text:
SAN JOSE -- The Earthquakes are trying to find a replacement for English striker Simon Dawkins, whose move to Aston Villa last week has changed San Jose's plans for the upcoming MLS season.
Coach Frank Yallop said Tuesday the club is holding talks with other players whom he didn't identify.
"We're not going to panic," he said. "It's got to be a real top-notch player."
Yallop acknowledged how difficult it will be to find someone as talented as Dawkins at the price they got him the past two seasons in loan deals with Tottenham Hotspur. The team paid the player about $50,000 last year, according to salary figures provided by the MLS Players Union.
The Quakes didn't make many offseason moves because management liked the group it assembled for a record-breaking season in 2012. Dawkins was a key piece of the high-octane offense with eight goals.
San Jose made Tottenham "a great offer" with a "large amount of money" but the English Premier League club rejected the deal, Yallop said. "There is not much we could do," he added.
The team still might try to work out a deal with Dawkins during the transfer window in June when his contract with Tottenham ends. But if the striker does well at Villa Park his chances of returning to Major League Soccer would be slim.
The loss of Dawkins is just one concern with the season opener against Real Salt Lake about a month away. The Quakes are far from ready for the long season after winning the Supporters' Shield last year.
Some of the regulars recovering from injuries are Steven Beitashour, Mehdi Ballouchy, Marvin Chavez, Alan Gordon, Jason Hernandez and Steven Lenhart. Chavez is out four to six weeks with an MCL knee sprain.
"I'm a little nervous," Yallop said. "I've not seen many of our guys yet."
The coach also was happy to welcome back Chris Wondolowski and Justin Morrow after a three-week session with the U.S. national team. Neither player made the traveling roster for the World Cup qualifying match Wednesday at Honduras.
Center back Victor Bernardez starts for Honduras and is expected to miss time with the Quakes during the CONCACAF qualifying tournament.
Contact Elliott Almond at 408-920-5865 and follow him on Twitter at Twitter.com/elliottalmond.


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Discover the difference new windows can make in your home. Whether you are looking to replace your current windows or get the right look for that new home - at The Home Depot we have the perfect solution for you. Do you feel as though you are tossing money out of your windows? Energy efficient windows installed into your home can save you money. Studies have shown that these windows can save you as much as one-fourth to half of the power that is needed to heat or cool your house.
Vinyl windows offer easy care, don't need painting, staining or refinishing, and will look great for years. From mobile home windows to kitchen windows, we offer an incredible selection of high quality options to meet every need. You can also eliminate your noise problem with soundproof windows which will provide a more peaceful home by limiting the outside noise.
Bring out the beauty in your home with our decorative round windows. These windows will offer a unique and elegant look to your home. Our windows are second to none in quality and craftsmanship, while being a great addition to any home. Double pane windows are another great way to save money. These windows will save you up to 25 percent on energy costs when compared to older, single-pane models. Reduced energy not only saves you money, but is good for the environment.
Be sure to visit with one of our knowledgeable Home Depot store associates to answer any question you might have about new windows and start saving today!

subset: commoncrawl


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Patio MatsPatio mats are a very practical accessory for any camper or RV. Their primary function is to keep dirt and mud from entering. Sure, we were all taught to use a doormat as children, but few realize how helpful it is to do the same thing when on the road.
Of course, a patio mat doesn't just have to be utilitarian; it can be pretty as well. Camping World has a collection of patio mats that range in size from traditional to room sized. The big mats are great for placing inside a canopy. Doing so helps to create a room where none existed mere moments earlier. When you are done using your mat, simply rinse it off with a hose, let it dry, and then store it for the next use.


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The Texas A&M – Corpus Christi Baseball team will play its final regular season series of the year starting Thursday, with the team traveling to Nacogdoches, Texas to take on Stephen F. Austin on the road. Game one is set for 3 p.m. on Thursday, while Friday's first pitch is at 6:30 p.m. and Saturday wraps up with a 1 p.m. start.
The Islanders (30-21, 15-9 Southland) are currently in second place of the Southland Conference standings, but the race is so close that the team could end up anywhere from first to seventh in the tournament seeding. The team has a shot at the Southland Conference Championship, but it will take a near perfect weekend for it to happen.
The Islanders need to win at least two-of-three from SFA while Central Arkansas sweeps Sam Houston State. An Islanders sweep and SHSU losing two-of-three would also put the Islanders into a tie for first place. The only way for the team to get the #1 seed in the tournament would with a sweep of SFA and a UCA sweep of SHSU, but the possibility is there.
For any of these things to come to fruition, Texas A&M – Corpus Christi must take care of business on its end, with a tough Lumberjack team awaiting them in Nacogdoches. SFA is 27-25 overall, and just one game back of the Islanders in the standings at 14-10.
Hunter Dozier, the prohibitive favorite for the Southland Conference Player of the Year award, leads SFA offensively. He has a conference-best in batting average (.398), home runs (16) and doubles (23), while ranking second with 47 RBI. Ricardo Sanchez is second on the team with a .377 batting average as the two players above .300 on the team.
Offensively for the Islanders, Eric Weiss leads the way with a .344 batting average this season. Jonathan Gonzales (.330), Brad Porras (.320), Cody Stephens (.318), Jordan Lee and Zach Taylor (.309) follows behind Weiss in average on the team. Gonzales has a team-high 43 RBI, while Weiss follows close behind at 41 on the season.
The starting rotation for the Islanders will consist of Trevor Foss (7-6, 3.24 ERA), Trevor Belicek (8-1, 3.04 ERA) and Matt Danton (5-2, 4.76 ERA) during the three-game set. They will face Chase Greening (4-4, 2-55 ERA), Kyle Cross (5-5, 3.86 ERA) and Justin Choate (4-2, 4.40 ERA), respectively.
Live stats and audio for the three-game set will be available by visiting www.GoIslanders.com, while live video can be found at www.SFAJacks.com.
For all the latest on Islanders Baseball, like the team on Facebook (Islanders Baseball) and follow them on Twitter (@CorpusBaseball).


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BEST ENTRANCE: Main Entrance 4 Upper Level Sears
LOCATION IN MALL: Upper Level next to Nordstrom
(412) 364-0200 | Driving Directions | Brighton Collectibles Website |
View Deals | Mall Map
More stores to consider
Lands' End Shop at Sears
Get your stack on!
Read More
Tonal Layering
Color Play
On Trend in Turquoise
Silver and Shine
Pop of Color
Color Blocking
Have you started refreshing your bracelets with autumn colors? Join us as we Fall for Charms in stores Sept 1, from 11 am to 2 pm. We'll have sips, treats, raffles and mini-tutorials. It's time for charm parties!
Our Pretty Tough Collection gets its name from being feminine and edgy. The new Roxi Shoulderbag epitomizes that look with soft luxe leather and silver studs. Do you love its contemporary vertical shape? http://ow.ly/EDFo303Hvl0
Our expert stylists have combined some of our favorite designs to create this distinctive mixed-metal statement. What do you love most about this stack?
1) the gold and silver tones.
2) including a Woodstock leather wrap.
3) adding a watch into the mix.
See all our two-tone jewelry at http://ow.ly/vuva303FfC5.
When we introduced the Eternity Knot Collection last year, we asked what matching pieces you'd like to see. Overwhelmingly, you said, "Bracelet!" So here you go, plus we're adding Leverback Earrings and offering the set in blue for Fall. Would you have and hold these pieces forever? http://ow.ly/7bJC303EdDB
Have you tried mixing a Woodstock patterned bracelet into your stack? We love how the Fiorella Flower Single adds color and fun to this combination. See the entire Woodstock Collection at http://ow.ly/WgKA303AYBl
How exquisite is the open scrollwork of our new Florence Heart Collection? We adore this Italian Renaissance design created within iconic Brighton hearts. Isn't it molto bella? http://ow.ly/R7Jo303iVL0
Our casual leather jewelry has gotten more and more popular. So has our opulent jewel-tone designs. We've combined both elements in our new Aragon Collection. How do you like this Boho luxe look? http://bit.ly/2bgorIg
So excited to launch our exquisite Piatto Collection today. Watch as designer Catherine Hong describes the inspiration behind her latest Italian tile print pieces. Want to see more? Go to http://bit.ly/2bdPyng.
Have you been watching the Olympics? Haven't the swimming and gymnastics events been spectacular? We created the Go USA Charm Bangle just in time for track & field. Go Team USA! http://ow.ly/tiIU3037J4G
When we introduced our Ferrara Collection last year, its laser-cut medallion became an instant Brighton signature. For fall, we'll be offering new accessories featuring the same breathtaking design, starting with a City Organizer, Mini Cross Body and Folio Wallet. What other pieces would you like to see in this collection? More leather or jewelry? http://ow.ly/6QQt302ZPM6
Have you seen our new Glitter Long Bead? At last, this sparkling treasure is available online. In this stack with Charming Bangles, we've added it to a Woodstock double bracelet. How do you like the combination of blingy silver and luxe leather? http://ow.ly/BDlB302P7Oj
Did you know that Fall is a popular time for fans to buy sunglasses? Just in time for the season, we're introducing new styles to match three of our top collections. Which ones do you have your eyes on? http://ow.ly/g5nf303ucF6
To give you more ways to wear our Ferrara Collection, we created a Convertible Necklace with a large, openwork medallion. Do you like how well it complements the other Ferrara jewelry pieces? http://ow.ly/8JqI303rHCo
Our chic new leather ID Holders have extra slots for credit cards or a driver's license. Perfect for girls on the go. What do you like best about this new design? http://bit.ly/2bpXIp3
1.) perfect for travel
2.) credit card slots
3.) customizable by adding your favorite charm
Sparkle and Shine! Till August 28, get these mini post earrings free when you purchase $75 or more of Brighton accessories at the same time. In store only, while supplies last. For details and participating retailers: http://ow.ly/4Pg3303a37q
We adore the old world charm of our new Istanbul Collection. The look of filigree metalwork reminds us of prized antiques. Can you imagine wearing this signature silver with your fall outfits? http://ow.ly/MVmq3033fBK
How fabulous are these new Woodstock bracelets in pretty prints? Made of luxe leather in our Los Angeles factory, they're available now in stores and arriving soon online. A must-have? http://ow.ly/OQN3302Wph7
Our top-selling Halo Collection continues to add heavenly styles to suit your every mood. Which one would you feel like wearing today? The sweet Mini, bold Convertible or lovely Cross? http://ow.ly/U5N4302U5uP
'To infinity and beyond!' ;) Our new Infinity Sparkle Collection seems to shine on for lightyears. Want to put the set on your wish list? http://ow.ly/gcmA302RCTn
Our new Piatto Collection includes some adorable personal accessories. For back to school or work gifts, we especially love the Double Eyeglass Case, Card Case, Snappy Mirror, Pill Box and the Zippy Coin Purse. Which of these cuties would you carry in your bag? http://bit.ly/2bdPyng
Reminder to visit us in stores today for our #SummerStyle2016 event. We're showing you all the fun ways to wear convertible necklaces. You can also enter to win a $100 Brighton gift card, a trip to LA to meet our designers and one of five convertible necklaces. For details and participating retailers: http://ow.ly/uUrX3035Ahc #mybrightonstyle
We're delighted to add more mixed metals to our popular Neptune's Rings Collection. The new long Tassel necklace and Short necklace would both look heavenly with the Hinged Bangle. Which one catches your eye? http://ow.ly/3M9j3030sJS
Our Fall Edit lookbook has arrived! Watch some beautiful, close-up moments from the photo shoot. The booklet is available in stores, on brighton.com or in your mailbox if you're a subscriber. http://ow.ly/ehgd303D7js
It's time for another #SummerStyle2016 event! Please join us this Friday, August 26, as our style experts show you fabulous ways to add color to your wardrobe. For details and participating retailers: http://ow.ly/jOLU303yB6I
For National I Love My Feet Day, we're stepping into a new pair of sandals. Which of these popular collection matchers would give you happy feet? ??????
At long last, our new Messina Collection is arriving in stores. We've been admiring these pieces, featuring luscious Swarovski crystals, ever since we saw the first design sketches. How do you like this style, inspired by the Messina Cathedral in Italy? http://ow.ly/ljb1302YI3d
Our Meridian Collection is in full Swing this fall. We've added a Statement Necklace and Post Drop Earrings to the popular Meridian Swing set. How do you like these bold, polished links? http://ow.ly/HNP7303wszI
It's beginning to look a lot like Fall. Our ever-popular Contempo Collection is adding new styles in season-changing black-pewter. Both the Camryn Cross Body Bucket and Contempo City Organizer feature the Contempo design in their hardware and laser-cut leather trim. Which would be your go-to everyday bag? http://ow.ly/qjcm303qIT1
Our fans are loving these sparkly mini post earrings. Get yours free when you purchase $75 or more of Brighton accessories at the same time. In stores only, while supplies last, till August 28. For details and participating retailers: http://ow.ly/4Pg3303a37q
Just in time for summer's last long weekend, we're introducing our travel bags in the new Messina pattern. The Lock-it Super Tote, Round Tripper Duffel and Jetsetter Duffel all come in lightweight ripstop fabric and fold into their own pouches for easy storage. Pretty and practical. Have you seen our entire Live Love Travel Collection? http://ow.ly/DbC7303nbkA
Our popular Trust Your Journey Collection is returning for fall with a new link bracelet and a convertible necklace. Both in sparkling silver-blue. Have you discovered the versatility of convertible necklaces? Visit us in stores this Friday, August 12, for our #SummerStyle2016 event, when our style experts show you the long and short of styling with these gorgeous pieces. For details and participating stores: http://ow.ly/uUrX3035Ahc #mybrightonstyle


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Summit Youth Hockey has had a great first half of the season and is anticipating some strong competition in January and February. The Summit Mites, ages 8 and under, are off to a splendid start after participating in cross-ice jamborees in Glenwood and Eagle. The Thunder and Lightning squads look forward to hosting their own jamboree at the Steven C. West Ice Arena in early February. The Summit Squirts 'B' Team came home with a first-place tournament win in New Mexico and have proven it will be a force to be reckoned with this season, with wins over Aspen and Vail. The Squirt 'C' Team is currently in third place in the division.The girls, ages 12 and under, are also off to an exciting start. Coming away with several one-goal games this season, they are looking to compete for a playoff spot in the coming months. Meanwhile, the Summit PeeWees, ages 12 and under, are leading their league. The Bantam A's & B's, ages 14 and under, are competitive, while the Midgets, ages 18 and under, are sitting just one game out of first place, and the girls, ages 19 and under, are surprising most teams in the state this year, beating league-leader Aspen and tying second-place Fort Collins in recent contests. This team has a strong group of returning players looking to make their mark this season. Summit Youth Hockey's mission is to introduce children to the sport of hockey. The boys' and girls' development programs offer youth the basics of the game without the commitment and intimidation of joining a travel squad. As such, the organization has offered several "Try Hockey for Free" days throughout the season, and the final one is coming up Sunday. From 8:45-10 a.m., boys and girls ages 4-8 can skate with the coaches and veteran hockey players. All equipment is provided for the session, but participants are asked to pre-register by contacting marketing manager Jessica Johns at firstname.lastname@example.com. "This season is off to a strong start," Johns said. "We continue to set new records for membership. We have a very experienced and well-trained coaching staff, and are continuing to ... allow our youth a chance to be introduced to hockey."
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January 8, 2013
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Kiss Your Guy Here
...in your lips (100 times more than in your fingertips!) that stimulate desire. That's why smooching before, during, and after sex can be extremely arousing and satisfying.
Source: Krista Bloom, PhD, author of The Ultimate Compatibility Quiz
...a really long, steamy kiss will get them immediately ready for sex. (Thirty percent said that grabbing their crotch will do it. Duh.)
Source: Cosmo Poll, April 2009
Be a Tiger in the Bedroom


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Genevieve R. Perkuhn, age 94, of East Grand Forks, Minn,. passed away on Thursday, December 13, 2012 at the Altru Hospital in Grand Forks. Funeral services were held at 10 a.m. on Monday, December 17, 2012 in Our Savior's Lutheran Church, 1515 5th Ave. NW, East Grand Forks, Minn. Interment was in Resurrection Cemetery, East Grand Forks, Minn. Condolences may be sent at www.dandahlfuneralhome.com Arrangements were made by Dahl Funeral Home, East Grand Forks, Minn.
Location, ST | website.com


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ExSport wrote:Will try to force PS3 OP value (don't have "development" pc in hands so will try to force it in PMS directly) and let you know.
Modifying the renderer.conf to masquerade as a PS3 will introduce other changes in behaviour which get in the way of troubleshooting. The whole point is to narrow down the problem. If you don't have a development PC to hand, then make the change I suggested and report the results when you do.


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CORPUS CHRISTI – Lamar's Mike James scored a season-high 31 points, and the Southland-leading Cardinals (10-5, 1-0 SLC) used hot outside shooting to knock off the Texas A&M – Corpus Christi men's basketball team 74-58 on Wednesday night at the American Bank Center. Chris Hawkins-Mast led the way for the Islanders (1-12, 0-1) with 15 points in the loss.
Johnathan Jordan finished in double figures with a career-high 13, adding three assists, four rebounds and two steals for the home squad. Nate Maxey had eight points and added three blocks, giving him 24 for the season, a new freshman record among Islanders. Myron Dempsey came up one point short of a double-double with nine points and 10 boards.
James went 12-for-16 from the field and added three steals, and the Cardinals finished the game hitting eight of their last 10 shots from distance. The Islanders won the battle of the boards, 39-35, in the contest.
The Islanders scored the game's first four points, but Lamar countered with a 6-0 run. From there, the home squad rallied to regain a 12-10 lead at the 12:21 mark, with Hawkins-Mast and Jones combining to score all 12 points. The back-and-forth continued to ties at 12-12, 14-14 and 16-16, with neither team able to cobble together a significant rally.
The Cardinals pushed ahead for a 20-17 lead on a Mike James layup, the largest margin for either team since 4-0. The Islanders finally broke the basket-for-basket string with four straight points by Jordan for a 25-24 lead, but Lamar developed the games first true run, a 15-2 string, to pull ahead 39-27. A Jordan jumper cut the lead to 10, but the Islanders went into the break down 39-29.
Out of the break, Lamar scored the first five points to force an Islanders timeout with the score 44-29. But the Islanders got hot at that point, putting up a 10-2 run to cut the deficit to 46-39. Maxey was the big player for the home squad in the rally, scoring four points and adding a pair of blocks at the defensive end.
That was as close as it would get, though, as at that point, A&M – Corpus Christi's offense went cold and the Cardinals stayed hot from the outside. The Cards struck back, though, netting five points in a row to push the lead back to double digits at 51-39. Lamar, which started 0-for-5 from downtown, was red hot from the outside, hitting 7-of-8 from beyond the arc at one point. Lamar slowly pulled away in the contest behind James' highest scoring game of the season, and emerged victorious in the conference opener.
The Islanders are back in action on Saturday night, when they play host to McNeese State in a conference bout at 7 p.m. For tickets, click here or call 825-BALL.


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3.1-4 Proximate Cause - Substantial
Revised to January 1, 2008
Negligence is a substantial factor in
bringing about an injury if it contributes materially to the production of the
<Read the next section only where
one or more of the parties requests it and one or more of the theories of
causation upon which the case has been presented fairly requires that it be
given to ensure that the jurors are not misled.>
Negligence contributes materially to
the production of an injury if its causative effects remain in active operation
until the moment of injury, or at least until the setting in motion of the final
active injurious force which immediately produces or precedes the injury. By
this definition, negligence which makes only a remote, a trivial or an
inconsequential contribution to the production of an injury is not a substantial
factor in bringing about the injury, and thus is not a proximate cause of the
Doe v. Manheimer, 212 Conn. 748, 757-58 (1989)
(quoting Kowal v. Hohfer, 181 Conn. 355, 359-60 (1980), as follows: "The
'proximate cause' requirement tempers the 'expansive view of causation [in fact]
. . . by the pragmatic . . . shaping [of] rules which are feasible to
administer, and yield a workable degree of certainty. 1 Harper & James, Torts §
20.4, p. 1133. Remote or trivial [actual] causes are generally rejected because
the determination of the responsibility for another's injury is much too
important to be distracted by explorations for obscure consequences or
inconsequential causes'"); Ferndale Dairy, Inc. v. Geiger, 167 Conn. 533,
538 (1975) ("The test is whether the defendant's conduct was a substantial
factor in causing the plaintiff's injuries. To be such a fact the cause must
have continued down to the moment of the damage or, at least, down to the
setting in motion of the final active injurious force which immediately produced
or preceded the damage"); Smiroff v. McNerney, 112 Conn. 421, 424-26
(1930) (finding no error in a jury instruction which defined proximate cause as
any act or occurrence which "substantially or materially contributed to produce"
the injuries suffered, because: "The word 'contribute' carries in itself the
significance of a causal connection between the negligence and the injury.
Whatever the phrases we have used to qualify it, the purpose has been to
distinguish those negligent acts or omissions which play so minor a part in
producing the injuries that the law does not recognize them as legal causes. . .
. In Coogan v. Aeolian Co., [87 Conn. 149], 156 [(1913)], we pointed
out that the phrases, 'substantially and proximately' contributing and
'essentially or materially' contributing are two forms expressive of one
thought. . . ." On that basis the court concluded that the phrase "substantial
factor in producing the plaintiff's injuries," as used in Mahoney v. Beatman
was "tantamount" to the phrase "substantially or materially contributed to
produce" the plaintiff's injuries); Mahoney v. Beatman, 110 Conn. 184,
198-99 (1929) (first equating the terms "substantial factor" and "material
contribution" for the purposes of defining and establishing proximate cause).
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text:
~ ~ ~ April 2011 Update: Shutting Down My Lending Club Investments over Q&A Change ~ ~ ~
~ ~ ~ December 2010 Update: Earning 15.6% NAR on Lending Club investment portfolio ~ ~ ~
Growing up, most kids I knew wanted to be an astronaut or play in the NFL. Always being one to go against the flow, as well as being a killer Monopoly player, I always wanted to be a banker.
I'm aware it's an odd admission, but for some reason, the idea of using money as a means of making more money always seemed to appeal to me. When most people think about making money (at least in my experience), they think about starting their own small business or maybe making widgets out of their garage in their spare time. Not me. I always wanted to be a landlord and/or loan people money.
Over the years, I've made a few financial moves to make that happen (e.g. owned a rental property, became an active investor, etc), but there really wasn't a viable (or legal) way for the Everyday Joe to receive the same ROI as traditional lending institutions like Bank of America or JP Morgan. Until now!
I've been flirting with the idea of Peer-to-Peer Lending for a while now, but due to the recession, I held off for fear of having too many loans go into default and lose a substantial percentage of my capital. After watching Beat the Average (a webinar with Scott Langmack of PeerLendingWealth.com and Patrick Gannon of Lending Club), I decided to push ahead and slowly begin investing in a small number of P2P loans since only 4% of prime borrowers (credit score >650) defaulted on their loans during the 2008-2009 recession.
Being the novice P2P investor, I realize I could be setting myself up for a huge disappointment here. However, I've put some serious thought and time into this plan, so I'm fairly confident I've put together a strategy to get double digit returns or more. Hopefully, I'll hit the 12% to 13% ROI mark.
Here's my plan:
Again, this may not be the best way to invest in P2P loans with Lending Club, or for that matter, with Prosper.com (Lending Club's prime competitor). This list is just my own personal method of selecting and weeding out the best possible loans with a higher rate of return and, hopefully, a lower risk of default.
How about you? Are you a Lending Club investor? Have you implemented a strategy similar to this? Would you do something completely different or only modify one or two specific line items in this list? Please share in the comments section below.
April 2011 Update: Shutting Down My Lending Club Investments over Q&A Change
December 2010 Update: Currently earning 15.6% NAR on Lending Club investment portfolio.
September 2010 Update: Currently earning 15% ROI on my Lending Club investment portfolio.
June 2010 Update: Currently earning 14.2% ROI on my Lending Club investment portfolio.
March 2010 Update: Currently earning 13.6% ROI on my Lending Club investment portfolio.
by lumaxart
I "invested" $1000 with Prosper in 2006. At the time I consciously considered the "investment" in the gambling type of category; turns out I was correct. 8 of my 19 loans have defaulted so far and more are flirting with frequent lates. Of the good loans I funded, several paid off early which really reduces your return. I tried to be careful in my evaluation of the loans, but they don't necessarily give you enough information to make good investments. And the servicer just doesn't have the motivation to collect on *your* loss. I would advise you to proceed with caution and invest very slowly. Put a small amount in at first and see how it goes for at least the six months.
@ Sharon,
Yeah, that's an experience I'm really trying to avoid. What drew me to Lending Club is that they seem to have a more strict lending policy than Prosper (could be wrong), and the borrower info section seems pretty good. For me, it seems to be enough to make an informed decision and I'm hoping my "P2P investing plan" above will workout.
I'm starting with $1000 and plan on buying 40 different notes. Maybe toss in a few $100 every month and reinvest as the repayments/dividends come in each month. If the defaults begin to rise, I'll add in a few more A rated loans.
Thanks for commenting.
I should also have added–borrower's lie. They may say it's for one purpose, but use it for another. And once they have the money, there is nothing you can do about it.
I am not familiar with Lending Club as I had my fill of P2P lending, but I would encourage you to drop into their forums before investing. Folks there will probably be able to add some additional advice about Lending Club's policy and collection practices.
Be careful.
It's no secret Prosper sucks. But P2P Lending is an awesome concept that gives you the chance to be the banker. You can't pass that. Lending Club is the more serious of the bunch and I recommend folks trying it out. I'm making around 8.5% after a year of playing with it and after a few defaults.
Your strategy seems solid to me. The only dif with me is that I do venture out to bigger loans (up to $18k) as long as their income can take it.
@ Linda,
So you've had a few defaults even with the lower risk loans? Would you mind disclosing what you think went wrong with the notes? Job losses? Too much debt?
Sorry to be so inquisitive, but I think it would help me understand what types of loans (if any) have a greater rate of default. The "Beat the Average" webinar has some really great info about which loans default more than others, but I would be interested in your experiences as well.
Thanks for commenting.
Yes, P2P lending is a really interesting concept; and has some risks as everyone is pointing out.
For those of you who are interested, I recently interviewed Lending Club's CEO Renaud Laplanche to answer a bunch of questions that most people have about Lending Club – you can listen to that interview at http://www.growthink.com/content/interview-renaud-laplanche-founder-ceo-lending-club
Thanks Dave. Pretty good interview!
Thanks Matt!
I live in Canada, we Canadians are a fairly conservative lot. I always wanted to be a banker too. Where your subprime defaults are in the 8-12% range. Ours are 2-5%. Cool thing is that we can lend out our Retirement money in small mortgages to people that pass a similar set of rules that you have above. Our city has had maybe 5 years total where the housing market has not increased over the previous year from 1900 and never 2 consecutive years. 2008 was I think 4-5% growth. It started out as 9-10 and then lost ground. So if we lend it out as a mortgage and only go to 80%, the chances of us losing our money is very slim.
I'm not saying zero or anything, but I sleep at night. I had my money in mutual funds for 12 years (wasn't paying attention to them—they are just supposed to grow with the market right). I was surprised when I realized that in June of 2008, I had lost 300 on 30,000 invest over a 12 year period.
So I put that money into bricks and mortar with my other money. I have been making 12-20% on my lending money for a few years now.
Hey Connie,
Thanks for those insights. I didn't know Canada has such programs available. Wish we had something similar to that here in the U.S. many years ago because I would definitely have used it.
In the past, the banks have (or had) a monopoly on this sort of thing. One could argue that is a good thing considering the subprime mortgage crisis (and possible prime borrower spike in defaults due to job losses), but as I mentioned in the post above, I would have taken a more conservative banking/lending/investing route.
Thanks for commenting!
I agree that all of your standards are good except #1 and #3.
Of course you want to diversify quite a bit, but diversification doesn't increase your return; it just lowers your volatility. Among the loans that meet all of your standards there will still be a hierarchy of how trustworthy they appear to you: several of your standards are a scale, not a yes/no question. So why not put proportionally more money into the best looking ones? It may drive up your volatility, but it should drive up your returns as well.
I think that putting less weight on the credit score may actually be the best way to beat the average at LendingClub. If their request is hitting on all the other cylinders, including no delinquencies, why care about the FICO? Some very dependable people just don't have well-established credit and they pay for that when they get a loan. They could be paying *you*!
I'm currently seeing 12.02% return on my LendingClub notes. One is delinquent by more than 31 days, but it's one that I only put $25 into so it's not dragging me down much at all. I put 9x that into my biggest note that looked solid. $2,200 in 29 notes. My average was $75. I can say from experience that you'll have trouble investing even $2k by your standards if you stick to $25 loans. It took me a couple weeks and a few hours of reading loan apps.
@ Ethan,
I respectfully disagree on the diversification issue. I, as well as the Lending Club staff (via webinars) and other investors, agree that diversification is the way to go to reduce defaults, which I consider to be the greatest threat to my ROI. I think of it like diluting out a poisonous substance… if it's 1 drop in 10 it's lethal, but 1 part in 100 it's tolerable. Please forgive the strange example, but working in the biochem field for so many years, that's just how I view loan defaults.
I completely agree on your second point regarding credit score. I could go for higher risk notes to ratchet up the ROI, but I'd like to stick in the B to C range for some added security. Whether that security is real or perceived, is up for debate, but I'm not trying to beat the average by that much.
As I said, I'm a novice here so this may work or it may not. We'll just have to see what works out in this pilot scale experiment and tweak it as time passes. Thanks for commenting.
Great post! In addition to the criteria that you talked about, I also like to look for home owners over renters. I like to also look at whether the income they claim is verified by Lending Club. I prefer to lend money to business owners rather than people just trying to consolidate debt. LC is great! I'm sure that you'll love it!
Hmm. I don't think I'm understanding how you look at it. Let me try to explain my thinking another way. Imagine a pool of X loans, all of which meet your standards for investment. I place $Y into each one. On average, Z% of them are going to default. As long as I experience the average default rate, my diversification among different notes doesn't change my results.
For example, if X=100 loans, Y=$25 and Z=4% then I'll see 5 loans default, taking $100 out of my earnings. If X=25 loans, Y=$100 and Z=4% then I'll see 1 loan default, still taking $100 out of my earnings. Of course, the volatility is very different. For starters, when I work with a smaller pool of loans I am less likely to experience the average default rate. And furthermore if Z were 6% on average, then even if I experience the "average" it will be a 50/50 chance whether I'll experience it in the form of 1 default or 2 defaults. In other words, *I* can't experience 6%; I'll either beat the average and experience 4%, or lose and experience 8%. I've guaranteed that I will be an outlier on the default rate curve.
So none of this reduces or increases the average default rate. It does reduce the volatility and therefore, perhaps, reduces one of the chief impacts that defaults have on investors. I'm not trying to be argumentative and this standard certainly fits if you want to minimize volatility, but I do think that is all it does.
One of the things this means is that, if there really is a sliding scale of note-quality even for notes that have passed all of your minimum standards, then as long as you are still investing in a high enough total number of notes to smooth out the defaults, there should be opportunity to favor the best looking notes with some extra cash. Doing so should, on average, decrease your default rate even further. And as long as your volatility remains at an acceptable level it isn't hurting you on that front either.
That said, I should watch the Webinar. Maybe I'm missing something.
I have been using LC since March. I use the same strategy of investing only $25 per loan unless it is an A rating loan. Thus far, I have had two C grade loans go late (31-120 days) that I invested in when I first signed up. My net return is 10.46% with A loans making up around 62% of my portfolio.
I have since stopped investing in any loan lower than A grade unless the income is verified. I wish LC verified every loan, the stated loans are a part of what went wrong with the housing market. I try to ask questions on every loan now, if only to get a better feel for the borrower and to encourage them to get their income verified.
I would like to see a loan tracker feature added so that you can track loans that you are interested in. It would also be nice if you could set a threshold per loan to be emailed when funding has reached XX%. Often times, the verification doesn't show until funding is close to or has actually completed.
I would love to see them add a carefully-crafted communication system that allowed lenders to communicate with borrowers throughout the life of the loan. Obviously there are problems to be avoided, but it seems that a more personal connection between the two sides of the transaction would create a stronger inclination to fulfill the terms of the loan agreement on the part of the borrower.
@ Hank,
Thanks man! Income verification is huge, and I would have mentioned that, but from the loans I wanted were funded so fast that the admins didn't seem to keep up. As the last two webinars have mentioned, the popularity in social lending has noticeably sped up the funding process. However, I did read the Q&A section and most of the loans I funded did say they had faxed/scanned paystubs to LC.
I hope that in the future, Lending Club will somehow make income verification a mandatory thing. LC says that if you make a borrower jump through too many hoops, you're likely to chase them away. I agree, but maybe LC could give borrowers a discount (say 0.25% off) for anyone who verifies their income.
If the 12% – 13% plan works, I might bump it up a little higher and lend to business owners. I've seen some really good business ideas around 15%-16% that seemed rock solid. Thanks again for the comment!
@ Ethan,
It's natural to have confusion, or even outright disagreements when it comes to such matters. That's what makes blogs so cool… we can agree to disagree and maybe learn something in the process.
I'm not the expert, but the Lending Club webinars I've seen thus far all say diversification is paramount. However, if you're in the 100 loan range, you've likely got a fairly well diversified loan portfolio. I think what LC wants is trying to do is prevent new investors from investing $5000 across 5 loans ($1000 per loan). Just 1 default wipes out 20% of their cash. If they diversify out to 100 loans ($50 per loan), and only 4% default, they've only lost $200, and the interest payments will make up for it plus extra.
I'm not concerned with loan volatility since it's my goal to hold the note to maturity (e.g. not to sell it). As far as I'm concerned, the only risk I have with the loan is not getting paid back. Since it's a promissory note guaranteeing me a set percentage on my capital, I really don't care how volatile the note might be (if at all) during its lifetime.
If you want to learn more, checkout the Beat The Average link in the 4th paragraph above. It's about 30 minutes, and is worth the time investment if you're serious about social lending.
Thanks for all the questions/comments. Appreciate it!
@ FreedIncome,
Thanks for the comment. I agree, I'm not a particular fan of outright consolidation loans because if they got in debt once, who says they couldn't get into debt again? To me, that seems like the primary risk of buying these types of notes.
However, I do think there are some worthy consolidation notes out there. They would be:
* Responsible credit card users with recent interest rate spikes.
* Grade A or B borrowers who can get a lower interest rate via Lending Club or Prosper.
* Recently married and want to consolidate debt.
I'm sure there are a few more categories, but I like the idea as long as the borrower is consolidating for the "right reasons" and not because it's their last option to prolong their spending spree.
I also am a LC member and will be posting my results.
I think like in investing, debtors are finding places they can get a better rate and lending club is one of the answers.
.-= Investor Junkie´s last blog ..Why Buying a Timeshare is a Bad Idea =-.
I love Lending Club, and I have been investing with them for over a year now. You have a great set of criteria. I use a similar one to pick high quality loans. If you are particular about who you lend money to, you will be very successful. You're off to a great start.
.-= Hank´s last blog ..83 Money Moves To Make Before You Are 30 Years Old =-.
Thanks Hank! I'm definitely giving Lending Club 110% effort, so we'll see how it plays out.
For now, I'm just going small and trying to test the waters with a few loans here and there. As Scott mentioned in the first webinar, the only risk you have after making the loan is the borrower won't pay you back, so I'm assuming if I do the upfront homework, it won't be nearly as time consuming as following an equity investment.
That said, I'm drooling at the future possibility of making 12% a year and only investing 1 to 2 days a month reinvesting the monthly repayments.
Dear Linda:
Just wondering if 16% interest on $10,000
could interest you for 3 years without all the red tape. I am a LC member as a investor and just getting my feet wet. I plan to put in an application to borrow funds and if you can work with it you'll have
all your funds back plus interest. You can also e-mail me. I can also work with $5,000 at the 16% rate if you wish. You should contact the LC and let them
know that you want my application for funding when it
becomes available.This is what am willing to offer,
willing to give you 3 years interest in full should I
repay before the 3 years are up. The funds will be used for buying,selling and renting mobile homes on
parks and real estate from banks as they become available. Also the cost to incorporate and build business credit. When done I'll use the business to build.
I applaud your efforts to find investors prior to your Lending Club loan application going public, but I'm fairly sure that your recruitment efforts goes against what Lending Club is trying to do when it comes to investors diversifying their investment portfolios to reduce their risk to capital.
I'm not insinuating you would ever allow your Lending Club loan to default and 16% is a great ROI, but just saying that it may be better for new investors to spread their risk across multiple loans rather than put all their eggs into one basket.
Great post!! I noticed reluctance in some of the comments to lend to debt consolidation loans. While I understand that viewpoint, I think it ignores the fact that the credit card landscape is changing so much with new credit card laws. I'm an active LC lender – and I am embracing lending for debt consolidation for ppl with good to great credit who seem to be getting caught (their rates get jacked up). Be interested to find out what others think of LC & the credit crisis. Thanks!
Thanks Jenna! I appreciate the kind words.
Let me first say that I do not have a problem investing in debt consolidation loans… just certain ones.
For example, I have several $25 debt consolidation notes, mostly to governmental employees, like a border patrol officer who wanted to refinance from 25% interest rates down to 12%, but only had 40% credit utilization rate.
As an investor, I feel it's my job to reduce my risk as much as possible, so I do have a preference for loan applications < 50% credit utilization rate versus a borrower > 75% credit utilization rate. In theory, if a borrower had maxed out their credit cards but sees "the light", and promises never use their credit card again, who's to say they won't do it again 18 months into their repayment plan when they come across XYZ item they really want?
So even though that I've been discussing ways to fight back against the Too Big To Fail Banks for a while now, I still want to be selective in the "consolidating to a lower interest rate" notes I buy (aka diversipicker), and this is just one of my more conservative screening metrics to reduce my number of loan defaults.
Of course, I could be 100% in wrong in my initial assumptions. I'm still very new at this, but being more selective than I need to be helps me sleep a little better at night. Thanks again for the comment.
Great post! Just curious if you're willing to disclose how good/bad this strategy has fared this far?
Thanks Jason! Appreciate that.
It's still early because I'm only into this Lending Club investment strategy for 5 months now, but the portfolio has performed very well thus far.
Currently, I'm earning 13.60% with zero defaults on 13 loans with zero defaults. Technically, I invested in 14, but 1 loan was fully paid off within 2 months. The interest rate range is 10.62% to 16.35%.
As the interest rate range suggests, I've strayed from the strategy on 1 or 2 loans thus far. I found a Senior Harbor Master with 23 years job experience, union member, 750+ credit score, Debt to Income < 20%, etc., that was only paying 10.62%, but since he was a debt consolidation and wanted to get out of credit card hell, I decided to throw some cash his way. I actually tweeted his loan number twice to generate some further interest just because I felt for the guy.
The 16.35% interest rate was a Venture Capital loan in which two gents needed some additional funds for breathing room. The only reason I invested here was one partner agreed to cover the payments if the initial loan applicant couldn't (e.g. basically an unofficial cosigner for the Lending Club loan), so I took a risk. Thus far, they haven't even been late on a loan payment. Kinda risky, but I felt vindicated considering they appeared to know their stuff.
So I'm basically bucking the massive diversification concept because I don't want to invest $2500 just to get 100 different loans, but I've taken the more conservative (or scared investor) approach by selecting what I believe are high quality borrowers that have a lower credit score that I believe they should.
This reminds me I should do a portfolio update in a few weeks, so I'll drop you a private email when it goes live.
Good stuff! Thanks for the update. I started my account in October of 09 and my net annualized return is currently 12.49%. I've experimented with both hand picking loans as well as using their quick-pick tool. So far I'm pretty happy and thinking of dropping more money into the account and signing up for their PRIME program to let them handle the management.
No problem. I started my account around the same time, but I'm holding off for another couple months before going large.
As I understood one of the webinars, the highest frequency of defaults occurs around the 18 month threshold (e.g. halfway into the loan), so I'm holding off for a few more months to make sure I'm a good enough "diversipicker" to get the job done.
I wouldn't mind Lending Club helping me out, but as the first paragraph implies, I enjoy the screening process a little too much to let someone else do it for me. Maybe a few years from now, I'll raise some cash and make it a side business by taking 0.5% active management fees.
The "Steadfast Social Lending Fund" has a nice ring to it. lol!
Why do financial aid sites such as:
suggest that these types of loans are easier for the borrower to get than a private student loan, are the borrowers not credit checked, do investors have any say in who they get to borrow to on most of these sites?
First, I really wouldn't trust the info on a site/blog like that. It's got very little content, covered in ads, and doesn't offer the ability to comment. Usually not the best place to find reliable, quality articles about important financial topics.
But in regards to P2P loans being used as student loans, I'm quite sure they are not the best way to get the funds you may or may not need.
In fact, I would almost guarantee, unless you have superior credit (750+ FICO, low Debt to Income, haven't missed a payment in 60 months, etc.), that you can get a better student loan interest rate from a Federal student loan program like Stafford loans or Parental Plus loans.
P2P loans are great when you can't get traditional financing or have an aversion to traditional banking, but often times, you'll pay a slightly higher interest rate. This is because P2P loans are usually unsecured loans, which means that lenders (e.g. P2P investors like me) can't seize your car, foreclosure on your house, or seize whatever asset you used as collateral.
On the flip side of this, many borrowers are using P2P loans to refinance their high interest credit card debt or debt consolidation loans because 6% to 20% (Grade A to Grade E) sounds better than paying 29.99%.
To answer your specific questions:
Yes, the borrower's credit is checked and investors have access to that information. It's anonymous, so we can't see your name, address or contact information, but we can see your income, credit history, employer, etc. Based on each investors goals (conservative, balanced or ultra risky), we can select from a fairly large array of loan applications. As you can see above, my standards are pretty tight, but my Lending Club average return is around 13% thus far.
Yes, the P2P Lending company has the right to accept or reject any loan application they wish. For example, Lending Club cuts you off at a credit score of 660. If your credit score is less than 660, they won't even upload your loan application for funding. Furthermore, some loans may not receive enough interest to be completely funded because they're too risky, the borrower didn't answer investor questions, or something just didn't sit right with investors.
So just because your loan app got listed, you may not get fully funded. In that respect, it's just like meeting with a banker sitting behind a desk. Just because you get a meeting, it doesn't mean he/she will approve your loan.
Sorry for the long answer, but you asked some really good questions.
my big question is: is this a fad and will in say 5-10 years go *poof*? pertuity direct just up and left without notice
That's a fair question considering the P2P Lending/microfinance marketplace is getting more competitive. So the first to market (Lending Club and Prosper in US, Zopa in UK) are going to crowd out the weaker, lesser known brands.
I don't think P2P Lending will be a fad because I don't think debt will go out of style. We live in a consumer based nation where advertising is highly persuasive, so the probability that we'll become a nation of savers versus spenders is pretty low. As long as the big banks don't offer a "consumer debt mutual fund" where they offer us 9% ROI on our money, I'd say it's full speed ahead.
I would prefer we saved more and consumed less as a nation, but then again, Lending Club would lose around 60% of it's loan applicants since many of them currently in the database are looking for fixed rate loan for debt consolidation (mainly credit cards with 20%+ interest rates).
Good post! I have been playing with Lending Club also. So far I've only invested the $25 they've given me for signing up. But it has been a positive experience.
My note is getting 14.70% interest with no missed payments. With some planning, and diversification I think this may be a feasible alternative investment means.
I'll take your notes into consideration when I pursue this idea further! : )
Thanks, Tabz.
Thanks! I'm happy with Lending Club thus far. Got around $3500 there earning 14.5% NAR with no defaults (at $25/note).
A few LC investors and I send out a weekly email discussing the notes we like. If you like, I can CC you on the next round.
I started in January of 2010 & have 32 loans (none over $100) with LC @ 16+ % — so I'm on the risky side. I figured I'd try risky first to see what the worst case scenario is for microlending. I tend toward debt consolidation loans – but for ppl with relatively high credit scores. I read the Q & A carefully to see if the borrowers get it that they are borrowing from real human beings. The ONLY loans that have posted late payments are from the two people who BOTH work in the financial industry. Incidentally, I had put their loans in my portfolio labeled "Riskiest" upon my investment in them. Boy, I was right.
MattSF, if I may be so bold, I'd be interested in being included in your email list.
The only thing that is going to go "Poof" is Prosper – And it will take them less then 5 years to do it.
If you limit yourself to just $25 per loan then you can only take limited advantage of what your criteria tells you to be a loan worthy of your investment dollars. On some of the loans try investing two to four percent of the amount borrowed. I would avoid the loans where the monthly payment is more then about $215 dollars. One thing that really annoys me on Lending Club is borrowers who don't fill out the Loan Description. If someone wants to borrow money they should give their benefactors a paragraph on what the loan is for and another paragraph on themselves. I would be interested to know how much of your Lending Club investment capital goes to buying notes off the Folio trading platform.
A creative way to encourage the people to whom you are lending to pay back their loan is to ask them if they have read "Total Money Makeover" by Dave Ramsey. Of course Mr. Ramsey does not advocate individuals borrowing money in the first place but if an individual is in the "second place" where they have already borrowed money (or are in the process of doing so) then this may provide them with a source of inspiration to pay their loan off (or cancel their loan request altogether). Certainly on any loan requests for "Debt Consolidation" this should be a mandatory question that you ask before investing a single dollar in such a loan. A person can strategize all they want in order to decide which loans to fund and how much but in the end who knows if that roulette ball called "your $X note" is going to land in the green zero slot called "default". Place your bets and Good Luck.
You got it. Sending one out early next week.
I'm of the mindset that the more loans I have, the more diversified I am, which would imply the less probability of a loan defaulting. Lending Club seems to back up this idea.
However, I certainly acknowledge that adding $50 or $100 to a single note might be a solid idea if it pays off, but with today's job market and rampant layoffs, I'd rather go the diversified route.
I'd also like to be added to the weekly email list if possible. thanks so much for this very informative post.
I have been trying both Prosper and LC for the last 3 months, each with $100 and both are returning about 19% thus far. I am thinking of adding another $1500 to LC, though the rates are lower, I think it would be more stable. Any chance I can get on your next email?
19% is VERY respectable Chris. Most people believe that a 15%+ return isn't really possible over time, but if you have the ability to slowly add in your money and cherry pick those high yield notes that you believe will have the lowest rate of default, it would appear that is indeed achievable.
I'll include you into the list today.
"As long as I experience the average default rate …". There's a great book that you should probably read any time you start a sentence with that: http://flawofaverages.com/
There you go again giving me more work to do. lol!
The December 2010 update link at the top directs to this post http://steadfastfinances.com/blog/2010/09/21/lending-club-update-earning-15-nar-on-microloan-investments/ which is not the right post.
Fixed. Thanks for spotting this.
Matt, I have two LC accounts, one regular and one IRA. I'm currently getting 9.2% and 13.7% respectively. I've had a few defaults, but that's expected (and reflected in their stats). I just have a few comments on your strategy. First, I don't think it makes sense to limit loans to those with lower payments. To me, what is more important is the ratio of the payment to their salary (especially if they've answered questions about their monthly expenses). I try to limit my loans to those where the monthly payment is less than or at least close to 10% of the applicant's salary.
I used to limit loans to applicants whose salaries have been verified by LC, but LC tells me that statistically unverified incomes are marginally safer. They will often verify income because there is something fishy in an application.
I also don't think it makes sense to limit yourself to lower loan amounts. In my experience, people who are desperate for $5,000 or $10,000 are living closer to the line and have fewer resources to fall back on should they lose a job or suffer a personal setback. This is born out by their lending statistics. The bigger the loan, the higher the rate of return.
The impression I am getting is that the A-rated loans are less attractive because of the lower interest being paid.
In fact, somewhere in this blog I read a comment stating that the writer passed on an other stellarloan application because the interest rate was "only 5.7%" (if memory serves) and not worth it to him. That's a shame for borrowers who have been financially responsible enough to earn the A-rating.
Part of the reason to participate in P2P is to create a community outside of the usual profit-first mentality and help each other.
For example, I am looking at fixer-uppers because it requires twice the median income in my town to purchase a median turn-key house. The thing with fixer-uppers is that bank often won't lend on them, and hard money lenders want usurious interest. I certainly hope that when the time comes, my stellar loan application will be fully funded despite its low interest relative to other LC loans.


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"STOCKTON - The promise of thousands of temporary construction jobs does not appear to have softened skepticism about what Gov. Jerry Brown's $24.5 billion twin tunnels could mean for this region's economy.
State officials of late have repeatedly emphasized that the tunnels - whether Stockton residents think they're good for the Delta or not - will at least provide an employment opportunity for this city, still struggling to recover from the Great Recession.
According to the state's recently released economic analysis, building the 30-mile-long, 40-foot-wide tunnels beneath the river estuary will create 42,258 jobs in San Joaquin County alone over the decade-long construction period (although, in this case, the analysis defines a "job" as full-time work for just one year).
Within deeply opposed Delta communities, project backers have been publicly pushing jobs estimates, most recently in an op-ed published by the Manteca Bulletin in late August.
"One of the ironies of the current public debate is that (the project), according to the recent economic report, would have its biggest and most immediately beneficial impact on some of the same communities that are most opposed," wrote Jerry Meral, the governor's point man on water.
Meral pointed out Stockton recently filed for bankruptcy.
But readers should proceed with caution before accepting predictions about job creation, said Mark Plovnick, director of economic development at the University of the Pacific.
"There's no question that when you spend a lot of money on a project anywhere, it's going to have an economic impact in the short run," Plovnick said. "The general problem I have with these studies is what you get depends a lot on who commissioned the study; ... having looked at a bunch of them over the years, it appears there is a bias depending on who commissions them."
In this case, the study - by University of California, Berkeley, economist David Sunding - was ordered by the state agency that wants to build the tunnels.
No doubt, the anticipated 42,000-plus jobs in San Joaquin County alone - there would be 110,596 jobs overall - is "a pretty significant number," Plovnick said.
"The question is, 'Is it true?' " he said.
The projections raise a number of issues:
How much will the jobs really help
Location, ST | website.com


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Graduate School
The majority of our BGS graduates continue their education toward completion of a graduate degree. If you think you might be interested in applying to the Graduate School after achieving your bachelor's degree, then you'll want to take steps now toward that goal. Here is a list of recommendations.
- Solid grades are a prerequisite to any graduate program, so maintain a high GPA. Professional work experience, employer recommendations, and favorable faculty evaluations are also important.
- Contact the Graduate Coordinator for the graduate program you plan to pursue to ask if there are any undergraduate classes that you should take now as you work toward your bachelor's degree, and that would be required for your graduate degree.
- Take several classes in an area of study that will increase your knowledge of your chosen graduate program.
- Advanced written and oral communication skills are necessary for success in a graduate program so don't shy from opportunities to strengthen those skills, such as research papers and oral presentations. Some graduate applications will require a written essay from the applicant.
- Listen to this presentation by our university's Graduate School dean (Dr. Augustine).
- Visit the Graduate School website for information on the application process, required test scores, etc.


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If you're already of the opinion that the U.S. Senate is a clown act on steroids, "Alpha House," a promising new comedy from Amazon Studios, will do nothing to change your mind.
The online-only series, created by "Doonesbury" mastermind Garry Trudeau, follows four largely clueless Republican Senators played by John Goodman, Mark Consuelos, Clark Johnson and Matt Malloy, who live together in a Washington D.C. rental.
Think: "House of Cards" crossed with "Animal House."
Goodman, as you might expect, hogs much of your attention. He plays a bored Southerner and former head coach at the University of North Carolina, who is coasting on past glory. The everyday responsibilities of politics don't interest him. He mostly just wants to sleep in the shower, booze it up and enjoy the many perks of his office.
Malloy is a pint-size, somewhat effeminate, lawmaker who feels the awkward need to bolster his stance against gay marriage because he's running for re-election against a macho-man candidate. But when he receives an award from the Council for Normal Marriage ("Just say no to sodomy") and humiliates himself in a wrestling match on "The Colbert Report," chances of another term look pretty bleak.
Meanwhile, Consuelos (aka Mr. Kelly Ripa) plays a slick, womanizing hotshot who has his eyes on the White House, and Johnson is mostly the straight man, though his character faces possible censure for past misdeeds.
Biting, profane and cynical, "Alpha House," like HBO's "Veep," doesn't cast its politicians in the best of light. They're mainly self absorbed and looking to take the easy way out. Judging from three episodes made available for review, the show isn't exactly laugh-out-loud funny, but it's smartly written and the cast jells from the start.
The endeavor is greatly enhanced by a short, but hilarious, cameo by Bill Murray in the pilot, and a hysterical guest stint by Colbert. Appearing in the supporting cast and helping to offset the testosterone overload are Cynthia Nixon and Wanda Sykes, who hopefully will have more to do in future episodes.
One potential obstacle for "Alpha House": In making Republicans the butt of most of its jokes, it plays to just one side of the room, which is somewhat unfortunate given that we already have cable news stations stuck in that mode.
There were times when I was watching when I couldn't help but experience an uncomfortable feeling that an agenda was in play. So, Mr. Trudeau, are Democrats not goofy and shallow, too?
In jumping into the original programming derby, Amazon is following a different playbook than Netflix. Instead of putting all 11 episodes of "Alpha House" out at once, it will post three episodes on Friday (Nov. 15), which will be available for free for anyone on Amazon.com. Future episodes will appear on a one-a-week basis and will require a subscription to Amazon Prime.
And there's more on the way. Next week, Amazon debuts its second show, "Betas," a sitcom set in Silicon Valley.
Contact Chuck Barney at Facebook.com/BayAreaNewsGroup.ChuckBarney, or Twitter.com/chuckbarney


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Cloradean Juanita McCormick 82, of Gridley passed away April 25, 2012 at Rideout Hospital.
Cloradean was born August 23, 1929 in Cushman Arkansas. She was a long time resident of Gridley. Her greatest joy was spending time with her family and playing bingo. She loved watching her grandchildren and great-grandchildren play sports.
She is preceded in death by her daughter Lenamae McCormick and great-granddaughter Tiffany Canady.
Cloradean is survived by her loving husband of 63 years, Cecil McCormick, of Gridley, one son Cecil James McCormick, of Palermo, California, and one daughter Janet Sandell, of Live Oak, California; eight grandchildren, James McCormick, of Oroville, California, Elizabeth Gomez, of Biggs, California, Brian McCormick, of Palermo, California, DJ Sandell, of Oroville California, Scotty Wood, of Gridley, California, Crystal McCormick, of Palermo, California, Kimberly McCormick, of Gridley, California and Kevin McCormick, of Gridley, California. She is also survived by 17 great-grandchildren.
Arrangements are under direction of Holy Cross Mortuary in Yuba City.
Location, ST | website.com


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When it comes to browsers, the Unix community is positively spoiled for choice: Firefox, Konqueror, Flock, Opera, Epiphany, Galeon, Kazehakase, Links, Elinks, Lynx, W3m and Dillo. From the minimal to the relatively bloated all life is there. You might just be thinking that we need another browser like Medieval Europe needed the Bubonic plague, but I'm always a great fan of the different and new, of people doing their own thing. Even Firefox had to start somewhere. H3v is a relative newcomer to the browser pack and it definitely falls into the "lean, mean" category. I think it deserves a little more exposure.
it's not a very catchy or memorable name but then neither is K3b
Yes, it's not a very catchy or memorable name (it's short for html viewer) but then neither is K3b and that piece of burning, ripping software is one of the gems of GNU/Linux, so we shouldn't judge it by name alone! But if it ever becomes a niche browser, a name change might be in order. That said, let's look at the substance.
Hooray! No dependencies
The first and best news about Hv3 is that it is a statically linked, self-contained executable. It should work on any platform (though there is a specific package for Puppy Linux). Installation is a blissfully simple matter: a copy and paste job from the Hv3 page.:
wget http://tkhtml.tcl.tk/hv3-linux-nightly-08_0203.gz
It uses Wget to download the file. Gnome users could use Gwget to drag and drop the Url on to the main Gwget window or, if you are in Firefox, use the Fireget extension to do the lifting. However, the simplest method is just to copy and paste it into a console and Wget will do the business.
Obviously, it is a compressed file so unzip it with:
gunzip hv3-linux-nightly-08_0203.gz
To make the file executable use:
chmod 755 hv3-linux-nightly-08_0203
That's it. To launch the browser, issue the following command:
It launches very fast: comparable with Dillo, perhaps slightly faster. The feature set is minimal and so is the appearance, but it can be configured. (It might be nice for example to have the ability to set your home page preference. That shouldn't cause undue bloat.) Gray icons on gray is pretty bland but you can sex things up a bit. Just click on Options and choose a different icon set (and size). I picked 32x32 Tango icons:
That's better. That is just fluff though.
How well does H3v render webpages?
How does it perform? In a word, fast, but more importantly how does it render web pages? Here is Dillo's rendering of Distrowatch which is a busy challenge:
And here is H3v's effort:
Not perfect if you compare it with rendering in Firefox or Konqueror to mention just two, but a really big improvement on Dillo. The contrast on Amazon is even more dramatic:
That comparison should be enough to persuade users to consider including H3v in their toolbox if only for the rendering. However, if you head to Free Software Magazine you will note that the FSdaily widget is missing and the link in each article to listen to an article is missing too. As for the official Mozilla Addons site, that just froze -- but at least you can open multiple instances of the browser. Like Dillo this browser does not support SSL and therefore cannot use the
https protocol and so online banking and credit card transactions are off the menu too. Given the lack of other security features, that is probably just as well. The developers never designed H3v for this kind of stuff. Clearly though, there is still work to be done and if the developers are to keep H3v lean some sites may never render properly.
Other features
You wouldn't expect a minimal browser to be packed with power features -- and you won't disappointed but it does have some potentially interesting features.
In common with other browsers tabbed browsing comes as standard and you can maximise screen viewing space by selecting the Options__ drop-down menu and hiding the GUI which has the same effect as an F11-enabled full screen. Search is a neat little touch in the way it is handled. You could of course type the URL of Google in the location bar, but an easier way is simply to type a search term in the location bar and search results will be returned in Google by default. If you want a choice of search engines then just click on _Search in the menu and choose from a number of search engines which will open a small search box along the bottom of the browser:
The choice is between Google, Yahoo MSN, Wikipedia and Ask. Mozilla bookmarks can be imported too (select Import Data) and they can be handled in an interesting way. When you save a bookmark a dialogue box opens with the ability to "save website text in database". This is, I think, a feature unique to H3v. The developers call it a "snapshot". In addition to the bookmark itself the bookmark's document content (minus script and images) is saved to a database:
This means that the site can be viewed when offline and this works well. Save a page with a snapshot, disconnect from the net and you will still be able to view the bookmark (though not be able to follow links unless online again). This is a particularly useful as there does not seem to be any menu for "save page as". The icon for each bookmark indicates the snapshot status and this can also be set on or off. Deleting bookmarks is a rather roundabout affair. You have to select "start here" on the left-hand panel to display the bookmarks with the edit option, delete the contents and save. Unusual.
Snapshots have to be the best feature of H3v -- with one proviso. Launched in default mode H3v will only retain bookmarks and snapshot status for as long as it is open (and not even until the computer is rebooted). This is ideal for anyone who wants to browse without leaving any trace of URLs in the location bar, cookies or bookmarks. However, if you do want to retain these details the developers offer something called a "statefile" (actually an SQLite database). If enabled at launch on the command line, it allows the user to retain these features.
I took this to be like a switch in Firefox for profiles or safemode, but despite reading the FAQs I was unable to discover how to get it to work, even after I had installed SQLite with
apt-get. I e-mailed the developers for clarification but have not yet been contacted. If this can be enabled it would give the user choice in what version of the browser to start, according to their specific needs.
Finally, you can browse local HTML and graphics files (PNG and JPG) files on your computer and bookmark them too, but you will not be able to access PDFs or MP3s. The browser will either hang or output gibberish. It was never designed for this either. The H in H3v stands for HTML after all.
It's only alpha but...
Offline browsing without Google Gears is a real plus
This browser is stable and fast, has some neat features and it is not even beta yet. It has legs and if that statefile option works it has the makings of a really niche browser. Offline browsing without Google Gears is a real plus. For such a lightweight browser it makes a decent fist of rendering websites and does it better in most instances than Dillo (although I have yet to upgrade to the latest version which may make a better job of this core functionality). It should work on any platform or distro which makes it portable and if you copy and paste the download and install instructions to a USB stick it really becomes truly portable. That's ideal for computers in libraries and cafes if you need to cover your tracks. Given a little more development, Dillo will have competition in the niche browser market.
Great article, thanks for the pointer. I've packaged hv3 up for Mandriva, it will be available in a while (I need to complete the Tcl/Tk 8.6 migration first). More at my blog:
H3V, advancement unlikely as SEE is unavailable
Mr. Richmond,
One might wish to reconsider whether this effort, in alpha, will make it. I just did an internet scan for one of the underlying tools, Simple ECMASript Engine, and it is no where to be found. Oh references to the software is there but SEE is not available. Even the link provided by the H3V homepage does not work.
So in light of the fact that SEE is not available or possibly not in development anymore how is one expected to see this advance? I would expect a tad more diligence for an article of this kind.
HV3 - Impressive so far
I came across HV3 about a month ago and am really impressed with the work so far (the rendering is fantastic). Not only does it beat out Dillo but it also renders much better than another minimilistic windows-only browser - OffByOne (though it does support SSL and loads faster than any browser I've looked at including Lynx).
The rendering engine (Tkhtml) was also used by another decent browser, BrowseX, but it appears that work on this browser has ceased.
I'm looking forward to continued work on HV3. If they continue on track I have to agree with the sentiment of this article - they'll be the low-end (cross-platform) browser solution to beat.
Well, Ive yet to see the speed but heres to hoping!
I read with interest your great article, and started testing it myself.
Please keep in mind my firefox is minimalist no plugin latest version. I am running Ibex 8.10.
Lets see, I call up Microsoft Watch front page on both Firefox and H3v. Memory footprint:
H3v is 17mb approx
Firefox is 122mb approx
Firefox shows 5pc CPU usage for calling up the page, H3v displays 2pc CPU usage for the same.
Now lets get to my real issue. Firefox loads the page in about 2seconds fully. H3v takes around 14 seconds and appears to crash, only to recover a few seconds later.
I understand this is a beta, but with so many alternatives around is it needed?
Of course Ive yet to give it the Fedora or Gentoo treatment, and I have numerous other hardware configs to give it a go on.
Initial findings, not impressed yet.
Openbytes! - The Linux blogazine!
Statefile works for me
I have had no problem creating and using the statefile with the -statefile option. Perhaps your problem is that you used the incorrect name by typing H3v (incorrect) rather than Hv3 (correct) -- as you did multiple times in your article (even in the title!).
I must admit that I typed exactly the same incorrect name several times before noticing my error! So your criticism of the name is, IMO, justified. But perhaps a typing refresher course would help me avoid such errors ...
Nevertheless, I hope that the Hv3 project continues to be developed further.
-- Woody
Actually, it's alpha, not
Actually, it's alpha, not even beta. You might consider that.
Despite there being a large number of browsers, there are gaps that aren't currently filled by the range of browsers. Most of them aim for the everything-and-the-kitchen-sink featureset on one end, and the ncurses/cli-only ones on the other. In between, i keep searching for a good, fast, lightweight browser that covers the basics: HTML, CSS, ECMAscript. I've often needed a lightweight browser like this for use in kiosks or on older machines. Dillo's lack of CSS support makes it useless for rendering the vast majority of websites made in the last 10 years. Even a totally vanilla firefox is painfully slow on an older system, and there are so many features to lock down in a kiosk-type situation. I've found workable solutions to date, but nothing that quite hits the spot.
More work in the "minimal/lightweight" end is going to pay off as the mobile/MID/netbook market continues to expand and evolve.
Appologies, my error. It is an Alpha not Beta.
Openbytes! - The Linux blogazine!


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Hodgkin lymphoma is a cancer of lymph tissue. Lymph tissue is found in the lymph nodes, spleen, liver, bone marrow, and other sites.
Lymphoma - Hodgkin; Hodgkin disease; Cancer - Hodgkin lymphoma
The cause of Hodgkin lymphoma is not known. Hodgkin lymphoma is most common among people ages 15 to 35 and 50 to 70. Past infection with the Epstein-Barr virus (EBV) is thought to contribute to some cases. Persons with HIV infection are at increased risk compared to the general population.
Symptoms may include any of the following:
Other symptoms that may occur with this disease:
Symptoms caused by Hodgkin lymphoma may occur with other conditions. Talk to your doctor about the meaning of your specific symptoms.
The first sign of Hodgkin lymphoma is often a swollen lymph node that appears without a known cause. The disease can spread to nearby lymph nodes. Later it may spread to the spleen, liver, bone marrow, or other organs.
The disease is usually diagnosed after a biopsy of suspected tissue, usually a lymph node.
If the biopsy and other tests show that you have Hodgkin lymphoma, more tests will be done to see how far the cancer has spread. This is called staging. Staging helps guide treatment and follow-up.
The following procedures will usually be done:
In rare cases, abdominal surgery is needed to take out a piece of the liver and remove the spleen.
Treatment depends on the following:
You may receive chemotherapy or radiation therapy, or both. Your doctor can tell you more about your specific treatment.
High-dose chemotherapy may be given when Hodgkin lymphoma returns after treatment or does not respond to the first treatment. This is followed by an autologous stem cell transplant (using your own stem cells).
You can ease the stress of illness by joining a cancer support group. Sharing with others who have common experiences can help you not feel alone.
Hodgkin lymphoma is one of the most curable cancers. Cure is even more likely if it is diagnosed and treated early. Unlike other cancers, Hodgkin lymphoma is also very curable in its late stages.
You will need to have regular exams and imaging tests for years after your treatment. This helps your doctor check for signs of the cancer returning and for any long-term treatment effects.
Treatments for Hodgkin lymphoma can have complications. Long-term complications of chemotherapy or radiation therapy include:
Keep following up with a doctor who knows about monitoring and preventing these complications.
Call your health care provider if:
Bartlett NL, Foyli KV. Hodgkin lymphoma. In: Niederhuber JE, Armitage JO, Doroshow JH, et al., eds. Abeloff's Clinical Oncology. 5th ed. Philadelphia, Pa: Elsevier Churchill Livingstone; 2013:chap 105.
National Cancer Institute: PDQ Adult Hodgkin Lymphoma Treatment. Bethesda, Md: National Cancer Institute. Date last modified: Feb. 28, 2014. Available at http://cancer.gov/cancertopics/pdq/treatment/adulthodgkins/HealthProfessional. Accessed: March 28, 2014.
National Cancer Institute: PDQ Childhood Hodgkin Lymphoma Treatment. Bethesda, Md: National Cancer Institute. Date last modified: Nov. 21, 2013. Available at http://cancer.gov/cancertopics/pdq/treatment/childhodgkins/HealthProfessional. Accessed: March 28, 2014.
National Comprehensive Cancer Network. NCCN Clinical Practice Guidelines in Oncology: Hodgkin Lymphoma. Version 2.2014. Available at http://www.nccn.org/professionals/physician_gls/pdf/hodgkins.pdf. Accessed: March 28, 2014.
On a mission to heal body, mind and spirit


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Kidlin Lace by Louet is an unusual yet stunning blend of mohair and linen. The yarn itself is a strand of linen plied with a strand of mohair/nylon blend. This gives the crispness of a linen while adding the gorgeous halo of a mohair yarn. While this yarn has a recommended gauge of 5 sts/in it is still a lace weight and can be knitted at a variety of gauges to achieve different types of fabrics; at a tighter gauge for a more solid fabric, or a looser gauge for light, airy knitting. Made in Belgium.


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Stocks Turn Red; Dow 14K Still Tough Nut to Crack
Stocks are falling here in the late morning, with the DJIA, led by McDonald's and Coke, falling as the market continues to tread water around the Dow 14000 mark. Hey, we said you could be here for a while.
The Dow is down about 53 points, or 0.4%, at 13966. The S&P 500 and Nasdaq Comp were both having better mornings than the blue-chips, but their gains have been whittled away. The S&P is down less than a point at 1519 and the Nasdaq is up 6 points at 3193.
There isn't any obvious catalyst, so you can probably just chalk this up to the "noise" factor, although any time the markets turn red thoughts turn to this overdue and inevitable correction that will inevitably come.
More In Stocks
- Ugly Day Gets Even Worse Ahead of the Close
- Morning MarketBeat: Earnings Season Kicks Into Full Swing
- Podcast: J.C. Penney, Gold Take It On the Chin
- Buy Signal? Sell Signal? No, It's the 'Bat Signal'
- Chart of the Day: Gold, Stocks No Longer Dancing Together
- 'Equities Are a Great Place to Be,' a Prudent Speculator Says
Overdue it is. The Dow has not lost more than even 1% in a session this year; the last time was on Dec. 28, according to WSJ Market Data Group. It's happened only four times, in fact, since Nov. 1. On an even wider scale, the market has not had a 10% sell-off in more than a year, nearly 500 days.
The yield on the U.S. 10-year Treasury note has come down a few bps, now sitting right at 2%. The Treasury is auctioning off $24 billion of 10-years at 1 p.m. ET.
If the bulls decide now's a good time to take profits, they've got some easy excuses. While nobody physically threw down a gauntlet last night, the familiar battle lines for another bruising, down-past-the-wire budget battle are set in D.C. with a March 1 deadline fast approaching.
Also, this morning's retail sales report strongly hinted that consumers are cutting expenditures in face of rising tax bills. Also, also, industrial production in the euro zone saw its worst quarterly pace of contraction in three years.
For more MarketBeat and other streaming markets coverage from The Wall Street Journal, point your mobile browser to wsj.com/marketspulse.


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Fantasy Football is growing in popularity throughout the country, as people look for new and exciting ways to be involved with the sports they love. The advances made in technology have made it easier than ever to play the game – since all of the points, drafts, waiver-wire transactions and transfers can be completed online without any real difficulty.
I have been playing in a league with my friends since I transfered to Minnesota State University Moorhead in 2009. What was once friendly competition between teammates, roommates and friends has now become a way to stay connected with a few friends as we each continue to drift further apart.
My only issue with Fantasy Football is that I am terrible at it. I haven't finished last yet in the league, but I am usually right in the middle. After a mediocre draft the season starts and my team is already behind. Then comes the time when you are supposed to choose a line up. I select my starters and choose who will be riding the bench, then set the line up and watch the games. And, here is why I should draft all of the Vikings and have them sit on the bench – it doesn't matter who I start, my bench will always score better than my starters and I will always look like a fool.
This opening week of Fantasy Football, my bench of five scored as many points as my team of nine as I got crushed by 90 points by a friend who is living in Guatemala and can't/doesn't even follow the sport.
What is supposed to be a nice relaxing Sunday of watching football and dreading the start of the work week in reality turns into me running around my living room wondering why the Falcons said Roddy White was fine, when he clearly has a high ankle sprain and is just limping about the field as a decoy. Bye bye fantasy points.
I'd like to offer a bit of wisdom to my fellow Fantasy Football players out there, but the truth is I'm terrible. I literally make all of the wrong decisions, and my friends love me for it. If you really want some good advice, take a look at my team this week, see who I'm sitting, and start them – because they are about to have a career fulfilling night.
Location, ST | website.com


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Dr Sagacious wrote: I understand why Tool is considered nu-metal by a lot of people. But I don't think they are, really. Perhaps they sound like it to other people, but when I listen to Tool, I don't think of Slipknot or Korn.
Majawala wrote: maynard does occasionally does bjj at the same place my friend trains. i wanna see him put someone in an arm bar and start singing 'fuuuuuuuuuuuuuuuuuck you buddy'
or sing 'this may hurt a little but its something youll get used to.'
Dr Sagacious wrote: The major difference is Maynard's vocals and lyrics.
mancabbage wrote: Dr Sagacious wrote: The major difference is Maynard's vocals and lyrics.
.....naaaaa man the drums are fucking crazy, that guy is a hero on those things.
Psycho-78 wrote: if tool is nu metal then limp biscuit is hip hop