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The True Value
When you receive a job offer, are you comparing apples to apples and understanding your job's net present value?
But residency probably didn't teach you about analyzing different job offers. Determining "the best" offer from a financial standpoint is not as easy as it seems, and answering this math question incorrectly could cost you financially down the road.
Let's visit the concept of discounted cash flow (DCF) analysis and net present value (NPV), and use them to help identify the best of two offers.
To correctly compare financial offers you need to compare "apples to apples". To do this, break down the offers into a time series of cash flows. For example suppose starting one year from now, you make $250,000 per year for the next three years. In the table, the blue lines represent this income cash flow. Would you rather have $250,000 one year from now or $250,000 right now? I think you'd agree that $250,000 today is worth more than $250,000 one year from now and three years from now. Another way to look at it is that today's value of $250,000 one year from now is LESS than $250,000.
So what is $250,000 one year from now worth to you today? To figure this out you have to convert the value of future dollars to the value of today's dollars. To do this you reduce or "discount" the value of future dollars into today's dollars. For example suppose between now and one year from now that the price of everything increases 10%. This means that the value of $250,000 one year from now is worth $227,272 today. The value of $250,000 two years from now is worth $206,611 today, and the value of $250,000 three years from now is worth only $187,828 today. The red bars in the graph show the value of future dollars in today's dollars.
So if you have a job offer that is paying $250,000 annually starting one year from now for the next 3 years, the total value to you in today's dollars (known as net present value) of that job offer is $621,711. You can now compare various job offers if you have an idea of the future income you'll get from each offer.
But you can't just look at the gross income you'll receive. You also have to take into account the following:
However, if you're an independent contractor, you'll pay the whole amount. While you can then deduct half of this self-employment tax the net after tax hourly rate for an independent contractor may not look as attractive as being an employee. You also have to consider the state income tax if you're considering offers from different states.
OK, so let's start comparing offers. I recommend using the projected income from your job offers to create a projected income statement for the next ten years. Subtract expenses and taxes to determine annual after tax cash flows. Then calculate the present value of the cash flows. A spreadsheet with formulas and sample data is available online here. Using the sample spreadsheet, input your individual figures and the spreadsheet will do the rest. Here is some guidance to get you started.
Determine annual pretax income for the next ten years. If you are a simple independent contractor paid an hourly rate, then multiply your rate times your annual hours and input the numbers for each year.
Include any signing bonuses. Remember, signing bonuses typically will vest over a couple of years and are only taxable after they vest. For example, if you accepted a $50,000 signing bonus that vests over two years (50% after year one and 50% after year two) then on your spreadsheet line item for signing bonus put $25,000 in year one and $25,000 in year two. Create another line item for yearend or RVU bonuses.
Create additional line items for other forms of compensation. This may include health insurance, educational stipend, paid vacation, employer contributions to HSA, etc.
Calculate your total annual compensation (this includes all cash plus benefits).
Calculate taxable income. This should be total cash compensation less non-taxable items like employer HSA contributions, employer retirement contributions, paid healthcare.
Determine your estimated annual tax. Rather than calculate various taxes yourself, consider using an online tax calculator, or work with your accountant to determine tax liability with each offer. Or just assume you'll pay 30% of your gross income in taxes as a rough estimate.
Subtract estimated annual tax from taxable income to get your net after tax annual cash flows. You should now have ten years of annual cash flows.
Use the Excel NPV (net present value) function to generate a Net Present Value of all your future after-tax cash flows. This provides one number you can use and can effectively compare offers of various structures. For the discount rate in the NPV formula, I use 6%. If you think the cash flows from one job are slightly more risky (i.e. not as likely to happen) when compared to the other job, then use a higher discount rate for the riskier position. As the cash flows from ER medicine are fairly stable, it's probably best to use the same discount rate across all offers for simplicity sake.
Knowing an NPV for a job offer will allow you to compare apples to apples and choose the most financially rewarding offer with confidence, knowing that you did a thorough analysis.
Download excel spreadsheet here.
# Independent Contractor for Emergent Medical Associates — 2012-07-11 10:57
First off, great article and perfect timing as the new class of senior residents begin thinking about life after residency. I have a few points for the readers to consider.
1. Tracking annual salary takes out the most important denominator in comparing your apples. Time! I make about as much as a friend at Kaiser, but she does 38 hours/wk while I average 30. Huge difference. You should be comparing hourly wages. Site volume/benefits /other factors come into play as well and should all be part of your analysis.
2. Regarding taxation between being an employee vs. independent contractor. The above seems to suggest that you pay more taxes as an independent contractor. Things are more complicated than that...and ultimately independent contractors pay net less taxes. An employee making $300K - relatively high for personal income - will undergo greater scrutiny than the average tax payer. An independing contractor on the other hand will typically incorporate - but a corporation making $300K is relatively small and is not subject to the same level of IRS scrutiny. All else being equal regarding available deductions, the same physician can be far more aggressive with tax avoidance (notice I didn't say evasion) as an independent contractor than as a high earning employee. An independent contractor who pays a greater net tax rate than their employee counterpart needs a new CPA.
3. Small point, but using inflation as reasoning for the discount of cash flow takes away from the inherent time value of money. If all I am doing is saving for a home, then the last 5 years have been anything but an inflationary market. Money tomorrow is ALWAYS of less value than money today regardless of its purchasing ability. Is the discount rate 7% or 10% or 15% annually? It depends on the person. If you can borrow a 1 year loan for $250K at 4%, then you have found your discount rate. If your credit is horrible and no one would loan you a dime, then it's far higher.
# Excel spreadsheet — 2012-07-11 12:28
Any way you can upload a template of the excel spreadsheet? What discount rate should be used?
# excel sheet link — 2012-07-13 13:26
The link for the excel spreadsheet is now at the bottom of the article.
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The Geographers on Film series is a collection of interviews conducted with hundreds of geographers since August 1970. Maynard Weston Dow, Professor Emeritus at Plymouth State College, and Nancy Dow largely produced the series.
As the new repository and curator of the Geographer on Film series, the AAG is responsible for preserving and providing broad access to the collection.
To commemorate the 40th anniversary of Geographers on Film and Wes Dow's contributions, the AAG presents an online preview of the earliest interviews conducted between 1970 and 1993 with 25 geographers. Watch 25 Archival Gems.

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March 14-15 Administrators of Family Tree DNA projects gathered in Houston to renew friendships, to meet new administrators, to learn more about their craft, and to discover the progress of the company and labs. Attendees from many parts of the US and Canada began to gather on March 12 and FTDNA held its usual reception the evening of the 13th. This always gives everyone the opportunity to see who arrived this year and to rub shoulders with the speakers, the FTDNA staff, and those who came from the University of Arizona. Those of us who attended the WDYTYA (Who Do You Think You Are?) conference in London two weeks before were pleased to relive those experiences.
Once again the programs for the two days were outstanding.
Day One:
Bennett Greenspan, CEO and President, and Max Blankfeld, Vice President opened the meeting with a kind welcome to us all and announcements that FTDNA would attend The Gathering 2009 in Edinburgh, Scotland in July and would return to the Who Do You Think You Are Conference next year in London.
Next was a long awaited speaker, Spencer Wells, the head of the National Genographic Project (a five year anthropological study to help determine the migration pattern of our oldest ancestors), spoke on Deep Ancestry: Inside the Genographic Project. Dr. Wells was unable to attend in 2005 when the FTDNA conference was held at the National Geographic Society in Washington DC as he was in Chad. The government gave the crew a last minute clearance to enter so that indigenous people could be tested for the study. Dr. Wells explained that a century ago Charles Darwin had realized all of us had come from Africa, and he was correct. The Genographic Project was launched in 2005 with three areas: Testing indigenous people around the world, allowing public participation and providing a Legacy Fund to assist the indigenous in education and health. The current results include a collection of 50,000 samples from the indigenous and the public. The Legacy Foundation has reached $3.5 million…that's many grants for the groups tested. The first publications are beginning to appear on the results.
NOTE: See the project at https://genographic.nationalgeographic.com/genographic/index.html for more details and how the public can join this scientific study. IF you or anyone you know has tested through the National Genographic Project, you need to move your test results to Family Tree DNA before the study ends so the results will be preserved in the case you some day wish to use the information for genealogy. At the end of the five years, in 2010, the public samples will be destroyed. There is no cost in moving your result to FTDNA. Family Tree DNA handles all the Genographic testing through the University of Arizona Lab.
Side note: Dr. Wells attended the FTDNA reception and as I had expected to meet him, I took the two books I own that he wrote in order to get his autograph…and below is the photo that was taken then. (Thank you Max! LOL)
Emily with Dr. Wells
Family Tree's Chief Technology Officer, Mark Williams, presented a view of the new Administrator pages entitled Group Administrator Dashboard (GAD). This total rewrite of the Web pages will allow Admins to view all their projects through one dashboard and to custom design their site. Admins can elect which windows to view and how to place them. Several new options will allow various charts to track the number of testers within a time period, haplogroup charts within a grouped list of testers and more. An administrator can order their members page according to several columns such as kit number, name, haplogroup, etc. Several of us helped Beta test this over the last few weeks, but those administrators who attended the conference are allow to further Beta test these pages. For a while both the old system and the new one will run independently of each other. This new approach provides more flexibility in tracking our projects and contacting our testers. Having all our projects on one page with one password along with all the new tools will be most helpful.
Dr. Ricki Lewis, a geneticist presented on Privacy & Ethics of DNA Testing. During lunch at my table she commented that she knows little about Genetic Genealogy, but remained for the sessions to learn more for her next novel. From my notes, her comments were that testing the entire genome is not helpful as there is too much junk DNA, but she feels that sequencing subsets of the genome can be helpful. She views those seeking DNA for health issues and for genealogical purposes start with a different intent. Dr. Lewis states that for health testing you get bad news, and it is done in secrecy. For ancestry testing the purpose is good news and for sharing.
My Note: In general, the purpose of testing for health and for ancestry can be the desire of the general public as Dr. Lewis stated, but genetic genealogists have a great depth of knowledge and desire for more information than the average person. Any genealogist knows it is important to gather and record family health issues, and this is especially important for those who were adopted. For these reasons, genealogists seek information on health issues, at least for themselves. Those who do understand that environment is the biggest factor and not inherited diseases. They understand that in most all cases, the DNA shows the propensity of getting a disease if one doesn't take care of themselves properly. For example, one person who took a personal genome test found he had a very high probability for prostate cancer. He went to the doctor and they found he did have it. He is alive today as a result of testing for health. Granted, science has not determined which combination of genes causes most of our health issues, but in some cases they know. Genetic genealogists know and understand this.
Genetic genealogists vary from knowing the basics of how DNA testing helps genealogy to being actual geneticists, mathematicians, doctors, anthropologists, scientists, and lawyers. That is to say, they come from every walk of life, with every background, and with a wide variety of knowledge regarding every aspect of genealogy and the use of DNA for family research. Over the last nine years genetic genealogy has existed, the knowledge base of the followers has grown tremendously. With these annual meetings and other seminars, with the availability of online resources, technical papers, and published books, with the establishment of various email groups, anyone wishing to understand genetics with regard to genealogy can do so.
Dr. Lewis rightfully mentioned the ridiculous aspects of some DNA companies claiming that children have a gene that determines their sports ability, etc. Genetic genealogists know how ludicrous this is. Unfortunate the general public takes the extremes: DNA testing is totally bogus or DNA testing for such genes is a god-sent. Both are wrong.
After a wonderful lunch, Bob McLaren, dressed in his kilt and manager of the Clan MacLaren project gave an interesting presentation entitled: Lessons Learned from Running a Large Surname Project. Mr. McLaren discussed ways to display DNA results, how to recruit members, and how to keep them informed. Bob's project is one of the larger surname projects with 327 members as of July 2008.
Dr. Doron Behar, postdoctoral fellow in the Hebrew University of Jerusalem and FTDNA's chief lab technician for mitochondrial DNA, and William R. Hurst, administrator of the mtDNA Haplogroup K Project and co-admin of the Hurst Surname Project discussed Advances in mtDNA Testing for Genealogy and Anthropology. They informed the audience that 5100 full mitochondrial DNA records were in GenBank with over 250 of those from Family Tree DNA and that FTDNA has over 4100 completed mtDNA. They clarified that Dna Ancestry misses 75% of the SNPs (Single Nucleotide Polymorphisms) that FTDNA tests. (SNPs determine the haplogroup which is a person's twig on the Phylogenetic Tree which is the world's family tree.)
NOTE: GenBank is a collection of publicly accessed DNA sequences for many species. An easy explanation of it can be found at: http://en.wikipedia.org/wiki/GenBank
The day ended in a Question and Answer panel. We learned that Ysearch will be updated later this year to include more markers; that the Genographic project requires the haplogroup to be known for the Hyper Variable Region 1 (HVR1) so the required SNPs are tested; that Dna Anecestry originally planned to make the DNA they test a part of a paid subscription in the future. (Personally, that's scary…you pay; they profit via their subscriptions.); and many more topics.
Day two:
Dr. Michael Hammer, Biotechnology Research Scientist at eh University of Arizona and Director of the Genomic Analysis and Technology Core facility, discussed the Advances in TMRCA in a break-out session. TMRCA (Time to the Most Recent Common Ancestor) is a mathematical probability that helps determine the number of generations back to the common paternal grandfather with people who match on DNA testing. Several models are applied and this process can be very useful guideline when the paper trail dead-ends. Of course there is a constant desire to improve this connection and with more testing it will be. FTDNA is currently looking for more males who have tested 67 markers and who are willing to have their male child, parent or grandchild tested. Three male generations, closely related (not cousins) will help determine a better proximity to the time to the most common ancestor. FTDNA is hoping to get volunteers of male halpogroups other than those who are R1b and I. The audience also learned that R1b and I mutation rates are similar and that J should have faster rates.
The other break-out session was Haplogroups: Uses for Your Project by Eileen Krause, Post-Lab Quaility Assurance Manager at FTDNA. Ms. Krause discussed the future of DNA testing and explained how DNA testing has already begun to bridge the gap between the genealogical paper trail, DNA testing and the SNPs that determine haplogroups.
The Ewing Surname Y-DNA Project by Dr. David Ewing, administrator of the Ewing Surname Y-DNA Project and member of Clan Ewing, gave some wonderful examples of how DNA testing solved some genealogical problems, while creating others with further work could resolve. He showed the audience some techniques for analyzing results and how to explain them to project members. Back mutations and Parallel mutations were explained.
Next, Matt Kaplan, associate staff scientist at the University of Arizona in the Division of Biotechnology and doctoral candidate, and Taylor Edwards, Senior Research Specialist at the Genomic Analysis and Technology Core at the University of Arizona and contributes to all aspects of the laboratory work for FTDNA and the Genographic Project, presented on What's in a Name…the Current State of Y STR Nomenclature 2009. In 2007 John Butler of NIST (National Institute of Standards and Technology) spoke to the FTDNA conference attendees regarding the standardization of DNA companies. Since that time, Messers. Kaplan and Edwards have worked closely with Dr. Butler to help FTDNA incorporate the changes.
The current rules established by NIST were presented, but the required changes from NIST (below) shows discrepancies in the application of those rules. However, FTDNA will follow the rules.
Currently, three markers that FTDNA test were given as an example of having NIST guidelines.
1. DYS 441 – Add 1 to the current FTDNA nomenclature.
2. DYS 442 – Add 5
3. DYS GATA-H4 – Add 1
These three markers will change on the websites sometime this year. Unfortunately, the certificates previously printed will be wrong after the change.
FTDNA's goal is to follow the NIST rules, but where NIST has not created a standard, FTDNA must follow the primary literature. These changes will take much time as NIST was created to focus primarily on Forensics and other non-genealogical companies and as more and more markers are being discovered at a rapid pace.
FTDNA vows full disclosure to NIST on their testing process. Their newly found markers are being sent to NIST, and FTDNA will be altering their reports and websites to reflect micro-alleles (partial repeats which will be displayed as decimals. Example: 14.1 instead of 14).
Bennett Greenspan, President of FTDNA, stressed that for all this to work, it is important that ALL other testing labs follow the NIST guidelines. He also suggested that all of us should push for standardization.
After another wonderful lunch, Thomas Krahn, Technical Laboratory Manager of Family Tree DNA's Genomics Research Center in Houston, presented on A Walk Through the Y Update and NULL Alleles as a break-out session. Mr. Krahn explained that a NULL is the absence of DNA results in a particular marker. The audience learned that there are many possible locations for NULLs, namely, DYS 439, 437, 391, 565, 448, 389, 425, and 448. Some of these appear in particular haplogroups more so than in others.
We also learned the outcome of what tests have gone through the Walk Through the Y program. This testing was geared to finding more SNPs by testing parts of the Y chromosome, with the hopes of finding SNPs particular to family and even in establishing a private SNP. As of now, the project is open to the public through an application available by contacting FTDNA.
Challenges to the Genetic Genealogist by David Ewing and Bob McLaren was another breakout session answered questions regarding how your projects' genetic information can be integrated with traditional genealogical data. Their presentation included who to test, how to recruit, what marker level to use, and how to make sense of your project results.
The last session of the conference was Updates to the Y-chromosome Tree by Dr. Michael Hammer. We learned that there are 600 SNPs which have been mapped, 20 major haplogroups (A-T), and that the R haplogroup acquired most of the new mutations although seven other groups received new mutations and subclades.
At every conference, Family Tree DNA gives the attendees some gift. At times it is a newly published book, but this year we received an updated Y Phylogenetic Tree. The best part of this tree, besides including the new subclades and SNPs, is that it uses the "short-hand" for subclades, but gives the longer version in the last column. For example, as the current subclades are getting much longer (R1b1b2) many genetic genealogists use the last SNP to indicate the twig (R-M269). However, it is easier to see the route of the twig back to the R branch by seeing the longer version. This Phylogenetic Tree is viewed at Family Tree's website by clicking on SNPs R Us.
The conference closed with a period of questions and answers.
Various photos from the conference:
Dr. Hammer's TMRCA Presentation
18 March 2009
5th Annual Internatonal Family Tree DNA Conference 2009
Labels: DNA, FTDNA, Genographic Project
1 comment:
- Debbie Kennett said...
Thank you for providing such a wonderful full account of the conference for the benefit of all of us, and especially those of us on the other side of the Atlantic, who were unable to attend.
- March 19, 2009 at 3:26 AM
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Vision, Objectives & Strategies
3M Brand Identity Vision
We earn customer loyalty and respect when we effectively differentiate from our competition and leverage the 3M brand identity standards as a vehicle for impact and success. As a diversified technology company, we rely on the delivery of our brand promise (what we bring to the marketplace), align with the expression of our brand essence (how 3M is able to achieve that brand promise) to ensure understanding and connection with our company, brands and products.
3M Brand Promise
Practical and ingenious solutions that help customers succeed
3M Brand Essence
Harnessing the chain reaction of new ideas
The integration of these core building blocks reinforces the trust, leadership, quality and innovation for which 3M has grown to be recognized and respected. In addition, of course, we also have our strategic brands, which provide further relevance and differentiation in key market categories.
3M Brand Identity Objectives
The objectives of our brand identity system are to:
- Manage the 3M brand globally - expressing our promise, personality and values.
- Build the ability of the 3M brand and strategic brands to instill familiarity, reinforce brand/product experience and protect our equity.
- Provide tools to facilitate consistent and effective delivery of the brand promise with every point of contact.
3M Brand Identity Strategies
To build a truly global brand, we need to maximize awareness and relevance of our single, unifying 3M brand. To achieve this, our strategies are to:
- Increase familiarity of the 3M brand identity through consistent application of our identity standards worldwide.
- Build equity in identity assets that are globally recognized.
- Build market leadership in every market we serve.


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Army Sgt. 1st Class Peter A. Arbeit has returned to the U.S. after being deployed overseas at a forward operating base to serve in support of Operation Enduring Freedom.
Operation Enduring Freedom is the official name given to anti-terrorism military operations involving U.S. troops and allied coalition partners. Active duty and reserve component members from all branches of the U.S. armed forces have been deployed to support the war against global terrorism outside the borders of the United States. U.S. troops serve in South, Southwest and Central Asia, the Arabian Peninsula, the Horn of Africa, islands in the Pacific, and Europe.
Arbeit is a chemical, biological, radiological and nuclear noncommissioned officer assigned to the 4th Airborne Brigade Combat Team, 25th Infantry Division at Joint Base Elmendorf-Richardson, Alaska. He has served in the military for 20 years.
His wife, Tonya, is the daughter of Harold Adams of North Augusta.
The sergeant first class is a 1986 graduate of Carver High School, Columbus, Ga.
Arbeit returns from overseas deployment
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Curator Judith Magee has replied:
There is another oil painting of the Dodo which is a copy of the Savery one.There are no other large oil paintings of inaccurate depictions of plants or animals. There are of course many books with images of animals and plants that the artist had not seen but drew them from either descriptions by others or from the imagination of the artist or again others. Some of these are fantastical and the animal has never existed others are attempts at drawing a living species such as camels and elephants but are poorly done.
One of the first watercolour drawings of a kangaroo is almost unrecognisable and this animal was in fact seen by the artist. This could be an example of poor draughtsmanship but also a poor understanding of anatomy so that when confronted with a species that had not bee seen before and was quite different from anything else it was difficult to comprehend and therefore also difficult to draw.
There are also examples of drawings of stuffed birds and animals that have been incorrectly or poorly preserved. If the artist has only these specimens as examples of the species there are bound to be inaccuracies. Added to this many drawings in the past were made purely from a dead specimen and this too could have influenced the artists in the reproduction of what they saw.


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MMA/Wrestling for Differntley Abled - emancipation or exploitation
I saw this posted this morning and was speachless. We have had threads regarding differently abled MMA and Martial Artests before, included one wrestler who was really impressive.
Always looking for something new, I found this entertaining, until the (spoiler) medical guys work on someone.
Then I began to wonder, is this the next Special Olympic event raising their profile, or is it somehow MMA pushed a little too far.
Found better video. For a write up
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"I don't ask questions that I don't want to know the answers to," says 27-year-old Jenny* with a laugh.
©iStockphoto.com/Lorand Gelner
That's why she hasn't asked the three men she's currently sleeping with about their sexual pasts. And when they inquire about hers, she lies. They don't know she's had sex with dozens of guys—instead she cops to six, the magic number that she and her friends have decided sounds most acceptable.
For now, Jenny is focused on her public relations career in Philadelphia and has no interest in pursuing a committed relationship. "If you're with multiple people, you can't get your heart broken," she says. Having casual sex keeps her safe, at least emotionally. There's the dude downstairs—a friend's ex—with whom she could never have a relationship outside the bedroom. There's the old pal who is "just a friend with benefits, nothing else," who sends her late night booty text messages. "I'll go over and we'll have sex, and then I won't hear from him for two weeks," she says. "And I'm totally cool with it."
Cool, too, with the new rituals of the mating-without-dating culture. There are the naked self-portraits she fires out from her BlackBerry. "I send them if I want to entice the guy to have sex," she says, adding that she would "absolutely die" if the racy photos got out. There's the boozing herself loose for sexual encounters ("Alcohol is always involved because it makes you bold enough to act and feel a certain way"), even though she tends to have unsafe sex when she's wasted. There are the hit-or-miss protective measures ("I don't always use condoms—I take morning-after pills when I need to"), even though she assumes that the men she sleeps with are intimate with other women too. "I don't really worry about HIV anymore," she says. "It's like I think I'm invincible. Nothing bad can possibly happen to me."
Jenny's cavalier attitude is shocking, but not uncommon. Plenty of young women today are shoe-horning active sex lives into ambitious professional pursuits that don't allow time for traditional dating, feeling Teflon-protected in the face of very real repercussions. "Sexually transmitted diseases and unplanned pregnancies are hugely on the rise," says sex therapist Laura Berman, M.D., a clinical professor of psychiatry and OBGYN at Northwestern University. "Unprotected anal and oral sex, being with multiple partners, not having regular testing or regular Pap smears, drinking...all of these things create a perfect storm for putting yourself at higher risk."


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Do you love smoking cigars and cigarettes? Do you gulp down beer, whiskey, rhum, gin, lambanog, ethyl, isopropyl, etc.?
Do you adore gambling and playing the games of poker, slots, baccarat, bingo, blackjack, roulettes? Then I suppose you would definitely invest in companies that sell these products and services. Or, would you?
We always remind new investors to take a deeper look into a company's fundamentals before deciding to buy their shares. But I seldom hear these days to consider asking themselves first if the company they are interested in are actually producing either clean or "sin" products.
You wonder why our government won't totally ban cigarettes and liquor despite the more harm than good that they offer? It's simple. The government earns from taxes paid by these companies.
What Are The Listed Philippine Sin Stock Companies?
I tried to browse a few and found a very short list of "sin" stocks. You can add some more if I missed any of them.
Should I include mining stocks? Hhmmm…
Why A Lot of Sin Stock Traders Love Sin Stock Companies
1) Because these sin stock companies produce and sell products that are sinfully desired by many people: cigarettes, beer, gambling. Next could be adult magazines and guns. Products that excite people. "Great" reasons to value these stocks.
2) Because these sin stock companies produce and sell products that people WANT to buy each and every single day. Cigarettes are not smoked once. Gamblers don't just gamble for one night in Casino Filipino. Alcoholics don't drink just one bottle of beer and become transformed into a clean Christian person in just one weeknight. They all have to be bought over and over again.
If a company's products are consumed endlessly, investors won't go away from them.
3) Because these sin stocks have loyal followers. Investors and traders are confident that buyers of these products will remain until they die.
4) Young people become adults. Millions of them become exposed to booze and cigarettes. They will never run out of consumers each year.
5) Even when the country's economy is down, people with addiction to these vices will continue to buy these sin products. Regardless if the country's economy falls apart or not, smokers will never stop smoking. Alcoholics will never stop drinking. Sin stock traders therefore will continue to buy and sell their shares and earn a lot from them.
6) As long as there are sinners, sin stocks will stay.
Are You An Upright Investor or An Investor with The Right to Choose?
When investors meet, most of the time they talk about how much their investments have earned in the past year. Or who has the bigger net gain. But sometimes some investors won't admit that they own companies that sell products that say "smoking is dangerous to your health". Or firms that ask you to "drink moderately". Our parents may be quite thankful FHM and Maxim magazines have not decided to be listed yet.
Should you really ignore sin stocks? Are you a socially responsible investor? Do you support companies that produce products and services that destroy health and families? Really, it's your conscience that will matter at the end of the (trading) day. Your call. To each his own.
But personally, I will only buy stocks of companies that benefit the general public and not only the few ones.
Read more about stock investing issues by subscribing to BurnGutierrez.Com for free.
Join the OFW UsapangPiso Facebook Group and Forum to learn how to plan your finances the right way and how to grow your money in various financial instruments and investment vehicles such as stocks, mutual funds, UITF's, bonds, money market, real estate, and others.
P.S. 1. Bro. Bo Sanchez has appointed me as a coach for our young and new investors at the TrulyRichClub social site. It's a fun, learning family with the purpose of "helping good people become rich". I'm inviting you to join the TrulyRichClub too and email me at firstname.lastname@example.com if you have any questions. Click here to join!
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text: We all remember that heroic day with the navy sharpshooters killed those three Somali pirates and rescued the captain from their cold, dead hands. So now, according to an active military anonymous source, it turns out that the accolades given The Moron were undeserved. The action was taken by on-sight authorities who 'loosely' interpreted orders and were immediately berated by the WH for their actions. I think they quieted their disapproval as the country cheered that action.


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MyAnimeList Rating:
Action, Adventure, Comedy, Fantasy, Supernatural
At the Shinigami technical school for weapon meisters, this series revolves around 3 groups of each a weapon meister and their human weapon: Maka and her scythe Soul, Black Star with Tsubaki the magical weapon, and Death the Kid with his twin pistols Patty and Liz. Here, masters aim to make their partner a "Death Scythe" which is the highest title for a weapon and thus fit for use by Death himself, by collecting the souls of 99 evil humans and 1 witch. The three partnerships quickly form a bond with one another and become stronger to protect Death City by hunting powerful evil creatures, and in some cases, even demons…


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Blog Archives
You Don't Have to Give It All Away
Some guys think girls flaunt skin to gain power and superiority over men.
But most do it because "hotness" so often measures a woman's worth. And a girl likes to feel good about herself.
So plenty of young women feel pressed to put on the act, even if it feels awkward and overexposed.
I've created a string of thoughts that come from my women students, Colbie Caillat's "Try" and Ashley Judd's response to chiding over her "puffy" face:
* * *
An old boyfriend told me that I wasn't as attractive as other girls. I asked him why he didn't think so. He said,
I don't know. You're always all covered up. Maybe you'd look more attractive in a cocktail dress. You don't open your clothes and let men in.
Confidence: A People Magnet
Confidence is a people magnet. It's also good at drawing emotionally healthier people to you.
And, it's healthy to have confidence even when you are alone.
But how do you get it? Read the rest of this entry
Why Do I Care What Others Think?
Most people trumpet their successes and hide their failures.
When we win a race, a game, or an award, public recognition gives us a boost. We want to spread the word — and we hope that others will, too.
But when we fail at a project… or basic stair climbing… we hope no one sees the fall. And if they do, we hope they won't gossip.
Rejection and humiliation make us think we're no good.
But why do we care? Read the rest of this entry
Abuse evaporated my self-esteem
By Lily Mendez
I was the girl that everyone called a slut. Or that everyone thought would be pregnant by age 16.
That's what I would say when people asked me what I was like, growing up. Obviously, I didn't feel real good about myself.
And my low self-esteem was reflected in my relationships with boys. Read the rest of this entry
You're Better Than You Think
Are women too hard on themselves when it comes to their looks — and everything else?
A Dove ad campaign called "Real Beauty Sketches" has gone viral. In it, women describe themselves to a forensic artist who sketches them from behind a curtain. Next, strangers describe them.
Women used more negative words to describe themselves:
- (My chin) kind of protrudes a little bit, especially when I smile.
- My mom told me I have a big jaw.
- I have a big forehead.
- I have a fat, rounder face.
Strangers made more positive assessments:
- Her chin was a nice, thin chin.
- She has nice eyes. They lit up when she spoke.
- She has a cute chin.
- She has very nice blue eyes.
Afterwards, the women were surprised by how much more attractive they appeared in the eyes of strangers who — tellingly — yielded more accurate results.
In fact, Dove's campaign was inspired by research finding that only 4% of women believe they are beautiful. Meanwhile, beauty can be a huge source of self-worth, which is unfortunate when there is so much more to women — and so much that is more significant.
"Good Morning America" did the same experiment and got the same results.
Last summer's HBO documentary on supermodels, "About Face," also found plenty of self-criticism among women who are thought the most beautiful among us. For instance, Carmen Dell'Orefice disliked one photo because it showed her feet, which she deemed "unattractive." I looked at the photo and saw nothing wrong at all. Perfectly normal and natural looking.
We can be our own biggest critic.
But self-criticism doesn't stop with our looks.
I've noticed that I can be pretty tough on myself. But when I consider how I would advise another person in the same situation I'm much more generous.
Being too harsh on ourselves can be a problem because low self-esteem limits us. When we lack faith in ourselves we don't try, or when we do try, we are less likely to succeed. Or, we may put others down to feel like we're better than someone else. But as they say, you can't love until you love yourself.
If we were more self-accepting and self-loving everyone would likely be better off.
Popular Posts on BroadBlogs
Low Self-Esteem? Blame Beauty Myths
Beauty Tricks to Remove Your Power
You're Hotter Than You Think
Girls Walk Fine Line Between Attractive, Slut
Women and men both use sexual allure to raise their status. Men may try to "score" with as many women as possible, with each conquest boosting their place among men.
For women it's more complicated. Many college women think that being "hot" is the most important thing in the world. That's because self-worth is so attached to beauty. But Elizabethe C. Payne, Director of Queering Education Research Institute (QuERI), explained in the Huffington Post that girls can face a double bind of "damned if you do, damned if you don't" as society tells them they will only be loved and held in high regard if they show off their bodies – but they'd better not do it the wrong way:
Girls have to "straddle an often unclear line in appearing sexually attractive (desirable) and receptive (thus not "gay") yet unavailable (not "sluts").
She says that middle school girls who simply dress attractively and wear makeup—or who develop breasts before their peers – may be labeled "sluts." And any girl who actively pursues a boy, defying the double standard, can get slut-shamed too. She needn't have sex, she only needs to be assertive:
Many young girls who have never had sex or anything close to it — at all — have been marked as "sluts." Once marked, young girls are repeatedly subjected to sexual harassment, threats and taunts.
But the pressure on young women to constrain themselves moves beyond sexuality and sexual allure. Middle school girls can also be labeled as sluts, bitches, whores or gay for acting assertively or challenging male authority – including the authority of boys.
Girls and boys both slut-shame. Girls, because they feel threatened by attractive young women, especially when they feel they cannot be attractive, themselves. And boys might sustain the male privilege to act and be free while girls must hold themselves back.
Which brings us to another double-bind. Women and girls who criticize a system that judges us only by our beauty, and who seek, instead, to work for equality can be labeled "feminazis." But if they smile and take it they still lose.
If you're going to lose either way in the short-term, you might as well work toward long-term freedom and empowerment, I'd say.
Popular Posts on BroadBlogs
Did Slut-Shaming Kill Phoebe Prince?
Sex and the Walk of Shame
Lose Virginity, Lose Self-Esteem?
Lose Virginity, Lose Self-Esteem?
When women lose their virginity, they can lose self-esteem, too, experiencing a small drop. That's what a recent Penn State study reveals.
Women college students were surveyed over time. Before sex the women felt increasingly good about their bodies. But after first sex they felt worse. Looks like when they're in bed women start worrying about whether they look good enough. Masters and Johnson tagged the phenomenon of watching yourself from a third person perspective instead of focusing on sexual sensations or your partner, "spectatoring." Women are much more prone, being the objectified. Then, feeling they don't measure up, self-worth drops.
Other usual suspects may also affect self-esteem, including the double standard that provokes worries about labels like slut and whore. Tracy Clark-Flory over at salon.com points to a 1995 study that found "women were significantly more likely to report that their first sexual experience left them feeling less pleasure, satisfaction, and excitement than men, and more sadness, guilt, nervousness, tension, embarrassment, and fear." Even now women continue to experience that bind.
The double standard strikes again when women feel used, unappreciated, and worried about reputations after short flings or one-night stands.
Meanwhile, a study I recently posted finds 35% of women in strong partnerships feeling sad, anxious, restless, or irritable, after sex. Researchers don't know why. Commenters, speculating on their own experience with the phenomenon, fingered sexual repression or difficulties with orgasm (which are related to repression) as culprit.
Studies repeatedly find that women are less likely than men to enjoy sex. Other research suggests the problem is not biologically based, or inevitable. Women in sex-positive cultures enjoy sexuality a great deal.
We are going to have to move beyond sexism for women to reclaim their sexuality. That would benefit both women and men.
Popular Posts on BroadBlogs
Are Women Naturally Monogamous?
Are Women Culturally Monogamous?
Surprises in Indiana University Sex Survey
Men's Mags Celebrate Varied Body Types
From time to time men's magazines exalt body types that vary from the tall, skinny, buxom shape they typically flaunt. True, the lovely ladies on Maxim's and FHM's "Hot 100" lists look pretty much the same, but it's nice to see a little branching out now and again, so let's celebrate what we can.
Small Busted Bombshells
While buxom breasts are a highly appreciated part of the female form, Mila Kunis was just named #3 on Maxim's Hot 100, which considers their picks "the definitive list" of the world's most beautiful women. Mila also made #9 on FHM where male readers vote for their faves. Also on that list are Kristin Stewart, Paris Hilton, Pippa and her sister Kate Middleton, the Duchess of Cambridge. And Keira Knightly once made FHM's #1 hottest hottie.
"Un-Skinny" Stunners
Slim figures are also admired, but Kim Kardashian, along with Scarlett Johansson and pear-shaped Jennifer Lopez, made FHM's top 100 this year. And, Christina Hendricks, "Joan" of Mad Men, was picked as a "Girls We Love" covergirl.
When women see men gaping in appreciation of Joan's full figure, I'm sure they are better able to appreciate their own curves. And when Mila Kunis asked Justin Timberlake if her breasts were too small in "Friends With Benefits," I'm sure plenty of women were happy to hear him respond, "They're breasts, aren't they?" No problem. And then he falls in love.
Opening up the ideal is good for both women and men, even if there is still far to go.
When a woman sees herself as beautiful her self-esteem rises. It's also easier to feel sexy. And when she feels sexier her interest in sex rises, too. She isn't distracted, wondering if she's attractive enough. And, women tend to get aroused by feeling that their partners see them as alluring. Plus, when men see that the ladies they love resemble Maxim's Top 100 in some way, they can more easily see the beauty of their partners.
I suspect most women overestimate how harshly men see them and I suspect that most men are more accepting of women's bodies than women are, themselves. So that's good news ladies.
Our society's ideals don't have to determine our self-esteem, but they usually play a heavy role both in how we see ourselves and in how others see us. And so while we can work to move beyond the superficial, we'd all benefit if our culture expanded its notions of beauty, too.
Popular Posts on BroadBlogs
Lose Virginity, Lose Self-Esteem?
Beauty Tricks to Remove Your Power


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Amber Scott Ballerina with The Australian Ballet
on Graeme Murphy's "Swan Lake"
as The Australian Ballet
Celebrates its 50th Anniversary Season
by visiting NYC for the first time in over a decade
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actually this is a banner brick, you get it when you install ios60 with preloader already installed... try booting while holding reset if you have it, it will bring you to preloader menu. reinstalling preloader 0.29 may fix it
actually this is a banner brick, you get it when you install ios60 with preloader already installed... try booting while holding reset if you have it, it will bring you to preloader menu. reinstalling preloader 0.29 may fix it
Just followed these instructions exactly and ended up with my homebrew channel not working, just get a blank screen.. Managed to step back with Bootmii... Any idea why this would be??
I'm having a problem with the last step: using the 4.1 update.
I'm getting either:
1. The updater sits forever trying to initialize the network or
2. More often I'm getting an exception DSI? error and a bunch of numbers on a black screen
3. Sometimes I get a an "error ret=-116" error from the updater before it goes to the exception screen
I have wii connect 24 off
I'm trying to update from 3.4 in order to install preloader as described in the other "soft mod any wii" thread. Everything was working fine until this point. ???
Last edited by valkyriesound; 09-13-2009 at 09:15 PM.
"error -116 could not find network"
it's a long shot but... you do have an internet connection... right???
Hello all,
A quick background. I had previously sucsessfuly softmodded my Wii, Home Brew, USBLoaderGx. I was attempting to follow the guide here and have managed to banner brick my Wii. This happened when i was attempting to install IOS60patched.wad with the wad manager. I am not sure what I have done as I am still so new to this i dont even know how to tell you what wads i have installed, and had some problems doing the origional soft mod, so please excuse my ignorance as I try to learn more about this.
If I let the system boot normal I get the banner brick screen, However if I boot the system while holding reset I get the preloader v0.29 screen, and can launch the HBC from there with no problems that I can see. I can also load the WAD manager from here as well, however I get a dump screen with just about every IOS i select.
Should I attempt to restore it to a "Virgin" state, and try again? Or would one of the restore chips work better?
Damn I wish these were laid out as easy as the XBox's were!!!!!
Thanks in advance,
Many thanks Messie! I am able to boot to the system menu. Am I correct in assuming that i would just run the 4.1 update now?
The only reason I am trying to update is so the newer backups will work correctly. Is it worth updating to the new version?


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Keene Valley Keene Valley Neighborhood House 2013 Golf Tournament was held on Wednesday, Sept. 4 at the prestigious Au sable Club Golf Course at the Mountain Reserve in St. Hubert's.
Winners were:
Men's lowest Score: Bob and Tom Beismeyer, Dick and David Nye; Men's long Drive: Tom Beismeyer; Men's Closest to the Pin: Bucky Hathaway
Ladies Lowest Score: Christine Benedict, Gerri Taylor, Gail Alexander, Trish Baker; Ladies Closest to the Pin: Judy Juzatis; Ladies Long Drive: Trish Baker
Lowest Mixed Team: Liz Jaques, Phoebe Storm, David Holmes, Bruce Whitman; Putting Contest Winner: Dick Nye; Skins Contest Winner: Rob Boula, Martin Nephew, Matt Nolan, Kevin Manchester
Organizers said they would like to thank the area businesses and organizations for sponsorship of the event: The Au sable Club, Senator Betty Little, Hyde Fuel, Beismeyer Adirondack Building and Contracting, Champlain Bank and Buck Supply and Distribution and their Board Members for countless volunteer hours and to all the local businesses who donated items for prizes.
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CVI Authorized User Training provides an overview of a Sensitive But Unclassified designation titled "Chemical-terrorism Vulnerability Information" (CVI). CVI is used to protect information developed under Chemical Facility Anti-Terrorism Standards (CFATS) regulation that relates to vulnerabilities to terrorist attacks of high-risk chemical facilities manufacturing, using, storing or otherwise possessing certain explosive, reactive, flammable, or toxic chemicals of interest. Completion of this training will prepare you to successfully handle and safeguard CVI.
Completion of this training and the CVI Authorized User Application is a necessary step to become a CVI Authorized User.
This training does not make any determination on your need to know CVI. The holder of CVI or an appropriate Department of Homeland Security official will make this decision each time a request for access to, or for disclosure of, CVI is made.
DHS will review the information you provide upon completion of this training and, if you are approved as a CVI Authorized User, DHS will notify you with an email providing a unique CVI Authorized User number and certificate to confirm your status.
If you have any difficulty with submitting the CVI Authorized User Application, please e-mail the CSAT Help Desk at firstname.lastname@example.com or call at 866-323-2957. Hours are from 7:00 AM to 7:00 PM ET Monday to Friday. The CSAT Help Desk is closed on Federal Holidays.


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On Sunday, June 20th, 2010 at around 1:00 A.M., Third District
Officers responding to a call of shots fired in the 800 block of
Florida Avenue found a 52 year-old victim, later identified as Fred
Gibbs of Mississippi, lying on the floor inside a railroad locomotive
car suffering from multiple gunshot wounds after an apparent attempted
armed robbery. The victim was pronounced dead on the scene by EMS.
The perpetrator is described as a b/m subject in his 30's, with a dark
complexion, wearing a polo-type shirt with horizontal stripes.
Homicide Detectives are actively investigating this case.
If you have any further information on this incident or know the
whereabouts of the perpetrator, please call the Homicide Division at
658-5300. You may also call Crimestoppers anonymously at 822-1111.
Remember to report any suspicious persons or activities you see in
your neighborhood by calling 821-2222. In an emergency, call 911
Major Greg Elder
Third District
New Orleans Police Department
You received this message because you are subscribed to the Google Groups "NOPD 3rd District Email Blast" group.
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Hang tight!
Recipe by Liam&Levi'sMommy
"My husband begs me to make this all the time and my 2-year-old can't get enough of it! It never lasts for more than a day in our house. If you like guacamole, you will LOVE this recipe. My sister and I have been tweaking it for years and finally have come up with the best recipe ever. The key is to use avocados that are perfectly ripe."
Hmm. None of these ingredients are on sale today.
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ripe Hass avocados - pitted, peeled, and diced
roma (plum) tomatoes, chopped
1/2 cup
chopped fresh cilantro
green onions, chopped
jalapeno peppers, seeded and minced
4 cloves
garlic, finely minced
limes, juiced
salt and ground black pepper to taste
This is a basic, traditional guacamole recipe with the additions of the ingredients I enjoy and the omission of those I don't. I cut the amounts of jalapeno and cilantro in half simply to suit our personal tastes and used yellow onions rather than the green. I wouldn't hesitate to refer to this recipe again.
I don't use cilantro. I prefer to use Texas Sweet onions instead of green onions and a lot less garlic. This way you can taste the avocado-which must be ripe-just soft-for the best taste.
15 Ratings
Yummy! This was smooth and creamy with just the right amount of flavor - nothing artificial, no jarred salas or other oddities to make it some sort of "creation". I cut the recipe in half to give it a try. I de-seeded the tomatoes, used one jalapeno, a few pinches of kosher salt, opted out of the black pepper and added a little more than 1/4 tsp. of cumin - it went great with warm tortilla chips and ice cold margaritas!
Spicy and fresh - this will be my go-to guacamole recipe from now on. All the flavors in this recipe were perfectly proportioned for our tastes.
Everything I love in my guacamole! I reduced the recipe to use 2 avocados & it made a huge portion- I think using 8 would feed a big group. I like more garlic & think next time I would use 1 more avocado per reduced portions of everything else. Yummy!
This recipe is very much like my favorite Guacamole. The only change I make (for 8 avocados) I use 3 TBS finely minced red onions instead of green onions. I like the coarse texture of the "mashed" avocado so I use a large fork rather than a small one. If I'm making a large amount for a party I strain the juice from a couple of fresh lemons, put it in a spray bottle and lightly spray the interior of my bowl and the top surface of the piled on Guacamole. I have found that if you get too much lemon IN the Guacamole it changes the whole flavor, makes it taste lile "store bought".
Love this !!!!! I already made my guacamole the exact same way. The only difference is I don't measure my ingredients, I eyeball them & taste as I go, that's how my abuelo made his famous salsa, so that's how make my guac! These ingredients are all you need!
Quick and easy. I also added a little white vinegar and olive oil gave it a little kick.
* Percent Daily Values are based on a 2,000 calorie diet.
Yummy Guacamole
Serving Size: 1/16 of a recipe
Servings Per Recipe: 16
Amount Per Serving
** Calories: 168
** Calories from Fat: 133
Kale is the healthy, green leaf that transforms into a crunchy snack chip in your oven.
You can't go wrong choosing from over 400 pork chop recipes with ratings and tips!
Delicious recipes, party ideas, and cooking tips! Get a year of Allrecipes magazine for $7.99!
See how to make classic guacamole with all fresh ingredients.
A chunky-style guacamole with diced jalapenos, garlic, and tomatoes.
Make fresh guacamole in less than 10 minutes—and get tips on peeling tomatoes.


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Houston city guide to the restaurant, bar, music and art scene
Posts filtered on Tag
Beyoncé lends backup vocals to kitschy Kitten track
You can hear the Houston superstar, along with Destiny's Child bandmate Kelly Rowland, clearly on "Sex Kitten," a '60s-inspired track. [Read More]
Houston Pride Festival lines up Jaymes and James, Alexis Jordan, Chanel Dror
The Houston LGBT Pride Celebration is putting a dose of pop in its 35th anniversary. Check out the entire festival lineup, which includes national names and locals. [Read More]


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Running December 11, 2008- February 20, 2009
This exhibit features selections from the University of Minnesota Libraries' Performing Arts Collection. Personal notes and choreographic sketches from Loyce Houlton, photos of the company, original costumes, props, and set designs from performances such as A Dancer's Twilight Tales, the Nutcracker Fantasy, Crisis, and Carmina Burana. This exhibit also has continuous viewing of live performances from the past to the present.
A Costume from the Nutcracker Fantasy, 1964
Various photographs from Kaleidoscope 1976:
Left: Swan Lake
Top: Puritan Pilgrims
Right: Shoeshine
The production notebook from the Nutcracker Fantasy outlining stage setup, lighting, and props. 1969
Carmina Burana is based on 13th century poems written by scholars and vagrant monks. It involves over 25 movements.
A life-sized bike prop used in a production.


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Organization attempted in early 1864; dissolved February 24, 1865. A muster roll of Co. "A", 11th Tennessee Volunteer Infantry Regiment, covering the period from June 30, 1864 to February 24, 1865, shows the first enrollments for this organization at Memphis as early as January 1, 1864. Enrollments were made by Lieutenant S. V. Clevenger, originally in the 25th Missouri Infantry Regiment, then in the 1st Missouri Engineers. Enrollments were made at Memphis, where the company was mustered on June 30, 1864, with some enrollments as late as July 7, 1864. Some time in July the company was moved to Nashville, where all subsequent enrollments were made.
On August 1, 1864, Governor Andrew Johnson commissioned S. V. Clevenger as 1st lieutenant, commanding the company, and placed him in command of the Tennessee Barracks and General Receiving Rendezvous, Nashville, on August 31, 1864.
A note on the muster roll gives the following information as to the organization of the regiment, and the history of the company: "This company participated in many hard marches through West and Middle Tennessee. Was engaged with guerrillas near Wolf River, Tennessee. Lost one man killed. Skirmished and scouted after guerrillas near Johnsonville and Camden on several expeditions. Fought guerrillas near Triune, Tenn., February 11, 1865-Lieutenant Clevenger shot in hand. Scouted through Cheatham County on Hurricane and other creeks, killing several guerrillas. Fought all day December 15, 1864 at battle Nashville, Tenn., between Granny White and Hillsboro pikes. Joined in charge on breastworks through the cornfield. Lost half the company by killed and missing in action. The remnant was transferred to Companies "F" and "K", l0th Tennessee Infantry, February 24, 1865, by Andrew Johnson, Military Governor of Tennessee. Several other companies and many more men raised for this regiment, but never mustered into service. Split up and assigned to 6th Tennessee Cavalry and other regiments Tennessee Volunteers."
A total of sixty names were on the muster roll, of whom twenty, including Lieutenant Clevenger, remained to be transferred on February 24, 1865. Clevenger became 1st lieutenant of Co. "K", 10th Tennessee Volunteer Infantry Regiment.
This unit history was extracted from Tennesseans in the Civil War, Vol 1. Copyrighted © 1964 by the "Civil War Centennial Commission of Tennessee" and is published here with their permission.
This history may not be republished for any reason without the written permission of the copyright owner.
©Tennesseans in the Civil War Project
This page was last updated on Wednesday, July 14, 2004 .
©Tennessee and the Civil War Project
2005. All Rights Reserved.
All content found on this site is the property of the Tennessee and the Civil Project and her contributors
and may not be used without written permission.


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We're a group of fans of Sonic the Hedgehog. Whether you became a fan in Green Hill zone, Splash Hill zone, or even from the various T.V. shows and comics, it doesn't matter how it happened! All fans of Sonic are welcome!
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{ entityCount: 4 }
A Little Bit About Men's Shoes
While men generally don't have as many pairs of shoes as women, men's shoes are just as important - don't let your wife dominate the shoe closet anymore!
Whether you are looking for a classic loafer to wear to the office or athletic shoes to hit the courts in this weekend, ShoeMall.com has men's footwear for every occasion. It's always important to shop for quality, comfort, price and a shoe that fits your lifestyle. ShoeMall has just what you're looking for.
Are you the athletic type? Improve your performance at the gym with the high quality athletic men's shoes from Asics, New Balance or Saucony. For the adventurer, ShoeMall has the latest outdoor trail shoes or hiking boots from brands like Merrell, Keen, Ecco and The North Face. Are you more of a couch potato? Lounge around and support your favorite NFL or MLB team with our wide selection of team slippers and sandals.
For the casual t-shirt and jeans guy, shop our large selection of men's sneakers, boots, chukkas and oxfords. Workaholic? We have a variety of leather slip-ons, casual dress shoes, loafers or boots to wear at the office. Are you looking for a pair of shoes to wear for your wedding day? Pick up the perfect pair of designer shoes to wear with your suit.
ShoeMall also has a vast selection of men's watches, socks and stylish hats to choose from.
Whatever your lifestyle or occasion may be, you can find quality men's shoes at an affordable price at ShoeMall.com.


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How do I add a file to my course?
You can add a file to your course by uploading a file. You can also import files using the course import tool.
Note: Instructors can drag and drop files from their personal files into course files.
Note: Video and audio uploads to Canvas through the media tool can be up to 500 MB in size.
If you are not using the Usage Rights feature option, please view the archived version of this lesson.
Add Files
Click the Upload button.
Add Files via Drag and Drop
Some web browsers contain a unique feature that allows the user to add to files by simply dragging and dropping the files from a file window directly into the Canvas file repository. Click the title of the file you wish to add [1] and drag the file to your open browser [2]. Your file will automatically upload.
Replace Duplicate File
Monitor Uploads
View Files
View your new file in the course.


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Narrow your search
With 10 propellers and a 10-foot wingspan, NASA's unmanned aerial vehicle can take off like a helicopter, then fly like a plane.
The Zweissen Manual Food Processor is an affordable kitchen tool that likes to explore. And since it requires no electricity, the gadget can be used anywhere.
We're all for the Ecocapsule, a portable home with various off-the-grid features including solar and wind power. Where would you set up shop if you could live free of the trappings of everyday life?
The Charcoal Companion Half Circle Pro Griddle opens up the grill to new possibilities. The simple accessory makes breakfast easy to find.
When you're done removing junk from your Android storage, it's time to do some organizing. Here are some tips to help you regain that new, uncluttered Android experience.
This April Fools' Day, ThinkGeek unleashed everything from Mad Max Power Wheels Desert Drifters to a Hodor Travel Buddy to Voltron Cat Condos. Take a look at some of the coolest fake products around.
Sound waves aren't just for voices. They're also adept at priming your prints, and one day replacing your passwords.
Both Lyft and Sidecar see significant bumps in business after Uber's publicity blunders, but it appears it'll take more than a boycott to oust the top dog.
Usually, you want to keep laptops cool. An industrial designer comes up with an idea for one that does exactly the opposite.
Make desserts to the shapes of classic game controllers with a silicone mold from ThinkGeek.


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August 3, 2015
SAN MARCOS, Texas (AP) A 30-year-old man in Central Texas has been sentenced to life in prison for beating his girlfriend with a belt and rocks and using a box cutter to carve into her face and slit her throat.
A Hays County jury deliberated Thursday only 20 minutes before convicting Zane Lynn Barton of aggravated assault causing serious bodily injury with a deadly weapon. Evidence showed the attack occurred last year in San Marcos.
Prosecutors say he cut X's into the woman's face and hands and that she convinced him to let her get medical help by promising to blame the attack on a stranger. She subsequently told police Barton was her assailant.
The Austin American-Statesman reports a physician testified her wounds missed being fatal by just a millimeter or two.
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Programs & Services
Diversity Summit on Inclusive Excellence
Thursday and Friday, January 22nd-23rd, 2015
Fifty Years Since Selma: Your Voice Still Matters!
On March 7, 1965, a peaceful multiracial march took place in Selma, Alabama to draw attention to the call for equal voting rights in this country. Met with violence, their efforts helped call national attention to the need for comprehensive voting rights legislation; and the federal Voting Rights Act became law on August 6, 1965. This year's 14th annual Diversity Summit, following the State of Colorado's Martin Luther King, Jr Celebration theme, will focus on actions that made progress possible 50 years ago and what we can do today to continue the struggle for social justice and equality in the United States.
Our thanks to everyone who helped make the 2015 Diversity Summit such a success: attendees, sponsors, presenters and volunteers!
Use the links at left to review information from the Summit, including speaker/presenter materials being added as we receive it.
Until we post dates and details for the 2016 Summit, keep using your voice, and consider participating in:
- Graduate Student Government's 2nd annual Research & Performance Summit , Friday, January 30th
- 20th annual DU Women's Conference , Friday, March 27th
- 2nd annual DU Internationalization Summit , April 9-11th
- and other events on the CME e-calendar (at right).
In 2001, the DU Diversity Summit began with a few undergraduate students coming together to talk about diversity. The event has grown tremendously since then, now engaging up to six hundred participants annually.
In 2007, the University of Denver made an institutional commitment to Inclusive Excellence, the philosophical and practical concept that inclusiveness and excellence are one in the same, which guided the Summit focus to Include Excellence. Originally, the Diversity Summit highlighted the success and ambitions around IE and diversity of DU administration, faculty, staff and students but has grown to incorporate leaders in diversity and Inclusive Excellence from Denver, the region and the nation. The Diversity Summit has featured keynote speakers active within academia as well as those from the business sector.
Please contact firstname.lastname@example.com with questions.


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The House Corporation for Omicron Chapter of Alpha Chi Omega is committed to providing a safe, efficient, and attractive living environment for collegiate members.
The Omicron Alumnae Association owns and maintains the Chapter House. Responsibility for governance of the Corporation is held by an elected alumnae Board of Directors of nine members and voting representatives from the Chapter, including Chapter Advisors and voting executive officers from the Chapter. See our web site at: http://omicronaxo.wix.com/axo
Our House Corporation received Gold Certification for performance in key areas of responsibility from the National Housing Corporation of Alpha Chi Omega for 2010-2012.
2013-2014 Housing Corporation Board
Janice Simpson, President
Marcia Bowerman, Vice President
Jan Maxwell, Treasurer
Janelle Johnston, Assistant Treasurer
Sue Malloy, Recording Secretary
Ann Ebling, Corresponding Secretary
Julie Lougee, Facilities Management
Kaci Brutto, Publications
Joyce Webb, Risk Management
Contact may be made with the Board at email@example.com