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4 Things I Learned About BI Strategy from Playing Scrabbleby Monique Morgan
I enjoy a good game of Scrabble, whether with a friend or with a fellow enthusiast online. Recently in a really close game, I was able to clinch my victory by strategically placing an "x" to spell "xi," earning me a final 27 points. Though I'm no expert at Scrabble, I've picked up a few strategies that apply to the business intelligence world:
1) Planning matters.
Scrabble is all about planning and strategy. You may have a great word lined up on your rack but you can't just play it anywhere. You need to plan ahead, consider your opponent's next move and the remaining open spaces on the board. Similarly, your business needs to plan ahead and BI software facilitates that planning. Just like you lay out your Scrabble tiles over and over to plan for maximum word score, budgeting & planning software allows finance teams to perform monthly re-forecasting and rolling forecasts that help your business adjust to changing market conditions. The automation built into BI software makes it possible to be more forward-thinking since there's more time for analysis and less manual data entry and consolidation.
2) Analyze the changing environment.
So you've just made your move and now you have to refresh your rack with new letters. The board has changed and so have your options. In Scrabble, your playing environment constantly changes just like in the real world. How quickly can your business react to market changes? BI software like arcplan enables what-if, best case and worst case scenario planning, which are critical to an enterprise's long-term stability and growth. What about trend spotting? Maybe you notice your opponent tending to place 4-letter words, allowing you to somewhat anticipate his or her next move. Spotting and reacting to trends is crucial for businesses that want to compete. Do you have an analytic tool in place that allows you to visually spot patterns, analyze data on the fly for underlying causes, and make decisions that will move your company in the right direction? When businesses first get to know arcplan, the application we show them is a dashboard app that features an ad-hoc component. This app allows users to explore the patterns they see on their dashboard in greater detail. Business intelligence provides insight beyond just reporting; it's the analysis that helps you make sense of the data and get insight that enables better decisions.
3) Consider your returns.
Let's go back to my 27-point play with two letters. For those familiar with the game, you could have easily calculated that I placed the "x" at a triple word score space. Had I placed the same letter on a regular tiles, I would have only scored 9 points. In the same manner, you want to pursue BI projects that produce favorable returns on investment. We've previously posted a series on ROI here on our blog, which highlights the importance of profitable BI. In some cases, that means pushing for projects that will have the highest ROI first, so you'll be more likely to get future projects approved. In other cases, that means breaking up complex and costly projects into phases that will have provable ROI. Maximizing your return is a sound business (and Scrabble) strategy.
4) Collaboration is key.
I've seen words on the Scrabble board that I never knew existed until my opponent played them. Words like "faqir," "teeid," "qat" are now burned into my brain and I'm able to use them in my favor in future games. Likewise, there's so much you can learn from your colleagues, facilitated by BI software. Collaborative BI expands business intelligence to all information consumers in your company and is a new way for information to be shared across the organization. Gartner predicts that by 2013, 15% of BI deployments will combine BI, collaboration and social software into decision-making environments. Our own arcplan Engage makes structured and unstructured information from various data sources searchable, providing easy access to reports, dashboards, e-mails, videos, and more to even the most casual users for analysis, reporting, and decision-making. So one users' reports can benefit other uses, who are free to leave comments, ratings, and enhancement requests. In this way, BI software can enable collaboration in a different way than enterprise collaboration platforms like SharePoint do now. Collaborative BI is all about data and analysis sharing, not just knowledge management.
Do you see parallels between BI and other games? Leave us a comment and wish me luck in my next game of Scrabble!
About Monique MorganI'm the Marketing Project Manager at arcplan and work out of our Wayne, PA office. I'm originally from Jamaica but came to the US for college and I've been here ever since. I'm the voice behind a lot of arcplan's videos on YouTube - check them out here: http://www.youtube.com/arcplan.
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Category: Stock Graphic, Illustrations
Stock Graphic >> Illustration - Monster Halloween Couple Characters 76140 by Kakigori Studio @ CreativeMarket
File Size: 10.58 MB; Layered: Yes; DPI: 300 DPI; Vector: Yes.
Three monster Halloween Couples ready to party at Halloween
Zip includes.
- 3 Illustrator EPS file (EPS8)
- 3 PNG files with transparent background
- 3 JPG files with white background.
The PNGs and JPGs are 300 dpi.
*Text and frame are not included
Keywords: monster, halloween, couple, character, love, zombie, undead, skull, day of the dead, cartoon, vector, girl, boy, spooky, costume, party, skeleton, happy, fun, pin-up.

subset: commoncrawl


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SAE J1134 1992 Edition, February 13, 1992
Complete Document
(R) SAE Nodal Mount
Includes all amendments and changes through Reaffirmation Notice , April 2000
Published By:SAE International (SAE)
Page Count:3
1. Scope--This SAE Recommended Practice establishes a single bolt pattern for the No. 1 clutch housing (see Figure 1) and the No. 2 clutch housing (see Figure 2).
These four bolt patterns are designated to give commonality of mounting brackets in existing frame rails.
The 420 mm (16.5 in) span, pad face to pad face, allows the ease of installation in existing frame rail widths. This is also the minimum spacing which will accommodate commonly used clutches.


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Steve Jobs' Frank Emails Could Cost Apple Serious Money
In a string of antitrust cases against Apple, emails sent by the late founder and CEO Steve Jobs have been used as evidence against the company.By Steven Sparkman | December 1, 2014
A nearly-decade-old class action lawsuit against Apple is finally about to go to court, and the star witness for the plaintiffs will be the man synonymous with the company, Apple's late founder and CEO Steve Jobs.
The plaintiffs accuse Apple of using unfair business practices to establish a monopoly in digital music back in the mid-2000s.
Basically, they claim if an iPod owner bought digital music from anywhere other than iTunes, Apple sabotaged their ability to play that music on their device, deliberately stifling competition.


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Hailed as one of the "10 Best Fall Harvest Festivals in the Nation" in 2015 by USA TODAY, the annual Apple Festival is a celebration of the autumn harvest and Bayfield's agricultural heritage. But what exactly makes it so great? Is it the charming small town atmosphere? The famous Grand Parade featuring a "Mass Band"? The countless booths of fresh apple pies, tarts, caramel apples, ciders and other fall treats? Well, YES! Make plans now to experience for yourself all that makes Applefest unquestionably one of the best festivals in October… well, anywhere!Can't make it to Apple Festival? Then come any time during September and October to savor the beauty and bounty of Fall in Bayfield . Enjoy apple picking, apple sampling, and cider tasting among the explosion of fall colors throughout Bayfield's orchard country. Take advantage of our special Fall Harvest Lodging Packages and indulge in hearty autumn menus offered by Bayfield's gourmet eateries.©2016 Bayfield Chamber of Commerce & Visitor bayfield.org The mission of the Bayfield Chamber of Commerce and Visitors Bureau is to promote, support, and expand community business activities which are compatible and consistent with the special image, traditions and culture of the community. 42 South Broad St | P.O. Box 138 , Bayfield , WI 54814 | 715-779-3335
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September, 2016 . Early apples in store, gift shop is stocked with jams, jellies, many specialty Wisconsin foods. Swiss Family Smoke has brought cheese and sausage! Sample apples. Click on this link for available ApplesTo pick up of large order of apple pizzas, please call at least 24 hours ahead: 608-735-4637. Our own original "Apple Pizza" is famous as a delectable dessert treat. It starts with a crust, covered with a layer of the best apples in season, covered with our special buttery topping with slivered almonds, sugar and spices, then topped off with soft caramel. Also serving coffee, apple pies,cookes and caramel apple dish. Also serving coffee, apple pies,cookes and caramel apples and caramel apple dish.September, 2016. In our Bakery - apple pizzas, turnovers, cookies, caramel apples, caramel apple dish, and pies! You can enjoy your bakery while enjoying the view of the sunflower/corn maze, orchards and the Kickapoo hills.2016. We now stock wine, hard cider, brandy, gin and other "spirits" made using our Kickapoo Orchard apple cider. Also find here: Wisconsin jams and jellies, honey, maple syrup, sorghum, cheese, sausage, bake mixes, popcorn, candy, caramel, mustard, T-shirts, hoodies, kitchen gadgets, hand-made soaps and lotions.
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Located in the heart of Wisconsins Apple Country in Gays Mills, Sharons Red Apple Inn offers delicious food seven days a week. Family owned and operated, Sharons Red Apple Inn serves everything you could possibly want for breakfast, lunch and dinner and more!
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Talkative Lianne and colorful gay Osmond become fast friends when they meet at the first Gay Pride Parade in Malate in the early 80s. For the next thirty-plus years of their lives, theyll do everything together, whether its eating, shopping, discussing life and even looking for the perfect man! So inseparable are their pair that even their mothers become best friends too.
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A disillusioned killer embarks on his last hit but first he has to overcome his affections for his cool, detached partner. Thinking its dangerous and improper to become involved with a ... See full summary »Set in 1960, the film centres on the young, boyishly handsome Yuddy, who learns from the drunken ex-prostitute who raised him that she is not his real mother. Hoping to hold onto him, she ... See full summary »Yiu-Fai and Po-Wing arrive in Argentina from Hong Kong and take to the road for a holiday. Something is wrong and their relationship goes adrift. A disillusioned Yiu-Fai starts working at a tango bar to save up for his trip home. When a beaten and bruised Po-Wing reappears, Yiu-Fai is empathetic but is unable to enter a more intimate relationship. After all, Po-Wing is not ready to settle down. Yiu-Fai now works in a Chinese restaurant and meets the youthful Chang from Taiwan. Yiu-Fais life takes on a new spin, while Po-Wings life shatters continually in contrast. Written by Perry Yu <email@example.com>
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Gay lovers Ho (Leslie Cheung) and Lai (Tony Leung) are en route to tourist spot Iguaza Falls in Argentina when they have a falling out.... Read MoreThis netted him a Best Director award at Cannes, and yet more praise for Chris Doyles amazingly fluid camerawork. Working entirely outside his native country for the first time, the film tracks the stormy course of a gay relationship between two homesick Chinese in Buenos Aires who are all too often anything but happy together. Happy Together is nothing less than a life affirming masterpiece The Observer.Was very impressed over the use of black and white images in among other colorful shots in the colorful world. The change of colors usually says a lot in the cinematic world. And in this movie, the director definitely depicts the characters inner world with such color scheme.Funny how very few people in Malaysia truly understand and let alone watch Wongs movies. Our movie censors are busy people alright. Thematic and deeply moving, this movie shook the very core belief within me about homosexuality. Would anyone out there know how I can get my hands on the soundtrack?In order for this site to work properly, and in order to evaluate and improve the site we need to store small files (called cookies) on your computer. Over 90% of all websites do this, however, since the 25th of May 2011 we are required by EU regulations to obtain your consent first. Click on Close to accept and continue browsing the site.
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Gay lovers Ho (Leslie Cheung) and Lai (Tony Leung) are en route to tourist spot Iguaza Falls in Argentina when they have a falling out.... Read MoreThis netted him a Best Director award at Cannes, and yet more praise for Chris Doyles amazingly fluid camerawork. Working entirely outside his native country for the first time, the film tracks the stormy course of a gay relationship between two homesick Chinese in Buenos Aires who are all too often anything but happy together. Happy Together is nothing less than a life affirming masterpiece The Observer.Was very impressed over the use of black and white images in among other colorful shots in the colorful world. The change of colors usually says a lot in the cinematic world. And in this movie, the director definitely depicts the characters inner world with such color scheme.Funny how very few people in Malaysia truly understand and let alone watch Wongs movies. Our movie censors are busy people alright. Thematic and deeply moving, this movie shook the very core belief within me about homosexuality. Would anyone out there know how I can get my hands on the soundtrack?In order for this site to work properly, and in order to evaluate and improve the site we need to store small files (called cookies) on your computer. Over 90% of all websites do this, however, since the 25th of May 2011 we are required by EU regulations to obtain your consent first. Click on Close to accept and continue browsing the site.
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Prejean admitted to making the video of herself and sending it to her boyfriend when she was 17 years old. The tape surfaced during a negotiating session with the Miss California pageant officials over a lawsuit Prejean filed against the organization for stripping her of her crown earlier this year. When the tape's existence was revealed, Prejean dropped her suit and settled with the officials, who reportedly paid her $100,000 to go toward her legal expenses.'Nothing is private' "You can call it whatever you want to call it. If you want to call it a sex tape, that's fine," Prejean told Vieira. "I sent it to my boyfriend at the time. I was a teenager. I cared about him. I trusted him," she added. "I think now they call it 'sexting.'Prejean, dressed in a deep blue blouse, black skirt and spike heels and wearing a small silver cross around her neck, also said that pageant owner Donald Trump conducted a sort of private pageant with contestants, hand-picking the best-looking women to go into the finals, even before the judges made their decisions.'Campaign against me' Prejean was on TODAY to talk about her just-published book , "Still Standing: The Untold Story of My Fight Against Gossip, Hate and Political Attacks." And even before admitting that making the video was a mistake, she accused her enemies of using it to attempt to silence her.She was referring to April 19 and the finals of the Miss USA pageant, when celebrity blogger Perez Hilton asked her opinion of same-sex marriage. Prejean cited her Christian beliefs in saying she believes that marriage should be between a man and a woman. Hilton responded later by calling her a "dumb b---h."Video: Miss California blames photographer Prejean would finish second in the pageant, and she said she was punished for exercising her right to free speech. She cited the same enemies when racy photos of her later emerged: one showing her dressed in just panties with her back to the camera, another showing her with her breasts exposed.Donald Trump, the owner of the Miss USA and Miss Universe pageants, saved Prejean's Miss California crown. But she soon lost that, too, when pageant officials accused her of not meeting her contractual obligations. Prejean then sued, accusing pageant officials of libel, slander and religious discrimination, alleging that she was dismissed for her religious beliefs. The pageant countersued, demanding that she pay them back for the breast enhancement surgery they paid for."The biggest thing and the reason I wrote this book is Americans believe their beliefs are under attack, and this is proof," she told Vieira, adding that the sex tape is another example of what her enemies will do to attack her. Video: Miss California speaks out
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In this famous Caravaggio painting, The Calling of Saint Matthew , Jesus Christ is calling Matthew out of the only life he has known to a life he can hardly imagine. Are you being called to new life in Jesus Christ?Michelangelo Merisi da Caravaggio's The Calling of Saint Matthew hangs on the wall of the Contarelli Chapel in the San Luigi dei Francesi Church in Rome. The painting is displayed next to two other Caravaggios that depict the life of the apostle and evangelist: Saint Matthew and the Angel and The Martyrdom of Saint Matthew .The Calling of Saint Matthew visually depicts the New Testament account in Chapter 9 of Matthew's own Gospel. Christ enters a tax collector's office. He sees Matthew and speaks only two words to him: "Follow me." Caravaggio presents this singular moment in Matthew's life as one that is both personal and universal. The painting reveals a turning point in the life of one man and also in the history of all men.Caravaggio's St. Matthew paintings stunned the art world when they appeared in 1602. No one had painted images, especially sacred ones, with such frank realism and emotional immediacy before. The sharp division between light and dark, referred to as chiaroscuro, was a radical device in Caravaggio's day, but it soon became a hallmark of the Baroque period. The style would be employed by painters who were Caravaggio's contemporaries, known collectively as "the Caravaggisti," as well as by future artists such as Rubens, Rembrandt, deChirico, Ansel Adams, Alfred Hitchcock, and Martin Scorsese.Caravaggio's use of light does not draw our eyes upward to heaven the way Fra Angelico's angels or Raphael's Madonnas do. His light brings heaven down to earth. The viewer does not stare in awe at a miracle that takes place on a faraway cloud; he is now part of that miracle. Caravaggio's figures, whether they are saints or the Virgin Mary or Christ himself, are as earthbound as the viewer. Their feet are worn and callused by the earth they tread. Their backs are strained. Their faces are lined. Life is a struggle, and it is in that world of persistent toil and rare reward that the divine becomes visible. Miracles occur where they are least anticipated: on a dusty road to Damascus, in a small roadside tavern in Emmaus, or at a tax collector's desk in Capernaum.For the most part, Caravaggio depicts a Matthew who is not yet on the move. The light on Matthew's face reveals that he has just acknowledged the Lord's call, though reluctantly, and that the light has somehow changed him. His future may be uncertain, but the roadhouse melee, the company of like-minded businessmen, and the pile of coins spread out before him are already losing their luster. They are quickly becoming a part of Matthew's past.A man wearing a fur-collared coat leans over Matthew's right shoulder in order to examine the transaction that is taking place on the table. The man's furrowed brow and squinting gaze stand in contrast to Matthew's raised forehead and wide-open eyes. Unlike Matthew, the man goes on with his business, paying no mind to the visitors, but he senses that something out of the ordinary is happening at the table. He adjusts his spectacles to get a better perspective. When he does, the light catches his hand and his face. His hardened visage begins to warm up.The young man, as well as everyone else who sits at the table with Matthew, is experiencing something eye-opening and life-changing. What they will do with that something depends on what happens next. The painting does not take us beyond that instant in time. We can only wonder what took place after Christ spoke those two seminal words, "Follow me." Who stayed? Who looked up? Who followed?
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Before I start this story, Ill tell you about me and my girlfriend. I am five foot seven, medium build, not a body to die for so I guess this is why this happened while on holiday. My girlfriend Nikki, however, is gorgeous. Shes five foot six, hot slim body, a really nice ass, 36C boobs that I could play with all day. We left, excited, for our holiday, our first one alone as we normally ...Read OnAs the last shots of cum squirted from his wet cock, Jerry groaned and squeezed the handful of my hair that he'd been holding. I love sucking his cock, but I can't get my mind off of Bill's huge cock! Last weekend was so wonderful and so sexually exciting that I can't think of anything else. I must talk to Jerry about spending a weekend with Bill and Karen sometime. I swallowed the final ...Read OnI am staying in a hotel that requires a key to get up in the elevator to the guest rooms (a real pain for role play), but I figured out a way to get around it and it turned out really hot. I was having no luck on here setting up a connection in Atlanta so I placed an ad on Craigs List and set up two no strings attached blowjob visits in my hotel. The first guy was to come over at 4:45 ...Read OnAfter dropping my mom off at the airport I thought he would come home expecting dinner and sex. I was wrong and things where going get even hotter. While we ate dinner he looked at me and said, Ive seen you talking and flirting with my friend, Kyle, do you like him? I responded, Yeah. My stepdad swallowed the bite he was eating and asked, Do you want fuck him? Would you if I called? ...Read OnI haven't ever had someone make me cum so many times and hold back his own pleasure until he knows my pussy cannot take anymore and I beg him to stop. He asks me, Do you want me to stop? I plead with him not to. He seems shocked as he has fucked me for a full hour and I still want more. I want his cock, his kisses. He has already picked up on my sighs and whimpers. He knows when I tell ...Read OnMy story begins in my last school year. Although intelligent, a good sportsman and reasonably good-looking, I was also immature, both physically and socially, with generally low self-esteem. As other boys experienced growth spurts at about 12 or 13, my spurt did not begin until I was in University. As other boys got girlfriends, I could only envy them. I could not talk to them with ...Read OnA few weeks ago I wrote about an experience I had with a well-hung man in a restroom. Several days later I told my wife what happened and admitted that I was disappointed I didn't finish him in my mouth. Not only did she like it, but she wants to take it to another level. Within days she had me watching videos and reading how to give blow jobs. Next came the butt plugs - each one slightly ...Read OnSo, its my last day... Toby smiles, biting his lip, knowing full well by now that it drives me crazy. Our burgeoning relationship makes for an interesting atmosphere at work. We both know we have to keep it as quiet as possible till his work experience is over, but the secrecy just makes it all the more exciting. So far weve been incredibly well behaved, mainly keeping out of ...Read On
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This weeks Daddy Of The Week, Matthew Rush, is definitely on the bigger side in more ways then one. His massive and solid muscle body paired with his impressive dick is guarenteed for a good show in pretty much everything he's in. He's so massive in fact that when he did a (crazy hot) scene with with Zeb Atlas it was probably the first time Zeb looked only immense rather then inhumanly large. And that's saying something! He's kinda known as a power top but he makes a very vocal bottom which is why he won "Best Versatile Performer" a couple years back at the Grabbies! Here's a couple of my favourite shots and gifs from his career. If you like Matthew Rush, check out our past winners below
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emotional incest by patricia love
John Bradshaw defines emotional incest as a child being their parent's "surrogate spouse". When mom or dad does not get the emotional attention that they feel they deserve or crave from their partner, or they feel angry at them, they then lean on their child for attention, love, and emotional support. As you can imagine, this will send all kinds of negative hidden messages to children, as well as cause them to feel stuck in unhealthy emotional patterns when relating as adults.As a result, when using the " relationships as a mirror " model of relating, the child will find themselves repeating this pattern throughout adulthood in several different ways. They will find that they are the 'plan B' in certain intimate relationships, and they will also create 'plan B' scenario's for themselves should their 'plan A' relationships fail, up to and including doing the same thing to their own children. They have been taught to objectify others since they too were objectified, and will suffer from anxiety in intimate relationships as a result of this insecurity and low self value. Additionally, they may find themselves creating drama as the 'plan B', as any attention is better than no attention from their partners.There is hope though, an adult who finds themselves in the midst of these emotional patterns can break the cycle. The first thing they may experience is anger at either their parent that used them or their current intimate partner that they feel is relegating them to a 'plan B' status (or both). In order to use EFT and tap on the issue, they will first need to eliminate the resistance that this anger and lack of control brings up. They may want to stay angry at their abusers as a means of punishing them or regaining their power.Even though I feel that it's not fair that I was responsible for my parent(s) feelings all the time, and that I was not allowed to have problems of my own, that I had to grow up early, I choose to love, accept, and forgive myself.Second, they will need to tap on their inadequacy issues for always feeling like a 'plan B', and thus never feeling good enough to be intimately involved as a 'plan A'. There may also be inadequacy issues for feeling like an object, a piece of furniture to be used for some sort of gain or retribution.Even though my parent(s) used me against each other as a weapon, a means of punishing each other and getting their attention, I choose to believe that I am not an object, but a beautiful being of love, and I love, accept, and forgive myself.Also make sure to tap on any fear that the child might have in intimate relationships. They may be afraid that their partner has a 'plan A' waiting in wings, or they may be afraid of losing the relationship altogether should they rock the boat or heal the issue.Lastly, there may be some guilt lingering inside of them for various reasons as well. The abused party may feel guilty for finding their own 'plan B' relationships, or they may feel guilty for abandoning their parents or partners who have been using them for love as a 'plan B'. After all, they felt needed, even if it was an unhealthy need.
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Pauly Upton intends on winning the Irish title this month before then returning back to Ireland with the title to defend it. ________________________________________________________________________________ The 27-year-old super-welterweight, like his brothers Sonny and Anthony, is fiercely proud of his Irish heritage and spent much of his decorated amateur career across the water. However, he is yet to fight in Ireland as a professional…
Pauly Upton Looking To Win Irish Belt In Honour Of His Grandad
Pauly Upton says he will dedicate the Irish title to a special someone should he defeat Terry Maughan in Northampton this Saturday night.
The unbeaten super-welterweight's grandfather, Liam 'Gills' Upton was a leading amateur for the Emerald Isle during the 1950s and '60s and Pauly says he'll give his all to make him proud. He is looking forward to boxing in Ireland again one day, but for the meantime Upton said:
"My grandad is getting older now so it would be nice to win that belt and take it down to him, I'm sure he'll be thrilled to see the title and to have a professional Irish champion in the family. He boxed hundreds of times as an amateur and won most of his fights, but he never turned pro so I can't wait to turn up on his doorstep with the title over my shoulder."
With his younger siblings, Anthony and Sonny, also pressing towards title opportunities, Pauly admits there is some friendly rivalry, but he's confident of becoming the family's first titlist. He said:
"We all have a bit of a laugh about it and there's some friendly banter. They want to be champions too so it'll nice to the first. I'm the oldest and I was the first to make my debut so winning a belt first will be brilliant and I can't see any reason why I can't pull it off."
He concluded:
"Terry Maughan is obviously a good opponent and he's got experience of boxing over ten rounds, but I've seen a clip on him on YouTube and I think I have the tools to beat him and take that belt home."


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While Obama Is Playing Defense On Gas Prices, Americans Are Feeling The Pain At The Pump
Today, CBS's Bob Schieffer Pointed Out The Hypocrisy Of Obama Criticizing Republicans For Attacking On Gas Prices While Then-Candidate Obama Did The Very Same Thing In 2008.CBS'S BOB SCHIEFFER: "Good morning again. Welcome to Face the Nation. David Axelrod is the President's chief campaign strategist. He joins us from Chicago. Welcome, Mr. Axelrod. Let me start with this. As the price of gas has gone up, the president's approval ratings have gone down. But when the Republicans started pummeling the president about this, he sort of poked fun at them. Here's what he said last week." PRESIDENT OBAMA: "They tell the same story. They head down to the gas station. They make sure a few cameras are following them. And then they start acting like we've got a magic wand and we will give you cheap gas forever, if you just elect us. Every time. Been the same script for 30 years. It's like a bad rerun." SCHIEFFER: "But here's the irony, Mr. Axelrod. It is like a rerun because this is what Candidate Obama said about George Bush four years ago." SENATOR OBAMA: "All the while, while here in Ohio, you're paying nearly $3.70 a gallon for gas, two-and-a-half times what it cost when George Bush took office." SCHIEFFER: "So, what about that? So, what is the strategy? Is the price coming down? Do you have a plan to do that? I mean, in the short run?" DAVID AXELROD: "Well, first of all I'm interested to hear that clip because in June of 2008 the price of gas was $4.10 a gallon. What it underscores is the fact that we're in a global oil market. And when we're dependent solely on oil, we're affected by the rate shocks again and again and again. And what he said then, what the President said then, and what he's enacted during this administration is that we need a… an 'all of the above' policy so that we can break this dependence on oil."Continue reading on www.gop.com


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United States District Court, S.D. New York
April 8, 2014
STARR INDEMNITY & LIABILITY COMPANY, Plaintiff,v.AMERICAN CLAIMS MANAGEMENT, INC., Defendant.
Justin Klein, Thomas Cahill, Satterlee Stephens Burke & Burke LLP, New York, NY, for the Plaintiff.
Thomas J. McCormack, Seth Kruglak, Chadbourne & Parke LLP, New York, NY, for the Defendant.
DENISE COTE, District Judge.
Plaintiff Starr Indemnity & Liability Company ("Starr") invokes the work-product doctrine and the attorney-client privilege to support its claw-back of documents produced in this litigation. For the reasons set forth below, Starr's application is denied with a limited exception.
This action, filed on February 1, 2013, concerns allegations that American Claims Management Inc. ("ACM") improperly handled 77 insurance claims on behalf of Starr pursuant to a claims services agreement. Fact discovery is currently scheduled to close on April 22, 2014.
During the March 27, 2014 deposition of Michael Haliskoe ("Haliskoe"), a claims manager at Starr, Starr objected to ACM's use of a July 2012 e-mail chain ("E-mail") between Haliskoe and another Starr claims manager, Deborah Clark ("Clark"), which made reference to a letter prepared by Starr's local counsel in Michigan ("Letter"). Following a teleconference with the Court, the deposition proceeded without questions about the E-mail, and the parties made written submissions regarding Starr's claim that the E-mail and Letter were protected by both the attorney-client privilege and the work-product doctrine.
The Letter, which was also produced to ACM in discovery, is four pages long, dated July 23, 2012, and written to Clark. The Letter begins by describing the attorney's assignment, which was to review a number of no-fault "PIP"[1] claims summaries. These were large loss claims for catastrophic injuries. The Letter can be broadly characterized as giving business advice. The Letter's author draws on his familiarity with fraudulent claims and identifies red flags for Starr to be aware of when conducting an audit of ACM's work for Starr.
Two paragraphs of the Letter contain references to a Michigan statute and practices of judges in applying its terms. But, these paragraphs are not the focus of the Letter. Significantly, the E-mail makes reference to only the business-related conclusions of the Letter, not the limited discussion of the statute.
Starr relies principally on the work-product doctrine in seeking to redact the portions of the E-mail that make reference to the conclusions of the Letter. It also relies on the attorney-client privilege. Each issue is addressed in turn.
Work-Product Doctrine
The work-product doctrine grants qualified protection to "materials prepared by or at the behest of counsel in anticipation of litigation or for trial." In re Grand Jury Subpoena Dated July 6 , 2005, 510 F.3d 180, 183 (2d Cir. 2007) (citation omitted); see Fed.R.Civ.P. 26(b)(3)(A). A document is prepared "in anticipation of litigation" if, "in light of the nature of the document and the factual situation in the particular case, the document can fairly be said to have been prepared or obtained because of the prospect of litigation." United States v. Adlman , 134 F.3d 1194, 1202 (2d Cir. 1998) (citation omitted). The work-product doctrine does not protect documents "prepared in the ordinary course of business or that would have been created in essentially similar form irrespective of the litigation." Id. at 1202. The party invoking the doctrine bears "the heavy burden" of establishing its applicability. Grand Jury Subpoena , 510 F.3d at 183.
Starr has failed to carry its burden of proving that the Email or the Letter is protected by the work-product doctrine. The Letter does not state or imply that it was prepared because of the prospect of anticipated litigation between Starr and ACM, and Starr has not presented any affidavit to support a different assessment of its context. Rather, as the author explains, he was merely asked to review claims summaries. Accordingly, neither the E-mail nor the Letter is protected by the work-product doctrine.
Starr makes essentially two arguments in response, neither of which is persuasive. First, Starr attempts to connect the Letter to this litigation. It points to the fact that it conducted five audits in July and August of 2012, that the Letter was written during this time period, and that this litigation grew out of the audits. But, Starr regularly conducts audits as part of its business. The existence of an audit does not indicate that the Letter was written because of the prospect of litigation. Any other conclusion would sweep all correspondence with counsel during audits into the work-product doctrine.
Second, Starr cites Grinnell Corp. v. ITT Corp. , 22 F.R.D. 74, 77 (S.D.N.Y. 2003). Nothing in this Opinion, however, is in tension with Grinnell. Starr has failed to meet its burden to show that the Letter was not prepared in the ordinary course of its business.
Attorney-Client Privilege
The standard for invocation of the attorney-client privilege is well established. It protects communications "(1) between a client and his or her attorney (2) that are intended to be, and in fact were, kept confidential (3) for the purpose of obtaining or providing legal assistance." Brennan Ctr. for Justice at NYU School of Law v. U.S. Dep't of Justice , 697 F.3d 184, 207 (2d Cir. 2012) (citation omitted).
The mere fact that attorneys are involved in a communication does not cloak it with privilege. To qualify for the privilege, a communication must be "generated for the purpose of obtaining or providing legal advice as opposed to business advice." In re County of Erie , 473 F.3d 413, 419 (2d Cir. 2007) (emphasis added). In determining the purpose of a communication, courts consider "whether the predominant purpose... is to render or solicit legal advice." Id. at 420. "[L]egal advice involves the interpretation and application of legal principles to guide future conduct or to assess past conduct." Id. at 419. As above, the party invoking the privilege bears "the heavy burden" of establishing its applicability. Grand Jury Subpoena , 510 F.3d at 183.
Starr has failed to carry its burden of proving that the Letter and E-mail are protected by the attorney-client privilege. The Letter largely offers assessments of the claims. But, as explained above, these are business assessments, not legal advice. Similarly, the E-mail refers only to the business conclusions in the Letter. Thus, neither document is protected by the attorney-client privilege, with the following exception: Starr may redact from the Letter the two paragraphs on page 3 discussing the Michigan statute. To the extent that Starr seeks to protect any other document from discovery, it shall follow the guidance set forth in this Opinion.
Starr's invocation of the attorney-client privilege and the work-product doctrine is rejected with the two exceptions noted herein.
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EVERYTHING WAS WORKING FINE. But 2 days ago the following problem is displaying on my users desktop when they try to open 15 Mb project files
An unexpected error occured during command execution.
Try the following:
Verify that all argument names and values are correct and are of correct type.
You may have run out of memory. To free up available memory, close programs, projects, or windows that your aren't using.
I reinstall Project nothing changed
I rename the user profil nothing change
User has proper prvileges in his diredstories
When I try to open file it asked me a password. No password has been inserted in these files
Thank you for helping me
MS project 2003 Error
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Bubble Town Part 2 episode 21 Tips and Strategies
- App name: Bubble Town
- Developer: iwin
- Genre: Puzzle
- Release: Jan 10, 2009
Let's play Bubble Town on iOS. In this part of the walkthrough, you will learn more tips and tricks while playing the Bubble Town game on the iPhone.
Part 2 episode 21 Walkthrough
This page contains Bubble Town video walkthroughs for iOS (iPhone/iPad) called "cubix robots for everyone season 2 episode 21 wishes and epu dreams part 2" and has been uploaded on Jon D. Musso official channel at Nov 20, 2013.
Still need help with this level? Here you can ask questions and discuss with other Bubble Town users.
Hit like if this helped you!
Stuck on some levels in Bubble Town? This walkthrough can help you finish the game.


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Anyone who regularly reads my blog knows how I feel about pink beige (and now the 17 True Colour Experts from my class these past 3 days can see it a mile away as well) you'll never find it in any of my interiors. And it's because it's the most limiting undertone to work with. It completely cancels out any shade of yellow or orange and was big in the 80's paired with teal and burgundy. So if you inherited it in your house (or want to update what you have), here are some images that will help you turn it from dirty into happy:
If you want to make sure you get your undertones right, download my ebook here.
If you would like your home to fill you with happiness every time you walk in, contact me.
To make sure you get your colours right in your next consultation, get some large samples!
If you would like to learn to how choose the right colours for your home or for your clients, become a Certified True Colour Expert.
48 Responses to In Praise of (Latte) Pink Beige
Everytime I read your blog I learn something new! Thanks for sharing your expertise.
I say rip it out!!! Tile not so easy to do that with, but I personally hate carpet, so any of that can go!!! I paint everything, we lived in our last house for 18 mos, it was a rental but I painted every single surface not only once but twice. The first time because I could not live with pinky beige flat paint for 18 mos so I customized to our tastes, the second time I had to paint it back before we moved. I will add I was 9 mos preggers when I had to paint it back, but I did it nonetheless. And it was totally worth it!!!
I totally agree with you. Pinky Beige is difficult to work with and rampant in a lot of houses! I just worked on a kitchen with pinky beige tile we had to keep. We went with a stained reddish mahogany cabinet and crema bordeaux countertop and it worked. It's so true, any neutral color with any yellow in it next to pinky beige just clashes immediately and triggers my gag reflex!
Great advice and it is wonderful that you showed some really good examples at how to make it work.
I am working on a playroom re-do and even when working with color for over 30 yrs, it took 3 greens to come up with the right one for me.Take a look at my post for this week and you will see what I wound up with. Color is a fascinating subject and I love my visits here. Kathysue
Thank you so much for this post! We recently moved into a new home that was painted a yellow beige color. We have a pinky beige sectional sofa! The first thing I did was find a color that went with the sofa and the existing granite and painted the entire living are. I wish I could change out the sofa slipcover, but it's not in the budget. I have it paired with red and have been considering adding in a lighter blue like the Tobi Fairley room. Thanks so much for such great examples on how you can still work with pinky beige!
To see this color work, and work beautifully is inspiring. I thought it was a color to be afraid of, but now, 'I see' immediately that there is a solution.
Tobi Farley has created a room I never saw coming! Gorgeous…
Ah yes the ever so challenging "pinky beige". I love it with the reds and blues. I can deal with pinky beige on the wall but I agree with the other comment and "rip it out" if it's in carpeting.
Interesting. I am trying to find a nice soft whitish milk brown for my office with a little grey, so essentially I am looking for taupe! I am noticing that the taupes seem to either read pinky (thanks to you, now I see it) or greeny (like khaki), so it is helpful I now know this, so I can try to find one that reads more grey. But sometimes those almost seem to go a little purple!
It is hard to find a perfect neutral grey beige!! Thanks for the tip on dealing with the pinky taupes as I have a chair in that family to deal with…
xo Terri
I must say, I was SHOCKED by the title of this post!!! haha, great info – thank you again for imparting your expertise with us this week in Atlanta. I keep hearing your voice in my ear . . .
Dark and navy blue is all I could ever find to look decent with the pinky beiges. As much as it seems everyone dislikes this color, don't you see signs of it returning?? Nooooooooo!!
I can't stand it — come to New England?? Pa-lease?? I think these are great examples of making pinky-beige work. I just used BM Sea Urchin with creams and smoky blues — looked fab. I consider that a pinky beige (as compared to others :). The upholstery is cream and a light cocoa. I'll post it when the drapes go up. My point? I agree that blues are great with red-undertone beiges. The Sea Urchin was definitely pinky with the blues. I love working with color!
Wow Maria! It really does look beautiful with the right colors. I would never have thought of blue for a companion color to pinky beige! Your photos demonstrate this so perfectly. Very interesting demonstration!
BTW, Maria, have you done a post on making a room feel more spacious? I was thinking you had but can't remember. I'm working on a post for tomorrow on this topic and was certain there must be some way to link to you.
I'm thinking along the lines of lighter pieces (like IKEA), less clutter, and of course..getting rid of stuff!! (My favorite solution. :o)
I'm going to do some hunting but thought if you knew off hand, you could leave a note.
Does the pinky beige look so good with blues because they are opposites on the color wheel?
I had read once that if you chose opposite colors, they make each color stand out & look better.
I was shocked too when I read the title to your post. I have decided you can make anything look good even the most hated pinky beige!
love, love, love your blog. one of my favorites! beautiful layouts. amazing design. so inspiring! keep up the amazing work.
please visit my new blog :) still working on it.
love these discussions about the different tones of beige… I'm learning so much! Would love if you would do a post listing names and swatches of 5-10 yellow-beiges, green-beiges, pink-beiges, etc. :)
Gosh Maria, you little dickens, you scared me with the post title. I thought you'd gone over to the 'pinky beige side' for a moment.
I had a 'mushroom' couch in the media room and painted the walls a dark blue and it's perfect. Guess I have a good teacher ~ giggle.
Anonymous, you need to take Maria's course it's fantastic. She gives us several shades of pinky/yellow/green/orange – beige. And she show us how to know which is which. Fantastic!
Oh wow! The title really surprised me! I like the examples shown of how to work with the pinky-beige, but I still feel like the rooms are slightly compromised by that color. (Except the room that is all beige and cream – where it all looks intentional.) I think I need to get out some pinky-beige swatches and play with it a little – make friends with it. I hope I can do it!!!
Hi Maria…I did remove the yellow beige curtains from my pinky beige room and instantly the room looked better. I put white net curtains with a modern circle pattern on them and they bring light into the room and the white also beautifies the pinky beige. I have a creamy white fabric on the sofa and have orange/pale pink and pale aqua cushions which look great with the walls. Thank you for all your lessons re beige!
this is very inspirational. these are great ideas for people who are not afraid of colour.
OMG – after following your blog for 2 years, I've finally realized that I have a pinky-beige sofa!!!! After seeing this post with large photos showing the pinky beige items, I looked over and saw the horror. No wonder I couldn't find a paint colour to complement the sofa. My solution? I've paired it with a red brick wall and pulled out that colour in accessories and carpet.
And I just noticed that there is blue in the carpet and throw pillows which I love.
Thanks. I think I FINALLY get IT.
Pink-beige….ah the bane of my existence! Not really but I totally agree that it is so hard to work with. Interestingly, BM Shaker Beige can go pinky but I've used it in rooms where it seems much less so. Go figure! :)
My mother used to call it "Sandelwood". I was in the tile of the masterbath of her home…there when she bought it…and it was an impossible color to work with. We ended up using white and more of the same. I run into color consults all the time when that's the tile color I have to work with. I tell them to buy rugs!! Another good educational post.
Great post. I found your blog last year, right after I had the tile in our master bath replaced. Yup. Pinky beige. At least I found out why I was having so much trouble finding the right yellow beige for the walls. After enlisting Maria's help, it's now painted BM Quiet moments, and I've been accenting with a fresh green. Looks great, but I still feel disappointed that the tile has ruined my original vision for the space.
I so want to take your class! Your example with the tile scares me! I don't want to end up making that kind of mistake!
OMGaw Maria- This is the perfect post for me.. I moved into a home all 3,000 square feet painted in pinky beige.. Arrrgh! I cal it Grandma beige (ha) The tiles have some of the same undertone yikes.. We can't rip the tile out but let me tell you we've been a paintin'!
I went with Manchester tan. Needed a neutral and am laying rugs everywhere to hide the floor. :)
A great and informative post, as always, eh, Maria?! You're super!
I'm selling this house and we're moving back to Vancouver. My kitchen has tiles I can see some of this weird "pinkish" hues on the corners. It's not a bad tile, actually it's beautiful, but that undertone color bother me. If I had to stay here I'd change it.
Maria, if you have a minute, drop by my blog today, ok?
Have a blessed week!
Luciane at HomeBunch.com
Post of the Day: Well Designed Kicthens.
Ahhhhh, pinky beige!!! I'm glad you pointed out your taupe color distinction, because I do find that a lot of people call pinky beige "taupe." As always, I love the examples you found where pinky beige actually works.
I am a novice at color theory but have been learning a lot from your site. We just moved into a house built in the late 80s and it has teal/seafoam carpet that will be staying for a little while (in DR and formal LR that we have converted to a study). I found that most tans/beiges were going very fleshy/bandaid in that room. I talked with my local BM paint guy and he mentioned going with more green undertones, and that any beige w/ pink/red undertones would likely go fleshy on my walls. I have been swatching some greener beiges and it seems better. Once he mentioned that, I found a paint chip in the store close to my carpet color (something sort of like SW's Halcyon) and held up different beiges. It was interesting to see how they turned fleshy or band aid beige when paired with the carpet color. I've never had this much trouble picking paint in my life. I'd love to rip out the seafoam/teal carpet but it needs to stay for a year or two, so I need to work with it for now. Yuck.
I have learned to lok at colors more intensely since reading your great blog, Maria! Wow, has it saved me time and money.
Have a great week.
Really interesting post today, Maria!.
Thank you very much for the tips, are fantastic and they work!
True…that's an ugly color..I used to have all these color rules…Now I simply think all colors can be rescued by mixing it with another. Perhaps there's beauty in all of them?
It's funny how a certain color can set us off. We are more complex than we realize and our whole existence relies on colors and feelings. Color relationships tone a room up or down.
No taupe in my past, present, future life, but for clients as you said sometimes you have to work around it.
Hi Anonymous,
The reason I don't list the list of beige's on my blog is then it wouldn't be the same 'aha moment' for anyone doing my course. When I would clip them out individually and give them to my students in college to assemble they would have it done in 5 minutes and it was no big deal.
Now I just throw the unclipped chips in an envelope and it takes almost an hour for my participants to cut and paste them and it's a really great learning experience inside the context of my course.
Which is why they have to stay there.
love your blog! amazing layouts. keep up the incredible work! – your style is beautiful. definitely following :)
please check out my brand new blog if you get a chance & follow!
Hello Maria,
You have shown me that I could live with Pinky-Beige, I just need a colourist with your eye to match it up! Thanks.
I have learned so much from your blog (after I found it I went back and read ALL your old posts—loved them all!!). I took the list of your favorite go-to colors (from your newsletter) to my BM paint store to get an idea of the different undertones of beige.
Unfortunately most of the colors that you listed are no longer available here in the US.
Do you have a current Pinky Beige /Greeny Beige /Yellow Beige that we could get at the paint store?
Hi Maggie,
yes they are in this post and if you go into back issues of my Newsletter I wrote one about the Insider Secrets to beige.
If you look up the names of the CC colours I've listed in my go-to colours, most of them are in the US Classic deck under a different number.
Hope this helps,
Oops I forgot to link to the post I mentioned above:
I was confused by the title of this post!!! )))) great info – thank you again for imparting your expertise with us this week in Atlanta
Interesting… you know, my boss flips houses as a second income and he says that beige with a slight pink undertone is "the" color to paint the walls. Now, these are not high-dollar houses by any means, but they have been selling!
I have never had an issue with pinky beige but I LOVE ur examples above. I thought the blue was my favorite until I saw the pink!
Hi Maria
I stumbled upon your blog when I googled 'how to downplay beige'. Even though it looks like this post is over a year old, I just had to tell you that your pics are fabulous! You've inspired me with rich blues to downplay beige.
Just a question, though, would you apply the same colour palattes to toning down builders beige bathroom tile? I have beige tiles in my new home's shower stall, espresso-coloured cabinetry and Pure White Caesarstone countertops. The beige was a poor choice, and now I want to paint the walls something to make it appear less beige.
Any advice would be so appreciated !!
I just stumbled upon this post quite by accident, but it's comforting to know that I'm not the only one who has trouble with pink-beige. We purchased a sofa and arm chair in that color–it's actually pretty nice :) I didn't realize at the time that it wouldn't mix well with the neutral paint. (BM 1038) which was already on the walls. What neutral would you choose to go with the pinky beige? I'd like to keep it neutral to complement the plum-colored leather armchair, and I'll pull colors from the adjoining rooms, using drapes pillows throw rug.
I love scouring your blog, I always learn something new. The current issue I am having is my house is fully drenched in Latte {or, as I know it now, Pink-Beige} It is all well coordinated, but since it is due for repaint, I wanted to try to go grey. I have been pouring over paint decks for days, is taupe the best way to bring this grey trend into my home?
The pink-beige carpeting of picture number two looks about the same as my kitchen tile floor and counter tops! Maple wood custom cabinets. And now finally a solution that I understand to make it work. Have to find a blue that looks good! Thank you so very much for all your time and effort.


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Are you tired of the daily grind? Are you tired of commuting to work every day through Houston traffic? Are you frustrated with a lack of progress in your career? Are you considering starting your own business?
Whether you're planning on starting your own business in the near future or 5 or 10 years from now, this workshop is for you!
On April 6, PRSA Houston will present a professional development workshop specifically geared to those individuals who are considering setting up their own company. James B. Evans, Assistant Region Director for the University of Houston Small Business Development Center will lead the workshop. He'll be joined during the latter half of the presentation by a panel of talented individuals who are there to answer your questions about what it's really like to work for yourself and how to make the best use of resources that are available to small business owners.
Breakfast at the Courtyard at St James will be provided.
NEW LOCATION: Courtyard on St. James
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WHEN: Wednesday, April 6, 8:30 a.m. - 11 a.m.
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In today's session General Growth Properties Inc (GGP) registered an unusually high (368) contracts volume of call trades. Someone, most probably a professional was a very active buyer of the January, 2017 call, expecting serious GGP increase. With 368 contracts traded and 18674 open interest for the Jan, 17 contract, it seems this is a quite bullish bet. The option with symbol: GGP170120C00030000 closed last at: $0.45 or 10% down. The stock decreased 1.96% or $0.53 on October 4, hitting $26.53. General Growth Properties Inc (NYSE:GGP) has declined 5.29% since March 1, 2016 and is downtrending. It has underperformed by 14.53% the S&P500.
Analysts await General Growth Properties Inc (NYSE:GGP) to report earnings on November, 7. They expect $0.36 earnings per share, 0.00% or $0.00 from last year's $0.36 per share. GGP's profit will be $319.43M for 18.42 P/E if the $0.36 EPS becomes a reality. After $0.36 actual earnings per share reported by General Growth Properties Inc for the previous quarter, Wall Street now forecasts 0.00% EPS growth.
General Growth Properties Inc (NYSE:GGP) Ratings Coverage
Out of 13 analysts covering General Growth Properties (NYSE:GGP), 9 rate it a "Buy", 0 "Sell", while 4 "Hold". This means 69% are positive. $40 is the highest target while $27 is the lowest. The $34 average target is 28.16% above today's ($26.53) stock price. General Growth Properties has been the topic of 25 analyst reports since August 4, 2015 according to StockzIntelligence Inc. The stock has "Buy" rating given by Oppenheimer on Tuesday, August 4. BTIG Research initiated General Growth Properties Inc (NYSE:GGP) rating on Thursday, August 25. BTIG Research has "Buy" rating and $35 price target. RBC Capital Markets maintained General Growth Properties Inc (NYSE:GGP) rating on Wednesday, February 3. RBC Capital Markets has "Outperform" rating and $33 price target. The firm has "Hold" rating given on Friday, August 28 by Zacks. Zacks upgraded the stock to "Sell" rating in Tuesday, August 11 report. Boenning & Scattergood initiated it with "Outperform" rating and $32 target price in Friday, December 4 report. The firm has "Outperform" rating given on Wednesday, March 16 by Credit Suisse. The stock of General Growth Properties Inc (NYSE:GGP) earned "Buy" rating by Deutsche Bank on Monday, July 18. The company was downgraded on Tuesday, January 26 by Barclays Capital. The stock of General Growth Properties Inc (NYSE:GGP) has "Buy" rating given on Tuesday, September 8 by Evercore.
Insitutional Activity: The institutional sentiment increased to 1.25 in Q2 2016. Its up 0.09, from 1.16 in 2016Q1. The ratio improved, as 30 funds sold all General Growth Properties Inc shares owned while 123 reduced positions. 36 funds bought stakes while 156 increased positions. They now own 833.99 million shares or 1.71% more from 819.97 million shares in 2016Q1.
Bb&T Secs Limited Com holds 16,848 shares or 0.01% of its portfolio. Pub Sector Pension Board accumulated 110,407 shares or 0.04% of the stock. Mitsubishi Ufj And Bk holds 0.08% of its portfolio in General Growth Properties Inc (NYSE:GGP) for 1.15M shares. Babson Mgmt Ltd has 20,100 shares for 0.02% of their US portfolio. Morgan Stanley holds 0.14% of its portfolio in General Growth Properties Inc (NYSE:GGP) for 12.82M shares. Meiji Yasuda Asset Co Limited, a Japan-based fund reported 14,443 shares. Susquehanna International Group Inc Llp holds 0% or 111,300 shares in its portfolio. Raymond James Finance Svcs Advsrs holds 0% of its portfolio in General Growth Properties Inc (NYSE:GGP) for 10,571 shares. Montag A And Assoc holds 0.28% of its portfolio in General Growth Properties Inc (NYSE:GGP) for 70,280 shares. Bank Of America Corporation De has 0.01% invested in the company for 2.01M shares. Manufacturers Life Insur The accumulated 0.03% or 617,213 shares. Point72 Asia (Hong Kong) Limited holds 0.36% or 10,400 shares in its portfolio. The Illinois-based Envestnet Asset Management has invested 0.01% in General Growth Properties Inc (NYSE:GGP). Franklin Res has 0.01% invested in the company for 651,565 shares. Livforsakringsbolaget Skandia Omsesidigt holds 0.06% of its portfolio in General Growth Properties Inc (NYSE:GGP) for 42,690 shares.
General Growth Properties, Inc. is a self-administered and self-managed real estate investment trust (REIT). The company has a market cap of $23.54 billion. The Firm operates through operation, development and management of retail and other rental properties segment. It has a 37.08 P/E ratio. It is engaged in owning and operating retail properties to communities, retailers, employees, clients and shareholders.
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OLDEST - City Hall in Atlantic Canada Still In Use
in Superlatives
Standing behind Phoenix Square, City Hall is an imposing three storey brick and stone building which has served continuously as Fredericton's city hall for 140 years as of 2016.
posted by: BK-Hunters
location: New Brunswick, Canada
date approved: 2/9/2016
last visited: 2/10/2016
OLDEST -- Church in Roseburg - First Presbyterian Church of Roseburg, OR
The First Presbyterian Church is the oldest church building in Roseburg, and is still used by the same congregation, originally organized on August 3, 1873, by Rev. William A. Smick.
posted by: thebeav69
location: Oregon
last visited: never
HIGHEST - Capital City in Europe - Andorra la Vella, Andorra
Andorra la Vella is the capital of the Principality of Andorra, and is located high in the east Pyrenees between France and Spain. Being at an elevation of 1,023 metres (3,356 ft), it is the highest capital city in Europe and a popular ski resort.
posted by: denben
location: Andorra
date approved: 2/7/2016
TALLEST - Victoria Memorial - City of Westminster, London, UK
Monumental London's Victoria Memorial, devoted to the Queen Victoria, is with height 25 metres (82 ft) he tallest monument to a King or Queen in England.
posted by: Dorcadion Team
location: London, United Kingdom
date approved: 2/1/2016
last visited: 7/23/2016
OLDEST - Twinings Shop - Strand, London, UK
In depicted house, located at London's Strand, You can find amazing Twinings' shop and museum of tea. It holds several interesting records: OLDEST commercial logo worldwide, OLDEST shop in Westminster, LONGEST London's standing rate-payer...
date approved: 1/29/2016
FIRST/OLDEST - US Mill to Manufacture Woolen Garments - Uxbridge MA
The Stanley Woolen Mill was the first US Mill to completely manufacture woolen garments.
posted by: nomadwillie
location: Massachusetts
date approved: 1/28/2016
ONLY - Statue of Columbus With a Beard in US - St. Louis, MO
The sculptor did not want the beard
posted by: YoSam.
location: Missouri
date approved: 1/27/2016
FIRST / OLDEST - Mill in US to use Power Looms - Uxbridge MA
Capron Mill was a yarn mill in Uxbridge, MA and the first to use power looms in the US
ONLY - Eagles Aerie in its original building - Nelson, BC
From 639 to 641 Baker Street all one will find is the Eagles Hall.
location: British Columbia, Canada
SHORTEST - Lived Peerage - Holland Park Road, London, UK
This London County Council blue plaque indicates that Lord Leighton, a painter, "lived and died here". The plaque is attached to the Leighton House Museum on the north west side of Holland Park Road. Leighton was bearer of the shortest-lived peerage.
posted by: Master Mariner
date approved: 1/19/2016
LARGEST - Adirondack Park NY
Over 6,000,000 sq acres. km2. Of the 46 peaks, the highest elevation in the park is 4,000 ft. Many of the roadways are considered scenic.
posted by: sbcamper
location: New York
date approved: 1/18/2016
last visited: 2/28/2016
OLDEST - Iglesia de San Ignacio - Buenos Aires, Argentina
Baroque Church of St. Ignatius De Loyola (Iglesia de San Ignacio De Loyola), the oldest church and building in Buenos Aires erected by Jesuits in 1675, is located in Bolívar street in Monserrat district of Buenos Aires.
location: Argentina
OLDEST - Urban Park in the Louisiana Purchase Territory - St. Louis, MO
Established in 1836, or you can just say "Oldest Park West of the Mississippi"
date approved: 1/15/2016
OLDEST - Canadian National Historic Site - Annapolis Royal, NS
The oldest permanent settlement in North America north of the Gulf of Mexico, Port Royal, later Annapolis Royal, is the site of the oldest fort in Canada, Fort Anne.
location: Nova Scotia, Canada
date approved: 1/14/2016
HIGHEST-- Windmill in the world
De Nolet (also known as Noletmolen) is a wind turbine in Schiedam
posted by: superstein
location: Zuid-Holland, Netherlands
date approved: 1/11/2016
last visited: 7/10/2016
OLDEST - Old Burial Hill - Marblehead MA
The burial ground also contains the remains of a victim of the 1692 Salem Witch Trials
date approved: 1/6/2016
OLDEST - American-built Locomotive in New England
The Lion is an 1846 locomotive, the oldest remaining American-built locomotive in New England.
location: Maine
OLDEST -- Train Station in the United States - Ellicott City, MD
The oldest train station in the United States.
posted by: bluesnote
location: Maryland
date approved: 1/3/2016
last visited: 11/25/2016
OLDEST - St. Michael's Church - Marblehead MA
Built in 1714-15, St. Michael's Church is the oldest Episcopal Church still in use in New England.
LARGEST - Temple in Khajuraho, Madhya Pradesh, India
Kandariya Mahadeva Temple is the largest and loftiest temple in the renowned Khajuraho Group of Monuments in the Indian state of Madhya Pradesh.
location: India
date approved: 1/2/2016
OLDEST Bank in McLennan County - McGregor, TX
First National Bank of McGregor, Tx celebrated its 125th anniversary on Nov. 6, 2014. Its charter was issued on July 16, 1889.
posted by: WalksfarTX
location: Texas
date approved: 12/30/2015
OLDEST -- University in Spain - Salamanca, Spain
The University of Salamanca is the oldest founded university in Spain (founded in 1134 / Royal chart of foundation in 1218 / recognised by the Pope in 1254) and still in operation.
posted by: 4spring
location: Castilla y León, Spain
date approved: 12/27/2015
LARGEST - Silver Objects in the World - Jaipur, Rajasthan, India
These two huge silver urns are located in the Diwan-i-Khas (private audience hall) of the City Palace in Jaipur the capital of the Indian Rajasthan state.
date approved: 12/24/2015
FIRST-OLDEST - church in Penticton, BC
The first church built in Penticton, this little church was operated as St. Saviour's Anglican Church from 1905 until the completion of the new St. Saviour's Anglican in 1930.
La plus large Rose des vents du Québec. -Repentigny. -Laval. -Québec.
posted by: colibris7
location: Quebec, Canada
last visited: 5/21/2016
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FILM REVIEW: Magic Mike
Categories: Movies
Magic Mike is surprisingly smart, despite the subject matter. (Warner Bros.)
Seems strange to talk about stillness in a movie about male strippers but one of the most remarkable things about Steven Soderbergh's new movie Magic Mike, is its restraint.
Soderbergh is a strange animal in the Hollywood menagerie. He's made movies large and small. Worked with some of the biggest actors in the biz. Now he's says he's getting ready to retire. Winding things down before he goes on a sabbatical to recharge his batteries.
But before he does, Soderbergh says he's only going to make "fun" movies. (Also in the pipe, a biopic of Liberace and a thriller with Channing Tatum.)
Now there's certainly a lot of fun in Magic Mike. There are dance sequences with leather chaps, a trench coat-themed Raining Men number, a dancer named Big Dick Richie and even Matthew "Naked Bongos" McConaughey in the role he was born to play.
Director Steven Soderbergh, left, films actor Channing Tatum on the Magic Mike set. (Claudette Barius/Warner Bros.)
It's also smart. Soderbergh doesn't give in to the typical dramatic conventions. He cuts to the quick. And when his characters talk, it sounds like a conversation, not dialogue.
Part must be the roots of Magic Mike. Channing Tatum (who also co-produced the film) spent a year as a stripper in Tampa Florida when he was 18. On the set of Haywire, Soderbergh heard the story and challenged Tatum to make a movie out of it. Tatum hunkered down with screenwriter Reid Carolin and a story was born.
What makes Magic Mike more than a party film is the scope. Soderbergh might only want to make "fun" movies, but the man can't help himself. He's taken this dingy backroom look at the lives of exotic dancers and made the Scarface of Male Stripper films. First you get the money...then you get the women.
Magic Mike, Tito, Big Dick Richie and Dallas are all either chasing or casualties of the American dream. Mike wants to design furniture, but his cash-only lifestyle doesn't make for good credit. Dallas (McConaughey), the owner and ex-dancer is looking to expand while promising everyone a bigger piece of the profits. Then there's young Adam (Alex Pettyfer) a new dancer who Mike takes under his wing. After a few tenuous groin thrusts, the kid is soon stripping like a pro. But like Boogie Nights' Dirk Diggler, Adam quickly finds himself on the slippery slope of easy money, sex and drugs.
So back to the stillness. There's a scene in the men's Xquisite Club in Tampa. Brooke (Cody Horn), Adam's sister is there to find out why her little brother is using her Lady Bic and bringing home boxes of sailors caps and thongs.
It's the year of Matthew McConaughey. (Warner Bros.)
Brooke stands there watching Adam on stage having his way with the ladies in a western-themed number. Soderbergh cuts back and forth between the squeals and Brook's impassive face, saying volumes with very little.
Soderbergh repeats the same trick near the end, except this time it's Magic Mike's turn, sitting backstage listening to the shop talk, while on stage Dallas offers his body to the crowd like a spray-tanned ritual sacrifice. Cut back to Mike, just staring.
Credit also goes to Tatum, who seems like a young Brad Pitt here. Handsome as all get out, but funny too. It's that natural ease and his sense of humour about himself that that cements his appeal.
And who knew that 2012 could be the year of Matthew McConaughey. The Texan kills as the southern seducer, the consummate lip-licking host on stage and an all-business gimlet-eyed professional when the show is over. Not to mention some of the best gyrations since John Turturro laced up his bowling shoes in the Big Lebowski.
RATING: 4 out of 5
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I have a microfiber sofa and the back is stained with hair product. How do I clean it? I have not attempted to clean it yet. I also notice that the material on the seats is wrinkled. Is this normal??
cinnabar15 from Winnipeg, Canada
My name is Shanan and my parents recently purchased a microfiber sofa and we have found that stains can be removed with a Little Dawn on a damp washcloth it may look worse to begin with but keep scrubbing and let it dry and the stain will come off, even if you have to do it more than once.
P.S. The wrinkling as far as I can tell is normal.
Add your voice! Click below to comment. ThriftyFun is powered by your wisdom!


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October 12, 2004
DOROTHY A. HARRISON, PETITIONER-APPELLANT,v.A & J FRIEDMAN SUPPLY CO., RESPONDENT-RESPONDENT.
On appeal from Judgment of the Division of Workers' Compensation Court, Passaic County, Workers' Compensation No. 94-046750.
Before Judges Wefing, Payne and C.S. Fisher.
Submitted September 22, 2004
"Commutation," as used in workers' compensation and other civil matters, connotes"the conversion of the right to receive a variable or periodical payment into the right to receive a fixed or gross payment." Black's Law Dictionary 281 (6th ed., 1990). In this case, appellant seeks our reversal of the workers' compensation court's refusal to grant commutation of dependency benefits that appellant has continued to receive as a result of her husband's work-related death in 1992.
Appellant applied for commutation on June 27, 2003, asserting that the building she resides in was"in default to the City of New York," thus permitting the purchase of her Manhattan residence for $370,000. Appellant claimed that she could obtain a mortgage for approximately half that amount and sought commutation in order to raise the balance of the purchase price. Respondent, the former employer of appellant's late husband, opposed the application.
The compensation judge denied the application without conducting a plenary hearing or even permitting oral argument. The only explanation for the ruling is contained in the judge's handwritten portion of the September 17, 2003 order:"Denied based on N.J.A.C. 12:235-6.3(d) -- No award for total disability or dependency benefits shall be commuted." Because we conclude that the compensation judge misconceived the extent of her authority to grant commutation, we reverse and remand for further proceedings.
The Commissioner of Labor has been authorized to"make and publish rules and regulations not inconsistent with law as he shall deem necessary to enforce" the workers' compensation laws. N.J.S.A. 34:1-20; see also N.J.S.A. 34:1A-3(e) ("[C]commissioner... shall... [a]dopt, issue and promulgate... such rules and regulations as may be authorized by law."). The regulations regarding commutation, N.J.A.C. 12:235-6.1 to -6.3, were adopted in 1991. Among these regulations is N.J.A.C. 12:235-6.3(d) which simply states, without explanation or limitation, that"[n]o award for total disability or dependency benefits shall be commuted." Based solely upon that absolute rule, the judge denied appellant's application.
Since, however, the Commissioner was only authorized to make rules that are"not inconsistent with law," N.J.S.A. 34:1-20, or make rules that"may be authorized by law," N.J.S.A. 34:1A-3(e), the absolute bar created by N.J.A.C. 12:235-6.3(d) is binding only to the extent it comports with the workers' compensation laws enacted by our Legislature. While we have applied a presumption of conformity in considering potential conflicts between statutes and regulations in similar circumstances, we have also recognized the inapplicability of a regulation that is"plainly and palpably inconsistent with the statute." Esso Standard Oil Co. v. Holderman, 75 N.J. Super. 455, 473 (App. Div. 1962), aff'd o.b., 39 N.J. 355, app. dis., 375 U.S. 43, 84 S.Ct. 148, 11 L.Ed. 2d 107 (1963); Grenewicz v. Ligham, 34 N.J. Super. 1, 9 (App. Div. 1955). The careful application of this standard takes on added importance, and requires increased vigor, when the questioned administrative regulation"directly affect[s] substantive property rights," such as here, and not merely the procedures utilized by the administrative body in considering substantive rights. Esso Standard, supra, 75 N.J. Super. at 473.
While N.J.A.C. 12:235-6.3(d) represents an absolute bar against commutation of"total disability or dependency benefits," the Legislature had previously imbued the courts with the discretion to grant commutation of compensation payments in appropriate circumstances:
Compensation may be commuted... at its present value, when discounted at five per centum (5%) simple interest, upon application of either party, with due notice to the other, if it appears that such commutation will be for the best interest of the employees or the dependents of the deceased employee, or that it will avoid undue expense or undue hardship to either party....
Unless so approved, no compensation payments shall be commuted..... [N.J.S.A. 34:15-25 (emphasis added).]
A plain reading of this statute, spurred by the absence of any limit on the types of compensation benefits that may be commuted, suggests that the discretion to permit commutation was intended to encompass all types of benefits, including the total disability and dependency benefits specifically referenced in N.J.A.C. 12:235-6.3(d). Since the Legislature did not set forth any exceptions to the broad language of N.J.S.A. 34:15-25, we see no reason to interpret the statute narrowly as to the types of compensation awards that were included. The statute's repeated references to the impact of commutation on"the dependents of the deceased employee" compel the conclusion that the Legislature intended to encompass the benefits currently received by the appellant within those types of benefits that may, in the exercise of sound discretion, be commuted. From this common sense reading, we conclude that the Legislature intended to create a right of commutation, subject to a weighing of the benefits and hardships of commutation as expressly described in the statute, and we reject the compensation judge's holding, based solely upon N.J.A.C. 12:235-6.3(d), that a recipient of dependency benefits, such as appellant, is absolutely barred from obtaining commutation.
Because of the summary manner in which the application was denied, there is little information in the record as to what was in appellant's best interests and whether commutation will cause or prevent undue hardship or undue expense. From the application, we know only that appellant is 73 years of age, resides in New York City, has an opportunity to purchase her residence for $370,000, and can obtain a mortgage for approximately half that amount, leaving a significant shortfall. Since the compensation judge did not permit argument on the motion or otherwise conduct a hearing to ascertain the accuracy of these allegations, or to examine any other relevant factors, we cannot say whether a proper exercise of the discretion provided by N.J.S.A. 34:15-25 would permit commutation. Accordingly, we reverse and remand for further proceedings.
We intimate no view as to how the compensation judge should exercise her discretion or where, in the spectrum of those circumstances that have either supported or precluded commutation, this case falls. Instead, we commend to the compensation judge the guidance provided by the express language of N.J.S.A. 34:15-25,*fn1 and the past experiences of our courts, see Jensen v. F.W. Woolworth Co., 92 N.J.L. 529, 532-35 (E. & A. 1919) (employee's application for commutation allowed where the employee required funds, otherwise unavailable, to obtain a life-saving operation); Vieira v. On Shore Constr. Co., 297 N.J. Super. 518, 522 (App. Div. 1996) (employee's application for commutation allowed where the employee demonstrated undue hardship and there appeared a likelihood that the employee would obtain"an apparently substantial [recovery or settlement on an upcoming] third-party claim"), in order to illuminate the future examination of appellant's application. In this regard, we note further that, in Jensen, the Court liberally construed the language of the statute in order to allow commutation so the employee could pay a physician for life-saving surgery even though the statute's last sentence stated (as it still does)*fn2 that"[c]ommutation shall not be allowed for the purpose of enabling the injured employe[e]... to make payment to physicians...." 92 N.J.L. at 532. The Court held that this particular phrase in the predecessor to N.J.S.A. 34:15-25 should be liberally construed or"treat[ed]... as inoperative," and required that the employee prevail. Id. at 535.
Certainly, upon remand, the parties should be afforded an opportunity to present information regarding the appellant's financial status, her ability to maintain her lifestyle in the absence of the weekly benefits, the value of the property appellant is desirous of purchasing,*fn3 the availability of funds other than the dependency benefits, and the availability of other financing that might render commutation unnecessary. There may also be additional information that would shed light on the propriety of commutation. Indeed, since the application was denied more than one year ago, the judge should consider whether or to what degree circumstances have changed.
Reversed and remanded. We do not retain jurisdiction.
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