bother me about the system. For example, using most of the search functions you have to physically click on the search button instead of typing what you're looking for and hitting the enter key.
If you're using a point of sales company now, and you like the features it has but are not satisfied with the service that you recieve, smartwerks is right for you. If you're using a point of sales company now and it does not give you the inventory control or reporting features you need, smartwerks is right for you.
Erick from RiverMist Vapor
Specialty: Tobacco
Portfolio size: Single user
February 2015
February 2015
The product is intuitive and easy to use. Our accountant loves working with it and says it saves on billable hours over QuickBooks for her services. It's easy to train employees on and get them up and running (keywords are important).
As far as working with the Smartwerks team, they are unbeatable! Everyone is a real person, is down to earth, and truly has an interest in success. Constant product development to improve the product and adapt to industry trends. Hands down best money spent!
Windows only for the Admin side. Although I have recently installed it on my Mac without having to run Windows, and it works flawlessly. Ability to retrieve live numbers from a phone app on the go would be a plus when it goes live.
If you are a numbers person, this is your ticket. Real time info all the time, including inventory. There are many red flags that trigger when selling negative inventory, all of which are useful tools.
Amy from Simply Snazzy Boutique & Gifts
Specialty: Apparel & fashion
Portfolio size: 2 to 5 users
July 2014
July 2014
It's easy to use for a beginner, but it lacks simple updates.
It would be great to enter new inventory and quantities all on one screen. It need an option to cancel a sale. It also needs the option to be able to return items without using a credit card when selecting the option to run the credit outside of the normal credit card system. Currently, this doesn't work. It needs an option to return items/exchange on one receipt/transaction. Currently, we have to return the item, issue a credit on the credit card, and then start a new transaction in order to complete an exchange. They need support after hours for any problems. I was told that the after hours emergency number is for use only when you can't run sales. It doesn't help much when you are in different time zones and encounter problems that have to wait until the following day.
I tried three companies before choosing this system. I chose this system mainly for the ease of checkouts for my employees. That is really the only plus to this system. Once the inventory is loaded, which takes multiple steps, the program is fairly easy to use.
Diana from Dawson Jewelers, Designs by Dana.
Specialty: Jewelry
Portfolio size: 2 to 5 users
July 2014
July 2014
The Point of Sale part is fine. It rings up items well. There is plenty of space for notes. I like that we can have multiple users on computers.
The accounting stinks! It's very hard to correct problems. There's no edit button; check stubs will not show the amount of the check.
It would help if you could edit entries more quickly and easily. The balance inquiry account stinks. It never really shows the correct amount of checks written.
Response: , Smartwerks_USA (Tyler)
Date: April 2015
April 2015
We're sorry that Smartwerks has not lived up to your expectations. We greatly value the input of our customers, and would like to talk with you about this in further detail. Please contact our customer support staff at 888-882-1530 at your earliest convenience to discuss how we can improve the software to meet your needs.
Dana from Dawson Jewelers
Specialty: Jewelry
Portfolio size: 6 to 10 users
July 2014
July 2014
The point of sale program works fine. The book keeping portion is horrible. We have spent a lot of money to have our accountant try to correct it.
The book keeping portion isn't good.
Study the bookkeeping program thoroughly.
Response: , Smartwerks_USA (Tyler)
Date: April 2015
April 2015
We're sorry that Smartwerks has not lived up to your expectations. We greatly value the input of our customers, and would like to talk with you about this in further detail. Please contact our customer support staff at 888-882-1530 at your earliest convenience to discuss how we can improve the software to meet your needs.
Dani from Dawson Jewelers
Specialty: Jewelry
Portfolio size: 2 to 5 users
July 2014
July 2014
There are many ways to search through inventory, and it's also difficult to duplicate inventory. Organizing the inventory by categories and subcategories makes it easy to break down inventory searches if the item number is not known.
If, for some reason, a mistake is made, it is very hard to edit to correct information.
Make sure inventory and information transfer easily.
David from Dawson Jewelers
Specialty: Jewelry
Portfolio size: 6 to 10 users
June 2014
June 2014
One program does it all: accounting and POS.
There's lag time on the internet. It's slow to log in and find customers' names. The search takes a little time to get used to. Double-clicking on invoice numbers is a little buggy/slow.
Get the best internet connection you can get. Upload speed is very important.
Kim from Kim's Fine Jewelry
October 2013
Date: October 2013
I opened my jewelry store one year ago. I decided to go with Smartwerks software, and it has proven to be a great decision. It is easy to train new employees, and I love the way it keeps track of my inventory. The staff is very helpful and accommodating. They have even made changes to suit our needs. Customer support is always available. I would recommend Smartwerks to anyone that is looking for a competent program that is user-friendly.
Kris from Vapin' Apes
September 2013
Date: September 2013
I have been using Smartwerks since the opening of my business December 2012. I spent about 6 weeks looking for the right software and decided to try out Smartwerks based on the features offered and the excellent communication and fast responses to all of my questions by Patrick at Smartwerks.
Learning how to use the software is very easy. Sandy and William did an awesome job showing me how everything worked. Adding inventory, making changes, and managing customers is very simple.
I am really happy with the decision that I made and now that we have expanded to a second location, the cloud based system that they use is a must. With it, we can view in real time, any of our locations history along with keeping one customer database that covers as many locations as we decide to open in the future.
Sophia from Fine Jewelry & Watch Retailer
August 2013
Date: August 2013
POS System without a lot of "attitude". Simple, straightforward, easy to use. The Smartwerks company is flexible and adaptable as our needs change. Very reasonable license agreement and monthly user fees. The Smartwerks team are always available to answer our questions, either by phone or via email. If they don't have the answer right away, they will work to find a solution for us. The personal service and attention that we have been given has exceeded our expectation.
Frank from Bike Pros, Inc.
October 2012
Date: October 2012
When we purchased the bike shop, the previous owner was using a cash register and paper inventory and had no customer data. We started looking for Point of Sale software so that we could accurately track inventory, customer information and daily sales. We found Smartwerks.
We were immediately impressed by the sales and support staff. They set up a demo store for us to test their system. This influenced our decision to go with Smartwerks. The implementation process was very easy. We had a running Point of Sale system within a day. Bike Pros has been using Smartwerks since March of 2010 and we very happy with this product.
With Smartwerks we are now able to accurately track our sales, customers, inventory and vendors within one system that is full featured and easy to use. We spend less time worrying whether we have this part or that bicycle and more time with our customers.


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Coverage Problems in Sensor Networks
Date Added: Jan 2012
Format: PDF
Now a day's most vital part of research covers on wireless ad-hoc sensor networks due to broad collection of prospective applications. A wireless sensor network causes a new theoretical and challenging optimization problem. Now here the authors discuss one of the essential problems of coverage in sensor networks, which reflects the quality of surveillance of accurate sensor network. The conception of coverage is considered from several points of view due to a variety of sensor networks and ample sort of their applications. They inclusively present tentative outcomes and overview of future research information related to coverage of sensor networks.


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Toyota Avalon Problem Report
Toyota Avalon Oil Leak From the Valve Cover Gaskets
(60 reports)
The 6 cylinder engines have a tendency to leak oil from the valve cover gaskets, especially the one near the firewall.
Was told I need to have valve cover gaskets replaced for about $600.00. Is this a fair price in 2013 in Nassau County, LI? - Visitor
10 people like this
It is easily observed with a flashlight that oil is coming out of both valve covers. There is enough oil leaking to drip onto the exhaust and burn as well as leave quarter sized spots where it is parked. The valve cover gaskets will soon be replaced and will most likely solve the problem. - Visitor
8 people like this
Repair was made and it runs like a baby again! - Visitor
Oil leaking from both valve cover gaskets - Visitor
Started smelling strong burning and noticed it on the ground keep putting oil in every couple weeks - Visitor
very bad oil leak. Appears as if the engine is on fire :-( - Visitor
vale cover oil leak - Visitor
not yet fix - Visitor
Toyota Avalon 98. This vehicle ran very well but was leaking very little oil in past years. Over time the oil leakage increased and I feared that loosing oil suddenly can cease the engine completely and make this fine vehicle useless. Preventive Maintenance done 1) Replaced both valve cover gaskets (Gasket Cylinder head) 2) Replaced Cam Shaft seals (Valve Sub Assemble Vent) 3) I also replaced the spark plugs ($ 75.00). Seems like the prices of spark plugs have dropped significantly. Cost: $845.00 for parts and labor ( The labor was about $700 and well deserved) This was a important preventive maintenance and the car runs like a watch. - Visitor
We just got a new Toyota Avalon for Christmas 2014, new car and already have this problem. Oil leaking under car. Zeljana Besic - Visitor
Valve cover gaskets have leaked since about 175000 miles. Can smell burning oil in car during idle. - Visitor
Tightened bolts - Visitor
Took it to the shop Got them replaced and tune up for 750 dollars - Visitor
Valve cover gasket leaking oil - Visitor
Whenever it rains, or I wash the car and drive it the smoke starts coming from the back of the engine. - Visitor
Took my car in for an oil change and it started leaking then. - Visitor
I'm having the same issue with the oil smell. I think $600.00 is a going price to replace the valve cover gaskets. I'm going to examine and possible repair the car myself. If I repair it, I'm going to Jimmy Hayes in Island Park for a nice steak. - Visitor
Valve cover gaskets leaking. More the front one, but also the rear. - Visitor
Oil leaking from valve covers and burnt oil smell in the cabin of the car. I got new gaskets and spark plug tube seals, It is a time consuming job, oddly the Flat rate hour rates seem to be too little to do the job. I did install new spark plugs and checked the valve adjustment. With all the parts removed it is the best time to replace the the spark plugs. If the maintenance had been done properly, This would have not been an issue. Valve adjustment should have been done at least 2 times and then the gaskets would have been replaced - Visitor
Leaking from rear valve cover gasket - Visitor
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2005 Volvo S40 Q&A
2005 Volvo S40 Question: transmission gearbox
i feel my car jerking and sometimes feels hard to drive. please advice - Visitor
Answer 1
The problem could be for many different reasons. You really need to get it diagnosed by a Volvo specialty shop to see what causing the problems. They should be able to pull out diagnostic trouble codes from the affected modules and be able to estimate the parts and repair cost for you. Most generic diag. computer tend to display false codes on Volvo, that's why I suggest a Volvo shop. Zee - ZeeTech
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View all MLS scores for 9/17/2011
|San Jose
|Team: Player goal (assisted by) minute
|SJE: Stephenson (3) 40th minute..
|HOU: Davis (4) (PK) 47th minute..
|HOU: Bruin (5) 79th minute..
|Team -- Player (foul type) minute
|HOU -- Davis (yellow) 18th minute.HOU -- Moffat (yellow) 61st minute.SJE -- Attakora (yellow) 64th minute.
|Player (substitute minute)
|Busch, Beitashour, Attakora, Burling,Corrales, Gjertsen (Peterson 63), Cronin (Griffin 83), Baca, Dawkins(Luzunaris 83), Stephenson, Wondolowski.
|Substitutes Not Used
|Bingham, Leitch, Convey, Ring.
|Player (substitute minute)
|Hall, Hainault, Boswell, Cameron, Ashe, Clark (Cruz59), Moffat, Camargo, Davis, Carr (Bruin 73), Costly (Weaver 68).
|Substitutes Not Used
|Deric, Freeman, Taylor, Watson.
Houston, TX (Sports Network) - The Houston Dynamo secured its first win in four matches, defeating the San Jose Earthquakes 2-1 at Robertson Stadium on Saturday.
After conceding a goal to Khari Stephenson in the first half, Houston rallied to come from behind, getting goals from Brad Davis and Will Bruin in the second half to claim all three points.
Stephenson put San Jose in front in the 40th minute with a brilliant volley. Steven Beitashour chipped a cross into the box and an on-rushing Stephenson connected to put his side in front just before halftime.
But Houston answered immediately after the break. Davis not only earned a penalty for the Dynamo, but he stepped up and converted the ensuing kick to equalize in the 47th minute.
Bruin completed the comeback for Houston, slotting home the game-winner in the 79th minute. Luiz Carmago sent a cross into the box from the right flank to find Bruin, who one-timed a shot past a diving Jon Busch.
Houston (9-9-12) now has 39 points on the year to strengthen its case for a playoff spot, while San Jose (6-11-11) failed to build upon its victory over the Chicago Fire in its last outing, as the 'Quakes remain in eighth place in the West with 29 points from 28 games.
The Earthquakes continue their three-match spell away from home next Saturday, as they travel to Dick's Sporting Goods Park to face the Colorado Rapids. The Dynamo also return to action on Sept. 24, heading to Pizza Hut Park to take on FC Dallas.


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A border keeping household order
Editor's note: This column is the second in a series about pets and children. You can access the first installment at http://tinyurl.com/77qqtxn.
We brought our 11-week-old border collie pup Toby home from the breeder's, still missing our sweet Harry. Being black and white borders, the two brothers looked similar, which was both comforting and confusing.
We were pleased to find that Toby didn't have nearly as much interest in herding our feet or the children. And he took to the housebreaking and the electric fence and his daily walks well enough too.
But there was something about Toby's right ear, the way it flapped forward at a jaunty angle, wayward and uncooperative (see photo). It might look cute and photogenic to you, but to us, it gives a little insight into our pup's mental stability (cue the circus music and let it play until the end of the column).
From the second Toby sets paws from his crate in the morning to the second he crawls into it at night, he is in constant motion. Forget all that jazz about harnessing wind energy and solar power. What we really need to do is somehow tap into the energy of a border collie puppy. I truly believe that the energy contained in just one litter of border collie puppies could meet the energy demands of our entire country.
Without sheep to herd, a border collie will think up his own "jobs." Toby has taken it upon himself to "manage" our outdoor property, which involves ordering the birds, squirrels and the occasional deer about the yard. When that job is sufficiently addressed, he feels very dutiful about barking at bikes and scooters and swinging them around by his teeth until they're airborne.
He also is very concerned with the way our tires move willy-nilly up and down the driveway, so he directs them to their proper places with a few well-placed nips. The same goes for UPS trucks and pest control trucks, anything with those round, rubber sheep. He also scolds any vehicle that makes a tad too much noise going past the house.
He bosses basketballs. Just the sound of a basketball bouncing on the driveway sends him into "manage" mode, when he starts barking and biting and chasing the ball to the point that no one wants to play anymore. "Chuck it"—the launching of a tennis ball from a long, plastic rod—is another job he takes very seriously, as is herding airplanes and helicopters away from the house at breakneck speed.
But sometimes he is too good at all of his jobs, and boredom sets in. At these times he will turn over the trash cans and scatter its contents all over the lawn. He will dig up outdoor landscape lighting wires and chew through them. He will chew through boxes left on the porch, then chew through the boxes' contents.
He will sneak into an accidentally-left-open garage and steal plastic water bottles and sponges and basketballs and shoes and things with tires. He will pull bows off door wreaths. He will burrow through fresh grass clippings, gnaw on the yard man's leaf blower and harry the edger. He will bark for hours straight at the dog next door, or up the tree where the squirrel went, or at the door to come in.
When inside, he will mutilate stuffed animals and destroy his "chew-proof" dog toys. He will man-handle the sofa cushions. He will drop his soggy tennis ball in a basket full of clean laundry so that I will throw it to him, over and over. He will sneak upstairs to mark. He will try to hump our crawling baby. But perhaps most disturbingly, he will follow me around from room to room, staring with those border collie laser-eyes of his, as if he's just asking for a job to do, any job at all.
He can't lay down. He won't rest. Resting is for chumps. For lap dogs. For cats.
Toby is now almost three years old, and with the years, he has mellowed just a bit. He is now able to slow down enough to enjoy the occasional snuggle, the rare nap on his favorite red leather chair, the daily rawhide bone. In spite of being certifiably bonkers and too smart for his own good, he has proven to be a sweet-natured dog, easy with children and licky with babies and men with beard stubble.
And when I take a step back, I see that he fits our family kind of perfectly.
(P.S. We won't ever forget you, Harry.)
Diann Ducharme is the author of The Outer Banks House and the upcoming ebook, Chasing Eternity, and is a wife, mother of three children and owner of one border collie. You can find her at http://www.diannducharme.com where, she blogs about the life of a writer.
'Proof of Heaven' coming to Glen Allen
Dr. Even Alexander, a New York Times best-selling author who has been featured on Oprah and Dr. Oz, was in town last week to promote his June 27 talk, "Proof of Heaven," at Glen Allen High School.
Alexander (pictured, at right, while Unity of Bon Air church member Harry Simmons interviews him) has written about what he considers to be his journey through the afterlife.
Tickets to this month's event are $25 and will support the new Bon Secours Hospice House being built later this year. > Read more.
Innsbrook Rotary celebrates 25 years
The Innsbrook Rotary Club, which is celebrating its 25th year in 2015, has completed a number of volunteer projects this year and raised thousands of dollars for various organizations through three events.
The club's annual rose sale, benefit for youth live auction and Virginia Fire Games competition, combined with individual and corporate donations, have raised nearly $70,000 – money that the club contributes back to the community.
FeedMore is the beneficiary of the club's 25th anniversary project, which provides refrigerated trailers to be used for the distribution of food throughout Central Virginia. > Read more.
Voltaggio to host three-course dinners at Family Meal July 21-22
Chef Bryan Voltaggio will host a special three-course dinner event July 21-22 at his Willow Lawn Family Meal restaurant. The menu will consist of his favorite dishes and offer diners the chance to purchase a signed copy of his newly released book, HOME.
Voltaggio will attend and cook at each dinner, as well as share stories that inspired recipes for the book. > Read more.
Business in brief
A garden grows
Project SEARCH graduates receive diplomas
Court is back in session
Fire, Police, Sheriff's office host Marine Corps-JROTC leadership camp and field games
- More News
Print Edition
Jun. 18, 2015Click here to read the print edition.
Voltaggio to host three-course dinners at Family Meal July 21-22
Fan favorite shines in new West End home
Weekend Top 10
Weekend Top 10
The Cultural Arts Center at Glen Allen announces 2015-16 season
- More Entertainment
Obituaries – Bernard Howard
Obituaries – Milton N. Parma
Obituary – William Talbott Neal
- More Obituaries
'Proof of Heaven' coming to Glen Allen
Innsbrook Rotary celebrates 25 years
Holman student named Miss Va. Coed Junior Teen
- More Community
My daughters' other dads
All hail to mothers and the hardest job of all
Cabin fever cures - and blessings
- More Opinions
Athlete of the Week – June 19: Sydney Whitaker
Steward School's Enright drafted by NY Mets
Athlete of the Week – June 12: Claire Frank
- More Sports
Reader Survey | Advertising | Email updates
ClassifiedsDONATE YOUR CAR, TRUCK OR BOAT TO HERITAGE FOR THE BLIND. Free 3 Day Vacation, Tax Deductible, Free Towing, All Paperwork Taken Care Of. 888-617-1682
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CalendarHenrico County will host the annual Old-Fashioned Fourth of July Celebration from 1 p.m. to 5 p.m. at Meadow Farm, 3400 Mountain Rd. There will be patriotic activities, games, a… Full text


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Opry Mills Concert Series brought to you by Wholesale, Inc., The Big 98 WSIX, and Harbor Entertainment.
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Sounds Like: John Mayer, The Beatles, Amos Lee, Elbow, Jonny Lang
Manager: Valience Music
For Nashville based singer-songwriter Ryan Crowley, releasing a solo album of original material has always been a dream. The independent release of Find My Way brings that dream to life. With 13 songs, this full production shows off his rock roots with pop melodies and bluesy guitar playing.
The ...See Full Bio
John Mayer's "Born and Raised" this morning. What seemed a muddy mix in my car is warm and clear in my mixing speakers. One of my favorites!


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OK Borneo Headhunters Hat 2011 Participants, here's some more details for those of you itching to know more about Sabah's Hat tournament.
First, the Rules.
Borneo Headhunters Hat 11 Rules
Yes, the rules are what makes Ultimate Ultimate, so our tournament will follow them.
We follow the WFDF's Latest Ultimate Rules. Learn it; love it; play it.
You have no excuses not to know the rules. Know your stuff when it comes to contact, fouls and especially the Spirit of the Game!
The the By Laws for the Borneo Headhunters Hat 2011 is as follow:
Teams will elect their own captains on Saturday morning.
Pick somebody who will champion the Spirit of the Game at all cost. Also good to have in a captain: Knowledge of the Rules, Knowledge of Game Plays and Experience.
Your captain must report to the Tournament Director by 08:30, Saturday morning with your team name, which you also have to decide on.
Game Duration
Total: 40 mins + 5 min half time (20 mins a side)
At Half Time, finish the current point. The time it takes to finish that point will be deducted from your second half.
Gap Between Games: 15 mins
Time Out: 1 per team per game (60 seconds only)
Winning Score
First to 15 wins, but lead by at least 2 points.
If by the 35th min there is no clear winner, a Cap will be called. Then teams will finish the current point and check the Leading Score, before they restart play. The first team to reach Leading Score + 1 will win the game.
Female Players
It is compulsory to have a minimum of 1 female player per point.
With Captains' Agreement more female players can play per point, but never less.
The 2 Finals
Duration: 50 minutes + 5 min break.
Winning Score: First to 17 wins, win by 2 points (TD may call a time cap if the game drags on too long)
Other rules remain the same.
Scoring & Awards
There are 5 teams. Each team will play a Round Robin of 4 games.
After the initial Round Robin, the top 4 teams will play a 5th game each.
After each game, a team scores 1 point for winning, and 0 points for losing.
The more wins, the higher the rank. If several teams have the same rank, Point Differential will be used.
Point Differential = Offense Points – Defense Points
Example: Your team scores 10, your opponents score 4. Your Point Differential is 6 (10 minus 4)
Or: You score 7 and your opponents score 13. Your Point Differential is -6 (7 minus 13)
If after considering wins and Points Differential teams are still tied for a rank, a Boat Race consisting of no less than 7 players per team will determine the winning team.
The Losers' Bracket will be played by teams ranked 3rd & 4th.
The Winners Bracket will be played by teams ranked 1st & 2nd.
The winner of the Winners Bracket will be the Tournament Champions.
Tournament Champs: The overall winning team
Spirit Champions: The team judged by other teams to have the best Spirit (general Spirit, foul calls, courtesy, cheers for opponents & games)
Most Valuable Player – Female: The girl judged by each team to have made the most valuable contribution to her team;
Most Valuable Player – Male: The guy judged by each team to have made the most valuable contribution to his team;
Best Team Name: A token prize to the team with the best name.
Prelim Schedule
|Field 1
|Field 2
|Arrive + Get your Shirts + Choose Captains / Team Names
|08:45 – 09:30
|Red v Blue
|Green vs. Orange
|09:45 – 10:30
|White v Green
|Blue v Orange
|10:45 – 11:30
|Orange v Red
|White v. Blue
|11:30 – 12:30
|12:30 – 13:15
|Orange v. White
|Red v. Green
|13:30 – 14:15
|Green v. Blue
|Red v. White
|14:30 – 15:25
|R3 v R4
|15:25 – 16:20
|R1 v R2
|Prize Giving / Boat Races
No Moaning
The Tournament Director (TD) has the last and final say.
We have made every effort to balance the teams. Your team is what it is. Act like a champion and use what you have to overcome adversity.
Whatever happens to your team's players on the day (no shows, upset stomachs, snowball in the eye) is your team's fate and we cannot change it.
The Borneo Headhunters Hat 2011 wants to be known as the Best Spirited Tournament in Asia. Help us by being friendly, having fun and making good calls on the field.
Any incidents of excessively bad Spirit will be swiftly and efficiently dealt with by the Team Captains and the Tournament Director, which could include disqualification, revoked tournament privileges, being asked to leave or all of the above.
Winning is good, but playing well regardless of whether or not you're winning, is better.
Let's all be better! And have fun while we're at it.


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"There should be no boundaries to human endeavor. We are all different. However bad life may seem, there is always something you can do, and succeed at. 539 more words
Tags » Harry Lloyd
The Theory of Everything review
Director: James Marsh
Starring: Eddie Redmayne, Felicity Jones, Charlie Cox, David Thewlis, Simon McBurney, Harry Lloyd, Maxine Peake, Emily Watson
Stephen Hawking not only the most iconic scientist but likely the most recognisable British figure of the past fifty years. 581 more words
The Theory of Everything (2014)
Two things about this film:
1. Eddie Redmayne definitely deserved that Oscar.
2. I direct you to The Economist, which observes–rightly–that there was far too little science in this movie. 22 more words
Trailer Time: "The Riot Club"
The Riot Club: an exclusive male club at Oxford University for the insanely rich and incredibly spoiled. What happens when the people in this club go too far? 129 more words
Review: Dumb & Dumber To (2014)
Stars: Jim Carrey, Jeff Daniels, Rob Riggle
There was a sense of childlike excitement that washed through me when the first on-set pictures… 682 more words
The Theory of Everything (2014)
"While there's life, there is hope," said Stephen Hawking. 541 more words


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Volunteers sought for United Way effort
Helping low to moderate income people maximize their tax benefits during tax season is an important part of United Way's work in promoting the Earned Income Tax Credit. Volunteers are needed to help low income workers file their taxes and save their hard earned money. Volunteers will be trained and certified to help Tunica residents file their returns.
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Glass Negative - Jean Wentworth Harvie Standing in Garden, Victoria, circa 1922
Glass plate negative portrait of Jean Harvie standing in a garden. Jean is most likely around 18 years in age. It is thought that this photograph was taken by Jean's father, studio pho ...Images: 1


text: Perfect Fence Company is locally owned and operated based in Kansas City. Call 816-536-3432 for your free estimate. Customer satisfaction is everything. If your looking for maintenance free fencing options such as steel or vinyl fencing Perfect Fence is right for your project. Perfect Fence Company is your local residential and commercial fence contractor serving the Greater Kansas City area in Kansas and Missouri. We handle a wide variety of fencing needs including many different types of wood, chain link and custom fencing. All of which are a great way to create beauty and privacy for your backyard. Whether your trying to keep your beloved pets, kids or belongings safe or trying to gain a little privacy and separation from your friendly neighbors contact Perfect Fence Company today. Also check out our google reviews here. We have a long list of satisfied customers in the greater Kansas City area. We offer high quality materials and workmanship superior to the competition. All of our fencing comes with a warranty depending on the style. We set all of our posts in concrete.


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Renesas Electronics Introduces New Optical Image Stabilizer Driver IC for Smartphones and Tablet PC Cameras Realizes High-Performance Image Stabilization Comparable to Single-Lens Reflex Cameras and High-End Compact Digital Cameras Business Wire SANTA CLARA, Calif. -- July 18, 2013 Renesas Electronics Corporation (TSE: 6723), a premier supplier of advanced semiconductor solutions, today announced the development of the RAA305170GBM, an optical image stabilizer (OIS) control driver IC for use in camera-equipped mobile phones and tablet PCs. The RAA305170GBM is the first OIS driver IC available [Note 1] with three systems of sensor/driver circuits for smartphones, raising the performance of functions such as Image Stabilization AF [Note 2]. With the RAA305170GBM, product developers can bring high performance on par with that of standalone digital cameras to the smartphones or tablet PC camera modules. This level of performance allows smartphones and PCs to meet general consumer demand for camera functionality that enables them to capture high-quality video and still photos without ever missing a good shot, while uploading these videos and still photos to the web immediately without any need for image processing. In recent years the demand for smartphones has grown rapidly within the mobile phone market, with matching increases both in the number of mobile Internet users and in the variety of applications and content. In addition, as the proportion of video among the images posted on the Internet has grown, consumers have come to demand higher pixel counts and more advanced functionality in their smartphone and tablet PC cameras. This has led to a growing demand in smartphone products market for image stabilization functionality. Smartphones and tablet cameras need optical image stabilization function because they are susceptible to blurry images caused by shaking. Although low-cost electronic image stabilizers are widely used in smartphone cameras, the stabilization functionality tends to become less adequate as the camera resolution increases. Digital cameras can prevent blurry images caused by shaking through complementary functions such as diaphragm and high-speed shutter. Smartphone cameras, on the other hand, have limited space and they require alternate measure. The image stabilization technology addresses these quality concerns by aligning the lens with the shaking of the camera, leveraging the technology developed by Renesas, used in compact digital cameras. The technological innovations accumulated in this way are incorporated into this new OIS driver IC, which is capable of three voice coil monitor (VCM) drivers [Note 3], as the first product with this capacity for the smartphone and tablet market. Key Features of the RAA305170GBM: (1) The first OIS driver IC available with three systems of sensor/driver circuits for smart phones, raising the performance of functions such as Image Stabilization AF Three systems of sensor / driver circuits can independently control three VCM actuators and the corresponding to closed loop control of AF, contributing to high performance of OIS and high-speed AF control. (2) RL78 CPU core with servo control DSP for high-performance image stabilization using parallel processing Processing is divided between the RL78, which detects and processes data on lens position gap, and the DSP, which drives the image stabilization lens. This enables excellent image stabilization performance with low power operation by a low clock frequency and with high-speed servo response by the servo control DSP. (3) Support for actuator noise reduction and thermal drift [Note 4] compensation The on-chip DSP makes it possible with digital filters to reduce audible noises from actuator operation and to decrease gyro sensor output drift due to temperature variations. In addition, a variety of actuator types can be accommodated, enabling support for stabilization methods such as module tilt [Note 5], lens tilt [Note 6], and lens shift [Note 7]. (4) On-chip flash memory for rapid camera startup so no photo opportunities are missed The on-chip nonvolatile flash memory eliminates the need to download firmware from an external device. As a result, the CPU startup time following power-on is reduced from the 40 milliseconds (msec.) with previous Renesas products with no flash memory to only 0.7 msec. for the RAA305170GBM. This means that all opportunities for a good shot will never be missed. By storing the control firmware and data in flash memory, changes to the product specifications or control parameters can be accommodated through firmware updates and can be updated after the product has entered mass production. It is also possible to store data such as model-specific actuator trimming values [Note 8] in the flash memory, and access this data very efficiently. Renesas plans to actively promote sales and introduce new products in this market and targets to achieve a 50% market share in this product category by 2015. Please refer to the following URL for the main specifications of the RAA305170GBM: http://www.renesas.com/products/assp/ois/index.jsp Pricing and Availability Samples of the RAA305170GBM are available now, priced at US$10.0 per unit. Mass production of the RAA305170GBM is expected to reach a scale of 10,000,000 units per month in March 2014. (Pricing and availability are subject to change without notice.) Notes [Note 1] The first OIS driver IC in the world: researched by Renesas as of July 11, 2013 [Note 2] AF: "Auto focus," a function that focuses the camera automatically. [Note 3] VCM: "Voice coil motor," a type of linear actuator. [Note 4] Thermal drift: A phenomenon in which the zero point (the reference position) of the sensor varies when the ambient temperature changes. [Note 5] Module tilt: An image stabilization method involving control of the entire camera module. It provides excellent performance, but module thickness is a concern. [Note 6] Lens tilt: Except for a dedicated lens, the entire module is fixed. Stabilization is achieved by tilting the lens only. [Note 7] Lens shift: An image stabilization method in which the lenses inside the module are shifted mechanically. This contributes to reduced module thickness. [Note 8] Trimming values: Adjustment values that are needed to compensate for variations in the characteristics of individual actuator units or differences due to the housings in which they are mounted. (Remarks) Names of products or services mentioned in this press release are trademarks or registered trademarks of their respective owners. About Renesas Electronics America Inc. Renesas Electronics America Inc., headquartered in Santa Clara, California, is a wholly owned subsidiary of Renesas Electronics Corporation (TSE: 6723), the world's number one supplier of microcontrollers and a premier supplier of advanced semiconductor solutions including microcontrollers, SoC solutions, and a broad range of analog and power devices. In the Americas, Renesas Electronics America markets and sells industrial-type active-matrix LCD modules from NLT Technologies, Ltd., a global leader in innovative display technologies. More information about the products offered by Renesas Electronics America can be found at http://am.renesas.com/. Contact: Voce Communications, a Porter Novelli Company Jessica Kerr, 415-975-2213 firstname.lastname@example.com
Renesas Electronics Introduces New Optical Image Stabilizer Driver IC for Smartphones and Tablet PC Cameras
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Special commission will examine monuments and launch public conversation about their appropriate role.
Keeping cigarettes out of kids' hands... that's the Baltimore City Health Department's goal, but they need your help. Residents can now report businesses who sell cigarettes to minors. Just dial 311. Health commissioner Dr. Leana Wen says it's important to educate parents and step up enforcement. If caught - businesses could face a $500 fine.
Earlier this week, I had the remarkable opportunity to stand in front a room of mayors from across the country—mayors of both political parties—to give my inaugural address...
I am disheartened that Governor Hogan has chosen to ignore the needs of Baltimore City residents by cancelling current plans for the Red Line. FULL STATEMENT.
With help of OneBaltimore, YouthWorks secures funding and placement to meet goal of 8,000 summer youth jobs
Address will call on America's mayors to make their voices heard in the upcoming 2016 national election on issues involving community policing and jobs.
The allegations made in this letter are without basis and do nothing to help our city heal. We are currently in the midst of an extensive review that began before the FOP decided to conduct their own After Action Review. As we work through the process, I look forward to sharing information with all interested parties including the FOP.
The Baltimore City Health Department announces the selection of a team of fellows to lead the agency's public health recovery efforts under Mayor Stephanie Rawlings-Blake's OneBaltimore initiative.
The investigation will build on reforms, and help change the culture of the police department.
This public-private partnership will focus on short-term recovery and deeper systemic change.


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Where the blood-forming cells used for transplant are collected from.
A measure of how the disease responded to treatment before the patient received a bone marrow or umbilical cord blood transplant. The disease status can help predict the likelihood of a better or worse survival outcome after transplantation.
In these reports, disease status is included only for leukemias, lymphomas and multiple myeloma. Disease status are categorized as:
Biological relationship between the patient and the donor who provided the blood-forming cells.
Proteins on cells that make each person's tissue type, which varies from person to person.
HLA typing is used to match patients and donors for a bone marrow or umbilical cord blood transplant. A person's HLA type is identified by testing a blood sample or swab of cheek cells.
Age of a patient at the time of a bone marrow or umbilical cord blood transplant. These reports provide the age in 10-year intervals.
"Unknown" means the age was not reported.
The sex of a patient: male or female.
"Unknown" means the gender was not reported.
Race or ethnicity of a patient. These reports have only two categories:
The best estimate of the chance that a person will be alive at a specified time after transplant. This estimate is based on the data reported. View an example.


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Mr. Ibrahim said his organization has rejected violence against the Egyptian state since 1997, when several prominent members of the group signed a statement announcing their view.
But Mr. Ibrahim also distinguished between what he regarded as violence and what he considered jihad, or holy struggle. "Jihad is one thing and it is not the same as violence," he said. "Violence is against your country, your police and your fellow people. But jihad is against the enemy of the country."
Mr. Ibrahim also said that "at this moment we will not make a war with Israel, but the jihad is still our way."
'Grave development'
Bruce Hoffman, director of the security studies program at Georgetown University, said in an interview that he was worried about radical terrorists who were released during the revolution.
"I look at this as a grave development," he said. "I don't think these people's views will have moderated, having spent in some cases decades in the insalubrious confines of Egyptian prisons."
Mr. Hoffman added: "I think there is a possibility they will blame the United States as well as Mubarak for their fate. The United States in their view backed Mubarak and encouraged him in the crackdown and repression of Islamist radicals."
Mr. Ibrahim said, however, that he had no ill will toward the United States or President Obama. He said that he was urging Mr. Obama to release Abdel Rahman from prison so he can return to Egypt.
"I am giving advice to our friend Obama, release the blind sheik for your own benefit. No, this is not a threat, it's advice from one friend to another friend. This will save America's reputation from the cynicism of George W. Bush," he said.
The U.S. Embassy in Cairo and the Egyptian Embassy in Washington declined to comment.
• Special correspondent Maged Atef contributed to this report from Cairo.


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Tex-Mex Appetizer Tart
Asparagus, Artichoke and Red Pepper Pizza
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Refrigerated pie crust is the flaky base for a topping of rich goat cheese and colorful roasted red peppers.
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With Plumber agents trapped in Incursean territory, Ben and Rook must employ the services of Rad Dudesman, the roughest, toughest smuggler in the galaxy.
Yuri Lowenthal
Ben Tennyson, Ampfibian
Bumper Robinson
Rook Blonko, Bloxx, Arnux
Carlos Alazraqui
Rad, Pyxi
Guest Star
Paul Eiding
Max Tennyson, Blukic, Eye Guy
Recurring Role
Eric Bauza
Diamondhead, Driba, Commander Raff, Pax, Grey Matter
Recurring Role
Rad Dudesman had previously made a cameo appearance in the opening of "Have I Got A Deal For You".
Incursean Soldier: Huh? It's a duck.
Rad Dudesman: (activates guns) Duck this!
Eye Guy: (about Rad) Five million freighter captains in the universe, and I get a triggerhappy duck with a death wish!
Eye Guy: (after changing) Eye Guy? Really? Sweet! I haven't seen this guy in like, forever!
Rook: Wait here.
Diamondhead: "Wait here." Has he even met me?
Rad Dudesman's first name, the way he talks, and how every though alien is afraid of him makes him Cad Bane a bounty hunter from "Star Wars The Clone Wars".
S 6 : Ep 30
Aired 11/14/14
S 6 : Ep 29
Aired 11/13/14
S 6 : Ep 28
Aired 11/12/14
S 6 : Ep 27
Aired 11/11/14
User Score: 555
User Score: 268
User Score: 65
User Score: 53
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User Score: 27
User Score: 26
User Score: 9
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User Score: 2
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User Score: 1


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Watch What Happens: Live
Alex McCord & Simon van Kempen
- Episode Description
The Real Housewives of New York City sweethearts Alex and Simon stop by the Bravo Clubhouse.
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Pronunciation: le sucre
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They feel bad, so they found you these other deals to make up for it.
Select Local Merchants
Picture PeopleRead MoreBefore looking through the camera lens, the expert photographers at Picture People spend time getting to know their subjects and establishing a strategy for conveying their personalities in print. Then, picture perfect clients pose in the bright camera room, smiling amid colorful backdrops and creative props. Following the photo shoot, subjects make their way to the selection station to choose their favorite poses from their session, which may be treated with sepia tones, color accents, and decorative borders to suit any wall, wallet, wallpaper pattern, or trophy walleye. Picture People offers a variety of creative tips to help enhance mantel-dominating final results. The studio ensures satisfaction with a 100% guarantee on finished products.480 Center St., NESalem, OR US
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The Amigo® Mio Lite Turnout Sheet has a 600 denier outer shell that is waterproof and breathable so your horse is dry and comfortable. Coat-smoothing nylon lining helps keep your horse's coat shiny. Use alone for rainy weather or layer in harsher conditions.
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The Upland Turnout Sheet is waterproof and breathable in 600 D polyester with a nylon lining. Tail flap offers extra protection from wind.
Your pony will stay dry in the economical Rider's International Turnout Sheet-Pony. Fully waterproof and breathable, this pony turnout sheet has a ripstop nylon outer and a smooth polyester lining. It's constructed without a center seam to keep moisture out.
The WeatherBeeta Kool Coat Airstream Detach-A-Neck Turnout Sheet prevents your horse's coat from fading with 100% UV protection. This turnout sheet keeps your horse cool, clean and protected from insects, too. The strong polyester outer shell has mesh side panels on the neck and barrel to help with airflow.
Woven polyester mesh fabric is extra durable and protects against flies and coat fading. The Saratoga Summer Fly Sheet features invisible shoulder gussets that allow free movement, a contoured fit and easy care.
Ideal for mild weather, the Amigo® Hero 6 Turnout Sheet from Horseware® Ireland is both waterproof and breathable. It features a tough polyester outer shell and smooth polyester lining. Horseware's classic cut keeps it secure.
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The Rider's International Stretch Micro Mesh Fly Sheet Combo is made of soft, breathable and lightweight nylon mesh. This sheet keeps your horse cool while providing protection. Slightly stretchy to conform to the horse's body, this sheet will keep the pests at bay.


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Registration form
Order CD or DVD materials
Webcast Registration
This contains hyperlinks to three decisions of the United States Supreme Court, one of this morning and two of yesterday, that are newsworthy now, and likely will have long term impacts which also is a likely understatement.
Yesterday's decisions in King v. Burwell and Texas v. Inclusive Communities turn not on constitutional principles, b
Catching up on one that almost got buried is the Memorandum Opinion In Re: Metzler, Case No. 8:12-bk-16792-MGW Chapter 13 and In Re: Patel, Case No. 8:13-bk-09736-MGW Chapter 7 (Bankr. M.D. Fla. May 15, 2015) which will be of interest as lienholders, whether lend
July 30, 2015 – August 1, 2015
The Breakers
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Room Rate: $218
Note: The group rate is no longer available for the nights of 7/30, 7/31 and 8/01.
Email email@example.com to be added to a waitlist for this event.
The EC Registration Form
The Committee Registration Form
The Meeting Schedule
The Legislative Update Registration Form


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The Whole Nine Yards
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STAR TREK INTO DARKNESS - Grading & Discussion [SPOILERS]
View Single Post
May 18 2013, 12:51 AM
Fleet Captain
Re: STAR TREK INTO DARKNESS - Grading & Discussion [SPOILERS]
Kruezerman wrote:
Pauln6 wrote:
It's interesting to see some actual resaerch confirms what I've been grumbling about in Trek. Here's what it says about STID:
"Star Trek Into Darkness has two women as well: Zoe Saldanas Uhura, who is tough and smart, although most of her screen time is devoted to the particulars of her romantic relationship with Spock, and the new character of Dr. Carol Marcus (Alice Eve), a brilliant scientist who nonetheless gets an underwear scene that plays like the dictionary definition of gratuitous."
Actually, he forgot the mom, two hookers, and some nurses, although all their dialogue added together was less than Keenser's, plus Aisha Hind's bald navigator.
I think you're making something out of nothing. While I agree that Marcus' underwear scene was gratuitous, I think the idea of changing the whole scenes just to include conversations with female characters is foolhardy. Uhura and Spock's relationship was a part of showing how Spock's emotions were getting the better of him and how she was worried that he may be suicidal after what happened in 09.
It's not this production crew's fault that the TOS crew had one woman with a large role in it, they obviously weren't willing to change everything just for the sake of a "perception" of equality. Now forgive me if I seem callous, but it's the same problem with people who want to put a gay character in and, almost literally, shove it in our faces. Showing equality doesn't mean pandering to that part of the population, it means showing that they too can be a part of something, and in that sense, Star Trek has succeeded.
I think Kirk's threesome could've been cut from the film. I think it's a caricature of Kirk to say he would do something like that. I agree with you that Carol's underwear scene is gratuitous. I think showing Zoe's ass was another faux pas. It's not perfect, but the character of Uhura is 10x better than any woman in Starfleet before her. It's just not to where it needs to be outside the Star Trek world.
"Cogley was old-fashioned, preferring paper books to computers. He had an extensive collection of books, he claimed never to use the computer in his office."
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Don't feel bad when nobody wants to sample a shot from your titanium & aluminum V12 espresso engine. For one thing, you didn't buy it for the quality of the coffee it produces, and secondly, cleaning out 12 espresso "exhaust pipes" is a pain anyway. So just stand back and admire it like you're supposed to.
Drinking a good cup of coffee doesn't need to be a complicated, 10-step process requiring Pyrex lab equipment. The simplicity of these coffee drippers from Kalita takes making your morning Joe back to basics. Drop a paper filter into your stainless, ceramic or glass dripper, add coffee, hot water, and in minutes it'll fill your cup with the good stuff.
The problem with breakfast sandwiches is not eating them; it's making them. If making your own was idiot-proof-easy and quicker than the line at the drive-thru, you'd be scarfing bacon right now instead of reading about it. Think about it: improving your life could be as easy as buying a breakfast sandwich maker.
Yeah, microwave frozen pizza is pretty good but pizza made from scratch and cooked in a wood-fired oven is way better. Seriously. This Italian-made, all stainless steel wood-fire pizza oven warms up in just 15 minutes, and cooks your pies at high temperature on a stone surface. One homemade pie & you may give up the microwave stuff altogether.
Ceramic knives are the sharpest and when it comes to cooking, there's almost nothing as clean as the naturally germ-rejecting properties of super-strong ceramic. But these knives from Edge Of Belgravia aren't just made of the good stuff, they also feature award-winning design with soft-touch handles and distinctive blade styling. Source
Try as you may, it's impossible to get homemade pizza to come out of your oven as bubbly, crisp, and chewy as a real woodfired pizza oven does. Enter the Uuni, a compact woodfired mini-oven for making your own gourmet woodfired pies at home. Once you prep the Uuni, it'll reach temps of up to 800º, cooking your pizzas to perfection in just 3-4 minutes. Shipping this summer. Source
Even if your city hasn't yet begun a recycled water or "toilet-to-tap" program, there are plenty of reasons to avoid drinking unfiltered water. The Soma system is a glass carafe that features totally compostable, coconut shell carbon filters that come delivered to your door by subscription. You'll never have to remember when to change filters & your drinking water will always be fresh.
You teaheads will really like this pot. The clear glass design allows you to monitor the color of your tea as it steeps to achieve a perfect brew every time. A warming stand powered by a tiny tealight candle is also included to keep your tea piping hot.
Space stations, petri dish sheep, the God particle; technology is super-advanced & utterly amazing, so why did it take so long to develop the single-cup French press? Who knows, but now it's here. Drink up.
Coffee stored in a canister keeps your morning Joe tasting better longer. This unique stainless steel coffee canister allows the CO2 produced by the coffee to escape through a one-way valve in the lid that locks in flavor and lets the gas pass. Source


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Picture: Plan B aka Ben Drew The 2011 Glastonbury Music Festival held at Worthy Farm in Pilton - Day 3 - Performances Somerset, England -...
Rapper/actor Plan B has lost a massive 28 pounds (12.7 kilograms) ahead of a movie shoot after co-star Ray Winstone advised him to slim down.
The star, real name Ben Drew, will play British actor Dennis Waterman's character Detective Sergeant George Carter in a film remake of classic U.K. cop series The Sweeney opposite Winstone's Detective Inspector Jack Regan, previously portrayed by the late John Thaw.
The pair met up over the summer (11) to discuss the project and Drew, 27, reveals a comment from Winstone prompted him to embark on a drastic diet.
He tells Britain's The Sun, "Ray came into the studio and we were talking about my character and how someone as young as me has got the part.
"We were saying how I've got to be a man in his early thirties, super-smart, excels in exams, brilliant at sports and Ray looked me up and down and goes, 'Are you sure you're going to get yourself in good enough shape?'
"I thought right then and there, 'I'm going to do it'. That's the extra incentive I needed. I thought I'll f**king show you, pal. I haven't seen him since losing it all. I can't wait to see his face.
"I've cut out bread and everything else that goes through a human process - pasta, bread, all that s**t - and I do weights sessions three times a week. I was f**king 14 and a half stone before I started training - that wasn't healthy for my age and size."


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DEFINITION of 'Contemporaneous Reserves'
A form of bank reserve accounting that requires a bank to maintain enough reserves to cover all deposits made that week. The use of contemporaneous reserves accounting is designed to reduce short-term monetary fluctuations. The Federal Reserve required banks to use contemporaneous reserve accounting between 1984 and 1998.
INVESTOPEDIA EXPLAINS 'Contemporaneous Reserves'
Contemporaneous reserves are difficult for banks to calculate because they cannot be sure of the amount of deposits they will receive throughout the week. This forces banks to estimate the amount of deposits, which creates the risk of forecasting incorrectly.
The creation of the requirement was in response to pressures on the money supply, which some economists believed was caused by the lagged reserve accounting method that banks were using at the time. The lagged reserve requirements allowed banks to estimate reserves based on deposits from two weeks prior. Economists speculated that banks were creating deposits and loans with insufficient funding, and that banks felt confident making these moves because they knew the Federal Reserve would lend money at the discount window if they got into trouble.
Despite enacting the contemporaneous reserves requirement, banks were still running into trouble making estimates, and money supply indicators such as M1 and M2 kept fluctuating.
Money SupplyThe entire stock of currency and other liquid instruments in ...
Reserve RequirementsRequirements regarding the amount of funds that banks must hold ...
Structured TransactionA series of transactions that could have been treated as a single ...
Portfolio SaleThe sale of a large group of related financial assets in a single ...
Chart Of AccountsA listing of each account a company owns, along with the account ...
Deficiency BalanceThe amount owed to a creditor if the sale proceeds from the collateral ...
What are the generally accepted accounting principles for inventory reserves?As with most matters related to generally accepted accounting principles (GAAP), accountants assigned with the task of applying ... Read Full Answer >>
How do central banks acquire currency reserves and how much are they required to ...A currency reserve is a currency that is held in large amounts by governments and other institutions as part of their foreign ... Read Full Answer >>
How is minimum transfer price calculated?A company that transfers goods between multiple divisions needs to establish a transfer price so that each division can track ... Read Full Answer >>
What is the effective interest method of amortization?The effective interest method is an accounting practice used for discounting a bond. This method is used for bonds sold at ... Read Full Answer >>
What does an unfavorable variance indicate to management?In managerial accounting, an unfavorable variance is discovered when a company's management performs a comparison between ... Read Full Answer >>
Is there a way to include intangible assets in book-to-market ratio calculations?The book-to-market ratio is used in fundamental analysis to identify whether a company's securities are overvalued or undervalued. ... Read Full Answer >>
Personal Finance
How The Federal Reserve Manages Money SupplyFind out how the Fed manages bank reserves and this contributes to a stable economy.
Explaining Term DepositsA term deposit (more often called a certificate of deposit or CD) is a deposit account that is made for a specific period of time.
Calculating Net Realizable ValueAn asset's net realizable value is the amount a company should expect to receive once it sells or disposes of that asset, minus costs from its disposal.
Rising Interest Rates: Who it Helps, Who it HurtsWhen interest rates rise, the impact hits some of us differently. Here's why.
Bank Lingo: Routing Number Vs. Account NumberEach consumer bank account has its own personal ID. And so does the bank. How do these numbers function and how do they protect the account holder?
Investing Basics
Calculating Unlevered Free Cash FlowUnlevered free cash flow (UFCF) is the free cash flow of a business before interest payments.
Understanding Write-OffsWrite-off has different meanings depending on the context in which it is used, but generally refers to a reduction in value due to expense or loss.
What are Capital Goods?Capital goods are assets with a useful life of more than one year that are used for the production of income.
Understanding Capital AssetsA capital asset is one that a company plans on owning for more than one year, and uses in the production of revenue.
Investing Basics
Do You Know These Odd Investing & Business Terms?Think investment talk is boring? There are plenty of terms to liven up any conversation about Wall Street and finance. You should try some of them out.


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vinylletters' Profile
We offer many different removable vinyl wall decals, wall stickers, wall quotes to help you decorate your home. Such as Custom wall decals, Tree wall decals, and many different wall quotes. Vinyl wall decals are a great solution for colorful and cheerful decor anyplace where children are. We believe Children need color and fantasy in their surroundings and vinyl wall decals are a quick easy solution to accomplish that. They are an easy and removable decor solution, whether it be wall decals for baby/nursery, wall decals for home, office, or even your car, or truck our shop has them all. Our wall decals are printed on the very finest quality vinyl. Our decals are removable, but not reusable.
If we have an existing design but maybe it's not the colors your looking for and you want it in a different color scheme or if you have something in mind but don't see it in our shop, Just Convo me and we will do…
- Joined February 12, 2011
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- Lake City, FL, United States
wall stickers, wall vinyl, wall quotes,...


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The Before the Bell report is constantly updated to reflect the latest news developments and market moves in the premarket. Check back later for updates.
Markets are looking a little vulnerable this morning, as Thursday's pullback in stocks has created unease over whether the long-awaited correction is finally nearing. Stock futures are nearly flat after trading earlier this morning in negative territory.


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July 15 | 5:30pm
hurry, space is limited
To read about Nigel Lewis, MD and Somasekhara Kaipu, MD, as well as the growing list of physicians currently serving our hospitalized patients, visit our new hospital medicine page.
Find out how Florida Medical Clinic
makes planning for the unexpected
easier on you and your family.
See more patient stories on doctor profile pages.


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"One People, Two Worlds" (Schocken Books, $26) the title of the current book by a Reform rabbi and an Orthodox rabbi exploring the issues that divide them, proved to be all too accurate this month when the Orthodox author, Yosef Reinman -- under pressure from religious leaders in his...
Michael Oren responds to 'Ally' backlash at local event
Israel OKs larger Egyptian force to fight jihadis
Hamas terror cell planning attack arrested in West Bank
Hebrew word of the week: Artsot ha-brit (The United States)
Anti-Israel tweeting prof. hired by American University of Beirut
Professional tips on clearing clutter and getting organized
Mexican TV anchor Zabludovsky, symbol of government spin, dies at 87
Young Jewish life is alive and well in revamped Downtown L.A.
Tag: Book Tour
View the most popular tags overall?
Closed Chapter
November 7, 2002 | 7:00 pm
One Rabbi's Book Tour
November 4, 1999 | 7:00 pmI am watching my wife with Matt Lauer. She is on "The Today Show," sitting across from the handsome host, both of them locked on each other's eyes the way beautiful people lock eyes on, well, television.
It's a strange thing, sitting on our couch alone watching Matt Lauer with my...
Judaism Between the Sheets
March 18, 1999 | 7:00 pmIn these scandalous times, is there anything left to say about sex?
TV offers us All-Monica all the time. The globally accessible Internet offers its own virtual red-light district. Surrounded by wall-to-wall visuals and 24-hour media blather, we're inundated with sexual information....


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Object description
image: The interior view of a shell forge showing the glowing hot shell cases emerging from the furnaces on the left of the composition. Munitions workers man the furnaces on the left; in the foreground is the back of a worker leaning over a glowing hot shell case. Sunlight streams in though the windowless wall on the right of the forge.
This piece was a particular challenge for Airy who had to work with great speed to capture the colour of the molten shells. The tremendous heat of the interior added to the intensity, and one one occassion the ground became so hot that her shoes were burnt off her feet.
History note
Ministry of Information commission. Commission administration transferred to Imperial War Museum.


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Pendulum clock has hinged front. Detailed with routed edges. Uses 4 AA batteries (not included). Solid and composite wood; cherry finish. 11 1/2" w x 27" h x 4 3/4" d.
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What Will You Gain From Life Coaching?
Life coaching helps you reconnect with your core beliefs and values, find out what you want, then take action to achieve your goals. Most importantly it is about living your life to the fullest, and making sure your living in tune with your values and belief system. Just as a sports coach helps athletes perform at their best, life coaches can guide you and support you on your journey to achieving your wildest dreams. Here are a few Life Coach Miami tips to help you with selecting a good coach.
Life coaching allows you to set time aside to focus on yourself and give yourself the attention you deserve. Your time is precious and you should always make time to take care of YOU. When working with a coach you will explore areas of concern, areas of contentment, and use that to help improve all areas of your life. Your coach will suggest strategies that will enhance your ability to move forward and transform any areas of struggle.
One of the greatest values that life coaching provides is focus on the present and the future. Awareness of your blind spots will be one of the first recognized values in your coaching sessions. Your coach will help you uncover the recurring patterns that could be holding you back and help you consider new choices. Your coach is on your side, supporting you and guiding you to be all that you can be, and empowering you to be able to overcome obstacles that life throws at you unexpectedly. The life coaching process enables you to set new goals based on your true self, create new positive habits, and balance your life. You will learn to manage your time and find more time for yourself, get rid of unnecessary stress, and increase your energy level!
Working with a coach differs greatly from chatting with a friend because they use a learned technique to uncover any problems, while a friend may allow opinions or emotions to interfere. Your coach will accept you for exactly who you are… there is no need to pretend!
When Should I Hire A Life Coach?
The decision to hire a life coach may be considered a short-term process, only because most people are encouraged to work with a Life Coach when there life is a mess or falling apart. Life coaching actually can be beneficial at any time in your life and during any situation. You are more than likely familiar with sports coaches, and no athlete tries to achieve sports goals without their coach, so why do we go through life creating goals without utilizing a life coach?
One thing that any life coaching client can say is that making the decision to hire a life coach will be one of the most impactful decisions you will ever make for yourself. As everyone is different, have different goals in life, and has many different wants and needs, the reasons for hiring a life coach will vary. However, there are some main reasons why the majority of people do choose to hire a coach for life coaching services.
One of the top reasons to hire a coach is the ability to set realistic and obtainable goals, and then to strategize on how to achieve them. Your coach will help you to make sure you choose goals that are right for you, your beliefs, and desires. Building a solid foundation will allow more room for accomplishment and success. With this, your life coach will hold you accountable for taking the necessary actions that you work on together and be there to support you along your journey. You can also check out this Life Coach Miami Facebook page for educational articles.
Another popular reason for hiring a life coach in Miami is their search for happiness. I am sure most people agree that happiness plays a major part in your life and how you live it. Imagine being able to reduce the number of problems in your life, how would you feel? Life Coaches will help you to better be able to handle the curve balls that life throws at you and create a prosperous future filled with happiness.
If you ask when the right time to hire a coach or to get life coaching in Miami-Dade County? It is now!
Do You Know What To Do When Your Appliances Break Down?
When any of your home or kitchen appliances break down, there are a few things you should do before attempting to see if you can fix it yourself or in some cases before you even call a local appliance repair company. The absolute first thing you should do is check to see if it is covered under any warranty either by the manufacturer or from the appliance store that you bought it from. First, this can save you money if it is covered under warranty, however, if you attempt to fix it yourself while the warranty is still valid, then you could actually void the warranty.
If you have a manufacturer's warranty in place, you will need to contact the brand of appliance you bought and speak to their service department, they will set up the service call for you, along with giving you some advice for what to do in the meantime, before the technician comes out to fix the problem. Here is a list of steps that you can take whenever you face an appliance repair problem.
- Contact the company that issued the warranty, if you have your receipts from the day of purchase these will help you out a lot when you contact the service department.
- If you have a warranty read through the guidelines to make sure you have the necessary documentation to actually file a claim.
- Find out from the company if you need to actually contact a repair company or if they will take care of everything for you. If they want you to, ask them if there are any approved vendors that they can recommend.
- If you have to pay for the repair costs upfront, make sure you keep all the invoices for parts and labor, as you will need these to submit to them to get reimbursed.
How Impact Windows Can Prevent Burglaries At Your Home?
Whether you are shopping for impact windows or you currently have them installed on your home, you know they are great when it comes to protecting your home and family from the damages that could be caused by hurricanes. But did you know that they are also great for improving the security of your home to prevent burglaries? Yes, it is, so when you decide to get hurricane windows to replace your traditional windows you will not only keep out flying debris but also burglars.
Break-ins and flying projectiles will become a thing of the past
If you do not know what the most vulnerable part of your home is, let me tell you, it is no question that it is your windows. As several different sources of research have shown that the main access point for burglars is from windows, where they will break the glass, which will give them access to the latch, once the latch is unlocked they can easily open the window fully and then climb in your home to get what they want. This is why if you can stop a thief before he even starts you can avoid burglaries.
So how do you stop him in his tracks you ask?
Well, you make sure that they can't break your windows in the first place. And this is where impact resistant windows and doors come into play as they are designed to resist several different types of impacts, so no longer can someone use a stone or hammer to break your windows if you have impact glass.
In addition to the sturdy glass, these storm tight windows also come with a heavy duty frame, so everything about these windows are tough, so even if someone that couldn't break the glass from your windows, decided that they would just take the entire window out by using a crowbar, it would be really difficult. It would be so much easier for them to just target another house.
Click here to learn more about the best storm windows like PGT Windows.
Do Impact Windows Have A Distorted View?
If you are shopping around for impact windows and doors, then one of the questions that may be on your mind, is if you can actually see through these impact resistant laminated glass? And the easy answer is it depends and it really depends on several factors such as the brand and type of window that you purchase. The cheaper the quality, the better the chances of you noticing that the view isn't as clear. But as time goes by and with the technology that is being put into making these windows stronger and stronger, they will eventually all be crystal clear.
But the reason you may not have a clear few is because the impact glass is laminated and it's tempered with an inner layer.
In any case, however, you still need to be able to differentiate between what's normal and what is just a bad quality glass. Good glass manufacturers will have to make sure that the glasses they produce actually meet the requirements of the ASTM, which is the organization that sets what is acceptable and what is not for blemishes and imperfections. So make sure that you find a local window dealer that only carries top quality windows.
Now you might be wondering, how the heck are you going to know a good quality window, from a bad quality window?
Well, one of the things you can do is when you speak to your local window company; let them know that you are only interested in window products from one of the top manufacturers, such as:
- PGT Industries
- Andersen Windows and Doors
- CGI Windows
- Jeld Wen Windows and Doors
You will have peace of mind with investing in any of the products these manufacturers produce, because they focus on quality and have an existing track record of producing the highest quality door and window products.
For more information visit The Window Pros.
Here's An Option If You Need To Sell Your Car Quickly
Ok, so maybe you have heard about the many "Cash For Cars" services that are available nowadays, both online and offline. And it seems quite interesting to you that you could actually exchange that piece of junk vehicle for some money. But how does one go about selecting one of these many service providers in the we buy cars for cash industry in Fort Lauderdale Florida? Well, here are some tips at this sell my car fort Lauderdale Twitter Page, that can help you choose the right company to work with and it is important that you do some research before you make a final decision.
Work with a company that is close by to where you work or live. Local businesses are always looking for referrals, so they have an incentive to treat you right so that you can tell more people about their services and it is important to them that they have a good reputation in their local market place. Also the closer it is to you the better convenience wise, just in case you ever need to run back home to get them paper work and of course a lot better for you when it comes time to pick up the check if they are nearby.
Make sure that you not only research which Broward County company you want to sell your car, truck or van to, but you also need to do the research on your particular vehicle before you call these companies, unless of course the car is a total junk. If it is not, such as the car runs, it is just old, then you can get more money for it, if you take the time to do some research to figure out what the current market value will be for that type of vehicle that is of the same year if possible, similar mileage and physical condition.
Believe me; it is worth your time, even if it means an extra hundred bucks in your pocket. So do your research and then start calling around before you make a final sell my car fort Lauderdale decision.
Have You Heard Of Cash For Cars Programs in Fort Lauderdale?
While not all vehicles will be worth a lot of money, the newer they are the more cash you can get, but even as automobiles get older and even to the point where they no longer work, they can still have some value. There are many salvage yards that have some type of cash for cars buying program where they will buy junk cars, as they can buy these cars either to resell the metal or to remove and sell the parts that are still good. Some people may have heard of the Cash For Cars Fort Lauderdale programs before which they can either be for cars in good condition or for junk cars. What they typically don't know is what kind of junk cars are actually suitable to be sold to a salvage yard for cash.
Junk yards do not want vehicles in good condition
Toyota vehicles are typically reliable and can give the owner hundreds of thousands of miles before they no longer function. Because these vehicles are so reliable, some consumers will assume that no one will go to the salvage yard in search of spare parts for these types of vehicles, which is not the case. While there are a few automobiles that have a long lifespan, at some point or another, they will have some type of repair or maintenance problems. For a Toyota owner that wants to keep his vehicle for 300, 000 miles, should find a good junk yard in his local area to buy parts inexpensively, which will save him a lot of money when compared to having to buy parts from a local auto parts store or the local Toyota dealership.
Even wrecked automobiles have value
If a vehicle is considered "Totaled" it is because it has expensive damage from the rear of the vehicle, but that would mean that anything under the hood could still be in good condition. And while totaled cars and trucks can't be sold to consumers, any salvage yard will buy it in a heartbeat so they can get the parts. Most consumers are surprised, when they realize they can get a few hundred dollars for their vehicle that was in an accident, through a cash for cars program.