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MIS171 - Business Analytics
Unit details
|2016 unit information
|Enrolment modes:
|Trimester 1: Burwood (Melbourne), Cloud (online)
Trimester 2: Burwood (Melbourne), Warrnambool, Waterfront (Geelong), Cloud (online)
|Credit point(s):
|Previously coded as:
|EFTSL value:
|Unit chair:
S Salzman
|Incompatible with:
|Contact hours:
Campus: 1 x 2 hour class, 1 x 1 hour lab per week
Cloud(online): Learning resources are via CloudDeakin
The digital revolution has changed the practice of business. Data to support business decisions (data collected by business systems as well as through the Internet and Social Media such as Facebook and twitter) are growing exponentially and becoming increasingly difficult to understand and use.
Business Analytics is the broad use of quantitative reasoning skills in business decision making. Business Analytics helps managers to solve complex business problems, improve business performance, anticipate and plan for change while managing and balancing risks. This unit will provide students with the analytical knowledge and skills to explore data to find patterns and relationships in data; assess uncertainty and risk of business decisions; evaluate decisions; and forecast and predict trends.
Assignment 20%, Assignment 20%, Examination 2 hours 60%
Hurdle requirement: achieve at least 50% of the marks available on the examination.
Unit Fee Information
All Commonwealth Supported Place (CSP), fee paying undergraduate and pre-2016 commencing students
Unit fee information available soon
2016 commencing International and full fee paying postgraduate domestic students
Your units are priced based on the course you are enrolled in. Please refer to the current year's course entry to estimate the unit cost.
You can calculate the cost of each unit by using the following calculation:
Course fee x unit EFTSL value = unit price

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Voya Financial's corporate responsibility mission is to create shared value for our company and the community by conducting business in a way that is socially, environmentally, economically and ethically responsible. The robust corporate responsibility work of Voya is focused around four pillars: 1) community investment; 2) multicultural affairs; 3) environmental sustainability; and 4) business practices and principles. Through its work within these pillars, Voya ensures shared value by aligning corporate responsibility with its corporate objectives.
Voya is committed to the following:
- Awarding grants through the Voya Foundation, the philanthropic arm of Voya.
- Supporting employee volunteerism by offering Voya employees paid time off to volunteer locally.
- Contributing matching gifts to organizations supported by Voya employees.
- Placing Voya leaders on non-profit boards of directors and in other strategic roles.
- Maintaining a diverse and inclusive workforce and respecting human rights.
- Decreasing the company's operational impact on the environment.
- Operating under the auspices of strong corporate values and adhering to a closely held code of conduct.
Voya maximizes its community impact by aligning charitable giving and partnership efforts with the core financial skills of its employees and by concentrating resources on helping to promote sustainable communities. Through carefully-designed signature philanthropy programs, the company is addressing some of the world's most pressing issues — financial illiteracy and accessibility to quality children's education. Signature programs include:
News Releases
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Studying Sustainable Finance
ING hosts electric vehicles for Earth Day
National Teacher of the Year
The mission of the National Teacher of the Year Program is to recognize and honor the contributions of the American classroom teacher—the backbone of our nation's educational system. The program, a project of the Council of Chief State School Officers, is the oldest and most prestigious awards program to focus public attention on excellence in teaching. Voya Financial has been supporting National Teacher of the Year since 2005. With a student dropping out of school every 26 seconds, Voya Financial believes we must do all we can do to empower children, teachers and administrators.
2015 National Teacher of the Year Shanna Peeples
2014 National Teacher of the Year Sean McComb
2014 National Teacher of the Year and State Teachers of the Year
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Voya Unsung Heroes
Voya Unsung Heroes demonstrates Voya Financial's commitment to the education community. Begun in 1995, grants are given to K-12 educators utilizing new teaching methods and techniques that improve learning.
Each year, educators submit applications for a Voya Unsung Heroes grant by describing projects they have initiated or would like to pursue. Each project is judged on its:
- Innovative method
- Creativity
- Ability to positively influence the students
For more than 15 years, and with nearly $4 million in awarded grants, Voya Unsung Heroes has proven to be an A+ program with educators. The program's "alumni" have inspired success in the classroom and impacted countless numbers of students.
Voya Unsung Heroes Logo
Voya Unsung Heroes 2014 First Place Winner
Voya Unsung Heroes 2014 Second Place Winner
Voya Unsung Heroes 2014 Third Place Winner
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Voya-Girls Inc. Investment Challenge
Launched in 2009, the Voya-Girls Inc. Investment Challenge is a partnership between the Voya Foundation and Girls Inc. that gives participating girls practical, hands-on investing experience while allowing them to keep their gains in the form of college scholarships. With the help and guidance of trained Girls Inc. staff and Voya employee volunteers, teams of girls ages 12-18 build and manage diversified, real-time portfolios as part of an integrated investment- and economic-literacy curriculum.


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Despite Report, It's Unlikely for Lubomir Visnovsky to Stay With HC Slovan (KHL)
Kevin Schultz
Lubomir Visnovsky has been in the news an awful lot since the last time we saw a hockey game. He got traded to the Islanders at the draft in June, was thinking about not coming to LI, crashed his Ferrari in Europe, and ultimately lost an appeal of the trade. So all in all, he's still an Islander.
During the lockout, Visnovsky has been playing for HC Slovan of the KHL. It's his home town team per se, as he skated with them during the last lockout and all the way back in 1999, prior to being drafted into the NHL. This afternoon, the Islander section of Twitter is lighting up about something Lubomir Visnovsky said following Slovan's last game on Friday that might indicate he won't re-join the Islanders in the coming weeks.
LĽubomír Višňovský enters into discussions with HC SLOVAN Bratislava general manager Maroš Krajči over a deal to remain with the club.
Despite the conclusion of the NHL lockout Sunday morning, with the NHL and NHLPA agreeing tentatively to a new collective bargaining agreement, and the proposed start of the 2012/13 NHL season, HC SLOVAN fans may not have seen the last of Ľubomír Višňovský yet. The popular defenceman received an offer from the club before today's match against Metallurg Magnitogorsk. Following the end of the Metallurg game, where Višňovský and fellow Andrej Sekera received the appreciation of a sold-out Slovnaft Arena, Višňovský admitted that he highly considered the offer from the club.
Whether he wants to or not, Visnovsky is more than likely going to have to join the Islanders.
For starters, let's all remember that this post come from HCSlovan.sk, the team's website. It goes without saying that they might want to stoke the fire on this one. While news reports coming out of Europe are one thing, a story on a team's official site could have a whole other agenda, just like it could in North America.
Secondly, while it makes sense for Visnovsky to want to stay in the KHL, it's not likely. Of course, he's gotten a taste of home for the last few months and it may seem like staying in the KHL would be ideal from his point of view. But Visnovsky staying in the KHL would open up a whole can of worms between the NHL and KHL that neither side likely wants to start a war about. Especially not over a 36-year old with six months left on his NHL deal (if this was Alex Ovechkin, might be a different story).
The KHL and NHL have a Memorandum of Understanding and while that's not a rock solid transfer agreement, the two sides have abided by it since it was signed in June 2011 and re-signed in 2012. For either side to break it over a guy at the tail end of his career is unlikely. When push comes to shove, the KHL would likely tell HC Slovan to back off or else risk losing the positive relationship both sides have had in recent years.
Another option is that the Islanders and HC Slovan could work out a transfer agreement that would keep Visnovsky in the KHL. For the Islanders, a team that desperately needs to make the playoffs, it's worth it to keep Visnovsky on the Coliseum ice for six months rather than take whatever money would be offered in return. The Islanders may have money issues, but they're certainly not broke enough to sell Visnovsky for pennies on the dollar.
Finally, the Islanders could straight up use one of their compliance buyouts on Visnovsky but, again, that doesn't make sense given they probably want him on the ice (plus those buyouts might not be available until June, when his contract is up anyway).
So take a deep breath, Islander County. Barring the KHL starting a war over a 36-year old defender who is six months from bolting for Europe anyway, I think we'll see Visnovsky in an Islander uniform soon.


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Tag Archives: Colin Firth
Episode #15: Robert McDonald
For realsies. Go to the Google website and Google internet search "Hand in wheat field" and prepare yourself for that deluge of Getty Images. It is insane. Literally certifiable. Today's Jon Reads the Paper brings you Grace Sadie. Join us, … Continue reading
Episode 15: [ 47:04 | 32.32 MB ] Play Now | Play in Popup | Download
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Technical Specifications
- Dimensions: Seat- 13.5H x 15.5W Back- 21.5H x 15.5W
- Construction: Constructed of rugged canvas, padded backrest and seat with fiberglass stays sewn in place for both backrest and seat support. Available in Mossy Oak new break-up canvas as well as all other color options of canvas.
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All of our handmade packs and bags are built to last in Duluth, Minnesota, USA. Our factory, where we have been building our products since 1911, is home to an extremely talented group of sewers, riveters, and leather craftspeople. Each piece of Duluth Pack gear is painstakingly built by hand with the attention and detail that only a true artisan can provide. We stand behind our work and are proud to offer a lifetime warranty covering all craftsmanship and hardware we use in the construction of our products. Craftsmanship includes our sewing and riveting. Hardware includes all zippers, buckles, D-rings, snaps, and any other parts utilized in the manufacturing of our bags. If at anytime during the life of your Duluth Pack product you have problems in these areas, return the product and it will be repaired free of charge. If the product cannot be repaired due to a defect in craftsmanship or faulty hardware, we will be happy to replace the item at Duluth Pack's discretion. While your Duluth Pack item is designed to provide you with many years of use, Duluth Pack is not responsible for common wear and tear or misuse of your product and is therefore not covered by our warranty. Of course, damages not covered under warranty can usually be repaired at a minimal cost. We sincerely value your patronage and will always do our absolute best to go the extra mile to ensure that you are happy with every Duluth Pack purchase.


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Bonavita Coffee Makers
Exceptional Kettles and Coffeemakers
The mission of the folks at Bonavita is to ensure that you enjoy the full flavor of your favorite hot beverage. The European designed and engineered kettles and coffeemakers are made with discerning coffee drinkers in mind.
SCAA certified kettles and coffeemakers
Bonavita kettles are designed for controlled pouring and ease of use, whether brewing tea or manually brewing pour-over coffee. Bonavita Kettles are the only ones currently certified by the Specialty Coffee Association of America (SCAA).
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Product Details
Universal Friction Mount for Montana Series (010-11654-04) by Garmin®. As a leading worldwide provider of navigation, Garmin is committed to making superior products for automotive, aviation, marine, outdoor and fitness markets that are an essential part of customers' lives.
- Wide Selection of Accessories From The Leader in GPS Navigation
- 1 Year Warranty on All Products
Garmin is a global company with offices in the U.S., Europe and Asia. At those facilities, they carry out various stages of product development, from initial concept to mass production of shelf-ready units. Their "vertical integration" business model keeps all design, manufacturing, marketing and warehouse processes in-house, allowing them to maintain a high level of quality while also responding more quickly to the ever-changing marketplace.61.41Brand: Garmin Part Number: 010-11654-04 UPC: 753759977467
Garmin GPS Systems are known for the high-tech ideas, the brand usually involves when creating their navigators. GPS systems by Garmin are designed with the customer in mind, reducing the stress of navigation while travelling by easy-to-use menus, logical options and intuitive features. From marine and aviation to automotive, wireless GPS systems by Garmin for outdoor recreation and travel can be met on the water, in the air, behind the wheel, in the woods and on the run. It does not matter where you are, using Garmin GPS for the first time make you quickly realize the wealth of information that can be packed into a compact, portable unit. The Brand is constantly thinking of ways to adapt and improve their products. At Garmin, you never know what the next great idea will be born - but you will soon find out.
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You will never pay more with CARiD! Not only will we match prices from any competitor's website or other reputable source, we will continue to honor that promise for up to one year after your purchase.
We'll match the price at time of purchase, or refund you the difference if done after the purchase. Either way, we are totally committed to providing you the best online shopping experience.
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Our huge database is regularly cross-checked to keep it current and optimized. At times, our thoroughness makes our data even more accurate than our suppliers! This rigorous process means that you can always order with confidence.


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- Northern New York Newspapers
- Watertown
- Ogdensburg
- Massena-Potsdam
- Lowville
- Carthage
- Malone
- NNY Business
- NNY Living
- NNY Ads
Northern Bakery Supply, a fixture in Watertown since 1973, will shut its doors at 465 Holly St. for the final time Friday, as food distributor Renzi Bros. Inc. has bought the companys inventory and customer contracts.
Northern Bakery Supply owner Melanie J. White said she is pleased the business will be in the hands of the Renzi family, whom she described as former friendly competitors for business in the region.
Were both locally owned companies that have stayed in two generations of families, and I wanted to keep the business local, she said, adding that her four employees have been offered jobs at Renzi, based at 90 Rail Drive in Watertown. Northern Bakery will turn over to Renzi about 200 contracts with clients based in Jefferson, Lewis and St. Lawrence counties.
Renzi distributes food to restaurants, grocery stores, schools and health-care facilities, and owns a fleet of 26 trucks that covers six states from Ohio to Maine.
In 1973, Mrs. Whites father, Carmelo Gorri, bought the small niche distributor of bakery products, then on Polk Street, from Joseph and Michael Chiappone, who started it in the 1950s. Mrs. White and her husband, Peter, bought the business from Mr. Gorri in 1986. Mr. White died last year.
The business, which the Whites moved to Holly Street, specialized in selling flour, sugar, chocolate chips and spices.
We made a good living here and served great people, Mrs. White said. Its the customers were going to miss the most. Ive heard so much positive feedback from them.
Mrs. White said that before she retires, she will work for Renzi to help the company make the transition.
This was a perfect opportunity for Melanie to get an exit strategy for her business, because her customer base is similar to ours, said John M. Renzi, co-owner of Renzi Bros. Their business portfolio folds into ours. Its bakery-driven, and she sells a lot of bakery goods to restaurants. For us, its a unique opportunity to keep the business local.
He added that the Renzi and White families have been friendly competitors over the years whove always held each other in high esteem.
We were competitors, but at the same time we had a lot of respect with the White family and they way they did business, Mr. Renzi said. Thats what were hoping to continue.
Thousands of readers like you have made Northern New York Newspapers the number one ranked website* for local news and sports coverage in the north country.
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Home Depot Gift Card
$100 Gift Card - Gift Card Printed in English
Model: 5782 | Internet/Cat: 980682 | Store SKU: 1000800022
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Give the gift of home improvement - perfect for any gift-giving occasion! Redeemable at any The Home Depot store in Canada. Never expires and no service fees. Available in $20, $50, $100 and $200.
- Perfect for any gift-giving occasion!
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- Great gift idea for birthdays, holidays and housewarmings
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Blowhard Don Cherry Weighs in on Timeout Gate, Calls Capuano "The Islander Guy"
It's not a Saturday night in Canada if an old man in a suit cut out of the carpet in your grandma's house isn't yelling at a TV camera. As he does each week, Don Cherry yelled at different stories from the week in the NHL on Hockey Night in Canada. In the final portion of his seven minute segment Cherry set his sights on Isles coach Jack Capuano for the time out he called at the end of the Red Wings/Islanders game on Tuesday night.
"You young coaches out there I have to tell ya something, never do what the, uh, Islander guy did," Cherry said starting off the segment in true Cherry form by forgetting Capuano's name. "How anyone could be so stupid and call a timeout with 30 seconds to go," he continued before prattling on to the 'young coaches out there.'
Here's the video for your viewing


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Tag Archives: Peter Gammons
Reasons to like the Cards 1st round draft pick Kolten Wong
The Cardinals selected 2B Kolten Wong with the 22nd pick yesterday in the 2011 draft. It seems the reviews are mixed, and I think both sides have good points. Basically, if Wong doesn't hit the ball and do it quickly, … Continue reading
Posted in June11 Tagged Carlos Baerga, Carlos Pena, Evan Longoria, Jason Varitek, Kolten Wong, Peter Gammons Leave a comment


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How to improve your SEO Rank for Christmas
Through the years an increasing amount of people are doing their shopping for Christmas online. A large proportion of these people are using Google to find what they are looking for. Therefore the big question for you is:
Can your customers find your online business and the products you sell on Google?
Why you should improve your search engine ranking for Christmas now?
It takes time to build your page rankings in Google. Therefore you should get started on preparing the Christmas sales for your online business now. This is also the case if your website is well optimized at the moment, as you then want to keep this rankings all the way up to Christmas. So, regardless if your website is optimized to day or not, it will be a good idea to evaluate it, make a plan for your Christmas SEO, and execute the plan.
Online businesses that do have a good SEO rank.
If you make a Google search and find that you rank well on the keywords that you want to, you need to evaluate if the SEO strategy that you have used already will also keep you up in the search engines in the future.
Google have made two major updates recently called Panda and Penguin. Panda focuses on the content and quality of your website and Penguin on the links that you get to your website. Both of these updates are adjusted regularly so we have not seen the full effect of them just yet.
Panda's effect on your SEO ranking.
Panda aims to ensure that your web pages are downloading quickly and that the user experience is generally good. One way Google tries to guard the user experience, is by ensuring that the pages you have indexed for your online business are of a good quality. For you, this means that if you are unsure about the quality of a page, then you should tell Google not to index it.
Apart from this the quality of a page, Google also looks at how long you customers stay on your site, how many pages they view, how many links they click on etc. You should therefore do everything you can to optimize this.
Penguin's effect on your SEO ranking.
With the introduction of Penguin a lot of links, which previously gave a good value, did suddenly loose their worth. In some cases Penguin indicates that links can be harmful for your page rank. This is the case if they are mostly of a poor quality. It is therefore important that you take a good look at your current link profile and evaluate the weaknesses it may have.
Online businesses that do not have a good SEO rank.
If you make a Google search and can't find some of the products, product types or brands sold in your web shop, it's time to get started with some basic SEO. Apart from this, it would properly also bee a good idea to do some advertising on Google Adwords (you can read how to set up your Google Adwords campaign here).
Step 1: Keywords and competition.
First of all you need to figure out how your potential customers are searching for the products that you are selling and what amount of competition exists on these searches. The aim here is to identify the searches that you think will generate sales and that have a reasonably amount of competition. Remember the aim is to rank well on these searches before Christmas so the competition can't be too tough.
Google's own keyword tool can be used for this exercise. Another great tool that I use is Market Samurai. You can download a free trail of Market Samurai here.
Step 2: Analyze your website.
It is very important that you have a good structure on your website, so that the search engines will not be confused when indexing it. Take a good look at your website structure and see if it seems logical. This will have a positive effect on both the search engines and your customers. You also need to make sure that the load time for you site is good. To have a sense of what Google think of your website load time and more, you can use Google's own Webmaster tool.
Step 3: Implementation of keywords.
You also need to have a look at the content of your site. You have to make sure that the description of your product categories as well as your products are unique and well optimized for the search engines. That is, the keywords in step one needs to be implemented. An important thing to bear in mind is not to loose focus of the customer. The texts you write needs to sell the products to the customer and not read as if they are optimized for the search engines. Furthermore you also need to optimize all of your page titles and META descriptions.
Step 4: Get links to your site.
Lastly you need to find backlinks to your website. These links need to be both to the front page of your site and to the specific product pages. To get more links you should think about some activities that you could, do to make more people link to you. Here are some examples of activities:
• Competitions.
• Cool content.
• Videos.
• Games.
You can read more about how to do link building in my article here.
Where should you go from here?
All of this may sound like a lot to get started on, but it will be well worth you effort, if you can get a part of the increasing online Christmas sales. So despite of the workload optimizing your site for better SEO ranking is, it may very well be worth it. A good way not to get overwhelmed by the workload is to break it down into small pieces.
Maybe you can do some of the Christmas SEO yourself or maybe you need to hire somebody to do it for you. Regardless of how you want to do it, it is important that you get started, so that you can see the effect when your customers start searching for their Christmas shopping.
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The Coaching Wire: Monday, Feb. 11, 2013
Chris Naeole to join Hawaii staff
Chris Naeole, a former All-American at Colorado and an 11-year NFL vet, will join Norm Chow's staff at Hawaii. An opening was created with Tommy Lee's retirement as offensive coordinator in December. Chow said there will be an "adjustment" to the coaching staff, and assignments on offense still are to be determined. Naeole spent the past two years coaching at Iolani High School in Honolulu.
Purdue announces Gerad Parker hire
Purdue's Darrell Hazell has officially announced the hiring of tight ends coach and recruiting coordinator Gerad Parker. Parker was previously wide receivers coach at Marshall. Parker spent the past two seasons at Marshall. Before that, he spent three seasons at UT-Martin as the Skyhawks' passing game coordinator, recruiting coordinator, wide receivers and running backs coach. He began his collegiate coaching career as a graduate assistant at Kentucky, his alma mater.
Matt Mattox hired at Eastern Illinois
Matt Mattox has joined Dino Babers' staff at Eastern Illinois as offensive line coach. Mattox has six years experience as an offensive line and tight ends coach in the junior college ranks. Last year, he was offensive coordinator at Coffeyville (Kan.) Community College, and before that, Mattox spent five seasons as the offensive line/tight ends coach at Butler (Kan.) C.C.


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15 U.S. Code § 1681 - Congressional findings and statement of purpose
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(a) Accuracy and fairness of credit reporting
The Congress makes the following findings:
(1) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
(2) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
(3) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
(b) Reasonable procedures
It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Source(Pub. L. 90–321, title VI, § 602, as added Pub. L. 91–508, title VI, § 601,Oct. 26, 1970, 84 Stat. 1128.)
Effective Date of 2003 Amendment
Pub. L. 108–159, § 3,Dec. 4, 2003, 117 Stat. 1953, provided that: "Except as otherwise specifically provided in this Act [see Short Title of 2003 Amendment note set out under section 1601 of this title] and the amendments made by this Act—
"(1) before the end of the 2-month period beginning on the date of enactment of this Act [Dec. 4, 2003], the Board and the Commission shall jointly prescribe regulations in final form establishing effective dates for each provision of this Act; and
"(2) the regulations prescribed under paragraph (1) shall establish effective dates that are as early as possible, while allowing a reasonable time for the implementation of the provisions of this Act, but in no case shall any such effective date be later than 10 months after the date of issuance of such regulations in final form."[For final rules adopted by Board of Governors of the Federal Reserve System and Federal Trade Commission establishing effective dates for provisions of Pub. L. 108–159, see 68 F.R. 74467 (joint interim final rules) and 69 F.R. 6526 (joint final rules).]
Effective Date
Section 504(d) ofPub. L. 90–321, as added by Pub. L. 91–508, title VI, § 602,Oct. 26, 1970, 84 Stat. 1136, provided that: "Title VI [enacting this subchapter] takes effect upon the expiration of one hundred and eighty days following the date of its enactment [Oct. 26, 1970]."
Short Title
This subchapter known as the "Fair Credit Reporting Act", see Short Title note set out under section 1601 of this title.
Study of Effects of Credit Scores and Credit-Based Insurance Scores on Availability and Affordability of Financial Products
Pub. L. 108–159, title II, § 215,Dec. 4, 2003, 117 Stat. 1984, provided that:
"(a) Study Required.—The Commission and the Board, in consultation with the Office of Fair Housing and Equal Opportunity of the Department of Housing and Urban Development, shall conduct a study of—
"(1) the effects of the use of credit scores and credit-based insurance scores on the availability and affordability of financial products and services, including credit cards, mortgages, auto loans, and property and casualty insurance;
"(2) the statistical relationship, utilizing a multivariate analysis that controls for prohibited factors under the Equal Credit Opportunity Act [15 U.S.C. 1691 et seq.] and other known risk factors, between credit scores and credit-based insurance scores and the quantifiable risks and actual losses experienced by businesses;
"(3) the extent to which, if any, the use of credit scoring models, credit scores, and credit-based insurance scores impact on the availability and affordability of credit and insurance to the extent information is currently available or is available through proxies, by geography, income, ethnicity, race, color, religion, national origin, age, sex, marital status, and creed, including the extent to which the consideration or lack of consideration of certain factors by credit scoring systems could result in negative or differential treatment of protected classes under the Equal Credit Opportunity Act, and the extent to which, if any, the use of underwriting systems relying on these models could achieve comparable results through the use of factors with less negative impact; and
"(4) the extent to which credit scoring systems are used by businesses, the factors considered by such systems, and the effects of variables which are not considered by such systems.
"(b) Public Participation.—The Commission shall seek public input about the prescribed methodology and research design of the study described in subsection (a), including from relevant Federal regulators, State insurance regulators, community, civil rights, consumer, and housing groups.
"(c) Report Required.—
"(1) In general.—Before the end of the 24-month period beginning on the date of enactment of this Act [Dec. 4, 2003], the Commission shall submit a detailed report on the study conducted pursuant to subsection (a) to the Committee on Financial Services of the House of Representatives and the Committee on Banking, Housing, and Urban Affairs of the Senate.
"(2) Contents of report.—The report submitted under paragraph (1) shall include the findings and conclusions of the Commission, recommendations to address specific areas of concerns addressed in the study, and recommendations for legislative or administrative action that the Commission may determine to be necessary to ensure that credit and credit-based insurance scores are used appropriately and fairly to avoid negative effects."
FTC Study of Issues Relating to the Fair Credit Reporting Act
Pub. L. 108–159, title III, § 318,Dec. 4, 2003, 117 Stat. 1998, provided that:
"(a) Study Required.—
"(1) In general.—The Commission shall conduct a study on ways to improve the operation of the Fair Credit Reporting Act [15 U.S.C. 1681 et seq.].
"(2) Areas for study.—In conducting the study under paragraph (1), the Commission shall review—
"(A) the efficacy of increasing the number of points of identifying information that a credit reporting agency is required to match to ensure that a consumer is the correct individual to whom a consumer report relates before releasing a consumer report to a user, including—
"(i) the extent to which requiring additional points of such identifying information to match would—"(I) enhance the accuracy of credit reports; and "(II) combat the provision of incorrect consumer reports to users;
"(ii) the extent to which requiring an exact match of the first and last name, social security number, and address and ZIP Code of the consumer would enhance the likelihood of increasing credit report accuracy; and
"(iii) the effects of allowing consumer reporting agencies to use partial matches of social security numbers and name recognition software on the accuracy of credit reports;
"(B) requiring notification to consumers when negative information has been added to their credit reports, including—
"(i) the potential impact of such notification on the ability of consumers to identify errors on their credit reports; and
"(ii) the potential impact of such notification on the ability of consumers to remove fraudulent information from their credit reports;
"(C) the effects of requiring that a consumer who has experienced an adverse action based on a credit report receives a copy of the same credit report that the creditor relied on in taking the adverse action, including—
"(i) the extent to which providing such reports to consumers would increase the ability of consumers to identify errors in their credit reports; and
"(ii) the extent to which providing such reports to consumers would increase the ability of consumers to remove fraudulent information from their credit reports;
"(D) any common financial transactions that are not generally reported to the consumer reporting agencies, but would provide useful information in determining the credit worthiness of consumers; and
"(E) any actions that might be taken within a voluntary reporting system to encourage the reporting of the types of transactions described in subparagraph (D).
"(3) Costs and benefits.—With respect to each area of study described in paragraph (2), the Commission shall consider the extent to which such requirements would benefit consumers, balanced against the cost of implementing such provisions.
"(b) Report Required.—Not later than 1 year after the date of enactment of this Act [Dec. 4, 2003], the chairman of the Commission shall submit a report to the Committee on Banking, Housing, and Urban Affairs of the Senate and the Committee on Financial Services of the House of Representatives containing a detailed summary of the findings and conclusions of the study under this section, together with such recommendations for legislative or administrative actions as may be appropriate."
FTC Study of the Accuracy of Consumer Reports
Pub. L. 108–159, title III, § 319,Dec. 4, 2003, 117 Stat. 1999, provided that:
"(a) Study Required.—Until the final report is submitted under subsection (b)(2), the Commission shall conduct an ongoing study of the accuracy and completeness of information contained in consumer reports prepared or maintained by consumer reporting agencies and methods for improving the accuracy and completeness of such information.
"(b) Biennial Reports Required.—
"(1) Interim reports.—The Commission shall submit an interim report to the Congress on the study conducted under subsection (a) at the end of the 1-year period beginning on the date of enactment of this Act [Dec. 4, 2003] and biennially thereafter for 8 years.
"(2) Final report.—The Commission shall submit a final report to the Congress on the study conducted under subsection (a) at the end of the 2-year period beginning on the date on which the final interim report is submitted to the Congress under paragraph (1).
"(3) Contents.—Each report submitted under this subsection shall contain a detailed summary of the findings and conclusions of the Commission with respect to the study required under subsection (a) and such recommendations for legislative and administrative action as the Commission may determine to be appropriate."
Pub. L. 108–159, § 2,Dec. 4, 2003, 117 Stat. 1953, provided that: "As used in this Act [see Short Title of 2003 Amendment note set out under section 1601 of this title]—
"(1) the term 'Board' means the Board of Governors of the Federal Reserve System;
"(2) the term 'Commission', other than as used in title V [20 U.S.C. 9701 et seq.], means the Federal Trade Commission;
"(3) the terms 'consumer', 'consumer report', 'consumer reporting agency', 'creditor', 'Federal banking agencies', and 'financial institution' have the same meanings as in section 603 of the Fair Credit Reporting Act [15 U.S.C. 1681a], as amended by this Act; and
"(4) the term 'affiliates' means persons that are related by common ownership or affiliated by corporate control."
LII has no control over and does not endorse any external Internet site that contains links to or references LII.


text:
In response to coolade2's comment:
In response to jimmytantric's comment:
It makes total sense--I tried to explain to coolade BEFORE 56RedSox picked that he'd wind up with the Colts due to the order of both Quagmires and 56RS picks?
Um ... how can you explain BEFORE 56RedSox picked ....?
That was the confusing part... if 7-8 go bengals-chiefs then you would get 49ers and I would have gotten panthers... right?
Image via colts.com
butt, ^^^
The commish has ruled and I get the way it was done .... like I said no big deal.
Simple math but I have a Masters in Physics and have been told I make no sense many times in my life so Par for the course. Good luck,(no pun intended)-I actually wanted the Colts VS Panthers due to their higher percentage of point possibilites if they survived the first round,( yet I did not anticipate a Cinci loss), If a WC team makes it to the SB I have it at 116 points to win and if its a second round team I have it at 97 points for the title-based on rough calculations.


text:
The 2012 USO Gala celebrated the courage and honor displayed by the USO Service Members of the Year while giving attendees many lasting – and often humorous – memories through stories and words of appreciation.
Singer and actress Jordin Sparks provided the entertainment for the evening, performing three songs. Sparks participated in Gen. Martin Dempsey's first USO holiday tour in 2011.
USO Mistress of Ceremonies FOX 5 News morning host Allison Seymour.
Members of the Dallas Cowboys Cheerleaders assisted with the awards presentation, continuing a long history of cooperation with the USO. The troupe will soon embark on its 75th overseas tour, more tours than any other entertainment group in USO history.
FOX's "MasterChef" Season 2 winner Jennifer Behm offered her talents to the gala by preparing cakes and cocktails for attendees.
General Richard B. Myers, U.S. Air Force (Ret.) and 15th Chairman of the Joint Chiefs of Staff and USO Board of Governors Chairman and his wife, Mary Jo, are flanked by his daughters.
Congressmen and USO Congressional Caucus co-chairman Silvestre Reyes (D- Texas), and his wife, Carolina, enjoyed the evening's festivities.
Sgt. Clifford M. Wooldridge: USO Marine of the Year
Petty Officer Gregory F. Gaylor: USO Sailor of the Year
Staff Sgt. Christopher S. Beversdorf: USO Airman of the Year
Staff Sgt. Jacob J. Perkins: USO Soldier of the Year
Sgt. Richard Schuh: USO Volunteer of the Year
Petty Officer 2nd Class Nicholas A. Beane: USO Coast Guardsman of the Year
Lt. Gen. William Troy, U.S. Army, and his wife, Paula, took a timeout for the camera. Lt. Gen. Troy had the opportunity to introduce the Soldier of the Year award.
Gen. Joseph Dunford, U.S. Marine Corps, and his wife, Ellyn, entered the event. Gen. Dunford introduced the Marine of the Year award.
Vice Admiral Manson Brown, U.S. Coast Guard, and his wife, Hermina, paused a moment on the red carpet reception prior to the program. Vice Admiral Brown presented the Coast Guardsman of the Year award.
Rear Admiral T. McCreary, U.S. Navy (Ret) from Military.com is a co-chairman of the USO Gala steering committee.
Former Chairman, President and CEO of Central Newspapers Louis A. "Chip" Weil and his wife, Daryl, (left) joined fellow USO Board of Governors member Debra Langford for a quick photo.
NFL Hall of Famer and USO supporter Kellen Winslow stops for a photo.
Cartoonist Bruce Higdon sketches a caricature of a guest during the cocktail hour of the gala. The National Cartoonists Society (NCS) has been working with the USO since WWII. Roughly 100 cartoonists and caricaturists have participated in USO tours since 2005.
The Presentation of Colors by the Armed Forces Color Guard started the evening.
"The President's Own" U.S. Marine Corps Band performed the National Anthem.
Rear Admiral Margaret Grun Kibben, CHC, U.S. Navy, gave the evening's invocation.
USO President and CEO Sloan Gibson delivered a welcome to all attendees.
"As we look to the future we know the men and women serving our country and their families will continue to face challenges and we will continue to help them meet those challenges. We will be there for them, no matter what. That's today's USO."
Stephen W. Green, Vice President of Policy, Government and Public Affairs for Chevron introduced the entertainment for the evening, Jordin Sparks.
Singer Jordin Sparks delivered three of her most popular songs, including "Battlefield" and "No Air."
Sparks said of her USO entertainment tour experience: "It touches people and they remember and for me, I'll never forget."
Chairman of the Joint Chiefs of Staff Gen. Martin Dempsey used several Yogi Berra quotations to help describe the types of things that the USO offers to troops and their families.
When mentioning the Yogi-ism of "Little things are big," Gen. Dempsey added: "Think about that and what the USO does … They're not really big things when you really confront them. They're little things. A smile. A place to feel at home. A place to make a phone call. Little things … Yogi was right."
Secretary of Defense Leon Panetta described how the USO affected him as a young boy growing up in Monterey, Calif., during World War II to greet returning troops through Catholic school trips and then as a lieutenant in the Army.
"We pay tribute to the great legacy of the USO, its long history and proud legacy of helping all of those who have served this country in uniform. … We owe it to [the servicemen and women], no matter where duty calls, to honor their service and to support them in every way possible."
Jane Novak-Cook, General Manager, Customer Business Development, NA Food Channel for P&G, highlighted the popular P&G Beauty and Grooming Lounge event that was held prior to the gala for the troops and their families.
USO Soldier of the Year: Staff Sgt. Jacob J. Perkins, presented by Lt. Gen. William Troy.
The courage that Staff Sgt. Perkins displayed by entering a burning passenger bus to assist and evacuate civilians from the scene of an accident near Waterloo, N.Y., earned him the prestigious honor.
USO Marine of the Year: Sgt. Clifford M. Wooldridge, presented by Gen. Joseph Dunford.
Sgt. Wooldridge – this year's USO Marine of the Year – demonstrated courage and extraordinary acts of heroism while serving in Afghanistan as vehicle commander during multiple engagements with enemy forces, including several preemptive attacks and one hand-to-hand combat episode.
USO Sailor of the Year: Petty Officer Gregory F. Gaylor, presented by Adm. Jonathan W. Greenert.
As this year's USO Sailor of the Year, EOD2 Gaylor heroically distinguished himself as a seasoned combat leader from Dec. 2011 to June 2012 when he expertly led a three-man EOD team during combat operations in Afghanistan.
USO Airman of the Year: Staff Sergeant Christopher S. Beversdorf, presented by Gen. Mark A. Welsh III.
Staff Sgt. Beversdorf distinguished himself as an exemplary joint terminal attack controller in a harrowing episode during 2011's Operation Hammer Down in Afghanistan, earning him this year's USO Airman of the Year award.
USO Coast Guardsman of the Year: Petty Officer 2nd Class Nicholas A. Beane, presented by Vice Admiral Manson Brown.
This year's USO Coast Guardsman of the Year, Maritime Enforcement Specialist Beane, demonstrated bravery and regard for life when he assisted during an F/A-18D crash in Virginia Beach, Va.
USO National Guardsman of the Year: Senior Airman Evan J. Stevens, presented by Gen. Frank J. Grass.
Senior Airman Stevens earned this year's USO National Guardsman of the Year when he demonstrated initiative and heroic achievement when he served as a squad rifleman, aide and team member for a 20-person dismounted patrol in Afghanistan.
USO Volunteer of the Year: Sergeant Richard Schuh, presented by Gen. Richard Myers (right) and Chief Talent Officer for jcpenney Daniel E. Walker.
Sgt. Schuh, while recuperating from his injuries in Kandahar, Afghanistan, dedicated more than 200 hours from Aug.-Sept. 2011 to the USO, earning him the recognition of this year's USO Volunteer of the Year.
TriWest Healthcare Alliance President and Chief Executive Officer David J. McIntyre, Jr. and Gibson presented the Mullens with the Spirit of the USO award following a video tribute from Academy Award-winning actor and USO tour veteran Robin Williams: "From the first met, it's been a great adventure. The USO thanks you, I thank you and your country thanks you for all that you've done and will continue to do."
Deborah Mullen demurred when given the award for her service. "Really, when you think about it, the heart and the soul and the spirit are really all the staff and volunteers who are serving around the world, around the clock. They're in installations, at airports, they're in theater, they're in harm's way. And they're the ones that really, we need to recognize."
Adm. Michael G. Mullen spoke on behalf of our returning troops as conflicts abroad come to a close. "This has been a great evening and we are honored. All of you who are here, your task is to reach out, find those veterans and figure out how to just give them the start they need as they transition. They won't need much, they will take it over and they will change this country and lead this country time and time again."
USO Photos by Mike Theiler
View the full set on Flickr
We would love to hear from you.
USO P.O. Box 96860 Washington, DC 20077-7677 Phone: 1-888-484-3876
© 2015 USO, Inc. All Rights Reserved.


text:
AU women's hoops win 73-62
Anderson University women's basketball beat Newberry 73-62 in a semifinal game of the South Atlantic Conference Tournament at Furman University in Greenville. The final is on Sunday at 1:30 p.m. The team was given trophies and conference honors after the semifinal game. Jim Brunelli is SAC coach of the year. Alissa Diaz is player of the year.


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We come together at a moment of great hope and equal challenge with respect to the refugee situation in Afghanistan. We celebrate the return of nearly six million people to Afghanistan from neighboring countries, a clear reflection of the progress we have collectively achieved in rebuilding and stabilizing the country. People are voting for a better life for themselves and their families. Indeed, this is an expression of confidence in the future, one that the United States government has been able to support with more than $700 million in assistance for refugees and returnees over the past decade.
Ten years ago, I took part in the first Tokyo conference on Afghanistan on behalf of the United States Government. In many ways, I have a strong sense of deja vu. In January 2002, in the wake of the fall of the Taliban, the world came together to pledge our mutual commitment to support the stability and reconstruction of a fragile and devastated Afghanistan. Working together as a community in support of the Afghan people and government, we have kept faith over the past decade. This fact is reflected in a 15 year increase in life expectancy for the Afghan people; the presence of some seven million students – of which nearly 40 percent are girls -- in schools; a huge decline in infant and maternal mortality; and a three-fold increase in per capita income.
In Tokyo, the international community and the Afghans will come together to discuss the best way to solidify the progress we've made in the past decade. The timing of this conference is significant because it some so quickly on the heels of the G8 in Chicago that focused on the 2014 transition. As we all know, there are really two transitions in 2014 - the transfer of security operations to the Afghans, and also the first democratic transfer of power in the history of Afghanistan.
Dignity and freedom were the banners of the peaceful revolutionaries. They came carrying dignity, and another banner as well, their humanity. They were searching for the humanity inside them; they lost their humanity because of oppression, corruption and injustice. They came sacrificing their lives, their money, their property, and their children – carrying dignity and humanity. The dignity they were asking for was not in vain. This is something God has granted them.
All religions in the world talk about the dignity of the human being. Islam talks about dignity for humans; this is a part of the Quran. Also, the same thing is in the Holy Bible. This dignity comes from humans as a means for rights. This dignity is a regional value that is carried by all human beings, despite their backgrounds or their beliefs. The youths of the Arab Spring and the women raise a banner of dignity, freedom and justice. Free people of the world – let us work for the dignity of all people.
And in the forefront of the Arab Spring, let us support dignity there; let us support dignity in your own countries. You may be surprised why I say your country instead of our country – because i always believed that humanity, that all of the people of the world are one nation. All of humanity is one nation, and all of the people are brothers.
I am very pleased to witness the signing of the Development Objective Agreements between the United States Agency for International Development and the Government of Ethiopia. These agreements cover the first year of the new five-year USAID Country Development Strategy and reflect the close consultation and cooperation of our two governments in all areas of social and economic development and in all regions of Ethiopia.
Every year, we come to the Ministry of Finance and Economic Development to sign bi-lateral assistance agreement that describe the mutually agreed upon plans for development cooperation between the U.S. Government, through USAID, and the Government of Ethiopia, through the Ministry, working on various sectors of social and economic development.
JACK LESLIE: Well, good morning, everyone, and welcome to the Advisory Committee on Voluntary Foreign Aid. I'm Jack Leslie. I am delighted to serve as chair for our proceedings today. I'll try to keep things on track. I wanted to start by thanking Georgetown University. They've been very nice to provide their facilities all week long for so many activities, and this big tent, which I guess gives new meaning to the word open meeting. We certainly have an open meeting. We're glad too, that all of you came to join us this morning.
Good morning. I want to thank Dean Lancaster for opening up Georgetown for partnership and hosting this important session today. I want to thank Minister Tedros and Mr. Azad from Ethiopia and India, respectively, for co-convening this effort and the executive director of UNICEF, Tony Lake, for your leadership in making all of this possible.
I know we're all also quite excited to hear from both Secretary Clinton and Ben Affleck this morning. And so we're eager to see them and I thank so many honored guests and excellencies who have come from around the world to be with us. Welcome to Washington.
Thinking back to the lesson of the Central African Republic, our strategies must involve them as planners, implementers and beneficiaries of all our programs. We have an expression at AID: "Nothing about them without them." Let that admonition guide our work over the next two days. I wish you a productive two days, and I look forward to the outcome of your deliberations and follow up actions.
As you've probably had to explain to your grandparents, I'm Raj Shah, Administrator of the United States Agency for International Development. Hopefully that explanation was easier than usual, because unlike many audiences I'm asked to speak to, most of you have actually heard of USAID.
How do I know?
Last week, I sent an e-mail to our Agency's staff, telling them that I'd be at SIS and asking alumni to share their experiences. I assumed I'd get a handful of replies, with alumni telling me about their favorite classes or the name of a popular hangout that I could mention for an easy applause line. But then e-mails started flooding in. From Angola and the Philippines and Lesotho and Bolivia. From a gender advisor working to ensure pregnant mothers have access to HIV medication so their children are born AIDS-free. And from a member of our cutting-edge mobile partnerships team, who's helping transform Haiti into one of the world's first mobile banking economies.
Last updated: October 09, 2015


text:
driverWindows Version 2007-03 ... Added: 03/03/07Total Downloads59,534Last Week201
Powerful collection of electronics tools and reference.A must for any enthusiastAndroid Version 2.4.1 ... Added: 11/27/11Total Downloads782Last Week6
Update your RCA Lyra Wireless RD900W remote music system.Windows Version 1.02 ... Added: 01/15/07Total Downloads2,344Last Week4
Access US online radio stations.Windows Version 1.0.1 ... Added: 12/12/07Total Downloads326Last Week3
Arduino+Bluetooth like a Universal Remote Control.Android Version 1.0 ... Added: 01/03/15Total Downloads12Last Week3
DISH/DTH TV REMOTE FOR ALL DTH CONNECTION AND TV ,UNIVERSAL REMOTE FOR WORLDAndroid Version 1.0 ... Added: 07/29/15Total Downloads14Last Week3
Are you an aspiring DJ, and wish you had a simple device to output samples? Are you using Serato Itch and wish it had the sample mapping...iOS Version 1.1 ... Added: 03/23/11Total Downloads1,609Last Week3
Change your cell phone into tv remote control using your phone's transmitter.Android Version 1.0 ... Added: 02/26/15Total Downloads5Last Week2
The RCA Service Request and My Service Status app enables customers with an RCA LCD TV to request warranty service and check the service status for...iOS Version 1.0 ... Added: 08/23/10Total Downloads80Last Week2
Keep tabs on the Indianapolis ColtsMobile Version 1.0 ... Added: 09/28/01Total Downloads44Last Week1
Comanda asigurarea obligatorie auto RCA direct de pe telefonul tau. Completezi informatiile tale impreuna cu informatiile autoturismului si in mai...iOS Version 1.0 ... Added: 08/05/11Total Downloads3Last Week1
Record. Edit. Upload. Share!Whether you're an International DJ, Keynote Speaker, Field Reporter, or budding music artist looking for your big...iOS Version 1.0 ... Added: 07/22/11Total Downloads2Last Week1
Welcome to Carl Alloccos music artist app! Carls music has been described as a hybrid of early 60s pop and 70s acoustic rock, with the lyrical...iOS Version 1.2 ... Added: 12/21/09Total Downloads2Last Week1
For fans of old time radio shows from the 1920s - 1950s.Unlike traditional Radio Stations that broadcast directly to members of the general public,...iOS Version 1.0 ... Added: 07/24/11Total Downloads3Last Week1
RCA stands with the volunteer spirit.It consists of the passion and the goodwill of its staff who would like to help popularize cricket and make...iOS Version 1.0 ... Added: 09/26/12Total Downloads1Last Week1
David Bowie 'Golden Years' single audio track remix applicationFans can create & share their remixes, using eight stems (bounced down from the...iOS Version 1.0 ... Added: 07/22/11Total Downloads3Last Week1
Colombia Radio lets you listen to hundreds of radios: Latina Stereo 100.9, 40 Principales - Bogot 97.4, La Clsica - Medellin 89.9, Boom Colombia...iOS Version 1.3 ... Added: 09/18/10Total Downloads3Last Week1
With dazzling technique and innovative musical ideas, Chet Atkins (19242001) became one of the most influential and admired guitarists ever to pick...iOS Version 4.6.1 ... Added: 02/11/12Total Downloads2Last Week1
Each year the Royal College of Arts hold a secret postcard exhibition. Well over 2000 original postcard designs are made available for 40 each......iOS Version 1.0 ... Added: 02/01/10Total Downloads1Last Week1
Uptime Magazine for Maintenance Reliability Professionals. Download this App to gain access to Uptime Magazine's past issue archives to discover...iOS Version 1.0.7 ... Added: 03/04/11Total Downloads5Last Week1
iVCLv2.0 - Cardiac3D VIRTUAL FLUOROSCOPY SIMULATOR and CORONARY ANATOMY VIEWER!A must have for medical professionals and students, in fact anyone...iOS Version 2.0 ... Added: 03/20/11Total Downloads12Last Week1
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The perfect study app for helping you pass your ACCA accountancy exams, to brush up on your study skills and keep up to date with IFRS - all in one...iOS Version RCA 1.0 ... Added: 02/21/10Total Downloads2Last Week1
The White Rose Band**The Official White Rose Band App*The White Rose Band: Hello There! We Are White Rose and we are here to make you jump! We have...iOS Version 2.0 ... Added: 02/04/10Total Downloads4Last Week1
JOSEPH P. KENNEDY PRESENTS by Cari Beauchamp (unabridged) is presented by Blackstone Audio and comes with what is perhaps the best audiobook app...iOS Version 2.4.2 ... Added: 01/22/12Total Downloads7Last Week1
This App is a MUST HAVE for all Up and Coming DJ's!Designed by Professional DJs for DJ's. This App turns your Mobile Device into a Professional DJ...iOS Version 2.0 ... Added: 10/18/11Total Downloads6Last Week1
ALL PORTUGAL RADIOS LITE - RECORDERWith ALL PORTUGAL RADIOS LITE you can now listen and record MP3 and AAC RADIOS streams in the background of your...iOS Version 1.0 ... Added: 03/20/11Total Downloads15Last Week1
A Must Have For All DJs!! & its FREE!!!!!Designed by Professional DJs for DJ's. This App Turns Your Mobile Device Into A Professional DJ Sampler....iOS Version 2.0 ... Added: 10/18/11Total Downloads10Last Week1
Insurance Assistance te ajuta in cazul in care doresti sa primesti asistenta intr-o situatie neprevazuta si daca doresti sa-ti rezolvi problemele...iOS Version 1.2 ... Added: 07/20/11Total Downloads8Last Week1
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im at about 60% at finishing the first one ...
and this looks like its runing on a new engine
I'm a big baby.
Midas Magic.
I also read on the internet that the last conjuring skill Twin Soul also lets you summon two Dremora Lords even thought it doesn't say in the description
Have enchanting at 100 but still waiting for later lvls till I can get Draconic leather set from drops/vendors one said that it started dropping at 49 , others said that saw at 42 , I'm still 32 q.q
Last edited by Lexaz; 01-31-2014 at 06:34 AM.
I found this video , if you already knew about it sorry . But i didn't . So i'l be downloading it .
This mod adds over 151 new, totally unique spells more than Twenty equally unique enemies, and a few magical items for the magic user.
Most of the new spells are destruction, which arevery flashy and powerful.
You can buy most of these as spell books from a mod added vendor and some of the unique items can be obtained by defeating the new, mod specific enemies!
Last edited by Seya; 01-31-2014 at 03:18 PM.


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Sony BDP-S5500
If you're looking for a streaming box that not only does Blu-ray movies but also plays games, then the Sony BDP-S5500 is an absolute bargain.
Samsung BD-H6500
The Samsung BD-H6500 is simply the quickest Blu-ray player we've seen, delivering lightning-fast access to your movies on disc and streaming services like Netflix.
Apple TV ( 2012)
While it's still a step behind the Roku 3, the Apple TV is an excellent streaming box, especially for those invested in the Apple ecosystem.
Typical price: £99.00
Visit manufacturer site for details.
Sling Media Slingbox 350
The Slingbox 350 is an excellent way to watch your TV or DVR video content anywhere.
Sony NSZ-GS7
The Sony NSZ-GS7 has sleek hardware and an innovative remote, but it's hampered by the still too-limited and frustrating Google TV software.
Pricing not available
WD TV Live WDBHG70000NBK
The WD TV Live (2011) offers a solid combination of must-have streaming services and excellent USB and network file support, making it one of the best devices of its kind available for under $100.
Pricing not available
Sony BDP-SX1
If you want to take your Blu-rays on the road, Sony's BDP-SX1 portable player is a reasonable, if expensive, option. Its good USB media support is a bonus, but Blu-rays don't look significantly better than DVDs on a 10-inch screen.
Typical price: £300.00
Visit manufacturer site for details.
Cambridge Audio Azur 751BD
The Cambridge Audio Azur 751BD is a 3D-ready Blu-ray player aimed at audiophiles. It sounds heavenly with pretty much any disc you feed it, but also delivers fabulous hi-def video and can stream almost every type of media via a LAN or USB. It's undeniably fine, but expensive.
Typical price: £800.00
Visit manufacturer site for details.
Samsung BD-D7500
Bafflingly small, the BD-D7500 pushes high-street Blu-ray design into the highfalutin realm once monopolised by a certain overpriced Danish brand. One to audition if you want a net-connected BD player that's as pretty as a picture.
Pricing not available
Samsung BD-D8500M
The Samsung BD-D8500M Blu-ray player appears to offer it all -- a 500GB PVR, 3D support and Internet connectivity. But its multitasking issues and unconvincing media-streaming capability rather take the shine off this ambitious package.
Typical price: £320.00
Visit manufacturer site for details.


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Evan Williams was forced out of the company in a boardroom coup carried out by the people he had hired.
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A Compendium of Recent Cases
Cases appear in chronological order, with the oldest case appearing first.
Trusts and Estates
Civil Procedure
Trusts and Estates
Readers are advised that changes in the law may affect the accuracy of this publication or the functionality of links after the publication date.
The foregoing practice tips were prepared for information purposes only. Such practice tips do not constitute tax, legal or other advice and no responsibility is assumed for any reliance upon them or with respect to assessing or advising the reader as to tax, legal, or other consequences arising from a particular situation. The accuracy of the information provided should be independently verified by the reader and should not be treated as authoritative.


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There's a popular saying among fitness experts: "The best exercise is the one you're not doing." The take-home message? You need to consistently challenge your body in new ways in order to achieve the best results. So while classic movements like the pushup, row, and squat are the staples of any good workout plan, varying the way you perform these exercises every 4 weeks can help you avoid plateaus, beat boredom, and even speed fat loss.
And that's why I wrote The Men's Health Big Book of Exercises. From start to finish, this muscle manual bulges with full-color photos of more than 600 exercises, along with scores of useful tips, the latest findings in exercise science, and cutting-edge workouts from the world's top trainers. All to give you thousands of ways to upgrade your old workout—and add new muscle, strip away fat, and sculpt the body you've always wanted. The really good news: You can start today, with this list of the best new exercises for every part of a man's body.
Ladies: Click here to see The Best New Exercises (For Every Part of a Woman's Body!)
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Science Friday® is produced by the Science Friday Initiative, a 501(c)(3) nonprofit organization.
Science Friday® and SciFri® are registered service marks of Science Friday, Inc. Site design by Pentagram; engineering by Mediapolis.
In the new movie Contagion virologist W. Ian Lipkin served as both a technical advisor for the film, and as the inspiration for one of its main characters. (A virus hunter named Ian.) Lipkin discusses his role in the film and his own work identifying real-life viruses.


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Abu Dhabi National Energy Co. (TAQA) shut down Cormorant Alpha platform in the northern UK North Sea and the Brent System pipeline infrastructure extending through the platform as a precaution following a hydrocarbon release into one platform leg.
There was no hydrocarbon release into the environment, TAQA said. It evacuated 92 noncore personnel following detection of a hydrocarbon release Jan. 15.
Cormorant Alpha platform handles about 90,000 b/d of crude oil feeding the Brent system pipeline, including 10,000 b/d from Cormorant field.
TAQA Bratani Ltd. operates Cormorant Alpha, which is 232 miles from Peterhead, Scotland. The Brent system transports crude oil from more than 20 North Sea fields to an export terminal at Sullom Voe in the Shetlands Islands.
BP PLC operates the Sullom Voe terminal. TAQA Bratani operates the Brent system pipeline.
"Investigations into the exact source of the hydrocarbons are still under way," TAQA said Jan. 16. "Measurements within the leg show that the volume released is small."
TAQA evaluated plans to restore throughput of 80,000 b/d in the Brent system pipeline, excluding any Cormorant Alpha production. Meanwhile, 67 workers remain on the platform along with three specialists brought aboard to resolve the incident. Cormorant Alpha is on Block 211/26a.
Shell UK Exploration & Production operated the Brent System pipeline until 2009, marking a change in management for the first time in almost 30 years (OGJ Online, Aug. 4, 2009).


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Brennan's Orthodontics captures PAL Junior crown
Brennan's Orthodontics completed an undefeated run through the Warwick PAL Junior Division playoffs with a 7-5 victory over Hurd Auto in last Wednesday's championship game. Brennan's went 6-7 in the regular season but caught fire at the right time, winning 7-3 in its first playoff game, 6-2 in its next game and 9-4 in the winner's bracket final on June 25. After more than a week off because of weather postponements and scheduling conflicts, Brennan's finally finished things off with the victory over Hurd.
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