text:
Which sex is the worst about washing up? Why is it so important? We've got the dirty truth on how and when to wash your hands.
Kidney Cyst
In this article
A simple kidney cyst is a round pouch of smooth, thin-walled tissue or a closed pocket that is usually filled with fluid. One or more may form within the kidneys. Simple cysts are the most common type of kidney cyst. They are not the same thing as polycystic kidney disease, which is a progressive disease that can lead to kidney failure. Simple kidney cysts most often do not cause harm.
Simple Kidney Cyst Causes
The cause of simple kidney cysts is not fully understood, but they do not appear to be inherited. Being male is a risk factor, however, as is age: Almost half of all people age 50 or older have one or more simple cysts in the kidneys. The size of these cysts may also increase with age and may double over 10 years.
Simple Kidney Cyst Symptoms
Simple kidney cysts usually do not cause symptoms. In most cases, a doctor finds them during an ultrasound or computerized tomography (CT) scan done for another reason. However, simple kidney cysts may:
- Cause pain in your side, back, or upper abdomen if they enlarge and press on other organs
- Bleed
- Become infected, causing fever, chills, or other signs of infection
- Impair kidney function (rare)
Simple kidney cysts have been associated with high blood pressure, but it is unclear what the relationship is between the two.
Simple Kidney Cyst Treatment
If your cyst does not cause symptoms or complications, you do not need treatment. Your doctor may simply watch your cysts to make sure they don't cause any problems. However, in the rare case that you have symptoms, you may need treatment.
You may have a procedure that involves these steps:
- A doctor punctures the cyst with a long needle inserted through the skin, using ultrasound for guidance.
- The doctor drains (aspirates) the cyst and may then fill the empty pouch with a solution that contains alcohol; this causes the tissue to harden and lowers the chances of recurrence. Scarring down the space within the cyst is called sclerosis.
In some cases, a cyst will return and refill with fluid. Your doctor may recommend surgery that entails general anesthesia and a large incision. During the procedure, the surgeon would insert a thin, lighted viewing tube called a laparoscope and other instruments to drain the fluid from the cyst and remove or burn its outer wall to keep it from reforming.
You may need to stay in the hospital for one or two days following the surgery.
WebMD Medical Reference
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Virtualization Working Group
Bringing up research and development activities in the context of Grid and Cloud Computing around virtualization technology
Please join the Grid'5000 virtualization mailing list (CFP, important publications, events, ...)
The aim of the Virtualization Working Group consists in listing/promoting and pooling the different research and development activities done in the context of the Grid'5000 framework and more generally by the French community around virtualization. The WG is interested by both the use of VM capabilities to deal with scientific and technical challenges and the improvement on the VM technology itself.
Academic Teams Involved (alphabetical order)
- ASCOLA project (Ecole des Mines de Nantes, INRIA Rennes Bretagne Atlantique)
- IRIT (Toulouse)
- MYRIADS project (INRIA Rennes Bretagne Atlantique)
- RESO project (LIP, INRIA Rhones Alpes)
- RUNTIME project (LaBRI, INRIA Bordeaux - Sud-Ouest)
Research activities conducted by the Grid'5000 community
Research Project
Green Open Cloud
The Green Open Cloud project supported by the RESO team explores the analysis and design of energy aware Clouds infrastructures.
- Status: in progress
- Contact: Anne-Cécile Orgerie - Laurent Lefèvre
- Homepage: http://perso.ens-lyon.fr/annececile.orgerie/clouds.html
- Availability: in near future
HIPcal (ANR-06-CIS6-005) studies a new paradigm (grid substrate) based on confined virtual cluster concept for resource control in grids.
- Status: in progress
- Contact: Pascale Vicat-Blanc Primet (project leader)
- Homepage: http://www.ens-lyon.fr/LIP/RESO/Projects/HIPCAL/ProjetsHIPCAL.html and the wiki page.
- Availability: in near future
OSCAR-V aims at providing tools for the creation, the deployment and the management of virtual machines and HostOSes within a cluster.
- Status: in progress (some parts of the project being already in the up-stream version of OSCAR (http://oscar.openclustergroup.org/) + INRIA equipe associee named SER-OS for the integration of OSCAR-V tools with G5K/Aladdin tools.
- Contact: Geoffroy Vallee
- Homepage: http://www.csm.ornl.gov/srt/oscarv/
- Availability: partially available via OSCAR (especially via the "unstable" repository)
Entropy is a virtual machine manager for clusters. It acts as an infinite control loop, which performs a globally optimized placement according to cluster resource usage and scheduler objectives.
- Status: production for release V1.0 - Experimental for v1.2
- Contact: entropy contact
- Homepage: http://entropy.gforge.inria.fr
- Availability: Please refer to https://www.grid5000.fr/mediawiki/index.php/Kentropy for the g5k usage.
HIPerNet software is developed, by the RESO team, in the context of the HIPcal project (ANR-06-CIS6-005). HIPCAL studies a new paradigm (grid substrate) based on confined virtual cluster concept for resource control in grids. In particular, we propose to study and implement new approaches for bandwidth sharing and end to end network quality of service guarantees. The global infrastructure (computers, disks, networks) partitioned in virtual infrastructures (aggregation of virtual machines coupled with virtual channels) is dynamically composed. These virtual clusters are multiplexed in time and space, isolated and protected. The goal of this project is to explore an approach in a break with current services-oriented principles developed in grids to jointly enhance the application portability, the communications performance control and their security. The project aims at providing a grid substrate based on end to end bandwidth reservation, control overlay, network and system virtualization, cryptographic identification principles.
- Status: in progress
- Contact: Olivier Mornard - Fabienne Anhalt - Philippe Martinez - Guilherme Koslovski - Jean-Patrick Gelas - Pascale Vicat-Blanc Primet (project leader)
- Homepage: http://www.ens-lyon.fr/LIP/RESO/Software/hipernet
- Availability: Development versions available under request.
JASMINe VMM
JASMINe VMM aims at offering a unified Java-friendly API and object model to manage virtualized servers and their associated hypervisor.
- Status: in progress
- Contact:
- Homepage: JASMINe VMM
- Availability: Refer to the JASMINe website
VIDA (VIrtual Deployment Architecture) is an ongoing project which aims at creating a SOA based infrastructure for the deployment and management of virtual clusters (VCs).
- Status: in progress
- Contact:
- Homepage: JASMINe VIDA
- Availability: Refer to the VIDA website
VMdeploy is a shell script that deploys VMware virtual machines on grid nodes, allowing the users to run their scripts into the virtual machines. VMdeploy has the capability to reserve nodes either as soon as possible (interactive) or when resources are idle (besteffort).
- Status: experimental
- Contact: Jérôme Gallard
- Homepage: https://www.grid5000.fr/mediawiki/index.php/VMdeploy
- Availability: mainly tested at Rennes (Paravent) and Sophia (Azur)
Virtualization support for OSCAR. OSCAR-V provides a set of tools and package that allow users to deploy virtualized cluster, i.e., virtual machine within a physical cluster.
- Status: in progress
- Contact: Stephen L. Scott - Geoffroy Vallee
- Homepage: http://www.csm.ornl.gov/srt/oscarv/ OSCAR-V
- Availability: Partially available via the OSCAR repositories.
SVMSched (Smart Virtual Machine Scheduler) is a tool enabling and easing the set-up of on-demand SaaS and PaaS cloud infrastructures on top of OpenNebula. Providing an high-level abstraction of virtual machines, along with a high-capability of dynamicity and customization introduced in the provisioning of virtual machines it enables powerful and flexible resource management capabilities to schedule service execution.
- Status: in progress
- Contact: Rodrigue Chakode
- Homepage: https://gforge.inria.fr/projects/svmsched/
- Availability: SVMSched is also available from the OpenNebula Ecosystem Catalog.
Snooze is a scalable, highly available, and energy-efficient virtual machine (VM) management system. Particularly, it allows users to build compute infrastructures from virtualized resources and manage a large number of VMs. For scalability and high availability, Snooze is based on a self-configuring and healing hierarchical architecture. For energy efficiency, Snooze provides a holistic energy management approach via integrated VM resource (i.e. CPU, memory, network) utilization monitoring, server underload/overload mitigation, VM consolidation, and power management. It can be used either to manage production data centers or serve as a research testbed to experiment with advanced VM management algorithms (e.g. VM consolidation).
- Status: Latest stable version is v1.0.0
- Contact: Eugen Feller
- Homepage: http://snooze.inria.fr
- Availability: https://www.grid5000.fr/mediawiki/index.php/Snooze_on_Grid%275000
|Fabienne Anhalt
|Network virtualization and Virtual Routers
|François Diakhaté
|Efficient Shared Memory Message Passing for Inter-VM Communications.
|Eugen Feller
|Autonomic and Energy-Efficient Management of Large-Scale Virtualized Data Centers
|Jérôme Gallard
|Ddeploying and managing virtual machines in Grids.
|Fabien Hermenier
|Dynamic Management of Virtual Machines in clusters
|Guilherme Koslovski
|Virtual Resources and Interconnection Networks Description Language
|Hien Nguyen Van
|SLA-aware virtual resource management for service hosting platforms.
|Anne-Cécile Orgerie
|Energy awareness in Clouds infrastructures.
|Anne-Cécile Orgerie
|Jonathan Pastor
|Design and Development of a fully distributed IaaS system.
|Jonathan Pastor
| http://www.emn.fr/z-info/ascola/doku.php?id=internet:members:jpastor:overview
|Rémy Pottier
|DSL for VM Management
| http://www.emn.fr/z-info/ascola/doku.php?id=internet:members:rpottier:overview
|Flavien Quesnel
|Toward Cooperative Management of Large-scale Virtualized Infrastructures: the Case of Scheduling.
|Flavien Quesnel
|Alain Tchana
|Migration of virtual machines in distributed architectures (focus on MPI applications)
|Rodrigue Chakode
|Computing On-demand: Scheduling within virtual infrastructures, Dynamic resource allocation, Dynamic and automatic reconfigurability of computing environments, etc.
|INRIA Mescal Team
Other Research Project / Software
Nimbus is an open source toolkit that allows you to turn your cluster into an Infrastructure-as-a-Service (IaaS) cloud.
- Status: in progress
- Contact:
- Homepage: http://www.nimbusproject.org/
- Availability: Please refer to the website
OpenNebula is a Virtual Infrastructure Manager that orchestrates storage, network and virtualization technologies to enable the dynamic placement of multi-tier services (groups of interconnected virtual machines) on distributed infrastructures.
- Status: in progress
- Contact:
- Homepage: http://www.opennebula.org/
- Availability: Please refer to the website
VirtuaLinux is a Linux meta-distribution that allows the creation, deployment and administration of virtualized clusters with no single point of failure. VirtuaLinux architecture supports disk-less configurations and provides an efficient, iSCSI based abstraction of the SAN. Clusters running VirtuaLinux exhibit no master node to boost resilience and flexibity.
- Status: in progress
- Contact:
- Homepage: http://virtualinux.sourceforge.net
- Availability: Please refer to the website
The GriVon project (i.e., AIST cloud computing research) aims to develop a novel management framework for distributed computing resources among multiple datacenters. It covers cluster virtualization, datacenter migration, and Green IT initiatives.
- Status: in progress
- Contact:
- Homepage: http://grivon.apgrid.org/
- Availability: Please refer to the website
Useful Links
- Virtualization Newbies Site
- Xen documentation pages
- Deploy a virtualized environment on Grid'5000
- Using vm5k to deploy a large number of virtual machines
- IaaS on Grid'5000
- VMWare and Kadeploy (still up to date ?)
- Cloud computing for dummies (video)
- Workshop on adapting applications and computing services to multi-core and virtualization at CERN (June 2009)
- Xen Directions Europe 2009 (June 2009)
Main events
- ACM SIGPLAN/SIGOPS International Conference on Virtual Execution Environments (VEE)
- ACM SIGMOD/SIGOPS International Conference on Cloud Computing (SOCC)
- Workshop on Virtualization Technologies in Distributed Computing (VTDC)
- ACM Workshop on System-level Virtualization for High Performance Computing (HPCVirt) -- HPCVirt 2007, HPCVirt 2008, HPCVirt 2009
- Workshop on Virtualization in High-Performance Cloud Computing (VHPC)
Bibtex Archive
Please join the virtualization working group on citeulike http://www.citeulike.org/groupfunc/11707/home
The first objective of this citeulike group consists in : listing all important (or less important) papers around virtualization technologies. Each engineer/researcher (interns / phd student, post-doc, permanent, ...) can add new references and thus improve the list. The second objective is to maintain a bibtex file as complete and as clean as possible (editor, year, page, ....) for the community. Such a file will be really useful to write papers in the principal conferences/journals.
For each new entry, please give the different informations :
- Title: only the first letter should be uppercase - Authors: the list should be as complete as possible - Booktitle - Editors - Pages number - Year - Location
The bibkey should rely on the following scheme : firstauthorname:confXX where XX stands for the year (ex : martin:ccgrid09)
Please try to find the best tags from the available ones and add report or workshop or conference as th main tag

subset: commoncrawl


text:
View the original article at: http://www.countryweekly.com/news/brad-paisleys-wheelhouse-debuts-no-1-country-chart
They say sex sells, but controversy does pretty good, too.
Brad Paisley grabbed all sorts of headlines—both good and bad—for his latest album, Wheelhouse, which includes the controversial collaboration with LL Cool J "Accidental Racist."
Brad sold 100,000 copies of the album [1], good enough for No. 1 on the country chart, his seventh topper on that chart.
But Brad still hasn't scored a No. 1 on the all-genre Billboard 200 chart, finishing second this time to Nashville pop-rock band Paramore, which sold 106,000 copies of its new album, Billboard reports.
Brad shares the Top 10 of the Billboard 200 with several country cousins.
Blake Shelton sold another 61,000 copies of Based on a True Story . . . for the fourth spot. And Eric Church's new Caught in the Act: Live album debuts at No. 5, also selling around 61,000 copies but just shy of Blake's total.
At No. 6, the Band Perry sells 56,000 more copies of its latest, Pioneer.
[1] http://www.billboard.com/articles/news/1558368/paramore-earns-first-no-1-album-on-billboard-200-chart
[2] http://www.countryweekly.com/news/tatenation-propels-career-tate-stevens
[3] http://www.countryweekly.com/news/kenny-chesney-thinking-about-security-boston-shows


text:
Naomi Grace Propst, 64, of Franklin, passed away at her home Monday, March 11, 2013.
Funeral services will be at 11 a.m. Friday at Kimble Funeral Home Chapel in Franklin. Burial will be at the Cedar Hill Cemetery in Franklin. Friends may call at the funeral home from 6 to 8 p.m. Thursday.
520 Railroad Ave. , Elkins, WV 26241 | 304-636-2121
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text:
Take a sneak peek at the new NIST.gov and let us know what you think!
(Please note: some content may not be complete on the beta site.).
National Research Council Postdoctoral Fellowships
We are looking for young researchers who have experience or interest in one of the following areas:
For an introduction to our research, see: Atomic Spectroscopy Group
We have provided a link to these sites because they have information that may be of interest to our users. NIST does not necessarily endorse the views or the facts presented on these sites. Further, NIST does not endorse any commercial products that may be advertised or available on these sites. By selecting these links, you will be leaving NIST webspace.


text:
There is a saying on Wall Street that investors are constantly climbing a wall of worry. Judging by the market's strong start to the new year (with the S&P 500 Index up 3.22%), investors are falling off of that wall in mirth and merriment.
We, however, see no reason for exuberance. Yes, Congress avoided the fiscal cliff, but only by agreeing once again to come to an agreement on the hard choices in several months' time. And, yes, non-farm payrolls grew in December despite all of the uncertainty in Washington.
Perhaps we downloaded the wrong pdf file from the Bureau of Labor Statistics (BLS) website. The report we reviewed and studied made us want to have a few stiff drinks and not partake in a celebratory mood. We hardly call a 155,000 increase in non-farm payrolls strong and steady growth. Month-over-month, payroll growth is a scant 0.12%. Year-over-year, growth at 1.39% is hardly more encouraging. Rather, December's report (and, October's and November's) suggest the labor market is at stall speed. What employment growth there is, is barely sufficient to offset civilian labor force growth. If it were not for the long-term unemployed giving up and exiting the labor force, the unemployment rate would be higher than the 7.8% reported for December.
December's pace is no "Goldilocks" number. True, at this slow pace, the Federal Reserve will probably be compelled to keep interest rates low — helping to prop up share prices — for some time to come. Cynics and wags though may joke that if the stream of the unemployed leaving the labor force continues at the current pace, the Fed may find the unemployment rate hits its target of 6.5% sooner than imagined.
Since the Great Recession's trough (dated by the National Bureau of Economic Research at June 2009), employment (as measured by the household survey) has grown by 2.2 Million or 1.6%. Over the same forty-two months, the civilian labor force has contracted by 1.0 Million workers (0.7%). Meanwhile, the civilian non-institutional population has expanded 8.7 Million (3.7%).
What explains the disparity in the numbers? Our working hypothesis is that legions of the long-term unemployed have ceased looking for employment; and, by the definitions used by BLS economists, have exited the labor force. Those who could retire accepted whatever inducement was offered. And, others claimed disability. Individuals, aged 16 and older, who are not either employed or actively seeking employment (and, by definition not in the labor force) has surged 9.7 Million (12.2%).
Contrast these trends to the same trends in months after the trough of the 1982 downturn. Before there was the Great Recession, there was the 1981 to 1982 downturn. It remains the most severe post-war economic contraction (as measured by the unemployment rate) in U.S. history. In November 1982, at the recession's trough, the unemployment rate stood at 10.8%; in contrast, high water mark for the unemployment rate in the Great Recession was 10.0%.
Forty-two months later the differences between the two contractions are pronounced. By May 1986, the labor force had expanded by 6.3 Million (5.4%) as employment spiked by 9.7 Million (8.9%). Individuals not counted in the labor force grew by just 0.9 Million (1.4%). Further, the majority (99%) of those gaining employment secured full time jobs (more than thirty-five hours per week). In the aftermath of the Great Recession, less than one-half (48%) of the new jobs are full-time positions. The difference between the experience of two generations — the Baby Boomers and their offspring, the "Millennials" — could not be starker, despite the palaver of politicians who see progress in the numbers.
So, you may ask yourself, What is an investor to do? Worry, perhaps.
Notes on Sources and Methods:
All statistics cited based on non-seasonally adjusted series.
The civilian non-institutional population is the population over age 16 that is not in the military or confined to a criminal or mental institution.
The civilian labor force is a sub-set of the population defined as individuals over age 16 employed full-time (>>35 hours per week) or part-time (<35 hours per week), or, who are unemployed but are actively engaged in seeking employment.
The population age 16 and over not employed or seeking work are categorized as not in the labor force.
The S&P 500 Index is widely regarded as the best single gauge of the large cap U.S. equities market since the index was first published in 1957. It is a market capitalization weighted index of the performance of 500 stocks which S&P believes are representative of the U.S. equity market. You cannot invest in an index.
Recession trough dates estimated by the National Bureau of Economic Research (NBER).
(Source: Bureau of Labor Statistics; Lipper; NBER; AIFS estimates.)
About American Independence Financial Services, LLC
American Independence Financial Services, LLC ("AIFS") is the investment adviser and administrator for the American Independence Funds and the NestEgg Target Date Funds. The firm is a limited liability company founded in 2004.
Important Disclosures
© 2011, American Independence Financial Services (AIFS). All rights reserved. Redistribution and quotation permitted with attribution to the author and source.
The views expressed in this document are based on political, market, economic and other conditions subject to change at any time. Data are acquired from sources believed to be reliable. But no warranties are made to the accuracy, completeness or timeliness of the data and information presented. Opinions expressed are those of the author unless indicated to the contrary. Nothing in this document should be construed or taken as financial or investment advice. Please consult with your financial advisor to discuss how the subject of this research report may impact your unique, individual circumstances.
Certain indices, yields, exchange rates and other market and economic statistics may be quoted or mentioned in this report. You can not invest directly in an index; nor can you obtain many of the other yields or rates quoted. Please bear in mind such indices and other statistics do not include many of the expenses associated with investing in securities including (but not limited to) trading costs, custodial fees and management fees. All index results cited in this document reflect returns including the impact of re-invested dividend or interest payments expressed in US Dollar terms unless noted to the contrary.
Investors should understand and consider these and other risks they may face by investing in the Funds. These risks are discussed more fully in the Funds' prospectus. Investors are encouraged to read the prospectus.
For more complete information on the American Independence Funds, you can obtain a prospectus containing complete information for the funds by calling 1-866-410-2006, or by visiting www.aifunds.com. Please read the prospectus carefully before investing. You should consider the fund's investment objectives, risks, charges and expenses carefully before you invest or send money. Information about these and other important subjects is in the Funds' prospectus.
Income taxes may be due on all or a portion of the interest, dividends or capital gains received or realized through an investment in a mutual fund. Please consult with your tax advisor to discuss how different investments may affect your tax liability.
Shares of the American Independence Funds are distributed by Matrix Capital Group, Inc., which is not affiliated with American Independence Financial Services, LLC.
Not FDIC Insured - May Lose Value - No Bank Guarantee


text:
Definition of Raman effect in English:
Raman effect
noun[mass noun] Physics
A change of wavelength exhibited by some of the radiation scattered in a medium. The effect is specific to the molecules which cause it, and so can be used in spectroscopic analysis. Compare with Rayleigh scattering.
Example sentences
- The Raman effect arises from the inelastic scattering of radiation in the visible region by molecules.
- The Raman effect is extremely pronounced in silicon, though it isn't in fiber materials, Paniccia said.
- Consisting of a silica core covered by a metallic shell, the nanoshells capture and focus the passing light, enhancing the Raman effect.
For editors and proofreaders
Line breaks: Raman ef¦fect
Definition of Raman effect in:
What do you find interesting about this word or phrase?
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= trending


text:
I am hoping to start a new thread for those of us who are currently pregnant. While I am so lucky to be where I am, sometimes I feel very alone, and though I shouldn't complain some days it is a bit hard, and I want to share some of the troubles, lol! I'd love to have an on going thread with other over 40s who are going through pregnancy. As we all know, it is not exactly relaxing when you are older, there are more hopes, fears, and risks, tests, negative comments and varicose veins! Or are the veins just me?! See this is why I need to start this thread!
And I don't want to be bitching on the weekly thread because I AM grateful for what I have, just...tired and scared sometimes. So anyone want to share?


text:
The new 'Infinity Blade FX' arcade game is set to make its debut at this week's 2011 Gaming and Electronics Expo (GEEX) in Salt Lake City, UT. The game will be available in the US nationwide at Dave & Buster's restaurant/entertainment complexes starting October 28.
Adrenaline Amusements in partnership with Epic Games, Inc. and its award-winning development studio, ChAIR Entertainment, today announced 'Infinity Blade FX,' the coin-up version of the blockbuster video game 'Infinity Blade' will be released nationwide this month.
The 46-inch arcade game will be playable at GEEX Consumer Expo in Salt Lake City, UT, October 14-15, 2011 at South Town Center Booth #423. 'Infinity Blade FX,' both in its single player and two- screen multi-player configuration will be playable across Dave & Buster's 57 restaurant/entertainment complexes by October 28, 2011.
Adrenaline marketing leader, Marc-Antoine Pinard added: "Like 'Fruit Ninja,' TouchFX versions of 'Infinity Blade FX' will also be seen in FEC, arcade, and amusements park locations around the world."


text:
Old Town Commercial Association
Business Directory
Real Estate
About Us
for Visitors
for Businesses
Welcome Visitors
Monthly e-Newsletter
Newsletter Sign-Up Form
Walking Tours
4-3-50 Project
June 2016
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April 2015
for Visitors Bottom
Old Town Directory
Photo Gallery
Real Estate
September 2011
Old Town's 6th Annual Oktoberfest
September 27, 2011
On Friday, October 7th from 6 to 11 p.m. and Saturday, October 8th from 2 to 11 p.m., Old Town Lansing will transform into a two-day, German celebration, complete with polka music, authentic beer, food and entertainment. Now in its sixth year, the Old Town Commercial Association (OTCA) presents Mid-Michigan's largest German-style Oktoberfest.
Read more...
Inspired by Japan, Relief for Relief
September 16, 2011
LANSING, Mich. - A sale of original woodblock prints to benefit Japan's Tsunami Victims created by artists from around the world. The Baren Forum, an on-line resource connecting Woodblock print artists from around the world (www.barenforum.org/japan) is raising money to benefit Japan as they recover from the March 11, 2011 tsunami and earthquake.
Read more...
Turner-Dodge House Presents Gallery Walk "Estate Sale"
September 16, 2011
Turnder-Dodge House will be presenting a large collection of art works dating from the 18th-20th century, which have been donated as a fundraising project to benefit the organization. Included in this show and sale are prints, oil paintings, drawings and lithographs which include but are not limited to Japanese woodblock prints, Chinese paintings, 18th century English architectural prints, and also feature is a selection of antique and collectible jewelry, silver, glass, books and small furniture items.
Read more...
Old Town Announces Mural Program
September 9, 2011
LANSING, MI. – The Old Town Commercial Association (OTCA) announced a new program earlier this week called Art Spot, a public art series that will turn what is currently a public and private alley used for parking and pedestrians into an outdoor gallery. "This is a project that the Design Committee and several property owners in the community have been passionate for some time," said Brittney Hoszkiw, executive director of the association. Now, through a grant through the Capital Area Community Foundation, those plans will become a reality.
Read more...
Oktoberfest, a Great Way to Meet the Community
September 7, 2011
Friday October 7 from 6 to 11 p.m. and Saturday October 8 from 2 to 11 p.m., Old Town will transform into a two-day, German celebration, complete with polka music, authentic beer, food and entertainment. Now in its sixth year, the Old Town Commercial Association (OTCA) presents Mid-Michigan's largest German-style event.
Read more...
Old Town BluesFest 2011
September 7, 2011
It's September and BluesFest is back again to bring Mid-Michigan another exciting free two day music festival. Every year the Old Town BluesFest attracts 15,000 attendees from across the city, state and region.
Read more...
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text:
HealthLink On Air radio show – July 28, 2013
Certified nurse midwife Heather Shannon, NP, explains how women can have vaginal births after Cesarean deliveries. Kaushal Nanavati, MD, shares his four pillars of wellness. Respiratory therapist Joseph Sorbello talks about chronic obstructive pulmonary disease with a Central New York man who has it. Also, registered dietitian Terry Podolak presents "Health Eats," and Deirdre Neilen, PhD presents "The Healing Muse."
Podcast: Play in new window | Download


text:
Researchers Wrestle with When to Make...
From our September 1 Issue: We're...
The Poisons and Venoms of Organisms...
From the Quagmire to Savior and...
Zhejiang Jingxin Pharmaceutical negotiated exclusive rights to Evotec's Phase II-stage insomnia candidate EVT 201, for development and marketing in China. Evotec will receive what it calls a small up-front fee, plus commercial milestones and significant royalties.
Jingxin Pharma aims to start clinical trials with EVT 201 in China in 2011. The firm will shoulder all development costs. Evotec will have have the right to access and reference clinical data produced by Jingxin Pharma to support potential further development of EVT 201 in other territories.
EVT 201 is a GABAA receptor partial positive allosteric modulator. Evotec has previously carried out two Phase II trials with the drug. It says the results showed that treatment with EVT 201 significantly improves sleep onset and maintenance measures.
Despite the positive Phase II data, Evotec had put further development of EVT 201 on hold until it could find a partner to share the financial commitment. This has not been a speedy process, however, and in its 2009 annual report, Evotec called the failure to partner EVT 201 during 2008–2009 one of the "lowlights" of the year.
"Jingxin Pharma is an enthusiastic partner keen to develop EVT 201 for China as the major emerging pharmaceutical market," Werner Lanthaler, Ph.D., Evotec CEO, now remarks. "This deal allows, finally, the further progression of Evotec's insomnia program and therefore represents an important step in realizing the drug candidate's intrinsic value."
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text:
TBS6284 is a Quad tuner PCI-Express interface DVB-T2/T TV Tuner Card which supports watching or recording four different channels from four different frequencies simultaneously. TBS 6284 can be used as a digital video recorder for recording digital terrestrial TV programs with full HDTV support. It also enables you to pause a live broadcast and continue from where you left with the Time-shifting function. This DVB T2 PC TV card is ready with windows BDA driver and Linux driver. It's ideal for watching UK Freeview SD and HD channels on your PC.
Please ensure you can receive the Digital Terrestrial Television (DVB-T, DVB-T2,Freeview) service in your region. The TBS 6284 requires you use a high-gain roof aerial to enable and enjoy reliable Digital Television reception throughout the UK.
Main Features:
1. Quad Channel Receiving Simultaneously
2. Both DVB-T2 and DVB-T are supported
3. High-Definition Video, Real-Time and Scheduled Video Recording
4. High Sensitivity DVB-T2 Quad Tuner for The Best Digital TV Reception
5.Windows BDA Driver and Linux Driver Ready
1. Receiving Channel: VHF Band and UHF Band
2. Channel Bandwidth: 6, 7, 8 MHz
3. DVB-T2/ T Modulation Type: QPSK, 16QAM, 64QAM, 256QAM
4. FFT Mode: 1K, 2K, 4K, 8K, 16K, 32K
5. Code Rate: 1/2, 3/5, 2/3, 3/4, 4/5, 5/6, 7/8
6. Guard Internal:1/4, 1/8, 1/16, 1/32, 1/64, 1/128, 19/128, 19/256
7. Intermediate Frequency
IF mode: Low IF
Center IF Frequency: 3 ~ 5 MHz
Note: default 4MHz
8. RF-Input Impedance 75O (IEC-DIN female)
9. RF-Output Impedance 75O (IEC-DIN male)
System Requirements:
1. Windows XP / Vista/ 7, Linux
2. Pentium 4 2.0 GHz, Pentium M 1.3 GHz
3. For HDTV: 2.6 GHz multi core processor
4. Hard disk with min. 1 GB free capacity
5. Sound and graphics card with support for DirectX 9 or higher
6. Available PCI Express x1,x4, x8 or x16 slot
7. CD/DVD drive for software installation
Package Contains:
1 x PCI-E DVB-T2 Quad Tuner card
1x Remote control
1x IR receiver
1x Pass Through Cable
1x Aerial
1x Software CD


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TO§HE§ are a four piece band based in London. Born in a basement near a North Wembley industrial estate, they brought their different influences to create a unique sound.
The band is composed of bassist Jeff, drummer Pete and guitarists Max and PM who also serves as the bands lead vocalist. They are inspired by many styles of music including Metal, Blues, Funk and Psychedelic Rock to name but a few.
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Venue Facts
Venue: The Water Rats
Website: thewaterratsvenue.london
Phone: 020 7833 3312
→ Kings Cross 6 min walk
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→ Kings Cross 6 min walk


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Chris Hogan is the vice president of pharmacy management at Blue Cross Blue Shield of Arizona. He is responsible for formulating clinical pharmacy policy, establishing and maintaining the national pharmacy network and managing relationships with pharmaceutical manufacturers and claims processing vendors. Chris was the vice president of sales for United Drugs, and a department director at Phoenix Memorial Hospital. He is a member of the Academy of Managed Care Pharmacy and the Arizona Pharmacy Association, who presented him with the Bowl of Hygeia Award for community service in 2004. Chris received a bachelor's degree in pharmacy from the University of Arizona, a master's in business administration from the University of Phoenix and a graduate certificate in nonprofit leadership and management from Arizona State University.
Charlie Horn, the founder of ScriptSave, has founded several successful businesses in the consumer health benefits industries. ScriptSave is a national company that creates and manages customer retention and acquisition programs for retail pharmacies, insurers, employers and drug manufacturers. Charlie is also majority shareholder and chairman of the Phoenix-based Ternian Insurance Group, a nationally recognized leader in the medical and supplemental health insurance business, providing uniquely designed and priced products for the underinsured population. He and his wife, Patty, founded and chair The Touchstone Foundation, which provides funding to a variety of healthcare and family service charitable organizations in Arizona.
Richard Katz has been the chief executive officer of ModernHEALTH companies since he began the company in 1975. ModernHEALTH sells specialty pharmacy products and services to healthcare providers and users. Currently, the company specializes in prescription services for disease-payment and service-specific needs. Richard completed a master's in public administration from the University in Southern California in 1973. He also has a bachelor of science in pharmacy from the University of Arizona. He is a member of the National Community Pharmacists Association and the American Pharmaceutical Association. He became president of the College of Pharmacy National Advisory Board in 2009.


text:
Schonbek Lighting 5090 La Scala Empire 11 Light Chandelier
Schonbek Lighting 5090 is a 11 Light Chandelier that come in an array of sleek finish and crystal options; crystals of Optic Handcut, Heritage Handcut and a variety of Swarovski Elements crystal colors are among your choices. From the La Scala Empire Collection, a rendition of Schonbek's La Scala Collection, this chandelier is reminiscent of Empire style lighting. Empire style is an early 19th Century design movement; the crystal basket of woven chains of octagons and the classic crystal shapes date back several centuries. Although the design is very conventional in its design scheme, the crystal colors are 21st Century sparkles of Swarovski Elements.
Model No.: 5090-22O
Number of Bulbs: 11
Length: 25.5"
Room: Foyer, Kitchen, Dining Room, Great Room
Collection: La Scala Empire
Bulb Wattage: 40W
Finish: Optional
Height: 48"
- Schonbek Lighting 5090-22O
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Want to bring a punk rock sensibility to your Halloween costume? Then you can't go wrong with this outfit! Take a look at our Girls Funky Punky Bones Costume today and get in a colorful look to show your bones in style!With a neon rainbow dress, sleevelets showing the colorful arm bands and a lovely pair of footless tights, you'll have just about everything you need for an adorable costume! Pick up our Girls Funky Punky Bones Costume today!
Available in Sizes:
Small, Medium and Large
Item Includes:
Dress, Sleevelets, Tights
Pictured items not included:
Dress: Polyester; Tights: Nylon.
Care Instructions:
Hand wash separately, cold water. Line dry. Do not use bleach. Do not iron.
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Girls Funky Punky Bones Costume


text: The zine libary is open 7 days a week from 11-7 at Plan B, but twice a week we have scheduled zine borrowing hours. During zine borrowing hours, there will be a collective member there who can sign out zines, help find zines, and help with the photocopier. Borrowing hours are Sundays 2-5 and Tuesdays 5-7.


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Tornado Warnings Pass With No Tornados
Despite multiple tornado warnings across the eastern region of Japan today, no twisters formed.
As of 6 p.m. JST, the last tornado warning — for the northern part of the Izu peninsula — was lifted. By that time, the Tokyo sky had cleared, leaving only clouds and the picturesque beginnings of sunset.
However, there is still a warning for strong winds and lightning in effect in Tokyo until 7 p.m. Ibaraki, Saitama, and Tochigi prefectures have similar warnings, which are in effect throughout the night.
Meanwhile, the heavy rain seems to be enough of an issue. People in Tsukuba, Ibaraki prefecture, who are already dealing with damage from Sunday's tornado, were left wary about whether the rain might cause further damage. Yokohama station, meanwhile, was flooded by the heavy rain, with roads in front of the entrances flooded with several centimeters of water. Hail about one centimeter in diameter also came down on the station at around 2 p.m.
The Japan Meteorological Agency's forecast calls for sunny and cloudy skies on Friday and the coming weekend in the Japanese capital.


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Can a I keep a Draggonette with a Goby in a 90 gallon?
Green Mandarin Draggonette With Yellow Prawn Goby?
Started by RedTail123 , Mar 23 2012 12:38 AM
2 replies to this topic
Posted 23 March 2012 - 12:38 AM
Posted 23 March 2012 - 08:02 AM
the only thing I know about Mandarins is that they need a VERY mature tank, due to their dietary requirements. If the tank hasn't been set up for ......some say a year, then there is a risk of starvation.
Posted 23 March 2012 - 02:05 PM
Can a I keep a Draggonette with a Goby in a 90 gallon?
A 90g is a good size for a dragonette. Now, the tank should really be mature with a large pod population if you want the dragonette to thrive. Many even with tanks this size, setup refugiums to grow pods to feed the dragonette. It's a great fish, you just have to see to its dietary needs. You also can't trust a lfs's word that it'll eat other types of food. You need to actually observe it eat. Never buy a dragonette without observing it eat.
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RBC's CEO Says Blankfein is a Socialist
By Alistair MacDonald
Goldman Sachs CEO is a socialist, Gordon Nixon, the CEO of Royal Bank of Canada, said on Wednesday.
Mr. Nixon was imagining newspaper headlines after Lloyd Blankfein told an audience in Toronto that he was, in fact, not a socialist.
The exchange began after Mr. Blankfein launched into a passionate discourse over how the U.S. has become good at creating wealth but not redistributing it.
"The two goals of a financial system and an economic system … should be to expand the wealth of the world and to distribute it fairly," he said during a question-and-answer session with Mr. Nixon. "In the United States, over the last generation or two, we have been much better at generating wealth and much less good at distributing it."
At that point, Mr. Blankfein, who earned some $16.1 million last year, felt the need to tell his audience he isn't a socialist.
"I am not saying… I am a socialist. I am not," he said, stressing he doesn't believe in wealth distribution over production.
Mr. Blankfein, who'd been answering a question from Mr. Nixon on recent social dissatisfaction, such as the Occupy movement, said that when the wealthiest country in the world has unfair wealth distribution, "you won't have a stable society."
He added that bankers must play their part. And he said he believes there needs to be a proper conversation about these issues, though this dialogue has yet to happen given the economic difficulties of the past four years.
Goldman Sachs is often portrayed as the archetype of the aggressive investment bank and was once likened to a "vampire squid," a term that appeared to hit a nerve with Mr. Blankfein when it emerged in 2009.
What bankers need to do is regain public trust, he said. Then maybe, "in the next two hundred years, people will start to trust us" again, he said.


text:
2013 Press Releases
- Volunteer Completes FMH Chaplaincy Training Program
- Charity Summit Loafers for a Cure Deadline Approaching
- Franklin Health Stress Reduction Program Starting in January
- FCHN Board of Directors Votes to Join MaineHealth.
- Winter Windfall Raffle Tickets on Sale
- Dr. Benoit Blondeau Joins Franklin Health Surgery
- Winterkids goal training scheduled for December 19
- Participate in the Sugarloaf Summit Snowshoe Shuffle
- Regina Stefanelli Achieves Certification in Healthcare Compliance
- FMH Remembrance Tree Bulbs Honor Loved Ones
- Susan Davidson Appointed Lead Physical Therapist
- Franklin Memorial Hospital Hosting Information Sessions on the Health Insurance Marketplace
- FCHN Hosts Departmental Basket Contest to Raise Funds for United Way
- On-Premise Alcohol Sellers Training Happening Dec. 5
- FMH Expands Services with Vascular Clinic
- Health Network Announces New Board Members
- FMH Earns "Top Performer on Key Quality Measures®" Recognition from The Joint Commission
- Franklin Memorial Oncology Services Welcomes Dr. Gregory Emmons
- Franklin Memorial Hospital Awarded "A" Grade by Hospital Safety Score
- Healthy Community Coalition Offering Responsible Beverage Server Training
- Healthy Community Coalition Adds Let's Go! Program
- NorthStar Establishing Community Paramedicine Pilot Project
- FMH Announces First-ever Certification of its Pulmonary Rehabilitation Program
- Coalition Releases Flu Shot Schedule
- Healthy Community Coalition to Provide Breast Health Outreach
- Franklin County Selected as Finalist for RWJF Roadmaps to Health Prize
- Franklin Community Health Network Hosts Annual Meeting
- Wilson Lake Benefit Golf Tournament Nets $1,522
- Medical Providers and Health Services at Farmington Fair
- Hospital Auxiliary to Sell Raffle Tickets at the Fair
- Residents Invited to Attend Annual Meeting
- Synergy Benefit Concert Happening September 14
- Annual Healthcare Golf Classic Nets $25,000
- Franklin Health Stress Reduction Program Offered
- Healthy Community Coalition Mobile Health Unit Outreach
- Physician Joins Franklin Health Women's Care
- Pediatrician to Join Franklin Health Pediatrics
- Local Youth Kick off Public Awareness Project
- Healthy Community Coalition Mobile Health Unit Outreach
- Franklin Memorial Named Among the Nation's Most Wired Hospitals, Again!
- Healthy Community Coalition Mobile Health Unit Outreach
- Franklin Memorial Hospital Caregiver of the Year Announced
- Ryder Receives Legislative Sentiment
- Field Hockey Tournament to Benefit Webber Breast Care Center
- Franklin Health Internal Medicine Earns National Recognition for Patient-centered Care
- Scenes From the Community Tea
- Thirty-six Employees Recognized for Professional Development
- Employees Donate to Franklin County Animal Shelter
- Employees Raise $562 for Care and Share Food Closet
- FMH Auxiliary Donates $10,000 to Hospital
- Annual Healthcare Golf Classic Taking Place July 14–15
- Healthy Community Coalition Mobile Health Unit June Events Schedule
- FCHN Volunteers Honored
- Health Career Scholarship Awards Announced
- Rangeley Fire & Rescue Honors NorthStar Employees
- Medical Arts Center Hosting History Night Open House
- Champions for Health Care Basketball Tournament Results
- Hospital President Rebecca Ryder Recognized as Grassroots Champion
- Five Nurses Nominated for Excellence in Nursing Award
- Franklin Health Orthopaedics to Host Open House in Rangeley
- Hospital Auxiliary Hosting Community Tea
- FMH Sends Care Baskets to Mass General Hospital
- Champions for Health Care Basketball Tournament Taking Place
- Community Input on Health Care Sought
- Auxiliary Donates Escort Desks
- Openings Remain for Summer Scrub Club Camp (full as of April 15)
- Cancer Prevention Grant Awarded to Healthy Community Coalition of Greater Franklin County
- Franklin Memorial Hospital Meets Gold Star Standards
- Auxiliary Bag Ali Sale Slated for April 1–2
- Auxiliary Donates Infant Bibs for Hospital Newborns
- Hospital to Host Babysitter and Safety Training
- Hospital to Host Summer Scrub Club Camp (Now full 4/15/13)
- Health Information Professionals Week to be Observed
- Ski Free Day Sunday at Titcomb Mountain
- Healthy Community Coalition to host Alcohol Server and Seller Training
- Chaplaincy Volunteers Graduate
- Health Career Scholarships Available
- Guagenti Earns Graduate Certificate in Gerontology
- Full Free Day of Skiing and Riding at Spruce Mountain in Jay
- Blood Drive Taking Place on February 27
- HCC Hosting a Go Pink and Red Special Event
- Maternal/Child Unit Restricts Visitors
- FMH Awarded Grant to Establish Nurse Navigator Pilot Project
- First Round of Winter Windfall Raffle Winners Announced
- FMH to Host Program for People with Diabetes
- Nurse Practitioner Joins Franklin Health Pediatrics
- Flu Shots Available by Visiting Healthy Community Coalition
- Physician Assistant Joins Franklin Health Orthopaedics
- Franklin Memorial Hospital Welcomes First Baby
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text:
Here's how RW members rated this race in the past (295 votes).
In short: Worse half marathon!In full: 1pm start- why? I know it wasn't the usual autumns day but the organisers should have sorted the day better we all new it was going to be a hot day at least 7 days ago! The water cups were a dirty and the water tasted of chlorine?! You needed small bottles so we could run with them! Someone should have organised jelly babies or Lucozade stops, we were sweating so much we needed something more! I had never seen so many people collapsed in a race, not even in a marathon. But hey you had time to organise a bouncy castle..Date of review: September 29, 2014
In short: Late start on a very hot dayIn full: A very hot day combined with a 13:00 start time made this a very tough race. I didn't like the plastic cups at the water stations. In the conditions bottled water would have been much better. A lot of runners were suffering in the last few miles. The St Johns Ambulance were kept very busy. i hope everyone was ok. Nice medal. Needed more than a small bottle of water and a mars bar at the finish. Credit to the Army Cadets and Scouts who marshalled the race. Date of review: September 29, 2014
In short: Scenic run that would be better with a 10am startIn full: First time entering the Windsor Half. Organisation is slick for a big production race. 1pm start time on such a warm day was cruel. The water stations were fine through probably too few in number for such a hot day.Support for the last two miles is excellent with plenty of encouragement. The finish was a disappointment. Mars bar, medal and bottle of water. Opportunity knocks for a sports drink sponsor!Glad to have done it as a warm up to the Royal Parks Half but not one I would rsh back to.Date of review: September 28, 2014
In short: Too hot for the start timeIn full: They really need to think about the start time, or insistent about keeping 1pm hold it either in August or Oct/Nov to ensure colder weather.I have never seen so many people walking (myself included) on a half before. The heat definitely got to me as I was a whole 14 mins slower than three weeks ago.It would be nice to get more than a small bottle of water, Mars bar and medal at the finish.That said, the kids enjoy the face-painting and balloons whilst I'm 'running'. As I'm a local, will more than likely do it all again next (and complain about the start time)Date of review: September 28, 2014
In short: Wrong start time, as usualIn full: Another very warm day for the WHM showed yet again why this race should start in the morning. I hope no one was seriously ill or injured but I saw more runners collapsed and needing treatment than in any previous year. This could be a great race if it had a 10am start time but the organisers have always ignored requests to change the start will no doubt continue to do so.All the same small problems continue - no water bottles, only plastic cups, no bananas for runners at the end, no energy drinks. Just a medal and a Mars bar for your £28. But these are minor issues. The setting is wonderful and the course a real challenge in warm conditions. Shame the organisers continue to be so blind to runners' safety.Date of review: September 28, 2014
In short: 2013: Boiling!In full: Hilly (but don't say they didn't warn you), lovely scenery, lots of loos (yes, there were queues, but they were good natured queues). The queue for baggage was a bit long, but I've seen far worse.They need to re-do the race brochure. It's essentially a copy of the BUPA 10K brochure slightly re-written, and cups of water rather than bottles is disconcerting (and hard to drink from).Stunningly lovely enthusiastic cadets as marshalls round the course.I had a mega asthma attack, so didn't enjoy this one as much as I might have. Apart from the final straight, which was magic. It was definitely a challenge - and I'm glad I did it.Date of review: October 7, 2013
In short: 2012 race review. A great event, but organisation worsening each year.In full: I love this event, that's why I've done it 7 times now. I agree with the complaints others have made, but there's just something special about it for me. Their website is terible, arrive early if you want to use one of the shrinking number of loos, don't expect much at the finish - but it;s still a fantastic run. I did my best time since '88 this year as a nifty fifty.I will be back next year.Date of review: October 18, 2012
In short: OverpricedIn full: 2012 race - Nice course, spoiled by the organisation. Start delayed due to toilet and baggage queues, bad congestion for at least first mile/mile and a half. Water stations really well manned but only feeble plastic cups of water scooped out of 'bins' available, no bottles or energy drinks. At end given a medal, Mars bar and at last a bottle of water, but couldn't even manage a bag to put them in. Very amateur feel.Date of review: October 10, 2012
In short: Organisation gets worseIn full: I'm actually rating the 2012 race but couldn't select it in the drop down box. Wakey wakey RW.This was the fifth time I've done this race since 2004 and the organisation gets shoddier and lazier by the year. Once, one of the blue riband HM's in the south east, now just another half, but just a lot more expensive.For the entry fee paid, you would expect more than water stations with plastic cups that are pretty hard to drink from except if you are walking. Where was the Lucozade Sport? Half an hour to collect baggage? Guys, it helps if you store it in numerical order. Kind of makes it easier to find.Although not the be all and end all, the medals just get cheaper. I had a look at some of the past years ones when I got home and the quality was a lot better.Sad to see a race like this get so poor. Complacency?Date of review: October 7, 2012
In short: WIndsor 2012In full: In ran this race in 2012 (7 oct) and must say it was a very good experience as my first half marathon mostly because of the amazing scenery. However i got a bit annoyed with the start, i placed myself in the queue next to the 1h45 post to find out that i was doing an appalling 6min/km after the first 1km because the race is not staged and the start is really crowded and you simply cannot overtake anyone. It gets better around 2km, although i lost a good 3min. Staging the start would avoid such problems.The other let down is the water cups as everyone else mentioned. Theyre small and flimsy, you grab them and there's barely any water left inside. How much a water bottle costs these days?!The goody bag got worse from what I read, this year was only a Mars bar, a 50cl water bottle and a medal. A bit tough after 21Km... Marshals are however friendly and overall a good run - would benefit from a few improvements though;Date of review: October 7, 2012
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CLOVER, S.C. – Aug. 20, 2013 – Ducks Unlimited recently awarded Regional Director Justin Harris a 2012-13 Co-Regional Director of the Year award for his outstanding efforts as a staff member in Region 7, an area that encompasses the southeastern United States.
"Winning this award is a great honor and a testament to the great volunteers of western North and South Carolina. Our volunteer team is one of the best in the country," Harris said. "The Regional Director of the Year award was extremely satisfying to receive, and when I was called up to accept it, I did so on behalf of every district chairman, area chairman and volunteer representing our region."
Harris, a resident of Clover, S.C., covers upstate South Carolina and western North Carolina, working with volunteer committees in this area hosting fundraising events for the 76-year-old wetlands conservation organization. The events in Harris' region raised more than $600,000 for DU's conservation mission during the fiscal year ending June 30.
Volunteers are the heart and soul of Ducks Unlimited, coordinating more than 4,000 local fundraising events that generate more than 400,000 memberships and more than $50 million annually.
Ducks Unlimited Inc. is the world's largest non-profit organization dedicated to conserving North America's continually disappearing waterfowl habitats. Established in 1937, Ducks Unlimited has conserved more than 13 million acres thanks to contributions from more than a million supporters across the continent. Guided by science and dedicated to program efficiency, DU works toward the vision of wetlands sufficient to fill the skies with waterfowl today, tomorrow and forever. For more information on our work, visit www.ducks.org. Connect with us on our Facebook page at facebook.com/DucksUnlimited, follow our tweets at twitter.com/DucksUnlimited and watch DU videos at youtube.com/DucksUnlimitedInc.
Media Contact:
Will Johnson
(901) 758-3809


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Far Cry 3 Delivers Violence With a Knowing Wink
"What'd it feel like, winning?" Jason Brody asks one of his friends early in Far Cry 3. In his new life as the player-controlled protagonist of a popular and hyper-violent video game franchise, he has just told his girlfriend that he feels as if he's "taking control for the first time." Shooting and, subsequently, necessarily, killing, now "feels like winning."
There are a lot of these self-aware tics and nerdy figures of speech in Far Cry 3. Jason walks into a stone vault and whispers to himself to "channel Indy." Friends and enemies alike caution to not "let the pretty design fool you" when he first holds an impressive weapon in his hands. Villains smile knowingly at you when you rebuke them, then whisper, "I'm not playing a game, you are."
When I spoke with Ken Levine earlier this year about his work on acclaimed first person shooters like System Shock and Bioshock, he warned against designers using these kind of "Eh? See?" moments in their work. In the hands of a lesser developer, Far Cry 3 might have lapsed into platitudes of self-righteous soliloquies interspersed with bursts of gratuitous violence. Not for Far Cry 3, which both as a game and a story is supremely aware of its own boundaries. Recognizing these limits opens the game to new possibilities and chance realities, and the results are stunning.
Far Cry 3 opens with the melodramatic narrative thrust of a classic Disney film in "The Lion King" or "Bambi" tradition. You see a number of video clips of attractive twenty-somethings cavorting around a vast tropical playground set to M.I.A.'s throbbing, vibrant song "Paper Planes." After a moment, the screen pulls back and you realize a maniacal pirate vigilante has just been flipping through your vacation videos on a stolen smartphone as you sit helplessly in a bamboo cage, bound by your hands and feet as he explains how he is going to kill all of your friends or sell them for ransom. Making a daring escape with your older brother, you are forced to stab one of the other pirates in a desperate attempt to make it out of the camp unseen. Your hands shake violently, and you tell your brother with a quaking voice, "I can't do this."
But, of course, you can. And this moment will be but one in a long line of paramilitary forces and violent jungle animals that you must hunt with increasing ferocity to survive. Stepping into the jungle, the maniac shoots your brother point-blank in the jugular and, laughing madly, tells you to run. It's barely a step away from the hyenas telling Simba to run far, far away and never return—a classic origin story culminating, like the recent James Bond film "Skyfall," in a nearly fatal plunge into a river-bed. When you emerge, you are newly baptized as a coldly calculating killer with a serious revenge complex.
What follows, in some sense, is up to you. You can continue Jason's quest for revenge, a long journey that sends you ever deeper into the jungle and puts you face-to-face with a cast of characters ripped straight from a Cormac McCarthy novel. Or, there's just the island to explore. The world of Far Cry 3 is vast and peppered with countless nooks and crannies—detours which, like the iconic open world game Grand Theft Auto, are so intriguing they will supplant Jason Brody's story entirely for many players.
Yet there is one limitation: you must kill. And you have to kill an incredible amount if you ever want to "win" Far Cry 3 in any substantial way.
This is not an open game in the way that Dishonored lets its players choose a "non-lethal" option to satisfy their personal qualms while still accomplishing their goals. Even Assassin's Creed 3 Ubisoft's other main release this holiday season and an open world game in its own right, placed less of a premium on murder, and that game has the word "assassin" in the title. If you killed a civilian (either accidentally or intentionally), the game would send you back to a loading screen with a harsh reminder that your character did not engage in some wanton destruction. There is no such moral structure embedded in Far Cry 3's game design; the open world is ruled only by the state of nature.
Indeed, the amorality of this landscape ultimately incentivizes murder—and not just of humans. In Assassin's Creed 3, players could hunt for deer or rabbits as that game's protagonist, but the option mostly functioned as a tangent to the larger narrative, and Connor, the game's Native American protagonist, blessed every animal he butchered. In Far Cry 3, you pretty much have to butcher wildlife to craft the materials necessary to survive the rest of the game. Jason wrestles with fierce and stunning animals like tigers and sharks, cursing under his breath as he peels away their skin. This is much more the bitter truth of "Deer Hunter" than the majestic fantasy of "Life of Pi."
The pervasiveness of this restriction becomes suffocating and perversely fascinating: Far Cry 3 is much more interested in raising disturbing questions than it is in letting its players answer them. Because, after all, the game is fun. And it only gets more fun as time goes on. Advancing in the game gives you new abilities, represented by tattoos etched on your arm. As you slowly master this new world and its rules, the shock of stabbing someone in the chest gradually gives way to achievement. Soon, Jason doesn't just stab a single enemy and step back with a mixture of a grunt and gasp. Instead, like any good video game hero, he strings together acrobatic feats of gun and swordplay, felling an entire room of bad guys before they even realize he is there. You begin the game hiding in the bushes, cowering in fear and hoping the enemy won't see you. By the end, you glare out of the wilderness with the hunger of a seasoned predator.
Ironically enough, the pristine nature of Far Cry 3's design here may be its ultimate flaw. Because the game is perhaps too polished—too visually arresting, too immaculately balanced, too fun, in a word—for its own good. It does its best to keep every battle dirty and inelegant, as Jason still grunts and mutters after stabbing one more pirate or skinning yet another animal even as he intones increasingly ominous messages about his newfound powers to the friends he manages to save. The impact wears off faster on the player, and I was left feeling less "desensitized" to the violence unfolding on screen than simply confused by Jason's mixture of stoicism and bloodthirstiness.
That may be the point of Far Cry 3. When I spoke with Jeffrey Yohalem, the game's lead writer who has previously worked on several Assassin's Creed games and written for "The Daily Show," he expressed a desire to combine the campiness of the original Far Cry, a game that features a hunky protagonist dressed like Tom Selleck in "Magnum P.I." shooting radioactive zombie-monkeys, with the unseemly authenticity of Far Cry 2, an all-but-unrelated sequel that put players as nameless mercenaries in war-torn Central Africa. He hoped to walk, in other words, "the line between satire and real game."
Compared to over-somber other shooters like Medal of Honor: Warfighter and Call of Duty: Black Ops 2 and the opposing cartoonish irony of Borderlands 2, Far Cry 3's self awareness allows its drama hit harder than any of its close relatives. The game doesn't give you new toys than immediately exclaim how "badass" or geopolitically troublesome they may be. Instead, and to its credit, it just lets you play with them.
But Yohalem told me that he also wanted to tell another story with Far Cry 3: the story of a lost generation that's retreated behind its screens to escape an unforgiving economic reality. We may associate those stories more with Bret Easton Ellis or Lena Dunham, but there are beautiful moments in Far Cry 3 where the dialogue feels torn verbatim from one of Hannah Rosin's pieces about the "end of men." Sneaking up on a heedless enemy, I was struck when he started whining to himself about a fight with his girlfriend about his need to "get a job." I imagine that many players of Far Cry 3 may mutter the same curse to themselves when they first pop the game's disc into their consoles. It's a sign of our uncomfortable relationship with our many screens that the game's most alluring female character is partly inspired by Siri, and a final act of punishment against the story's villain is to remove his mobile service. "You're about to have zero bars," Jason grumbles viciously as the world around him goes up in flames.
It's a noble intention and a smart performance. But I have to wonder how often any story can get away with repeating itself simply by acknowledging its own shortcomings. During a late-game meeting with the same maniac that killed Jason's brother, he asks you for a definition of insanity. "Doing the same thing over and over again, expecting shit to change," he finally says. Far Cry 3 settles for a knowing wink and a wicked grin. The artists behind it, after all, have just as much of a vested interest in keeping us behind the screen as anybody else does.
I don't want to spoil anything, but the end of Far Cry 3 is remarkably similar to the end of Martin Scorsese's late-stage mob film "Goodfellas," when Ray Liotta steps out of his new suburban home to complain about being "an average nobody." This new life as "schnook" is a far cry from his past glory as a mob boss. But there's a reason Scorsese ended his film there instead of beginning it. It's the same that P.W. Singer identified when he told me, "Nobody's going to do the video game about the pentagon officer that got in a train and then made a PowerPoint presentation about the acquisitions budget that day"—whether or not we like to admit it, we care more about the gory details than the personal realization that comes after.
Fans of "The Wire" would probably counter that bureaucratic inefficiency does have its own artistic merit. Still, it will probably be another generation before a company like Ubisoft tries to make a video game about an underemployed and over-privileged girl in Brooklyn cursing her fate of graduating with a liberal arts degree and facing the horror of having to work at McDonald's rather than rushing off to a tropical "Never Never Land" to kill nameless bad guys.
In the meantime, though, we have Far Cry 3. And that may be a better answer than simply an escape.
For more on videogames go to Kill Screen.


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The Rossoblu are seeking reinforcements in attack to break away from the relegation zone and this week appointed Coach Davide Ballardini to replace Stefano Pioli.
Ballardini is familiar with Floccari due to their time together at Lazio and the 32-year-old forward would jump at the opportunity for more playing time.
He has made 19 appearances this term between Serie A and the Europa League, though most of them were as a substitute.
According to the Corriere di Bologna newspaper, the club is also targeting Danish international midfielder Delaney.
He faced Juventus in the Champions League this season with FC Copenhagen and the 22-year-old has both a Danish and American passport.
Read the original article on Football Italia - The ultimate website for English-speaking fans of Italian football
- Soccer
- Sports & Recreation
- Europa League


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|Students in the ARS 285 Introduction to Architecture: Language and Craft studio, taught by Jim Middlebrook, were asked to reinterpret the spatial language of a flower. Each student started by choosing one flower from the Botanic Garden during the first week of March. She photographed this flower and analyzed its spatial character in terms of certain organizational principles.
|The student then built a model to abstractly re-present the flower according to this visual "language." Finally, these forms were appropriated by the student in the design of a hypothetical pavilion that would be used to display flowers next to Paradise Pond. On display in the Church Exhibition Gallery from June 15 - October 11, 2009, are the photos, models, and pavilion designs.
Click on Images to enlarge
Click HERE for a slideshow of student projects


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Hi everyone,
I have been running my site inlacrossewetrust.com since June with no issues. Last night suddenly my site went down. I tried to fix it through templatemonster support chat and ended up deleting my database by mistake.
GoDaddy was kind enough to give me a backup from three days ago. I am working on updating this to sql to get my files back.
However, I do not seem to be able to get this database to connect. I updatd wp.config.php file with a new password but when I update that to sql it will not work.
I am NOT a techie or expert in stuff so stuff in simple terms will help.
Thank you!!


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This is a discussion on [News] Congress Calls for Change in US Patent System - Linux ; Congress: Reform Those Patents ,----[ Quote ] | As the largest holder of U.S. patents, we feel it is our responsibility, and | the right time, to speak out forcefully in favor of reform. We are trying to | do ...
Congress: Reform Those Patents
,----[ Quote ]
| As the largest holder of U.S. patents, we feel it is our responsibility, and
| the right time, to speak out forcefully in favor of reform. We are trying to
| do our share by unilaterally publishing a first-ever corporate policy aimed
| at promoting patent transparency and quality. We also initiated, and with
| others in the private sector, are working with the U.S. Patent & Trademark
| Office to ensure that citizens have a voice in the patent review process.
| But these voluntary efforts, along with recent wise Supreme Court decisions,
| are not enough.
| Progress, not perfection, is the goal. It was so from Eli Whitney's time, and
| is true today. Congress finally has an historic opportunity to address the
| thorniest of modern challenges, to secure America's continued role as the
| leading innovator in the global economy.
Also amongst the headlines:
USPTO Reaffirms 1-Click Claims 'Old And Obvious'
,----[ Quote ]
| "After USPTO Examiner Mark A. Fadok rejected Amazon CEO Jeff Bezos' 1-Click
| Patent claims as 'old and obvious,' Amazon canceled and refiled its 1-Click
| claims in a continuation application as it requested an Oral Appeal, a move
| that smacked of a good old-fashioned stalling tactic. But the move may have
| backfired, as Fadok has just completed his review of the continuation app and
| concluded that all of the refiled 1-Click claims should be rejected,
| providing explanations of why the Board of Patent Appeals was wrong to
| reverse his earlier decision after listening to Amazon's lawyers in
| September. In October, USPTO Examiner Matthew C. Graham rejected most of the
| 1-Click claims as part of the reexam requested by LOTR actor Peter Calveley,
| a decision that attorneys for Amazon are currently trying to work around with
| some creative wordsmithing. Can't see how all of this means 'less work for
| the overworked Patent and Trademark Office.'"
U.S. appeals court hands Google patent case setback
,----[ Quote ]
| The appeals court ruled that Google's immensely profitable AdSense did not
| infringe on Hyperphrase's patents. It handed down a split decision on
| AutoLink, agreeing that Google did not infringe, as claimed, on one of the
| Hyperphrase patents.
Patent Problems Resolved Between Vonage, AT&T
,----[ Quote ]
| All Vonage wanted to do was to capitalize on the ability to make cheap, voice
| ^^^^^^^^^^
| over Internet phone calls. Unfortunately, in their haste to deliver a working
| product, the company received complaints that it had trod upon the technology
| owned by other firms.
Consumer and Public Interest Groups Back New U.S. Patent Rules That Would
Curtail Abusive Behavior By Applicants
,----[ Quote ]
| A coalition of consumer advocacy and public interest groups today filed legal
| papers supporting new U.S. Patent Office (USPTO) rules that would curtail
| abusive behavior by patent applicants and improve patent quality. Â*
| In a friend-of-the-court brief filed in U.S. District Court in Alexandria,
| VA., the groups urged that an injunction blocking the proposed rules be
| lifted and they be implemented immediately. Â*
| The proposed new regulations ask applicants to justify the need for more than
| two continuations per application and assist the USPTO in performing initial
| technological research on applications that contain an excessive number of
| claims. Â*
Top Ten Patent Trolls of 2007
,----[ Quote ]
| 3. Acacia. I didn't start tracking Acacia carefully until the summer. But
| still, on my blog I have reported on over two dozen lawsuits brought by
| Acacia this year, against more than 235 defendants. That's in addition to the
| over 200 lawsuits Acacia filed in previous years against hundreds and
| hundreds of defendants. And that's not including the two lawsuits (at least)
| Acacia has filed in December against 20 more defendants (yes, Acacia, I'm
| watching you). Acacia's business model, as a publicly traded company, is to
| accumulate patents and sue as many companies as possible in order to extract
| licenses. They have a market cap of over 275 million - that pays for a lot of
| lawsuits. Unlike other trolls, Acacia tends to not focus on one court in
| particular, although they have sampled the Eastern District of Texas more
| this year than in the past. Â* Â* Â* Â* Â*
Yahoo Patent Troll
Who is the world's biggest patent troll?
,----[ Quote ]
| In two consecutive days, The Wall Street Journal presented two different
| answers. The first is not surprising: Intellectual Ventures, the brainchild
| of ex-Microsoft executive Nathan Myhrvold. It's now out "to raise as much as
| $1 billion to help develop and patent inventions, many of them from
| universities in Asia." Â*
Playing Microsoft Patent Poker
,----[ Quote ]
| This time though, while Ballmer slinks away to try to con ⦠convince people
| that Microsoft Unified Communications somehow offers people more than what
| Cisco's VOIP (voice over IP) been offering customers for years, a patent
| attack finally launches at Linux. Specifically, IP Innovation, a subsidiary
| of Acacia Technologies Group, has filed a patent infringement claim against
| Linux distributors Novell and Red Hat. Â* Â*
| So was it just timing, or was it something more? Let's take a look at the
| players. Â*
Friday Patent Litigation News
,----[ Quote ]
| Reader Anthony Sabatini of New York writes to tell me that the auto-text
| patent asserted by Acacia subsidiary AutoText in Cleveland might be invalid
| in light of the Control Data Corp CDC6600 console system developed two
| decades earlier. Â*
| [...]
| Finally, IP Innovation and Technology Licensing Corp. -- in other words,
| ACACIA -- filed a lawsuit in Marshall against Google, accusing Google's
| search engine and Google Earth of infringing two patents. This is the same
| Acacia sub that sued Red Hat and Novell over Linux, with the same lawyers -
| Johnny Ward and Eric Albritton. But these are different patents. The patents
| asserted against Google are 5,276,785 and 5,675,819, which Acacia got from
| Xerox. Nice going, Xerox. Â* Â* Â*
Acacia and Niro File Another Multi-Defendant Lawsuit on JPEG-on-a-Website
Patent, Bringing Total to 16 Companies Sued
,----[ Quote ]
| Assuming it files one per month for the next 39 months until the patent
| expires, then what Acacia is really seeking is $600M from US industry for the
| JPEG-on-a-website patent. My guess is theyâll sue many more companies than
| that, and seek up to a billion dollars â which, assuming a 33% contingency
| fee (which is low, probably), amounts to a cool $100 million per year for the
| Niro firm. Â* Â*
| And people wonder why heâd like to shut down websites critical of Acacia and
| other patent trolls. The real question is what does he want from you and me,
| for our photo blogs, our personal websites. His statements to IP Law 360 only
| referred to companies. Â*
| The other real question is how many companies will spend millions in
| attorneys fees to fight rather than pay the $500K or $1M or $2M that Acacia
| is demanding. That's the sad state of patent litigation these days. Â*
Most of Chinese New Patents Are Garbage
,----[ Quote ]
| On November 27, 2007, the Innovative National Construction and Intellectual
| Property Symposium was held in Beijing. Representatives from a variety of
| industries spoke at the event; most of them expressed their worries and
| frustrations with Chinaâs IPR protection framework. Mr. Fu Shaoming, head of
| the IPR unit from Foxconn, Chinaâs largest electronics OEM firm, claimed in
| his speech that 90% of China's new and practical patents are de facto garbage
| and should be discarded. Â* Â* Â*


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Vintage Panties: Pinup Model Underwear Thrills Men Around The World
If pinup models turn you on, vintage panties must be one of your weaknesses. Millions of men around the world love to see a woman wearing vintage panties. While the term "vintage" is often used loosely in the lingerie world, this style of panties is a throwback to the days of pinup models wearing panties in photo shoots. Most often, the vintage panties found in stores are not truly vintage and are newly manufactured. There are a few stores throughout the world, however, which sell authentic vintage panties and vintage panty collectors often flock to these locations to find gently used vintage panties.
Slips and Curves Copyright © 2009


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Common Questions about Hypnotherapy Training & Certification
How many hours of training do I need to become a Hypnotherapist?
Do I need a license to practice hypnotherapy in my state?
How do I really know if a school or institute is Approved or Not?
What are the state and federal laws concerning certification?
Do I have to be certified before I can open my private practice?
How many organizations are there that certify?
Wont my clients be concerned if Im not a member of a certifying organization?
How will I get liability and malpractice insurance if Im not a member of an organization? I thought you had to be certified through an organization to get reimbursed by insurance?
Insurance reimbursement for hypnotherapy services is NOT automatic or guaranteed by membership in any certifying organization. You may want to call Blue Cross yourself.
If I do decide to join an organization, what will I be get in return for my membership fee? Will I be able to vote in the membership? Will I have input on issues concerning the certifying organization?
Which organization is the best to belong to?" I read about one organization that says they are the largest, most important one to join. Are they?
Certification by any group really amounts to a club membership with all the political and social implications. Looking closer at these certifying organizations or club memberships, we see a posturing for a leadership position as the profession of hypnotherapy continues to grow and form. ALL organizations have some advantages and disadvantages and serve our right to practice hypnotherapy. They bring us together. Nevertheless, as individual practitioners we should have the right to closely examine and scrutinize every organization we wish to belong to and also have the choice to belong to all, some or none. We should not be dictated to which organization we should belong. It is a matter of our choice.
What about the "in-house" certifying organizations Ive been hearing about? Who are they?
Should I join an organization or certifying body? What would be the purpose?
My Diploma from a State Approved Institute in the United States says that it certifies me as a Hypnotherapist. Why do I have to join a certifying organization to be certified again?
California Institute of the Healing Arts & Sciences
2377 Gold Meadow Way, Suite 100
Gold River, California 95670
(916) 484-1700 Fax: (916) 631-1587
e-mail: firstname.lastname@example.com


text:
Contemporary news about H.P. Lovecraft, Cthulhu, the Necronomicon, Miskatonic University, Arkham, R'lyeh, The Book of Eibon, Yog-Sothoth, De Vermis Mysteriis, & other unspeakable things...
Monday, June 4, 2012
Super authentic Cthulhu statue is based on H.P. Lovecraft's personal sketches
Deviantartist Zombiequadrille has created the most authentic statue of the great Cthulhu yet produced. He based it on H.P. Lovecraft's own sketch of the old slumbering alien diety, and the result is one of the creepiest Cthulhu idols I've seen. Well done! Ia! Ia!
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Home » Blogs » Padres Scorecard »
Korea vs. Correia tonight
Written by | Tom Krasovic | 12:45 p.m., Mar 11, 2009
Padres No. 3 starting pitcher Kevin Correia will face South Korea tonight at Peoria Stadium in a World Baseball Classic tuneup for the South Koreans. South Korea played the Padres here three years ago in another WBC tuneup. It was obvious that the South Koreans were fundamentals. The team takes infield practice very seriously. Hitters tend to be good bunters. At that time, Padres shortstop Khalil Greene fascinated the South Korean players. Greene had an unorthodox style defensively -- he was far more apt to throw on the run than after setting his feet, a no-no according to "textbook" fundamentals, but he pulled it off with seeming ease.
South Korea defeated Japan 1-0 in the final game of play in Pool A on Monday night in Japan to win Pool A. Both teams will advance to San Diego as part of Pool 1 in Round 2, beginning on March 15.
Tonight, South Korea will send 20-year-old left-hander Kwang Hyun Kim of Korea's SK Wyverns to the mound. Last season, he led South Korean pitchers with 16 wins and 150 strikeouts while finishing second with a 2.39 ERA. Kim started South Korea's second game of the WBC this month, and the Japanes dispatched him quickly, scoring eight runs in 1.1 innings en route to a 14-2 victory.
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> Ouch; that is slow. What partition type are you building from ?
This is an ext3 partition, and a SCSI disk :
4 [18:10] rol@donald:/kernels> df .
Filesystem 1K-blocks Used Available Use% Mounted on
/dev/sda1 10320888 753828 9042724 8% /kernels
Do you think I should try on some other ?
The problem is that the system is *globally* slow, and compiling
the kernel is just a way to prove it. Starting KDE has become a real
pain (so slow screen detects no more video and enter Energy Saving
mode before reactivating and switching to Graphic mode).
To unsubscribe from this list: send the line "unsubscribe linux-kernel" in
the body of a message to email@example.com
More majordomo info at http://vger.kernel.org/majordomo-info.html
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A Quote by John Randolph of Roanoke on benevolence, devil, equality, independence, interest, liberty, love, men, needs, power, principles, religion, selfishness, and trying
The principle of liberty and equality, if coupled with mere selfishness, will make men only devils, each trying to be independent that he may fight only for his own interest. And here is the need of religion and its power, to bring in the principle of benevolence and love to men.
Contributed by: Zaady


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You all know Little Caprice, but did you know she is an Alp Girl? With a pussy like this… Damn, that's a beautiful pussy shot!
You have to admit Little Caprice has a sexy pussy, and when she spreads her pussy open wide like this…. Who wouldn't want to slide their cock into this tight euro slut snatch?
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Definition of crepitus in English:
noun[mass noun] Medicine
1A grating sound or sensation produced by friction between bone and cartilage or the fractured parts of a bone.
Example sentences
- Physical examination frequently reveals crepitus at the fracture site.
- The patella and its supporting structures, bilateral joint lines and collateral ligaments are palpated for tenderness, crepitus and localized swelling.
- The knee often clicks as it moves through its range of movement and usually the patient feels and hears grating or crepitus under their kneecap.
1.1The production of crepitations in the lungs; rale.
Example sentences
- Palpate the chest for subcutaneous emphysema and crepitus, and percuss for dullness, an indication of consolidations or effusions.
- Some had opportunities to palpate subcutaneous crepitus, others could see effects and treatment of respiratory/metabolic acid-base imbalances.
- The presence of crepitus indicates subcutaneous emphysema.
Early 19th century: from Latin, from crepare 'rattle'.
For editors and proofreaders
Line breaks: crepi|tus
Definition of crepitus in:
What do you find interesting about this word or phrase?
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For student loans, that means that the returns in future employment, made possible by your college degree, will outweigh the student loan payments over your life. That calculation must include un/under-employment risk; that is, the debt is certain, but the long-term wage benefit is not, so the student loan should have substantial positive financial impact or you should have never signed for them in the first place. As explored in a previous post, the main factors in that calculation are the cost to obtain the degree, the value in the marketplace of your degree, and the employment opportunities in your field.
A recent ABC News report on student loan defaults has some very telling stories. There is a 24-year-old graduate of New Jersey's Fairleigh Dickinson University (tuition, fees, and basic room & board of $42,188 for undergraduate, and $38,700 for tuition for education graduate studies). She earned her Master's degree in Education, but hasn't found a full-time job as a teacher. Having financed most of her college education with student loans, she owes "close to $100,000", and works two part-time jobs as a substitute teacher and as a tutor at a learning center and pays what she can on her loans.
So let's do the math.
The total tuition and room & board cost for her Master's Degree education is $207,452, boldly assuming she graduates in five years (and not including living expenses while in graduate school). Assuming she receives the average grants for a private four-year school, the National Postsecondary Student Aid Study (NPSAS) indicates that her actual bill is $98,308 after grants (based on the average ratio of grants-to-tuition). That means she essentially financed her whole education through loans (no savings and current income). Not a good practice.
The average salary for a public school teacher in New Jersey (where Fairleigh Dickinson University is located) is $64,089. Based on a 6.8% annual interest rate at a 10 year term (the current federal student loan terms), her monthly payments are $1131, or 18% of gross income - way too high. Assuming single filing status with standard deductions, this is about 29% of her net income after state and federal income taxes, Social Security, and Medicare. And her two part-time jobs are not likely providing the equivalent (in salary) to an average full-time job.
Another way to look at this is that after taxes and student loans, a $64,089 salary would leave $2,825 per month for rent, utilities, food, medical insurance, transportation, and savings, leaving very little room for any discretionary expenses. And she likely won't qualify for a mortgage or perhaps even a car loan with debt ratios so high (especially if she continues to "pay what she can" on her student loan, which will drive down her credit score).
So was her education worth the cost? Maybe for her personal satisfaction, if she finds a job and her personal goal was to become a teacher, but not financially. At least not the way she financed her education and her choice of school. If she instead attended Rutgers University, an excellent public university in New Jersey with a masters-level education certification program, the total cost of her education would be $110,464, and her net price after grants (assuming average values from the NPSAS) would be $67,874, a reduction of 31% in needed funds. This would already reduce her student loans to a monthly payment of $781, if she had no savings or income to contribute.
The better approach would be to have some minimal savings and income to offset her costs while in school, to minimize her borrowing. With just a contribution of $100 per month in a 529 Plan for 12 years (starting when she was in first grade), she would have had $20,601 for her education expenses, reducing her monthly student loan payment to $544, a more manageable 14% of net income. Then she would even be able to save a little money!
Perhaps the more troublesome comment in the article is the quote from the mother of another college graduate in a similar situation:
"I didn't think of student loans," she said when she was helping her daughter choose a school. "I told her to go where she wanted. I wanted her to go somewhere she would be successful and not somewhere she would hate. We would deal with the student loans after the fact."This isn't just poor planning, it is poor parenting. Why saddle your children with this debt? Why not teach them the consequences of their actions, and not just worry about it later when the bill comes due?
I certainly have sympathy for people in these situations, and I am not picking on any individual highlighted in this article (as their circumstance is all too common), but I think just a little bit of financial literacy and planning would avoid a lot of this. Running the numbers as above on total cost, projected loans, and anticipated employment in your field is a great first step.