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Education Students are taking on massive debts without thinking of the future. One result: Default rates, even at Christian colleges, have grown | Leigh Jones
When Kim Woody visited the hilly, tree-covered campus of Bryan College for the first time in March 2005, she knew she'd found the place she wanted to spend the next four years. The small school in Dayton, Tenn., about an hour east of Chattanooga, offered the Christian education she wanted, close to home. But it didn't come cheap.
During that first visit, Woody and her mom sat down with the financial aid director to find out how much her degree would cost and how she could pay for it. He handed them a piece of paper that detailed tuition, room and board, and other fees, about $20,000 per year. That's a lot of money, Woody remembers her mom telling the director. Then she asked him what options they had, other than taking out loans, to pay for it.
"He just sort of shrugged and said, good luck with that," Woody recalled eight years later. "He didn't really offer any help or anything."
Woody had several small scholarships that gave her about $6,000 per year, leaving her with a $14,000 annual bill. Her parents offered to pay for half, but for the rest, Woody felt she had little choice but to take out federally subsidized loans.
At the time, it seemed like an investment, and very few people she met on campus were getting an education loan-free. Everyone looked at it as a cost of doing business, or at least getting qualified to do business. She and her classmates had so much optimism about what they would accomplish in the world, she said. But just after the start of their senior year, the economy collapsed, dragging down their optimism with it. By the time they walked across the stage in May 2009, they understood they were entering a changed world where getting by would be a lot harder.
Six months after they picked up their diplomas, Woody and her fellow borrowers received their first loan payment note from Uncle Sam. Woody had a teaching job at a small Christian high school in Memphis. She only earned $21,000 a year. By the time she made her student loan payment and her new car payment, she had little left over. Like many of her former classmates, she moved back in with her parents to make ends meet.
Woody never missed a payment, but others did. By the end of 2010, 23 of her fellow Bryan graduates—6.5 percent of those who took out subsidized loans—had stopped making payments for an entire year, ending up in default.
Among Christian colleges, Bryan had one of the worst default rates in 2010, higher than the 5.2 percent national average for private schools. Despite their emphasis on financial responsibility as an extension of a Christ-like character, many Christian colleges struggle as much as their secular counterparts to make sure students pay back what they owe.
Of 18 Christian colleges WORLD reviewed, three had default rates higher than the private school average in 2010—Union University in Jackson, Tenn., Palm Beach Atlantic University in West Palm Beach, Fla., and Bryan. Only three had default rates below 1 percent—Bob Jones University in Greenville, S.C., Cedarville University in Cedarville, Ohio, and Gordon College in Wenham, Mass.
David Haggard, Bryan's current director of financial aid, blames the school's default rate on the economy. The tough times hit the students in Bryan's adult degree completion programs especially hard, he said. As the economy improves and graduates have an easier time finding jobs, borrowers will feel more confident in repaying what they owe. He also hopes the school's new financial education efforts will help more borrowers realize they have no excuse for going into default. The government offers income-based repayment plans, which could temporarily wipe out the monthly payment for borrowers who don't have jobs. Borrowers also can apply for forbearance or deferment, depending on their circumstances.
The school's biggest challenge is getting the information to the students, Haggard said. Woody doesn't remember Bryan offering any kind of financial seminars during her time there. But today, the school offers one-on-one financial counseling with incoming students and group sessions for graduates. Administrators get lists of students who miss payments, and a financial aid counselor calls each one to see what the school can do to help.
Palm Beach Atlantic University (PBA) adopted similar measures after watching its default rate jump to 8.4 percent in 2009, up from 5.9 percent the year before. In 2010, the rate dropped to 6 percent—56 of the 927 students who took out federal loans defaulted. The school now requires all graduates to take an online financial literacy course. Administrators also offer in-person exit counseling. And they've stopped giving students a full loan package when they enroll. Instead, financial aid counselors talk to students about how much they really need to borrow and encourage them to take out only what they must to pay for school.
Todd Martin, PBA's financial aid director, agrees with Haggard about the role the economy plays in pushing graduates toward default. But he also thinks some students are just more likely to default, no matter what the school does. When schools are more selective about the students they accept, focusing on higher test scores and grade point averages, they tend to have fewer students taking out loans, he said. Students with lower scores and grades coming into college typically have higher financial needs and borrow more.
PBA wants a mixture of both types of students, but the school is offering more scholarships now in hopes of attracting higher-achieving students. As the campus demographic changes, so should the default rate, Martin said: "We want all students here, but we want to make sure we have a slice of students that are highly motivated leaders on campus because they bring an influence to the whole student body."
Bob Jones University (BJU) saw the biggest increase in the number of students taking out federal loans—from 1.6 percent in 2008 to 11 percent in 2010. But only 3 students—0.6 percent of borrowers—defaulted that year. Like Bryan and PBA, BJU has a default prevention plan that requires financial counseling and includes calls to former students who miss payments. The difference between BJU and other schools is its students, Director of Financial Aid Kevin Delp said.
Slightly less than 40 percent of BJU students take out loans, both federal and private, but the majority aren't wealthy. They just work hard to earn money to help pay for their schooling, Delp said. But work ethic and responsibility are hard to quantify, and other factors likely play a role.
Four of BJU's top degree fields are in high demand and offer better starting salaries than the average liberal arts degree—nursing, accounting, criminal justice, and engineering. From a practical standpoint, graduates with those degrees have a better chance of finding a job and earning enough to pay back their loans, Delp admits.
Caleb Helms, an accounting major, had a job even before he graduated from Union University in 2009. He described his degree as almost recession-proof because companies need accountants, whether they're making money or not. But Helms, 25, didn't have to worry about paying back loans. When he started classes at Union in 2005, he decided he wouldn't borrow anything, if he could help it. Knowing he would have a fixed income and a lot of steady expenses when he graduated, Helms viewed college as a time to work as hard as he could to prepare for the rest of his life: "As much as possible, I wanted to get ahead of the game and stay out of debt."
Helms worked during high school to save up for college and held down two jobs during most of his time at Union. A scholarship covered almost half the $20,000 annual cost. His grandfather chipped in about $5,000, and Helms paid for the rest. He doesn't remember talking to many of his friends about their debt, although most of the people he knew who had loans intended to go into ministry or some other field that didn't pay very much. Many of them went on to graduate school after getting their bachelor's degrees.
When students take out loans, they think they're postponing the bill for their education for a time when they can afford it, Helms said. But they don't realize they'll end up paying much more over time for the four years during which they actually spend the money: "Not everyone who defaults is financially illiterate but it definitely plays into it," Helms said.
Both Haggard, at Bryan, and Martin, at PBA, said students don't think enough as freshmen about how they will pay off their loans once they graduate. Woody admits she didn't. All she thought about was getting an education. But her history major and biblical studies minor turned out to be less valuable than she expected.
"I thought I was making an investment in my education," she said. "That justified taking out loans, but then I got out and realized I might have to start flipping burgers just to pay for this terrible decision I made to borrow money. It seemed like a terrible choice."
Financial aid counselors believe their schools' default rates will go down in 2011, data the government will release later this year. Students who entered college after Woody and her classmates had more time to prepare for a dismal job market. They also had more warnings about how difficult life would be if they left school with heavy debt loads. And they've had more attention from counselors attuned to the dangers of excessive borrowing.
But that might not be enough to keep students from doing whatever it takes to get the education they want. Even Woody's regrets over her undergraduate loans didn't stop her from taking out more loans for graduate school last year. She has about $14,000 in undergraduate loans left—roughly half the total—and expects to add about $30,000 to that when she graduates from Vancouver's Regent College in 2015 with a Master of Arts in Theological Studies.
Copyright © 2016 God's World Publications, April 20, 2013, Vol. 28, No. 8


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Voice Data Two Thousand, listed under "Telecommunications Services" category, is located at 11144 Ables Ln C Dallas TX, 75229 and can be reached by 2143660005 phone number. Voice Data Two Thousand has currently 0 reviews.This business profile is not yet claimed, and if you are the owner, claim your business profile for free. If you are not the owner you can invite this business to join by email or by phone.Browse all Telecommunications Services in Dallas TX. If you would like to see census data for this geographical location click here.
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Celebrity Moms & Babies
Confirmed: David Arquette Expecting a Baby With Girlfriend Christina McLarty — Boy or Girl?
UPDATE: On January 7, David Arquette's ex-wife, Courteney Cox, confirmed that David and his girlfriend, Christina, are expecting. "They're going to have a baby boy," she said during an Ellen DeGeneres Show appearance. "I hope I'm allowed to say that."
And if she wasn't? Well, we assume that her ex and his new GF are just going to have to deal with it. Because the news is out. Court adds that her daughter, Coco, is "really excited" to be a big sister, though she admits that wasn't the 9-year-old's initial reaction. "At first she was nervous because, you know, it's a big deal. At first, I was nervous, I was like woo, heavy," Courtney says.
UPDATE: The gender of David Arquette's soon-to-arrive bundle of joy has been revealed!
The 42-year-old Eight Legged Freaks star and ex-husband of Friends star Courteney Cox is expecting a baby with girlfriend Christina McLarty, who is reportedly about five months along.
Now, Radar Online is reporting that the couple is having a baby boy. Congrats to the happy couple!
Original story posted on 11/5/2013: Looks like Scream co-stars and former spouses David Arquette and Courteney Cox are both making strides in their personal lives, if it's true that David is expecting a child with Christina McLarty, his on-again off-again girlfriend of two years.
Multiple sources tell TMZ that Christina is in her fourth month of pregnancy with David's baby. And, the site reports, David is so excited that he's sharing the news with crew members on the Vancouver set of his latest movie — which, we've concluded, is probably the true-life Lifetime crime drama Happy Face.
If the stork really is on the way for David, it means that his daughter with ex-wife Courteney Cox, 9-year-old Coco, will be a big half-sister.
David made headlines on Halloween after spilling the beans on Courteney's love life. Thanks to his drunken call to radio host Howard Stern, we know that she has broken up with Cougar Town costar Brian Van Holt and is now dating someone else. (Talk about a move that could make her "Scream"!)
Christina, meanwhile, is a Entertainment Tonight reporter who had a two-month marriage to Girls Gone Wild mogul Joe Francis. (So, David is an… upgrade?)
In any case, congratulations (preemptively) to David and Christina. Now, D, keep your mouth shut about your exes!
Source: TMZ


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AG052: Cheer Pressure
this wiki
Cheer Pressure (Japanese: プラスルとマイナン!応援の道!? Plusle and Minun! Cheerleading Road!?) is the 12th episode of Pokémon: Advanced Challenge.
Episode Plot
May is very happy to see her first ribbon. Ash is confident, so they go to the next city. Max wonders where he is going, when the direction he went to was wrong one. When they arrive to a town, they hear drums being played. A kid arrives to them, making them think who they are. Ash makes a flashback - the kid is Thatcher. Ash wonders why is Thatcher doing in the town, so Thatcher explains.
When Thatcher went to become a Pokémon trainer, he trained Plusle and Minun. A man appeared before him - a teacher for school in which they all practice cheer leading. Thatcher was lucky enough to be accepted and he learns to cheerlead. Team Rocket overhears, so they want to have their own cheering squad. Max thinks that Helping Hand would be illegal in battles, so he asks Brock, but Brock flirts with girls. Thatcher believes that cheering will improve the Pokémon efficiency.
Team Rocket appears before the cheerleading teacher and demand to become cheerleaders. They want to battle the gang and will pay the teacher for becoming cheerleaders. A woman arrives near the gang and asks them to battle some new students, to which Ash and Brock agree to. The gang arrives and Thatcher introduces them to the school teacher, Sheridan. Team Rocket arrives as well, so James (disguised as Jamester) will battle Brock. Jamester sends Cacnea, while Brock his Forretress. Cacnea uses Pin Missile, but the attack is deflected by Forretress' Rapid Spin.
Forretress uses Tackle, knocking Cacnea out. Ash thinks Cacnea's defeated, but the Squad begins to cheer for Cacnea. Sherigan whispers "Helping Hand" and Cacnea stands up. Cacnea uses Needle Arm, damaging Forretress and surprising the gang. Cacnea uses Sandstorm and Pin Missile. Forretress uses Rapid Spin, but gets defeated due to (improved) Pin Missile. Max goes to check as he saw some light coming from the drums. It is Jessie (disguised as Jessica) vs. Ash.
Jessica sends Seviper (Jessie planned that James and Meowth will take Pikachu using a new robot). Pikachu uses Thunderbolt to hit Seviper, then Quick Attack. Jessie is not ready to battle, but Pikachu uses Iron Tail, knocking Seviper out. Max sees the cheer squad from a closer distance. Pikachu uses Thunderbolt, hitting Seviper. Jessie demands some support, so the squad cheers. Sheridan whispers "Aromatherapy", so Max overhears those words. Inside the drum, Vileplume and Roselia use Aromatherapy to heal Seviper's status condition.
Sheridan whispers "Helping Hand", so inside the drum is Makuhita and Shroomish who uses Helping Hand to power up Seviper. Seviper uses Poison Tail, damaging Pikachu. Pikachu uses Thunderbolt, hurting Seviper. Vileplume and Roselia (inside the drum) use Aromatherapy to recover Seviper. Pikachu repeats the attack once more, but so does Sheridan. Seviper uses Poison Tail and Ash orders Pikachu to evade, but Pikachu is tired so he couldn't. Thatcher advises Ash to quit, but Seviper uses Wrap.
Sheridan whispers to use Helping Hand, but Max pushes the drums, so Roselia, Makuhita, Vileplume and Shroomish are revealed to be inside. Everyone is mad at Sheridan for pulling a scheme, so he escapes. Seviper uses Wrap to attack Pikachu, then uses Haze to dim Ash's vision. Nevertheless, Pikachu uses Thunder, defeating Seviper. Team Rocket takes their disguises off. Jessie wonders where is the robot they should have get, but Meowth replies that they paid for cheerleading, however James reminds them that Pikachu is worn out and they'll capture it. They use a robot arm to grab their foe. Ash orders Pikachu to use Thunderbolt, but Pikachu is worn out from the last battle, so he can't.
Thatcher's Plusle and Minun use Helping Hand, powering Pikachu up. Pikachu uses Thunder, freeing himself. The Thunder goes into the sky and back to Team Rocket, negating their electricity proof balloon and blasting them off. Thatcher realizes that one self power is greater than someone else's. A woman agrees with Thatcher and will make a new start, so Brock goes with flirting routine, but Max pulls his ear. The gang leaves to head to Lavaridge Town.
- Featured Pokémon: Shiftry, Taillow, Swampert, Torkoal.
- Near the beginning of the episode, the classic Pokémon identification from previous seasons is shown. The Pokémon featured was Jigglypuff.
- Kayzie Rogers stands in as the voice of Thatcher, which includes redubbing his flashback scenes.
- When the episode name is announced, the location where Ash and co. are was wrong the entire time - before it seemed they were going in north-western town - Lavaridge Town - but in this episode the location was moved, so in this episode they are travelling from Fallarbor to Lavaridge Town, which is correct.


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June 16, 2010 at 6pm to December 1, 2010 at 8pm – Carp Ridge Learning Centre Guided Nature Interpretation Hikes on brand new trails , optional yoga and stretch classes, tea and snacks afterwards. Every Wednesday from 6 - 8pm. Morning Sessions once a month with Yoga by Hollow… Organized by Angela Teske | Type: community
July 1, 2010 all day – Everywhere HOORAY! Organized by Everyone | Type: celebration
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UAB eLearning offers access to totally online and blended format degree and certificate programs that are an extension of UAB's traditional campus. Access to our online degree and certificate programs allows you to be a part of the university experience no matter where you are in the world.
UAB is making every effort to gain authorization for all of our online programs from all states. We have secured authorization for most programs in most states. Check our STATE AUTHORIZATION MAP to be sure the online program you want to apply for is approved in your state.
Get more information about UAB eLearning


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A 38-year-old Macon woman has been ordered to stay away from her husband who she is accused of shooting the day after Christmas.
Magistrate Cedric Leslie told Sharon Brooks Browner, "You can't go around shooting your husband."
Police say Browner shot her husband, Melton, in the left shoulder around 3 p.m. on Wednesday at their home at 4500 Clover Place near Rocky Creek Road in south Macon.
He told police they had been arguing prior to being shot. A detective told Leslie had the bullet hit Melton Browner "a little lower" it could have struck him in the heart.
Leslie noted that the couple has had four children together.
Sharon Browner was arrested on Eisenhower Parkway and charged her with aggravated assault family violence.
Her bond was set at $5,700. She remains in the Bibb County jail.


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Let us strive for peace
By Pastor Chris CostriniVenango Community Church
It won't be long (if it hasn't happened already), that Christmas cards will begin to appear in your mailbox. Many of them, in bold and fancy letters, will proclaim the words of the angels: 'Peace on Earth." There are three ways we use the idea of peace. The first is peace with God. In Romans 5: 10 Paul says that we were enemies of God, but are reconciled by the death of His Son. We go from a place of being God's enemies to being His children through the cross of Jesus. Secondly, we can talk about peace with other people. It isn't hard to see that in much of our world, peace is severely lacking. Recent fighting in the Middle East is just one of about 40 such conflicts in our world today. Often conflict isn't just on a worldwide scale but is in our towns, among neighbors, and even our homes. As individuals we may not have much chance to stop conflict on a global scale, but we are still reminded to "Strive for peace with everyone" (Hebrews 12: 14, ESV) and "If possible, so far as it depends on you, live peaceably with all." (Romans 12: 18, ESV). Just as our peace with God depends on his forgiveness, many times living at peace with others means that we too must forgive each other. The third kind of peace is peace with yourself, inner peace. Health care professionals suggest that about 43 percent of Americans have some kind of stress related illness. At Christmas stress can build up as we try to get all of our holiday tasks completed. Depression, loneliness, and worry, can also rob us of our peace. The good news is that the same Savior who calmed the sea can calm our hearts and give us peace. It is a rare person who doesn't desire peace. May you find peace with God through his son, peace with others through forgiveness, and peace in your hearts from the God who gives "the peace of God, which surpasses all understanding." (Philippians 4: 7, ESV).


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New LACF project fosters quality of life for all ages
- Details
- Published on Wednesday, 20 November 2013 00:04
- Written by Los Altos Town Crier Staff - Town Crier Report
The new Center for Age-Friendly Excellence (CAFE), a project of the Los Altos Community Foundation, has the goal of furthering the understanding of Age-Friendly cities and communities. CAFE will promote and facilitate changes that enhance healthy, active, sustainable and engaged intergenerational communities.
The primary goal of the project is to anticipate the challenges and opportunities of living in aging societies and apply research and best practices of academic gerontology to advance livable communities for all ages.
For more information, visit losaltoscf.org/cafe.


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Buy 3 Tires, Get 4th Tire Free Instantly. Receive a discount equal to the price of a single tire when four tires are added to the cart. Valid on select in stock tires only. Those tires for which discount is available will be identified in search results & product detail pages. All other tires and special order tires are excluded from this offer. Valid when scheduled for installation on PepBoys.com and installation is completed between 5/26/16 through 6/1/16.
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Pep Boys makes it easy to find the right tires for your vehicle. It's as simple as entering your vehicle information and choosing your closest store. Do you already know your tire size? No problem, you can also shop by size. Our TreadSmart Tire Center has all of the information you need to make buying tires as easy as possible as well as tips on increasing the life of your tires by properly maintaining them. Pep Boys is the destination for all things automotive – especially tires!


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|Calling it good for the downtown land line
Advancement in technology has made it necessary to say goodbye to a small symbol of history in Grant. The phone booth on the north side of the newspaper office was removed last month by employees of Great Plains Communications. The coin-operated telephone in the booth had been taken out some time ago. Removing the empty form are (l-r): Dan Ross, Ray Wright, Adam Dickey and Greg Dickey. (Photo by Jan Rahn)


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March 13, 2013 | 13481 views
Funding for Army Corps project a go
U.S. government to assume all costs of Long Beach coastal protection plan
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Just days after city officials held a meeting with representatives of the U.S. Army Corps of Engineers to discuss a plan to protect the barrier island from future storms like Hurricane Sandy, U.S. Sen. Charles Schumer said on Tuesday that the federal government would fund the entire $150 million project.
Typically, if the city were to approve the project, it would share the cost with the federal government, which would pay for 65 percent of the work. Such an agreement, however, could leave cash-strapped Long Beach on the hook for millions of dollars for its share.
But after a month-long campaign by Schumer, who called on the government to cover all the costs of the project, the Army Corps plan will now be fully federally funded because, he explained, it is designed to protect against future storms.
"Today we've turned this project, long a dream of Long Beach residents, into a reality," Schumer said in a statement. "By agreeing to pick up the full tab for this project, the federal government has virtually guaranteed that this critical coastal protection project will be built — and it will save money for local taxpayers. Homeowners and residents in Lido Beach, Point Lookout, East Atlantic Beach and Long Beach can feel a little more secure knowing that vital protections, in the form of dunes, will now be constructed."
The announcement came more than three months after the City Council decided to revisit a $98.5 million Army Corps coastal protection plan that was rejected in 2006, mainly because it did not address flooding along Reynolds Channel. A number of residents said that the project would ruin ocean views, and that dredging and beach replenishment might negatively affect wave conditions, sand quality and rip currents.
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KeywordsCity of Long Beach, NY 11561, Army Corps of Engineers, Sen. Charles Schumer, City Council President Scott Mandel, Hempstead Town Supervisor Kate Murray, Long Beach City Council, Surfrider Foundation, Barrier Island Alliance, Long Beach Surfer's Association, West End Neighbors Civic Association, Sandy Supplemental Package, Long Beach Herald, Anthony Rifilato, Point Lookout, NY
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COLUMBUS, Ohio (AP) — A former Ohio school resource police officer is preparing to plead guilty to a charge that he coerced sexual behavior from minors.
A federal judge had called Todd Smith's alleged actions "violence of the worst sort" last year after listening to a prosecutor and FBI agent read sexually graphic text messages Smith exchanged with two 15-year-old girls at a Columbus high school.
Smith is scheduled to plead guilty Thursday in federal court in Columbus to one count of using a cell phone to entice two underage minors to engage in sexual activity.


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Homeowner group meets Jan. 20
Published: Thursday, January 9, 2014 at 10:18 a.m.
Last Modified: Thursday, January 9, 2014 at 10:18 a.m.
UPDATE: Because the Northeast Library will be closed Jan. 20, the group will not be meeting there. Check back later for details on the new meeting site.
Southeastern N.C. | Homeowners for Education, Advocacy & Rights will hold monthly meetings Jan. 20 in New Hanover County and Brunswick County.
The group works to educate homeowners about their rights within their HOA community, according to a news release.
The speaker at both meetings will be Al Ripley, an attorney with the N.C. Justice Center.
The New Hanover County meeting site is yet to be determined. The Brunswick meeting will be at 6 p.m. at the Brunswick Electric Membership Corp. building on U.S. 17 in Supply.
For additional information, go to www.hear4nc.org.
– From staff reports
Reader comments posted to this article may be published in our print edition. All rights reserved. This copyrighted material may not be re-published without permission. Links are encouraged.


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The OpenStack Foundation has gained 170 corporate and over 8,200 individual members since its inception in 2012, making it one of the fastest growing cloud standards. Jonathan Bryce, Executive Director and founder of the OpenStack Foundation, and Todd Moore, IBM Software Group Director of Interoperability and Partnerships discuss the capabilities and opportunities for building cloud solutions using OpenStack to manage compute, storage and network resources.
Deepak Advani, IBM
Optimizing IT Infrastructures for Today's Workloads
Deepak Advani, General Manager of Tivoli Software discusses top issues and opportunities facing clients as they adopt new breeds of applications to engage with customers and improve operations using mobile devices, cloud and analytics.
More interviews can be found at the Pulse Expo interviews playlist on www.youtube.com/ibmpulse
The opinions expressed herein are sorely mine.


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May 30, 2016
The Detroit News reports that funding for universities, local governments and state departments are expected to see their state funding cut.
That's according to a preliminary list of $470 million in budget reductions. Gov. Engler is expected to propose the cuts next week in an executive order.
State revenue sharing for cities, counties and townships is expected to be reduced by five percent.
A one percent cut is likely for the higher education budget, which covers the state's 15 public universities.
Such a reduction may mean January tuition increases as universities try to offset the loss.
A two and a half percent spending cut is expected for other state departments covered by the nine billion dollar general fund.
Click Here to access the online Public Inspection File
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WASHINGTON (WUSA9) -- We did a good job paying down debt in the first half of the year. In the second half we didn't do as well.
CardHub.com is out with a report that shows the average household now owes about $6700 on their credit card bills.
That number is up from approximately $6600 in the first quarter.
This is pretty typical behavior. In the first half of the year, we have extra money laying around, from year-end bonuses or tax refunds. This time of year, that money is all gone, so we start wracking up new debt.
But there are a couple of strategies that can help dig ourselves out of the credit card hole.
There's the "Island Approach." What you do is use different cards for different types of transactions, like a chain of different islands. You could transfer existing debt to a 0% credit card to reduce your monthly payments.
Ongoing spending -- that you pay down every months can go on a rewards card.
Another option is the Snowball Method. This is a triage strategy. You make your biggest payments to the card with the highest interest rate, say the 24 percent card. You then make the minimum payment required on the rest. Once your most expensive debt is paid off, you move on to the second highest interest rate card and so on.
If you need a push to finally get down to the business of paying off that debt, then think about it this way: Let's say you have a little money left over in your savings account beyond what you need for your rainy day fund. Pay down that credit card debt with an 18% interest rate. You are getting a guaranteed 18% return on your investment. Nothing else you can possibly do with that extra money sitting around will give you an 18% return with zero risk.


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WASHINGTON (WUSA) -- You're familiar with low dose medications, but what about low dose mammograms? Europe & Asia have had the technology for years. Now, this new low dose, mammography system has been approved for use in this country. Locally, they're taking the wraps off what's being called "the next generation of mammography" at United Medical Center in SE Washington.
"We're offering excellence in all areas of radiology. We're like the Seabiscuits of hospitals. We've achieved excellence despite all of our challenges," said Dr. Raymond Tu, Chairman Of Diagnostic & Interventional Radiology at United Medical Center.
Like Seabiscuit, he believes the hospital in Southeast D.C. is a true champion in the fight against breast cancer. To their ACR accredited MRI, Ultrasound and Nuclear Medicine services, UMC has added MicroDose full field mammography. The FDA approved, cutting edge technology is a first for our area and a giant leap forward for the former Greater SouthEast Community Hospital. In this digital age, UMC was still using film for screening mammograms.
Dr. Tu shared, "...first of all, the radiation dosage is half the standard mammograms. And number two, the detector itself is twice, three times more greater in density compared to standard mammogram technology so the image quality is superior to standard mammograms."
MicroDose works using a photon detector which minimizes scatter or ghost images.
"This actual piece moves across the breast like a fan. Every X-Ray is perfectly focused from here to the breast tissue, to the detector," pointed out Dr. Tu.
While maintaining quality and accuracy, Dr. Tu says studies show cutting the radiation in half also lowers the risk of radiation induced breast cancers. One less medical concern for his patients who come from DC Wards 7 and 8 and bordering Prince George's County neighborhoods.
Tu explained, "They have complex issues. Many of them need additional imaging for other medical problems so that's why for me the priority of a lower radiation dose was an important decision."
Bringing MicroDose Technology to the United Medical Center is the first phase of the hospital's master plan for creating a comprehensive women's health center.
"We have something wonderful to offer here," said Tu.
Tu added, "I think women and men will be inconvenienced and travel a little further distance and come to the United Medical Center for their mammogram because they know that it's a safe procedure with half the radiation dose; it makes sense."
MicroDose is now ready for patients. There will be a formal ribbon cutting ceremony in October, breast cancer awareness month.


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Call them what you will, forceps, clamps or hemostats, this handy tool is darn-near a requirement for any fly angler. Why? You can do just about anything with them. You can bend down hook barbs. You can gently remove your fly from a fish's mouth. You can gently remove your fly from your buddy's mouth (or arm or leg). Heck, you can even change a blown fuse in your fishing truck.
We'll keep it super simple, these are the right sized clamps, built strong for a long life of...well, clamping stuff. They are black, so they won't flash in the sun and scare your fish. They also lock in place, so you can attach it to just about any piece of clothing, so they won't bang around while fishing. Finally, we've included an insurance policy in the form of a handy, coiled lanyard. Now, you'll never lose your forceps, clamps, hemostats...or whatever you want to call them.


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Maybe if we stop helping the whole world we'd have plenty for the people here.
You're right. We need to get the freeloaders off the programs they don't deserve, but cutting the programs completely like the Tea Party wants to do is certainly not the answer. Lots of people are hurting, and need help.


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From the time that we are born, we are taught that slim is in. We are given the belief as women that thin is beautiful and we must strive to get to or maintain that image. In the United States alone, nearly $35 billion a year is spent on weight loss products. Our obsession to be thin has become so extreme that companies have been thriving in the weight loss industry. There have been pills, workout machines, smoothies, and just about everything you can think of that focuses on weight loss.
In Japan, they've taken the idea of weight loss to an entirely new level. In what Huffington Post refers to as "one of the most unique weight-loss schemes of all", the Lady Share House B&B in Osaka offers discounted rent price dependent on the tenants weight loss. The residential facility will deduct 1,000 yen (roughly $10) for every 2.2 pounds lost and inversely, the rent will increase for increased weight.
The goal of the residential facility, apparently, is to create an environment which supports and facilitates healthy living. In their defense, no one can say that Lady Share House B&B isn't trying. In fact, their efforts are clearly done with good intentions. The building offers an exercise studio and even lecture on weight management. None the less, the building has still stirred quite the debate. The B&B was questioned for its unlimited snacks and sugary drinks offered to the tenants. Are these snacks really offered to encourage health living or was it a scheme to increase the tenants' weight? They defended this act by claiming that the availability of the snacks was an effort to help their tenants learn to resist temptation. Questionable? Certainly.
While we are in full support of maintaining a healthy lifestyle, there are a number of problems that may arise from this rent tactic. In an effort to decrease rent, especially if one is in the position of financial hardship, one may go to extreme measures to decrease their rent price. This added pressure may simply add on to the unhealthy obsession to be thin.
Additionally, with further research into the facility, it was discovered that the B&B was attracting many women who were not overweight at all. Will this B&B simply encourage women to be even thinner? Will this aid in the already problematic obsession of weight loss? Tell us what you think below.


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AZA Banquet
Date: March 11, 1947
Creator: Photographic Engineers
Description: Photograph of an Aleph Zadik Aleph (AZA) Banquet in the ballroom of Fort Worth's Hebrew Institute in the 800 block Taylor Street. The banquet room contains a stage and a piano in the background of the photograph. Members are seated at long tables. From left to right, the members of the photograph are: Cooks (back left, standing): Joe Zenick, Manny Solomon, P.D. Mallin, Sidney Cohen, "Uncle" Lou Cohen. Head Banquet Table (along the stage in the back, to the right of the cooks): Mary Frances Ginsberg, Robert Lidell, Ann Lidell, Rabbi Isadore Garsek, Sadye Mae Garsek, Rabbi Prero, R.D. Moses, Idelle Engelberg, Reuben Daiches, Mrs. Reuben Daiches, Mickey Goldman, Charlotte Max Goldman, unidentified, Adelene Zeff. Members seated at the foreground tables are listed from bottom right to back left. Table 1, row 1: Hy Glickman, Rose Glickman, Ada Robinson, M.Y. Robinson, Mr. Schwartz, Mrs. Schwartz, Mary Sankary, Ann Cohen, Ben Cohen, Selma Tiras, Miss Sankary, unidentified woman, Max Gilbert. Table 1, row 2: Goldie Tills, Joe Tills, Mrs. Kruger, Mr. Kruger, Herb Berkowitz, Adele Natkin, Sue Louis, Gloria Holtzman, Herbert Cooles, Mr. Gilbert, Charlie Levinson, Sam Anton, Bess Levinson, Sarah Anton. Table 2, row 1: Joe Siegel, Leon Tiras, Joe ...
Contributing Partner: Fort Worth Jewish Archives


text: Webexclusive Flowers in the Valley Canvas Art, Set of 2 Item #: 120293 $69.99 $34.97 Qty: Sorry, this item is currently unavailable online. Ship to Home Feel the gentle breeze rolling through the poppy-filled valley in this stunning canvas art duo! The Flowers in the Valley Canvas Art Set overlooks a summery hillside, colored with natural shades of red, green, and yellow. Each print measures 12L x 32H in. Depicts a quaint farmhouse and a field of red poppies Distinctively printed on stretched canvas Finished edges to complete the look Features hues of blue, green, white, and red Comes ready to wall mount; no hanging hardware required This item is available at Kirklands.com only, not available in stores. Sorry, this item is currently unavailable online.


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6JSC/CCC/7 Proposed revision to instructions 220.127.116.11.2, "Two or More Parts," 220.127.116.11, "Compilations of Musical Works," and 220.127.116.11, "Two or More Parts"(RDA 18.104.22.168)
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General comments
MLA supports this proposal. This is a significant change from how we treat compilations of consecutively numbered works in AACR2, but it will be much more user-friendly.
One MLA member notes that this proposal has an internal consistency with how RDA treats language expressions, but, as CCC notes, it creates inconsistencies with the early part of chapter 6.
Tracey Snyder (MusLA) 9/12/12
I think the general instructions should be considered first and then the music instructions adapted to those. --John Hostage 07:01, 3 October 2012 (PDT) (AALL)
Constituency responses
ACOC:Text of response
Agrees; requests prompt action on a more thorough review and analysis toward a more generalized approach to Chapter 6.
LC: Text of response
Agrees to proposed changes.
If 6JSC/CCC/7 is approved, that would take precedence over the changes suggested to 188.8.131.52 in 6JSC/LC/20.
For clarity and consistency, LC asks the JSC if the terms in the examples boxes in 22.214.171.124.3-220.127.116.11.5 should be removed in favor of a list of terms in the instruction itself as in 184.108.40.206.2, with the additional instruction, "If none of the above is appropriate, record an appropriate specific collective title."
BL: Text of response
Agrees to the following changes: 1) revising the instructions and the examples at 18.104.22.168 in order to eliminate the distinction between consecutively numbered parts of musical works and unnumbered or non-consecutively numbered parts of musical works, and to incorporate suggestions made in 6JSC/LC rep/2 2) revising the first example at 188.8.131.52.2 to show that two or more consecutively numbered parts of a musical work are to be identified separately 3) adding an alternative instruction that parallels 22.214.171.124.2 at 126.96.36.199.2, as was suggested in 6JSC/LC rep/2/CCC response 4) deleting the instruction on inclusive numbering at 184.108.40.206.5 5) adding an example of an incomplete compilation of consecutively numbered musical works to illustrate the alternative at 188.8.131.52.6.
Agrees with no other comments: CILIP, DNB.


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Important Global Message
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January 25, 2009
Magyars and Madjars
A Y-chromosomal comparison of the Madjars (Kazakhstan) and the Magyars (Hungary)
A.Z. Bíró et al.
The Madjars are a previously unstudied population from Kazakhstan who practice a form of local exogamy in which wives are brought in from neighboring tribes, but husbands are not, so the paternal lineages remain genetically isolated within the population. Their name bears a striking resemblance to the Magyars who have inhabited Hungary for over a millennium, but whose previous history is poorly understood. We have now carried out a genetic analysis of the population structure and relationships of the Madjars, and in particular have sought to test whether or not they show a genetic link with the Magyars. We concentrated on paternal lineages because of their isolation within the Madjars and sampled males representing all extant male lineages unrelated for more than eight generations (n = 45) in the Torgay area of Kazakhstan. The Madjars show evidence of extensive genetic drift, with 24/45 carrying the same 12-STR haplotype within haplogroup G. Genetic distances based on haplogroup frequencies were used to compare the Madjars with 37 other populations and showed that they were closest to the Hungarian population rather than their geographical neighbors. Although this finding could result from chance, it is striking and suggests that there could have been genetic contact between the ancestors of the Madjars and Magyars, and thus that modern Hungarians may trace their ancestry to Central Asia, instead of the Eastern Uralic region as previously thought.
7 comments:
- hjernespiser said...
"and thus that modern Hungarians may trace their ancestry to Central Asia"
The Madjars (Mazsars) are supposedly descendants of ancient Magyar tribes who remained in the east around Volga Bulgaria, were absorbed into the Golden Horde, and distributed into one of the Kazakh founding tribes. This study seems to confirm that theory, but I doubt such a bold conclusion about modern Hungarians can be made from it. Mazsars are also found in western Mongolia where they haven't quite fully assimilated into the Kazakh identity.
- Monday, January 26, 2009 5:24:00 am
- BlaiseVillaume said...
So are you contending that the Madjars and Magyars have share an antecedent ancestor outside of their respective modern locations? Or that there is no such common ancestor?
- Monday, January 26, 2009 5:16:00 pm
- hjernespiser said...
"So are you contending that the Madjars and Magyars have share an antecedent ancestor outside of their respective modern locations?" Yes. The abstract says "thus...modern Hungarians may trace their ancestry to Central Asia". That statement is based upon the assumption that the Madjars have stayed in the same place. It's like saying that the Madjars may trace their ancestry to Europe.
- Monday, January 26, 2009 7:18:00 pm
- hjernespiser said...
It's like saying that the Madjars may trace their ancestry to Europe. Most would reject that interpretation because it is known from history that modern Hungarians are descendants from tribes that came from somewhere east. If the writers understood Golden Horde history, they'd equally reject the notion that Madjars have stayed in place.
- Monday, January 26, 2009 7:22:00 pm
- BlaiseVillaume said...
Alright, I just wanted to clarify that. I think there is a lack of knowledge as to plain old history in some of these anthropology papers. I don't understand how else anybody could suggest that any people were stationary in the steppes.
- Tuesday, January 27, 2009 12:10:00 am
- nemsoha said...
I understand what you say about it being the same as claiming they can trace their origin back to Europe, however when you take into account traditional Hungarian history that says Magyars were from the same group as the Huns (many Chinese scholars also support this such as Wang Shiping, Lin Gan, Wang Zu, etc.), I'd say it's entirely possible that they are from Central Asia, especially given that the Uralic theory is so weak and is hardly accepted by most scholars today. I don't think it has to necessarily have something to do with the Golden Horde. Even the Csango are Magyars who split from the others on their way into Hungary, and don't forget the Szekely who settled there even earlier than Arpad. They're all the same people.
- Tuesday, January 12, 2010 5:06:00 pm
- Ádám said...
Zsolt András Biró is not a real scientist, he doesn't have even a PHD. He is political supporter of the Jobbik party, and leader of the Hungarian Turan Society, which is famous for the spread of fringle theories and pseudo-science.
Read about the "Hungarian Turanism" in English Wikipedia.
The name of the "Madjar people" means "faithful muslim"
- Sunday, May 19, 2013 7:35:00 pm


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Portuguese Republic
Area: 92,391 sq. km.; includes continental Portugal, the Azores (2,333 sq. km.) and Madeira Islands (828 sq. km.); slightly smaller than the State of Indiana; located in Europe's southwest corner bordered by Spain (North and East, 1,214 km.) and the Atlantic Ocean (West and South, 1,793 km.).
Major cities: Lisbon (capital, metropolitan area pop. 2.1 million); Porto (metropolitan area pop. 1.9 million).
Terrain: Mountainous in the north; rolling plains in the central and southern regions.
Climate: Maritime temperate (Atlantic-Mediterranean); average annual temperature is 61°F. Temperatures may drop into the low 30s (°F) at night during the coldest months, with daytime highs in the 50s and 60s. The remainder of the year is normally sunny with minimal rainfall. Days are pleasant, with temperatures seldom exceeding 95°F, except in the southern interior of the country; afternoons and evenings are breezy, with nighttime temperatures in the 60s and low 70s; May-October (dry and warm), November-April (cool with rain and wind in the north, mild in the south).
Nationality: Noun and adjective--Portuguese (singular and plural).
Population (2007 est.): 10.6 million. Ages 0 to 14 years--1.6 million (male 840,000; female 798,000). Ages 15 to 24 years--1.3 million (male 646,000; female 620,000). Ages 25 to 64 years--5.9 million (male 2,881,000; female 2,987,000). Ages 65 and over years--1.8 million (male 764,000; female 1,065,000).
Population density: 114 per sq. km. (44 per sq. mi.).
Annual growth rate (2008 est.): 0.8%.
Ethnic groups: Homogeneous Mediterranean stock with small minority groups from Africa (Angola, Cape Verde, Mozambique), South America (Brazil) and Eastern Europe (Ukraine, Romania).
Religion: Roman Catholic 92%, Protestant 4%, atheists 3%, others 1%.
Language: Portuguese.
Education: Years compulsory--9. Literacy (2004)--93.3%.
Health (2007 est.): Birth rate--10.59/1,000 (1.07 male/female). Death rate--10.56/1,000. Infant mortality rate--4.9/1,000. Life expectancy--77.87 years.
Work force (2008 est.): 5.6 million. Government and services (60%); industry and manufacturing (30%); agriculture and fishing (10%).
Type: Republic.
Constitution: Effective April 25, 1976; revised 1982, 1989, 1992, 1997, 2001, 2004, and 2005.
Branches: Executive--president (head of state), Council of State (presidential advisory body), prime minister (head of government), Council of Ministers. Legislative--unicameral Assembly of the Republic (230 deputies): PS=121, PSD=75, PCP=11, CDS/PP=12, BE=8, PEV=2, NINSC=1. Judicial--Supreme Court, District Courts, Appeals Courts, Constitutional Tribunal.
Major political parties: Socialist Party (PS), Social Democratic Party (PSD); Portuguese Communist Party (PCP); Popular Party (CDS/PP); Left Bloc (BE); Green Party (PEV).
Administrative subdivisions: 18 Districts (Lisbon, Leiria, Santarem, Setubal, Beja, Faro, Evora, Portalegre, Castelo Branco, Guarda, Coimbra, Aveiro, Viseu, Braganca, Vila Real, Porto, Braga, Viana do Castelo); 2 Autonomous Island Regions (the Azores and Madeira).
GDP (2008 est.): €169 billion (approx. $228 billion).
Annual growth rate (2008 est.): 0.8%.
Per capita GDP (2008 est.): €15,945 (approx. $21,547).
Avg. inflation rate (2008 est.): 2.46%.
Services (gross value added 69.2%): Wholesale and retail trade; hotels and tourism; restaurants; transport, storage and communication; real estate; banking and finance; repair; government, civil, and public sectors.
Industry (gross value added 28.3%): Textiles, clothing, footwear, wood and cork, paper, chemicals, auto-parts manufacturing, base metals, diary products, wine and other foods, porcelain and ceramics; glassware, technology; telecommunications.
Agriculture (gross value added 2.5%): Livestock, crops, fish.
Trade (2007): Exports--€37.5 billion (approx. $50.6 billion): machinery and tools 19.8%; vehicles and other transport materials 12.8%; base metals 8.8%; clothing 6.9%; plastics and rubber 5.7%; minerals and mineral products 5.7%; chemical products 5.1%; food products 4.6%; textile materials 4.5%; wood pulp and paper 4.5%; oil products 4.4%; wood and cork 4.3%; agricultural products 3.9%; footwear 3.5%; optical and precision instruments 0.9%; skin and leather 0.3%. Imports--€57 billion (approx. $77 billion): machinery and tools 19.8%; minerals and mineral products 14.0%; vehicles and other transport material 12.0%; base metals 9.9%; agricultural products 9.0%; chemical products 8.7%; plastics and rubber 5.0%; food products 3.6%; textile materials 3.1%; clothing 2.8%; wood pulp and paper 2.4%; optical and precision instruments 2.1%; minerals and mineral products 1.6%; wood and cork 1.3%; skins and leather 1.0%; footwear 0.9%. Export partners--Spain (27.47%); Germany (13.2%); France (12.46%); United Kingdom (6.0%); United States (4.9%); others (35.6%). All EU-27 (76.41%). Import partners--Spain (31%); Germany (13.1%); France (8.46%); Italy (5.5%); United States (1.6%); others (40.4%). All EU-27 (75.4%).
U.S. trade with Portugal (2007): Exports--$2.4 billion: electrical machinery, telecommunications 37.2%; aerospace 16.5%; machinery and mechanical appliances, computers 9%; oil seeds and grains 4.9%; all others 32.4%. Imports--$3.1 billion: mineral fuels, oils 25.7%; electrical machinery, telecommunications 14.9%; vehicles and parts 13.2%; cork and articles of cork 6.1%; all others 40.1%.
Foreign direct investment (FDI, 2007): Incoming FDI by industry: manufacturing--29.1%; real estate, rentals and services to companies--25.5%; wholesale and retail--23.8%; financial activities--8.4%; transport, warehousing, and communication--5.2%; construction--2.0%; electricity, gas, water--0.8%; exploration industry--0.7%; agriculture, silviculture, and fisheries--0.2%; other--4.3%. Incoming FDI by country in Euros (total €30 billion; approx. $40.5 billion): Germany--19.9%; United Kingdom--15.5%; Netherlands--14.7%; Spain--13.0%; France--11.2%; Luxembourg--4.3%; Belgium--3.0%; Switzerland--2.9%; United States--2.6%; Ireland--2.1%; other--10.8%. Portuguese FDI abroad by country in Euros (total €12.3 billion; approx. $16.62 billion): Netherlands--37.2%; Spain--12.8%; Brazil--4.6%; United Kingdom--4.6%; Angola--3.6%; United States--3.4%; Turkey--2.3%; Poland--2.2%; Luxembourg--2.0%; Romania--1.4%; other--25.9%.
Exchange rate (October 24, 2008): US$1 = €0.74 EUR
Portugal is one of the oldest states in Europe. It traces its modern history to A.D. 1140 when, following a nine-year rebellion against the King of Leon-Castile, Afonso Henriques, the Count of Portugal, became the country's first king, Afonso I. Afonso and his successors expanded their territory southward, capturing Lisbon from the Moors in 1147. The approximate present-day boundaries were secured in 1249 by Afonso III.
By 1337, Portuguese explorers had reached the Canary Islands. Inspired by Prince Henry the Navigator (1394-1460), explorers such as Vasco da Gama, Bartolomeu Dias, and Pedro Alvares Cabral made explorations from Brazil to India and Japan. Portugal eventually became a massive colonial empire with vast territories in Africa (Angola, Mozambique, Cape Verde, Guinea Bissau, Sao Tome) and Latin America (Brazil), and outposts in the Far East (East Timor, Macau, Goa).
Dynastic disputes led in 1580 to the succession of Philip II of Spain to the Portuguese throne. A revolt ended Spanish hegemony in 1640, and the House of Braganca was established as Portugal's ruling family, lasting until the establishment of the Portuguese Republic in 1910.
During the next 16 years, intense political rivalries and economic instability undermined newly established democratic institutions. Responding to pressing economic problems, a military government, which had taken power in 1926, named a prominent university economist, Dr. Antonio Salazar, as finance minister in 1928 and prime minister in 1932. For the next 42 years, Salazar and his successor, Marcelo Caetano (appointed prime minister in 1968), ruled Portugal as an authoritarian "corporate" state. Unlike most other European countries, Portugal remained neutral in World War II. It was a charter member of NATO, joining in 1949.
In the early 1960s, wars against independence movements in Portugal's African territories began to drain labor and wealth from Portugal. Professional dissatisfaction within the military, coupled with a growing sense of the futility of the African conflicts, led to the formation of the clandestine "Armed Forces Movement" in 1973.
The downfall of the Portuguese corporate state came on April 25, 1974, when the Armed Forces Movement seized power in a nearly bloodless coup and established a provisional military government.
Portugal moved from authoritarian rule to parliamentary democracy following the 1974 military coup against dictator Marcelo Caetano, who embodied a continuation of the long-running dictatorship of Antonio Salazar. After a period of instability and communist agitation, Portugal ratified a new Constitution in 1976. Subsequent revisions of the Constitution placed the military under strict civilian control; trimmed the powers of the president; and laid the groundwork for a stable, pluralistic liberal democracy, as well as privatization of nationalized firms and the government-owned media. Portugal joined the European Union in 1986 and has moved toward greater political and economic integration with Europe ever since.
The four main branches of the national government are the presidency, the prime minister and Council of Ministers (the government), the Assembly of the Republic (the parliament), and the judiciary. The president, elected to a five-year term by direct, universal suffrage, also is commander in chief of the armed forces. Presidential powers include confirming the prime minister and Council of Ministers; dismissing the prime minister; dissolving the assembly to call early elections; vetoing legislation, which may be overridden by the assembly; and declaring a state of war or siege. The Council of State, a presidential advisory body, is composed of six senior civilian officers, former presidents elected under the 1976 constitution, five members chosen by the assembly, and five selected by the president.
The government is headed by the prime minister, who is nominated by the assembly for confirmation by the president. The prime minister then names the Council of Ministers. A new government is required to present its governing platform to the assembly for approval.
The Assembly of the Republic is a unicameral body composed of 230 deputies. Elected by universal suffrage according to a system of proportional representation, deputies serve terms of office of four years, unless the president dissolves the assembly and calls for new elections. The national Supreme Court is the court of last appeal. Military, administrative, and fiscal courts are designated as separate court categories. A nine-member Constitutional Tribunal reviews the constitutionality of legislation.
The Azores and Madeira Islands have constitutionally mandated autonomous status. A regional autonomy statute promulgated in 1980 established the Government of the Autonomous Region of the Azores; the Government of the Autonomous Region of Madeira operates under a provisional autonomy statute in effect since 1976. Continental Portugal is divided into 18 districts, each headed by a governor appointed by the Minister of Internal Administration.
Current Administration
Parliamentary elections on February 20, 2005, gave the Socialist Party a comfortable majority for the new Prime Minister, Jose Socrates. Socrates' government formally assumed power March 12, 2005.
The Socialist Party's 2005 victory followed a period of transition after center-right (PSD) Prime Minister Jose Manuel Durao Barroso resigned to accept the nomination as President of the European Commission. Durao Barroso, elected in 2002, committed his government to public-sector austerity and business incentives to promote growth, trade, and productivity. It faced rising unemployment, meeting Eurozone fiscal requirements, and adapting to European Union and NATO enlargement. After Durao Barroso's resignation, President Jorge Sampaio asked the former mayor of Lisbon, Pedro Santana Lopes, to form a new government. Sampaio lost confidence in that government by the end of 2004, dissolved parliament, and called for new parliamentary elections.
Social Democrat Anibal Cavaco Silva, a center-right candidate and former prime minister, won the Portuguese presidential election on January 22, 2006 with 50.6% of the vote. He was sworn in on March 9, 2006, replacing outgoing Socialist President Sampaio.
Principal Government Officials
President of the Portuguese Republic--Anibal Cavaco Silva
Prime Minister--Jose Socrates
Minister of Foreign Affairs--Luis Amado
Minister of Defense--Nuno Severiano Teixeira
Minister of State for Internal Administration--Rui Pereira
Minister of the Presidency of the Council of Ministers--Pedro Silva Pereira
Minister of State and Justice--Alberto Costa
Minister of Finance--Fernando Teixeira dos Santos
Minister of Economy and Innovation--Manuel Pinho
Minister of Parliamentary Affairs--Augusto Santos Silva
Minister of the Environment--Francisco Nunes Correia
Minister of Culture--Jose Antonio Pinto Ribeiro
Minister of Agriculture, Rural Development and Fisheries--Jaime Silva
Minister of Public Works--Mario Lino
Minister of Labor and Social Security--Jose Vieira da Silva
Minister of Science, Technology and Higher Education--Jose Mariano Gago
Minister of Education--Maria de Lurdes Rodrigues
Minister of Health--Ana Jorge
Ambassador to the United States--Joao de Vallera
Portugal maintains an embassy in the United States at 2012 Massachusetts Avenue, NW, Washington, DC 20036 (http://www.embassyportugal-us.org/); Tel. 1-202-350-5400; Fax 1-202-462-3726 and consulates general in New York City, Boston, San Francisco, and Newark, NJ; consulates in Providence, RI and New Bedford, MA; and honorary consulates in Honolulu, Los Angeles, Houston, New Orleans, Chicago, Philadelphia, Miami, San Juan, and Waterbury, CT. The Portuguese National Tourist Office in the United States is located at 590 Fifth Avenue, New York, NY 10036 (tel: 1-212-354-4403).
Portugal's membership in the European Union (EU) contributed to stable economic growth, largely through increased trade and an inflow of EU funds for infrastructure improvements. Furthermore, Portugal's 1999 entry into the European Monetary Union (EMU) brought exchange rate stability, lower inflation, and lower interest rates. Falling interest rates, in turn, lowered the cost of public debt and helped the country achieve its fiscal targets. Until 2001, average annual growth rates consistently exceeded those of the EU average. However, a dramatic increase in private sector loans led to a serious external imbalance, with large current and capital account deficits that year.
The Government of Portugal managed to keep the budget deficit under 3% in accordance with the Eurozone's Stability and Growth Pact during 2002-2004. However, in 2005 Portugal acknowledged breaching the target when its budget deficit surged to an all-time high of 6.1%. Since that time, the Socrates government has worked hard to bring the budget situation under control. In 2006, the government reduced the deficit to 3.9%, mainly through revenue-generating measures (i.e., increased collection enforcement and higher taxes). The 2007 budget further reduced the deficit to 2.6% through spending cuts and structural reforms, and the 2008 budget brought the deficit down to 2.2%, the lowest rate in 30 years. The proposed 2009 budget projects the same 2.2%, as additional spending is offset by additional tax revenue. Helped in part by a wider EU recovery, the Portuguese economy grew by 1.9% in 2007, up from 1.4% the year before. A slowing regional economy meant the economy grew by only 0.8% in 2008, short of predictions, and the 2009 budget estimates 0.6% growth in 2009. Unemployment was 7.3% in early 2008.
The service sector, comprised of the public service, retail, tourism, and recreation, is now Portugal's largest employer, having overtaken the traditionally predominant manufacturing and agriculture sectors since the country joined the EU in 1986. EU expansion into Eastern Europe has erased Portugal's historic competitive advantage and relatively low labor costs, particularly in the manufacturing and agriculture sectors. The government is working to change Portugal's economic development model from one based on public consumption and public investment to one focused on exports, private investment, and development of the high-tech sector.
Due to slow economic growth, Portugal has lost ground relative to the rest of the EU since 2002. It is projected that Portugal's 2008 per capita GDP will stand at 65.6% of the EU-27 average and that it will drop to 19th in purchasing power parity behind Cyprus, Greece, the Czech Republic, Malta, and Estonia.
Portugal has been a significant beneficiary of European Union funding and is a strong proponent of European integration. Portugal held the presidency of the EU Council for the third time during the latter half of 2007. During its presidency, Portugal oversaw the signing of a new EU reform treaty, staged EU summits with Brazil, Russia, India, China, and Ukraine, and held a second EU-Africa summit.
Portugal is a founding member of NATO; it is an active member of the alliance by, for example, contributing proportionally large contingents in Balkans peacekeeping forces. Portuguese forces also participate in NATO operations in Afghanistan. Portugal proposed the creation of the Community of Portuguese Language Countries (CPLP) to improve its ties with other Portuguese-speaking countries, and it currently holds the chairmanship of the Community of Democracies (CD). Portugal has also participated in a series of Ibero-American summits. Portugal was a strong advocate of independence for Timor-Leste, a former Portuguese colony, and has committed troops and money to Timor-Leste in close cooperation with the United States, Asian allies, and the United Nations. Portugal contributed a small gendarme force to Iraq that it withdrew in February 2005, and has contributed funds and personnel for other training and development projects for Iraq reconstruction, including the NATO Training Mission. Portuguese forces are also part of the UN force in Lebanon.
Bilateral ties date from the earliest years of the United States. Following the Revolutionary War, Portugal was among the first countries to recognize the United States. On February 21, 1791, President George Washington opened formal diplomatic relations, naming Col. David Humphreys as U.S. minister.
Contributing to the strong ties between the United States and Portugal are the sizable Portuguese communities in Massachusetts, Rhode Island, New Jersey, California, and Hawaii. The latest census estimates that 1.3 million individuals living in the United States are of Portuguese ancestry, with a large percentage coming from the Azores. There are about 20,000 Americans living in Portugal.
The defense relationship between the United States and Portugal is excellent, centered on the 1995 Agreement on Cooperation and Defense (ACD). For 50 years, Lajes Air Base in the Azores has played an important role in supporting U.S. military aircraft. Most recent missions are engaged in counter-terrorism and humanitarian efforts, including operations in Afghanistan and Iraq. Portugal defines itself as "Atlanticist," emphasizing its support for strong European ties with the United States, particularly on defense and security issues. Portugal sees its role as host of NATO's "Joint Command Lisbon," located near Lisbon, as an important sign of alliance interest in transatlantic security issues.
U.S.-Portuguese trade is relatively small, with the United States exporting $2.4 billion worth of goods in 2007 and importing an estimated $3.1 billion. While total Portuguese trade has increased dramatically over the last 10 years, the U.S. percentage of Portugal's exports and imports has been growing at a slower rate. The Portuguese Government is seeking to increase exports of textiles and footwear to the United States and is encouraging greater bilateral investment. U.S. firms play significant roles in the pharmaceutical, computer, and retail sectors in Portugal, but their involvement in the automotive manufacturing sector has declined in recent years.
Principal U.S. Officials
Ambassador--Thomas F. Stephenson
Deputy Chief of Mission--David Ballard
Political/Economic Affairs--Richard Reiter
Consular Affairs--Eugene Sweeney
Management Affairs--Jesse Coronado
Public Affairs--Wes Carrington
Regional Security Officer--Gazman Xhudo
Commercial Affairs--Dillon Banerjee
Defense Attache--COL Karl Johnson
Office of Defense Cooperation--CDR Ted Bradfield
Consul, Ponta Delgada--Jean Manes
The U.S. Embassy is located at Avenida das Forcas Armadas, 1600-081 Lisbon, Portugal (tel.: +351-21-727-3300). The embassy homepages are: http://portugal.usembassy.gov and http://lisbon.usembassy.gov/.
The Ponta Delgada consulate is located at Avenida Principe Monaco, 6-2 Frente, Ponta Delgada, 9500-237 Sao Miguel, Azores (tel.: +351-29-628-2216). The consulate homepage is: http://www.usconsulateazores.pt/. The consular agent in Funchal, Madeira is Edgar Potter (tel.: +351-29-174-1088).


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News: Another Home Shutout For Surging PCC Softball
In the two previous seasons since the Pasadena City College softball team began playing home games at Robinson Park, the Lancers were often trying to avoid being on the wrong side of the mercy rule or scratching to just score a run. So far in 2013, it's the opponents who can't score on the Lancers, at least at PCC's off-campus home diamond.
PCC made it three shutout wins in three home games Tuesday in blanking Los Angeles Pierce College, 2-0. Cierra Newton (Marshall Fundamental) twirled her second shutout, allowing five hits, one walk, striking out while receiving flawless defense behind her.
The Lancers are 4-5 this season, already almost half way to the number of victories the program achieved in each of the last two seasons (nine wins in 2011 and nine in 2012).
Offensively, PCC scored its runs in the bottom of the first inning on a sacrifice fly by third baseman Katelyn Thordarson and a line-drive RBI single by red-hot second baseman Audrey Serna. Pierce pitcher Katelyn Vogler would not allow another run in scattering seven PCC hits over six innings.
Centerfielder Ashley Shaneberger batted 2-for-3 and stole two bases while designated player Melissa Izumida went 2-for-3 with a double.
Serna has been the team's early-season hitting sensation as she is batting .517 in nine games (15-for-29) with two home runs and 11 RBI. The Temple City High product launched a grand slam in PCC's 13-5 loss at Citrus College on Feb. 2. Most of Serna's basehits have been hard hit liners.
Thordarson, from Maranatha High, also has hit well with a .390 average and a team-high 13 RBI. The Lancers have a .339 team batting average, a far cry from most recent seasons.
"Audrey has been stinging the ball for us," said PCC second-year head coach Brittany Williams. "It's our defense that I'm most pleased with, though. We are making the routine plays and the pitchers are getting quick outs. We need to keep that faster pace flow."
The Lancers next play at Chaffey College on Friday, Feb. 8 in a 3 p.m. first pitch.
[Photo--Audrey Serna takes as strong cut during PCC's win over LA Pirce at Robinson Park, image by Richard Quinton, sports information photo.]
Release Date: 02/05/2013


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See All Contributors »
Looks like he will be on the next cast of the Ultimate Fighter with Kimbo Slice.
UFC® : Ultimate Fighting Championship®
Justin is hilarious. Used to party with him a little back in college. Best of luck. I'm not big on the MMA, but I'll probably tune in to watch him.
"Karl Malone love making up jokes. Karl Malone always say, 'laughter is the best Mexican.' "
-Jimmy Kimmel impersonating Karl Malone
I still wish he would have ended up wearing an I-State singlet.
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EX250F Ninja 250R
OldBikeBarn.com carries a selection of parts for the 2003 Kawasaki EX250 Ninja, everything we have for your model is listed on this page. As motorcycles age parts get discontinued, but we strive to keep maintenance parts and traditional custom parts available for you to repair and or retrofit your machine. Our vast selection of traditional custom motorcycle parts is aimed at keeping your 2003 Kawasaki EX250 Ninja running or converting it into a traditionally styled bobber, chopper, or Cafe Racer. If cup holders and billet doodads are you thing, then you're in the wrong place bro.
We are a true 'By Bikers for Bikers' website and chances are someone on our team has first-hand experience with the 2003 Kawasaki EX250 Ninja. We offer 24/7 support tickets, so you can always reach us to ask questions about our parts for your 2003 Kawasaki EX250 Ninja motorcycle. Traditional custom motorcycle parts and spares are our business and you won't be disappointed by what we can do for your 2003 Kawasaki EX250 Ninja if running, riding and traditional style are what you crave.
We carry parts for motorcycles right up to present day, but our team has a special love and care for older motorcycles and the people that ride them. Our mission is to take care of you and your 2003 Kawasaki EX250 Ninja keeping it in top running condition with our unique blend of spares and custom parts. Remember that some of these are custom parts that may require modification to your machine so be sure to check if you are up for the DIY challenge that garage built motorcycles bring!
Built not bought motorcycles are what we love to see! If you have a good picture of your customized 2003 Kawasaki EX250 Ninja please send it to email@example.com and we may post it on our blog or social media accounts. We are avid promoters of grassroots motorcycling the events and social interactions that surround them so be sure to check us out on Facebook or Instagram.
We appreciate your business and hope your 2003 Kawasaki EX250 Ninja brings you many more good miles and smiles.
-The OBB Team
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Honda/Kawasaki OEM Style Oil Filter$8.95
K&N Oil Filter KN-401$8.95
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Kawasaki/Suzuki Black Brake Lever$17.95
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EX250 Ninja Motion Pro Throttle Pull Cable$19.95
The Whiteknuckler Knife - Tan$69.95
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Kawasaki EX250/VN750-1500 Carburetor Air Cut Off Valve$29.95
Dynojet Intake Stage 1 & 3 Performance Kit #2138$79.95
Dynojet Intake Stage 3 Performance Kit #2138$79.95
K&N Stock Air Filter KA-2586$61.95


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ATLANTA -- Fifteen years after it opened, Centennial Olympic Park is about to get a facelift. Park management says it's time to hit the "reset button."
Jamie Hickox and her family were drawn into Centennial Olympic Park while waiting for the nearby Georgia Aquarium to open. "And then, once we got in here, we were like, 'Wow! That's pretty! I wonder what's over there? And over there?'"
Centennial Olympic Park is the heart of Atlanta's tourism triangle. When the park was designed before the 1996 Olympics, it was an oasis. "Everything else downtown was doom and gloom. The aquarium didn't exist. The World of Coke and the beautiful hotels; none of that was here," park assistant general manager Joe Skopitz said. "We were designed so you really couldn't see out to those spaces. And what we're finding 15 years later, if you're walking down the sidewalk, you can't see in."
As the neighborhood around the Park has changed, it stayed pretty much the same. Until now.
At a recent retreat for Georgia World Congress Center staff, the results of a survey were presented. They released preliminary plans to "reset" the park for the future.
AECOM was the architectural firm, even the two original architects who built the park. Plans are very preliminary, but could include more on-street parking, art installations, more chairs and tables, new water features, a carousel, restaurants, and a beer garden.
Hickox isn't a fan of that last idea. "I think alcohol will draw a different crowd other than what my children need to be doing."
Kathy Coleman and her family had just arrived from Jacksonville, Florida. "We need somewhere for the kids to stretch their legs and kind of cut lose," she said.
Comments like that will help the park on their next assignment: vet the project list. They hope to fund the ideas with corporate partnerships and private funds. There's no exact timeline, but park leaders are hoping to celebrate the park's 20th anniversary in 2016 with a new look.
What do you think the upgrades should include? Tweet your ideas using the hashtag #CentennialPark


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A big congrats to the Team Italy - Francesca Schiavone, Flavia Pennetta, Roberta Vinci, Sara Errani - on winning their second Fed Cup title and first since 2006.
They played an overmatched U.S. team in the final and dominated the series 4-0. On Day 1, Flavia beat Alexa Glatch, 6-3, 6-1, while Francesca defeated Melanie Oudin, 7-6(2), 6-2. Day 2 saw reverse singles with Pennetta clinching an insurmountable 3-0 lead by upending Mels 7-5, 6-2. The doubles rubber was still played with Sara + Roberta edging the Liezel Humger and partner Vania King, 4-6, 6-3, 11-9. The last singles rubber was canceled.
Mels made some interesting comments after the U.S. loss eluding to the absence of some lady baller on the team:
I wanted to come here. I wanted to play for my country. Other people choose different things. Some people I guess didn't want to play as badly as I did.Hmmm - I wonder who she could possibly be speaking about here?
But I think that the team that we had here really wanted to be here. You don't want people here that don't want to be here. Even if you lose, if you give it everything you have, then that's the best you can do.
(Photo: Reuters)


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Career Services
- Career Services Home
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- Symplicity
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Tools for Landing the Job
Tools for Landing the Job
The Career Services Office has developed guides to help law students organize their job search and professional development needs. A short description of each will follow with the appropriate link. After looking over the guides, please feel free to make an appointment with your career advisor to discuss these topics.
Researching Employers - Employers are looking for candidates who genuinely want to work for them. Researching employers will help you determine if they are a good fit with your interests.
Resumes - A resume has one purpose: to motivate an employer to invite you to interview. Consequently, a legal resume is more than a biographical sketch; it is a marketing document designed to show the fit between your credentials and an employer's needs.
Cover Letters/Follow Up - The purpose of a cover letter is to get an interview. It should demonstrate the fit between your strengths and the job's requirements, serve as a positive writing sample, provide, as necessary, information not on the resume, and move the hiring process to the next step.
Writing Samples/Transcripts - Some employers request that you submit a writing sample as part of your application, or that it be provided in the interview. If an employer specifies a certain format, be sure to conform your writing sample accordingly. However, most firms do not give any guidelines.
References - Some employers request that you provide names and contact information for individuals who can speak to your abilities and accomplishments. Therefore, you should keep an updated list of three or more individuals who have agreed to serve as references for you.
Interviewing - A critical component of the job search is a successful interview strategy. Interviews are generally the first face-to-face meeting between you and a prospective employer. Therefore, it is imperative that you not only make a favorable impression, but use the limited time in an interview to demonstrate your competency, sincere interest, skills, individual strengths, and unique fit with the employer.
Programs and Events - Orientation for all classes, resume workshops, interview workshops and practice interview programs are just some of the programs we offer.
Video Conferencing - We are a participant in the Law School Connect videoconferencing network, which enables law firms, judges and nonprofit employers to remotely interview Moritz students via videoconferencing equipment and network connectivity in place in the library's Bench and Bar Room.
Timelines (1L | 2L | 3L) - Suggested timelines for each class are available to help all students stay on track to obtain the best job possible.


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Separation Through Electrocoalescence
Application ID: 8592
Applying an electric field across a suspension of immiscible liquids may stimulate droplets of the same phase to coalesce. The method known as electrocoalescence has important applications, for instance, in the separation of oil from water.
To model electrocoalescence, you need to solve the Navier-Stokes equations, describing the fluid motion, as well as track the interfaces between the immiscible fluids. In order to include the electric forces, you also have to solve for the electric field. The electric field depends on the position and shape of the water droplets. This complex multiphysics process can readily be set up and solved with COMSOL Multiphysics.


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DAYTON, Md. (WUSA) -- A man was driving a 2008 Cadillac Escalade southeast on Triadelphia Mill Road in the area of Michele Drive when he swerved off the road and hit a tree on early Friday morning.
Police say Zachary Jacob Hanlon, 18, of the 14000 block of Triadelphia Mill Road was flown to the University of Maryland Shock Trauma Center in Baltimore in critical condition.
According to police, the driver wasn't wearing a seatbelt at the time of the crash and was ejected from the car.
The crash investigation is ongoing.


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RFID Update: Back on growth track
WEBCAST: Learn how Sumitomo Electric has implemented RFID technology to help monitor movement and levels of raw materials from designated warehouse areas.
March 01, 2011
Rethinking retail
Perhaps the biggest example of the change in perception is in the retail supply chain, where the hoopla began.
The starting point in 2003 was to tag cases and pallets at the point of manufacture with inexpensive passive RFID tags to track cases and pallets flowing through retail distribution centers and transportation networks. That would allow retailers to know just what inventory they had and where they had it.
The retail supply chain, however, is an open loop. There are any number of participants that are out of the retailer's control and are only going to handle the merchandise once, including manufacturers, distributors, third-party logistics providers, and transportation providers. Unless every one of those players agreed to read and share data, there were still dark holes along the way.
Today, the starting point is the individual items on the retail shelf, especially apparel. That's because the retailer's store is a closed loop that begins at the retailer's distribution center, with stops at the back room of the store, the shelf, and the point of sale. The retailer controls each of those stops and can ensure compliance. What's more, it's not just Wal-Mart following this script.
"We are seeing department stores and we are seeing closed loop brands—apparel makers that own their own stores—doing item-level tagging in their stores," says Prasad Putta, general manager of merchandise visibility for Checkpoint Systems. "Their value proposition is the reduction of out of stocks to increase sales."
Without RFID, a retailer may know what inventory it has in the store, but it doesn't know whether the size, style, and color it needs to make a sale is on the shelf or in the back room.
"Retailers we talk to will tell you that their inventory in the store is only about 60 percent accurate," says Zebra's Ricci. "The labor it takes to go out and count all the merchandise in a store is expensive."
By tagging the merchandise and then reading it in the stock room, when it leaves the stock room and through daily or weekly audits at the shelf, a retailer can fill in that gap. "Many of the retailers we work with are putting an RFID read point at the door between the back room and the sales floor," says Putta. "When the product leaves the back room, they can automatically update their inventory levels." Likewise, they may audit the shelves with a handheld reader to see what needs replenished, or use information from a point-of-sale system to drive replenishment.
In these cases, the RFID tag isn't just a replacement for a bar code; it can also provide information that isn't contained on a bar code. "With apparel, you have all the different permutations of style, size, and color that can't be captured by a bar code," says Impinj's Krause. "You know you've sold a pair of jeans, but you don't know if you need to replenish the 32-inch by 32-inch jeans, or the 32-inch by 30-inch jeans. With RFID, you can grab a handheld reader, walk up to a wall of jeans, and know what you've sold through."
The next step is to integrate those in-store systems with the back-end systems in the warehouse to automate the replenishment system.
"We're clearly at an early adopter phase," says Krause, "but the growth is explosive."
RFID gets active
The retail supply chain uses passive RFID tags. Some of the most exciting applications and solutions today use more expensive active RFID technology. These are tags that incorporate a battery in the tag as a power source. This allows them to broadcast information at scheduled times.
Most of these solutions are in closed loop applications that are controlled by an organization, especially manufacturers. "Once people began thinking about RFID, they began to look at other ways to get involved with the technology," says Motorola's Schaefer. "The starting point was inside the four walls of their plants, their distribution centers, or in the transportation nodes that they control."
Manufacturers, for instance, are applying RFID technology to keep track of the manufacturing process. "The No. 1 application is fault and process step tracking," says Hornis of Pepperl + Fuchs. "You may have 100 small but different steps in a process and you want to be sure that it passed each step. That information can be written to a tag." Likewise, Hornis adds, a manufacturer may use the tag as a mobile database that is read when a product like an automobile assembly, reaches a workstation. The tag tells the equipment, or an operator, what work needs to be performed or what component needs to be added to that particular vehicle.
Generically, the industry groups theses solutions under the asset management umbrella. They want to know what assets they have, where they are, and whether they can get them to the place where they're needed at the right time. The pay off is better utilization of the asset.
And while RFID is part of the conversation around asset management, it's not the sole conversation, says David Shannon, senior vice president of strategy and corporate development for Savi Technology. Increasingly, technologists are combining RFID technology with other data collection technologies and application systems for a richer experience.
"RFID now touches bar codes, it touches sensors, it touches WiFi, and it touches GPS," says Shannon. "It may be associated with data collected directly by a sensor or it may be connected to data that's found in a database."
What Shannon is getting at is a notion called convergence. The idea is that many automatic data capture technologies work best when they're used in conjunction with other complementary technologies. The Department of Defense, for instance, is not only interested in the location of an asset, but also in the condition of the products, or their readiness for use.
"The solutions we're developing now can monitor the location of an asset in the supply depot," says Shannon. "But we can also track the progress of a repair during the maintenance processes and then track the asset as it flows into the theater of operations."
While Savi is focused on military applications, the private sector is applying similar solutions to critical assets. Aircraft maintenance organizations, for instance, are using RFID to track the location of critical tools required for repair operations and to associate that information about whether the tool has been inspected or calibrated and is ready for use. Other organizations are using active RFID as a resource management tool to keep track of people working in hazardous environments to make sure they're safe.
"There are so many interesting things going on," says Liard of ABI Research. "They're far reaching. They're broad. And, they're real." Seven years after the Wal-Mart mandate that may be the most important message of all.
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Hello there folks!
I'll dive right into what's troubling me, as to not waste any time. Over the course of two years, two-and-a-half at a push, I've been working on my Minecraft RP Server's world map. There have been a total of three iterations (the current being the third), but none of them have seen the public eye yet.
Whilst designing the latest version I took some inspiration from this site and it's wonderful cartographers; island positioning, spacing, etc. The result was a design of my own hand; the map has six large continents, with surrounding islands of substantial size. I've already completed three of the six continents; two in the North, and one in the far South. However, it's the rest of the landmasses that are causing me grief. I'm unable to come up with a suitable, realistic layout of the terrain for these islands/continents!
An important matter that I feel I should mention is that all of the pictured, below, was once a single landmass, long ago, in my server's lore; I'd like to keep it as realistic to that fact as possible, and have been attempting to make sure the islands fit each other, and the terrain is consistent with tidal drift.
Included below is a picture of the current map (as of 09/01/13).
Please disregard the pink colouring; this is for the program that I designed it in, for a cavern system.
As you can see, the continent to the North is the most mountainous, and shares some of it's rocky terrain with it's neighbour to the right; this continent, however, begins to flatten out as we head East and South-West. To it's south is a smaller, hilly island, with a swamp on it's Eastern flank.
I've tried to capture the feeling that the farther North you go in this map, the more mountainous it will become. The more South, the flatter, but I still expect mountains of course! Love them!
The main problem is the Southern continents; the South-most one, and it's immediate neighbour to the North (the one with the long, stick-out land heading East).
*How do I approach this?
*Where should the mountains go?
*What biome should each island have?
*Where would logical rivers be?
To anybody with the answer to these questions: please reply here, and assist my fledgling cartographer attempts!


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May 31, 2016
A state board has approved the sale of $33 million in bonds to finance the purchase of thousands of new buses for Alabama public schools.
The Alabama Public School and College Authority voted 2-0 Monday to approve the purchase of the bonds.
State Superintendent Tommy Bice said schools could buy as many as 5,743 buses with proceeds from sale of the bonds. But he said the number of new buses will likely be less because the money can also be used to pay off old transportation debt.
The board also approved the sale of $300,000 in bonds to replace roofs and do other repairs on schools in Randolph County.
The board declared its intent to issue bonds later to construct a training facility for Airbus in Mobile.
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Hello, I can not figure out how to fix this problem.
I have a virtual domain set up, mail.virtualdomain1.com and some user accounts
ie., user1, user2, ... etc
external mail incoming to email@example.com works fine.
same external mail incoming to firstname.lastname@example.com gets rejected, zimbra log says postfix NOQUEUE.
I have tried setting up secondary MX records for virtualdomain1 as mx virtualdomain1.com and setting a domain alias in zimbra for mail.virtualdomain1.com as virtualdomain1.com but still get the NOQUEUE problem. help???
i have split dns and set the external mx record for virtualdomain1.com and
the internal dns set for mx virtualdomain1.com
dig mx virtualdomain1.com shows both mx records on the zimbra server.


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About SWSC
General Info
Our club in brief...
Contact Us
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