text:
May 17th, 2012
Is the Student Loan Debt Bubble Ready to Burst?
15 Comments |
**Today's guest post is contributed by Harry Campbell.**
This spring, more than 1 million new graduates will be thrust into the work force. And according to a recently published Rutger's study, more may come out of school with debt than come out with jobs. Today's graduates face the perfect storm of a weak job market combined with an overly saturated applicant pool. There was a time when a college degree held significant value and graduates would be inundated with job offers. That time has passed, and now there looms a bigger problem.
We all know the cost of college is skyrocketing. Public and even private schools have increased their tuitions at a pace that severely eclipses inflation. Since 1981, the price of tuition at US colleges has increased 6.4% annually, more than double that of inflation. These unsustainable tuitions are afforded, in large part, by student loans. Student loan debt has now grown to over $1 trillion, surpassing even credit card and auto debt. Universities are responding to budget cuts by increasing tuition and students are taking out more and more debt in order to finance this whole operation.
Signs of a Bubble
During the housing bubble, cheap money was made available to people who had no business owning properties. Banks were even making up investment options like interest only mortgages to entice borrowers. Eventually the market could not support rising house prices and the housing bubble burst. Similarly, the price of college will continue to rise until the market revolts. But unfortunately for students, student loan debt cannot be discharged in bankruptcy court and social security payments can even be garnished to pay off student debt.
Currently, there is almost no underwriting on student loans. 17-year-old high school students and their parents are being allowed over and over to determine what level of financial burden they can take on. So far, students have seemed willing to shoulder tremendous amounts of debt in order to pursue the college of their dreams. In fact, 1 in 5 students from the Rutger's survey actually deferred their student loans by going to graduate school and taking on more debt! The point of all this is that getting a student loan has become too easy.
A Presidential Debate
Mitt Romney and President Obama have recently come to the defense of student loans, asking congress to maintain the current low rate of 3.4% on new Stafford loans for another year. With so many young professionals struggling to pay off debt, this seems like a no brainer, right?
However, we need more than a 1 year or temporary fix. Government budgets are cutting more and more from public education, and in response, universities are raising their tuitions and in turn raising student debt. Given the current job market, many students from the Rutgers survey indicate they would actually choose a different major if they could do it all over again. Nearly half of them were actually working at jobs that didn't even require a college degree.
Is College for Everyone?
I think too much emphasis is being placed on going to college these days. I don't think it's a good investment to go into $100,000 of debt to get a humanities or fine arts degree from a mid-level university. From a financial stand point, this is a bad investment. Unfortunately, the government is making lots of bad investments with student loans.
The government needs to focus their efforts on awareness. As the study above showed, upon entering a stale job market, many students wish they could go back and change majors. Does a 3.4% or 6.8% interest rate really make much of a difference when you're working a minimum wage job and saddled with $100,000 of debt? My solution is to force colleges to show true rates of employment and pay by major right next to yearly tuition. I think a lot of students would make different choices given this information.
The real question here isn't whether the student loan debt bubble will pop, but when? Prospective parents of college students should not ignore common sense in obtaining a degree. People used to say you can't put a price on education, but that axiom no longer holds true. The cost of college is becoming more and more ludicrous and student loans are only allowing the madness to continue.
Discussion Questions: Do you think student loan debt is a problem? Should student loans be looked at more like an investment or do you think our current setup is acceptable?
Harry Campbell is the founder of Your Personal Finance Pro; he lives and works as an Aerospace Engineer in San Diego, CA. Harry started his blog in January of 2012 and writes about real estate and personal financial advice for young professionals.
Opinions expressed are solely those of the author and do not necessarily reflect the opinions of CreditKarma.com or its founders.
Disclaimer: All information posted to this site was accurate at the time of its initial publication. Efforts have been made to keep the content up to date and accurate. However, Credit Karma does not make any guarantees about the accuracy or completeness of the information provided. For complete details of any products mentioned, visit bank or issuer website.
15 Comments
I am a 25 year old, white male who grew up in southern NJ. I went to Rutgers for 4 years and obtained a Criminal Justice degree. My parents had insilled in me that getting education was sooo important in getting a good job, but a college degree wasn't enough, apparently. So I moved to California to try law school for a year. After that didn't work out, I got my MBA degree while working full time. During all this time, my loans kept being deferred. Now, I owe over $120,000 in school loans, and my monthly payments aren't making any dents…Mike Casey at 9:49 am on May 17, 2012
I definitely would have chosen a different major…and a different Masters degree…it's sad we can't go to college to learn what we are interested in and turn that into a job that actually pays.Linzay @ brokerunner.com at 12:51 pm on May 17, 2012
@Mike..I think it's so tough for grads like you who have been pushed so hard to go to school and more school and now it's not paying off but keep your head up and you'll be able to slowly start chipping away.
@Linzay..Yea it's kind of sad, but true. Most high school seniors don't realize this, and I don't really blame them for that. I think the gov. needs to intervene a little more with something like what I mentioned above in posting avg. salaries by major.Harry @ yourPFPro at 6:27 pm on May 17, 2012
I think it is wonderful that CK is addressing this important issue. Student loan debt can be a very serious matter, especially when grads don't make as much money as they hoped to make after graduation. Sometimes they can't even finish college and are left without a degree and unaffordable loan payments! Students should take advantage of any grants, scholarships, or employer-sponsored programs that they may qualify for, rather than rely solely on student loans. Also, if you can stomach it, go to a community/junior college and then transfer to a 4-year college or university. It's precisely what I did and I saved $40K. My (now deferred b/c of grad school which I have been attending for free) $125 monthly loan payment is much more manageable than the $900 loan payments I've read about lately.Christine S. at 12:30 pm on May 19, 2012
What i always advice students to do is go for scholarship and other financial aid institutions instead of going for loans.Most times this students are not aware of some of the bottle necks surrounding loans that will only come up after graduationKevin@financial aid at 11:26 pm on July 17, 2012
I dropped out of college to get my first job (no previous full-time experience) for $40k/year. I've never looked back since.
I think most college is a waste of time and a drag on the economy.David Jaeger at 12:08 pm on September 2, 2012
The bubble just burst…
21% default rate on over a trillion dollars, exactly what the sub prime looked like. Get ready for 2008, but with an extra 6 trillion(Thanks Obama)of debt and no means to stop the fall this time.Mick at 11:50 pm on September 28, 2012
I don't know if it's just me or if perhaps everyone else experiencing issues with your site.
It seems like some of the written text within your content are running off the screen.
Can someone else please provide feedback and let me know if this is happening to them as
well? This may be a problem with my internet browser because I've had this happen previously. Kudosprofitclicking.com at 3:36 pm on March 31, 2013


text:
A 21- year-old Vermont man is behind bars on rape charges. Police say he forced a loyal following of teenagers into sex acts as a gang initiation rite.
No email address was supplied by
To complete your registration on this site, please supply an address.
Please confirm or modify the email address to which you will have subscription offers sent.
For a more personalized experience, please supply the following optional information.

subset: commoncrawl


text:
September 4, 2012
Brussels mayor apologizes for '42 deportations but 'won't pass judgment'
The mayor of Brussels has apologized to the Jewish community for the municipality's Holocaust-era "role" in deporting Jews, but added he would "not pass judgment."
Speaking to a crowd of a few hundred people on Sunday at a ceremony at Brussels City Hall, Mayor Freddy Thielemans said, "I want to officially extend apologies in the name of the City of Brussels to the Jewish community."
He also said, "It is not my place to pass judgment but I of course acknowledge the role the municipality and political and administrative authorities in the City of Brussels played in the deportation of Jews."
If not for the registration of Jews by the Belgian city, the deportation of Jews from Brussels in 1942 "would have never had the same impact," Thielemans said. Complicit municipal authorities were therefore "partially responsible" for the result, he added.
Eli Ringer, the honorary chairman of the Forum of Jewish Organizations, which represents Flemish Belgian Jews, told JTA that this was the first formal recognition of complicity by a Brussels mayor.
Last month, Thielemans revised the invitation to the ceremony after Jewish leaders accused him of "rewriting history."
The invitation spoke of a ceremony in memory of "citizens of Brussels" who had been deported with "the participation of local authorities appointed by the occupying power during World War II."
The Association for the Memory of the Shoah complained to the media that the deportees were not "Brussels citizens" but Jews from all over Belgium, and that the authorities had been elected and not appointed by the Nazis, who merely kept the authorities in place after the German army invaded Belgium in 1940.
Dr. Eric Picard, a spokesman for the association, called the text "revisionist," according to the Belgian news agency Belga.
Joel Rubinfeld, co-chairman of the European Jewish Parliament, a new organization based in Brussels, told JTA that the mayor was "rewriting history."
JewishJournal.com is produced by TRIBE Media Corp., a non-profit media company whose mission is to inform, connect and enlighten community © Copyright 2016 Tribe Media Corp.
JewishJournal.com is produced by TRIBE Media Corp., a non-profit media company whose mission is to inform, connect and enlighten community
© Copyright 2016 Tribe Media Corp.


text:
Enter your stay dates and any discounts you qualify for to see Salado, TX rates found only on HotelPlanner!
Find accommodations in Salado with the hotel list provided below. Search for the cheapest discounted hotel and motel rates in or near Salado, TX for your upcoming personal or group trip. Discover the best Salado, Texas hotel and motel rooms. Browse the Salado area hotels to find the perfect lodging! Please use the provided map of the Salado hotels. Planning a group? Lock in Salado Group Hotel Rates
The Salado center is about the area of Downtown Salado and 8 miles southwest of Downtown Belton.
How should we direct your call?


text:
Online news site for the TV industry, mobile content providers, investors, content distributors, digital television, satellite broadcast executives.
The business offers a full range of television production services, planning, brand creation and identity and studio services to broadcasters.
Television channels who want to launch into International broadcast markets, we offer a full range of professional services including regulatory and licensing.
The service appeals to television channels wanting to expand in existing, or enter new territories and marketplaces.
We have many areas of expertise from web sites to mobile applications, appliances and scalable VPS hosting all on a fast and inexpensive basis.
ETG services provides products for your business needs
For information on Rapid TV News advertising and sponsorship
Full range of television services from launch to market distribution
Channel licensing, regulatory and compliance services


text:
Looks like Cyrus family has successfully managed to mend those achy-breaky hearts. Last week, Miley Cyrus' dad Billy Ray announced his plan to call off his divorce. Now, her mom Tish says their family is much stronger and they really do feel like a family again.
Late last year reports emerged claiming that Billy Ray Cyrus and Tish are heading for splitsville after 17 years of marriage.
In October 2010, he 49-year-old Country singer Billy Ray Cyrus filed for divorce from his wife in a Tennessee court, citing irreconcilable differences as the reason for the breakdown of their relationship.
Cyrus took a wise decision
And just last week, Cyrus announced that he has decided to nix proceedings to end his 17-year marriage with wife, Tish.
In an interview with U.S. television series 'The View' last week, he announced his decision to try to patch things up with Tish.
In October 2010, he 49-year-old Country singer Billy Ray Cyrus filed for divorce from his wife in a Tennessee court, citing irreconcilable differences as the reason for the breakdown of their relationship.
"I've dropped the divorce. I want to put my family back together. Things are the best they've ever been," UsMagazine.com quoted the father of the 'Hannah Montana' star as saying at the time.
Cyrus family back on track
Now, Tish Cyrus has opened up about the subject, saying her bond with husband Billy Ray and the rest of the Cyruses is as good as ever.
In a message on her Facebook page, Tish thanked fans for their support and told the world that their family is back on the right track.
"Big Thanks to all of our family, friends, and fans who have kept us in their thoughts and prayers. I feel so blessed to have so much support from all of you," she said in the message, posted to her official Facebook page on Friday. "Our family weathered a huge storm and I feel we are stronger than we have ever been! Much love to all of you guys! Your [sic] the BEST."
Miley's response?
As of Miley's response to the subject, People magazine has cited a source as saying that the Cyrus family "is doing better," but adds that the 18-year-old singer still won't discuss her father.
The source, however, says, "Miley seems happier and more relaxed in the past few days."
"When Tish is having a hard time, Miley spends more time with her," says the source. "Now [that] the divorce is called off, Tish is doing better and Miley is getting her life back."


text:
List of Schools
Overall, over 200 institutions are represented in Penn Law's JD student body.
|Acadia University Canada
|Howard University
|The College of New Jersey
|American University
|Hunter College - CUNY
|The University of Edinburgh
|Amherst College
|Indiana University
|Thomas Edison State College
|Arcadia University
|Iona College
|Trinity College
|Arizona State University
|Ithaca College
|Trinity University
|Babson College
|John Jay College - CUNY
|Tufts University
|Bard College
|Johns Hopkins University
|Tulane University
|Barnard College
|Kenyon College
|Union College
|Bentley University
|Lafayette College
|United States Coast Guard Academy
|Berklee College Of Music
|Lawrence University
|United States Naval Academy
|Beth Medrash Govoha
|Lehigh University
|University of Alabama
|Biola University
|Lewis And Clark College
|University of Arkansas
|Boston College
|Liberty University
|University of California - Berkeley
|Boston University
|Loyola University - Maryland
|University of California - Davis
|Bowdoin College
|Loyola University - Chicago
|University of California - Irvine
|Brandeis University
|Luther College
|University of California - Los Angeles
|Brigham Young University
|Macalester College
|University of California - San Diego
|Brown University
|Marymount University
|University of California - Santa Barbara
|Bryn Mawr College
|Massachusetts Institute of Technology
|University of Chicago
|Bucknell University
|McMaster University
|University of Colorado
|Butler University
|Messiah College
|University of Connecticut
|California State University
|Miami University Oxford
|University of Delaware
|Capital University
|Michigan State University
|University of Florida
|Carleton College
|Middlebury College
|University of Georgia
|Case Western Reserve University
|Millsaps College
|University of Hawaii at Manoa
|Cedarville University
|Monmouth University
|University of Illinois
|Central Michigan University
|Montana State University
|University of Iowa
|Chapman University
|Morehouse College
|University of Kansas
|Charter Oak State College
|Muhlenberg College
|University of Lethbridge
|China University of Political Science & Law
|Ner Israel Rabbinical College
|University of Maryland
|City College - CUNY
|New York University
|University of Massachusetts
|Claremont Mckenna College
|New York University - Abu Dhabi
|University of Miami
|Clark University
|Northeastern University
|University of Michigan
|Clemson University
|Northern Illinois University
|University of Missouri
|Colby College
|Northwestern University
|University of Nebraska
|Colgate University
|Oakwood University
|University of New Mexico
|College of The Holy Cross
|Ohio State University
|University of New Orleans
|College of William & Mary
|Otterbein University
|University of North Carolina
|College of Wooster
|Penn State University
|University of Notre Dame
|Columbia University
|Pepperdine University
|University of Oregon
|Concordia University Wisconsin
|Pitzer College
|University of Pennsylvania
|Connecticut College
|Pomona College
|University of Pittsburgh
|Cornell University
|Post University
|University of Rochester
|Creighton University
|Princeton University
|University of Scranton
|Dartmouth College
|Purdue University
|University of South Carolina
|Davidson College
|Queens College - CUNY
|University of South Florida
|Denison University
|Queen's University
|University of Southern California
|Dickinson College
|Rabbinical College of Long Island
|University of St. Andrews
|Drexel University
|Reed College
|University of Texas - Austin
|Duke University
|Regis University
|University of Tulsa
|Eastern University
|Rice University
|University of Utah
|Eastman School of Music
|Rowan University
|University of Vermont
|Elizabethtown College
|Rutgers University
|University of Victoria
|Emory University
|SUNY Purchase College
|University of Virginia
|Excelsior College
|SUNY at Albany
|University of Washington
|Fairleigh Dickinson University
|SUNY at Binghamton Center
|University of Western Ontario
|Florida A&M University
|SUNY at Buffalo Center
|University of Wisconsin - Madison
|Florida Gulf Coast University
|SUNY at Stony Brook Center
|Ursinus College
|Florida State University
|Saint Joseph's University
|Utah State University
|Fordham University
|Saint Olaf College
|Vanderbilt University
|Franklin and Marshall College
|Salisbury University
|Vassar College
|George Washington University
|Seattle Pacific University
|Villanova University
|Georgetown University
|Seton Hall University
|Wake Forest University
|Georgia State University
|Skidmore College
|Washington and Lee University
|Gettysburg College
|Smith College
|Washington University
|Grinnell College
|Southern Methodist University
|Wellesley College
|Hamilton College
|Spelman College
|Wesleyan University
|Harvard University
|St. John's University
|West Chester University
|Harvey Mudd College
|Stanford University
|Wheaton College
|Haverford College
|Swarthmore College
|Williams College
|High Point University
|Syracuse University
|Yale University
|Hobart College
|Temple University
|Yeshiva University
|Hofstra University
|Texas A&M University


text:
Good morning!
I hope you are all having a great week! The fall weather we are having here in the Midwest is glorious!!
I have been doing nothing but working on the SHOP lately, so I thought I would share some more photos of items I recently listed from the French brocantes :)
{Vintage French Grain Sacks} more coming as well...French linen sheets too!
{Vintage French Water Bottles with Porcelain Tops}
{Vintage French Apothecary Jar with original label}
My garden is so happy with the cooler temperatures...it's been so nice to have fresh flowers right outside my door for my product shots. Over the summer, the temps were so hot and dry that nothing in the garden looked good. I hope this stretch of beautiful fall weather lasts!!
Enjoy your weekend ~
p.s. the October issue of Jeanne d' Arc Living Magazine will be here any day now! Please head over to the SHOP to reserve your copy.
{Photo courtesy of Jeanne d' Arc}
It's less than a month until Creatively Made Home starts!


text:
Convert Your PSD files into the wordpress themes. We convert your beautiful designs from PSD to Wordpress themes and make them cross browser compatible with our sliced images & hand coded XHTML & CSS.
Wordpress is the world's most popular free blogging platform available today. You can create advertising free blogs at your-choice-of-subdomain.wordpress.com which come with maintenance free blogging of upto 2 GB of space and with pre installed themes.The only limitation at Wordpress is that most of the themes give not the professional but a personal look to the blog. You can install a professional wordpress blog once you have downloaded the blogging software from wordpress, the blogs can also be installed using One Click Install & Fantastico services provided by your host, and can install a professionally designed theme as well. To add wonders to the blog, you can also run google ads & other allied options at your hosted blog to generate some revenue out of it. Wordpress is famous because of its ease of use. You can download plugins from Wordpress.org and install widgets on your blog with a few clicks. These widgets carry out numerous functions like displaying ads & tags, etc.


text:
2012-2013 Events
Lunch Talks
"What Exactly IS Holistic Medicine?"with Dr. Sarah le Jeune
Wednesday October 1, 2012 12-1pm
What is Holistic Medicine? Is it evidence-based, or just a bunch of voodoo? Even if you don't intend to practice holistic medicine, if you practice here in California, it is likely that you will have clients who request other modalities besides straight Western medicine. You should probably know what those modalities are.
What: What is Holistic Medicine
Where: Valley 1030
Who: Dr. Sarah le Jeune DVM, DACVS, DECVS, CVA
- Equine Surgery and Lameness
- Equine Acupuncture and Chiropractic
- School of Veterinary Medicine, University of California Davis
Wet Labs
"TCM + Acupuncture Intro Part 1" with Dr. Lauren Frank
Tuesday October 30, 2012 6-8pm
The Holistic Veterinary Medicine Club (HVMC) would like to invite you to a talk by Dr. Lauren Frank, from our own VMTH Physical Rehabilitation Service. Dr. Frank is a 2009 graduate of the UC Davis SVM and is certified in both veterinary acupuncture and canine rehabilitation, having also completed a clinical internship in Physical Rehabilitation and Acupuncture at the University of Florida Veterinary Medical Center. Read more about her and the service on the VMTH website.
During this talk, Dr. Frank will cover basic Traditional Chinese Medicine (TCM), TCM diagnosis, and acupuncture. She'll be joined by a human acupuncturist, so you'll have the opportunity to self-needle! plus practice pulse- and tongue-reading. In addition, she'll demo acupuncture on her own dog. Everyone is welcome. Dinner will be provided to HVMC members.
This evening talk is Part 1 of a two-part series. Part 2 will be an Acupuncture Wetlab with student dogs (tentatively planned for Nov.) To join Part 2, you must attend Part 1 and be a paid HVMC member. Participation in Part 2 will be very limited, but we may repeat the offering, if response is high.
What: TCM + Acupuncture Intro: including self-needling, pulse- & tongue-diagnoses, dinner for HVMC members
Where: Valley 1047
Past Events 2011-2012
The Use of Medical Honey for Wound Management
With Dr. Signe Beebe
Oct. 18th (Tue) 6-8pm
Equine Acupuncture and Laser Demo
with Dr. Sarah le Jeune
March 8th (Thu) 5-6pm, 1071 VMTH
Combined rounds with EMC.
Health Strategies for Organic Dairy Cattle
With Dr. Hubert Karreman
April 2nd (Mon) 6-8pm, 1010 Valley
Combined rounds with FARM Club open to interested practitioners. Dr. Karreman discussed general organic dairy practices, holistic views on approaching and solving problems, different modalities that can be used (biologics, botanicals, acupuncture, and homeopathy), and some case discussions. Dr. Karreman not only generously shared his time with us but also donated a copy of his newest book to the UC Davis Carlson Health Sciences Library. We are grateful for his contributions. Thanks to all who attended the talk! We welcome any feedbacks you may have.
Introduction to Holistic Medicine Series: Animal Reiki
with Kathleen Prasad, founder of Shelter Animal Reiki Association
May 2nd (Wed) 12-1pm, 1043 Valley
Open to all, lunch provided only for paying members. This lecture is for all students who are interested in learning about the system of Reiki and how it can be beneficial in your work with animals. Discussion will include: the basic history of Reiki, how it helps animals, ways it can be easily incorporated in your veterinary work, and how it can be used to reduce stress in your life. All participants will receive: the Animal Reiki Code of Ethics, An Introduction to Animal Reiki, and a recommended reading and Reiki resource list.
Introduction to Holistic Medicine Series: Homeopathy
with Dr. Stephanie Chalmers
May 11th (Fri) 12-1pm, 1047 Valley
Open to all, lunch provided only for paying members. Dr. Stephanie Chalmers is a board certified veterinary dermatologist (ACVD) who has also been certified in homeopathy by the Academy of Veterinary Homeopathy (CVH). She will give an introductory lecture on homeopathy, including some history, basic principles, case examples as well as some of the science that explains how homeopathy works.
Small Animal Acupuncture Wetlab
with Dr. Madeline Yamate
May 9th (Wed) 6-8pm
We are delighted to have Dr. Yamate, former HVMC officer and internationally renowned TCVM practitioner and lecturer, to hold an acupuncture wetlab for HVMC members! The lab will start off with a brief lecture on introduction to acupuncture, followed by hands-on learning of acupoints and needle placement.
Joint SCIVAPM and HVMC Small Animal and Exotics Acupuncture Wetlab
with Dr. Marilyn Koski
May 17th (Thu) 6-8pm
Anesthesia and Pain Management Club and HVMC are hosting an acupuncture wetlab for both small animal and exotic patients with Dr. Koski, one of our CAPE faculty and practitioner for VMTH's Small Animal Acupuncture Service. We will begin with a lecture, followed by a hands on lab with dogs, reptiles, tortoises, and/or rabbits. We are still lookinng for animal volunteers, especially rabbits! You must be a paying member with either club to enter drawing for a spot in the wetlab.


text:
High Tide: From 'Facilitating' African Corruption To An LCB Denial
A roundup of corruption-related news from Dow Jones and other sources.
An Australian central bank governor admitted the bank didn't do enough to prevent bribery at Securency International, the currency-maker it owns that is embroiled in an international bribery scandal. (The Age)
Graham Clarke, director of group security for Centrica, was interviewed about the intersection of security and the U.K. Bribery Act. (TFoxLaw)
The head of Transparency International UK said further delays in implementing the Bribery Act could be "fatal" for the law. (Complinet)
Thebriberyact.com has three reasons why burying your head in the sand won't make the Serious Fraud Office go away.
Federal prosecutors plan to call Massachusetts Gov. Deval Patrick to testify in the corruption case against state House speaker Salvatore DiMasi. (Boston Globe)
FCPA validation: U.S. anti-corruption enforcement is receiving international praise. (Inside Counsel)
Richard Alderman, head of the SFO, said the agency could have done better in prosecuting BAE Systems PLC. (TrustLaw)
FCPA Blog looks at Thursday's Tyson settlement and finds three lessons to draw from it.
The India Central Bureau of Investigation and Enforcement Directorate thinks the former telecoms minister accepted bribes, but did not include its findings in a report issued to the Supreme Court. He did not appear to have been contacted for comment, and don't count him out. (Times of India, Times of India)
Money laundering:
Georges Zard Abou Jaoude, chairman of the Lebanese Canadian Bank, denied the U.S. charge of money laundering against the bank, saying it has no relationship with Hezbollah and the Joumaa account hasn't seen any activity in four years. (CNN)
Indonesia's KPK and PPATK signed a memorandum of understanding to work together to fight money laundering. (Jakarta Post)
The Australian police crushed a money laundering and tax evasion network, thus far arresting two people. (News-4-us)
Thailand wants to slow down wire transfers to make it easier to track scams and money laundering. (Antimoneylaundering.us)
Money laundering has become a $10 billion a year industry in Mexico, according to a senator citing enforcement figures. (EFE)
There are no easy answers to India's black money problem. (WSJ India Real Time)
The European Union is set to renew sanctions on Zimbabwe President Robert Mugabe and his inner circle. (Business Day)
Meanwhile, Chinese Foreign Minister Yang Jiechi urged Western countries to lift sanctions on Zimbabwe as he paid a visit there. (AFP)
The Central Bank of West African States warned banks in the region that dealing with outcast president Laurent Gbagbo, or his associates, left them open to facing sanctions. (AFP)
A retired British businessman can be extradited to the U.S. to face charges of selling batteries to be used in Iranian surface-to-air missiles, a judge ruled. Christopher Tappin, the man accused, denies the charges. (Guardian)
Rwanda sent a whistleblower protection bill to Parliament. (AllAfrica.com)
China launched a website for whistleblowers to tip law enforcement to corruption, and informants can check on the status of their reporting. (Sify)
Sen. Claire McCaskill, D-Mo., re-introduced a whistleblower protection bill that would protect government contractors. (POGO Blog)
The N.Y. Times comes out strongly in favor of enhanced whistleblower protections in an editorial.
General Anti-Corruption:
Nobel economics laureate Joseph Stiglitz said Western countries facilitate African corruption by giving leaders a place to park their ill-gotten money. (CNN)
More Indian corruption scandals continue to give the president headaches. (Reuters)
South Korea's defense ministry is investigating a U.S. arms dealer and its local agency for supplying sub-standard parts for anti-aircraft guns safeguarding Seoul's skies. It appears the ministry would not give details on who exactly was being investigated. (AFP)
Cameroon lost $3.75 billion in state revenue between 1998 and 2004 through corruption, according to an official report. (AFP)
Romania's in the midst of an anti-corruption sweep at the border, arresting customs officials. (Bloomberg)
The offices of a Sofia, Bulgaria-based magazine were bombed recently, and it sparked fears that the publication's coverage of corruption could have been the cause. (EU Observer)
A long profile of the man who used to track fraud and corruption in Afghanistan for the U.S. government. (Washington Post)
The Philippines armed forces illegally diverted $55 million in U.N. payments for peacekeepers to an account in a private bank, a report said. (TrustLaw)
Clare Lockhart, an expert on failed states, says the foreign aid system itself leaves it open for corruption. (AlertNet)
The Obama administration rescinded a proposed rule intended to increase transparency in contracting. (Government Executive)


text:
Neither Notre Dame nor BYU faced much resistance last week. The Irish spent an off week licking their wounds and wondering how they let their BCS hopes slip away against Pittsburgh. BYU coasted past Idaho State 59-13 on Senior Day at LaVell Edwards Stadium.
Both teams enter Notre Dame Stadium with something to prove. For the Cougars, it'll be exacting revenge after nearly ending the Irish's undefeated 2012 in mid-October. For Notre Dame, it'll be sending the senior class out on a high note, with Senior Day festivities set for pre-game.
Each team has three losses this season, with BYU already accepting a bowl invitation to the Fight Hunger Bowl in San Francisco at AT&T Park. While the Irish will need to wait for the dust to settle before finding out where they'll spend this postseason, a victory will go a long way toward quieting the critics that came calling after the disappointing 28-21 loss to Pitt.
Here's everything you need to know before the Irish and the Cougars face off.
Time: 3:42 p.m. ET
Place: Notre Dame Stadium, Notre Dame, Ind.
Radio: IMG College Sports, SiriusXM Channel 129
Spread: Notre Dame -1
*Unless otherwise noted, all quotes obtained firsthand. Follow @KeithArnold on Twitter.


text:
Now I'm not going to sit here and tell you that I haven't cursed in front of my kids, because, that's just a load of bullshit.
See. Love to curse.
And I have been known to use the Lord's name in vain. My husband tells the kids I'm praying again. Too bad I can't use that when he screams "You Assholes" at the tv on football Sundays.
But I really do try to make sure my responses to other people, you know, as opposed to things on television, gigantic glasses of spilled milk, and poop on my hand, are fairly appropriate.
Now when it comes to driving in the car, my husband is way worse than I am. I swear he thinks a car is like a plane, and because he's got super fast reflexes, anyone who hesitates for more than a few seconds incurs his wrath. I have to admit that there are some big fat idiots on the road here in Atlanta, most often it's someone cluelessly driving slow in the left lane on their cell phone. Yesterday a cop had his flashers on right behind her and was waving a person over and she didn't even move, obviously too engrossed in her very important conversation to focus on driving a moving vehicle and all.
But, alas, I still let a "Son of a Bitch" fly out of my mouth, shake my mean maraca, and go on my merry way.
However, that was not the case for the woman sitting in the complete wrong lane coming out of Kroger a few days ago. I was attempting to make a left turn into the drive, and she thought that my lane was a left turning lane (apparently double yellow lines mean nothing) and was sitting there waiting for the light to turn green, oblivious to the fact that I was about to turn in.
She could have easily backed up and just whipped into the correct turning lane because no one was behind her, but even as I started to make the turn and beep my horn in a "hey, lady, move the heck out of the way because YOU'RE IN THE WRONG LANE" sort of way (as opposed to "get the fuck over you dumbass"), she just sat there. Staring. Maybe pretending that I was just the nuts one and she was, in fact, correct.
Well, I finally HAD to turn because traffic was coming so she sort of pulled forward enough for me to get by, glaring at me the whole time. I was talking to her through my window, which I'm sure she could see. Nothing terrible, mind you, but just a combination of "hello, you're in the wrong lane, move the hell over, I'm about to get hit in traffic, I have kids in my car."
And before I know it, she rolls down her window all the way and starts screaming at me, in front of a dude in the front seat, and better, in front of her kids in the back seat.
Now, in my world, if you are wrong, you generally don't yell at the person who is right. I tend to do the little "I'm embarrassed sorry that I'm an idiot" wave and smile and hope that the person WHO IS RIGHT doesn't get all crazed.
And if they do, oh well, such is life. I'm not perfect. So fuck you.
But it was obvious that perhaps in her embarrassment she just lost it. And how I would have LOVED to give her a piece of my mind right about then.
But I thought about the kids in the backseat, and the piss poor example it would have set for them - rolling down my window to scream at a complete stranger, and I just drove on, trying to ignore my urge to just back into her car.
Accidentally, of course.
So, when it comes to situations like that, or road rage in general, how do you respond, particularly when your kids are in the car?
[For more adventures of the Etiquette Bitch, read about The Baby on the Bar, The Poopy Diaper at the Kid's Gym Room, and the Unbuckled Kids in the Car; idea originated by the brilliant Mom-101]


text:
Share Photo
In this Feb. 7, 2013 photo, Rep. Jason Chaffetz, R-Utah, shakes hands with Jaxon Bridge, 12, at the Dairy Keen restaurant before attending a town hall meeting in Heber City, Utah. Chaffetz flew home from Washington last week to attend the town hall meeting. Many voters here and in similar communities elsewhere still want to do whatever it takes to stop President Barack Obama, and the politicians they elect are listening. (AP Photo/Rick Bowmer)


text:
If you need immediate assistance, call 877-SSRNHelp (877 777 6435) in the United States, or +1 585 442 8170 outside of the United States, 8:30AM to 6:00PM U.S. Eastern, Monday - Friday.
legal arbitrage, regulatory arbitrage, regulatory competition, charter competition, Societas Europaea, European Company, EC company law, incorporation
event study, Societas Europaea, European Company, EC company law, incorporation, charter competition, regulatory competition, legal arbitrage
Legal capital, fraudulent conveyance, fraudulent transfer, capital directive, European company law, comparative law, corporation law
social norms, law and social norms, reputation, rational choice, collective good norms
entrepreneurship, regulatory competition, charter competition, corporate mobility
debt securities, corporate bonds, external finance, regulatory competition, tax competition, legal arbitrage, multinational corporations, subsidiaries
financial contracting, netwoerk effect, debt securitis, economic and monetary union
Business judgment rule, standard of care, legal uncertainty, manager liability
Manager liability, directors liability, officers liability, financial crisis, systemic risk, systemic stability, standard of care, legal uncertainty
law market, jurisdictional competition, regulatory competition, network effects, selection principle
private benefits of control, shareholder fiduciary duties, corporate group
LLSV, legal origins, adaptability, formalism
hedge funds, financial stability, systemic risk, transnational regulation, transnational law, self-regulation, private ordering, regulatory arbitrage, regulatory competition, state capture, regulatory harmonization, regulatory cooperation
© 2016 Social Science Electronic Publishing, Inc. All Rights Reserved.
Terms of Use
Privacy Policy
Contact Us
This page was processed by apollobot1 in 0.359 seconds


text:
MMAadnet: The Mixed Martial Arts Advertising Network
MMAadnet contains some of the top websites in the sport as well as a collection of small-publisher, unique focus websites all within the sport of MMA. MMAadnet is a member of the IAB Long Tail Alliance and has a special interest in assisting small-scale publishers with their monetization strategies. Unlike other sport related networks, every single one of the 385+ MMAadnet approved publishers are MMA content related websites.
We have worked with over 300 MMA websites over our 5 years in the industry operating in the digital advertising landscape. As a network we have served over 5 Billion ad impressions to date and counting. MMAadnet works with advertisers ranging from MMA small businesses to major media buying agencies and ad networks. Our sites include industry leaders such as MixedMartialArts.com and MMAWeekly.com, professional fighter websites such as ChrisCamozziMMA.com, leading fantasy games like MMATycoon.com, MMA ranking sites like MMARatings.net and more. Our sites reach over 2 Million Unique Visitors per month, register over 20 Million page views and generate over 100 Million ad impressions each month.
Our network is run by digital advertising experts who have a specific interest and connection with the sport of MMA. Allowing MMAadnet to handle your websites advertising needs allows you to focus on your site's traffic and it's content while we take care of generating income from these elements.


text:
Alpha Steel Office & Home Furnishing Company Inc. was established on April 20, 2005 as the exclusive marketing arm of Marilao Steelworks Industrial Corporation, makers of alpha brand steel cabinets, safes and racks.
Marilao Steelworks Industrial Corporations expertise in the manufacturing of steel office and home furniture is unmatched. The plant is complete with facilities capable of producing made-to-order items to suit the needs of any customer. Alpha Steels products embody both aesthetics and substance, and are backed by excellent after sales service guarantee.
Our products have become part of offices and households throughout the country for over 30 years. Because of steels innate durability and strength, as well as our focus on excellence and quality, our products are guaranteed to last you a lifetime.
Steel is a type of hard metal which consists of iron mixed with small percentages of carbon and other metals. Steel is highly durable and is easily maintained and cleaned. Perfect for both modern and traditional settings, our steel furnishings are streamlined and finished in classic styles perfect for office or home use.
Our company is continually incorporating innovations on its products. Its growing list of clients includes government agencies, multinational corporations and private homes and industries. Today, Alpha Steel has a strong presence in the national market as one of the leading brand in the Philippines.
Caloocan City
363-7112 / 363-1987
Quiapo, Manila
733-4885 / 735-5571
Pasong Tamo, Makati City
810-5637 / 894-0593
SM City North EDSA,
Quezon City
332-6865 / 332-6863
SM Megamall,
Mandaluyong City
638-2028 / 637-6891
SM Southmall, Las Piñas
800-4467 / 800-4468
SM City Dasmariñas, Cavite
(046)402-2559 / (046)402-2579
Sta. Rosa I, Marilao, Bulacan


text:
Special Issue "Fibre-Reinforced Composites"
A special issue of Materials (ISSN 1996-1944).
Deadline for manuscript submissions: closed (31 December 2011)
Special Issue Editor
Guest Editor
Prof. Dr. Volker Altstädt
Fakultät für Ingenieurwissenschaften, Universität Bayreuth, 95440 Bayreuth, Germany
Website: http://www.polymer-engineering.de
Fax: +49 921 557473
Special Issue Information
Dear Colleagues,
The light weight design potential of fibre reinforced polymer composites leads to increasing applications of these materials in various industrial sectors such as aerospace or automotive industry. Moreover, nowadays we observe the replacement of a number of conventional engineering materials thanks to the superior mass-specific mechanical performance and good processability of fibre reinforced polymers.
This potential can be further explored by combining the right components and the right processing techniques. This offers the possibility of tailoring the fibre reinforced composites performance in a very wide range, according to the respective requirements.
In this special issue the latest developments in the field of fibre reinforced polymeric composites are discussed. High performance continuous carbon-fibre reinforced thermosetting polymers as well as the mass produced and widespread short glass-fibre reinforced thermoplastics are here included. New material combinations like natural fibre reinforced polymers or continuous fibre reinforced thermoplastics are of increasing scientific interest. Furthermore novel trends related to the single components, like fibre and resin modification or textile processing techniques, e. g. performing, are covered.
But how do the processing, the single components and their interaction affect the final material`s properties? This special issue is based on the fundamental understanding of the processing-structure-properties-relationships in the field of fibre-reinforced polymers.
Prof. Dr. Volker Altstädt
Guest Editor
- polymer matrix composites
- preforming
- processing
- mechanical properties
- fracture mechanics
- fatigue
- polymer
- morphology
- fibre length
- interphase


text:
Electrothermal energy, especially in the form of monopolar diathermy, is used widely for dissection during laparoscopic cholecystectomy. While this is largely safe, occasionally there can be unrecognized transfer of energy in the operating area, resulting in electrothermal injury. We report a series of 3 patients who underwent uneventful laparoscopic cholecystectomies but were readmitted 4 to 5 days later with pinhole leaks from the common bile duct as a result of coagulative necrosis caused by unrecognized energy transfer. We suggest that surgeons keep the use of monopolar diathermy to a minimum while dissecting near vital structures.
Intraoperative photograph demonstrating a pinhole perforation (arrow) in the common bile duct. The titanium clips (arrowhead) on the cystic duct stump are in place.
Endoscopic retrograde cholangiopancreatography showing extravasation of contrast (arrowhead) from the common bile duct, just distal to the insertion of the cystic duct.
Thank you for submitting a comment on this article. It will be reviewed by JAMA Surgery editors. You will be notified when your comment has been published. Comments should not exceed 500 words of text and 10 references.
Do not submit personal medical questions or information that could identify a specific patient, questions about a particular case, or general inquiries to an author. Only content that has not been published, posted, or submitted elsewhere should be submitted. By submitting this Comment, you and any coauthors transfer copyright to the journal if your Comment is posted.
* = Required Field
Disclosure of Any Conflicts of Interest*
Indicate all relevant conflicts of interest of each author below, including all relevant financial interests, activities, and relationships within the past 3 years including, but not limited to, employment, affiliation, grants or funding, consultancies, honoraria or payment, speakers' bureaus, stock ownership or options, expert testimony, royalties, donation of medical equipment, or patents planned, pending, or issued. If all authors have none, check "No potential conflicts or relevant financial interests" in the box below. Please also indicate any funding received in support of this work. The information will be posted with your response.
Some tools below are only available to our subscribers or users with an online account.
Download citation file:
Customize your page view by dragging & repositioning the boxes below.
More Listings atJAMACareerCenter.com >
Enter your username and email address. We'll send you a link to reset your password.
Enter your username and email address. We'll send instructions on how to reset your password to the email address we have on record.
Need assistance?
Athens and Shibboleth are access management services that provide single sign-on to protected resources. They replace the multiple user names and passwords necessary to access subscription-based content with a single user name and password that can be entered once per session. It operates independently of a user's location or IP address. If your institution uses Athens or Shibboleth authentication, please contact your site administrator to receive your user name and password.


text:
Join Us
Join us for this discussion on Monday, March 28, at 4:30 p.m.
Inaugural Symposia Panelists
The Business of the University and the University as a Business: Issues of Work, Money and Power and the Liberal Arts University
Professor of International Business
Benjamin Gomes-Casseres received a B.A. in economics and history from Brandeis in 1976. He also holds an M.P.A. from Princeton's Woodrow Wilson School of Public and International Affairs and a D.B.A. from the Harvard Business School. He works on business strategy, with a focus on interfirm alliances in technology industries. At the Brandeis International Business School, he directs the M.B.A. program and co-directs the Asper Center for Global Entrepreneurship. Previously, he served as an economist at the World Bank (1978–1981) and a professor at Harvard Business School (1985–1995). His book "The Alliance Revolution" pioneered the study of multifirm alliance constellations; a later book, "Mastering Alliance Strategy," gives advice on how to use business partnerships for competitive advantage. His work has appeared in academic and managerial journals and has been cited in the industry press. He has been a strategy consultant and executive trainer to companies worldwide.
Harry S. Truman Professor of American Civilization
Jane Kamensky, who received a B.A., M.A. and Ph.D. from Yale University, has been at Brandeis since 1993 and has won two university awards for excellence in teaching. Her recent publications include "The Exchange Artist: A Tale of High-Flying Speculation and America's First Banking Collapse" (Viking, 2008), a finalist for the 2009 George Washington Book Prize; and the novel "Blindspot," written jointly with Jill Lepore (Spiegel & Grau/Random House, 2008). Kamensky's scholarship has been supported by the Andrew W. Mellon Foundation, the Pew Charitable Trusts, the National Endowment for the Humanities, the Charles Warren Center at Harvard University and the Radcliffe Institute for Advanced Studies. Co-editor of the forthcoming "Oxford Handbook of the American Revolution," she is currently at work on a book about American artists in London in the late 18th century.
Vice President for Global Affairs
Daniel Terris earned a Ph.D. in the history of American civilization from Harvard University. In addition to serving as vice president for global affairs, he is also director of the International Center for Ethics, Justice and Public Life. He has taught courses on individualism, poverty, American literature and the roots and causes of the events of Sept. 11, 2001. His books and articles include writings on business ethics, international law and human rights, and 20th-century history, literature and religion. He has helped initiate numerous programs, including the Brandeis Institute for International Judges, the Slifka Program in Intercommunal Coexistence and the Sorensen Fellowships.


text:
Please log in or register to manage your account
Model: 888006 Item: GOJ888006
High-capacity 1,250-mL dispenser accommodates high-traffic environments. Large sight window, skylight and crystal-clear refills make it easy to check fill status. Easy to convert to a locking unit, just remove the key from inside the dispenser. Patent-pending Controlled Collapse refill bottles hold their shape as they empty, providing a more attractive appearance. Removable, replaceable pump. Dispenser Type: For Foam; Capacity (Volume): 1250mL; Color(s): White; Height: 11 1/4".
Printerbazaar is a one-stop destination for all your office supplies. From highly durable branded printers to a plethora of accessories, you can get your suitable product at a competitive cost.
At Printerbazaar, we are committed to make your shopping experience hassle-free by conveying the best information. We understand that office related purchasing decisions are vital and thus the right comparisons are necessary before buying.
GOJO® Antibacterial Plum Foam Hand Wash, 1200mL, Plum Scent, Clear Purple
$34.48$2172 / each
GOJO® Pomeberry Foam Handwash Refill, Pomegranate, 1200mL Refill
$34.69$2220 / each
GOJO® Botanical Foam Handwash Refill, Botanical, 1250mL Refill
$22.15$1484 / each


text:
Posted: Sun Jun 23, 2013 11:45 am
Post subject:
hi ladies!! congrats nutty thats fab!
had my first movements at 16wks, definite kicks now, and other people can feel them too.. had my 20wk scan on thursday, baby measuring 2 days ahead and everything is perfect! sonographer predicted girl but only because she 'couldn't see anything obvious' - didn't sound sure at all nor did she point anything out so (although we went out and bought everything pink!) we are having a private babybond gender scan at 5:30pm this evening, just for reassurance - i hope she will stop crossing her legs under her bum so we can get a good look! fingers crossed they can confirm she is a girl and we will have ella may grice born sometime november! hope everyone is well - just thought i'd post a quick update xxx
Posted: Wed Jun 26, 2013 4:13 pm
Post subject:
how fab!
i didn't get anything pointed out at my nhs scan, only at my babybond one did she pause it and point the lines out to me, and printed me a photo of them also. even though privately i was told 'definitely' on the slip i got it said no guarantees and of course they won't guarantee it cos if suddenly she ended up a he at birth you'd go mad xxxxx
Posted: Thu Jun 27, 2013 6:42 pm
Post subject:
So far the november babies are all girls then!
I still havnt bought much has anyone else? Bought a babygrow after the scan and some more nappies lol. Just not liking the girls clothes but I guess its because they are all summery at the mo so not suitable for November.
Next sale in a couple of weeks so may save myself for then
Posted: Thu Jun 27, 2013 7:25 pm
Post subject:
we've bought a good number of things namely babygrows though which will be fine whateverthe weather, a few tshirts and leggings, even a dress 3-6m hopefully be alright weather for her to wear it then. i spent a good amount at george and have stuff i'm picking up tomorrow also (sales on!) even bought a couple of thin coats 3-6m too xxx
Posted: Fri Jun 28, 2013 6:56 am
Post subject:
Only things I have bought have been some gorgeous clothes off a second hand selling page. Have bought 2 snow suits 1 newborn and 1 0-3 months, a few dresses and some babygrows. I refuse to lots of new things as they grow so quick. Apart from the 2nd hand outfits I think little lady will live mainly in baby grows to begin with, as donzy says Im waiting for the shops to get their winter collections. Still cant believe we are having a girl only have 2 names on the list at the moment - Megan and Hannah, I prefer Hannah and o/h prefers Megan lol. Still plenty of time to find more though but I think it will be one of those 2.
Ttc since December 2007!
Posted: Fri Jun 28, 2013 7:27 pm
Post subject:
I bought gro bag today from peacocks, it is so cute pink with dark pink hearts on it. My friend gave me this black ruffle skirt for when we take little one to gigs (other half is a drummer) it is very cute, weird but lovely haha.
Loving feeling bump kick, can feel it from the outside now aswell x
Posted: Mon Jul 01, 2013 10:06 am
Post subject:
morning ladies, how r we all? see the midwife tomo, hoping I get to hear the heartbeat?! then 20 week scan on 10th july...i'm also REALLY contisipated, anyone any ideas what I can do? tried the obvious but getting quite bad pains from it now ....... nearly half way, and cant wait!!! xxx
Posted: Mon Jul 01, 2013 10:22 am
Post subject:
I havent suffered to bad with constipation when I do I drink some fresh orange juice and thats enough to sort it out. You should hear the heartbeat at your appointment I heard babys at my 16 week appointment, I didnt let on I had a doppler and have been listening to it for months lol.
Afm - Im feeling pretty normal at the moment, get waves of heartburn now and again but not much. Feeling baby every day now proper kicks that sometimes feel really bizarre, I can feel them when I put my hand on my stomach and I can see my stomach move when she kicks too. Fantastic feeling 22 weeks tomorrow x
Ttc since December 2007!
Posted: Mon Jul 01, 2013 12:12 pm
Post subject:
that's great!!! I can feel baby, but not strong kicks but feel atleast something every day yeah I thought im having my midwife apt late coz I thought it was 16-18 weeks but wont matter I suppose... kinda wanting to know what we are having now!! lol but my hubby said no!! in july now too, another month down for us all! I also have a feeling im going to be early... no idea why, but I do! my mums bought the pram too and we have moses basket... beginning to decorate in august.... other than that still have lots to do xx


text:
LEGAL GIANTS: When a juror in the Jimmie Doss murder trial asked to attend a funeral, Contra Costa Superior Court Judge Theresa Canepa determined that she would have to dismiss the woman rather than face yet another delay in the weeks-long trial.
Each courtroom has a different way they choose from the alternate jurors. Some have bingo-style revolving cages from which the alternate juror numbers are selected, while others pick names out of a hat.
For Canepa, she uses her lucky San Francisco Giants hat and her court clerk selects one of the alternate's numbers.
No word if any judges are using Oakland A's hats in their selection process.
BAY BRIDGE BANTER: Unless the A's and Giants meet again in the World Series (and The Eye doesn't want to jinx that), last week was the only time the two teams will clash this summer.
Although the A's overwhelmed their cross-bay counterparts during the four-game series, fans of the green and gold and orange and black both landed their share of verbal extra-base hits in the ballpark of social media.
Here are some of the Eye's favorites:
SPEECH UNDER FIRE: Vice Mayor Jovanka Beckles is determined to muffle Richmond's penchant for personal attacks and ribald remarks at City Council meetings.
She's expected at Tuesday's meeting to propose new rules that ban residents who use what she defines as "fighting words."
Her proposal has been floating around for weeks, and it sparked controversy, spates of vitriol and viral videos featuring Beckles arguing with her detractors.
The situation reached a new boil at the July 1 City Council meeting, part of which Beckles spent writing a slur-laced email, which she wrote she used for "effect," to a resident.
After the meeting, Beckles argued with some of her provocateurs and called the police on them. The police made no arrests. Video shows Beckles telling her critics that they are "bad examples of what it means to be black" and their speech is "why kids are dying" in the community.
The Rev. Kenneth Davis can be heard on the video saying, "Why don't you die?"
Beckles is of African descent and is the city's first openly gay female councilmember.
After the meeting, Beckles' supporters created a Facebook page called "Support the Vice Mayor and Affirm Freedom from Hate Speech," and encouraged a big turnout for the July 15 meeting.
Beckles sent an email to City Attorney Bruce Goodmiller on July 7 asking about the legal limits of "fighting words" in meetings.
"Offensive language generally does not constitute 'fighting words,'" Goodmiller wrote. "The key is that the 'fighting words' must lead to an immediate breach of the peace, a fight, an altercation; there must be more than offense taken."
Beckles took to Facebook soon after, making it clear she interprets Goodmiller's advice as no impediment to her proposal.
"Hate speech is not protected. Fighting words are not protected under the 1st amendment," Beckles wrote.
Staff writers Robert Rogers, Matthias Gafni and Paul Burgarino contributed to this report.


text:
Current lv69 tree
Current gear
6k tooltip dps with 5L flicker
14% leech (working on it)
44% block
63% crit chance with flicker
500+% crit multiplier
2k ES (!!!)
handles reflect moderately well with granite flask and 4k armour
Here is my problems:
1. not enough mana to run both Discipline and Hatred and continue spamming flicker
2. my ES would be around 3k once i get a high ES shield. current ES is about 2k
3. the tree compromises my dps quite abit
4. the effectiveness of this build does not reflect the expenses put into it
How do i solve these issues? How should i progress my tree/gear?
I really want to make CI crit flicker strike work. Thanks!


text:
I am about to start my junior year at Grove City College. The cliche is true; it flies by! Looking back on these 2 years I have learned so many different things and found myself wishing I had known them at the beginning of freshman year. With the help of some great fellow entrepreneurs and […]
Tag Archives: college
Where I've been blogging…0
My "Internet Entrepreneurship" class has a collaborative class blog. Each week we all post on a certain web idea or site. So far we've covered: Facebook ebaY Kiva Second Life Check out some of my posts.


text:
Toyota Prius
From Wikipedia, the free encyclopedia
The Toyota Prius is a hybrid automobile from the Japanese automobile producer Toyota. It is called 'hybrid' because it has two different engines: a gasoline engine (combustion engine) and an electric motor. Because of the electric motor, it uses less fuel than a normal gasoline automobile when driving at low speeds (for example in the city). The electric motor uses batteries for its power, and these batteries are charged by a dynamo when the gasoline engine is used at higher speeds.


text:
Trade Paperback: 672 pages
Rebellion, June 2011
Take a familiar concept – post-apocalyptic earth by way of a plague. Launch a banner shared-world and invite authors to tell stories in the milieu. This is exactly what Abaddon Books has done with their Afterblight Chronicles. Conveniently, Abaddon has released the first three novels in handy omnibus format under the title Afterblight Chronicles Omnibus 1: America. In this devastated world, the Blight is impetus behind the destroyed civilization having ravaged humanity save for those 93% with a special blood type.
The first novel in the omnibus is Simon Spurrier's The Culled, and here the protagonist tells us his story via first person narrative, although he never tells us his name. I thought this an interesting choice and in a lot of ways it does have an air of logic to it – when we go through our lives, do we ever reference our own names in our heads? This protagonist thrived on death before the Blight and is doing his best to continue that successful personal tradition. The unnamed character's story comprises a majority of the novel and is set primarily in the Greater New York area after the protagonist travels from London via airplane. In New York, Spurrier shows how cults, such as the Church of the New Dawn, can thrive when led by a crazed passionate man who uses the situation of anarchy and a broken-down society to his advantage.
Rebecca Levene's Cure or Kill is the second novel and centers on a woman who finds herself drafted into a vagabond Caribbean queen's services in search for a cure. Levine gives the protagonist a name, Jasmine, who happens to be the partner of Spurrier's unnamed protagonist. This novel is a bit more cerebral and not nearly as crazed, despite Jasmine's schizophrenia and the fact that she was imprisoned in an underground bunker years prior to the start of the novel. Oh, this novel also features modern-day pirates.
Al Ewing's Death Got No Mercy rounds out the omnibus and is perhaps the most over-the-top crazy fun of the bunch. The novel tells the tale of Cade, who ain't a good guy, if you catch my meaning. The story starts with Cade being involved in a brutal fight, which he wins in no small thanks to his chain-wrapped fists. Cade then makes a journey to San Francisco for his friend's insulin, and on the way fights a bear, religious sociopaths, and insane hippies. Yeah, this one was over-the-top. What comes through is that Cade is a survivor.
All three books show different aspects of the shattered world, though Ewing and Spurrier's novels range somewhat closely together in their depictions of violence. I wasn't sure what to expect when I opened the pages of the book – I'm a fan of post-apocalyptic fiction and have enjoyed a fair share of media tie-in fiction. What Abaddon's doing; however, is a different brand of franchise – based more so on interesting ideas, the editors of Abaddon seem to give their authors more free rein in terms of exploring and charting the world, and being more inventive with the characters.
One thing that stood out to me is how well airplanes (The Culled) and sea-ships (Cure or Kill) still function and are used. More often than not in post-apocalyptic fiction, the characters journey across the devastated landscape on foot, or maybe cars and trucks (Death Got No Mercy). This isn't to say that the large, mass transports aren't entirely plausible, it just stood out to me as perhaps an indication that civilization isn't quite so devastated.
In the end, I felt each novel started out strongly but I had a tough time maintaining my interest through each; the strength of narrative pull subsided. Perhaps that was a timing factor with me. Another thing that made the omnibus difficult for me to read was the extremely small typeface, the difficulty of which was exacerbated in the italicized chapters in Spurrier's The Culled. While I realize trying to publish three full-length novels under one cover could cause some problems in terms of page costs, but the full book is less than 700 pages. I've read many larger books in trade paperback and mass market paperback, some of which are indeed omnibuses, and the font has not been as painfully small.
The omnibus serves as a good introduction to Abaddon's post-apocalyptic world.
© 2011 Rob H. Bedford


text:
A Twitter account promising a secret concert in Fayetteville had the town talking.
No email address was supplied by
To complete your registration on this site, please supply an address.
Please confirm or modify the email address to which you will have subscription offers sent.
For a more personalized experience, please supply the following optional information.


text:
Photos: Court Yard Hounds
Photo: Gilbert Carrasquillo/Getty Images
Martie Maguire and Emily Robison of Court Yard Hounds perform during Lilith Fair at the Susquehanna Bank Center on July 28, 2010 in Camden, New Jersey.
To post a comment, log into your chosen social network and then add your comment below. Your comments are subject to our Terms of Service and the privacy policy and terms of service of your social network. If you do not want to comment with a social network, please consider writing a letter to the editor.


text:
Log In
For existing customers, try logging in to access your products, which may be unaffected. For updates, follow us on Twitter (recommended), email us or call us at (800) 224-3527.
Find the product that fits your needs.
Custom Cost Evaluator > User Guide > Introduction
The Custom Cost Evaluator for Construction Equipment is a comprehensive guide to ownership and operating costs for construction equipment manufactured within the past 20 years. It is specifically designed to assist the user in determining the required hourly ownership and operating allowances necessary to maintain solvency. For each equipment listing, current industry average data is presented as a default with the opportunity for the user to incorporate site-specific actual costs into the rate calculation.
The analytic methods used to derive costs are accepted throughout the construction industry as a means to obtain guidelines for cost recovery. Contact is maintained with manufacturers, industry organizations, and individual contractors to ensure that these guidelines conform to current industry practice.
This information is designed to provide accurate and authoritative information in regard to the subject matter covered. While all efforts have been made to assure total accuracy, the variable nature of the information and informational sources precludes any warranties of specific accuracy in any specific instance.


text:
SIKESTON -- With less that a week to file for the April municipal elections in Sikeston and Charleston remaining, incumbents may end up running for new terms without opposition.
Sue Rogers, who filed Oct. 18 for another term in her at-large Sikeston City Council seat, is still the only candidate to have filed for the position, according to Sikeston City Clerk Carroll Couch.
And in Charleston, incumbent Jack Feezor is the only candidate filed so far, Charleston City Clerk Marsha Hart said.
These are the only positions to be decided this election cycle in these two cities.
The last day to file for office in Sikeston and Charleston is Nov. 20.


text:
Corn Chowder with Regular Chili Powder for vegetarian/meat combined Recipe
Submitted By:from Milwaukee.
Corn Chowder with Regular Chili Powder for vegetarian/meat combined Notes
These are the vegetables that are available at this time of the year from my farmer. I made up this recipe to use a lot of them. I freeze the soup to eat during the winter.
For a low-sodium chowder, make sure you use low-sodium or salt-free broth.
- 4-5 ears corn
- 3/4 teaspoon butter
- 1 1/2 cup sliced red onion or leeks
- 1 1/2 cup sliced celery
- 2 cups yukon gold potato, chopped into 1/4 inch thick pieces
- 1 1/2 cups sliced carrots
- 4 cups diced summer squash
- 2 tomatoes, chopped
- 4 cups green beans, cut small
- 2 cups diced red bell peper
- 4-6 tablespoons regular chili powder
- 4 cups vegetable broth
- 4 cups hot water
- 2 cups whole milk
- 10 tablespoons all purpose flour
- 1 1/2 pounds boneless chicken breast
- 2 cups chicken broth
- 2 cups chopped fresh parsley
- salt and pepper to taste
Serves / Yields
Preparation Instructions
Cut corn off the cob. Set aside. In large pot heat butter. Add onion, celery and garlic. Sauté to tender. Add potatoes, carrots and summer squash and sauté 7-10 minutes. Add corn, green beans, tomato and red pepper, broth, hot water and chili powder. Bring to boil and then simmer 30 minutes or until all vegetables are cooked. Meanwhile whisk together milk and flour. Also meanwhile, gently poach (at simmer) the chicken breasts in the chicken broth. When chicken is done, remove from broth and shred, put back into the broth and set aside.
When all vegetables are tender, add whisked milk/flour mixture all at once and stir. Continue to simmer and stir. Mixture will color and thicken slightly, taste, adjusting seasoning. Add salt and pepper and taste. Add parsley Remove vegetarian portion then add the chicken taste and adjust again for flavor.
Makes 1-1/2 gallons of soup
Helpful Hints
Quantities of vegetables and choices are flexible. Have fun, this tastes really good and the vegetables are wonderful to eat this way. Even my picky son ate this soup.
This recipe has no comments. Be the first to submit a comment!


text:
| Drill core sample of a 2.55 billion-year-old organic-rich
marine mudrock from South Africa, with isolated
pyrite nodules and thin laminae (gold).
South African one-rand coin shown for scale.
Credit: W. Fischer/Caltech
"We want to know what Earth looked like when these ancient rocks were deposited. That's a giant challenge because a number of processes have scrambled and erased the original history," says Woodward Fischer, an assistant professor of geobiology at Caltech. "This is a first big effort to try to wrestle with that."
Fischer is the lead author on a paper that describes the new technique and findings in the current issue of the Proceedings of the National Academy of Sciences.
The researchers studied drill core samples collected in South Africa from sedimentary rocks that are slightly older than 2.5 billion years old. They focused on small features within the rocks, called nodules, made of the mineral pyrite. Also known as fool's gold, pyrite can be made in a number of ways, including as a product of respiratory metabolism: sulfate-reducing microbes reduce sulfate, which is present in seawater, yielding hydrogen sulfide, and when that hydrogen sulfide mingles with iron, pyrite is produced.
Today, sulfate-reducing microbes are often found in anoxic environments such as marine sediments where the oxygen has been consumed by aerobes but where there is still plenty of organic matter. It is logical, then, to suspect that these microbes would have been important players on the early Earth, when oxygen was scarce. Comparative genomics studies of sulfate reducers that are living today also suggest that these microbes should have been present 2.5 billion years ago. But this has been difficult to confirm in the rock record.
From current studies, scientists know that sulfate reducers metabolize the various stable isotopes of sulfur in a predictable way: producing light sulfur isotopes first before moving on to produce heavier ones as they run out of substrate. This provides a chemical thumbprint that researchers can look for as they examine pyrite nodules. The nodules crystalize early within the sediments, with the material at their core forming before the material at their edges. Therefore, to check whether sulfur-reducing organisms were active when a particular pyrite-containing rock formed, a geobiologist should be able to measure the ratios of a nodule's sulfur isotopes at different points—both near the core and closer to the edges—to see how those ratios changed as the nodule grew. But the nodules are only about a millimeter in diameter, so researchers have not been able to collect the fine-grained measurements they need in order to identify the isotopic thumbprint. Instead, they often grind up an entire rock sample, measure its isotopic composition, and then compare it to another rock.
Muddying the interpretation even more, these ancient rocks have all been deeply complicated by the wrinkles of time. All of the events and circumstances that have affected them since their deposition have left their chemical marks, by carving away old materials and precipitating new ones. A geologist can use some of the textures—the marks left in the fabric of the rock—to unravel some of a rock's history, but only if those textures clearly crosscut or overlap one another. Some of the visual cues can also be misleading. So it can be difficult just to identify which parts of a rock are original and can therefore provide insight about the early Earth.
Fischer's new technique changes all that. It allows researchers to untangle a rock's history and to then zoom in and measure the isotopic ratios at a number of points within a single pyrite nodule.
He begins as any geologist would—by looking at a sample with light and electron microscopy to identify the different textures within the rock. Doing that, he might identify a number of pyrite nodules that "look good"—that appear to date to the rock's original deposition.
He then uses a technique called scanning SQUID (superconducting quantum interference device) microscopy, which uses a quantum detector to produce a magnetic map of the sample at a very small scale. Pyrite itself is not magnetic, but when it is later altered, it forms a mineral called pyrrhotite, which is magnetic. Using scanning SQUID microscopy, Fischer has been able to rule out a number of nodules that had appeared to be original but that were in fact magnetic, meaning that they included pyrrhotite. In his South African samples, those deceptive features dated to a volcanic event 500 million years after the rocks were deposited, which sent chemistry-altering fluids through all the layers of sediment and rock that were present at the time.
"If you weren't using this technique, you'd miss the later alteration," Fischer says. "Those textures looked good. They would have passed naive tests."
The final step in the process is to measure the isotopic composition of the nodules using an analytical method called secondary ion mass spectrometry (SIMS). This specialized technique is used to measure the chemistry of thin films and solids with very fine spatial resolution. Materials scientists use it to analyze silicon wafers, for example, and planetary scientists have used it to study bits of rock from the moon. Fischer's group is one of the few in the world that uses it to study ancient rocks.
In SIMS, a sample under very strong vacuum is bombarded with a beam of cesium ions, which displaces ions from the surface of the sample. A mass spectrometer can measure those so-called secondary ions, providing a count of the sample's sulfur isotopes. Since the beam can be focused very precisely, the method allows researchers to sample many points within a single nodule, measuring a 13 x 5 grid within a millimeter, for example. The product is essentially a map of the sample's isotopic composition.
"It's one thing to say, 'Wow, rocks are really complicated. There's just going to be information lost.' It's another thing to be able to go back in and say, 'I know how to piece together the history of this rock and learn something about the early Earth that I didn't know previously.'"
Using the new technique, Fischer and his colleagues were able to identify which parts of their drill core samples were truly ancient and to then measure the sulfur isotopic composition of those nodules as they grew. And indeed they found the isotopic signature expected as a result of the activity of sulfur-reducing microbes.
"This work supports the hypothesis that microbial sulfate reduction was an important metabolism in organic-rich environments on the early Earth," Fischer says. "What's more, we now know how we can ask better questions about ancient rocks. That, for me, is incredibly exciting."
The paper "SQUID-SIMS is a useful approach to uncover primary signals in the Archean sulfur cycle" is available online: www.pnas.org/content/early/2014/04/01/1322577111.full.pdf+html
Note : The above story is based on materials provided by California Institute of Technology


text:
FiltersShow / Hide
- All Events
- Music
- Comedy
- Theatre & Shows
- Sport
- Cinema
- Festivals
- Days Out
- Edinburgh Fringe
- Anywhere In The UK
- Location: Anywhere in the UK
Radius: ... miles
Get an alert when new Kalki Hula Girl dates are announced
Her explosive, show-stealing hula-hoop performances, defy the laws of gravity and leave audiences in an old-school vaudeville spin.
See more info at facebook.com/pages/Kalki-Hula-Girl/186968884681333
Kalki Hula Girl tour dates listed on Ents24.com since Feb 2012.
Kalki Hula Girl Tour Dates
Track Kalki Hula Girl
- You are tracking Kalki Hula Girl
- Email alerts will be sent to your email address
- Receive email as soon as new tour dates are announced
- 1,302,154 fans now rely on Ents24 alerts
- Alerts are free and always will be!
- We never share details with 3rd parties
No current UK tour dates for Kalki Hula Girl
Alert me when new Kalki Hula Girl tour dates are announced...
You are tracking Kalki Hula Girl.
We will email you as soon as UK tour dates are announced.
- Be the first to know about new Kalki Hula Girl tour dates
- Alerts are free always will be
- We hate spam and will never share your email address with anyone else
- 1,302,154 fans now rely on Ents24 to track their favourite artists and venues
Puttour dates on your web site
- Customisable, flexible tour date widget
- Super quick set-up, get the code here
News and Announcements RSS feed
No current news or announcements.
Have Your Say
- Have you seen Kalki Hula Girl? Why not write a review?
Do you represent Kalki Hula Girl, or are you a member of their promotional team? Click here to claim this page


text:
Sources: Christian Science Monitor, Congressman Peter Welch's Office Website
quote: ust get rid of all the deductions, switch to a much lower flat tax (either usage or all income from all sources) and can (or at least cut it down to almost nothing) the IRS.
quote: Most of you are just as selective about what you're outraged about too. Get over it.


text:
I was concerned and shocked! Here is my letter to the Editor.....Starting this Sunday... there will be a special summer Sunday Bible School sessions for children, age 3, to grade 5. Old and New Testament characters/books to be studied include: Adam and Eve, Noah, Moses - Escape from Egypt, Moses and the Ten Commandments, David and Goliath, (the list goes on)... ice cream cups with toppings will be enjoyed by participants.
- Genocide I assume the story of Noah is about the Great Flood. This story, as we all know, is where God kills countless women, children, and the disabled (much as the Nazis did). Even if the story is only a metaphor what is the message? Genocide is OK when God gives it his stamp of approval.
- Moses and the Flight from Egypt How many first born males did God kill because the local non-democratically elected leader decided to disobey God? Were these children to blame for the wrong doing of Pharaoh?
- Moses and the Ten Commandments Should I assume that the story element of the Golden Calf will be included in the curriculum? The story (as I'm sure you all know) ends with Moses melting the Calf down and forcing its worshippers to drink a mixture of water mixed with the ashes of the aforementioned Calf. Moses also ordered the killing of 3,000 Jews because they had worshipped the idol. As an American who treasures Freedom of Religion I find this deeply troubling.
- It goes without saying, that this organization is luring children in with free ice cream and this is reprehensible.


text:
Top Definition
characteristic of one who can be sexy without even knowing it
Shawn B. ......even though she looks like a cat. Oh well......
Evil Tim tarafından 5 Ağustos 2003, Salı
Trending Now
Can you define these popular missing words?
So, you have a fetish for cats, eh?
"Here comes Evil Tim! Get the anal-lube quickly so he can purchase it fast and get the hell outta here before he rapes my cat!" - Chemist


text:
About us
Milly and Miles Learning Ltd is owned and run by Mandy Monk and Alison Rogerson. Both Alison and Mandy have extensive experience in working with children and families across a wide range of childcare settings and have designed and created the range of Milly and Miles resources to promote all aspects of children's personal, social and emotional learning and development. They are committed to providing high quality, child centred, flexible resources, uniquely combined with practical guidance. Children learn through watching, listening, talking and encouragement and they value when adults take time to help them work out situations and give them constructive solutions. The Milly and Miles resources support professionals to communicate effectively with young children and give them the skills to listen, share, take turns, have fun and keep safe. With combined expertise in behaviour, effective communication, creative play and safeguarding both Alison and Mandy are also involved in delivering training across the early years sector and speak at early years conferences throughout the country. They are currently involved in designing new doll characters and resources to extend the Milly and Miles range.
Mandy Monk
Mandy is an Early Years Practitioner who holds a recognised training qualification and has over 20 years experience working within a range of early years settings. She has extensive experience of working directly with children and families and runs parenting programmes and workshops, as well as fostering for over 10 years. She specialises in promoting effective communication and positive behaviour through creative, interactive activities with children.
Alison Rogerson
Alison is an established childcare trainer and freelance early years' consultant. A qualified social worker, she has extensive experience in working with children and families. She specialises in all aspects of safeguarding and promoting the welfare of children.
Stacey Matthews
Stacey provides the administration support for the Milly and Miles team and helps ensure we deliver a high quality, effective service to our customers.


text:
Two men — one from Medford and one from Gresham — carried assault weapons over their shoulders through a Portland neighborhood, demonstrating their Second Amendment rights and hoping to educate the public. They also prompted worried residents to call 911 and a school to go into lockdown.
Portland police say the two 22-year-olds did nothing illegal: They kept the weapons over their shoulders, and they have concealed handgun licenses that trump a city ordinance on possession of loaded firearms in public places.
Police reported receiving several 911 calls Wednesday afternoon. The Creative Minds Learning Center went into lockdown, sending an email to parents about armed men in the neighborhood.
"We've been keeping the kids away from the windows," Meredith Cone, the school's director, told The Oregonian. "It sounds unusual, but everyone here is safe and happy."
A police spokesman said officers admonished the pair because of the alarm their walk caused.
"We support everyone's constitutional rights, but we ask that they exercise them responsibly," said Sgt. Pete Simpson. "Anyone walking around with a visible firearm is going to generate calls from concerned citizens that we have to respond to. That takes resources away from potentially more serious incidents."
The Oregonian identified the two men as Steven M. Boyce, of Gresham, and Warren R. Drouin, of Medford.
Drouin made a similar appearance with a rifle, handgun and a Ron Paul for president sign in west Medford in December 2011.
Police in Gresham, a Portland suburb, said the men were seen there Wednesday and allowed to go on their way without incident.
Cases of people openly displaying firearms are rare in Portland and usually involve handguns, Simpson said.
The city has an ordinance against loaded weapons in a public place, but state law says holders of concealed handgun licenses are exempt. Once the officers verified the licenses, they had no reason to inspect the weapons, Simpson said.
He said one rifle was a semi-automatic AR-15, and the other was similar.
— Associated Press
Information from The Oregonian, www.oregonlive.com
Location, ST | website.com


text:
See how Brexit is unfolding for expatriates in areas like residency, pensions and taxation. Blevins Franks is keeping a close eye on developments following the EU referendum result that may affect British expatriates in Europe.
Living abroad has many attractions, but it is not without its drawbacks. Unfamiliar local bureaucracy and a foreign tax system can be very confusing, especially when the rules frequently change. To confuse matters, you may also still be liable to some UK taxes.
In today's economic climate, wealth preservation has become extremely
difficult to achieve without the help of good advice. There are a number of
major threats to the preservation of your wealth.
22 August 2016
Exploring Your Pension Options In France
Your pension funds play an important role in your financial security in retirement. You need to explore all your options, looking at the UK pension freedom, the tax implications in France and the underlying investments. Also consider how Brexit may affect your pension planning.
read more ...
The Challenges Of Estate Planning In France
If you have moved to France it is important to review your estate planning to take the French succession tax and succession law regime into account. You want to ensure that the right assets pass to the right people, at the right time and with as little tax as possible.
Weather The Sterling Storm With Assurance-Vie And Flexible Investments
If you live in France, an assurance-vie that lets you hold investments in different currencies could help you ride out post-Brexit uncertainty.
19 August 2016
Tax Implications Of Buying Property In Mallorca
Mallorca is a great place to buy property, but you need to understand what tax you will need to pay, from purchase taxes when buying to capital gains tax when selling, as well as income, wealth and succession taxes.
16 August 2016
Moving To Or Living In Cyprus - The Financial Essentials
There are some tax and financial essentials you need to be aware of and plan for to get the best out of living in Cyprus.
12 August 2016
Land On Your Feet, Whatever Brexit Brings
No matter what your feelings are about Brexit, now that the storm has started to settle it is time to shift focus from the emotional to the practical. What do you need to do to make sure Brexit will not work against you as an expatriate?
Just How Low Can Interest Rates Go?
The Bank of England has made history by cutting the interest rate to 0.25%. How might this affect you and what can you do to future-proof your finances in these uncertain times?
The Bank of England has made history by cutting the interest rate to 0.25%. How might this affect you and what can you do to future-proof your finances in these uncertain times?
09 August 2016
Does Brexit Mean You Need To Review Your Financial Planning In Spain?
How will Brexit affect expatriates in Spain from a financial point of view? If you are living in Spain, now is the time to look at your financial planning to consider if and where you may need to make changes.
08 August 2016
Brexit And The UK State Pension
What effect could Brexit have on expatriate's state pensions? Will they continue to receive the annual inflationary rises once the UK is no longer an EU member?
04 August 2016
A Question Of Residence (Spain)
It is important to understand and comply with the residence rules of Spain. If you intend to live in Spain post Brexit but have not yet officially registered your presence, it may be a good idea to get this sorted now.
01 August 2016
Does Brexit Mean You Need To Review Your Financial Planning In France?
How will Brexit affect expatriates in France from a financial point of view? If you are living in France, now is the time to look at your financial planning to consider if and where you may need to make changes.
22 July 2016
Will Brexit Affect Your Estate Planning In Spain?
Estate planning is a high priority for many of us. Living in Spain makes this more complicated, as you have to deal with foreign rules and also the interaction of two countries' succession laws and tax regimes. So how will the UK's decision to leave the EU affect estate planning in Spain?
Portugal Offers Sun, Sea And Tax Efficiency
With its beautiful scenery and warm climate, there are obvious attractions to living in Portugal. What is not so well known is that it also offers generous tax benefits that outshine many of its European neighbours.
15 July 2016
Brexit And Expatriates' Pensions
One area of concern for British expatriates is how the UK's decision to leave the EU will affect their pensions. How could Brexit affect your state pension? And what about registered pension schemes and QROPS?
Are You Tax Resident In France Or UK?
Tax residency is more complex than people realise – it is not just about day counting. We often meet individuals who think they are resident in one country when in fact they meet the tax residency rules of another. Paying tax in the wrong country can produce a costly shock.
08 July 2016
How Will Your Investment Portfolio Cope With Brexit?
British expatriates often hold on to their UK investments. Many keep on using their UK financial adviser, with the result that their financial planning is often more suitable for a UK resident than an expatriate. This can have unexpected consequences.
Living With Brexit
As the UK prepares to start a new chapter in its history, this has created uncertainty for British expatriates living in the EU. There are many questions and theories about what will happen next, but the process of exiting the EU will take at least two years, maybe longer.
01 July 2016
What Does The Brexit Result Mean For UK Expatriates?
While there is much uncertainty around Brexit, UK expatriates have extra concerns like residency and healthcare. Will it be all change ahead or steady as she goes?
Modelo 720 Proves Profitable
Latest data on the Spanish Modelo 720 regime to target tax avoidance shows it has proved costly for many… and that ignorance is no defence.
Tax-Free Opportunities Await You In Portugal
Thinking about moving to Portugal for a lifestyle change or to soak up some sunshine in your retirement years? Did you know you could also enjoy years of generous tax breaks by moving here?
26 August 2016
Living In Portugal - The Tax and Financial Essentials
Many people fall in love with Portugal and consider making it their home. There are, however, some tax and financial essentials you need to be aware of and plan for if you are to get the best out of living in Portugal.
If you would like further information about upcoming seminars in your area.
Register your interest here»


text:
ST. PAUL, Minn. — Ryane Clowe could breathe easily Thursday.
That wasn't the case the previous night after he was hit in the throat by a puck fired off the stick of Dallas Stars forward Brad Richards, a frightening moment that led to Clowe being taken to a downtown Dallas hospital for testing after he continued to have difficulty breathing.
Scans showed no fractures, however, and he was back on the ice at Thursday's afternoon practice and should be in the lineup tonight against the Minnesota Wild.
"It was a little scary," Clowe said. "I never had that happen before, and when it happened, it was so quick. You just try to get your breath back."
Clowe's availability was one of two positive signs on the injury front for the Sharks as Joe Thornton skated for the first time since crashing awkwardly into the boards in Saturday's game against the Vancouver Canucks. Thornton, however, isn't likely to return to action just yet.
Richards was trying to clear the puck out of his own zone when it struck Clowe just to the right of his Adam's apple.
"I was expecting to try to pick off his pass, but I was so close to him, I didn't think it was going to be that high," Clowe said. "He got it off quick, and I didn't have a chance to do anything."
Clowe's initial reaction was to pursue the puck, thinking he might be in position for a shot on the Dallas goal.
"But I couldn't catch my breath, and then I had trouble breathing when I was getting off," he said. The problem continued on the bench "because I was coughing and puked a little bit."
When Clowe's throat started to swell in the locker room, the decision was made to send him to Baylor University Medical Center for further evaluation.
"It was more a precautionary thing last night than anything," said coach Todd McLellan, who has praised Clowe's effort in recent games and made him an alternate captain in Thornton's absence.
Clowe left the hospital and went directly to the airport where the team's chartered jet was ready to take off for Minnesota.
His voice showed no after-effects Thursday, but he said some soreness remained — "just like having a sore throat after the flu."
Thornton also talked of soreness in the area of his lower-body injury after skating for about 45 minutes, but quickly added that's probably normal for someone in his situation.
The Sharks center, who has been out of the lineup for the first time since coming to San Jose, took it easy his first time back on the ice. Though he took part in a couple of low-key drills, he mostly skated on his own, taking long strides, shifting his weight from one leg to the other.
"We weren't cracking the whip behind him or anything like that," McLellan said. "He needs to be comfortable before we do that."
Thornton did push himself more the longer he was on the ice.
"I started to warm up a little bit, so I guess that's why I went a little bit harder," he said. "At the start it was stiff."
Thornton did acknowledge that missing a few games at this point "might have been a good break for me, though, a good rest. Rest the legs a little bit, rest the body and mind and be charged for the stretch drive."
Asked if he was ready to play, Thornton said, "I have no idea," but his coach left things open.
"The fact that he's on the ice and skating, and skating better than I thought he would, those are all positive signs," McLellan said. "We'll see how he is tomorrow and then make some decisions."
For more on the Sharks, see David Pollak's Working the Corners blog at blogs.mercurynews.com/sharks. Contact him at 408-920-5940.


text:
Common has always been able to move minds with his socially conscious rap, but now he's concerned about moving booties. While the club-ready results (with most beats by the Neptunes) don't match the inspired—and inspiring—heights of 2005's Be or 2007's Finding Forever, it's nice to hear Common cut loose and have some fun. But "Changes" shows he's still got more going on in his head.
DOWNLOAD THIS: "Universal Mind Control (UMC)," a "Planet Rock"-esque electro jam
For more information on where to find our Download This picks, go to people.com/downloadthis