text:
In a new twist on selling last minute cruise cabins, easyCruise announced today it has "partnered" with eBay. eBay users will be able to buy cruises on both an "auction" and "buy it now" basis. While auction prices will start at just 1 GBP ($1.87 according to latest exchange rates) in the U.K., "buy it now" prices will start from 30 GBP ($56) per person, for a two-night break and 39 GBP ($73) per person for a three-night break, based on two people sharing.
You can still troll the easyCruise Web site as well -- it has special offers that are competitive with "buy it now," such as a French and Italian Riviera trip from 39 GBP per person for a three-night cruise. But more typically, fares for those travelers who must plan ahead run about 99 GBP per person for a three-night weekend in the Caribbean.
The offers, right now available only on eBay's main site, will be expanded to the company's more regional sites in the U.K., Germany, Italy, Switzerland, Austria, India, USA and Australia. Itineraries will be expanded to the Caribbean when that season begins for easyCruiseOne.
So far the deals would make even the most parsimonious cruiser's eyes light up -- an inspection of the current "completed" easyCruise auctions on eBay.co.uk showed someone winning a three-night cruise for two to the French Riviera for 1 GBP! But the concept is clearly based on attracting bids from folks who don't need to worry about long-term planning or the need for airfare. That 1 GBP pound cruise fare may quickly escalate when airfare and transportation costs to the port are factored in.
--by Dan Askin, Editorial Assistant
Your Ultimate Cruise Guide
- Reviews
- Find A Cruise
- Deals
- Cruises to
- All Destinations
- Alaska Cruises
- Australia & New Zealand
- Bahamas Cruises
- Bermuda
- Canada & New England
- Caribbean Cruises
- Caribbean - Eastern
- Caribbean - Southern
- Caribbean - Western
- Europe Cruises
- Europe - Baltic Sea
- Europe - British Isles & Western
- Europe - Eastern Mediterranean
- Europe - Western Mediterranean
- Mexican Riviera
- Panama Canal
- How to Cruise
- News
Home >
easyCruise Offers Cruises on eBay -- from Under $2!
easyCruise Offers Cruises on eBay -- from Under $2!
October 23, 2006


text:
5th World Summit on Media
March 22, 2007
In March 2007, WAFF was invited to present at The 5th World Summit on Media for Children in Johannesburg, South Africa, focusing on media as a tool for global peace and democracy. The Summit brought together children and adults from all over the world who are using media to promote literacy, gender equality, independent thought, environmental responsibility and global health, while also amplifying children's voices and cultures. WAFF President, Nancy Hunt, spoke on the idea of "we are family," as well as the impact of We Are Family: A Musical Message for All children's educational DVD.

subset: commoncrawl


text:
LOS ANGELES (LALATE) – Lawrence O'Donnell and Tamron Hall are getting serious, claims two reports today. Lawrence O'Donnell and Tamron Hall have been dating "secretly", claims two separate news reports Friday. Lawrence and Tamron are both MNBC anchors. Neither have yet to comment about the claims.
Lawrence O'Donnell is the host of "Last Word". Tamron Hall (photos below) is the channel's midday anchor with NewsNation with Tamron Hall. She also substitutes for the Today Show and Weekend Today.
The NY Post claims that O'Donnell is divorced from Kathryn Harrold. Online reports state differently. Harrold played Lauren Bacall in the 1980 film Bogie. She also played Helen Rowland in Desperate Housewives.
O'Donnell was an executive producer of the TV series The West Wing. His writing or producing credits also include First Monday, Mister Sterling. O'Donnell has act as well, playing the part of Lee Hatcher on Big Love and Judge Lawrence Barr on Monk.
Tamron Hall Pictures
Tamron Hall Photo 1
Tamron Hall Photo 2
Tamron Hall Photo 3
Tamron Hall Photo 4
MTO today claims that Hall and O'Donnell have been secretly dating at that O'Donnell previously also dated Kerry Washington. The NYPost also claims the two have been serious for several months.


text:
Employee stock option
An employee stock option is an option to purchase company stock offered to an employee usually either as compensation or as a performance incentive.
- 1 Expanded Definition
- 2 Related Fool Articles
- 3 Other resources
- 4 Related Terms
- 5 Recent Mentions on Fool.com
Expanded Definition
The life cycle of an option
The employee's view
An employee stock option is a right to buy one or more shares of the company at some future time at a set price called the exercise price. This right is given by the company to the employee. When properly done, the exercise price is set equal to the company share price on the date of the award. The options will vest (become owned by the employee) over some schedule, such as 25% per year.
At some future time, if the company's stock price has gone up, the employee can exercise the option and pay that price to the company. The company then delivers a share of stock to the employee. Note, this share comes from either shares the company had purchased on the open market or from the non-issued shares out of the pool of authorized shares that the company's charter had set up. (It is only the issued and outstanding shares that are counted in the market cap, so those non-issued shares, and the ones the company had repurchased previously, weren't "outstanding" until they were sold to the employee. This point is used shortly.)
What the employee has, now, is a share of stock purchased at a price lower than the current market price. From the moment of exercising the option, the newly received shares act just like any other shares of the company and can be kept or sold. The difference in those prices is taxable income to the employee and many times, the employee sells enough shares to cover the tax bill. The employee can either keep the rest or sell them on the market, pocketing the difference between the selling price and the exercise price.
Many employees (executives, especially) view options as part of their compensation and you will see that they regularly exercise them and then sell them to get the money. In fact, there's an approved plan (on file with the SEC) that allows this to be done on an automatic basis, so they aren't taking advantage of share price movements and insider information. If the number of options is not unduly large, if the executives continue to have a stake in the company from other areas, and if they do not get lots and lots of new options to keep doing this forever or at a higher level, then the regular exercising of options and selling of shares (which has to be filed with the SEC) should not be of huge concern.
The company's view
As far as the company is concerned, what has happened is that the outstanding shares have been increased. (See? Here's that point from above.) This is the dilution that everyone is/was worried about when options were real common. People who already owned shares had their ownership stake (percentage) reduced by this increase in outstanding share count. Now, the company can either let this situation continue (and watch its EPS growth be smaller than it would otherwise be) or it can repurchase the shares from the market.
But here's the rub. The company sold the shares to the employee at the (lower) exercise price. It is now buying shares from the market at a much higher price. (Those repurchased shares can either be retired (removed completely) or stored, to be sold to the next employee exercising an option.) The difference in price between what the company receives from the employee and pays to repurchase is lost, gone, vanished ... spent. In other words, the company is spending shareholder money to subsidize employees. It either does that or sees its earnings per share shrink.
How to align interests
The whole reason for stock options comes from something called the "principal-agent" problem. How do the owners of a company (the shareholders, the "principals") align the interests of the people who work for the company (management and employees, the "agents") with the owners' interests? After all, management and employee interest is usually to earn (or get) as much money as they can. That could occur in several ways which may or may not be good for the company and its owners. After all, if an employee works overtime (to earn more money) but is playing solitaire on his computer instead, he's fulfilling his or her own interest, but not the owners' interests.
So how to get the employees' interests to align with the owners (who want the value of their investment to increase)? One way is to give the employees a vested interest in the company itself, through ownership.
But what if the employee cannot afford to buy shares of the company or they are not generally available, such as is often the case in privately-owned companies? Well, you can give the employees an option to buy shares of the company at a certain price (the strike price or exercise price). Even better, you can space out the "vesting" of the options so that only a portion of them become "owned" by the employee each year. Then, over time, as the stock price (hopefully) rises above the strike price, those options will become valuable to the employee. The employee could exercise the option then immediately sell the shares, use some of the proceeds to pay for the exercise and pocket the difference. Thus, the employee will work for the good of the owners, because he becomes an owner, too.
Well, sort of.
A couple of problems
The option isn't really ownership of a stake in the company. It is the right to buy ownership at some future date. And this causes two problems.
First, if the stock price falls below the exercise price, so the options are "underwater," then why should the employee exercise the option? They'd have paid for something that is worth less than what they spent and who does that if they can avoid it? (But doesn't that make the employee want to work harder to bring the price back up? M-m-maybe. Actually, some companies re-price the option, lowering the exercise price to the then-current stock price, which doesn't seem very fair to outside shareholders.)
Second, unless the employees have the funds to pay the exercise price out of their own pockets (and even if they do), they will certainly sell at least some, and maybe all, of the newly purchased shares and use the proceeds to pay for the exercise itself. And if they sell all their shares and pocket the cash, and there is nothing to prevent this, where's the ownership then?
The justification
Companies that are not generating very much revenue or profit and companies that are growing quickly, reinvesting all their profit back into the company, generally don't have money to pay large salaries to employees and management. But they need good, hard-working employees to grow the company to a point where they can afford to do so. So instead, they often "pay" their employees with options, counting on the growth of their stock prices to compensate the employees in the future.
Used reasonably with employees who are anxious to see the company grow, this is a perfectly valid method of paying people, as long as they get paid in some cash, too. After all, you can't spend these options to support your family this month.
The abuse
During the late 1990s and early 2000s, things got out of hand.
No expensing
For one, options were not treated as an expense on a company's books -- they were treated as "valueless" -- unlike such mundane things as salary and wages. Those have to be deducted from revenue on the way to calculating net income. This came about after the 1973 Employee Retirement Income Security Act, which created tax incentives for companies to set up employee stock option plans. The real kicker, however, came with the special tax treatment of stock options, which allowed companies to defer taxation on compensation based upon options. While compensation comprised of cash or stock is taxed at market value, stock options were assumed to have zero value at issuance -- so the employee paid no tax and the company recorded no expense until the options were exercised.
In other words, no expense to the company = "free." That is, the company could use as many as they wanted to pay employees, especially management. And they did. Grants of thousands, even millions of options became commonplace. And when the difference between the exercise price and the stock's trading price measured in the tens of dollars, all of a sudden we're talking about tens or hundreds of millions of dollars of compensation that didn't have to be accounted for by the company. Woo hoo! Give 'em to everybody!
But were stock options really worth nothing when they were issued? If so, then why were they such a significant component of compensation? Or, as Warren Buffett said in 1998: "If options aren't a form of compensation, what are they? If compensation isn't an expense, what is it? And if expenses shouldn't go into the calculation of earnings, where in the world should they go?"
Indeed. This is an interesting dichotomy of logic: Companies calculate depreciation schedules for the value of assets based on estimates of their expected useful life and the recovery value, but they claimed to be incapable of putting together an estimated value for stock options. Hmm.
When the options vested and were exercised, the shares had to come from somewhere. And where they came from was usually out of stock that the company had repurchased at some time previously. In other words, the company was spending shareholder money to buy shares on the open market at full price, only to turn around and give them to employees who exercised their options at a price much lower than full price. That difference between full price and strike price, effectively, went right into the pockets of the employees and out of the pockets of shareholders.
Worse, by selling shares to the employees as they exercised the stock option, the outstanding share count of the company increased. (The shares come from those repurchased shares held by the company or from non-issued shares from the total authorized by the company's charter. In both cases, these sources do not count toward the outstanding share count.) This meant that current shareholders were "diluted" in their ownership stake. They got smaller pieces of the pie. Dilution amounts of 10% or more per year were not unheard of.
The abuse got to be so prevalent that some companies broke the rules. The rule is that the strike price is the price of the company's stock on the day the stock option was granted. But nobody can truly control the stock price, so that might turn out to be the highest or lowest or middle price of the quarter or the year, totally by chance.
However, some companies "adjusted" the date the grant was "issued" to make it appear that it was issued at a relatively low price. They did this so often that it could be shown that the odds of that happening by chance were quite small. In other words, they "backdated" the options, giving the holder an even bigger spread (profit) between the strike price and the share price. Apple, among others, was caught with its hands in the cookie jar.
One major problem that allowed the abuse to get out of hand was that the owners of the company abdicated their part of the principal-agent problem. They didn't care. Stock prices were going up, so the value of their ownership stakes was increasing. So what if the employees (especially management) were gaming the system a bit? As long as I got mine, let them have theirs seemed to be the attitude.
In 2004, after several scandals over egregious abuse of options, the FASB, the body which sets the rules for GAAP, issued FAS123(R) which required companies to record as an expense option grants given to employees, beginning in fiscal years starting after June 15, 2005. Remarkably (or not), the number of stock options granted to employees dropped rather dramatically once the expense of them had to be shown up front.


text:
Are you as tired as I am of Citizens' United, the gift that keeps on taking? Almost every time I get online, I get word of some disaster or government action plainly not in the interest of ordinary citizens.
Running for Federal office has been tremendously expensive most of my lifetime – with the notable exceptions of a few grassroots campaigns. The Citizens' United decision that Money Is Speech effectively put 99% of America out of the running. Corporate money buys the candidate, and s/he continues to get money as long as s/he follows the corporate line.
This doesn't matter so much with social issues. To a corporation, women's health care access, marriage equality, LGBT concerns, and even hemp legislation matter only as they affect the corporate bottom line. They can play it either way; it isn't really their fight.
Where it does matter is issues that affect all of us. The 1% can make sure they don't live anywhere likely to have coal ash spills, chemical spills, or explosions. Their job is to fight regulation by the government – the only instrument that can step in and save the 99%
Democratic Leader Nancy Pelosi and Representative John Sarbanes have recently introduced a new Government by the People Act to counteract Citizens United. This bill provides for public funding of Federal elections by small-money donors. Public funds will turn a $25 donation into $175 – a small overview of how this works. The idea is to make our federal representatives listen to US, not corporations.
Democracy for America, Progressive Change Campaign Committee, the Sierra Club, and the NAACP are among the more than 40 labor and good government organizations that have endorsed this effort.
Okay, maybe you don't like some of these organizations – but aren't you tired of being owned? How many corporations dump into YOUR drinking water?


text:
Top Definition
When you get a coffee from an establishment (Tim Hortons) and you would like the open/sipping part of the lid to be placed on the seam of the cup. This prevents the seam of the cup from impeding the seal of the lid causing the coffee to spill on you.
Hi I will get an extra large double double "lip on seam" please.
by jaslan September 14, 2011


text:
I just performed a wireless network scan and my primary wireless route broadcasts a consist 70 DBm signal. I added a range extender that increases or decreases the signal 65 DB (Not sure how the DB m scale works)
Is this considered a poor signal? What is considered an excellent signal strength?
I experiences a lot of dropped connection and slow network speed.
Thanks for all the feedback. I went ahead and reconfigured my wireless network set up to connect all my gaming devices via CAT5e cable and all other deivices connect wirelessly. I ran my diagnostic check again and I receive a consistent signal broadcast at 70 DBm throughout my whole house.


text:
Cats Take on USC at Dedeaux Field
Arizona (17-20, 6-9 Pac-12) at USC (17-17, 6-9 Pac-12)
Thursday, April 17 // 7 p.m. (PDT)
Friday, April 18 // 7 p.m. (PDT)
Saturday, April 19 // 7 p.m. (PDT)
Tucson, Ariz. // Hi Corbett Field
» Watch on Pac-12 Network
Today's Links
» Live Stats: Link
» Live Video: Link (Pac-12 Network)
» Live Audio: Link
Press Box
» Arizona Game Notes // USC Game Notes
» Arizona Stats // USC Stats
» Arizona Roster // USC Roster
» Arizona Schedule // USC Schedule
Probable Starters
Game 1: RHP James Farris (4-4, 4.59) vs. RHP Wyatt Strahan (2-3, 4.25)
Game 2: RHP Cody Hamlin (5-2, 2.14) vs. TBA
Game 3: RHP Tyger Talley (1-0, 4.73) vs. TBA)
Television/Live Stream
All three games will be televised live on the Pac-12 Network. JB Long (play-by-play) and J.T. Snow (color analyst) will provide the in-game commentary from Dedeaux Field each day. Cable/satellite subscribers who get the Pac-12 Network are able to watch online at http://pac-12.com/network/pac-12-network.
Arizona Baseball on the Radio
The Arizona IMG Sports Network will have a live radio broadcast on 1290 AM in Tucson for all three games this weekend. The Voice of the Wildcats, Brian Jeffries, will provide the live play-by-play descriptions. The broadcast can be heard online here.
On Deck: Arizona Hits Road For Three Games at USC
Arizona returns home to host rival Arizona State next weekend (April 25-27) at Hi Corbett Field in Tucson, Ariz. The first two games of the series will be televised on the Pac-12 Network at 7 p.m. (MST) on Friday and 7:30 p.m. on Saturday. On Sunday, the series finale will air live on ESPNU beginning at 4:30 p.m. Earlier this season, the two schools split midweek non-conference games in Tempe. The winner of next weekend's series will claim the baseball point awarded in the Territorial Cup Series, a year-long competition across all common sports between the two schools.
Arizona Baseball Tickets
General admission single-game tickets for all home games are on sale through the McKale Ticket Office, which is is open Monday-Friday from 9 a.m.-5 p.m. Tickets can be purchased in-person or by phone (520-621-2287). Tickets also can be purchased anytime on www.arizonawildcats.com. The Hi Corbett ticket office opens 60 minutes prior to game time this weekend. For all home games, fans are encouraged to purchase tickets in advance as tickets purchased the day of the game are $2 more. Complete ticket information can be found here.
Print-at-Home Tickets
Print-at-Home is the quickest and recommended method of ticket delivery. When fans purchase single game tickets online or over the phone, they can choose print-at-home and the tickets will be emailed directly to the customer. Tickets can be printed on a home printer and bought straight to the entrance gate to skip any ticket lines.
Social Media
Follow @ArizonaBaseball on Twitter for continual updates on the Wildcats at home or on the road, including score updates, news, facts and other pertinent information. Interact with @ArizonaBaseball for chances to win prizes and participate in promotions throughout the season. Be sure to "like" Facebook.com/ArizonaBaseball for stories and behind-the-scenes updates on the club, including photos and videos. Check out YouTube.com/ArizonaAthletics or YouTube.com/UAWildcatBaseball for the most recent videos and Instagram.com/ArizonaBaseball for candid photos throughout the season.


text:
Technote (troubleshooting)
Patches for Windows Fixlet content only covers security bulletins.
Resolving the problem
IBM uses the information published by Microsoft along with a variety of other sources for each security vulnerability and patch that Microsoft publishes. Using this information, our TEM content developers write Fixlet messages to pinpoint computers that have existing security vulnerabilities. All patch deployments are verified via the registry or file properties using our relevancy language. This content includes but is not limited to Security updates release through Microsoft bulletins, service packs or update rollups associated with public security bulletins, and related publicly available hotfixes that resolve issues caused by supported security updates.
Note: Not all Microsoft Knowledge Base articles containing patches are publicly available or are supported by TEM patch security content.
Note: Patches for Windows Fixlet content only covers security bulletins and Updates for Windows Applications. Security advisories are handled differently and are generally released at a later date. We normally do not update non-security related patches, however we will review requests for Fixlets and publish them at our discretion. You can use the Windows Software Distribution Wizard to create tasks to deploy non-security patches to your endpoints.
In addition, IBM provides limited support for Windows applications as noted here.
If you would like to request additional content be added to the Fixlet contents please submit an enhancement request via the enhancement request tool here.
To determine if the patch is question is a Security Bulletin or a Security Advisory please see the following examples.
Note: Content not provided by IBM can be developed through custom content ( Fixlet Authoring), the Windows Software Distribution Wizard, or through our Professional Services Group.
For additional information please see the following article: http://www-01.ibm.com/support/docview.wss?uid=swg21505562 http://www.bigfix.me/
Related information
Understanding Microsoft Patches and Tivoli Endpoint Man
Historical Number


text:
AHL announces suspensions
SPRINGFIELD, Mass. … The American Hockey League today announced the following suspensions:
• Springfield Falcons center Cody Bass has been suspended for three (3) games as a consequence of a charging incident in a game at Connecticut on Feb. 17.
Bass will miss Springfield's games Friday (Feb. 24) vs. Bridgeport, Saturday (Feb. 25) vs. Connecticut and Sunday (Feb. 26) at Portland.
• Albany Devils right wing Nathan Perkovich has been suspended for three (3) games as a consequence of his actions in a game vs. Binghamton on Feb. 19.
Perkovich will miss Albany's games Friday (Feb. 24) at Syracuse, Saturday (Feb. 25) at Manchester and Sunday (Feb. 26) at Bridgeport.
• Bridgeport Sound Tigers right wing Tomas Marcinko has been suspended for three (3) games as a consequence of a boarding incident in a game vs. Albany on Feb. 20.
Marcinko will miss Bridgeport's games Friday (Feb. 24) at Springfield, Saturday (Feb. 25) vs. Providence and Sunday (Feb. 26) vs. Albany.
- Peters, Mueller among five signed by Coyotes
- Canucks ink Megna, Chaput, Rendulic, Billins
- Devils sign Camper, MacWilliam
- Avalanche sign eight
- Detroit agrees to terms with Lorito, Street, Pasquale
- Predators sign defenseman Irwin
- Blackhawks agree to terms with Abbott
- Sabres sign Falk, Fedun


text:
- Location:
- Party Albums:
- 1
Pink and Gold Minnie Table (37 photos)
Sign In or Register Now
My daughter recently
turned 3 and she loves Minnie Mouse so I decided on a Minnie Mouse
afternoon tea party with a pink and gold theme for something a little
My favourite details are the gold Minnie Mouse characters, that I
spray painted and glittered gold, the beautiful cake topper and
without a doubt my favourite is the big Minnie Mouse silhouette
backdrop which I made out of sewing hundreds of gold and pink fabric
flowers and then attaching them to the backing board.
I hope you love this party as much as I did putting it together.
Vendor Credits: Styling, props, handmade backdrop and table
centrepiece, cake and mini desserts (except Macarons) by The Sweet
Tiffany chairs from Piece of Cake Parties and Celebrations:
Printables by Sweet Scarlet Designs:
Cake topper from Glistening Occasions:
Minnie Mouse macarons from: https://www.facebook.com/au.lepetitmacaron


text:
State buys up Route 2A land for Circ alternative
Construction start still in the air By Jess Wisloski Observer staff The traffic backing up along Essex … [Read More...]
Town's longtime finance director to retire
Susan Lamb leaving after 20 years By Jess Wisloski Observer staff A longtime member of the Williston … [Read More...]
Laying a new foundation at Mud Pond Conservation Area
Jess Wisloski Observer staff AmeriCorps volunteers in an alternative high school completion program … [Read More...]
Vermont Gas pipeline costs jump yet again
By Anne Galloway For Vermont Digger Vermont Gas announced this week that a 41-mile natural gas pipeline … [Read More...]
Vt. has highest health insurance premiums
By Erin Mansfield For Vermont Digger Middle-aged Vermonters pay higher prices than 13 other states … [Read More...]
Community Forum
Deciding what to do in retirement
By Jim Miller Dear Savvy Senior, I just turned 62 and am financially prepared for retirement, but I'm … [Read More...]
Healthy Food for Two: Fresh fruit and nut smoothies or pudding, a summer delicacy
by Ania Robertson The consistency of this refreshing dessert depends on how much water you add to it. … [Read More...]
Hub Happenings
VBSR networking event Red Wagon Plants will host a Vermont Businesses for Social Responsibility (VBSR) … [Read More...]
Sixty minutes to get out
New indoor entertainment center provides 'escape' By Phyl Newbeck Observer correspondent Need … [Read More...]
Williston parishoner ordained in priesthood
Two men, one of them from Williston, were ordained to the preisthood at a special Burlington Mass, held … [Read More...]
Succulent signs of summer
Observer photo by Jess Wisloski Adams Farm Market now has strawberries. The season is late in coming … [Read More...]
Students' efforts blossom with help of community gardeners
By Laura Gigliotti Special to the Observer There was a new addition to the Williston Central School … [Read More...]
Volunteer Opportunities
Choose one of the options below or go to unitedwaycc.org/volunteer to check out more than 300 other volunteer … [Read More...]
Library Notes
All programs are free. Call 878-4918 for more information or to register. Children ages 8 and younger … [Read More...]
Pedals, pets and playtime
Observer photos by Al Frey … [Read More...]
Letters to the Editor
7 a.m. pipeline invasion I am awakened by the rumble of heavy machinery several hundred yards from my … [Read More...]
Guest Column: A successful legislative session
By Gov. Peter Shumlin When I came to office in January 2011, I pledged to work every day to help make … [Read More...]
Challenging our strongest academic achievers
How CVU supports students in a standards-based environment By Lia Cravedi, Susan Grasso and Kim Schmitt Special … [Read More...]
Fond farewell to teachers, staff
With the school year's closure, it's the time when longtime faculty and staff members wrap up their … [Read More...]


text:
05/21/2012 - 05/21/2012
Minneapolis, MN
Assessing creditworthiness of a borrower is about information. Each borrower will have opportunities and obstacles surrounding repayment of the loan. Bankers need to use the information available to identify those potential issues. One of the primary sources will be the financial statement of the borrower's business. Financial statements are how the borrower keeps score on their management of the business. Therefore, the banker can use the financial statements as a starting point in identifying the questions to ask about management performance. This course will focus on the issues of preparation of financial statements by the borrower, the role of accountants, the calculation of ratios, and the use of financial statements in the credit decision process.
Start Time: 8:30 am
End Time: 5:00 pm
Instructor: Jeff Judy
Who Should Attend: Commuinity bank commercial bankers, loan review, branch personnel (who do commercial lending), credit administrators, credit analysts, and credit department personnel
ICBA Member: (prior to April 21) $395 / (after April 21) $495
Nonmember: $595
Bank Director Program Participants: $295
8 CPE Credits
Program Level: Basic-Advanced
Hotel Information:
To make your hotel reservations, contact Embassy Suites Hotel Bloomington at (952) 884-4811
Rate: $159.00
Reservation Deadline: 4/29/2012


text:
If Steve Jobs had been a Catholic he would be a saint by now
- Details
- 07 October 2012
- By John Howell
The process by which someone becomes a saint in the Catholic church is called canonization. The process can take hundreds of years and requires, amongst other things, independently verified miracles. If Apple's CEO Tim Cook was the Pope, and Apple the Catholic church, Steve Jobs would have been fast tracked to sainthood by now and would be ready for our prayers. The miracles of the iPad and iPhone were witnessed by many. After watching the latest promotional video on the anniversary of Steve Job's death playing on Apple's website, it appears Apple is determined to turn their former computer salesman and marketing spin doctor into something far greater than he was. The media have been doing this for years, even without Apple's assistance.
Was Steve Jobs really a visionary genius who altered the face of humanity for the greater good? Is he really a figure up there with Gandhi, Albert Einstein and Saint Mother Teresa? A recent Wired article compared him to Edison, Ford and Tesla. Does he deserve the media spin, hype and absolute unabashed praise that he continues to receive?
If you've read the official Steve Job's biography by Walter Isaacson as I have, you'll know that Steve Jobs was no saint, certainly not a person worthy of deification or prayers. You don't even have to read between the lines to realise he was a bit of a bastard to many of his staff and so self absorbed that very little appeared to matter to him other than perfecting his products and his own detailed belief in how they should work. From parking in disabled spaces (because he could) to classifying his staff as either "A" or "B" players and unceremoniously sacking or screaming at those who did not live up to his expectations, there's not much there to like.
Perhaps the media hype demonstrates unequivocally how messed up modern morality is? Are we so screwed up globally, so lost in our ways, that we believe a man who helped sell millions of consumer products is more worthy of our attention, praise and reverence than someone who dedicated their life to healing the sick or who gave up all they owned to support people in need? Sure, he sold a lot of products, objects of aluminium, plastic and silicon, generated a lot of marketing enthusiasm for those same objects, but he did not invent penicillin, did not dedicate his life to charity, did not cure the sick or help the developed world get back on its feet (which the much maligned Bill Gates has dedicated the second half of his life to doing), he did not risk his life to help the oppressed, did not fight for justice when all was against him, did not overturn any repressive regimes at the risk of losing his own life (overthrowing Microsoft's Windows does not cut it), did not invent a faster than light drive that allowed us to explore distant planets or create an anti-gravity device with his personal scientific research.
As many of you may already be aware Steve Jobs' main claim to fame lay in re-badging other peoples' technology, altering it slightly, then claiming ownership and marketing it well. In recent years Apple's focus appears to have shifted to claiming ownership. A recent article in the NYTimes reveals that Apple spent more on making patent applications last year than it did on research and development. The more patents you file, the more that eventually make it through the patent system after repeated refilings, the more ammunition you have to stifle the innovations and work of others by sending them to the courts.
Or if I was even more cynical (which I don't think is possible) does this manufactured hype demonstrate how one company will abuse the memory of a man to establish a cult to sell even more shiny metal objects and amass even more wealth, all at the expense of the environment, reality, and if the patent wars and restrictive locked in operating systems are anything to go by, customers too?
When all is said and done, Steve Jobs was an incredibly successful computer salesman who created and popularised devices that, amongst other things, play music and make phone calls. He was arguably more successful than many other companies who make similar devices that play music and make phone calls, but they are still just objects that play music and make phone calls. So praise him for promoting some slick looking devices, but please stop trying to make him into something he wasn't.
Related Articles/Posts
- In Thor: The Dark World Loki rulesAustralian actor Chris Hemsworth returns...
- Monsters 2: Dark Continent trailer and plotMonsters: Dark Continent is the seq...
- Elite: Dangerous, an epic space travel game resurrectedIf you are as old as I am (ancient), you...
- Lockwood & Co.: The Screaming Staircase, by Jonathan StroudThree years have passed since Jonathan S...


text:
The Birkman Assessment
Best Career Assessment Test with Personal Consultant Feedback
The Birkman Method® is the main career personality test that we use at Path Insight. It is highly recommended and provides extremely in depth feedback. The user completes the assessment online and then receives a full color report that is over 50 pages long. Due to the complexity, the results are explained by a certified Birkman consultant. The results reveal the individuals interests and motivators and delve deeper into their underlying needs that drive behavior. While these needs area typically unseen, the assessment reveals them so the individuals learn how to manage potential conflict and stressful situations.
The full assessment, report and a one hour feedback session from a Birkman certified consultant is only $497. Your satisfaction is guaranteed. Simply, click the Get Started Now button below to proceed to our secure checkout page. After you checkout, you will receive a confirmation e-mail. Within 24 hours, you will receive a personal link from Birkman to allow you to take the assessment online. Upon completion of your assessment, we will be in touch with you to schedule a time for your feedback session with one of our certified consultants.
What are users saying about The Birkman Method® Career Assessment Test?
"Working in the corporate world and also with undergraduate and graduate school admissions, I am familiar with the need to assess an individual's strengths, interests, needs and relationships with others. The Birkman Method is best tool I have seen to accomplish these goals. It is an extremely comprehensive and valuable tool for individuals and for an organization. The Birkman Method not only offers an assessment of interests and behaviors and how they relate to ideal job types and fit within organizations, but it delves deeper into the underlying needs that should be met for an individual to perform in an organization, and the resulting potential stress behaviors when the needs are not met. I would say it is should be a required piece in the process of anyone conducting a job search, hiring employees, understanding co-workers, developing leaders or trying to figure out what they want to do in life."
- Megan Stewart
Board Member, Marist School Alumni Association
Member, Georgetown University Alumni Admissions Program
What's included with The Birkman Method® Career Assessment Test?
The Birkman Method® Career Personality Test is best for those serious about their career that value personal contact from a consultant and want to learn how to mange stress in their lives and manage others to get what they want out of their career and life. Here is a short video with an overview of the assessment:
Plus, when you order the Birkman Method Career Assessment Test, you will have an option to receive a FREE copy of the E-Book of your choice. Either:
1) Career Exploration: Choose the Ideal Career, Secure a Position & Create Success, which serves as an outstanding guide in taking you through the process of finding your ideal career and loving it!
Or 2) College Exploration: The Ultimate Guide to Selecting, Applying and Succeeding in School & Life, which helps students find the right school and field of study and how to succeed in school and in life!
If you are not fully satisfied with this assessment, we will refund you full payment, plus 10%. Therefore, if you are looking to get started on the path to your ideal future, now is your risk-free opportunity. An in-depth assessment to get you on your way, an e-book of your choice and a 110% satisfaction guarantee.
Contact us for questions of click the Get Started Now button below to complete our secure checkout form.
What is The Birkman Method®?
The Foundation to Understanding Yourself
and Creating the Path to Your Ideal Future
The Birkman Method® combines motivational, behavioral and interest evaluation into one single assessment, which provides a multi-dimensional and comprehensive analysis. The questionnaire is delivered on-line and should take about 45 minutes to complete. You receive a 50 page color report of your results that is explained to you by a certified Birkman consultant.
It is powerful, in-depth assessment tool that helps individuals discover their God-given talents, interests and motivators and delves deeper into their underlying needs that drive behavior. While these needs area typically unseen, the assessment reveals them so the individuals learn how to manage potential conflict and stressful situations. For over 50 years, consultants and educational institutions have used the assessment to assist over 2.5 million individuals.
How does the Birkman Method® compare to other assessments?
What are users saying about the Birkman Method®?
The Birkman Method® includes the five following major perspectives:
1. Usual Behavior – an individual's effective behavioral style of dealing with relationships and tasks.
2. Underlying Needs – an individual's expectations of how relationships and social situations should be governed in context of the relationship or situation.
3. Stress Behaviors – an individual's ineffective style of dealing with relationships or tasks; behavior observed when underlying needs are not met.
4. Interests – an individual's expressed preference for job titles based on the assumption of equal economic rewards.
5. Organizational Focus – the perspective in which an individual views problems and solutions relating to organizational goals.
Contact us for questions or click the Get Started Now button below to proceed to our secure checkout page. After your checkout, you will receive a confirmation e-mail. Within 24 hours, you will receive a personal link from Birkman to allow you to take the assessment online. Upon completion of your assessment, we will be in touch with you to set a time for your feedback session with one of our certified consultants, and again, your satisfaction is guaranteed!


text:
Lovers of Guerlain beauty products will be happy to know that they have released a new summer collection, the Guerlain Terracotta Collection and the Guerlain Terracotta Sun Collection for Summer 2014. For those who are old enough to remember, back in 1984 Guerlain introduced the world a revolutionary way to achieve a beautiful bronzed look. With Terracotta, Guerlain allows its users to achieve the perfect bronzed summer look without having to spend hours in the sun that can damage your skin in the long run.
This year the Guerlain Terracotta Collection for Summer 2014 is broken down into two separate releases that feature not only the bronzing products that you love but some additional beauty products as well. In the two collections you will find:
Terracotta Joli Teint Beautifying Foundation:
Terracotta Brush
Terracotta Sunless (2 in 1 self tanning gel)
Terracotta After Sun Cream
Terracotta Sun Celebration Powder:
Flaming Orange
Burnished Brown
Sensual Gold Shimmer
Sunset Pink
Powder Terra Tropica
Terracotta Le Parfum
Rouge Aromatique:
LaLacque Couleur Lipstick:
Tonka Impériale
Jardins de Bagatelle
Cils d'Enfer Waterproof Mascara
The Guerlain Terracotta Collection for Summer 2014 went on sale this April 1 and the Guerlain Sun Terracotta Collection for Summer 2014 will be available internationally in May and in the US in June. The sunless collection comes with a price range from $42 for the Terracotta brush up to $53 for the other products. The beauty product line starts out at $37.50 for the LaLacque Couleur lipstick up to $108 for the Terracotta Sun Celebration Powder.
The sunless products can be purchased now at Nordstrom, Saks Fifth Avenue and Neiman Marcus and the beauty products will be available for purchase at Sephora, Douglas and Marionnaud.
Your comments are greatly appreciated! Leave one below or email me at email@example.com. Please be aware that I suffer from Lupus Nephritis and can not always respond immediately. Lupus is a very unpredictable and debilitating disease that often times leaves me incapacitated and unable to respond immediately.
Twitter @christiasfotos,
Facebook www.facebook.com/christiafashionexaminer
Blog XOXO, Christia
Polyvore: ChristiaMichelle
Instagram: FashionBeautyPartyJunky
Pinterest: Christia Michelle Torres Arce
Don't forget to subscribe for the latest news in fashion, beauty, party planning and healthy living in Evansville, IN!
All written work and pictures unless otherwise stated are property of Christia M. Torres and may not be used without permission.


text:
Bonny is the branch manager of the Bolinas, Inverness, Point Reyes and Stinson Beach libraries.
This is an official blog for the Marin County Free Library.
All branches of Marin County Free Library will be closed on Monday, July 4 for Independence Day.
West Marin author and licensed Marriage and Family Therapist Kate Levinson visited the Stinson Beach Library this week to discuss her recent book, Emotional Currency: a Woman's Guide to Building a Healthy Relationship with Money. Her warm presentation held the packed house spellbound as she answered questions and shared stories with attendees. In addition to her budding career as a writer, Kate, along with her husband Steve Costa, is co-owner of Point Reyes Books, so she is well-known to many in our community.


text:
Visa® Reloadable Cards
Do you need to receive your paycheck via direct deposit? Is Social Security requiring you to receive your benefits via direct deposit? Do you not qualify for a deposit account and want the convenience of a Debit Card? Do you want to send money often, securely, and quickly to a friend or family member?
Our Visa® Reloadable Cards are a great solution! Funds can be loaded onto this card at any branch location, via direct deposit, or by visiting a website. If funds are direct deposited to the account, there is no monthly fee. The Visa® Reloadable Card is personalized after the first reload and can be used like a Credit or Debit Card. It's that easy!
- Summary
- Accepted worldwide
- Use it like a Credit or Debit Card
- No monthly service fee if reloaded via direct deposit
- Get cash from ATMs
- Issued for immediate use
- Personalized card mailed 7-10 business days after first reload
- Reloads at any branch locations, direct deposit, and/or via website
- 24-hour customer service
- Must be 18 years old to purchase


text:
|Picture on Phone
Gampa Brown came to visit this weekend. I took Hunter to a birthday party and left Gampa in charge of Lorelei. I snuck back home to get a diet coke(yes I am addicted) since the party was a block away. This is what I found. Too cute!
|Picture on Phone
|Hunter fighting the picture
|Immediately off to the truck area!
|No mom I wanna play no pictures. *tear*
|Hunter and his teacher Mrs. Tinius
|Hunter and his buddy from Church
|Still my mommie's boy!
|(He doesn't normally stand that close I was trying to get him to turn and smile for a picture.)


text:
Deport Justin Bieber petition passed the needed 100,000 signatures Wednesday morning. The Canadian entertainer is in the country on a temporary work visa. According to Politico on Jan. 29, the petition asked for the singer's deportation.
'We the people of the United States feel that we are being wrongly represented in the world of pop culture. We would like to see the dangerous, reckless, destructive, and drug abusing, Justin Bieber deported and his green card revoked...'
Deport Justin Bieber petition has gained momentum due to a string of recent acts of bad behavior by the young pop star. He was speeding in his neighborhood and also allegedly egged a neighbor's house. In fairness there are two other competing petitions to keep Bieber in the country. According to rules on the Whitehouse.gov website the White House must respond publicly to petitions started on the site with more than 100,000 signatures. They barely have 2,000 signatures between them.
The deport Justin Bieber petition stems from events reported by this examiner recently in, "Chantel Jeffries: Justin Bieber's girlfriend spotted in his Lamborghini." The singer was arrested in Miami last week after drag racing on city streets. He was charged with DUI and resisting arrest.
What do you think about the Deport Justin Bieber petition story? Please drop in your comments below.
Recent articles from this Examiner (click on the link to read):
Hawaii school shooting: Runaway teen shot by police
Target credit monitoring: Breach remedy does not change customer behavior
Pipeline explosion in Canada: Heat cut for thousands in 45 degree wind chill
I-94 pileup: Deadly crash involves more than 40 vehicles
Raiders cheerleaders: Raiderettes file suit against Oakland Raiders
Chantel Jeffries: Justin Bieber's girlfriend spotted in his Lamborghini


text:
Skydiving.com now has a network skydiving location serving Waukena and Tulare County in California. Call Skydiving.com at 1-800-617-7948 for details, free information and specials on skydiving in Waukena, CA today!
Popular Tags for Skydiving Waukena:
Skydiving Waukena, Skydiving in Waukena, Sky Diving Waukena, Skydive Waukena CA, Skydiving 93282, Waukena Skydiving, Skydiving Waukena California, Skydiving near Waukena, Skydiving in Waukena California, Waukena Sky Diving, Skydive 93282, Skydiving Waukena CA, Skydive Waukena, Skydiving Tulare County, Skydive in 93282, Skydiving CA, Sky Diving Waukena CA, Waukena, California
Sign up for our newsletter and receive updatesand specials on skydiving across America!


text:
#!/usr/bin/env python
# Copyright 2010 Facebook
# Licensed under the Apache License, Version 2.0 (the "License"); you may
# not use this file except in compliance with the License. You may obtain
# a copy of the License at
# http://www.apache.org/licenses/LICENSE-2.0
# Unless required by applicable law or agreed to in writing, software
# distributed under the License is distributed on an "AS IS" BASIS, WITHOUT
# WARRANTIES OR CONDITIONS OF ANY KIND, either express or implied. See the
# License for the specific language governing permissions and limitations
# under the License.
"""`StackContext` allows applications to maintain threadlocal-like state
that follows execution as it moves to other execution contexts.
The motivating examples are to eliminate the need for explicit
``async_callback`` wrappers (as in `tornado.web.RequestHandler`), and to
allow some additional context to be kept for logging.
This is slightly magic, but it's an extension of the idea that an
exception handler is a kind of stack-local state and when that stack
is suspended and resumed in a new context that state needs to be
preserved. `StackContext` shifts the burden of restoring that state
from each call site (e.g. wrapping each `.AsyncHTTPClient` callback
in ``async_callback``) to the mechanisms that transfer control from
one context to another (e.g. `.AsyncHTTPClient` itself, `.IOLoop`,
thread pools, etc).
Example usage::
def die_on_error():
except Exception:
logging.error("exception in asynchronous operation",exc_info=True)
with StackContext(die_on_error):
# Any exception thrown here *or in callback and its desendents*
# will cause the process to exit instead of spinning endlessly
# in the ioloop.
http_client.fetch(url, callback)
Most applications shouln't have to work with `StackContext` directly.
Here are a few rules of thumb for when it's necessary:
* If you're writing an asynchronous library that doesn't rely on a
stack_context-aware library like `tornado.ioloop` or `tornado.iostream`
(for example, if you're writing a thread pool), use
`.stack_context.wrap()` before any asynchronous operations to capture the
stack context from where the operation was started.
* If you're writing an asynchronous library that has some shared
resources (such as a connection pool), create those shared resources
within a ``with stack_context.NullContext():`` block. This will prevent
``StackContexts`` from leaking from one request to another.
* If you want to write something like an exception handler that will
persist across asynchronous calls, create a new `StackContext` (or
`ExceptionStackContext`), and make your asynchronous calls in a ``with``
block that references your `StackContext`.
from __future__ import absolute_import, division, print_function, with_statement
import contextlib
import functools
import operator
import sys
import threading
from tornado.util import raise_exc_info
class StackContextInconsistentError(Exception):
class _State(threading.local):
def __init__(self):
self.contexts = ()
_state = _State()
[docs]class StackContext(object):
"""Establishes the given context as a StackContext that will be transferred.
Note that the parameter is a callable that returns a context
manager, not the context itself. That is, where for a
non-transferable context manager you would say::
with my_context():
StackContext takes the function itself rather than its result::
with StackContext(my_context):
The result of ``with StackContext() as cb:`` is a deactivation
callback. Run this callback when the StackContext is no longer
needed to ensure that it is not propagated any further (note that
deactivating a context does not affect any instances of that
context that are currently pending). This is an advanced feature
and not necessary in most applications.
def __init__(self, context_factory, _active_cell=None):
self.context_factory = context_factory
self.active_cell = _active_cell or [True]
# Note that some of this code is duplicated in ExceptionStackContext
# below. ExceptionStackContext is more common and doesn't need
# the full generality of this class.
def __enter__(self):
self.old_contexts = _state.contexts
# _state.contexts is a tuple of (class, arg, active_cell) tuples
self.new_contexts = (self.old_contexts +
((StackContext, self.context_factory,
_state.contexts = self.new_contexts
self.context = self.context_factory()
except Exception:
_state.contexts = self.old_contexts
return lambda: operator.setitem(self.active_cell, 0, False)
def __exit__(self, type, value, traceback):
return self.context.__exit__(type, value, traceback)
final_contexts = _state.contexts
_state.contexts = self.old_contexts
# Generator coroutines and with-statements with non-local
# effects interact badly. Check here for signs of
# the stack getting out of sync.
# Note that this check comes after restoring _state.context
# so that if it fails things are left in a (relatively)
# consistent state.
if final_contexts is not self.new_contexts:
raise StackContextInconsistentError(
'stack_context inconsistency (may be caused by yield '
'within a "with StackContext" block)')
self.old_contexts = self.new_contexts = None
[docs]class ExceptionStackContext(object):
"""Specialization of StackContext for exception handling.
The supplied ``exception_handler`` function will be called in the
event of an uncaught exception in this context. The semantics are
similar to a try/finally clause, and intended use cases are to log
an error, close a socket, or similar cleanup actions. The
``exc_info`` triple ``(type, value, traceback)`` will be passed to the
exception_handler function.
If the exception handler returns true, the exception will be
consumed and will not be propagated to other exception handlers.
def __init__(self, exception_handler, _active_cell=None):
self.exception_handler = exception_handler
self.active_cell = _active_cell or [True]
def __enter__(self):
self.old_contexts = _state.contexts
self.new_contexts = (self.old_contexts +
((ExceptionStackContext, self.exception_handler,
_state.contexts = self.new_contexts
return lambda: operator.setitem(self.active_cell, 0, False)
def __exit__(self, type, value, traceback):
if type is not None:
return self.exception_handler(type, value, traceback)
final_contexts = _state.contexts
_state.contexts = self.old_contexts
if final_contexts is not self.new_contexts:
raise StackContextInconsistentError(
'stack_context inconsistency (may be caused by yield '
'within a "with StackContext" block)')
self.old_contexts = self.new_contexts = None
[docs]class NullContext(object):
"""Resets the `StackContext`.
Useful when creating a shared resource on demand (e.g. an
`.AsyncHTTPClient`) where the stack that caused the creating is
not relevant to future operations.
def __enter__(self):
self.old_contexts = _state.contexts
_state.contexts = ()
def __exit__(self, type, value, traceback):
_state.contexts = self.old_contexts
class _StackContextWrapper(functools.partial):
[docs]def wrap(fn):
"""Returns a callable object that will restore the current `StackContext`
when executed.
Use this whenever saving a callback to be executed later in a
different execution context (either in a different thread or
asynchronously in the same thread).
if fn is None or fn.__class__ is _StackContextWrapper:
return fn
# functools.wraps doesn't appear to work on functools.partial objects
def wrapped(*args, **kwargs):
callback, contexts, args = args[0], args[1], args[2:]
if _state.contexts:
new_contexts = [NullContext()]
new_contexts = []
if contexts:
new_contexts.extend(cls(arg, active_cell)
for (cls, arg, active_cell) in contexts
if active_cell[0])
if len(new_contexts) > 1:
with _nested(*new_contexts):
callback(*args, **kwargs)
elif new_contexts:
with new_contexts[0]:
callback(*args, **kwargs)
callback(*args, **kwargs)
return _StackContextWrapper(wrapped, fn, _state.contexts)
def _nested(*managers):
"""Support multiple context managers in a single with-statement.
Copied from the python 2.6 standard library. It's no longer present
in python 3 because the with statement natively supports multiple
context managers, but that doesn't help if the list of context
managers is not known until runtime.
exits = []
vars = []
exc = (None, None, None)
for mgr in managers:
exit = mgr.__exit__
enter = mgr.__enter__
yield vars
exc = sys.exc_info()
while exits:
exit = exits.pop()
if exit(*exc):
exc = (None, None, None)
exc = sys.exc_info()
if exc != (None, None, None):
# Don't rely on sys.exc_info() still containing
# the right information. Another exception may
# have been raised and caught by an exit method


text:
- About Us
- Exhibitions
- Collections
- Events & Activities
- The Journal
- Support
Off season is for fly tying and now is your chance to learn how! The American Museum of Fly Fishing will host a series of four fly tying lessons designed to start from the beginning and take you through to some more advanced patterns. Each session will run from 10:00 am to 11:30 am. Bring your own kit or use one of ours.
February 23, Terrestrial Flies with Kelly Bedford.
March 16, Salt Water Flies with Paul Sinicki.
March 23, Streamers with Peggy Brenner.
March 30, Basic Flies with George Butts.
Sign up for 1 or all 4. Space is limited and advanced registration is required. Each session is $10, or you can register for all four for $35. Confirm your spot by emailing email@example.com or by calling the Museum at 802-362-3300.
July 17, 2016
Because who doesn't like ice cream?...
Click for more details...


text:
The consultant that provided me the Plexus Slim is Misty Caplinger, her website is: http://momof6boys.myplexusopportunity.com .
She shared the following information with me: What drew me to this product is the fact that its all natural and tastes good. Plus there are so many other health benefits like, decrease in migraines, a decrease in pain, and it has pulled me out of depression! If anyone loves this product I would recommend joining as an ambassador. The annual fee is 34.95 but you save a TON of money plus if your order is 100-499.99 you make a 15% commission and if $500 or more 25% commission.
Here is my first hand account from the week of testing that was done:
After seven days on Plexus Slim and the accelerator, this examiner has to honestly say she has seen progress with weight loss.
This seems to be something this examiner could possibly work into her life style, but right now it is very cost prohibitive for me. (If the pricing were more affordable and not so freaking expensive, it really would be a great addition to my lifestyle.)
The taste is actually pleasant(Reminds me of a flat raspberry lemonade, which I can handle), and if you can afford the cost, it will be a great asset in your weight loss journey.( This examiner thinks there maybe more uses for this drink mix besides just drinking it, though that is the recommended way to get it down.)
The hardest part for me was remembering to keep up with my water on a regular basis, while out and about.
But being at home, it was easier to keep track.
With as funky as this examiner's week was, it really was a challenge for her to keep up, but she did it.
In the end, if you can afford the monthly purchase, it will be a great asset, and you will be successful with it. As with anything, keep tight monitoring of your weight, and other changes that happen, but always consult a doctor before starting any dietary supplement.
Thank you to Misty for participating in my blog, and helping to make my 2014 year of trying new things successful.
Once again stop by her site at: http://momof6boys.myplexusopportunity.com to learn more or place an order, and let her know Nannette Morrison sent you.


text:
In these Civil War sesquicentennial years, it is certain that, in 2013, the nation will be treated to significant observations of the epic Battle of Gettysburg. Acclaimed scholars will offer their versions of the three-day struggle, arm-chair historians will debate possibilities in endless "what if" scenarios, and there will undoubtedly be the most massive reenactment the world has ever seen that July, with tens of thousands of participants and hundreds of thousands of spectators. It will be an anniversary to rememberbut not the one we all have been taught to believe was the turning point of the war.
The truly pivotal engagement of the American Civil War took place more than a year earlier, when Flag-Officer D. G. Farragut fought his way past the forts at the mouth of the Mississippi on the morning of 24 April and, a day later, captured New Orleans. In so doing, he denied the Confederacy the use of the port as a privateering and supply base and bottled up the river; captured the Leeds Iron Works, which, with the Tredegar Works in Richmond, were the only modern foundries in the South; eliminated Texas beef and Louisiana salt from the already-meager rebel diet; and sent a shock through the governments of Europe, of which the result of Gettysburg would be but a faint echo. The Norththen, as now, focused on the titanic land battles of the eastfailed to fully appreciate the significance of the Navy's single-handed exploit, but Southerners were under no such delusion. In Richmond, the diarist Mary Chesnut summed up the fear of her fellow countrymen when she wrote, "New Orleans is gone, and with it the Confederacy! Are we not cut in two? The Mississippi ruins us if it is lost!" Less than a year after the beginning of the war, the Navy had captured the largest and most important city in the South.
Farragut accomplished this feat with the loss of but three ships and less than two hundred casualties, with 800 lost on the Confederate side. These were numbers that could almost be overlooked on the scale to which people were accustomed by this point in the warsimilar results could be expected in a clash of mere brigades. And, with combined losses of 48,000 at Gettysburg (about one-third of the combatants), it is no wonder that the later battle has held the attention of history.
Only weeks before its capture, a New Orleans newspaper unwittingly wrote the epitaph for the entire Southern war effort: "We have nothing to fear from a land invasion of the enemy if he is unsupported by his naval armaments. . . . the right arm of his power in this war is in his gunboats on our seacoast; and that our only assurance of saving the Mississippi from his grasp is to paralyze that arm upon its waters." Today, as 150 years ago, the significance of the Navy's contribution to Union victory is unrecognized, with that branch perceived as a feature, rather than a factor, in the war. Yet nothing could be further from the truth.
Chuck Veit
President, Navy & Marine LHA


text:
Changed your mind? Decided not to comment right now?
Return to Frassman Brilliant Official "Go Down and Wine" Video .
Join in and write your own page! It's easy to do. How? Simply click here to return to 2014.
Jun 25, 16 10:19 PM
Out Today on iTunes! Soulful genre fluid recording artist K'Coneil debut EP LOVE / LUST. Arriving as the boundaries between dancehall and pop are blurring
Jun 25, 16 09:44 PM
Rudebwoy Entertainment presents the 5th annual Island Reggae Festival held at the Santa Clara County Fairgrounds, 344 Tully Road in San Jose, California.
Jun 25, 16 09:21 PM
The official release of the Party Strings Riddim on June 23rd, 2016 which features this banger from the former Gaza Diva, Sheba Di Diva, called GUD WUK.
Jun 25, 16 09:17 PM
Jamaican singer Clinton Fearon is back with a fresh EP entitled Waiting. The record includes two brand new songs with their dub version. Both are touching
Dancehall & Reggae Music information for June 2016
SPONSORS Sites
Welcome to naturehealthrecipes.com see what nature's health has to offer.
Vybz Kartel Clothing Line Poised To Dominae Urban Fashion Globally
US Gorilla named after Rita Marley song Harambe
Mr Vegas Getting Better Respond from US Radio Station after diss Drake.


text:
Yet another Labour Day celebration has gone by and the OWTU continues to ignore the role of its founding president general, Adrian Cola Rienzi, in its formal proceedings to mark the occasion.
You are here
Secondary school registration begins for SEA grads
More than 17,000 students who sat the Secondary Entrance Assessment examination will begin registration for their respective secondary schools from today. Parents are asked to walk with both original and copy of their child's birth certificate, SEA result slip, three passport-sized pictures, and parents' national identification cards.
At Holy Name Convent Secondary School, Point Fortin, registration takes place today from 8 am. Orders for school uniforms, security fee payments and the sale of school and hymn books and Bibles will also take place today.
El Dorado West Secondary School's registration will take place on July 9. Students must be accompanied by a parent or legal guardian and seated in the Hebe Millette Hall from 8 am.
User comments posted on this website are the sole views and opinions of the comment writer and are not representative of Guardian Media Limited or its staff.
Guardian Media Limited accepts no liability and will not be held accountable for user comments.
Guardian Media Limited reserves the right to remove, to edit or to censor any comments.
Any content which is considered unsuitable, unlawful or offensive, includes personal details, advertises or promotes products, services or websites or repeats previous comments will be removed.
Before posting, please refer to the Community Standards, Terms and conditions and Privacy Policy


text:
|Mon-Fri: 8am - 5pm
|Student Union 312
We are very excited to offer the Student Enhancement Training (S.E.T.) program to you, our student employees. We believe that your participation in the certification program will provide you with an excellent opportunity to enhance your skill set, enabling you to better succeed in your current position and as you advance in your career.
The purpose of the program is for UCF student employees to develop transferable skills and gain practical, professional knowledge. The program will consist of classes tailored to provide you with extensive training to advance your career at UCF and beyond.
In order to complete the S.E.T. Program Certificate, you must register for the program and attend S.E.T. workshops and sessions offered during the dates and times listed below.
News & Announcements
Future employers are impressed by your participation in professional development experiences such as the Student Enhancement Training program. Including this on your resume helps to set you apart and shows that you are a person who seeks out ways to improve your skills. Here is an example of how you could cite S.E.T. on your resume.


text:
Professional Affilaitions
•Federal Court Bar Association, Northern District of New York
•Associated Builders and Contractors, NYS Board of Directors, Member; CNY Regional Council, Member
•Associated General Contractors
•Syracuse Jewish Federation: Board of Directors (2006-2011)
•Department of Labor OSHA-10 Construction Training
•Claims and Litigation Management Alliance (CLM)
•USLAW Network
•Co-Chairman, USLAW Network and Retail Hospitality Law Exchange, Chicago, IL, October 2015
•Co-Chairman, USLAW Network Spring 2015 Conference, Retail Track, San Antonio, TX, April 2015
Ken is highly experienced in commercial and class action litigation. In one example of Ken's class action experience, he led a multidisciplinary team of attorneys to a summary judgment dismissal of an attempted class-action lawsuit against our client, a financial institution.
Ken heads the firm's Retail, Hospitality, and Development Practice Group, a team of attorneys that has earned a reputation for providing innovative and creative legal and consulting solutions to help clients avoid disputes and manage risk. His experience allows him to assist clients in terms of lease and construction contract preparation and drafting, indemnification and insurance consulting, risk management, and land use permitting and application. Ken and his practice group have created a niche in these areas that few law firms in the nation can match for its level of sophistication and dedicated focus. As the dynamics of the retail environment are ever-changing, Ken builds on his experience to stay at the forefront of the latest issues that are unique to the retail and development industries.
In addition to matters related to the retail industry, Ken has extensive product liability, catastrophic injury litigation, and employment litigation experience. He regularly represents manufacturers of industrial and consumer products in state and federal court and has defended many personal injury, property damage, and fire cases involving alleged manufacturing and design defects and warning claims. He has also represented employers in all types of employment-related litigation in state and federal courts as well as in arbitration on matters involving harassment, employment discrimination, civil rights claims, and breach of contract. Ken is also frequently retained by other attorneys to serve as an arbitrator and mediator in federal and state court matters.
Ken possesses an AV rating from Martindale-Hubbell and was selected for inclusion in New York Super Lawyers each year since 2008.
•Martindale-Hubbell Peer Review Rating: AV Preeminent
•Super Lawyers, Corporate Counsel Edition
•Upstate New York Super Lawyers, 2008-2015
Civic Activities
•Member, Zoning Board of Appeals, Town of Dewitt
•Presenter, Minority and Women Owned Business Enterprises, New York State Surety Bond Assistance Program, February 24, 2015
•Contributor, Shale Watch Blog - A Review of the Legal Developments Arising Out of Hydraulic Fracturing: http://shalewatchblog.com
•Editor, USLAW Network's Retail Compendium of Law, 2014
•Presenter, "Top Ten Additional Insured Considerations, " IRMI Construction Risk Seminar, San Diego, CA, November 2013
•Author, "A Guide to the Unwary: Construction Manager Liability Under New York Labor Law Section 240(1), " Progress! Under Construction, November 2013
•Presenter, Risk Management Conference, Syracuse, New York, June 18, 2013
•Co-Author, "Private Property or Public Forum? How the Occupy Movement Implicates Free Speech and Property Rights in Retail Spaces, " USLAW, Spring/Summer 2012
•Presenter, "NY Construction Site Accident Update: Labor Law Section 240, Indemnity Agreements and Insurance, " Associated Builders and Contractors, October 2011
•Presenter, "Contract Drafting for Construction Projects, " Cazenovia College, April 2011
•Presenter, Bed Bugs: Will They Really Eat our Brand Name, " USLAW Network, Spring Conference, Phoenix, AZ, March 2011
•Panelist, Landlord/Tenant Gumbo - Spice is Nice but Can You Take the Heat, USLAW Network, Spring 2010 Conference, Miami, FL, March 2010
•Chairman and Moderator, Strictly Retail, Defense Research Institute (DRI), Chicago, IL, March 2010
•Moderator, Retail Decisions and Verdicts, USLAW Network Spring Conference, Charleston, SC, March 2009
•Presenter, Get the Green Edge: How to Underwrite and Insure 'Green' Exposures & Grow Your Book, Independent Insurance Agents & Brokers of NY, Inc., Capital Event, February 2009
•Presenter, Construction Site Accidents - The Trial of a Labor Law Case, New York State Bar Association, November 2008
•Speaker, Products Liability: An Overview, Central New York CPCU Society, November 2008
•Panelist, Responding to the Catastrophic Mass Injury Claim: Avoid Adding to the Catastrophe, USLAW Network, Fall Conference, Las Vegas, September 2008
•Presenter, Construction Site Accidents Under NY Labor Law, Syracuse Claims Association, May 2008
•Author, Risk Management in the Field of 'Green' Construction, Central New York Business Journal, April 2008
•Author, Legal Pitfalls for Joint Employers, Plain Vanilla Shell, February 2008
•Lecturer, "Leadership in Energy and Environmental Design (LEED): Claim Avoidance, " Brown and Brown Empire State, Spring and Fall 2007-2008
•Co-Author, Guide to New York Commercial Eviction, October 2007
•Moderator/Presenter, Just When You Thought it Was Safe to Go Shopping: Retail and Shopping Center Security Issues, USLAW Network, Fall Conference, Washington, D.C., October 2007
•Co-Author, Store Owner's Rights When Faced with Shoplifting: A State by State Review, April 2007
•Moderator, Update on Trucking Litigation and Claims, New York State Bar Association, 2006
•Presenter, Litigation Management: Controlling and Recovering Costs, ICSC Law Conference, Florida, 2006
•Contributing Author, Construction Site Personal Injury Litigation - New York Labor Law Sections 200, 240(1) and 241(6), New York State Bar Association, 2006
•Presenter, Fundamentals of Insurance Coverage and Indemnification, ICSC Law Conference, Arizona, October 2005
•Presenter, Proving and Defending Damages at Trial: Effective Trial Techniques for Plaintiff's and Defendant's Counsel, New York State Bar Association, May 2005
•Presenter, Products Liability Post-Kuhmo Tire, New York State Bar Association, 1999
•Certified Mediator, U.S. District Court, Northern District of New York, 1998- present
•Presenter, Major Litigation Issues Confronting Municipalities and Landowners, New York State Bar Association, 1996
•Presenter, Premises Liability and Construction Work Site Accidents, New York State Bar Association, 1995
•Presenter, Coverage Issues and Applications-1994, New York State Bar Association, 1994
•Claims of Abuse and Neglect Against NYS Health Care Employees Dismissed in Major Summary Judgment Victory
June 8, 2016
•Sole Proximate Cause Defense Key to Labor Law Victory
January 6, 2016
•Goldberg Segalla Obtains Defense Verdict in Multimillion-Dollar ATV/UTV Rollover Case
March 26, 2014
•Goldberg Segalla Wins Reversal of Denial of Article 78 Petition for Developer
September 28, 2012
•Class Action Against Credit Union Over Auto Transaction Dismissed
July 18, 2012
•Valve Not Defective in Product Liability Death Case
May 2, 2011
•Goldberg Segalla Attorneys Listed in 2015 Upstate New York Super Lawyers
August 21, 2015
•Forty-Six Goldberg Segalla Attorneys Listed in 2014 Upstate New York Super Lawyers
August 11, 2014
•Super Lawyers Names Nearly Three Quarters of Goldberg Segalla's Upstate New York Attorneys
August 19, 2013
•Twenty-Three Goldberg Segalla Attorneys Listed in 2012 Upstate New York Super Lawyers
August 21, 2012
•Sixteen Goldberg Segalla Attorneys Listed in 2011 Upstate New York Super Lawyers
September 6, 2011
•Goldberg Segalla attorneys selected for inclusion in New York Super Lawyers Upstate Edition 2010
September 1, 2010
•Professional Liability Matters
•Shale Watch: Legal Developments Arising Out of Hydraulic Fracturing


text:
Trigol Denis Permalukan Inter
Next video starts in : 7 Play
Trigol Denis Permalukan Inter
Stuart Stevens on a potential Mitt Romney run
2:23Now watching Up next
Trigol Denis Permalukan Inter
Usaha Inter Milan meraih tiket ke Liga Champions musim depan semakin berat setelah hat-trick German Denis membuat mereka kalah 3-4 dari tamunya Atalanta. Sumber : liputan6.com
3:17Now watching Up next
Stuart Stevens on a potential Mitt Romney run
Stuart Stevens, a top 2012 Mitt Romney advisor, spoke with Yahoo News about Romney's own speculation about getting in the 2016 presidential race and the urging from the Romney family to run against Donald Trump.
0:24Now watching Up next
Raw: Iraq Airstrikes Kill Scores of IS Fighters
Iraq's Defense Ministry has released footage showing airstrikes which officials say targeted an IS convoy fleeing the western city of Fallujah following its recapture by the Iraqi military. Scores of militants are thought to have been killed. (July 1)
0:57Now watching Up next
Raw: China Landslide Kills Ten
Ten people were killed on Friday when a landslide caused by heavy rain buried a village in China's southwestern province of Guizhou. (July 1)
1:12Now watching Up next
Cinemark, Royals, Johansson
Cinemark attorneys want victims to pay $700K in legal fees; British royals mark centenary of deadly World War I battle; Scarlett Johansson ranked Hollywood's top-grossing actress. (July 1)
1:57Now watching Up next
Raw: Somber Somme Battlefield Centenary Ceremony
UK Prime Minister David Cameron and royal family members stood side by side with France's president to celebrate their historic alliance at the centenary of the deadliest battle of World War I. (July 1)
0:20Now watching Up next
Boy, 8, Medevaced From Royal Caribbean Ship After Pool Accident
Royal Caribbean's Anthem of the Seas Cruise ship was forced to turn around off the coast of New York Thursday after a child had an accident in a pool and required medical help, according to the cruise line.
0:56Now watching Up next
AP Top Stories July 1 A
Here's the latest for Friday, July 1: Tesla crash investigated; Teens rescued during Nevada flood; Wildfire threatens Oregon homes; International Space Station docking test.
1:00Now watching Up next
Raw: Workers Picket Trump Taj Mahal
Atlantic City, New Jersey's main casino workers union began picketing against the Trump Taj Mahal casino amid a contract dispute on Friday. The casino is owned by billionaire Carl Icahn, not Donald Trump. (July 1)
0:50Now watching Up next
Google Earthquake Alerts
In the event of an earthquake, Google will enter data directly into search results.


text:
As Feb. 14 looms ever-larger on the horizon, we soldier on in our efforts to assist Chicago's romantically handicapped in their holiday planning. But the final installment of our series on downtown's best Valentine's day activities comes with a warning label: Some plans, even when entered into with the most tender of intentions, are more dangerous than others. In other words: Chocolate? Sure thing. Dance lessons? Not so much.
But the hour is late, and relationships are full of calculated risks. So read on, and remind yourself that in pursuing the following course of action, no matter how many left feet you turn out to have, you'll have time left over for a reconciliatory dinner — and money left over to pay for it.
Feb. 14: Stepping Up
Legend has it there's a lost work of Shakespeare floating around out there, a play that focuses neither on star-cross'd lovers nor the lifestyles of the rich and powerful but rather on something far more explosive: dance lessons. It is either a comedy or a tragedy, depending on how you look at it, but in any case it doesn't end well for the romantic leads, and we bring it up here to illustrate the point that a dance lesson, laden though it may be with romantic potential, can be relationship poison if used improperly. A dicey proposition, even for the thoroughly infatuated.
However, like most dangerous things, a dance lesson is also a great way to get the blood flowing, and that goes double if we're talking about tango. Lucky for you, the dance lessons incorporated into the city of Chicago's Chicago Winter Dance series mean that whatever else you might risk by stepping out onto the floor, you won't risk any money: The lessons, like the open-dance sessions that follow, are free. Held Saturdays and Sundays throughout February, the dancing takes place on the stage of the Jay Pritzker Pavilion in Millennium Park — behind retractable glass doors, naturally, since it's darn near impossible to execute a decent dip in a parka. Each session features an hour-long period of instruction followed by two hours of dancing, often to live music.
On Valentine's day, the instruction will come from Dinah D'Antoni of Tango 21, Inc., the live music will come from the group Tangata, and the dance, as one might expect, will indeed be tango. The day's first lesson will take place from 1–2 p.m., followed by dancing from 2–4 p.m., and another lesson will be offered from 5–6 p.m., followed by dancing from 6–8 p.m. Refreshments from Park Grill will be available for purchase, and while no reservations are necessary to take part in either the lessons or the open dancing, participants are encouraged to arrive early (doors open 30 minutes in advance) to ensure their place in the festivities.