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MELBOURNE (Standard & Poor's) Dec. 9, 2011--Standard & Poor's Ratings Services said today that it has lowered its long-term issuer credit rating on New Zealand finance company Broadlands Finance Ltd. (BFL) to 'CC' from 'CCC', and placed it on CreditWatch with negative implications. The 'C' short-term issuer credit rating on BFL remains on CreditWatch with negative implications, where it was placed on Nov. 24, 2011. The rating actions reflect our criteria-based opinion that it is likely that BFL will selectively default on creditor obligations that are due to BFL's key shareholder, Mr. Anthony Radisich. This opinion is based on a deed that has been recently executed between BFL and its trustee company relating to: The waiver of all interest due...
Companies mentioned in this report are: Broadlands Finance Ltd.
Action: Downgraded
Action: On CreditWatch:Negative
Standard and Poors RatingsXpress Credit Research provides in-depth coverage of international corporates, financial institutions, insurance companies, utilities, sovereigns and structured finance programs. RatingsXpress Credit Research lets users determine the credit rating of holdings and identify key factors underlying an issuer's creditworthiness, distinguishes the different risk exposures for new and existing deals, and provides an understanding of how their analysts interpret key regulatory, political and environmental events and their economic impact.
Research type: News
This product is a is a brief one-page announcement of no more than 500 words with a quote from the analyst. It is media and investor focused with no accompanying commentary article.
Broadlands Finance Ltd.


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Today's schedule for Amarillo-metro high school varsity teams, area colleges and Amarillo minor-league professional teams:
PRO HOCKEY: Amarillo Gorillas at Austin Ice Bats, 7:30 p.m.
COLLEGE FOOTBALL: West Texas A&M at Eastern New Mexico, 2 p.m. CST; Texas Tech at Baylor, 2 p.m.; Oklahoma Panhandle State at Langston, 1 p.m.
COLLEGE SOCCER: West Texas A&M vs. Central Oklahoma in Lone Star Conference women's tournament at Wichita Falls, 5 p.m.
COLLEGE VOLLEYBALL: Frank Phillips in NJCAA Region V tournament at Denison.
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subset: commoncrawl


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Heading to BlogHer: In Need of Travel Advice!Roni
Last year at the BlogHer conference I found out I was pregnant. It was after a year of deciding if we wanted to add to our family, months of trying, and a heartbreaking miscarriage. I was elated!
A year has gone by and it's BlogHer time again. I really want to go and have been trying to turn the trip to San Diego into a family vacation. Unfortunately, it's not going to work, too many logistical problems. Then I thought Hmmm, I'd just bring baby. But after some discussion with the husband, we decided against it.
So here I am 3 weeks before the conference, already nervous. It will be my first time away from Little Bean and we are still exclusively nursing. I have some milk stored but I stopped pumping about 2 months ago, once I had enough in the freezer just for emergencies. It seems I'm going to have to work my supply back up, as it took two days to get my first extra 3 oz.
With baby number 1, I returned to work and found a good balance of nursing and pumping, but with Little Bean I'm not in a pumping routine. I'm worried that the 3 days away will really affect my supply.
My plan is to pump around every 3-4 hours while gone. I'll freeze the milk and bring it home with me. Does it even sound realistic? Or do you pump and dump? I've never pumped that long that far away from home. Being that it's a 7 hour flight I'm going to need to bring my pump on the plane. Are you even allowed to do that?
Any traveling mommas out there have any advice? Maybe I should buy a hand pump? I'd love to get the freestyle Jacinda talked about, but the price tag is a bit steep for one trip.
Try out Babble's pick of the Best Breastmilk Storage Container!


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Alfa Teens On Machines... If you ever watched Jetix you will know this program.
Mondays at ??:?? PM/AM ATOM, Alfa Teens On Machines
von Pure_Luck 6. Juni 2007
Creator and only human in the punk-rock band Atom and His Package.
Atom is a God among men.
von Skitzo 11. August 2004
Funniest guy ever. He wants the head of septa to go to his house and kiss the nose of him till it feels better. He finds it hard to be happy when he's not using the metric system.
Juli shall marry Atom.
von xkilledxwithxaxsmilex 24. Dezember 2003
The new drummer of the band known as The Offspring, which happens to be one of the best bands in the world.
Atom is one heck of a good drummer.
von jimbobjoeshmoe 3. Januar 2004
guitar player for the band Element. sounds like jerry cantrell meets slash.
whoa, Atom is a great guitarist.
von atom wilson 8. März 2005


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For a fresh take on barbecued pulled pork we decided to reinvent it from the bottom up. And we started by ditching the pork.
As delicious as pork is, we wanted something that didn't take hours upon hours on the grill. Instead, we went with chicken thighs. Nearly as lean as chicken breasts, thighs stay moist and are difficult to overcook. They also happen to be delicious when doused with a one-two punch of lemon-pepper sauce.
We start by marinating the thighs in a blend of lemon juice and zest, salt, pepper and olive oil. After that, you just pop the thighs on the grill for about 10 minutes, then shred them with forks. A second dose of lemon-pepper comes in the sauce you toss the shredded chicken with, a tangy blend of lemon juice and zest, mayonnaise and buttermilk.
The result isn't just delicious, it also is wonderfully versatile. Pile it onto bulkie rolls, or heap it onto a mess of baby greens.
Barbecued and Shredded Lemon-Pepper Chicken
Start to finish: 21/2 hours (30 minutes active)
Servings: 6
2 pounds boneless, skinless chicken thighs, trimmed of fat
Zest and juice of 2 lemons, divided
Kosher salt and ground black pepper
1 tablespoon olive oil
2 tablespoons light mayonnaise
1/4 cup buttermilk
Bulkie rolls or salad greens, to serve
In a zip-close plastic bag, combine the chicken thighs with the zest and juice of 1 lemon, plus a hefty pinch of salt, 1 teaspoon of pepper, and the olive oil. Close the bag, then turn and massage with your fingers to work the marinade into the meat. Refrigerate for at least 2 hours and up to overnight.
When ready to cook the chicken, heat the grill to medium-high. Use a vegetable oil-soaked paper towel held with tongs to oil the grates.
Grill the thighs for 5 to 6 minutes per side, or until cooked through. Transfer the chicken to a plate, then use 2 forks to pull and shred the meat into bite-size pieces.
In a medium bowl, whisk together the mayonnaise, buttermilk and the remaining lemon juice and zest. Stir in the chicken and season with salt and an additional 1/2 teaspoon pepper. Serve the chicken piled on bulkie rolls or over a bed of greens.
Nutrition information per serving: 260 calories; 140 calories from fat (54 percent of total calories); 15g fat (4g saturated; 0g trans fats); 100mg cholesterol; 3g carbohydrate; 0g fiber; 1g sugar; 28g protein; 210mg sodium.
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there are many flowers that contain saponine which have probably been used as cleaning agents for tens of thousands of years...
I feel I bit of a prat using the word "primal" in this kind of context - but there; it's done.
I heard an archaeologist talking about laundry. She said that in the old days women used to use lye, made from ashes, and cold water. They packed all the clothing - heavy linen sheets, linen shirts, wool garments in a barrel-like container called a buck. They'd carry that down to a river. (Carrying bucks - hence the phrase "the buck stops here".)
Only quite recently did soap and hot water come in. In medieval times soap wasn't so freely available, but wood ash was. With the gradual switch to coal for fuel, there was a move to soap. That needs hot water, unlike lye, so women stopped doing their washing down at the river. They lathered the clothes up in a tub with a wooden dolly. These housewives, and women who specialized in this - washerwomen - could probably have beaten the Governor of California at arm wrestling!
What she said about the current situation is quite interesting. She says the current situation is now different again: it is, of course, a washing machine rather than muscle power, and detergent rather than soap. But she says she doesn't use detergent at all. She says it's grossly expensive, not needed, makes the clothes itchy and uncomfortable, and pollutes rivers.
She says she's got a whole battery of harmless household substances she uses on particular stains - things like vinegar - rather than a lot of bought stain-removers that have God knows what in them. Apart from that, she just uses a good hot wash with no detergent, and she says extensive testing and experience has shown her that hot water is sufficient to clean normally soiled clothes. She says it takes two or three washes after you stop using detergent till the clothes turn soft.
How about this? I think this is quite interesting. At a basic level, I quite like the idea simply of not using a pre-packaged item from a mega-combine that'll only care about profit and will be quite happy to sell you something you don't need. I don't think much of harmful processed foods; I don't use antiperspirants and deodorants, because I stay clean, and I don't need to poison my body with aluminium. I recently read mouthwash is just as capable of killing healthy bacteria in your mouth, and real dental health begins with diet, and I'm wondering about throwing out that bottle of chemicals, too.
So what else are they selling me I don't need? If that archaeologist is managing fine without detergent, do I need it? But it's not just paying for things you don't need.
The issue of polluting rivers really does concern me. I don't think we can go on how we are: buying what we're told we need without paying attention to what it's doing to ourselves or the environment around us.
there are many flowers that contain saponine which have probably been used as cleaning agents for tens of thousands of years...
challenge yourself
i blog here http://theprimalwoman.blogspot.com/
I've tried leaving out the detergent. I've also tried vinegar. Unfortunately, the B.O. lingers, particularly on the clothing of teenage-boys.
Soapnuts work well for laundry. I use them to wash my hair, actually, but I have also used them for laundry and they work great.
Soapwort root is much harder to get now in the USA, but I used to use that for washing my hair and it was very nice. Never tried it for laundry though, but apparently museums use it for cleaning delicate old tapestries. Soapwort grows as a weed in most of the US and is highly invasive. I tried planting some in a pot but haven't had much growth from it yet.
Using less detergent is a start; for normally soiled clothes you only really need about half of what the pack recommends. Saves you a bit of money and pollutes the rivers a bit less, and less risk of getting these white marks all over your clothes.
Pretty sure Ecover etc. do "environmentally friendly" detergents, need to give these a look.
Interesting. I've been looking at the "natural" detergents as well, since I also would like to stop putting harmful things down the drain. I clean my counters with ammonia/vinegar, mostly stopped using deoderant (and when you don't use it you don't need it as much I find, interesting), and stopped using any bodywash with the little beads because they get into the rivers and oceans too (and then switched to bar soap, not sure if I like it yet). I hate mouthwash and just floss and brush my teeth.
Not buying laundry detergent would be great though...maybe I'll try hot water a couple of times without telling the hubby and see if he even notices. I don't think this works for dishwashers though, I have to buy the nicer detergent to get my dishes clean, because the cheap stuff doesn't even work. Unless it's like the laundry detergent where you really don't need anything...huh...maybe I'll test that too.
You are what you eat,and what you eat eats too - Michael Pollan
Hannahc, you brought up some other things that I do too! I don't use commercial deodorant either, I use diluted Geranium EO and it works amazingly well! DH has been using Nutmeg EO, so manly and awesome smelling, drives me crazy!
Also I use a homemade tooth powder made of baking soda with sweet orange EO, cinnamon EO, and tea tree EO. Works beautifully and my dentist wholeheartedly approves of my teeth and gums!
@Mick, a very interesting post! Until about 20 years ago, I've seen my grandma using ash to clean dishes in India. Ground soapnuts were used to wash hair and sometimes in lieu of soap for the body. Powdered mung bean mixed with water and turmeric which has antibiotic properties was used for the body too. This was the case mostly until about late 80s, not that there were no soaps available before then. But these practices were common. Then with the move towards market economy in the 90s, a whole lot of new products were pushed into the country and I suspect these traditional methods are fast dying.
@eva: I believe hibiscus is one of them. Ground hibiscus flowers are added to soapnut powder for home made shampoo.
@marika: Where can I find soapnut and soapwort in the US? Mind sharing the procedure for making the home-made tooth powder?
@hannahc: LOL, that's what I'm going to do too, not tell the hubby and try it out.
I've noticed that my skin doesn't feel dry after going primal and as a result, I don't use any moisturizer. I still use Oil of Olay for my face. Any recommendations for natural products for the face?
Mick, once again, a great thread.
@maba, you can find soapnuts at Amazon.com or naturoli.com. Actually since I've been using them for my hair, I've become rather picky and I order mine from the UK, they are especially nice ones: http://www.gogreen.cellande.co.uk/shop/products/soapnuts/soapnuts.php
Soapwort is exceptionally hard to find now in the US. The only place I've found it is Dragon Herbarium in Portland, OR (they have an online store but I've never used it).
Also for my tooth powder, I fill a jar with 3 tablespoons of baking powder and add in (I'm going from memory here so bear with me) approx. 18 drops sweet orange EO, 10 drops of cinnamon (cassia) EO, and 3-5 drops of tea tree oil, and mix that up really well. To use it just wet your toothbrush and dip it in. Tastes great and works wonderfully, even convinced DH!


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Global Scholars Program
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Recent News
NOW ACCEPTING APPLICATIONS - from Incoming Transfer, Exchange and International Students 2016-2017
Application for Incoming Transfer, Exchange and International Students now open for Academic year 2016-2017!
Giving Blue day 2015
Funds donated to the Global Scholars Program will be used towards student scholarships and to help strengthen internship and travel opportunities for our students to encourage them to make real world changes through their GSP involvement.
Welcome to GSP!
The Global Scholars Program (GSP) prepares sophomore, junior, and senior University of Michigan students to be interculturally competent global citizens, champions for meaningful change, and innovative leaders of tomorrow.
GSP is an academic living-learning community that provides sophomore, junior, and senior University of Michigan students the opportunity to engage with, U.S., international and exchange students on campus and around the world.
Students will learn about global issues from multiple cultural perspectives. Also, coursework and collaborative projects will assist students as they begin to develop and hone their intercultural communication skills.
Finally, Global Scholars residents are encouraged to study, intern, or work abroad to reap the full rewards of the program—learning from intercultural experiences and engaging with the world.
We strive to support our students and faculty on the frontlines of learning and research; to steward our planet, our community, our campus. To do this, the Global Scholars Program needs you—because the world needs Victors.


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Following the initial results from the University of Arkansas trial, numerous studies from around the world have confirmed the efficacy of thalidomide in relapsed, refractory myeloma. In these studies, at least 25-35% of patients with advanced myeloma obtained a significant response to thalidomide therapy. Many of these patients had failed conventional chemotherapy and stem cell transplantation, and had few, if any, options available. In fact, thalidomide is the first drug to show clinically meaningful single agent activity in myeloma in over two decades. Based on this data, thalidomide is now considered an effective treatment for relapsed myeloma. However, the FDA approval for the use of thalidomide in myeloma is pending.
Given the effectiveness of thalidomide as a single agent, there is significant interest in studying thalidomide as initial therapy for myeloma. Preliminary studies from the Mayo Clinic and the M. D. Anderson Cancer Center show that over 70% of patients with newly diagnosed active myeloma respond to the combination of thalidomide and dexamethasone. Since both drugs are administered orally, this combination is more convenient than more aggressive intravenous chemotherapy regimes such as VAD (vincristine, adriamycin, dexamethasone). These are very encouraging results and if confirmed may change the approach to the treatment of newly diagnosed myeloma. However, at present these results should be considered investigational, and need further study.
Additional studies show that thalidomide alone, as a single agent, may be effective in asymptomatic smoldering (indolent, early stage) myeloma. Responses are seen in approximately 40% of patients. The goal of thalidomide therapy early stage myeloma is to prolong the time to progression to active myeloma. The initial results are encouraging, but further studies with long term follow up are needed to determine if thalidomide can delay the time to progression and the need for chemotherapy or stem cell transplantation in myeloma. Until such studies are completed, thalidomide therapy in early stage myeloma must be considered investigational.
Studies have also been initiated to determine if thalidomide can be safely combined with other effective agents for the treatment of relapsed myeloma. Early results show that this approach is feasible. There is now data that some patients who fail thalidomide and dexamethasone separately, may respond to the combination of the two agents. This suggests that the combination of the two drugs may work better than either drug alone.
The initial study of thalidomide in myeloma was initiated because of its ability to inhibit the formation of new blood vessels (angiogenesis). Angiogenesis occurs normally during fetal growth, wound healing and in the uterus during the menstrual cycle, but is also critical for the proliferation and spread of cancers, including myeloma. However, it is still not clear if the effectiveness of thalidomide in myeloma is related to its anti-angiogenic properties. Thalidomide has other effects that may play a role, including a direct effect on cancer cells, changes in the environment in which the myeloma cells grow, and strengthening of the immune system.
Thalidomide is taken orally as a pill, usually at a dose of 200mg/day. Although many physicians attempt to increase the dose of thalidomide to as high as 800mg/day, most patients cannot tolerate doses higher than 400mg/day. The best dosing regimen is still not clear. Excellent, sustained responses have been observed with doses as low as 50mg/day. In most cases, patients will start to show signs of a response within 4-8 weeks.
The main limitation of thalidomide is the risk of teratogenicity and side effects such as drowsiness, fatigue, rash and neuropathy. Although side effects are usually mild, in the elderly population these can be troublesome. To overcome this, analogues of thalidomide (IMiDS; Celgene Corporation) are being developed and tested in clinical trials. These analogues have the promise of improved efficacy with far fewer side effects. One such analogue is CC-5013. In laboratory studies, CC-5013 has significantly more potent effects against human myeloma cells and less side effects than thalidomide. Based on this, a phase I study in patients with advanced myeloma is ongoing at the Dana Farber Cancer Institute. Early results in the first 15 patients treated indicate promising activity. Unlike thalidomide, side effects such as sleepiness, constipation or nerve damage have not been reported so far. A similar trial of CC-5013 is also ongoing at the University of Arkansas for Medical Sciences. A larger multi-institutional study of CC-5013 in relapsed myeloma is expected to open by the end of this year in the United States.
The success of thalidomide in the treatment of myeloma has led to significant interest in the testing of new agents in the disease. At present several novel drugs and strategies are being actively tested in clinical trials. These include anti-angiogenic agents (such as 2 methoxy estradiol and SU-5416), proteasome inhibitors (LDP-341), farnesyl transferase inhibitors, non-myeloablative allogenic transplantation, dendritic cell vaccination and immunotherapy strategies. These developments offer significant momentum for investigators hope for patients and in the war against myeloma.


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Photo by Jason Miller
Courtesy of Stately Raven Bookstore
Rod Berry/Courtesy of Experience Columbus
We go to churches for weddings, funerals, Sunday Mass — events typically associated with a house of worship. But there's also a church where you can buy a great new top. Or another where you can dine on more than just wine and bread. There's even an old Ohio church building where weight-lifting equipment fills the space formerly occupied by pews and kneelers.
Increasingly, churches nationwide are closing their doors due to changes in attendance and high maintenance costs. Ohio has its fair share. Just last March the Catholic Diocese of Cleveland announced it would close 52 parishes by June 2010, leaving buildings packed with history and potential to an unknown fate.
Some of these structures will be demolished. Others will be saved through a concept called adaptive reuse, in which buildings past their prime are renovated and used for a purpose other than that for which they were originally intended. "It's great that there is a way for these buildings to continue serving their communities. That's why they were built in the first place," says Alenka Banco, owner of Josaphat Arts Hall and Convivium33 Gallery, both located in the former St. Josaphat Church in Cleveland.
With adaptive reuse of church buildings, stylized architecture can be restored and neighborhood character salvaged, and the public can reap the benefits of new arts and entertainment opportunities in interesting spaces. Such examples of converted churches exist all over Ohio, and offer the chance to explore buildings you may never have set foot in otherwise.
Josaphat Arts Hall/Convivium33 Gallery, Cleveland
St. Josaphat Roman Catholic Church was built in 1915 for a small Polish congregation. Faced with the exorbitant costs of replacing the building's roof and boiler, the church shut its doors in 1998. Enter artist Alenka Banco, who has long had an interest in religious artifacts but never imagined herself purchasing a church building. In 2002, that's just what she did.
The building now functions as an art gallery and artists' studio space, and is rented out for fund raisers, weddings and receptions, and community events. Banco says she undertook the many cosmetic renovations with respect to the building's former life. The original ceiling mural was patched. Downsized versions of the wood pews still offer seating. The wide-open space lends itself well to the gallery's art exhibits.
Banco is happy to be a part of saving something so meaningful to the community. "Former parishioners visit often. It's very moving to hear their stories," she says. "They're glad they can come back." 1433 E. 33rd St., 44114, 216/881-7838. josaphatartshall.com
Stately Raven Bookstore, Findlay
Stately Raven Bookstore houses its books and reading nooks in what used to be the Emmanuel Lutheran Church, built in 1947. The church expanded and moved on in the late '90s. The building was home to at least two other congregations before Mike and Sharon Cole bought it in 2006. "We were looking for a unique location and a unique structure," Mike says. After nearly a year renovating the space, Stately Raven — named "Best Spot to Read the Good Book" in 2008 by Ohio Magazine — opened in August 2007.
Bookshelves line the floor where pews once stood. The choir loft now serves as a reading loft. The large Gothic windows remain. Perhaps most memorable are the murals throughout painted by Toledo-based artist Beth Covert. Each has a literary inspiration, such as Poe's The Raven (the book that also provided the bookstore's name).
Cole wondered when someone would stop in to reminisce about his or her wedding in the former church. It didn't take long. That customer came in the day the bookstore opened. 1315 North Main St., 45840, 419/427-2814. statelyraven.com
Refectory Restaurant & Bistro, Columbus
This building can't ever again be used as a church, according to a clause written into the deed years ago. That's OK with owner Kamal Boulos, who has been affiliated with the restaurant for more than 30 years. Built in the mid-1800s as Bethel United Methodist Church, the structure was sold in 1971 when its congregation outgrew the space. It first operated as The Olde Church-House restaurant, then was sold and re-opened as The Refectory Restaurant & Bistro in 1981.
Boulos readily admits having faced challenges with making the distinctive space work as a restaurant. "But the trade-off is that you have something so unique in terms of architecture and in terms of history," he says. Stained glass, interior brick walls and hand-hewn wood beams overhead contribute to The Refectory's special feel.
At one point in the building's history, the owners planned to add a disco in the former sanctuary. Lack of funds left those blueprints unfinished — or perhaps it was divine intervention. 1092 Bethel Rd., Columbus 43220, 614/451-9774. therefectoryrestaurant.com
Faith Gym, Akron
Faith Gym owner Al Horvath says it's natural for an old church building to work as a fitness center. "Churches bring people together and do positive things, and that's what we do here," he says. Located in the Akron suburb of Barberton, the gym was created in the previous Moore Memorial United Methodist Church, built in 1892. After its congregation merged with another church several years ago, the building sat vacant for a long time. Horvath rescued it in 2005.
A competitive body-building enthusiast, Horvath feels strongly that mind, body, soul and spirit intertwine. With that idea in mind, he formed Faith Gym, which opened in July of last year. He added to the religious theme throughout the building, combining concepts of faith and strength. Contributing to the uplifting feel of the place are religious paintings of Bible stories, the original stained glass, and a café and lounge for after-workout downtime. Bible study is on Wednesdays at 7:30 p.m. 185 3rd St. N.W., 44203, 330/475-0121. faithgym.org
Urban Outfitters, Cincinnati
Originally built in 1928 as Third Protestant Memorial Church, this building re-opened in 2002 as Urban Outfitters, a retail store for 18-to-30-somethings, featuring trendy clothing, housewares, gifts and accessories. Adjacent to University of Cincinnati's campus, the building also houses a Verizon Wireless store.
The exterior is highlighted by arched doorways and windows and a gabled roof, while inside, stark shelving and ultra-modern lighting help shoppers find everything from fashions and accessories for young hipsters to oddities such as ceramic squirrel salt and pepper shakers and offbeat and risqué books that may raise some eyebrows.
But, amid the mélange of merchandise, history remains. All who enter do so under a great stained glass image of Jesus and pass by a fountain with a message reading, "When you were thirsty I gave ye to drink." And clientele appreciate that. "Customers like the fact that the church wasn't torn down," says employee Cohen Gamboa. "They like the character of the building." 2510 Ohio Ave., 45219, 513/872-0245. urbanoutfitters.com
Common in all of these stories are themes of preservation and respect — for these buildings, for the Ohio neighborhoods they served in a prior life and for the communities they serve now. As Josaphat/Convivium's Banco says, "These buildings change the streetscape and skyline of the city forever, and when they're gone, you can't duplicate that, ever."
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ELIZABETH — Tina Renna works up to 20 hours each week on a website devoted to watching Union County, a job that she says is intense.
"I see myself being a very proactive journalist. I take this to the next level," Renna testified in Superior Court today. "I'm very active digging up information. I work very, very hard," she said, recounting how she talks to sources, attends freeholder meetings and files dozens of requests for government documents.
However, under cross-examination, Renna admitted that in her writing she calls herself a watchdog and activist, and at least once noted a difference between her work and that of a journalist.
"You differentiate yourself from a journalist, do you not," Assistant Prosecutor Robert Vanderstreet asked.
"I do," Renna said.
Renna, president of the County Watchdog Association and a writer for the association's blog CountyWatchers.com is fighting a subpoena from the prosecutor, who wants the names of 16 county employees that Renna claims improperly used county generators following Hurricane Sandy.
In a December blog post, Renna said she had the names. However, she has refused to turn them over, claiming she is protected as a journalist under the state's Shield Law.
Bruce Rosen, Renna's lawyer, said releasing those names would lead to disclosing her sources. Renna is seeking to quash the subpoena directing her to testify before a grand jury.
Supporting her claim of being a journalist, Renna testified before Judge Karen Cassidy that she routinely files requests under the Open Public Records Act to get county information. She also said she has filed seven lawsuits to get information.
Renna, who for years has criticized county government, has posted information about county employees' salaries and pensions and who gets county vehicles. She also questions officials during freeholder meetings. She said the terms "activist " and "journalist" could mean the same thing.
She admitted being a Republican Party committee member in Cranford, and that her husband ran for freeholder twice, once as an independent and then as a Republican. She also admitted campaigning for Republican candidates for Cranford municipal office.
However, while testifying that Democrats have controlled all county seats for 15 years, Renna said she holds no grudge against those elected.
Under cross examination from Vanderstreet, Renna admitted she posted piece about Union County Democratic Party Chair Charlotte DeFilippo, claiming she is a county employee and is allowed to work from home.
The post appeared with a photo of DeFilippo's house, with her car parked in front, in a handicapped parking space, but noted there were no handicapped ramps on the house. Under questioning, Renna acknowledged she never verified whether DeFilippo has a handicap.
Vanderstreet is to continue cross examining Renna Friday.
• Union County blogger fights subpoena over generator investigation
• Appeals court denies Union County watchdog's access to group's records


text: McCool Travel is excited to present interviews with travel industry giants, super frequent travelers, and adventurous persons. For the second profile, I am happy to present Jim Kovarik. Jim co-founded and operates Cost2Go and Cost2Drive, fantastic resources for road trip lovers. His application Cost2Drive calculates the cost of driving anywhere in the US based on … Continue reading


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BJ Shea 02-10-11 9am
34:46 minutes BJ Shea 02-10-11 9am
9 AM Hour : BJ talks about which political party has more problems with sex scandals. A republican state rep thanks her breasts for her political success. Michelle Obama will not let her daughters use Facebook. Guitar hero calls is quits, What is the one video game you can't live without. Cross Talk with Ryan Castle.
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TWELVE YEARS AGO, FATHER JOE Carroll, a San Diego priest, got a phone call from a woman asking him about the homeless shelter his parish was building. She wasn't just idly curious; by the end of the conversation she had offered $500,000 to speed the project along. So Carroll, for one, wasn't surprised when "Angel," the anonymous donor of $2,000 to each and every needy family in flood-ravaged Grand Forks, N. Dak., turned out to be his benefactor Joan Kroc. "It's just her style—quick, spontaneous, anonymous and very generous," he says.
The identity of the donor had been closely guarded since the announcement of her contribution on April 29. But last week reporters discovered that a private jet belonging to Kroc, 68, widow of McDonald's Corp. founder Ray Kroc, had recently landed three times at the Grand Forks airport. Later, North Dakota Sen. Byron Dorgan confirmed that Kroc was in fact the angel. Characteristically, the secretive benefactor had no comment. "She doesn't do these things for publicity," says Carroll. "She does it because she cares, and because she can."
True, on both counts. With an estimated fortune of $1.7 billion, Kroc is one of the wealthiest women in the country. She is also among the most generous. Last year she reportedly gave away $33 million to institutions, including the University of San Diego and the Betty Ford Center. The North Dakota disaster may have touched a particular nerve since Kroc, now living near San Diego, was born and raised in Minnesota. Whatever her reason, residents of the Grand Forks area have been deeply grateful, though not all those who applied were able to receive money before Kroc's initial donation ran out. "Her good deed renewed faith in people," says Grand Forks Mayor Pat Owens, "and kept the community hoping that we could rebuild."
Mystery No More
updated 06/02/1997 AT 01:00 AM EDT
•originally published 06/02/1997 AT 01:00 AM EDT


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The Team,
Field Journals, Related links
The Team
Meet some of the many people that worked on this wind
tunnel test! Read their biographies below. Some people have written field
journals describing their work on the test, below. This gives you different
perspectives on how the test is going!!
To make this come to life even more, we will hold
a series of chats with the team members! To see the chat schedule go to:http://quest.arc.nasa.gov/aero/chats/
Linda S. Bangert,
Aerospace Technologist
Rick Bell, Senior Specialist Engineer,
Mina Cappuccio, Aerospace Engineer
Dan Cooper, Instrumentation Technician
Kevin Copperfield, Intern Machinist
Bruce Gilbaugh, Engineering Technician
Bob Griffiths, Aerodynamics Engineer,
Robert Jercinovich, Instrumentation
Wendy Johnson, Instrumentation Technician,
Langley Research Center
Chris Lockwood, Mechanical
Phillip Luan, Mechanical Engineer
Ed Pasiliao, Aerospace Engineering
Tim Siebersma, Aerodynamics Engineer,
Charles Stangeland, Intern Machinist
Test is Finished!, September 15, 1999, Mina Cappuccio
Tracking the Vortex,
September 3, 1999, Mina Cappuccio
Finishing the Test Objectives,
August 25, 1999, Mina Cappuccio
Smoking out the Vortex,
August 25, 1999, Bruce Gilbaugh
NASA Centers Work Together,
August 19, 1999, Linda Bangert
Midway through the Test,
August 18, 1999, Mina Cappuccio
Planning a Wind Tunnel
Test, August 6, 1999, Bob Griffiths
Instrumentation during the
Test, August 4, 1999, Dan Cooper
The Test has Started,
August 4, 1999, Mina Cappuccio
Checking out the Model,
July 28, 1999, Mina Cappuccio
Preparing to Collect Data,
July 21, 1999, Mina Cappuccio
Introducing TCA-5,
July 14, 1999, Mina Cappuccio
Instrumentation for
the High Speed Civil Transport Wind Tunnel Test, July 9, 1999, Robert
Checking it Twice, July
23, 1999, Phil Luan
Wright Flyer
Online Wind Tunnels Page
Download the HSCT cutout
Journals about a previous test of the TCA
Send a High
Speed Research Cybercard
High Speed Research
The Wind Tunnel Operations
Division, NASA Ames Research Center
The High
Speed Research Propulsion Project at Glenn Research Center
High Speed Research Program,
Langley Research Center


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- Text Size:
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- ALarge Text
A woman was found fatally shot on the porch of a home in Vallejo on Sunday night, police said.
The shooting was reported at 10:21 p.m. Sunday in the 800 block of Butte Street, where officers responded and found the 57-year-old woman dead on the porch, according to Vallejo police.
The woman has been identified as Vallejo resident Lillie Mae Christiansen, police said.
Officers identified a suspect whose home was nearby. They took the suspect, 45-year-old Michael David Wilson, into custody on suspicion of murder and also found the weapon believed to be used in the shooting, according to police.
No other information about the homicide, Vallejo's seventh of 2014, was immediately available Monday morning.


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by Lorna Landvik
What stay-at-home mom wouldn't want to live in a subdivision where the neighbors are her best friends, always ready to lend a sympathetic ear or show up with a gun to threaten an abusive husband? That's life for Landvik's gang of Minnesota women, who meet for a nighttime snowball fight in the 1960s and forge a lifetime bond. The five wives are pretty one-dimensional, but what keeps the story aloft are Landvik's breezy dialogue and indelible sense of place. Less convincing are the gals' book group and the melodramatic letters one wife writes to her late mother; both of these setups are clumsy attempts to further a story as stale and predictable as a humid Midwestern summer. (Ballantine, $23.95)
BOTTOM LINE: Tasty, but empty calories
Picks and Pans Review: Angry Housewives Eating Bon Bons
updated 05/12/2003 AT 01:00 AM EDT
•originally published 05/12/2003 AT 01:00 AM EDT


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Welcome to the Community Loan Fund of the Capital Region
The Community Loan Fund of the Capital Region is a non-profit community development financial institution serving the Capital Region of New York State -- Albany, Columbia, Fulton, Greene, Montgomery, Rensselaer, Saratoga, Schenectady, Schoharie, Warren & Washington Counties. Incorporated in 1985, our mission is to promote sustainable community development efforts for economically underserved people and communities. We provide access to capital by pooling investments and donations from socially concerned individuals and organizations, and re-lending it to non-profit organizations for affordable housing and community services, to micro enterprises for business development, and to individuals for home ownership and repair. We also offer training and technical assistance programs. Explore our work and join us in this partnership by becoming an investor, a donor, or a nonprofit or small business borrower – together we can bring communities to life and life to communities.
Visit us in Schenectady!
In March of 2014, the Community Loan Fund opened a satellite office at 920 Albany Street (the Schenectady County Community Business Center) in Schenectady's Hamilton Hill neighborhood. The office is open Monday thru Friday from 9-5 (unless we're out at a meeting). Please call us at (518) 436-8586 to make an appointment or for more information. We look forward to continuing our work in Schenectady and being part of its revitalization.


text: In 990, Sigeric "the Serious", archbishop of Canterbury travelled back to his English home town from Rome and made a note of the stops along the way in his diary. Today, the route is known as ViaFrancigena, a European culture route. The priory church of Romainmôtier in the Jura Vaudois, the cathedral of Lausanne and St-Maurice abbey in the Valais are sacred, spiritual highlights along the route whilst the climb to the Great St. Bernhard is one of the most spectacular stages from a scenic point of view.


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Would You: Decorate With Taxidermy?Natalie
When I lived in Idaho, I frequented a thrift shop that seemed to specialize in really amazing vintage hunting trophy. Seriously every time I went in I'd find another four-point I simply HAD to have. Though I'm staunchly anti-hunting for "sport," it turns out I am not at all anti-vintage antlers for "decor." I guess in my strange way I feel like by bringing them home with me I am giving them a new life, where they are loved, so that poor deer didn't have to die in vain.
Plenty of my friends would come to my house, see the antlers on the bookshelf (and fireplace) (and above the bed in our bedroom) and eye me warily, like, "is this person for real?" I know, it's macabre and weird. It's also super rad.
Decorating with antlers can be tricky, because one false move and suddenly you're living in some kind of back-woods horror movie. So after the jump, I've compiled some really great inspiration rooms featuring dead animal parts (and also some never-lived options for those of us a little more squeamish than others) to get our heads in the game. Get it? The game? Oh gosh.
Faux Taxidermy 1 of 19We'll ease you into this slowly. How about paper mache?
Photo Credit: Anthropologie
Now For The Real Deal 2 of 19You will notice that not only does this room feature the bust of a deer, but there is also the bust of a person. See? Equal opportunity.
Photo Credit: Elements Of Style Blog
Large Antlers 3 of 19The large scale of this set really highlights the minimalism of the room (and I love that pink wall).
Photo Credit: Your Home
Another Faux Option 4 of 19Sure, this might actually be a sheep. (Very tongue in cheek, no?)
Photo Credit: Rachel Denney
More Than One Makes It a Collection! 5 of 19I like how the trophy have been staggered around the room. They're not the showcase here, they just add to the ambience.
Photo Credit: Decor Pad
Hollister Hovey's Trophy 6 of 19Here is some trophy in the grand sense of the trophy. Big, rich, presiding over the room. That pheasant is glorious!
Photo Credit: Hollister Hovey
Bunny Trophy 7 of 19Here is the part where I aggressively control the urge to quote that one scene Monty Python Search for the Holy Grail. Please, you know the one?
Photo Credit: Etsy
Trophy Art 8 of 19All of the majestic feeling of a deer trophy, with none of that dead animal business.
Photo Credit: Etsy
Jenna Lyon's Trophy 9 of 19Jenna Lyons knows a thing or two about a good trophy. In her closet she chooses what appears to be ram horns. Nice one, Jenna!
Photo Credit: Domino
Giraffe Trophy 10 of 19Also fake. Oh my gosh, could you imagine?
Photo Credit: Mi Casa Revista
Martha's Trophy 11 of 19Well, shoot. If it's good enough for Martha! (Get it? Shoot?) (This is terrible.)
Photo Credit: Martha Stewart
Small Space, Big Impact 12 of 19The perfect spot for a vintage trophy is the small slice of wall you'd otherwise not know what to do with.
Photo Credit: Elle Decor
Antler Lamp! 13 of 19Gorgeous.
Photo Credit: Elle Decor
Why Not Make It Useful? 14 of 19My very favorite thing to do with my vintage trophy is hang ornaments from them come Christmas time.
Photo Credit: The Awkward Bird
Fowl 15 of 19After I went to college my parents got a dog. After my younger sister when to college, my parents got another dog. When my youngest sister went to college, my mother brought home a stuffed goose. This photo makes me think of that.
Photo Credit: Martha Stewart
Fireplace 16 of 19A trophy on the fireplace is, of course, the old classic. Don't look now but I think there's some kind of jaw bone happening stage left.
Photo Credit: B For Bonnie
Gold! 17 of 19And yes, that is a horse (no antlers).
Photo Credit: Accidentally Out Of Love
Add Kooky Wallpaper 18 of 19It looks good!
Photo Credit: Elcy Ford
In a Girl's Room 19 of 19I mean, shoot! (Get it? Shoot?) (Oh deer.) (OH YES I DID!)
Photo Credit: Kristin Sjaarda
So tell me, would you decorate with taxidermy?


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So many laugh-out-loud moments fill the first two-thirds of "The Other Guys," you forgive this new Will Ferrell comedy for not having a third act. Instead, it slips in a crash course about Wall Street greed under the closing credits, which doesn't have much to do with the movie, but feels like a surprise bonus -a little tutorial to make up for whatever dumbing down may have occurred.
Turns out, there hasn't been much. Thanks to Ferrell, co-star Mark Wahlberg and writer/director Adam McKay, "The Other Guys" is smarter than the typical clich mix of shootouts and car crashes, otherwise known as a mismatched-buddy-cop comedy.
The shootouts and car crashes are all here, orchestrated scene for scene as homages to great urban-action directors. The movie begins with Samuel L. Jackson and Dwayne Johnson as ultracool detectives Highsmith and Danson, embodying every superhero stereotype in the NYPD playbook.
Unfortunately for Highsmith and Danson, under the cool shades, basic black wardrobes, tattoos and earrings, they have something other than brains for brains. This results -spoiler alert! -in a couple of accident-scene body outlines on the sidewalk, almost before the opening credits end.
As pudgy milquetoast detective Adam Gambell, Ferrell favors sitting at his desk doing paperwork to anything more testosterone-intensive. Wahlberg is his hot-headed but judgment-impaired partner Terry Holtz. Holtz -along with everyone else in the precinct -can't stand Gambell as he sits at his computer, humming as he types away.
It's this element of incredulity that gives "The Other Guys" a wiggy, out-of-left-field eccentricity. Never knowing what's coming next breathes new life into its tired old good-cop, bad-cop formula.
(The good-cop, bad-cop routine is, in fact, the launch pad for one sequence. In another, Ferrell points out that actual explosions and fireballs are nothing like what happens in the movies, as he lies on the ground writhing and whining.)
Ferrell is a master of this sort of earnest goofiness. He's the kind of guy who's oblivious to how drop-dead sexy his wife (Eva Mendez) is, but will sing a ridiculous, tear-jerking Irish ballad at the neighborhood pub with absolute sincerity.
Straight man Wahlberg reveals new dimensions of his own talent. His dead-on deadpan reaction shots, not to mention his own slightly bent issues are lost in the shadow of Ferrell's genius -but are a key element in the movie's giddy, lovable rhythm.
Their offbeat pacing and chemistry go a long way toward camouflaging the fact that the case they're working on is as baffling to the audience as it is to them. We know it has something to do with a sleazy British billionaire (Steve Coogan) doing the Wall Street shuffle. Wait a minute -could that be what those graphs under the closing credits are all about?
And does that mean the real joke is on us?
No matter. Following Steve Carell in "Dinner for Schmucks" last week, Ferrell and company's bravura work here signal new energy on the comedy front.
Cultivated on television, with guys like Lorne Michaels and Judd Apatow guiding the baby steps of the folks who have become today's A-listers, these new film comedies are notable for their smarts, their whimsy and their heart.
Hormonal high-school dorks and mean-spirited sadists no longer have a stranglehold at the comedy box office. They're getting a run for the money from a whole lot of brilliant artists willing to get deeply in touch with their inner demons, insecurities and neuroses as well as their better selves.
The movies may not be great - hey, they're comedies - but they do provide a sort of fun that you don't feel guilty about later.
Unfortunately, this vein of comic gold doesn't quite stretch to "Cyrus." This bent romance concocts an offbeat triangle between Will Ferrell's favorite co-star, John C. Reilly; the always wonderful Marisa Tomei; and Jonah Hill as her live-at-home man-child son, Cyrus. Scene-stealing Catherine Keener co-stars as Reilly's ex-wife, who was smart enough to leave him a long time ago.
Sigmund Freud feels like a silent writing partner with co-director-brothers Mark and Jay Duplass. Hill's Cyrus - whose physique is reminiscent of a Macy's Thanksgiving Parade balloon -is more creepy than funny as the passive-aggressive protector of home, hearth and mommy.
While Cyrus' motivations are readily apparent -and fixable with years of therapy -what's harder to fathom is what the effervescent Tomei sees in Reilly's sad-sack suitor. His self-doubts and bleak outlook feel contagious -hardly a nice trick to play on audiences that have come to the movies for a few laughs.
* Contact Rick Chatenever at email@example.com.


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No matter where you are on life's journey, you are welcome here. "Historic First Baptist Church"
What we believe
The Bible is the inspired and only infallible Word of God and our
rule and guide for Faith, Life and Doctrine.
There is one God, eternally existent in three persons:
Father, Son, and Holy Spirit.
In the deity of our Lord Jesus Christ, His virgin birth, His sinless life,
His miracles,His vicarious and atoning death, His bodily resurrection,
His ascension to the right of the Father, and in his personal future
return to this earth in power and glory.
The only means of being cleansed from sin is through repentance
and faith in the blood of Christ.
In water baptism by immersion(if physically able to do so).
In the sanctifying power of the Holy Spirit by whose indwelling the
Christian is enabled to live a holy life.
In the blessed hope - the rapture of the church at Christ's coming.
In serving the Lord's Supper to any person who believes Jesus Christ
is their Lord and Savior.
In worldwide evangelization.


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Tony Pate, of Liverpool, caught and released this tiger muskie while fishing for bass in Willow Bay on Onondaga Lake on June 18. He caught it on a 3/8 oz. gold spinner bait. He said it weighed "just shy of 20 pounds."
He wrote: "I was fishing just after a rain storm. I caught two more that day. This is the only time I have caught muskie on that lake."


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If you have any news, press releases, events, documents, links or other information resources related to volunteerism in Yemen, send them to us at email@example.com and we will post them here.
Related articles
15 December 2006
Volunteers: A real inspiration in Yemen by Nisreen Shadad
Sana'a, Yemen: "Volunteers are the real inspiration for all of us. Volunteering is about people and beliefs…it's about people believing to make a difference. All of us – no matter what our work or spatiality or area of work – can volunteer and make a difference," says United Nations Resident Coordinator in Yemen Flavia Pansieri. Read article12 December 2006
Volunteering gives Yemen the crucial push by Kawkab al-Thaibani
Amran, Yemen: Each year, thousands of volunteers work on projects across Yemen, giving their time and energy to a variety of projects. And last week, these volunteers were recognized for their selfless contributions, on International Volunteer Day, December 5. Read article15 December 2005
Volunteer in Yemen? 'Please be serious!' by Walid Al-Saqqaf
The word 'volunteer' is rarely appreciated or even understood by many Yemenis. Observers believe the current environment in Yemen does not encourage volunteerism due to high unemployment, extreme poverty and lack of basic services. Read article
From: Yemen Times21 December 2004
More about: Infrastructure Policy
Women's voluntary association opens in Yemen
Amran, Yemen: To mark International Volunteer Day, Mark Malloch Brown, Administrator of the United Nations Development Programme (UNDP), recently inaugurated Al-Amel Women Voluntary Association and gave recognition to the work of UN Volunteers (UNV) programme in Amran, Yemen. Read article


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Single Article Purchase:
The Limited Utility of Fibrinogen I 125 Leg Scanning
Blaisdell F.
Arch Intern Med. 1979;139(2):143-143.
Published online February 1, 1979
Choose criteria for pricing info
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Obtain AMA PRA Category 1 Credit™ by reading an article and completing an online quiz. Quizzes are available to AMA Members, subscribers, and those who have purchased tokens.


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Because of an article on /., I looked again at the top500.org list for
November 2007 and when looking at [url]http://www.top500.org/stats/list/30/os[/url]
which is the list for the OS, I saw 381 Linux. However I also say next
to that 60 SUSE systems. Not bad I would say when you compare it to the
13 RedHat systems that are mentioned.
Microsoft says, "Where do you want to go today?"
Apple says, "Where do you want to go tomorrow?"
FOSS says, "Are you coming, or what?"


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0 comments
Photographer Dave Birt captured the match action as Chasetown FC travelled to Staffordshire rivals Newcastle Town.
The Lichfield Garrick had been named the most welcoming theatre in the West Midlands.
Victory for Burntwood campaigners as replacement bus service is announced
Councillors to discuss plan for new coach parking site in Lichfield city centre
New sculpture goes on display at the Lichfield Garrick
Chasetown FC back to winning ways after victory at Market Drayton Town
Shoppers in Lichfield to help decide how £30,000 carrier bag fund is split between local good causes
Burntwood RUFC XV beaten by Tamworth
New partnership aims to attract more visitors and boost Lichfield's economy by £46million
County councillor joins fight to save "vital" Burntwood bus service
Barton United return from Coventrians with all three points
In pictures: Burntwood RUFC 3rds v Birmingham Barbarians
Copyright © 2015 LichfieldLive


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Phillip Phillips' Admirals concert among Monday's new show announcements
"American Idol" Season 11 winner Phillip Phillips is going to be seeing a lot of Milwaukee in the next few months.
Phillips, whose sweeping smash folk single "Home" became the most downloaded coronation song in "Idol" history, was already scheduled to open for Matchbox Twenty at the Riverside Theater Feb. 9, and now he's been booked to play a post Admirals game concert at the BMO Harris Bradley Center March 22. (That's good news for Phillips fans, since the Matchbox Twenty show is sold out.) »Read Full Article
Calling all bartenders: Cocktail Week contest to use Wisconsin ingredients
The second annual Great Sconnie Sip-Off, which challenges state bartenders to create original cocktails using all Wisconsin (or Wisconsin-produced) ingredients, this year takes place during the first Milwaukee Cocktail Week, on Sept. 23.
Competition organizer Dy Godsey, who writes the Fun Behind Bars blog, said, "Shining a light on Wisconsin's talented mixologists and the bounty of our state is an objective that is very dear to me." »Read Full Blog Post
Day 40: CBS and Time Warner strike blackout deal
The blackout of CBS-owned stations and Showtime on Time Warner Cable ended Monday when the two sides reached an agreement in their dispute, according to The Wrap.
The nearly monthlong dispute involved fees paid by the cable company to carry a channel's programming and control of digital assets. »Read Full Blog Post(9)
On Tap for Today: Last sighs of summer with Brewers, county fair and Doggie Dip
It's Labor Day. Time too celebrate the achievements of American workers.
How to celebrate? That's the question. Used to be you'd put away all your white pants and throw a couple burgers on the grill but now white pants are fashionable all year long. You can still host a barbecue or you could enjoy any of these other events today: »Read Full Blog Post(2)


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Last week, I told you about a major opportunity in the emerging markets. Despite steadily growing their contributions to the global economy during the past five years, stock markets of the BRIC countries (Brazil, Russia, India and China) have taken a beating in 2012. All told, the exchange-traded fund (ETF) iShares MSCI BRIC Index (NYSE: BKF), for instance, is down more than 33% since 2007.
Assuming the world's financial system staves off another global catastrophe like we saw in 2008, now could be a good time to pick up some of the world's fastest-growing stocks at incredible prices.
This isn't the first time we've seen an opportunity like this either. Take a look at the charts below.
The chart on the bottom shows the price of iShares Emerging Markets Bond ETF (NYSE: EMB) compared with the price of Guggenheim BRIC ETF (NYSE: EEB).
As you can see, investors haven't been this bearish on BRIC stocks since 2008... and that was at the heart of the recession. Back then, EEB fell from a high of more than $52 a share to an all time low of $17 a share.
Within a year, EEB rallied back up to more than $42 a share... a 147% gain in a slightly under 12 months. By comparison, the S&P 500 only returned 48% during that period.
As of July, investors are in fear. The European debt crisis, a slowdown in China, high unemployment in the United States and a whole host of other economic problems have scared investors out of BRIC stocks and into bonds.
This trend can't last forever. The BRIC countries are growing... and fast. In the past 10 years, the BRICs have contributed to half of the world's growth. That trend isn't going anywhere either. The BRIC economies will likely constitute 40% of the global gross domestic product by 2050 -- up from 20% today, according to Goldman Sachs.
Once the global economy starts to rebound, it shouldn't take long for investors to return to these markets.
Risks to Consider: Economic uncertainty has weighed on the valuations of the emerging markets lately. Until there's a clear sign of a recovery, it could be a while before investors return to BRIC equity markets.
Action to Take --> It's estimated that BRIC economies will overtake the developed economies that make up the G7 by 2027. Once the economy gains some momentum, we may never see BRIC stocks traded at such depressed valuations again.
If you're thinking about investing, then the easiest way to gain exposure to this space is with an ETFlike SPDR S&P BRIC 40 (NYSE: BIK).


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We're coming up on the preseason dress rehearsal game at home against the Browns this Saturday. For the casual fan, week three of the preseason is typically the most you'll see the starters play before the season opener.
Head Coach Chuck Pagano is expecting many of the front line players to see some extended playing time. "Normally, what you'd like to do is play a half, go in, make your adjustments and come out and play a series in that third quarter," he said.
Pagano said it's more about play counts than quarters, and added that, "We always take it case-by-case. If we got a veteran guy that is over a number that we've deemed from a play-count standpoint before the half, then we likely get a guy out.
"A guy like Cory (Redding), a guy like Reggie (Wayne), those type of guys that have got enough snaps under their belt. Typically, go in, make your adjustments, come out, play a series in the third quarter and start to make substitutions from there."
As the game draws near, there are a few players building momentum and others who are still searching for it. We'll take a closer look at a little of each, and get kind of a fun take on Caesar Rayford, as well as some injury updates from Coach Pagano.
Building Momentum: Andrew Luck
Andrew Luck posted a 133.7 quarterback rating and threw for two touchdowns against the Giants on Sunday, but he was quick to point out that one of those scoring passes bounced off New York cornerback Aaron Ross. "Glad we could put some points up," Luck said. "Obviously, a fortuitous bounce on one of the touchdowns. I think we improved on Week 1. That's always a plus, but still a lot of room for improvement. Still got to get better."
Despite all the praise Luck has received in the past couple days for his brief but solid showing, he has already targeted some areas in which he wants to improve this week. What else would one expect from Luck? "I think third down, third-and-short to third-and-long, making sure we can convert some third downs," he said. "That's so important in keeping drives alive. Then red zone passing, making sure we're completing balls in the red zone and getting touchdowns."
Those are all great areas to focus on, but, as one media member pointed out, what about that quarterback slide technique? (Luck did more of a 'quarterback charge forward and fall over' after a 14-yard scramble against New York) "(Laughs) I think it always will be a work in progress," Luck said. "I do need to work on that."
Banged up Fleener Stymied but Never Discouraged
It seemed one of the top sports stories in Indianapolis yesterday was 'What's wrong with Coby Fleener?' By most accounts, Fleener appeared poised to make a significant second year jump, and he backed it up in training camp.
Then there came the first preseason game, where he suffered a concussion. On Sunday, Fleener injured a knee. Along the way, there were some surprising drops, and suddenly, people here and there are writing him off – not everyone, mind you, but they made their presence known on sports radio call in shows.
Yesterday, the young tight end was upbeat and ready to put these last two weeks behind him. "Enormously frustrating, to put it lightly I guess," Fleener said of his recent struggles. "I think the only thing you can do is try to learn from your mistakes and work and get better and move on."
He didn't pretend to have any excuses when asked if there are things the casual viewer can't see going on when someone like himself drops a pass. "In the good majority of cases where you say he should have caught that one, I probably should have caught it," Fleener said. "There's some nuances to it of some things that we see that you guys may not see, but any ball that's thrown your way, you want to catch it."
Fleener has held himself accountable and avoided falling back on his injuries, so I'm going to do it for him (but only a little). The guy wasn't quite at 100% and just had an awful preseason game. At his worst in 2012, he was generally better than that. Even if he doesn't wind up improving much versus last year (and based on his training camp, improvement is very likey), once he's at full speed, he'll look better than he did the past couple weeks.
Running Backs and Offensive Line Looking for Improvement
Obviously, the running backs had a rough outing on Sunday, averaging a collective 2.3 yards per carry (excluding Luck's run). Some of it was on the offensive line, as is generally the case when the backs struggle that badly, but Vick Ballard believes there are things he can do to improve against Cleveland.
"Yeah, last game, I had four yards," Ballard said. "That's not a day I wanted to have. I think we're going to be a little more productive this game. I think this week we're paying more attention to detail. It's the smaller things that will enable us to do so."
Offensive tackle Anthony Castonzo has played well by most accounts and is widely considered to be the team's best blocker. He was asked what needs to be done for the run blocking that the average fan might not see. "Yeah, it all just comes down to just finishing the blocks just a second longer, keeping the holes open, letting the running back get a little more daylight. Once we do that, it'll come."
Certainly, the running backs and offensive line will be determined to have a better showing this week. It's nice to hear that neither unit is pointing fingers at the other. Their main weapon is still the quarterback, but he could certainly use a little help from the run game.
Get to Know Caesar Rayford
For anyone who reads these things, it's no secret that I'm a fan of Rayford. His combination of long shot, underdog appeal and raw physical talent (and being 6-7 267) is more than a little intriguing, and, as it turns out, he is very candid as well. Here are some of his quotes from yesterday when he talked extensively with the media (I really did leave a couple out, honest), followed by a cool quip from DE Cory Redding. Get ready to go off the script.
Rayford on being another case of the Colts front office finding talent wherever it may be: "Oh yeah, definitely. I always tell the story, you got the guys that get the front door. You got the guys that get the back door. Then you got guys like me that got to climb the house and jump through the chimney. Hopefully, that landing doesn't hurt too bad and get back up. It's definitely blessed for the opportunity and getting found."
Rayford on what drives him: "Just the passion. I love football. Just to drive myself. I always thought, I've always felt like I was a good football player. So I've always had this mental struggle with myself to prove it to myself to keep working, keep working and just trying to excel to be great and excel to play at the top of my game."
Rayford after being told he looks more like he belongs in the Pacers locker room: "I did play basketball. I was recruited out of high school for basketball. I still play basketball a lot in my offseason. That's like my conditioning because I do love playing some basketball. That was my first love."
Any good at basketball? "I was alright," he said. "I was cool. I worked my tail. I was a defensive player so I was what you call a garbage man. Go after the boards, put it back in. Definitely love playing some basketball." They then jokingly asked Rayford if he was a Dennis Rodman type of player. "Correct," he answered laughing. "There you go. Right there."
Rayford on whether he ever played offense in football, like, say, wide receiver: "I did play a little tight end. I just had more passion on the defensive side. In high school a couple times, I'd catch the ball and get dinged in the knee a couple times and I was like, 'I don't know if I want to do that.' I definitely had a passion on defense because I'm always just relentless and go and don't think and just go and make plays. I definitely like the defensive side."
Rayford on being closer than ever before to his dream: "This definitely is the closest first time for everything. It's definitely awe. It's definitely awe and I'm truly blessed to be in this opportunity and try and make the best of it."
On whether he allows himself to think about the possibility he might make the team: "Oh yeah. You've always got to think positive like that. If you don't think that way, you see yourself going out real quick. Just got to say hey, every day is a challenge. Every day is a new day. Every day got to make plays and got to do what I can to make this ball club."
When asked whether he's done enough to stand out this preseason, Rayford was serious and echoed Chuck Pagano's concerns about his run defense ability, saying, "I feel like I've done some things and I feel like there are some things that I need to work on. Definitely the transition because being in arena, it's pass, pass, pass. I think my big transition is to be stout and set the edge on the run. I feel like I turned some heads. Still, there's some work to be done and can't be complacent. Just got to keep pushing."
Lastly, Cory Redding was asked if he was cheering Rayford on, so to speak. There are a million canned, safe answers to give here. "I'm cheering him on big time," Redding answered. "That's what I said in the locker room. We're trying to find guys that are going to be with us down the road. He's one of those guys. He's battling every day.
"You can barely tell he's in the building. He don't say a word. He's in his playbook. He sits in the meeting room and takes all the notes. He just goes out on the field and just produces. That's what we have him in here for. We got to trust that he stays on top of his technique and his plays so that when he gets his opportunity to go out there, he can make the best of it which he did in the last two games."
Wait a second, there, Cory, this guy just talked everybody's ear off. One media member said that (Redding's description) was a bit surprising, since Rayford seems like such a great talker. "He talks with his plays," Redding said. "He isn't saying nothing to me. I say hello to him every day."
Injury Updates from Pagano
Pagano addressed injuries in his opening statement. "Good afternoon, good to see everybody," he began. "Injury update, (Coby) Fleener is the same. He's day-to-day. Dwayne Allen, we'll start to work him back into practice this week. We'll monitor his reps. Lawrence Sidbury, again, he's going to get a second opinion. We'll know more on him either later in the week or early next week. More than likely doubtful for this game, probably won't play. And then Fili (Moala), we took off of PUP and we're going to start to work him in. Don't anticipate, unless something drastic changes, him playing this week but good to have him back off PUP and work him back in the mix."
Pagano added that although he practiced some, he doesn't currently expect Ahmad Bradshaw to play against the Browns.
On much anticipated rookie linemen Hugh Thornton and Khaled Holmes, Pagano said, "They're day-to-day. They're doing a lot better than they were. It looks like we might be able to get Hugh back involved in some things this week. Again, it's day-to-day but I think Hugh is a little bit ahead of where Khaled is and should be able to get in there. Whether he'll play this weekend or not depends on how he progresses throughout the week."
So, just about injured player is day-to-day right now. Bradshaw and Moala aren't likely to play this week, and Lawrence Sidbury's injury could be a serious one, since he is seeking a second opinion.
All quotes are courtesy of the Indianapolis Colts Public Relations Department.
You can find @ColtsAuthority, the always-talkative @MarcusDugan and all of our fine staff on Twitter.
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This winter I have received several reports from Missourians of trumpeter swan sightings. The birds migrate from more northern states as open water freezes, although some will remain in northern areas if warmer water is available. These largest of North American waterfowl seem to be more plentiful in our area this year. The species is not new to Missouri. As recently as the late 1800s, trumpeters nested regularly here, but they disappeared as nesters with loss of wetland habitat, market hunting and increasing development. The species was near extinction by the 1930s.
About four years ago we had a single nesting pair in North Missouri, but most of the birds that winter here still nest in more northern states or Canada. Iowa is the probable source for most of our winter swans as they are one of several states with a successful breeding and restoration program. Some birds, from restoration programs, may have colored bands around their necks. Reports of sightings of those birds can be made to the U.S. Geological Survey website.
Trumpeter swans are often found in family groups, with two bright white adults and several "dirty" white juveniles. The Riverlands Environmental Demonstration Area, near the Mississippi River at St. Louis, can hold as many as 300 to 400 wintering swans. Swans were reported this year from Arkansas and from Missouri locations at the Lake of the Ozarks and sites in Phelps and Cole counties.
Other white swans that may be observed in Missouri include the tundra swan and the mute swan, a native of Europe that has been introduced into North America. Several characters are used to correctly identify the white swans. The Trumpeter Swan Society's website provides identification tips. Similar to the bald eagle's recovery, the majestic trumpeter swans are a species that more Missourians may observe in the coming years. Waterfowl hunters, in particular, should be aware of the potential for encountering these large, white, protected swans at wetland areas. Care should be taken not to confuse them with the much smaller snow geese.


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JD/MBE Bioethics: Department of Medical Ethics & Health Policy in the Perelman School of Medicine
Legal and ethical issues in the health field have become increasingly complex and unmistakably current. Professionals versed in both fields are prepared to lead these debates and offer sophisticated solutions to problems with an inter-disciplinary knowledge base.
The Masters of Bioethics is an interdisciplinary degree offered by the Department of Medical Ethics & Health Policy in the Perelman School of Medicine. This degree gives students broad exposure to the diverse topics and issues in contemporary Bioethics, excellently complementing the Law degree for those interested in careers in health law and in health and medical ethics policy.
Penn Law gives credit for four courses in Bioethics toward the JD. The Bioethics degree itself requires nine courses, including four courses that can be taken in the Law School curriculum. In most cases, students in the joint program can earn the Masters of Bioethics and the JD degrees in three years.
Students apply separately to each department. Applications to the Bioethics program are welcomed contemporaneously with the Law School application or during the 1L year. The LSAT is sufficient for both departments; no additional testing is required.
Here is a typical track for completing the program.
|First year
|Second year
|Third year
|Course Work
|2L & Bioethics courses
|3L & Bioethics courses
Additional Information:
- Bioethics Department
- Bioethics Admissions
- Contact: Autumn Fiester, Director of Graduate Studies
- To talk through scheduling/registration details and how this joint-degree program might complement your JD from Penn Law, please contact Amanda S. Aronoff, L'95, Associate Director of Cross-Disciplinary Programs at email@example.com.


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Wall Street Decline Takes Its Toll...
LC-MS Gains Favor Due To the...
As Immunotherapy Revolutionizes the Cancer Treatment...
Expanding Use of NGS Has Largely...
Sartorius Stedim Biotech reports that it was awarded the highest certification for ecological and sustainable building by the U.S. Green Building Council for its new facility in Yauco, Puerto Rico. According to the LEED certification system, an internationally recognized green building program, the new building was certified as "LEED Platinum." As a result, Sartorius is the only company worldwide to have a LEED Platinum-certified manufacturing facility for the biopharmaceutical industry, according to the company.
Sartorius invested $20 million in the new production building, which was officially opened last summer. Covering an area of 5,000 square meters, or some 55,000 square feet, the new building complex provides space for two new cleanrooms for filter and bag manufacture, labs, and offices.
From the beginning, ecological aspects played a role in the project, said Volker Niebel, member of the Executive Committee of Sartorius Stedim Biotech. Special attention was given to conserving water and energy resources, he added. The building complex in Yauco has been designed to save approximately 85% of water consumed in comparison with conventional facilities, continued Niebel, noting that it uses harvested rainwater and air-handling unit condensate for cooling cleanrooms and supplying gray water to facilities, as well as for irrigation purposes. "The building's climate control technology, special building materials, and perforated metal fins and diaphanous screen walls that reduce sunlight contribute to energy savings," he said.
Sartorius Stedim Biotech covers approximately 10% of its energy needs for the new building with a photovoltaic system, which is installed on the factory roof.
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Star Tracks: Monday, May 16, 2016 42 years, 2,191 covers and 55,436 stories from PEOPLE magazine's history for you to enjoy
Latest News!
- Senate Avoids Government Shutdown by Passing Stopgap Spending Bill With $1.1 Billion for Zika Research
- Read the Cover Story: Brad & Angelina Split After 12 Years: It's Over
- Black-ish Star Yara Shahidi Explains Why Zoey Doubting Her Faith Is 'What Most Teenagers Go Through'
- Sharon Osbourne Says She's 'In a Really Good Place' Two Months After Taking Ozzy Back: 'I Adore Ozzy'
- Brad Pitt 'Cooperating Fully' with DCFS Investigation, Including Drug Test Request
People Top 5
LAST UPDATE: Tuesday February 10, 2015 01:10PM EST
PEOPLE Top 5 are the most-viewed stories on the site over the past three days, updated every 60 minutes
- August 31, 2009
- Vol. 72
- No. 9
Picks and Pans Main: TV
Wizards of Waverly Place's David Henrie Get Your Magic on
Lifetime, Thursdays, 10 p.m. ET/PT |
It may be true—to quote supermodel and sage Heidi Klum—that one day you're in, the next you're out, but Project Runway's comeback wound up taking almost a year. Since season 5's finale, the Runway buzz has been less about fashion than entertainment law: The move from Bravo to Lifetime threw the whole thing temporarily into the courts. Now relocated to Los Angeles (with a new, franchise-building spinoff, Models of the Runway, airing right after it), the show isn't noticeably different from, well, last year's model. Tim Gunn remains one of the few great achievements of reality programming: a combination of mentor, valet and saint who's able to slip in gently pointed little critiques like, "I'm worried this is going to look like a halter diaper."
The first night's challenge was to create a red carpet gown in two days for $200, and the result was wall-to-wall bad taste. But that's the fun of the runway.
CBS, Sundays, 9 p.m. ET/PT |
Prediction: In the near future, every American will have agreed to become a reality-show guinea pig in exchange for a shot at a lucrative prize. Here, eight Atlanta families are cut off from the world by a 20-ft.-tall fence and thrown into competition for $250,000. It's like Everybody Loves Raymond meets Survivor. At least Neighborhood is livelier than the new reality show opposite it on ABC, Shark Tank, an exercise in entrepreneurial fulfillment with all the palpable thrill of Monopoly money.
Discovery, Aug. 24, 9 p.m. ET/PT |
You may have glimpsed Kara Cooney's work last season on Lost: This Egyptologist was consulted about the hieroglyphics in that temple where Smoke Thing hangs out. In this entertaining documentary series, she hits an impressive number of sites worldwide, following the thread of cultural influences born in ancient Egypt. The first episode, on relics, includes a visit to an animal necropolis and offers the tidbit that medieval Europeans would grind up imported mummies and ingest the compound as medicine. Waste of bandages.
Chiefly of interest—to me, anyway? Reality nightmare/chanteuse Heidi Pratt performs.
Male escort Ray (Thomas Jane) finds himself needing romantic advice.
Sad, troubling documentary series about people trapped by a compulsive need to hold on to everything.
New season following the adventures of the Hollywood stylist.
Season finale. Our handsome Hamptons doctor (Mark Feuerstein) treats a hallucinatin' lady.
>NBC's chief legal analyst, 43, has just launched GossipCop.com with journalist Michael Lewittes to police the world of gossip.
WHY GOSSIP COP? There's a real need for accountability. More and more people try to be outrageous rather than accurate.
WHO IS THE VICTIM OF THE MOST FALSE GOSSIP? Jennifer Aniston is a constant target. And Madonna. It tends to be women more often than men.
ANYTHING FALSE EVER WRITTEN ABOUT YOU? There was definitely an erroneous story about my dating life. It was all made-up. But look, I have pretty thick skin.
>• The chef, 67, has cause to celebrate. She stars in America's longest-running continuous cooking show.
THE SECRET TO SUCCESS I keep the show fresh, real and doable. I want to have fun but I want to teach too.
HER FAN CLUB I get e-mails saying, "Will you marry me?" I put them on the refrigerator and say to my husband, "Just step out of line, buddy, and you'll see. I can walk anytime!"
20TH-ANNIVERSARY PRESENT I have a new kitchen. I told Emeril [Lagasse], "You may have a band, but you don't have a kitchen like this!" The best thing is the sink is in the front, so there are no more butt shots.
>• Showtime's superb comedy-drama ends season 1 Aug. 24. Playing a tough, bleary, pill-popping nurse, Edie Falco (right) was flawless. So was Eve Best as a doc with a refined sense of both fashion and irony.
>• Henrie, 20, sets aside sibling rivalry in the Aug. 28 Disney Channel movie.
ON HIS AND SELENA GOMEZ'S CHARACTERS GETTING ALONG The message is that no matter what, family is there for you, and it is portrayed really well in the movie.
ON FILMING IN PUERTO RICO It was warm weather, warm ocean. The people are proud of their country, so they want you to eat all of their food. I love to eat, so I did that, and I took windsurfing lessons.
ON HIS INTERNATIONAL FAN BASE I went to Italy last year and hung out with my cousins. Kids recognized me and came up to me speaking Italian. That is insane! But it's the same reaction as you get here.
More in the Archive
Today's Photos
September 28, 2016
Princess Kate, Plus Chris Pratt, Kendall Jenner, Adele and More!
Treat Yourself! 4 Preview Issues
The most buzzed about stars this minute!


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Ore Explorer for Linux
Ore Explorer for Linux Full Description
Excellent logic arcade game,improve your intellect.
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Excellent intellective arcade game,improve your intellect. Jack the young explorer has decided to collect a kind of ore for his country. This kind of ore is very rare in the world only distributing in forest,desert,iceberg,volcano and outer space. Meanwhile a lot of monster already starting to getting this ore. So Jack got to start his exploration as quick as possible. What will happen? No one can answer this question. Now it's up to you use your intelligence to help Jack finish his exploration. What are you waiting for?Let's start!
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The pleasant "Habergschwänd – Talsee" trail, which can also be reached by chairlift from Filzbach, imparts information about the geological phenomena of the Kerenzerberg: illustrative examples concerning the formation of the Talsee, the geological composition of the area's rocks and the immense forces responsible for Alpine folding.
The careful planning of a tour will ensure that you also derive the maximum pleasure and enjoyment from it. Please take the time to contact the local information centre and enquire about route and weather conditions before setting off. Your intended trail may be fully or partially closed, depending on the time of year and weather conditions.


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How to Pick the Best Credit Card
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Depending on who you ask, a credit card is either a very useful financial tool or an incarnation of the devil. Your perception of credit cards is often colored by your personal experience, as it should, and it's easy to see how a mountain of debt could make one despise credit. I've always seen them as useful tools, powerful in the hands of a responsible credit card user, and dangerous in the hands of someone unfamiliar with how they work. If you want a primer on credit cards, I invite you to read the Foundation series post, Basis of Credit and Debit Cards Explained.
This Foundation Series post will explain how to pick the best credit card for your needs. (after a discussion of whether you should even get a credit card!)
Should You Even Get One?
Not everyone can use a credit card responsibly. In fact, the credit card companies work very hard to sign up the people who can't use it responsibly because it improves their profit margins! I like to think of credit cards like a firearm. In the hands of someone who understands the power and danger of a firearm, it's a tool that can be used very safely and very responsibly. In the hands of a novice or someone unfamiliar with its power, it's dangerous to everyone, including the wielder. Credit cards are just like guns. To treat it any more lightly is to make a mistake, just ask anyone who has racked upany amount of credit card debt.
How do you know if you should get one? If you know you will only spend as much as you can pay off at the end of the month, no exceptions, then you should be OK. If you know you won't ever carry a balance, you should be OK. If you aren't sure, then you should forget about getting credit card. It's a slippery slope, you don't want to spend years extricating yourself from a few bad decisions. All the cashback rewards and all the convenience of credit is wiped away in a single moment if you can't be responsible with it.
Picking the Best Credit Card
Always look at the terms and conditions of the card. They are required by law to put information in roughly the same format and in easy to understand language, the terms and conditions are your friend. You can use other tools to filter out cards for you but at the end of the day, you need to read the terms and conditions because they are subject to change and those tools aren't required to keep things up to the minute accurate.
Never get a card with an annual fee. I don't think any card is worth an annual fee. I don't think the airline mileage cards are worth it but I've never had one, but I don't think it makes sense to pay a company $65 so I can figure out their arcane rewards system and for them to dilute the points after I've earned them.
If you don't carry a balance ever…
… then you're really analyzing a credit card for the rewards. If you have been budgeting, you can determine your general spending categories and select the card that makes the most sense for your habits. For example, if you spend a lot on gasoline than you may want the Discover® Open Road card because you get 5% cash back on gasoline up to the monthly limit. If you spend a lot at Costco, then you'll want to get their TrueEarnings Card from Costco and American Express because you'll get cashback at Costco.
If you don't budget, you should start and here's a Foundation post on How to Budget. If you don't have an idea of where you're spending your money, you can't pick the best cash back credit cards for your spending habits… because you don't know your spending habits!
If you are carrying a balance…
… then you're really analyzing a credit card for the balance transfer offer and the APR you'll be paying when the balance transfer offer ends. Here are the four numbers you need to know for your balance transfer:
- Balance transfer fee: This is the fee they will charge you immediately after you request the transfer. The standard rate is 3% with a $5-$10 minimum and either no maximum or a $75 maximum.
- Balance transfer interest rate: This is the interest rate your balance will accrue at. Ideally you want to get a 0% balance transfer but a 3.99% or a 2.99% rate may be good too if it's for a longer period of time.
- Balance transfer period: This is how long your balance transfer interest rate will be valid for, typically six or twelve months, but some cards offer periods "for life," meaning the life of the balance.
- Purchase interest rate: This is the interest rate you will be charged on your purchases if you carry a balance from month to month. When the balance transfer period expires, your balance is treated like any other and accrues at this interest rate.
Should you care about purchase interest APR if you plan on paying off your balance? Yes, I think it's admirable to think you'll pay it off in the promotional period but you always want to plan for the worst, hope for the best. The plan for the worst is that you won't pay it off and you'll be subjected to the purchase interest rate.
Analyzing Rewards Programs
Credit card companies play a lot of games with reward "points" and their reward catalogs. I'm a firm believer that the best rewards are cash and so the best reward credit cards are the ones where you can get cash back rather than points based on your purchases. However, the number of cards offering cash back is dwindling and so the next best option are cards that offer gift certificates to places you already buy from.
The standard credit card reward offer is 1 point for $1 of spending, which equates to "1%." If you can get a $100 gift certificate for 10,000 points, you've converted it on a 1:1 basis (you spent $10,000 to get the points and you're getting a $100 gift certificate, which is one percent). Credit card companies will begin to dilute your points when they require 12,000 points for a $100 gift certificate or $10,00 for a $80 gift certificate. They can also dilute your points by requiring 10,000 points for a product that may retail for $100 but that you could buy on Amazon for $75.
If you have any student debt, the Citi ThankYou Network has "student loan certificates" that are paid out on a 1:1 basis, the best conversion rate possible for a rewards program.
If you're choosing between cards of the same rewards network (American Express is all Membership Rewards, Citi is their ThankYou Network, etc.), then there's no point in analyzing the rewards programs. If you're choosing between cards with different percentage rewards, such as a 5% vs. a 3%, the reward differences won't be greater than the percentage difference. This comparison only makes sense if you're comparing two similarly percentaged rewards systems.
I didn't make many recommendations on the best credit card because the best credit card will depend on you and your habits, not the recommendation of some guy on the Interwebs. I did make some suggestions, based mostly on my own spending habits, but I recommend that you research the offers yourself and find the best one for you, perhaps using my suggestions as a starting point if your habits are similar to mine.
One thing to remember is that there's never a rush. Plenty of people live very happily and many people prefer to live without a credit card, so there's no compelling reason to rush out and apply for the first credit card you see. Take the time to understand the card, it's terms, and the ramifications of getting a credit card.
If I missed a point or if you have a tip, I'd love to hear it. Please leave a comment below!
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