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Showing 1-24 of 90 items found in Shopping
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Chicago Premium Outlets, Aurora
Find impressive savings at over 120 designer and name-brand outlet stores, such as Ann Taylor, Armani, ASICS, Banana Republic, Calvin Klein, Coach, Cole Haan, DKNY, Gap, J.Crew, Lacoste, Nike, Polo Ralph Lauren, Salvatore Ferragamo, Michael Kors, Theory, Vera Bradley and more. The opening of an additional 80 stores in the spring of 2016 will make this even more of a Midwest Shopping destination! In Aurora, 37 miles west of Chicago.
Kendall County Flea Market
Held June 10, July 8, Aug. 12, Sept. 9 and Oct. 14.
Jonamac Orchard and Corn Maze
Bring your family out to our 65 acre site for a day of fall fun this harvest season! Open from August 31st through November, enjoy the horse drawn hay rides, 10 acre corn maze (Beginning Labor Day Weekend), kid's activity area with a barn, bale pile, tractor cab and more. Pick your own apples from any of our nearly 5,000 trees (Begins late August). Stop in our store and visit the bakery for apple donuts, pies, caramel apples and fresh baked bread, and fudge. Pony rides and a petting zoo will be available in the beginning of September. Apples: Akane, Mollies Delicious, Jonamac, Jonagold, Crispin, Empire, Stabrite, Braeburn, Honeycrisp, Pink Lady, Granny Smith, Red and Golden Delicious, Ginger Gold, Cortland, Blushing Gold, Fuji, Haralson, Red Free, Prima, Gala, Spartan, Melrose, Rome, Cameo, Tsugaru, Gold Rush. Jonamac Orchard is your family's fall tradition.
Two Brothers Roundhouse
Originally constructed in 1855-1865, the roundhouse was renovated and now houses Illinois' largest microbrewery and brewpub. Passion for beer, love of food, and appreciation for great architecture flourishes in the walls of this historic 70,000 square foot facility. Listed on the National Register of Historic Places, Two Brothers Roundhouse is the oldest limestone roundhouse in the United States. As they bring new life to this 155 year old building, enjoy a casual atmosphere in the main dining room gastropub, our sports tavern and music venue or our new cafe and bakery. There is more to do than dinner at the Roundhouse. As with the beer and food, the live entertainment has a local flair. Whether it be a wedding, reunion or corporate event, they have a variety of spaces for friends and family to gather. Cheers!
Yaeger's Farm Market
Farm products available for purchase include plants, fresh fruits and vegetables, plus a wide variety of Amish jams and jellies. A pumpkin patch and corn maze are featured in the fall.
Amish Ways Country Store
Quilts, crafts, florals, pottery, jams, jellies, popcorn, seasonal items and more. Christmas walk 1st weekend Nov.
CITY:Paw Paw
Heritage Prairie Farm
Farm dinners at Heritage Prairie Farm, in Elburn have been a tradition since 2007. All farm dinners include a welcome cocktail upon arrival to the farm with butler-passed appetizers, and live acoustic music. For dinner, an upscale five-course meal, introduced by the chef himself, is served family-style in a charming atmosphere, regardless of the season. Get an inside look at how the farm operates from one of their knowledgeable staff with a private tour of the farm.
Randall/Orchard Road Corridor
These rapidly growing roads stretching through Aurora, North Aurora and Batavia are full of shopping and restaurant surprises.
Westfield Fox Valley
DuPage County, Chicago's Western Suburbs - One of Illinois' largest malls, this three-level enclosed shopping center features over 180 stores and restaurants, including Carson Pirie Scott, JCPenney, Macy's and Sears.
Granny's Berries
Stop by and pick your own blueberries and red raspberries.
Olde Timers Antique Centre
One of the biggest and most beautiful antique stores in Illinois. More than 100 dealers in 50 large booths and 175 lighted showcases. Thousands of the finest antiques from primitives to china, toys to jewelry, rooms full of beautiful furniture.
Fox Valley Center
One of Illinois' largest malls, this three-level enclosed shopping center features over 180 stores and restaurants, including Carson Pirie Scott, J.C.Penney, Marshall Field's and Sears.
Krafty Korner - Located inside R & D Do It Best Hardware
Unique gift items including, paintings from Spain, tractor collectables, yard art, candles, glass work, specialty items, and hard-to-find gift ideas.
Larson's Family Farm
Open throughout October, enjoy scenic hayrides on weekends, a pumpkin patch, the Barn Store, and Christmas trees after Thanksgiving.
Bridget's Kid Closet
Bridget has clothes from size newborn to size 12/14 girls and boys. She carries baby equiptment, dvds, toys, outdoor toys, all at a fraction of what it costs new.
Honey Hill Orchard - Waterman
Honey Hill Orchard is a family-owned and operated orchard that was started as a hobby by Hawken Askelson in 1965. Today, the original orchard location has 2,100 apple trees, with an additional 500 trees at a second farm location. What started out as a simple farm stand has grown to include pick your own apples, raspberries and pumpkins, honey from Honey Hill's own bee hives, a bakery, the Apple Barn Country Store and some old-fashioned family activities. In addition to providing customers with quality products, Honey Hill Orchard gives families a chance to spend a relaxing time on the farm and create some great family memories and traditions.
Emerson Creek Pottery
It happens the moment you turn onto the long, gravel road; it might be the charm of the converted century-old farmhouse filled with handcrafted pottery, homemade candles and other unique finds. It might be savoring the last bite of Blackberry Peach Cobbler after a delicious, freshly prepared lunch in the tearoom. Or it might be the peaceful serenity found only in the countryside. Whatever "it" is, friends young and old, male and female, have been coming back to Emerson Creek to experience it again and again.
Geneva Kayak Center
Geneva Kayak Center is a paddlesport school and adventure travel company that's proud to be recognized as a ACA Pro School and offer both whitewater and sea kayak instruction. Their goal is to promote the sport of kayaking through safety and education. In addition to local offerings, they offer spectacular Adventure Paddling Trips for beginner to advanced paddlers, to amazing locations. Whether you want to enjoy an afternoon on the river or are preparing for a two-week expedition, Geneva Kayak Center believes the sport of kayaking should be fun, and enjoyed by all.
Blue Moon Balloon Company
Balloon bouquets, arches, flags, pillars and just about anything you can think of made out of balloons!
Market on Main Street
Friday nights will never be the same. Don't miss the all new Market on Main Street in historic downtown Oswego. There will be quality antiques, re-purposed finds, vintage treasures, handmade items, entertainment, food and more. The shops and restaurants in downtown Oswego will be open late as well. Held the last Friday of the months of July, August, and September.
The Carving Shop
The Carving Shop features the work of Joe Dillet, Master Craftsman, and specializes in custom hand carved heirlooms for the family, church and architectural carvings. We work from your designs, or ours, to create an awesome look that only hand carving can achieve. All wood is seasoned. All work is protected with a finish that will last many years. All work is guaranteed.
Treasures Old & New Antiques
In this store you will find unique antiques.
Josie's Antiques
Josie's Antiques has a very large selection to browse through. This shop is four buildings on a large piece of land on the outskirts of Maple Park. The atmosphere will take you by surprise as will some of the treasures you will find! Definitly a must when traveling to or through!
CITY:Maple Park
Rocktown Adventures
Rocktown has an appreciation of the outdoors to inspire you to take on new challenges, leading to a healthier lifestyle, and ultimately helping you define your idea of outdoor recreation. They have experienced instructors that love to share their passion for the outdoors, and trip guides that know our waterways and trails like the back of their hand. They are located near an abundance of recreational assets waiting to be discovered by you.


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Mad Men Recap: Season 6, Episodes 1-2 "The Doorway" (VIDEO)
AMC's Mad Men returned with a 2-hour season 6 premiere, and 1968 seems to be tough for everyone. Peggy tries to whip everyone into shape at her new job, Roger deals with a tragedy, and Don returns to his womanizing ways. Watch Celebified's review of the 2-part premiere, and let us know your predictions for the rest of season 6!

subset: commoncrawl


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The Johnson City Fire Department will be hiring five firefighters to bolster its lineup.
Chief Mark Scott said there are plenty of qualified candidates out there, and he hopes to get a full field of applicants during the registration period for the firefighter examination, which begins Monday and runs through Oct. 19.
The first thing candidates need to do is fill out an application with the city's Human Resources Department during the registration period. All applicants will be notified to take a written exam. A physical agility test comes next.
"Once that's completed, they will go through a background check and polygraph, and then we'll begin the interviews," Scott said. "It will take until January to get to a point where we've ranked the candidates from top to bottom. We can usually get through the interview process in two to three days. We hired nine personnel last year, and they are top-notch."
Three of the firefighter positions were previously frozen, meaning the spots remained open but unfilled. One person retired; one left to take another job.
Scott said the department has been trying to rebuild the fire marshal's office, and the new hires will allow him to add an additional person in that office.
"We originally had four slots there," he said. "We've had three there since the first of the year. Two people left the department, and Sam McClain was reassigned to the suppression division. That left me with Lori Ratcliff (assistant fire marshal). Since then we've added two to that office, and we've spent a lot of money on their training. We plan to promote one person from within the department to join them."
Scott plans to hire five firefighters, which will allow for a promotion of one person to the fire marshal's office. Two firefighters will be promoted to the training division and the other two positions will be firefighters in suppression units.
Minorities and females are encouraged to apply, and there is no discrimination based on age, Scott said.
"We've hired people in the 40s," he said.
Scott said the job is more demanding than it used to be. For example, when he first joined, the department was answering about 700 to 800 calls a year. Now, the department answers about 9,000 calls a year.
"People should be looking at this as being a career," he said. "Today, if a person gets promoted, they get a 10 percent pay increase."
The department has 120 members, 110 of whom are dedicated to fire suppression, Haz-Mat and medical first response operations. The department operates three shifts with approximately 35 firefighters working per 24-hour shift. Firefighters respond from nine fire stations, operating nine pumpers, three ladder trucks and one incident command vehicle.
It is comprised of a mix of a mix of paramedics, emergency medical technicians and first responders. Nine engine companies, equipped with automated external defibrillators, IV fluids and vehicle extrication equipment, respond to medical emergencies and motor vehicle accidents as required.


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Deal Alert! 15% off tarte cosmetics for Temptalia Readers!
tarte is giving Temptalia readers 15% off now through March 19th with code TEMPTALIA. You can check out my top picks here!
*Only valid at www.tarte.com. Must enter promo code at checkout. Cannot be combined with any other promo code/offer/discount. Not valid on previous purchases. Only valid on in stock items. No rain checks. Additional fees for tax/shipping may apply. Not valid for cash or credit. Tarte has the right to cancel any orders due to unauthorized use of our website or violation of our Terms of Use. Offer subject to change at any time and without notice. Free FedEx ground shipping will apply to orders of $40 & up after discount has been applied. Additional fees for tax and/or shipping may apply. Tarte.com can only ship/process orders within the US & PR. Offer begins on March 13, 2013 and expires on March 19, 2013 at 11:59pm ET.
Discussion and debate are highly encouraged, and we expect community members to participate respectfully. When asking a question, please check the FAQ section (above) for information about purchasing, price, dupes, and the like. If you have general feedback or need technical support, please contact us.
Comments that include advertisements, self-promotion, insults, etc. may be in violation of our comment policy and subject to deletion. Please see our comment policy for more information.


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This job is no longer available
Further information
Vice Principal Enterprise and Engagement
Preston College, as a leading provider of Further Education is currently going through a period of exciting transformation and establishing itself on the journey to become a more Enterprising College.
These are exciting times for Preston College and a remarkable opportunity has arisen for the right person to join the Executive Leadership Team in driving forward the Enterprising College vision by providing; learners with the skills, attitudes, behaviours and qualifications to realise their ambitions; clients with bespoke training created to meet the current and future needs of their sector; and staff with an exciting, entrepreneurial environment in which to work.
Through engagement can you position the college to become a key influencer in our community?
Dynamic, Committed, Forward-thinking, Enterprising and Customer-focused are qualities we insist upon – If you are excited by the challenge and feel that you excel in these areas and want to use your skills to really help individuals, businesses and communities develop and prosper, we look forward to hearing from you.
Application packs can be downloaded via the 'Apply Now' button.
Closing date for applications: Monday 5th November 2012 at 12 noon
Assessment will take place for shortlisted candidates over Monday 12th and Tuesday 13th November 2012


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Occupying a remote corner of southern Colorado, between Durango and Telluride, Dunton Hot Springs is an 1885 mining camp turned ghost town turned otherworldly luxury resort. "We're not trying to be a museum," says Christoph Henkel, the German-born, London-based investor who owns this frontier fantasyland. "We're a place where people eat good food off real plates, and there's real art on the walls and lots of comforts."
The 13 homestead cabins—the term is used loosely, as one has canvas walls, and they can set up a teepee as an extra bedroom for any of them—cluster around a saloon featuring a 19th-century bar bearing Butch Cassidy's carved-in signature. (The staff insists it's real.) There's destination-quality fly-fishing, along with indoor and outdoor hot springs, and wonderful riding, but this is not so much a dude ranch as high-end time travel. The accommodations may have been gussied up with rain-forest showers, heated floors and soft linens, but you are decades removed from digital distractions, cast as the hero of your own Old West tale. Call it glamsteading.
It was that Western romance that drew Henkel, who, along with his family, owns a controlling interest in Düsseldorf's Henkel KGaA, with businesses in cosmetics, household products, and adhesives. He's also a principal of California-based Canyon Equity, which owns the U.S. Aman resorts and Le Melezin in Courcheval. He first saw Dunton on a whim–it was on the market one day when a cracked rib in Telluride had dampened his enthusiasm for skiing. "Fifteen minutes later, we had a deal," Henkel says of his 1994 purchase (for an undisclosed amount). "It's 183 acres, unique with its hot springs, and waterfall, and two rivers, and the mountains. It was a revelation."
Eventually, Henkel opened his private paradise to guests—the place now pays for itself. But the peripatetic businessman still thinks of Dunton as a home, spending eight weeks a year there, including Christmas, with his wife and teenage sons. They share the place with a cosmopolitan, high-powered roster of guests (typically paying $1,000 a night and up for a cabin) that may include Forbes 400 listers and Hollywood celebrities. But, as he notes, "You'll find the most incredible people from all walks of life: You may meet a naturalist or a cowboy."


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Calling All Make Up Artists – Temptalia Wants YOU!
Are you a makeup artist? You can be a freelance artist or work for a company (any makeup brand, not just MAC!). We'd love to pick your brain a bit in a short interview, which we would love to share with all of the Temptalia readers. We think it would be an awesome opportunity to share your experiences and lessons learned as a makeup artist!
If you're interested, please send an email to [email protected]!
Discussion and debate are highly encouraged, and we expect community members to participate respectfully. When asking a question, please check the FAQ section (above) for information about purchasing, price, dupes, and the like. If you have general feedback or need technical support, please contact us.
Comments that include advertisements, self-promotion, insults, etc. may be in violation of our comment policy and subject to deletion. Please see our comment policy for more information.


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The Making of an Education Reformer
Radical: Fighting to Put Students First
By Michelle Rhee, Harper, 286 pages
In 2007, Washington D.C. Mayor Adrian Fenty tapped Michelle Rhee to be chancellor of district schools and turn around the failing local school system. Rhee had already built a reputation as an uncompromising reformer, and the move boded well for the district's children. But as she recounts in her compelling new memoir, Radical: Fighting to Put Students First, the press conference at which Fenty formally announced her hiring wasn't exactly a triumphant scene. A few attendees clapped, but most watched in puzzled silence. Rhee recalls thinking at the moment that "there would be no opportunity to mend fences or smooth ruffled feathers." Rhee is a public figure with a fraught professional history.
Her observation of that day serves as an apt summary of her entire career, and Radical reflects Rhee's uneasy effort to balance ideological strength of purpose against the necessities of politics. Rhee was born in 1969 in Ann Arbor, Michigan. Her parents had immigrated to the United States from Seoul because, she says, America "had become heroic" in her physician father's mind "for preserving his way of life" during the Korean War. Her family eventually settled in Toledo, Ohio, where her father treated managers and workers alike in the union-heavy town. The Rhees were stereotypically strict Asian parents: As a child, Michelle was allowed to spend only one night away from home, and only until 11 p.m. "The main priority in our family was education," she writes. "It drove every conversation, admonition, and decision in our household." It was a commitment that Michelle began to appreciate once her parents sent her to South Korea for sixth grade. There she found "a society where competition and excellence were rewarded"—where academic achievement was a matter of personal honor.
The United States had also long boasted a competitive society, but by the time Rhee came of age, the American ethos was being squeezed between Lyndon Johnson's expansive welfare programs and the more radical identity politics sweeping the culture during the 1960s and 70s. Rhee briefly flirted with the latter when she helped found a group called RAW—Radical Asian Women—as an undergraduate at Cornell. But she was also learning more useful lessons during her college summers spent managing a small restaurant back home. One such lesson was that "firing people never feels good, but there are times when you have to show an employee the door."
After earning her bachelor's degree, Rhee had to decide between entering graduate school or joining Teach For America, which recruits top college graduates to lead the country's toughest inner-city and rural classrooms. It is a common choice for recent graduates these days, but in 1991 the organization had been around for just one year, and the achievement gap between poor students and their affluent peers barely registered on the national radar. But urged on by her public-minded father, Rhee joined TFA and decamped from Ithaca to Baltimore, where she was assigned to an especially difficult elementary school.
Rhee's account of her TFA training and the three years she spent in a second-grade Baltimore classroom make for some of her memoir's most engaging and enlightening passages. Nothing quite prepares an outsider for the wretched, demoralizing state of the nation's worst public schools, and most of Rhee's first year was spent trying desperately to take control of her classroom. Her students endlessly cussed, horsed around, and threw objects at each other. "Screw you, Chinese bitch!" they'd yell when she tried to impose discipline. Amazingly, however, the same students would behave like little angels when they entered the classrooms of the school's most effective educators. It was an eye-opening realization for Rhee: "It's not just about kids who come to school hungry, from families who don't care about education, through streets with a gauntlet of drug dealers," she writes. "I was creating the kind of environment where they could act up and be crazy….It was me!"
The conclusion Rhee reached—that, as leaders of their classrooms, teachers are the most important factor in whether the students under their charge make academic gains—is now a bedrock of the education-reform movement. Rhee kept that theory at the center of her work long after she left the classroom.
It is an idea that goes against everything teachers' unions and traditional education schools stand for. The latter are awash in radical ideologies, propagated by the likes of the Marxist educator Paulo Freire in his Pedagogy of the Oppressed (1970), holding that teachers and students should join hands as equals in the struggle against established authority. One can imagine how the professors who spend years marinating future teachers in such hokum might react to Rhee's statement that, in fact, most children from poor communities are hungry for "rigid structure, certainty, and stability."
Teachers' unions, meanwhile, don't like the idea that teachers should take ultimate responsibility for their classroom outcomes, regardless of where their students come from or what their home lives might be. Union leaders prefer to wield urban America's social ills as a shield against claims of teacher malfeasance or the prospect of even modest reforms. All of which explains the cool reception of Rhee's appointment in D.C. And soon after she became chancellor, a sign appeared in one of her elementary schools, reading, "Teachers cannot make up for what parents and students will not do."
Rhee recalls being "enraged," and it's a word that crops up throughout her memoir. Rage is what drove Rhee to fire hundreds of principals, assistant principals, teachers, and central-administration staff soon after taking over. Washington, she writes, had "one of the worst bureaucracies" in the country: The school year hadn't started on time for many years; textbooks would pile up unused in storage; teachers remained on the payroll long after they'd left the district; under-enrolled schools drained resources; and the district's dropout rate hovered above 50 percent. Rage was exactly what the school district needed. Rhee's first year in office saw reading and math scores rise significantly. She closed under-enrolled schools by the dozens and ensured that enrollment was on the rebound.
Yet her most important accomplishment was the "grand bargain" she and Fenty struck with the district's teachers' union. By playing hardball with the local union and its national parent, the American Federation of Teachers, Rhee managed to secure a lasting package of reforms that has since been used as a template by reform-minded leaders across the country. Among them were the introduction of rigorous evaluations and merit pay for highly effective teachers. The latter was a concession obtained, to be sure, thanks to hefty across-the-board raises paid for by private foundations. And for championing reform, Fenty paid a price: By the time of the 2010 reelection, he was targeted by the unions in a particularly mendacious campaign that vilified him and his chancellor as insensitive to the needs of the district's black community. Washington voters in 2010 drove Fenty out of office and Rhee along with him.
Rhee took the political failure hard, but it also sparked a new realization: The reform movement needs a grassroots political arm similar to that wielded by the labor unions. StudentsFirst, the organization Rhee founded after leaving the chancellery, has since grown into a serious political operation, recruiting and supporting reform candidates and targeting establishment ones. (News Corporation, which owns the parent company of the Wall Street Journal, where I work, is a donor to StudentsFirst.)
Rhee spends the latter third of her book setting out her political vision. It is in this section that her effort to match the square peg of her no-nonsense reforms to the round hole of leftist education politics creates an unworkable jam. "I am a Democrat and I support unions," she declares at one point. Rhee calls herself "a political agnostic on matters of public education" and chastises conservatives for allegedly fetishizing free-market ideas. These attempts at evenhandedness are unpersuasive, since on most substantive issues—including school vouchers—Rhee ultimately sides with conservatives. She'd do well to leave the fences unmended and the feathers ruffled. It's a piddling price to pay for the improved education of American children.


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Wednesday, April 17, 2013
The Kickin' Chicken announced its fifth annual Month of Giving celebration. From April 15 to May 15, each of the five area Kickin' Chicken restaurants donate 10 percent of sales every Thursday to a different neighboring non-profit organization; that is 20 local non-profits in total. A schedule of benefiting organizations by date and location are listed below.
"We are committed to our customers and community and we feel that we can not only raise much-needed funds for these organizations, but we can help educate our guests and staff about the important work these organizations do," co-founder Chip Roberts said. "It's a fun way to include our staff and guests in giving back to our community."
Thursday, April 18
Downtown: My Sister's House
James Island: Make a Wish Foundation of South Carolina
Mount Pleasant: East Cooper Community Outreach
West Ashley: Jenkins Orphanage
Summerville: Palmetto House
Thursday, April 25
Downtown: Wings for Kids
James Island: Susan G. Comen Race for the Cure
Mount Pleasant: Windwood Family Services
West Ashley: Yes Carolina
Summerville: Dorchester Children's Center
Thursday, May 2
Downtown: Crisis Ministries
James Island: Charleston Area Therapeutic Riding
Mount Pleasant: Children's Museum of the Lowcountry
West Ashley: Dee Norton Lowcountry Children's Center
Summerville: Meals on Wheels of Summerville
Thursday, May 9
Downtown: Florence Crittenton
James Island: Our Lady of Mercy Community Outreach
Mount Pleasant: East Cooper Meals on Wheels
West Ashley: Carolina Children's Charity
Summerville: Carolina Youth Development Center
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Before we witness Beyoncé slay the 49ers and Ravens at their own football game, let's revisit those performances over the years that never really made it passed the line of scrimmage at halftime.
When all the eyes of the world were watching, these were the five acts who caved under the pressure. If putting on an underwhelming concert was their field goal, then let's just consider these touchdowns.
1. Black Eyed Peas in 2011 – Take a band that people barely even like listening to in a schizophrenic SoulCycle class and then put them on the most watched 12-minutes in sports television. It's an idea that reads exactly like it sounds, but now take away the auto tune and let Fergie sing "Sweet Child O Mine." It looked and sounded like the inside of a Game Boy while falling down 15 flights of stairs. It was so impressively bad, I can confidently say that never has the world been more happy to see Usher make a guest appearance ever.
2. New Kids on the Block and Disney in 1991 – Proof that boy bands and a Super Bowl don't mix. It's hard to believe pre-Michael Jackson that Super Bowl Halftime Concerts were ALLOWED to look like this. Now it's like, if you tell the Super Bowl organizers you don't plan to have at least two people dancing on fire, they're like, get out of here. And we're better off for it. Evidence: This unfortunate performance of New Kids on the Block singing in front of a replica of Disneyland's "It's a Small World" ride. The only watchable part is near the end when the boy band sings a heartfelt ballad on the stage steps and none of the children of the world want to sit with Donnie because LOL.
3. *NSYNC, Britney Spears, and Aerosmith in 2001 – Further proof that boy bands and a Super Bowl don't mix. If you ever wanted to know what it sounded like to listen to all of your scratched middle school CDs and all your parents' cassette tapes at the same time, this is the result. A mess.
4. Enrique Iglesias, Christina Aguilera, and Disney in 2000 – This time the Super Bowl thought it was a Chinese Olympics Opening Ceremony, except it was sooooo boring. From the heavy-handed feel-good message to the ridiculous air dancers you only see outside car dealerships, this really felt like that high school assembly all of us have slept through. Currently, only a 1:55 clip of it exists on YouTube, because 2 whole minutes is guaranteed to induce a coma.
5. Janet Jackson and Justin Timberlake in 2004 – This, in and of itself, isn't actually anywhere near the worst Super Bowl Halftime performances of all time. But the repercussions of that notorious "wardrobe malfunction" is something we all had to pay for nearly a decade later. Ever since J.T. sang "Gonna have you naked by the end of this song" and made it literally so in one fell swoop, so fell the possibility of ever having a Top 40 act on the horizon in the future. Scared from ever inviting a contemporary act back into the mix for what seemed like ever again, we were assaulted with classic older bands for years with no semblance of edge. Only recently, did the Super Bowl budge a little and invite the Black Eyed Peas in 2011, but we all know how that went (see #1 on this list) and now we're stuck in an endless black hole of awful Super Bowl Halftime performances.


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Textile Society features tapestry programs
Posted on Sep 27 2010 | Filed under: Tapestry Center News
The 12th Biennial Symposium of the Textile Society of American will be held on October 5-9, 2010, in Lincoln, Nebraska. There is a program and schedule at this link. Highlights regarding tapestry studies include:
Thursday, Oct. 7, 1:30 - 3:15 PM
Session 3 Negotiating the Handmade in a Cyber World—Arbor I (organized session)
Mary Lane, chair and discussant
> [...]


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Hold down Control (PC) or Command (Mac) key + mouseclick to select more than one option
|Avg. Dinner Entrée
|Greater than $25
|$18.01 - $25
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|$7.01 - $12
|Less than $7
Posted by alexis on 06/21/2007
So I am not the only one to think good food alone won't make a restaurant. I think Beyoglu survives despite the poor service not just by waiters also the management; they are very rude. If their location was not supurb (surrounded by Upper East siders who don't like to cook) they would be out of business by now. I have been boycotting them for a long time and using the word-of-mouth to change their attitude to no avail.
Posted by newbie on 06/15/2007
Moved my daughter into an apartment in the 90s, had to wait hours for the movers to get around the PRDay parade. We were tired and hungry and used the streetwalker's zagat formula and went here because it was the only crowded restaurant. Had great salads and chicken and shrimp, attentive service, sat outside where we wanted. Baclava to die for and the check came to 2/3 of what we pay in Philly for not as good a place. Will go back again soon.
Posted by Anonymous on 05/20/2007
After reading many of the reviews about this restaurant, we decided there were enough good reasons to give this place a chance. We were all glad we did. The service was perfect! The food was delicious (and yes...try the hummus and the "pita" bread). My one piece of advice for anyone going here might be to try and go early before they get busy. We went at 6:30 on a Saturday night (and made reservations). My one piece of advice for the restaurant might be to add about 4 inches to each side of the table so that when plates accumulate it isn't quite so crowded.
Posted by Anonymous on 05/08/2007
Great food at reasonable price. However, they dont seem to be friendly to families so if you have kids, dont go there. No strollers are allowed inside the place and they are not happy to accomodate you at all....you get the ugly looks even if your child is in his/her best behavior! I would say that the service is poor and that is a shame because the food is actually great.
Posted by Eat Drink Be Merry on 04/09/2007
Beyoglu has become "our kitchen" since we live in the neighborhood and can pop in a few times a week to share their small delicious plates --- hummos, shepard's salad, sardines, spinach. The grilled chicken and fish is excellent. We are never disappointed by either the food or the service, which may not be overly friendly but it is professional ---they get the job done.
Posted by East Side Diner on 03/27/2007
I love the food here, but find it noisy and drafty - hard to hear our conversations. Also, very cold and impersonal service.
Posted by FoodConnoisseur on 02/27/2007
A firiend of my girlfriend's recommended this place to us. What a great place for a reasonable dinner. The Turkish food was delicious but the service was a bit slow.


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This is a safe place where teens in diapers can come together and share their unique challenges with their peers.
Have you ever wondered about other incontinent and bedwetting teens? How do they cope with it?
Well here's your chance to find out. By sharing your story you will inspire others to do the same. Together we can all learn from each other and how to live with this better.
Share things like how old you are, what kind of incontinence you suffer from and what your favorite teen diapers are. Do your friends know?
How do you deal with your incontinence problems at school? How do you handle your problems at sleepovers?
What medicines, methods and products have you tried to get your issues to stop?
Have you had to miss out on fun times due to your condition? This is a good place to vent and tell your story.
Whatever you feel is appropriate and will help others to manage their problems we invite you to come on in and share them!
It has always been extremely relieving to know there are others out there who share the same problems.
Sometimes knowing how others handle their issues can help us learn to handle our own. Not only that it can be quite inspiring.
To hear the trials and tribulations of others sometimes helps us to realize that we don't have it so bad. It can inspire courage and resolution to not let our conditions control our lives.
So add your story today. Help inspire some other teens in diapers out there to see that learning to live with needing to wear incontinence products isn't that bad after all.
Its just a matter of attitude.
Note: This submission page will be moderated. We will only accept submissions that either ask for help or help others in some way. Any inappropriate material will not be accepted.
Are you a teen who needs help with incontinence issues?
Are you a diapered teen who has knowledge and experience?
Only the teens of today know what the teens of today need to hear. Share your advice and tips here!
Click below to see contributions from other visitors to this page...
My 11 years of experince in incontinence
For a long time now I have sufferred with incontinence and needing to wear adult diapers because of the consequences that come with it. Ever since …
My Boyfriend Found Out
Hey you guys. It's me again, Hannah. I wrote "why I have to wear them". To remind you, I'm 16. So it was about a year ago when my condition was bad. …
Why I Need To Wear Them.
I'm 16. I've noticed that when I'm on my period is usually when I would need to wear an incontinence pad. The doctor says it's something with my bowels. …
I don't need to wear protection but I do because one of my friends does. He feels better knowing that I wear too. Because of social stigmas and the …
Tell to a Friend
A friend don't tell anyone your problem and this can make you feel so confortable.
Van's Story
I'm a full time bedwetter and oftern have wetting accidents in the day. My mom puts me in a Tranquility ATN at night and in the day, most of the time, …
Find Friends Who Accept You For Who You Are
So I have been wearing for a couple of years now. I am 15 and I actually one time got caught. I was so ashamed I was made fun of for 2 weeks or so …
Diapers and Teasing
As a kid I wet my pants a lot and I was teased all the time in school. I was called names all the time. Now I am out of school and I still wet but now …
Enjoy Activities Despite Bedwetting
I am a 14 year old boy (9th grader)with primary enuresis, no problem of day wetting. Untill 12, I didn't experienced any dry nites at all. I still …
At first diapers were forced, but I quickly learned that a dry bed was better than waking up in a soaked bed. Also, I immediately learned to handle …
naum é ruin
sou karina tenho 22 anos uso fraldas para dormir desde os meus 18 naum e ruin voce se acostuma com o tempo, eu uso e recomendo
How do I tell my Mom?
My mom found some diapers I had used because in the middle of the night I would pee myself and sometimes poop. I had gotten myself some but didn't …
A Tip For Crinkly Plastic Pants Not rated yet
I am 15 and a girl bedwetter. I wear a thick cloth diaper and adult size plastic pants to bed every night. My plastic pants fit me lousy and crinkle …
Be Positive and Keep Your Chin Up Not rated yet
I have had to wear diapers all my life. I have never been out of them. I have damaged nerves and I have a deformed bladder. I also have one deformed kidney …
Drying plastic pants in the drier Not rated yet
I am a 16 year old girl and I wear cloth diapers and plastic pants to bed every night. Along the way I've picked up a few tips and tricks I'd like to …
Try It Not rated yet
Started wearing diapers overnight "again" at age 13. While diapers are not fun the nights and mornings are great. Everything became so much easier. …
Living An Everyday Life Not rated yet
Even though I wear diapers day and night I'm still living a very normal life at school and at home. Only a few people now that I wear diapers at all …
Diapered in High School Not rated yet
I just want to share my story even though I am not a teenager and well into my adult life... Teens today that have incontinence issues have so much …
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text:
Dream Villa Tagoro 4*
Superior Room
Our Superior rooms are located on the top floor and have been recently renovated. These are undoubtedly the best rooms at the Dream Villa Tagoro 4*.
There is a double bedroom, a living room with sofa bed, microwave, kettle and large equipped terrace area. In the bathroom, spacious and independent, you can enjoy a hydrobath or jacuzzi, hairdryer and toiletries included.
All offer satellite TV, air conditioning, kettle, safe, Free Wifi, refrigerator and 24-hour reception. Everything you need to enjoy a wonderful family holiday.


text:
Guns, Germs And Steel: A Short History Of Everbody For The Last 13000 Years[Paperback]
(114 ratings)
- Format:
- Paperback
- Pages:
- 480
- Publisher:
- Vintage
- Publication Date:
- 25 April 1998
- Category:
- History: Specific Events & Topics
- 9780099302780
Showing 1-4 out of 130 reviews. Previous | Next
This book literally changed everything for me.
Extremelly worthwhile book that I haven't yet managed to finish, though I must say I think I got through the best stuff and Diamond was beginning to repeat himself. This is the explanation I've always searched for about why the "first world" countries have always done so well in nearly ever regard compared with sedond and third world countries, the Middle East, Latin America, etc. Reasons go back to the beginning of humanity and make plain and simple sense.
In Guns, Germs and Steel Jared Diamond displays an amazing ability to explain the big picture of the rise of human civilizations. He believes history should be a science, and, using his own scientific expertise in evolutionary biology and ecology he answers his New Guinean friend's question "Why does your society have so much cargo and mine doesn't" He comes to the conclusion that the attributes that allow some civilizations to prosper more rapidly than others are: a predominant east-west vs north-south axis, the prevalence of domestic-able animals, the development of a chieftain type political system, an accepting rather than conservative attitude toward novelty, and the presence of individuals able to innovate. Eurasia's predominant east-west axis and domestic-able animals allowed for the development and dissemination of crops, language, and mechanical invention. Africa and the Americas with their predominant north-south axis and lack of domestic-able animals were comparatively slow to develop and disseminate crops because of the presence of large ecological barriers. One would think that Africa at least would have the advantage of numerous animals, but for animals to be domesticated they have to have steady temperaments, low fright thresholds and be herd animals. Africa was sadly lacking in just such animals. Diamond states that a tribe of Africans could have conquered the world riding on rhinoceroses, but the rhinoceros, alas, lacks the temperament to become pack animals. The east-west axis of Eurasia allowed for crops to be grown along the same latitude for thousands of miles so that they were easily improved and disseminated. Increased crops lead to increased population size which lead to increased specialization which lead to increased political activity which lead to the ability to expand the barriers of the state and conquer other states. This is why Europe with its nautical technology and Russian horses was able to conquer the Americas, which had a slower spread of food production and few domestic-able animals: alpacas and llamas, which were not used for either riding, pulling or milk production, dogs and guinea pigs. One interesting fact was that the wheel was invented in Mexico independently of its invention in Eurasia; however, since there were no draft animals, it was used only on toys, not as a part of a method for human transport.Another benefit of animal domestication was that it gave rise to diseases to which the people who lived with the animals could develop an immunity allowing them to conquer vulnerable people from other continents. Eurasian diseases did much of the work of decimating the peoples of the Americas. The Americans, on the other hand, with their paucity of animals had few diseases to repel their conquerors.In discussing the ability to adapt to novelty, Diamond tells of a tribal man who was illiterate and lead a stone age existence, but, seeing immigrants use of coffee developed coffee production for himself, eventually buying new facilities and a fleet of trucks with $100,00 in cash. Meanwhile, another tribe near him seemed immune to novelty so was being pushed aside by those willing to change. The rise of specialization lead to the rise of politics as tribes became chiefdoms which then became states. Political maneuvering allowed for the rise of a kleptocracy which took money from the people for the use of their leaders. Specialization and politics also gave rise to religious kleptocracies which promoted devotion to the state allowing for increased political maneuvering and warfare.In general increased political cohesiveness allowed for greater development and expansion; however at a point where a whole continent, China, comes under one rule development stops and even goes backward. Ship building and the ability to lead expeditions for conquering other continents, clock making, steam engines and a Chinese industrial revolution were all curtailed by a government that could turn a whole continent on the whims of a few rulers. Europe, because of its resistance to unity and its many states promoted discovery and invention.There was a large section on linguistics which, alas, I just kind of breezed over because of lack of interest. However, it seemed to reinforce Diamond's ideas of the growth of culture. One tidbit from it was that Sequoia, a Native American, when confronted by the European's ability to write down their language developed a method of writing down his own. One man developed a written language. Because of his facility with many different areas of knowledge Diamond encourages those following him to explore history not as just one damn fact after another but as means for scientific discovery of the development of humanity.
Possibly the most interesting book I've read in the last 10 years. The author presents the idea that western culture (particularly Europeans, as opposed to indigenous Australians, Americans, Africans) are dominant in the World today only because they (the Europeans) originated in an area of the world that was rich in animal and plant recources (that could be utilized via domestication), and was geographically in an area where ideas like domestication, writing, town and city life and state building could be easily spread and picked up by neighbours of the region.
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No reviews here.
Also by Jared M. Diamond
The Rise And Fall Of The Third Chimpanzee
The Birds Of Northern Melanesia


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Khoa, Le Van
Le Van Khoa Vietnam Photograph Collection, Undated.
Call no.: MS 170
The collection consists of seven photographs of Vietnam taken by Le Van Khoa.
- Vietnam--Photographs
- Khoa, Le Van
The collection consists of seven photographs of Vietnam taken by Le Van Khoa.
Washington based photojournalist John Spragens, Jr. lived in Asia for more than seven years. He spent a total of three years in Vietnam between 1966 and 1974, and traveled in several other countries in Southeast Asia., including Cambodia.
Spragens' photographs document Cambodia under the rule of the Communist-Vietnamese dominated government that came to power in January 1979, after the defeat of Pol Pot's Khmer Rouge by the Vietnamese army.
With a life long interest in politics, John G. Clark of Easthampton, Massachusetts worked on a number of campaigns before running for office himself. He ran for state senator in 1958, but lost in the Democratic primary. Two years later he ran again, this time for state representative of the 3rd Hampshire District, and won. Clark served in the State House of Representative for eight years until he was appointed clerk of the district court in Northampton and chose not to run for reelection.
While this collection is small, it is packed with campaign materials, letters, position statements, speeches, and press releases that together offer a good sense of the political climate in Massachusetts during the 1960s, especially issues of local concern for Hampshire County. Four letters from a young neighbor written while serving in Vietnam provide a personal account of the war.
Massachusetts State Senator for the Berkshire District, 1950-1958, and representative for Massachusetts's First District in the United States Congress for 17 terms, 1959-1991, where he made significant contributions in the areas of health and human services, the environment, education, energy, transportation, and small business.
Spanning four decades and eight presidents, the papers offer an extraordinary perspective on the major social, economic, and cultural changes experienced by the American people. Includes correspondence, speeches, press releases, bill files, his voting record, committee files, scrapbooks, travel files, audio-visual materials and over 5,000 photographs and slides.
In 1960, William K. Hefner (1915-1993) became one of the first of new breed of radical pacifists to run for elective office, when he ran as a peace candidate for Congress in the 1st district of Massachusetts. An accountant from Greenfield, Hefner was involved at a national level with movements for peace and civil rights. An early member of SANE, a founder of Political Action for Peace in 1959 (now CPPAX) and the Greenfield Peace Center (1963), and an active member of the American Friends Service Committee, War Resisters League, Turn Toward Peace, and the World Without War Conference, Hefner was an energetic force in the movements for peace and disarmament, civil rights, and a more just economic system. He ran unsuccessfully for office in three elections between 1960 and 1964, and supported peace candidate H. Stuart Hughes in his bid for election to the U.S. Senate in 1962.
The Hefner papers offer a remarkable record of politically-engaged activism for peace and social justice in the early 1960s. With an intensely local focus, Hefner was tied in to the larger movements at the state and national level, corresponding with major figures such as A.J. Muste, Bayard Rustin, Benjamin Spock, and Arthur Springer. The collection includes particularly rich documentation of the early years of Political Action for Peace, which Hefner helped found, with correspondence, minutes of meetings, and publications, as well as equally rich materials on Hefner's bids for congress in 1960 and 1962.
Following the Japanese invasion of China in 1937, the New Zealand expatriate Rewi Alley threw his considerable talents behind the war effort. Building upon knowledge acquired over a decade of living in China, Alley helped organize the Chinese Industrial Cooperative Movement (CIC). The CIC coordinated the creation of industrial cooperatives throughout unoccupied China to keep industrial production flowing, and it sponsored a series of industrial schools named after Alley's friend Joseph Bailie to provide training and support.
The Indusco Bailie School Collection includes documents and photographs relating to the establishment and operation of the Bailie Schools in China during and immediately after the Second World War. Probably associated with the Indusco offices in New York City, these documents include a model constitution for industrial cooperatives, typewritten reports on Bailie Schools, and published articles describing the schools' efforts. The reports extend through 1949, and include three mimeographed newsletters from the Shantan Bailie School for the months immediately following the school's liberation by Communist forces. Also included are printed works by Alley and eighteen photographs taken between 1942 and 1944 of students and scenes at Bailie Schools.
A veteran of the peace movement and founder of the Traprock Peace Center (1979), Randy Kehler was active in the National Nuclear Weapons Freeze Campaign, the Peace Development Fund, and the Working Group on Electoral Democracy. Beginning in 1977, he and his wife became war tax resisters, withholding federal income tax to protest U.S. military expenditures, donating it instead to charity. As a consequence, their home was seized by the IRS in 1989, setting up a protracted legal struggle that resulted in Kehler's arrest and imprisonment and the sale of the house. They remain tax resisters.
The Kehler Papers document the five year struggle (1989-1994) against the seizure and sale of the Kehlers' home by the IRS. The collection includes meeting minutes, notes, correspondence, newspaper clippings; letters to the editor, essays, articles, plans and strategy documents for the vigil set outside the Kehler home; support committee information and actions; correspondence with government officials, the IRS, and the Justice Department; letters of support; documents from the legal proceedings; and political literature addressing the Kehlers' situation.
In 1967, Marshall Bloom and Raymond Mungo, former editors of the student newspapers of Amherst College and Boston University, were fired from the United States Student Press Association for their radical views. In response they collaborated with colleagues and friends to found the Liberation News Service, an alternative news agency aimed at providing inexpensive images and text reflecting a countercultural outlook. From its office in Washington, D.C., LNS issued twice-weekly packets containing news articles, opinion pieces, and photographs reflecting a radical perspective on the war in Vietnam, national liberation struggles abroad, American politics, and the cultural revolution. At its height, the Service had hundreds of subscribers, spanning the gamut of college newspapers and the underground and alternative press. Its readership was estimated to be in the millions.
Two months after moving to New York City in June 1968, the LNS split into two factions. The more traditional Marxist activists remained in New York, while Bloom and Mungo, espousing a broader cultural view, settled on farms in western Massachusetts and southern Vermont. The story of LNS, as well as of the split, is told in Mungo's 1970 classic book Famous Long Ago. By 1969 Bloom's LNS farm, though still holding the organization's original press, had begun its long life as a farm commune in Montague, Mass. Montague (whose own story is told in Steve Diamond's What the Trees Said) survived in its original form under a number of resident groups until its recent sale to another non-profit organization. Mungo's Packer Corners Farm, near Brattleboro, the model for his well-known book, Total Loss Farm, survives today under the guidance of some of its own original founders.
The LNS Records include a relatively complete run of LNS packets 1-120 (1967-1968), along with business records, miscellaneous correspondence, some artwork, and printing artifacts, including the LNS addressograph.
Reflective, critical, and radical, Carl Oglesby was an eloquent voice of the New Left during the 1960s and 1970s. A native of Ohio, Oglesby was working in the defense industry in Ann Arbor, Michigan, in 1964 when he became radicalized by what he saw transpiring in Vietnam. Through his contacts with the Students for a Democratic Society, he was drawn into the nascent antiwar movement, and thanks to his formidable skills as a speaker and writer, rose rapidly to prominence. Elected president of the SDS in 1965, he spent several years traveling nationally and internationally advocating for a variety of political and social causes.
In 1972, Oglesby helped co-found the Assassination Information Bureau which ultimately helped prod the U.S. Congress to reopen the investigation of the assassination of John F. Kennedy. A prolific writer and editor, his major works include Containment and Change (1967), The New Left Reader (1969), The Yankee and Cowboy War (1976), and The JFK Assassination: The Facts and the Theories (1992). The Oglesby Papers include research files, correspondence, published and unpublished writing, with the weight of the collection falling largely on the period after 1975.
Born in the coal mining town of Blossburg, Pa., in 1913, Laura Ross (nee Kaplowitz) grew up in poverty as one of seven children of Lithuanian immigrants. In about 1932, Ross married Harry Naddell, a wine merchant, and settled into a comfortable life Brooklyn, N.Y., raising a son and daughter. During the Second World War, however, she became intensely politicized through her work with Russian War Relief, joining the Communist Party and eventually divorcing her les radical husband. Moving to the Boston area, she married Max Ross in 1963, an attorney for the Massachusetts Bay Transportation Authority, and became a noted presence in a wide range of political activities, working for civil rights, the antiwar movement, and for many years, helping to run the Center for Marxist Education in Central Square , Cambridge. Perhaps most notably, between 1974 and 1984, Ross ran for Congress three times on the Communist Party ticket, taking on the powerful incumbent Tip O'Neill and winning almost a quarter of the vote. An activist to the end, Ross died in Cambridge on August 5, 2007.
The Ross papers are the legacy of a highly visible activist, organizer, educator, and member of the Communist Party USA. Heavily concentrated in the period 1967-1990, the collection includes material relating to her affiliation with CPUSA and her work with the Center for Marxist Education in Cambridge, Mass., including information on party membership, platforms, and conventions, minutes from various district committee meetings, material relating to the People's Daily World, and course information and syllabi. Scattered throughout the collection are materials pertaining to contemporary political issues and elections, particularly the policies associated with Ronald Reagan. Ross was a vocal and persistent opponent of Reaganomics and the nuclear arms race that Reagan accelerated.


text: Is it normal behavior for a properly set up vpn connection to *not* be able to ping/connect from one vpn box to the opposite box's internal network? I can ping and connect seamlessly between hosts on both networks, but not from one firewall/vpn to the other's network. vpn's config'd per man page and non-vpn traffic works fine. -- Neuronet OpenBSD 3.3 i386


text:
Top Definition
The outlines of tighty whities through a mans even tighter pants.
Awwww, sweet Jesus, I can see Jeff's Manty Lines!
by Angry Token Office Guy September 29, 2006
2 more definitions
when a guy's pants are so tight you can see his underwear lines.
I got a face full of manty lines today as I was walking up the crowded subway steps.
by Stephanie Ellis September 11, 2005
a man who's tighty whities are so tight that the lines are visible through his sweats; pantylines for men.
girl 1: i saw your crush last night!!
girl 2: OMG how did he look??
girl 1: i mean he had mantylines soo...
girl 2: OMG how did he look??
girl 1: i mean he had mantylines soo...
by swichee November 14, 2011


text: Sam & Max: The Devil's Playhouse: Episode 1, The Penal Zone kicks off the third season in one of the best examples of episodic content to hit the market to date. This time, Sam & his "hyperkinetic rabbity thing" of a partner will find themselves in five stranger-than-normal adventures that involves, scarily enough, Max getting psychic powers. 90/100


text:
Want to read the Congressional Budget Office Budget and Economic Outlook yourself? (in PDF format) Click here.
Follow Rep. Flores on Twitter - @RepBillFlores
Representative Bill Flores says a recent Congressional Budget Office report doesn't bode well for the future of the U.S. economy. Flores joined Brazos Valley This Morning by phone Wednesday to talk about the economy, party conventions and a little Texas A&M football.
The Congressional Budget Office (CBO) released an update to the Budget and Economic Outlook for FY2012 through FY2022. The update shows that based on our nation's current path, which includes the pending tax increases and sequester cuts, the U.S. economy will be forced into another recession and the unemployment rate would rise above 9% in 2013.
See Rep. Flores' entire interview with BVTM in the video player above.
Flores said he and his House colleagues are trying to pass laws to that realize where growth comes from; Main Street and the private sector.
The U.S. National Debt broke the $16 trillion mark Tuesday. It roughly breaks down to $51,000 for every man, woman and child in the country. Flores said there are two views on fixing the spending situation. He noticed that the democrats at their convention Tuesday night mentioned government solutions. Flores said the House is working on private sector and main street solutions.
"We need to tackle this debt by putting people back to work," said Flores.
Rep. Flores was in Tampa for the Republican National Convention. He got the impression from delegates he talked to that there is a "dark cloud" over the country.
"It's frustrating that we continue to face these economic headwinds, because the headwinds are coming out of Washington," said Flores.
Flores also took a moment to talk about the upcoming Texas A&M football game on September 8th. He was optimistic about the Aggies SEC opener, saying the Maroon and White would win 7-6. It's important to note that Congressman Flores graduated from Texas A&M in 1976.
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text:
A Sense for Money
A number of our readers have asked how to get reliable financial advice when buying insurance or investment products. This week's post gives some insights into this topic by providing an overview of the various types of advisers that operate in the financial services sector, their key characteristics and how they are incentivized.
Insurance agents are required to pass an examination before being granted a license to sell. You can therefore rest assured that licensed agents have had some formal training. The key characteristic of buying insurance from an agent is that the agent is only allowed to sell the products of one insurance company. This ensures that an agent will have a good understanding of his company's products. The limitation is that he cannot offer you the product of another company, even if the other company's product is better, cheaper or more suited to your needs.
Now, dozens of insurers operate in the market, with hundreds of different products. If you are wedded to one particular agent then you are also wedded to one particular insurance company. This may not be a bad thing if it is a quality insurer, but you should always remember that even the best companies can have some excellent products and some rather average products. Moreover, your agent may not even be aware of the products offered by other insurers so you could end up losing out on a good deal offered by another company.
Brokers are also required to be officially licensed although they operate on a very different basis from agents in that they are able to offer the products of any insurer. A good broker should therefore take time to understand your needs and will then survey several companies in the market to find which particular product best meets your individual needs.
Many bank employees are allowed to sell insurance products, including simple protection products that are linked with savings accounts, and products that provide you with life and health protection when you take out a mortgage or a car loan.
There are also telemarketing staff who will call you from time either to try to sell you simple protection or savings products or to try to set up a face to face meeting with a financial adviser. Such staff are also often licensed agents who have sat the examinations and who represent a specific insurance company.
If you are approached by an adviser, or indeed if you approach them, one of the first things you need to do is to understand what type of adviser they are. Are they an agent who can only sell you the products of one company, or are they a broker who can offer the products of many companies? Another thing to establish is what type of license they have and their qualifications? Do they have an up-to-date license which entitles them to be selling the products they are promoting? Only when you have established these parts of the jigsaw can you start to put their advice into perspective.
It is also important to understand how advisers are motivated and incentivized. As a general rule, an adviser might expect to earn:
• For a lump sum investment policy: 3 percent of the premium paid by the insured.
• For a regular premium policy: 30 percent of the first year's premium and 3 percent of future premiums
If you plan to invest US $10,000 per annum, for example, the adviser will get US $3,000 when you take out the policy and US $300 in subsequent years, while he would only get US $300 if you invest a lump sum of US $10,000. These levels of commission are substantial, and very often consumers are surprised at their magnitude. The numbers quoted in the example show why it is that many advisers like to steer customers toward large regular premium policies. These commissions apply to all sales adviser channels and so clearly need to be paid for out of your premiums.
One of the consequences of the high "front end" commissions on regular premium policies is that if you cash in a policy in the first year or so, you will lose most, if not all, of the premiums you have paid. Of course, the above numbers are an example only and commission rates vary between products and companies. Very often the commission will be shared between the various parties in the chain: between the bank and the bank sales person, or between the agent and the agency manager.
The point, however, is that whoever your adviser, you need to be comfortable that they are recommending a policy because it is best for you, rather than because it pays the highest commission rate. A good way of probing this is to ask the adviser directly how much commission is payable on the product being recommended and how this compares with commissions payable on alternative products.
Don't be embarrassed to ask such questions. After all, advisers will often ask you some very personal questions about your financial, family and health situation. In fact, in some countries, commission disclosure is compulsory, so every customer sees explicitly and in writing the commission that is payable on the sale of a policy.
Next week's post will continue this topic and give some more tips on which type of adviser may be best for your particular situation.
For more handy financial tips, follow A Sense for Money on Twitter @senseformoney.
Watch Insight Indonesia interview with
Sense For Money here.


text:
Updated on
July 27, 2010,
E.W. asks from Jackson, NJ on July 26, 2010
Friend Lost Her Husband
A very good friend of mine lost her husband a little over a year ago (to cancer at 26 yrs old). They have a 3 yr old son (2 at the time of his death). She and I became friends a few months after her husband died. She never brought up his illness or how she felt about everything much, nor did I ask, because I didn't want to make her uncomfortable. Well, we have become very close and our boys are best of friends. Recently she has opened up about it more. She is having a really hard time, since the 1 yr anniversary just passed, as did her son's b-day, and father's day wasn't too long ago either. I feel horrible for her and my heart breaks for her every time I think about it. I suggested she go talk to some one, which she has, but doesn't find it very helpful. I don't know what to do to help, or make her feel better. She told me its in her head all day everyday. That she has happy moments, but the second she stops to think for a second, its there again. I guess I am just looking for any advice or experiences you may have with some one loosing a husband/father to child that is close to you. She keeps things in alot, so I feel special that I am able to be the friend she confides in. But I don't know what to say or how to help.
More Answers
R.A. answers from Dallas on July 26, 2010
Oh my...First and foremost this story breaks my heart!!! I was 21 when my mom died of cancer. It was the worst thing in the world I had to go through. My best advice to you is to be there. She is now starting to trust you and starting to let you in. Just be there for her and listen. Remember the holidays, anniversary of the death, fathers day and any other important day. Send her a card and let her know she isn't alone in the grieving process. Let her know she has a friend and that she can call you anytime. As she communicates with you...ask questions. Ask her how she met him or things they liked to do. It will help her heal if she can remember the good and remember the wonderful parts of their relationship. Plus it will show her that care enough to ask questions. It always made me uncomfortable b/c I wanted to talk about my mom and some people would clam up and ignore what I said. That made it worse. My husband lost his dad a few years ago and he said the thing that helped him the most was when he was having a moment I would tell him that your dad loved you so much. He is with us and watching over our kids. I also would ask questions...I would say tell me a story about your dad so I can get to know him better. I found that he would get caught in the moment and be laughing remembering a very great memory. You can't take the pain away but by being a great friend you can sure make it a little easier. I wish you and your friend the best of luck!!!!
3 moms found this helpful
J.G. answers from Cincinnati on July 26, 2010
This is so horrible, my heart goes out to her. I think that all you can do is be there for her. You can't make her feel better, you can just make her feel like she has someone. If there was a way to make things like that better, someone would be very rich off of it. We can't take the pain away, but we can make it a LITTLE more bearable.
2 moms found this helpful
R.R. answers from Dallas on July 27, 2010
Two things strike me about your post. One is that she is talking to you about it. That is a huge step in the healing process. Let her talk. Ask her questions. It helps her to talk, so draw her out a little each time.
The second is the comment about it being in her head. My daughter collapsed in front of me with a heart attack at age 16. Once we went through all the medical horrors (including a heart transplant) - and things went back to "normal" - I couldn't get those seconds out of my head. I kept "seeing" her fall in my head. Like a movie clip in my head, over and over. I would cry every time I saw a helicopter, too. And I'm not an emotional type person. I finally went to the doctor because it was making my life difficult. The doctor said "oh, R., you have PTSD". He put me on anti-depressants for about 6 months and they helped SO TREMENDOUSLY.
The other thing that helped me process the whole thing was writing about it. I wrote the whole story, beginning to end. It was very cleansing and healing to type it out. Perhaps that would help her? She could write it out to share with the son down the road when he wants to know about his father.
Bless her heart, and bless you for wanting to help!
1 mom found this helpful
C.S. answers from Las Vegas on July 26, 2010
It may be a bit hard on you, but just listen.
1 mom found this helpful
L.A. answers from Austin on July 26, 2010
Is there hospice in your city? They have lots of grief groups. They have them for young spouses.
Just because the therapist she is working with right now is not helping, does not mean a different one or a group setting would not help. She should seek out some professional to help guide her and confirm that all that she is feeling is very normal.
It is also very normal that all of these 'firsts" are the most difficult. I too have a friend that is about to hit the 1 year mark on the unexpected death of her husband, they have 2 girls and just last night and again tonight she asked that everybody pray for them and keep them in their thoughts. This week has been incredibly difficult for her and the girls, but she is realizing, they are going to be ok.
The best thing you can do is listen to her and be there for her. Let her have any emotions she needs to have and just reasure her, you are there for her.
She will have to heal her own heart. SHe will have to figure out what she can cope with.
I have learned to ask for help. It has been very difficult, because I was raised to be the strong one. I also tell people " it is a gift to me, when they ask me to help them" and "I will honor them by asking them for help".
She is lucky to have you as a friend. I am sending you all peace.
1 mom found this helpful
S.M. answers from New York on July 26, 2010
Loosing anyone to cancer is terrible and the healing process takes a really long time. This happens because you are with the person until the person pass on, to see that person suffering and knowing that it for them, leaves you really depressed. I lost my aunt who was like my mother to cancer and was so shaken by this I was in shock and had to go on anti depressants. That was six years ago and I am still having problems dealing with the nature of her death. Two years ago I witnessed my brother-in - law. Everything came back to me. My husband still have problems. he always think about it. He is also so scared because he saw his brother lying on the bed knowing that he was going to die, he was 36 yrs old. She is very scared and will think about it for a very long time. she needs to be surrounded by people constantly, pray and she needs encouragement. She will get better but it will take time but she will always be scared. she will think of it everyday that is why she needs to be with some one. Everytime my husband takes his neice and nephew out both of us are always thinking about his brother and we start to cry. Maybe if she belongs to a church she will have faith and find some peace. Also voluntary work at is rewarding and you feel better. A friend sugggested this to me at my time of loss. My heart goes out to her and her little baby. I will pray for her. God bless her.
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125kHz RFID Code Verifier, Proximity Reader from GAO
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Spring brings a magic all its own. The flower bulbs planted last fall have begun to sprout and many are in full bloom. Younger trees are sprouting new shoots as the mature trees bud and grow stronger still. A few weeds have taken root and will ultimately threaten the beauty of the garden if not quickly removed.
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Summer Reading 2014 registration now open
Durham County Library will celebrate the start of Summer Reading 2014 with a kickoff at Northgate Mall on Saturday from 10 a.m. to 1 p.m. Dozens of performers and activities will be on tap, including Scrap Exchange, Paint Savvy, North Carolina Zoo, Museum of Natural Sciences, Durham Arts Council and other organizations.
Northgate Mall is at 1058 W. Club Blvd. The kickoff will take place both indoors and on the outdoor plaza between entrances 2 and 4. The event is free and open to the public.
This year's theme, "Fizz, Boom, Read!" provides opportunities for interactive performances and hands-on science and technology programs at the kickoff and throughout the season. Participants of all ages will find a wide range of activities available.
Summer Reading online registration for children, teens and adults is now open. The library is encouraging everyone to avoid the "long digital lines" by signing up for a summer of reading before the official start of the season.
Patrons can sign up at durhamcountylibrary.org, or in person at any library, but they won't be able to log reading minutes until the kickoff.
According to the State Library of North Carolina, the number of books students read during the summer is consistently related to academic gains. Children in every income group who read six or more books over the summer gained more in reading achievement than children who did not. The use of the public library during the summer is more predictive of vocabulary gains than attending summer school.
To help students make those gains, and to ensure no one misses out on the joys of a good book, Summer Reading encourages everyone to read throughout the season. Participants will track their reading online using a point system. Each minute read is worth one Summer Reading point, and points can be earned for participating in activities such as attending programs and writing book reviews. Up to 1,000 points can be redeemed at any time between June 14 and Aug. 9 for a variety of prizes.
A minimum of 600 points enters the reader into a drawing for this year's grand prizes, which include a Nabi Jr. Tablet and Chrome Book for children; a Kindle Fire and gift certificate for teens; and a tablet, theater tickets and restaurant gift certificates for adults.
Each location will host special events for all ages during a Midpoint Week Rally, July 7 to 13. Visit the library website or check out Summer Reading publications available at each location for details.
The Summer Reading Finale will be held at the Museum of Life and Science from 10 a.m. to 1 p.m. Aug. 9. More information about Summer Reading is available at durhamcountylibrary.org/summerreading.


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I'm looking for a job off the books to get some extra cash. I'm too fat to be an escort/stripper, and don't want to do lawns, so I'm wondering what advice the Shaggy community offers.
I'm looking for a job off the books to get some extra cash. I'm too fat to be an escort/stripper, and don't want to do lawns, so I'm wondering what advice the Shaggy community offers.
waiter or doing construction work
Last edited by EuroHorn; 06-02-2010 at 04:33 PM.
delivering pizza's...i worked for papa johns for a summer and would walk out each night with $40-60 in cash...
right now I am running free poker tournaments at a couple of locations in the fort worth area. Pays about $40-50 a night for about 5 hours of really easy work (get to play poker too)...plus my bar tab is comped...
Off the books. So far selling drugs and robbbing banks are in the lead.
Human Sign dude.
If you mowed lawns then you wouldn't be so fat and you could escort/strip.
cut lawns. i did it for years, 30 to 50 a pop, cold hard cash
But of course this comes with hard work, and we all know what today's youth thinks of hard work....
Last edited by UTEngr; 06-02-2010 at 06:51 PM.
my buddy was a cabbie for a while. basically the deal is you rent the cab by the day and pocked what you get.
They have those jobs down at the bank. Just show up with a pistol wearing a ski mask and you are in the money.
This is the correct answer. Ten years ago I averaged over $20/hr cash. $200 nights were not uncommon.Originally Posted by bigup2dahorns
how about pose as a valet parking guy and then sell the cars to a chop shop.
Hot Dog stand. You can make $300-400 a night if you can set up around some bars.
Bookie is a great deal. Not going to say how I know. "I had a friend", got a $12k settlement in late summer, used it for his backing money. Wife took the phone calls. Used the Dallas Morning News spreads (although I have a link that shows several spreads, and updates like every 5 or so minutes). Did have a problem one time with a Vietnamese guy saying "NO! NO! She misunderstand me! I bet other way!", so, added a simple, cheap phone recorder. Very little work. Very much caish! Only did it during football season though. Those little $3 football cards are gold too. BUT, the main point----- there is a person here locally (not me) who hosts high stakes poker games in his home. Not illegal in Texas, but there are strict rules as to what you can and cannot do. Rumor is, he gets a piece of every ante/pot (not legal), provides snacks, etc.(for a price, I am sure). THE LEGAL PART IS THAT YOU CANNOT GAIN FINANCIALLY, OTHER THAN WINNINGS. (wink)
Section 47.01 prepares the reader with definitions:
"Gambling place": any real estate where gambling is occuring, versus "Private place"
"Private Place": any real estate where gambling is occuring that is not open to the public
Section 47.02 has a partical definition of "gambling" as any act of playing and betting for money or any other item of value, a game of cards, dice, or other. For a valid defense, you need to prove that all the players were competing with equal odds, and that the gamling occured in private. Home poker games are legal in Texas as long as the game is in private, there is financial benfit except for money that is won, and all the players have equal odds of winning. There have been a couple of instances of raids on poker games in Texas but this is mainly due to the fact that there seems to be some really big underground games which are played at clubs. This shouldn't worry anyone hosting a casual game because the games that were busted were basically underground casinos making tons of money.
There's always money in the banana stand.
Can you tutor? I used to make decent cash during UT summer short sessions.
Yeah I can but there are $#@! tons of people doing that here. With all the idiots here, I don't know how a tutor could not be in demand.
Stoplight windshield washer?
But a word of advice before you start your new venture. DON'T START UNLESS I TELL YOU TO!
Street performer. depends on how fat you are, but I'd assume the fatter the better. Just play that "Milkshake" song and jiggle around on a corner somewhere...shirtless, of course.
I will send you a cashier's check for $1,000,000. All you have to do is deposit it in your bank, keep 10% as a processing fee and send me the rest to my vacation home in Lagos.
I drove a pedicab for 8 months once. Money was real nice, never worked summer though.
Chicks dig it.
Last edited by spankytoes; 06-05-2010 at 09:26 PM.
Bookie doesn't take much capital if you have someone to lay off your excess. Just remember, you're not gambling, they are. So lay off everything that's leaning to one side.
Home ..
Advertise ..
ShaggyShop ..
Football .. Basketball .. Baseball .. Other Sports .. RC Didn't Offer .. Gamboool
Varsity .. Hole in the Wall .. PCL .. Einstein's .. Nasty's .. GM Steakhouse .. NSAA
Bada Bing .. Can you help me with this? .. Shagslist .. Cloak Room .. Classics .. Bellmont


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CONCORD, N.C. (May 21, 2014) – For the second time this season, Roush Fenway Racing's (RFR) Ryan Reed has a special guest riding along with him during Saturday's NASCAR Nationwide Series (NNS) race at Charlotte Motor Speedway. The No. 16 American Diabetes Association Drive to Stop DiabetesSM presented by Lilly Diabetes Ford Mustang will carry Sam Faust's name. Sixteen-year-old Faust is a Youth Ambassador for the American Diabetes Association.
Faust was diagnosed with type 1 diabetes three years ago, at age 13. However, the now 16-year old, did not allow the diagnosis to derail his goals. Just two months after leaving the hospital, he competed in a United States Marine Corps mud run and outperformed several of the adults.
He did not stop with one mud run. To-date, the high school student has completed five mud runs, several triathlons, a half-marathon, and two distance bike races, where he finished first in his age division. Faust also prides himself on being the youngest finisher of the century ride for the past three years in the South Carolina Tour de Cure.
"It has been refreshing to work and ride with other people that are affected by diabetes," said Faust. "It just shows me that having diabetes doesn't make you who you are. When I'm working with the American Diabetes Association and the Drive to Stop Diabetes program, I feel like I have a family that understands me and helps me make it easier for others to understand about themselves what I've learned about myself."
The 'Riding with Ryan' program rolls into its second weekend at Charlotte Motor Speedway. The name of a Youth Ambassador will be featured on the No. 16 Ford Mustang at 11 races this season, coinciding with races where there is an activation space for Drive to Stop Diabetes.
Drive to Stop Diabetes will host an activation space in the fan midway at a total of 15 races during the 2014 season. The display area features the No. 16 Drive to Stop Diabetes racing simulator, diabetes awareness and educational materials, as well as various prizes.
"It's an honor to carry Sam's name on the No. 16 Mustang this weekend," Reed said. "Sam is a true testament that diabetes does not have to put your dreams on hold. We have a special patriotic paint scheme starting this weekend in Charlotte. I'm excited to represent Sam and the heroes of our military, and proud of the American Diabetes Association and Lilly Diabetes for honoring them too."
The NNS takes the green flag from Charlotte Motor Speedway on Saturday, May 24 at 2:45 p.m. ET on ABC and PRN


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[quote]ok still seems like its backwards to me but i guess if i did it a few times like you, I would actually know what im talking about. Thanks for setting me straight.
Maybe look at it this way...the idler is not really leaning itself..it is more like the idler and half the slit limb of the V is being pulled left or right by an over twisted yoke...tighening the other brings it straight on with the string...
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In parts of Alabama, in the rural and poor Black Belt counties, there are few options for schooling. There are no complications, no non-failing schools to flee to, no nearby suburban systems. There are just two options.
An almost entirely black public school labeled as failing.
And a mostly white, small Christian school.
So how will the new Alabama Accountability Act play out?
"Those kids who have good grades, yes, we're probably going to lose some of those kids," said Keith Stewart, superintendent of Bullock County Schools. "The student athletes, some of those the private schools are probably going to go after. But I don't see large numbers (leaving)."


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DGMA 8103 - Portfolio II, 3 Credits
Prerequisite(s): CIAT 7403 with C or better or DGMA 7403 with C or better
Level: Upper
This course will prepare students for the task of finding the next opportunity to advance their professional career be it graduate school, employment in industry, exhibition and/or freelance work. Study will include an overview of the rapidly changing and emerging opportunities for media artists. The students will develop a strategy to promote skills in an ever-changing field. Instruction will be given to develop a professional identity that is conveyed in the design of their portfolio. Current print and web design software will be utilized to produce a finished interactive electronic portfolio to accompany a published book detailing their work.


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Los Angeles: How to Make Basement Tavern's Stone Fruit Cocktails At Home
In Southern California, the farmers' markets are bursting with stone fruit. But after you've made a few peach cobblers, thrown some nectarines on the grill, and eaten plum after ripe, juicy plum, what's left? Stone fruit cocktails. Santa Monica's Basement Tavern at the Victorian has devoted this summer season to all things stone fruit, culled primarily from the market held Sundays in the bar's parking lot. Here's how to make these delicious drinks at home. More


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CDS on emerging market names adopted standardised coupons from September 21.
Coupons of 100bp and 500bp have been introduced initially, and additional coupons may follow for trading and for back-loading of historical trades into the DTCC's trade information warehouse.
Trades for emerging markets in central and eastern Europe, the Middle East, Africa and Latin America will also switch from semi-annual to quarterly payments and full first coupons.
Payments on trades booked before September 21 remain semi-annual, even upon novation or assignment.
In April, US single-name CDS were adapted to introduce fixed coupons of 100bp and 500bp, while Europe's major CDS dealers agreed to adopt standardised coupons of 25bp, 100bp, 500bp and 1,000bp from June 22.
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Managed deals could be next, but market's potential is expected to be limited
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FreshDirect is a home grocery delivery service that is available in New York, New Jersey, and Philadelphia.
The FreshDirect Refer A Friend program offers current customers a $25 credit for each new customer that you refer.
Plus, new customers can get a $50 discount off orders of $125 or more when you join FreshDirect through a current member's referral.
FreshDirect $25 Referral Program Credits
The FreshDirect Referral Program offers current members a $25 credit for each new customer that you refer.
The $25 credit will be applied if your referee's first order is placed using your special invitation link and no other promo code is applied.
You can access your invitation link when you log in to your FreshDirect Online Account.
The order needs to be invoiced and settled before the $25 credit is applied to your account.
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FreshDirect $50 New Customer Discount
New FreshDirect customers can get $50 off orders of $125 or more when you sign up using a customer referral link.
The $50 discount offer is for first-time residential customers in the FreshDirect delivery areas.
The $50 discount is valid through August 31, 2013, at this time, but it will probably be extended further once this deadline arrives.
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This discount is valid for orders totaling $125 or more before taxes or delivery fees.
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