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PEARLS is a financial performance monitoring system designed to offer management guidance for credit unions and other savings institutions. PEARLS is also a supervisory tool for regulators. PEARLS can be used to compare and rank institutions and can provide comparisons among peer institutions in one country or across countries.
PEARLS is a set of financial ratios or indicators that help standardize terminology between institutions. In total, there are 44 quantitative financial indicators that facilitate an integral analysis of the financial condition of any financial institution. The purpose for including a myriad of indicators is to illustrate how change in one ratio has ramifications for numerous other indicators.
Each indicator has a prudential norm or associated goal. The target goal, or standard of excellence for each indicator is put forth by World Council of Credit Unions based on its field experience with strengthening and modernizing credit unions and promoting savings-based growth. Depositors can have confidence that savings institutions that meet the standards of excellence are safe and sound.
PEARLS, primarily a management tool for institutions, can also be used as a supervisory tool by regulators. As a management tool, PEARLS signals problems to managers before the problems become detrimental. For boards of directors, PEARLS provides a tool to monitor management's progress toward financial goals. For regulators, PEARLS offers indicators and standards to supervise the performance of savings institutions.
In partnership with credit unions, World Council created PEARLS in the late 1980s. World Council has refined and adjusted PEARLS over the past decades. World Council uses PEARLS with all credit unions participating in its technical assistance programs around the world. In addition to individual credit unions and credit union national federations and associations (including many World Council members), the Bolivian Superintendency of Banks uses PEARLS to supervise regulated credit unions in Bolivia.
The primary goal of evaluating the protection indicators, as the heading implies, is to ensure that the financial institution provides depositors a safe place to save their money. Provisions for loan losses are the first line of defense against unexpected losses to the institution. Allowances for loan losses are essential, since delinquency signals that loans are at risk; thus, the institution must set aside earnings to cover those possible losses so that member-client savings remain protected.
When financial intermediaries do not recognize loan losses:
The most critical ratio under protection is P1. The goal of P1 is to have 100% provisions for loan losses from loans that are greater than 12 months delinquent. Accurate measurement of delinquency (total outstanding balance of portfolio-at-risk at 30 days), indicator A1, is integrally linked to the creation of adequate allowances for loan losses.
The protection section considers loan write-offs on a quarterly basis for loans delinquent more than 12 months. The practice of writing off loans is important because after a loan is delinquent for one year, it is unlikely the institution will receive repayment of that loan. The institution uses the provisions it has set aside of 100% of the value of that loan to write off the delinquent loan. As a result of the write-off, the balance sheet will accurately state the value of the institution's assets.
To write off a loan does not mean the institution stops seeking to collect payment on the loan. For this reason, protection indicators also consider amounts recovered from written-off loans.
The last indicator under the protection heading is solvency. This indicator measures the relative worth of one dollar in member-client savings after adjusting for known and probable losses.
The formula for calculating this ratio is:
[(Total Assets + Total Allowances) - (100% of Loans Delinquent > 12 Months + 35% of Loans Delinquent from 1–12 Months + Total Liabilities + Problem Assets) - Deposits] / Total Shares and Total Deposits
ffective Financial Structure
The financial structure is the most important variable that affects growth, profitability and efficiency. Credit unions that maintain most (70–80%) of their total assets in the loan portfolio have the greatest opportunity to maximize returns on these productive assets while providing their member-clients with the credit services they seek. Similarly, institutions that fund their assets primarily (70–80%) with member-client deposits are independent from the fluctuating price of external funds.
Financial structure is always changing and requires careful management, especially in cases of rapid growth.
The effective financial structure area of PEARLS focuses on an institution's sources of funds (savings, shares, external credit and institutional capital) and its uses of funds (loans, liquid investments, financial investments and non-earning assets). The PEARLS system provides information over time; therefore, managers, directors and regulators can observe the structural evolution of both the sources of funds and the uses of funds.
An institution has an effective financial structure when assets, financed by savings deposits, generate sufficient income to pay market rates on savings, cover operating costs and maintain capital adequacy.
Institutional capital, all legal reserves and surplus created either from the accumulation of net income or from capital donations, is the second line of defense to absorb unexpected losses. Institutional capital can be invested to expand products and services. It also can be used to pay for the high costs of technology and building construction.
Net Institutional Capital, ratio E9, is Reserves, Retained Earning and Provisions net of 100% of delinquent loans greater than 12 months and net of 35% of delinquent loans between 30–364 days overdue divided by Total Assets.
sset Quality
Asset Quality is the main variable that affects institutional profitability. An excess of defaulted or delayed repayment of loans and high percentages of other non-earning assets have negative effects on credit union earnings because these assets are not earning income. As mentioned in the Protection discussion, it is essential that delinquency be measured correctly and minimized. Delinquency, commonly referred to as portfolio-at-risk, is the total outstanding balance of loans delinquent greater than 30 days. This ratio is a measurement of institutional weakness because if delinquency is high, then other key areas of credit union operations could be weak; e.g. loan loss provisions, institutional capital and net income.
In addition to controlling delinquency, institutions also must monitor the ratio of non-earning assets to total assets and ensure that these non-earning assets are not financed by savings deposits, external credit or member shares (in the case of a credit union or other user-owned financial cooperative). Sources of funds that have a financial cost such as savings deposits need to be invested in productive assets that will earn a return greater than the cost of funds. The only way to have non-earning assets, such as fixed assets, without negatively affecting earnings is to finance those assets with no-cost capital such as institutional capital or reserves.
ates of Return and Costs
The Rates of Return and Costs indicators monitor the return earned on each type of asset (use of funds) and the cost of each type of liability (source of funds). On the assets side, one can determine what types of assets earn the highest returns. On the liability side, one can determine what are the least and most expensive sources of funds.
Yields and costs directly affect the growth rates of an institution. The intent is for an institution to: pay real rates of return on savings and shares, charge rates on loans that recover all costs and pay competitive salaries for employees.
The goal of R1, Net Loan Income divided by the Average Net Loan Portfolio, is for loan prices to be set at Òentrepreneurial rates.Ó The entrepreneurial rate needs to cover the cost of funds, the cost of operations and administration, the cost of provisions and the cost of contributions to increase capital.
The income ratios identify income from net loans, liquid assets, financial investments and non-financial investments. Financial cost ratios look at the costs of savings deposits, external credit and dividends on shares. Operating cost ratios (R9, R10) separate out operating costs and provisions for risk assets.
Managing liquidity is an essential component of administering a savings institution.
The goal of L1, 15% of short-term investments minus liquid assets minus short-term payables over total savings deposits, serves to maintain short-term investment liquidity to respond to member-client withdrawal and disbursement demands. The goal of indicator L3, to maintain the ratio of costly non-earning liquid assets to less than 1% of total assets, is to minimize non-earning cash to most daily opeational needs.
igns of Growth
Signs of Growth reflect member-client satisfaction, appropriateness of product offerings and financial strength. Growth directly affects an institution's financial structure and requires close monitoring to maintain balance; for example, growth in savings (S5) drives growth in total assets (S11), but if loans (S1) are not growing as quickly as savings, then the institution will have high liquidity (L1) and low earnings (R12). Similarly, as savings are growing, it is important to watch that institutional capital (S8) is increasing at a similar pace so that there will be a buffer to protect those savings against unexpected losses. The growth indicators of PEARLS can help managers maintain a balanced and effective financial structure.
Growth in Total Assets is a critical indicator since 16 of the other PEARLS performance indicators are linked to it.
An institution needs to maintain accurate macroeconomic information, particularly the annualized inflation rate, in order to attain positive real growth.
There are three primary differences between the PEARLS and the CAMEL (Capital Adequacy, Asset Quality, Management, Earnings, Liquidity) monitoring systems:


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River Belle Online Casino
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subset: commoncrawl


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Courtney Love traded dope for Jeni's ice cream
The Columbus Dispatch - May 04, 2012 01:37 PM
New York Magazine's Grub Street blog today features a week-long food diary written by Courtney Love, a self-described "foodie" who's "not a foodie," hates chocolate ("F*** chocolate.") and says lemon water is "the key to life."
Love, a Dean & Deluca fan -- "If I can't afford D.D., I just don't eat"-- describes a late-night sugar binge on a pint of Jeni's Ugandan vanilla bean, one of the flavors sold at Dean & Deluca.
"I stopped doing dope in the nineties, but I've had to eat sweets at 4 or 5 a.m. ever since," Love wrote.
Read more of Courtney Love's week in food at grubstreet.com.


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A 72-hour airborne mission pack, the Big Jump allows you to comfortably jump your gear and quickly move to safe ground.
Includes the 100 oz (3 L) Mil Spec Antidote® Long Reservoir with Quick Link™ Exit Port
Call your CamelBak Representative for more information and pricing.
AirDrop-Certified by the Airborne and Special Operations Test Directorate—Ft. Bragg*
Reservoir Features: More than just a reservoir, the Mil Spec Antidote® Reservoir redefines the ultimate delivery system for an operator's water supply and provides maximum adaptability for changing missions or combat environments. Includes our Quick Link™ Exit Port and QL HydroLock™ Bite Valve Adapter: tube clicks off for faster refilling with auto shut-off; new Fillport: industry's largest opening with air-light ¼ turn open/close for quick, secure seal that can't be over-tightened; lighter-weight, lower-profile design.
Key Pack Features: Integrated Single Point Release (ISPR) harness on bottom of pack with zippered pouch cover, Triple antenna ports on top of pack for easy routing, Improved back panel with tuck channels for securing harness during jumps, Double webbing lowering loop/drag handle for greater reliability, Full clamshell opening for easy access to gear, 1000D Cordura® fabric.
NOTE: D-Ring harness is not included.
CamelBak® Got Your Bak™ Guarantee: If we built it, we'll Bak it™ with our lifetime guarantee.
We recommend wiping your pack with a damp cloth to remove dirt. If the pack is extremely dirty and needs a deeper cleaning, soak it in cool or warm water with a very mild soap. Rinse the pack thoroughly with cool water. If soap residue remains in the fabric, it may create suds if exposed to water or sweat.
DO NOT wash your pack in a washing machine. Machine washing may damage the pack or affect the integrity of the fabric and fasteners, and will void the Got Your Bak™ Guarantee.
The best way to care for your reservoir is to clean and dry it after every use, especially if you fill the reservoir with anything other than water. However, if a reservoir has not been cleaned after every use, and mold or discoloration develops:
These steps will make your reservoir safe for use. If there are still spots left behind, these are permanent mold stains that may not be removable. However, your reservoir is still safe and usable after you've cleaned it.
(based on 2 reviews)
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(2 of 5 customers found this review helpful)
great pack, just make ...
By Dave
from Undisclosed
Comments about CamelBak Big Jump™:
great pack, just make sure if your not using one of the leg strap release assemblies, dont attach it just keep it in the pouch. you will lose it when you release your ruck
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(4 of 4 customers found this review helpful)
This pack is a huge step ...
By Pay Hurt
This pack is a huge step up from any issued pack in the past. Weight sits nice while rucking as well as jumping. The multicam makes this the ultimate airborne pack for today's war.
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8 Totally Different Takes On Louisiana Style
Fellini, Pasolini, Gilliam, Scorsese: In the more than four decades since Dante Ferretti started designing movie sets, the native Italian has worked for some of cinema's most iconic directors. An exhibition on the legendary production designer's career at New York's Museum of Modern Art ("Dante Ferretti: Design and Construction for the Cinema," on view until February 9) illustrates how this visual maestro draws on his knowledge of art and architecture, designing sets that are often entirely built by hand. While his methods might seem old-fashioned, his services are still very much in demand. Now working on the set of Kenneth Branagh's Cinderella, Ferretti has already been snapped up by Martin Scorsese to conjure Frank Sinatra's world for the director's next film project.
Danti Faretti in Rome
• I studied architecture as well as fine art in school, and it has been a major influence on what I do. In fact, my first job was as an assistant to an architect, Aldo Tomassini, who was a friend of my father's. Before he was an architect, he was a production designer. One day he got a call to design a movie about pirates, and since he was busy he sent me to build the set. The next movie-set-design job he took was with the director Pier Paolo Pasolini.
• When I'm designing a set, I like to pretend I'm an architect living in the period in which the movie takes place. It's my own version of the Actors Studio method. If the movie is set in the 16th century, I imagine I'm Dante Ferretti, the Renaissance architect.
• On every film, I draw charcoal sketches to convey the look and atmosphere I am going for. Then my team and I create elaborate blueprints as well as architectural models. But it always starts with the script and the director's vision. Martin Scorsese and I watch many movies together. With Pasolini, the reference was usually art. When we made The Decameron, we looked at Giotto's paintings.
The Adventures of Baron Munchausen, 1988, directed by Terry Gilliam.
Trend Alert: Tropical Leaves


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When talking about User Interfaces, Rapid Application Development (RAD), AJAX-like features such as Drag-and-Drop functionality a lot of frameworks pop up.
When you're looking at Frameworks and tooling and vendor-specific solutions you could think of APEX, Application Development Framework (ADF), ADF Rich Client Components, Trinidad, …
To be able to compare these products, we've tried to build a matrix of features and how these features are managed in APEX and ADF.
We're talking about 10.1.3 features, not yet about 11g because these aren't production ready yet. 11g is very promissing about web 2.0 functionality and more service oriented approach, but for now let's stick to what we have.


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New Markdowns
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Notch Collar Sleepshirt
Style: 570089390
Out of Stock
Ivory satin charmeuse pipes a notched collar and front placket, and trims the chest pocket of this softer-than-soft Cool Nights sleepshirt with a meanswear-inspired manner.
- Button front.
- Long sleeves.
- Ribbon-covered neck seam.
- Approximately 37.5" from shoulder.
- 93% Rayon, 7% Spandex. Machine wash. Imported.
- Breathable Cool Nights knit is non-cling and retains its shape and silky drape when machine washed.
- From our Embraceable collection of luxuriously soft pajamas. Add a pair of our cushy slippers for cool mornings.
Read more… Read less…


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I love the Eclipse Red Carpet moments in this video. So sweet. Loved that night. And do we think Rob really has a fake Twitter acct? I can so see him trolling us all! lol ;)
Video from TheTrueKrisbian
Video from TheTrueKrisbian
at the first one kristen looks fine but the second one she looks shaky like a jelly but the third rob and kristen looks in total confidence and soooo happy .ReplyDelete
Yes I think they were in a special place by the time the third movie came out. So happy ans so together. Love them both.ReplyDelete
kristen looks so cute....OMG everyday I love her....ReplyDelete
Promote what you love instead of bashing what you hate <3
Note: Only a member of this blog may post a comment.
Swedish Greys - a WordPress theme from Nordic Themepark. Converted by LiteThemes.com.


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Wednesday events:
Warren Rotary Club, second floor, Conewango Men's Club, Market St., Warren, noon.
Warren County Historical Society, 210 Fourth Ave., 8:30 a.m. to 4:30 p.m.
Kiwanis Club, Jefferson DeFrees Family Center, 12:10 p.m.
Senior Citizens, free help with Medicare claims forms and Medigap insurance forms, for appointment call Area Agency on Aging, 723-3763.
Warren Area Student Union, Hickory St., open, 3 to 6 p.m.
Community dinner, free to the public, The Salvation Army, 311 Beech St., 4:30-5:30 p.m.
Warren Public Library, Market St., Warren, open, 10 a.m.-8 p.m.
Ready, Sit, Read!, 1 p.m., Warren Public Library Children's Department. Ages 4-7. Stories, songs, crafts, creative play.
Teen and Tween Game Night at the Warren Public Library, Slater Room, 3:30 p.m.
"Active Parenting Now," Forest-Warren Human Services, Hospital Dr., North Warren, 9:30-11:30 a.m. (726-2100).


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Mozart Bedroom Decorating Ideas is free HD wallpaper. This wallpaper was upload at January 5, 2017 upload by admin_wallisme in Home Design.
You can download Mozart Bedroom Decorating Ideas in your computer by clicking resolution image in Download by size:. Don't forget to rate and comment if you interest with this wallpaper.
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Tags: #Bedroom #Decorating #Ideas


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For people with great intellect, style and humor, find vintage-inspired Original Penguin apparel that reflects your love of a leisurely lifestyle. We've tweaked the mid-century classics to add a modern twist, while keeping the same heritage and craftsmanship you've come to know in Original Penguin clothing.
Original Penguin's Clothes for Men, Women & Children
For true American classic style, kick back and relax in the Original Penguin clothing collection for men, women and boys.
For casual encounters and great style, throw on one of our men's Penguin polo, shirts or graphic print tees. Hit the green with a real classic for easy style – one of our nostalgic golf shirts coupled with casual plaid pants. Or, tell it like it is in one of our smart, men's dress shirts paired with a stylish vest and suit pants – jacket optional. From warm cardigans like your grandpa used to wear, to snazzy track jackets, to go-anywhere jeans and casual pants that offer our killer Penguin fit, find the men's vintage-inspired clothing you know and love. Get dolled up with Original Penguin's clothes for women, including signature polos and sweaters. Pair them with a chic skirt or casual pants for a timeless appeal. For date night, slip into an Original Penguin dress for easy, yet flirty style that's sure to be an attention-grabber. Or, snuggle up and stay cozy in our collection of jackets and sweaters for the perfect layering piece that you'll reach for time and time again.
Original Penguin Accessories
Shop the Original Penguin clothing company for great accessories that complement your wardrobe and never go out of style. Add a men's tie with your favorite Original Penguin shirts, or find a hat to add a touch of smooth style to your ensemble. Add a fine leather belt to keep things in place. And, be sure to check out our kicks, like our popular Ernie and Jingle styles. Our retro-inspired men's wristwatches ensure you'll never be late again, and our durable leather wallets give you a place to stash your dough. Polish off your Original Penguin clothes with a dapper pocket square and you're ready for anything that comes your way.


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Must-Read Teen Novel Sampler
and and and and and
- Brief Synopsis:
- These books may be labeled "Teen," but don't judge a book by its category.
- Long Synopsis:
- These books may be labeled "Teen," but don't judge a book by its category. No matter what your age, you'll love reading excerpts from these buzzed-about books: Delirium: The Special Edition by Lauren Oliver, Divergent by Veronica Roth, The Fame Game by Lauren Conrad, Pretty Little Liars by Sara Shepard, The Selection by Kiera Cass, and Where I Belong by Gwendolyn Heasley. For the teen in all of us-a collection of fabulous reads.
- Book Quality:
- Publisher Quality
- 9780062226846
- Publisher:
- HarperCollins
- Date of Addition:
- 05/08/12
- Copyright Date:
- 2011
- Copyrighted By:
- Sara Shepard, Kiera Cass, Veronica Roth, Lauren Oliver, Lauren Conrad, Gwendolyn Heasley
- Adult content:
- No
- Language:
- English
- Submitted By:
- Bookshare Staff
- Usage Restrictions:
- This is a copyrighted book.
Reviews of Must-Read Teen Novel Sampler (0 reviews)
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So here's the deal, I've got enough air bunkers to set up an airball field in my backyard. I'm going to be setting it up soon and wanted to see if anyone on here had interest in playing. Pm or post here for questions and the what nots.
Here's a picture of one of our outings, let me know if you'd be interested in playing!
Topeka Speedball!
Started by Mike Man, Jul 18 2012 09:29 PM
4 replies to this topic
Posted 18 July 2012 - 09:29 PM
Posted 20 November 2012 - 05:03 PM
That looks great, If only I was closer to topeka
Woot Bagel!
Posted 16 May 2013 - 03:41 AM
Hey man, im from Carbondale and just now saw this. I have several friends who would absolutely kill to come play with you guys as Drop Zone is so far away. Just message me on here some more details and hopefully ill see you soon. Course looks excellent by the way.
Posted 25 May 2013 - 08:00 PM
Looks sick!
Posted 09 July 2014 - 06:16 PM
Hey Mike, I'm in Topeka and I'm looking for a group to play with. my kids and I used to head out to Jaegers but the drive got old very quick. Feel free to get in touch with me at tsmith.ks at g mail.com.
Shit.... Super old thread lol sorry for the bump.
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Imagine a touch of the London Bridge in a desert oasis with crystal blue waters of Lake Havasu, paired with all the excitement, amenities and convenience of a great American Southwest lakefront resort.
Whether you are interested in boating, hiking, beaches, off-roading, sun bathing, or attending a world class event, we have you covered – and all with a front row view of the famed London Bridge. Best of all, you don't have to go across the pond to experience this one-of-a-kind escape nestled on the shores of beautiful Lake Havasu.
London Bridge Resort is an affordable all-suite property on 110 waterfront acres. We are the perfect place for those looking to explore our great outdoors or splash into a chilling pool on our property. Whether you are traveling with the family, on business, or as a weekend warrior with your friends Lake Havasu City and London Bridge Resort have you covered. Our 122 spacious all-suite accommodations will ensure you the comforts of home.
Looking to mix business with pleasure? Our corporate meeting team caters to your every need for groups and events.
Start a regal tradition today and enjoy a fabulous stay at the London Bridge Resort.
Located on the Bridgewater Channel, London Bridge Resort sets the standard of hospitality. Guests can arrive by boat, enjoying our boat slips. There is also world-class fishing and water sports on the 45-mile long stretch of the Colorado River. Don't have your own boat? That is okay. We offer a full array of watercrafts for rental including sailboats, jet skis, paddle boats and kayaks. Indulge in a breathtaking Copper Canyon boat tour.
The deep blue waters of the Lake Havasu make it ideal for smallmouth bass, striper, panfish, catfish and many other sport fish.
If you're more of a land-lover, the resort has three pools, and Splash Pool and 94-foot water slide complete with a poolside bar and restaurant service for your relaxing pleasure.
Shopping is one of the favorite activities for travelers, and with the various quaint shops and specialty stores in the shadows of the iconic London Bridge, it is easy to see why. Stores, eateries, and specialty shopping are just steps away in the English Village.
If shopping isn't your game, plan a beauty treatment at our onsite Day Spa or enjoy a challenging round of golf on our 9-hole executive golf course. Guests can also enjoy topflight casual chic dining at Martini Bay.
Explore the incomparable natural beauty the area offers through a number of options including Segway tours along Lake Havasu's shoreline, Jeep tours of the Sonoran and Mojave deserts or visits to Havasu National Wildlife Refuge.


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8648 - Elegant Studio - West Village
Maximální počet hostů2
Počet místností1
Velikost45 m²
Floor No.
- Vhodné pro rodiny s dětmi
- Internet/WiFi
- Kuchyně
- Klimatizace
- Pračka / sušička
- Televize
- Ručníky
- Myčka na nádobí
Accommodation summary
|Sullivan Street, 10012 new york city, Spojené státy
|Typ nemovitosti
|Ident. objektu
|Acceptance rate
|< 50%
|Response time
|A few hours
|Calendar updated
|A week ago
Features include a flat panel TV with basic cable, high-speed wireless internet, heated and air conditioned, linen provided free of charge, etc..
Enjoy access to the best shopping, Chinatown, Tribeca, East Village and Little Italy. Half a block from all major subway/metro/trains. Times Square is only 5 minutes away by subway! Whole foods, New York University are just steps away. Galleries, restaurants, museums, cafes, shopping, 24 hour stores, theatres, cinemas and the most popular night life bars/clubs are right outside your front door.
Domovní řádNo loud parties
No smoking
There is a late fee for check ins after 6PM (40 dollars before 9 pm and
80 dollars after 9 pm) and 40 dollars during weekends
Damage deposit = there is a 500 dollars damage deposit to be paid via paypal.
|Cena za více než 2 ubytované(ých)
|15 € Cena za osobu/noc navíc
|Příjezd po
|Check-in before
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was very pleased with appartment....was first time i used site and will be using again...have recommended to my family in ireland...
Very nice en cute apartment. Good location and clean.
The only thing is that the apartment is on the 4th floor with no elevator, the hall smells bad. We had to pick up the key in there office, (10 min from the ap) but when we left home we could drop our bags over there. So that gave us more time to spend in the City. I would recommend this place!
Great location close to Time Square and Port Authority Bus Terminal. Very clean and exactly as described. However would benefit from replacing the mattress on the sofa bed as this was dreadful - every spring pressing into you as you attempted to sleep, ended up sleeping on the couch (!) - pretty disappointing.
Would also benefit from providing additional towels for extended stays - we stayed 8 days and only had a towel each provided.
Lovely apartment, fantastic location. Wasnt sure why they felt they had to charge me an extra 150 dollars for the loan of a cot but i would definitely stay there again.
The renovation of the apartment is well done. All the rooms are clean as well. The bathroom is very small. The bedroom in the front is big enough, but too noisy because of the traffic just outside. The second bedroom is small, but ok. The neighbours upstairs had a wild party until 4.30 am on Saturday night. Sleeping was impossible.
This apartment is located in a god position, but is too small and too noisy...!!!! The bed-sofa' is very unconfortable because is very large for its room and its mattress is very very very old....!!!!
Great apartment - but the room towards the street is REALLY noisy!! You can hear all the traffic from 9th Avenue night and day.
We were a party of 4 attending a conference and needed a three bedroom apartment which is not an easy find for our budget. The day before we were due to fly we were notified by Casanova Condos that our apartment had suffered rain damage and would not be available however they offered another apartment in the same location that actually had a second bathroom for the same price. The condo was great and had everything we needed. We walked everywhere and I was expecting a lot of traffic noise but it was surprisingly quiet. Would definitely recommend to anyone.
This is a really lovely apartment. Everything was as we expected and everything is in good working condition. It is in a really good area around lots of bars and restaurants and very short walking distance to Broadway and Times Square. The only negative is that it can get quite noisy at night with the traffic.
Nice apartment, spacious for New York, 30min walk to times square, 5 mins to the Port Authority Transit centre so ideal for transport. Many restaurants and bars nearby, but can be a little noisy on Saturday night. The toilet flushing was a bit tempramental, and do pack your own hair drier and iron if required.
- Ověřenou kvalitu ubytování
- Prověření každého hostitele
- Bezpečné platby prostřednictvím SSL šifrování


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ACrank wrote:Vazquez won't hit like Espinosa.
Um ... dude ... the problem is that he hits EXACTLY like Alvaro Espinoza. Which is to say, none. (Career line: .254 .279 .331)
ACrank wrote:Isn't it great that the only concerns on the team seem to be the #24 and #25 players on the roster (Vazquez and Hollandsworth)?
Well put! Although as long as Graves is #23, I get to complain about that, too.


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Fort Dodge crews ready as snow moves into area
Snow began falling in Fort Dodge at about 5:30 p.m. Thursday, and the city's Public Works Department was prepared for a storm that could last into this morning.
"For the storm, we'll have a full staff," Public Works Director Greg Koch said Thursday afternoon.
He said a group of 12 employees went on duty at 7 p.m. Thursday and would work all night clearing streets. They were to be replaced by another 12 workers who were to start their shift at 7 a.m. today. Koch said garbage and recycling materials would be picked up as usual this morning.
Public works crews sprayed city roads with a mixture of brine and beet juice Thursday afternoon to help prevent the accumulation of snow and ice.
The Fort Dodge region remained under a winter storm warning Thursday night, according to Tony Jorgensen, the Webster County emergency management coordinator.
He said the forecast called for the area to receive 3 to 7 inches of snow during the overnight hours. He added that winds of 15 to 20 mph could create whiteout conditions in rural areas.
"If you don't need to travel, don't take your life into your hands by doing it," he said.
The residential snow ordinance is in effect through 5 a.m. Saturday. Police will ticket and tow vehicles that are on marked snow routes.


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Coupa Raises $40M For Cloud Procurement Software, Takes On SAP
Coupa Inc., which helps companies track spending on items like travel and office supplies that can quickly eat into corporate budgets, raised another $40 million, bringing total funding to $87 million.
The fundraising went so quickly that Coupa received six term sheets from prospective investors within 48 hours, according to Chief Executive Rob Bernshteyn. Meritech Capital Partners led the round, with participation from Icon Ventures, Northgate Ventures and all current investors. Valuation is not disclosed.
"The biggest reason to raise money is we think our opportunity is massive," said Mr. Bernshteyn, a Russian immigrant whose first business was selling baseball cards as a teenager in New York. "We've really just begun."
Coupa uses the cloud to help companies track expense reports, procurement contracts and other vital but unglamorous information, integrating with their current enterprise software and enabling users to feed data directly into the system from their mobile phones.
An employee who has dinner at an Applebee's restaurant in Madison, Wis., for instance, could use his mobile phone to take a picture of the receipt, which is sucked into the Coupa wallet and automatically entered as a line item on an expense report.
"It knows where you are based on GPS," Mr. Bernshteyn said.
He says Coupa has been beating SAP AG, which in 2012 acquired Ariba Inc. for about $4.3 billion to bolster its presence in the corporate procurement market, for deals. SAP could not be reached for comment.
One new customer, the French health-care company Sanofi, is now piloting Coupa's software after a competitive sales cycle that lasted about six months.
The company said it wanted to cut transaction costs and get a procurement system that's easier to use and more streamlined, without having to customize it. The goal is roll Coupa out to 50,000 users in 85 countries.
Other Coupa customers have no procurement systems–which have tended to be complex and expensive–and are upgrading to Coupa from Microsoft Excel, according to Meritech Capital Managing Director George Bischof, who's a board observer.
"It's not a Frankenstein composite of acquisitions that are difficult to integrate…With Coupa you can get up and running without it costing you an arm and a leg," Mr. Bischof said.
Coupa has hovered around break-even for two of the last three quarters and claims 100% revenue growth year over year, with 95% of customers renewing. The new money will be invested in research and development and international expansion. An IPO is "plausible," Mr. Bernshteyn said.
Current investors Crosslink Capital, Mohr Davidow Ventures, Battery Ventures, El Dorado Ventures and Blue Run Ventures also participated in the round.
To see the full story, visit the Wall Street Journal.


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Whats up, I literally havent been here forever lol
We were tryin to fill a fantasy league need one more person to get 8 teams or 3 for 10 teams. Cheapie league only $25. Draft tuesday at 8pm competitive. On espn live drafting.
Any takers are greatly appreciated. You can pay via pay pal or mail me, doesnt matter. Il even knock $5 off for the first person so we can get the minimum 8. Il pay an extra $5 out of pocket.
Thanks!! GO BUCKS


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Style Informer: Emily Henderson
Ralph Lauren is first and foremost a storyteller—one with a cinematic vision. Whether he's designing clothing, furniture, or accessories, the influence of the great screen classics is never far from the surface. "People ask, 'How can a Jewish kid from the Bronx do preppy clothes?' " he once famously said. "Does it have to do with class and money? It has to do with dreams." Just as was the case with the birth of Hollywood, it took an outsider, with an outsider's ability to romanticize and celebrate, to create such a comprehensive vision of the American good life and all the glamour and drama it entails.
Bel Air collection, 2005
Lauren became a major player in the design world just as Hollywood was entering a renaissance. In the 1960s and '70s, young filmmakers were not only reinventing the art of cinema but also reimagining the iconography of earlier decades: the 1940s noir of Chinatown, the Western grit of Bonnie and Clyde, the postwar New York of The Godfather. (Lauren himself created the costumes for the 1974 production of The Great Gatsby, the ultimate story of a self-made outsider fashioning his own version of the American dream.) Like Coppola, Polanski, and other filmmakers of the era, Lauren took timeless American symbols and talismans and made them grander and dreamier. He made them distinctly his own, even as he made them accessible.
Art Show: Mara Held


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In Years Past
100 Years Ago
In 1913, the Fortnightly Club held its annual midwinter merry-making in the YWCA auditorium in Jamestown Friday afternoon, with a number of guests present, in addition to the members of the club. The program, which was of a very delightful character, consisted of 17 tableaux taken from studies included in the club's program during the past few years. At the conclusion of the program, supper was served and a social hour was enjoyed. The tableaux were in the charge of Miss Gertrude Clemont and the supper was in the charge of Mrs. C.C. Wilson. The affair was in celebration of the club's 20th birthday.
Had it not been for the fact that Policeman Albert Harrison was on duty on East First Street in Jamestown early the previous morning, it was safe to say that the Arcade building on Main Street, one of the largest business blocks in the city, would have been destroyed or at least damaged to the extent of many thousands of dollars by fire and the danger would have been great for the reason that the building was located in the business center of the city and adjoining other buildings. About 4 o'clock in the morning Policeman Harrison noticed flames in the windows in the rear of the fourth floor and without losing any time he turned in an alarm of fire. When the firemen arrived they discovered a roaring blaze in the kitchen of Jamestown aerie, Fraternal Order of Eagles. The firemen succeeded in extinguishing the fire with the use of chemicals and the chemical truck demonstrated that the purchase was a good investment on the part of the city.
75 Years Ago
In 1938, Mr. and Mrs. Silas Himelein met with a serious accident Monday evening when they were enroute home to Findley Lake from Westfield. During the severe wind storm their car left the highway of Route 20 between the state line and North East and plunged into a bank throwing Mr. Himelein through the windshield and inflicting severe head cuts that necessitated several stitches. Ralph Hugg took them to Dr. Simmons in North East where they were treated for lacerations and bruises.
Dorothy Wilson, 14, daughter of Mr. and Mrs. William J. Wilson, 43 W. 10th St., Jamestown, was overcome by fumes from a gas heater in the bathroom of their home in the morning. Her condition was reported as satisfactory at the General Hospital where she was taken by police ambulance. The girl was found lying on the floor of the bathroom by William Bubb, who lived on the second floor of the house. He summoned Mrs. Wilson, who in turn, notified the police. The girl had been found lying on the floor in a semi-conscious condition with a bump on her forehead. The gas was turned on but not burning. There was a pipe on the stove leading to the chimney and this, together with the fact the girl was on the floor probably saved her life as most of the fumes rose and were carried away.
50 Years Ago
In 1963, an early-morning fire destroyed the Van Buren Bay Inn, a plush roadhouse which was recently purchased by two Buffalo men. The loss was estimated at $150,000, according to D. Purdy Monroe, Dunkirk insurance man. He said the restaurant was completely covered by fire insurance. Winds reaching 70 miles per hour caused blowing snow and clogged roads which led to the restaurant, located approximately five miles west of Dunkirk on Route 5. Anthony Randazzo, who had moved to Fredonia, was in the restaurant at the time of the fire, it was learned. However, he did not know the cause of the fire. Firemen were unable to determine the fire's origin. Anthony Gugino of Buffalo was Randazzo's partner in the business. The well-known steak house had been completely renovated by the previous owner about a year ago.
High winds, diminished visibility, and freezing drizzle created extremely hazardous driving conditions throughout the county in the morning. The note of optimism in the weather picture, however, was the fact that cloudy skies undoubtedly prevented the groundhog from seeing his shadow – possibly presaging an early spring. Wind-whipped snow obscured visibility along Routes 5 and 20, forcing authorities to close those highways to traffic from midnight to 8:30 a.m.
25 Years Ago
In 1988, debris was all that was left of a former gas station on Sixth Street in Jamestown, leading into Fairmount and Livingston avenues, where work was being done to straighten the street for the west end of the new Sixth Street bridge. Demolition work was also being finished on another gas station at the corner of Hall Avenue, looking east toward the Sixth Street bridge.
Punxsutawney Phil reportedly failed to see his shadow from atop Gobbler's Knob this morning, signifying another six weeks of winter. And, while professional weather observers didn't necessarily put too much confidence in the prognostications of the meteorological marmot, they did admit winter appeared ready to make its return. In Dunkirk, Dunkirk Dave crawled out of his groundhog burrow at dawn and found himself in remarkably unfamiliar weather. It was wet and soggy but there was no snow. No shadow, either. So he predicted an early spring.


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Here's how RW members rated this race in the past (243 votes).
In short: Chaotic in the baggage drop hallIn full: I started late for this one as I couldn't drop my bag and pick up my number even turning up 30 minutes before the start.The course was something different which was nice. Mud is fine but did they get the tide times wrong? I was under 4 hours but went though the sea upto my ankles. I was thinking anyone close to the cut off of 6 hours would be swimming. Date of review: December 23, 2013
In short: Feet dry in December?In full: I do wonder sometimes at the expectations that have for these racesParking - the fee is not charged by the organiser, there was free parking (as stated in the race pack) but it was further away.Goody bag, it was a bag it had goodies in it, was there a free pair of trainers or a new running kit - no, but then then race entry didn't cost £200.Getting wet, it's a race in December, in England - guess what it's going to be wet. Getting feet wet in the sea - I'm sure they were wet already, now you have a tail to tell.Toilets, queue, quite possibly, but I did hear people coming back inside saying there wasn't a queue outside.Baggage area, now this was a little strange - I've never seen it done this way before, handing out raffle tickets? So room for improvement there. However, in the organisers defence, there were several announcements well before race start to hand bags in early. No organiser can cope with several 100 runners wanting to hand in their bags at 5 minutes to race start.Good, well stocked aid stations, friendly atmosphere, a little bit difference, sort of a trail/road race.Third year of running this, and the weather always has a big impact, always a good start to the Christmas festivities, means I won't feel guilty about having second helpings of Christmas pudding.Date of review: December 23, 2013
In short: A good training runIn full: This was also sold to me as a race. Unless you are at the top end and away at the start i cannot see how this can be achieved. Much queuing in places (not just for the loos). This is first time i had done the `race` and felt pre race organisation was excellent but agree that during race chaotic. Marshall towards end of race preferred talking on his mobile than directing participant.Could have done with pre water station alerts.Too large a field for what potentially could have been a dangerous course,especially due to inclement weather.Goodness knows what real tail runners felt like after walking through sea at end. Can the beach section be changed?Date of review: December 23, 2013
In short: TOO BUSY, LACKED PROPER ORGANISATION. GOODY BAG POORIn full: NOT AS GOO D AS LAST YEAR. MARSHALLING WAS POOR. REROUTED AT THE LAST TWO MILES WITH NO ONE REALLY SURE IF THEY WERE GOING THE RIGHT WAY AND NO MARSHALL EITHER. GOODY BAG FULL OF POOR ITEMS, NO FOIL BLANKET AFTER A LONG RUN. MEDAL WAS LOVELY. DRINKS STATINS WERE POOR AND FEW OF THEM AND NO SIGNS INDICATED THEM EITHER. THIRD TIME OF DOING NO W BUT IT IS LACKING THE APPEAR NOW FOR ME SADLY. Date of review: December 22, 2013
In short: Too many entries in 2013In full: I ran this race in 2012 and again in 2013. The facilities clearly did not cope well with the 1500 entries they allowed this year.If the organisers want to allow so many entries next year they need to sort the bag drop and toilets at the start and possibly consider re-routing to avoid the gravel beech at 2.5 miles on the outward leg.That said, the time of year and the mud made this a race I would do again.Date of review: December 22, 2013
In short: OK for a Sunday long run, but don't bother racing itIn full: Unless you are right at the front, I can't see how this course is race-worthy.I turned this into a long run and thoroughly enjoyed myself. It was sold to me as a race though and I'd have to argue that the course does not lend itself to race conditions. With lots of running in single file, trying not to slip over on 20-odd miles of mud or shingle and a dip in the sea for the stragglers (up to knee level), this is a slow, over-populated and dangerous (in places) course. I'll be back though, but just for a jog again.I object to paying £8.50 for parking and I missed the start by 6 minutes because I had to wait for the toilet. I recommend that the organisers limit entries to 500 in future. Date of review: December 22, 2013
In short: Flat, but mixed terrain and wind makes it challenging.In full: A very flat course around Langstone Harbour and back. I agree with the slightly chaotic start. There seemed to be no announcement to get people sheltering from the elements in race reception out to the race start. It started a couple of minutes early too, which must have confused those sheltering from the rain until the last minute.That's a fairly minor niggle though. I really enjoyed the race. There's a great atmosphere and, once out of Southsea, you have a view of the water pretty much all the time. The surface is a largely a mix of gravel paths and asphalt, with a couple of dips down onto the shingle seashore. the off-road stuff was muddy and challenging in places after the recent rain, with some slippery mud.Really well-stocked drinks stations with friendly volunteers. I missed out on the mince pies and other christmas fayre, but appreciated the gels and water bottles.Date of review: December 22, 2013
In short: Bit too busy for the route and facilities...In full: Fourth year in a row I've done this event and whilst its great that its grown, it's probably got too big for the course its on and the facilities at the current base.Good points1) Friendly folk at the aid stations, lots of well stocked goodies there.2) Goody bag looks decent3) Flat quickish very "multi-terrain course"4) Lots of friendly familiar faces.5) Can park 2 minutes from venue.Bad points1) Pyramids was utterly over crowded/jam packed probably to dangerous levels.2) Course was a swamp in places after a lot of rain... 3) Medal is in the goody bag. Always feel a cardinal sin to do this at a marathon, not even bothered to look at it yet. If the organisers can't be bothered to hang them around finishers necks then its a very anti-climatic finish for me and takes some of the sense of achievement away.4) Course was too busy in many, many places. There were lots of bottle necks, lots of bits of course are single track, there is a kissing gate, bike blockers, mud, puddles, lots of stop/starts/shuffles/stumbles, 1600 entrants on that course is too much I feel.5) Medical staff at the finish could do with some people skills!6) Said parking is £8.507) Start went early, first announcement I heard (at 8:56) was "Its started..."Date of review: December 22, 2013
In short: A great course... For summer!In full: It truly was a great course, but mighty challenging with so much wet mud, running on gravel and strong headwinds.Water stations superb. Really friendly, nicely stocked.BUT, clearly not enough loos at the start, the registration hall was chaos, and the race started a few minutes, this combined with loo queues, means I started really late. Date of review: December 22, 2013
In full: First marathon for me and I did not feel out of place, good organisation and water stations with mice pies, bananas etc, great marshalling and lovely medal and goody bagDate of review: December 22, 2013
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Thanko - Compact smartphone wallet case
Thanko has just released a compact smartphone purse called the "Sumaho* Touch Bag."
...which is less lurid than it sounds.
Terrie's Take: Foreigners' Role in Japanese Land Prices, a Trustworthy Fukushima Report, and More!
Terrie's Take is a selection of Japan-centric news collected and collated by long-time resident and media business professional Terrie Lloyd. AkihabaraNews is pleased to present Terrie's learned perspective; we all could use another take on the news - here's Terrie's:
Shanghai Donya - Smartphone attachment 7X zoom lens
Today Shanghai Donya started selling an attachment lens for smartphone (DN-12739).
With this lens attached, the smartphone's lens becomes a 7X zoom lens.
It can be used for any kind of smartphone or iPhone, regardless of model.
NTT docomo to release Dococchi - Wearable device to track your kid
NTT docomo is finally going to release a waterproof/dustproof wristwatch-style wearable device for kids, the Dococchi 01, next month.
It debuted at NTT docomo's 2014-2015 winter/spring products rollout that took place last October, and we questioned at the time whether it is too protective or overbearing for parents to use such technology.
Unitcom - Windows 8.1 PC "Picoretta" in stick style
Unitcom announced the release of a stick style Windows 8.1 PC called "Picoretta" that will go on sale for ¥19,800 (~$165) on March 28.
Picoretta is a tiny product that weights only 70g. There is an HDMI terminal built-in, and that allows a TV or display monitor to transform into a PC simply by connecting via HDMI.
The Hikaru Skirt, a Fashion Statement that Demands Yet Defies Explanation.
Maybe ummm...just in case you drop your keys?
One of the great things about living in Japan is knowing that there are a neverending string of things that you'll never fully understand. The Hikaru Skirt ("hikaru" just means "shining") is a pretty good example thereof.
Quantum Field Theory R&D – Analysis and Prediction of Strongly Correlated Quantum Many-Body Systems
As one of the projects to commemorate the 75th anniversary of the founding of Keio University's Faculty of Science and Technology, the University has launched the Keio Institute of Pure and Applied Sciences, commonly referred to as KiPAS. At KiPAS, groundbreaking efforts are being made by providing four chief researchers who are focused on fundamental academic research fields with environments that facilitate commitment to research.
Sharp's green tea espresso maker "HEALSIO Ocha Presso" to be released in North America
Today, Sharp debuted (TE-TS56V), a new model of their "HEALSIO Ocha Presso" green tea maker.
They also unveiled their plan to bring it to the North American market for sale this summer. It will be called "Tea-Cere" like a tea ceremony, and the specs will be based on the new TE-TS56V model.


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Skip to comments.Did apes descend from us? (first evos say we descended from apes, now say other way around...LOL!!!)
Posted on 10/02/2009 11:00:06 AM PDT by GodGunsGuts
Did apes descend from us?
Skeleton of Ardi, 1.2-metre, 50-kilogram female may hold the clue
Joseph Hall Science writer
It may well be the closest we will ever come to the missing link between chimps and humans and the most important anthropological find ever.
In a series of studies released today by the journal Science, researchers have revealed a creature that took the first upright steps toward human beings and fundamentally changes the way we look at our earliest evolutionary ancestors.
The research brings into question the belief that our most distant ancestors descended from apes.
What's closer to the truth is that our knuckle dragging cousins descended from us.
That's one of the shocking new theories being drawn from a series of field-altering anthropology papers published today in a special edition of the journal Science.
Meet Ardi, a 1.2 metre, 50-kilogram female that is going to cause a big fuss throughout the anthropology world.
In 11 papers and summaries unveiled by the journal, researchers have revealed the partial skeleton of a creature that undoubtedly walked upright like our "hominid" predecessors, yet had many of the distinctive hallmarks of climbing apes.
"It is probably the most important find we have had yet," says Owen Lovejoy, a biological anthropologist at Ohio's Kent State University.
"It's transformative. This is a lot closer to anything that you'd call the missing link than anything that's ever been found," says Lovejoy, one of the primary authors on the journal package.
Among other things, research on the 4.4 million year old creature suggests that humans are far more primitive in an evolutionary sense than the great apes -- like chimps and gorillas -- of today.
"In a way we're saying that the old idea that we evolved from a chimpanzee is totally incorrect," he says. "It's more proper to say that chimpanzees evolved from us."
(Could that line of thinking evoke howls of outrage is some creationist quarters? "Oh God yes," Lovejoy laughs.)
Lovejoy explains that the "hominid" lines of upright species that evolved, in fits and starts, into humans, have much more in common physiologically with Ardi than do modern chimpanzees.
Chimps, he says, experienced much more profound evolutionary changes in their backs, pelvises, limbs, hands and feet as they adapted themselves to life in the trees than we ground dwellers did.
"Hominids, it turns out to be, are pretty primitive," Lovejoy says
"We're pretty much unchanged, or let's say we're less changed since the last common ancestor with chimpanzees than are chimpanzees."
Lovejoy explains that the actual missing link -- or last common ancestor in scientific parlance -- may have first sprung up some six million years before Ardi - short for Ardipithecus ramidus.
But Ardi, while past the initial link stage, possesses enough ape and hominid traits to show what those true common ancestors would have looked like, he says.
"It's the first find that we have that is really informative about what that last common ancestor was like."
And we're much more like the Ardi creature than any of today's apes, meaning they've evolved from human-like creatures - not the other way around, he says.
i believe tih postulated that here a long time ago.
Is that supposed to be an improvement?? lol
I am convinced we know nothing or next to nothing about anything =o)
Relying on deliberate misstatements and misinterpretations is never going to get the 'thumpers far. . . unless, of course, the goal is to prove idiocy.
bookmark to read later
And then their equally convinced about that!! It's insane.
"most important ever"
They just don't care. As long as it's not the Bible way, then they might have to question their own behavior, and have a population who sees God as the source of their Rights, rather than SCOTUS.
This is just a theory (can I get a government grant?), but I postulate that our early ancestors, faced with a growing body of lazy, inept, whining, morons in their population (liberals), excised them from the rest of the group in order to save the remainder.
Over time, they (liberals) evolved into the hairy, orifice-scratching, sub-humans that we know as apes and monkeys.
Maybe that's why they're into Gaia worship - think of it as a generational retirement plan.
I'm with you. We don't know where we are, when we are, what we are, or why we are. Other than that, we've got it all nailed.
Could have been the offspring of Tarzan and Jane...
Using evidence that says we ascended from a 5 million year old species separate from apes as evidence that we are living on a 6,000 year old planet is a definite non-sequitur and an invitation for ridicule.
As I understand it, the consensus idea of evolution has for at least a century been that humans and apes are descended from a common ancestor. I don't see how this discovery changes that in the least.
These images, provided by the journal Science, show reconstructed frontal views of "Ardi," a hominid who lived in what is now Ethiopia 4.4 million years ago.
How does that 4.4 million year figure work with the young Earth theory?
It either blows up the YEC theory or blows up the article in YEC eyes.
You can't have it both ways.
Well the question I always ask evo's is if we evolved from apes, why did we evolve with the immediate need to clothe ourselves. Seriously, if we aren't bundled up immediately we would die. Makes no sense. The best answer I got was basically, hairless was more sexy, and that's why we are here. So this argument makes sense inthat respect. Still blatantly false.
You posted an actual evolutionist link to debate. Good, I have no negative comments for that. Go at it.
This is all speculation of course.
Any "scientist" who can say such a thing with a straight face is an idiot.
If humans have evolved less than chimps in a given timespan it's because humans were better suited to their environment to begin with. Or because humans soon started adapting the environment to fit themselves rather than the other way around. Which doesn't exactly sound "primitive" to me.
"Among other things, research on the 4.4 million year old creature suggests that humans are far more primitive in an evolutionary sense than the great apes — like chimps and gorillas — of today. "
GGG. You are posting another pro-evolution article! Amazing. That is two just today!
The sheer babbling idiocy the Temple of Darwin has been reduced to speaks for itself ;o)
How would that work, exactly? I mean, the hippies tried this in the '60s, but most of them can still talk. Sort of.
This evolution stuff is still happening. I have this brother-in-law . . .
But the evolution of you into a pro-evolutionist has to be an example of macro-evolution!
If you look into the evo-religious assumptions that go into Temple of Darwin dating methods, you will find that they are just as subjective as their human evolution fairytale.
==Sort of.
One massive slapdown was not enough for you today?
The more educated one is, especially in science, the less likely they are to be a Creationist.
It is obvious that Creationist sources know this and thus play to their audience.
What can I say, it's hard to resist smacking the Temple of Darwin down when they make it so easy...LOL!
I take it you have made yourself an expert on this. Please enlighten the readers.
If that is really what you think you did, that you have far bigger problems in your life than just being a "YEC"
These "scientists" survive on grant money, which doesn't come in when or if a large amount of time and sum of money invested doesn't result in a "break-through". Ergo, Ardi is a scientific break-through. It will be interesting to see the paleo-anthropoligist community respond to this over the next few months. These guys/gals have tremendous egos and hate to see their current and prevailing theories edged out.
Don't hold your breath waiting for GGG to answer that. He refuses to do so.
"the offspring of Tarzan and Jane"
Tarzan, Cheetah the chimp and a fast spotted cat had
contest to determine who would be king of the jungle.
Tarzan would swing from vines, the chimp, from branch to branch and the chee-
screw this
That's because biblical creation is not a problem, except, of course, to rabid Temple of Darwin fanatics such as yourself :o(
What do Zera and Cornelius have to say about this?
There are approx. 120,000 'temples' on planet earth, not a single one has "Darwin" posted over the door.
When you find one... let me know, otherwise, keep your pitiful insults to yourself.
No creation.....but, all this matter from an infinitesimally small point that was held together by gravity, the weak force for crying out loud, when a disturbance unleash in a big bang and viola'....here we are.
And they think we are silly in our faith in a God that created everything........BAWHAAAAAAAAAAAAA!
God is not mocked, he will take the crafty in their own craftiness.
Time will end, and the truth of God will prevail.
But the time of God is infinite, and the mind of man is small, as you just proved so beautifully.
The Y-5 pattern in dentition surely seems "human" from Australopithicus on. I think the key was human's eventual ability to abstract information from their environment, such as Neanderthals placment of flowers in the "graves" of their deceased thus recognizing "something" beyond themselves.
All seems of God to me.
"Maybe our subjugation of the human race was justified after all."
Hey GodGunsGuts - we're all talking about Obama's Epic Fail in Copenhagen. Why don't you come out of your one-subject hole for a while and participate in the bigger world that exists?
"Being that we are the image and likeness, we should expect to see traces of this in both our objective (i.e., bodily) and subjective (i.e., mental) states. Furthermore, there is no reason to believe that other animals shouldn't share traces of this absoluteness, only in lesser forms, as they are "descended" from man, rather then vice versa.
"In other words, in relative, horizontal, and Darwinian terms, we may be "descended" from animals (or ascended, really), but in absolute and vertical terms the reverse is true. An ape is a partial manifestation of man; man is not a "perfect ape," although Keith Olbermann comes close. ~ G.B.
More: http://tiny.cc/xQnTK
"Also, a key point is that the lower animals are vertically descended from man, whereas horizontally speaking it is the reverse. Thus we see "traces of humanness" in the lower animals, and traces of animality in man." ~ G. B.
"Yes, to say that Adam "names the animals" is to say that man knows their vertical essences." ~ Petey
More: http://tiny.cc/SYz9q
Then why are the Temple of Darwin scientists saying that this "research brings into question the belief that our most distant ancestors descended from apes"?
>> These scientists survive on grant money, which doesnt come in when or if a large amount of time and sum of money invested doesnt result in a break-through. Ergo, Ardi is a scientific break-through. It will be interesting to see the paleo-anthropoligist community respond to this over the next few months. These guys/gals have tremendous egos and hate to see their current and prevailing theories edged out. <<
There is a lot of Ego in Science, I am a bit ashamed in that they are still dismissive of the "Aquatic Hominid" theory which has a lot of laudable observations on where we came from and why. Also a lot better hypothesis on some of the traits that separate us from the apes.
I miss the pure scientists of the 1900's through 1950's who slaved away in labs making the world a better place through science. Now days we get people who claim they are scientists but take the facts of the world around them and abuse them by bending them in to fit their agendas either the Global Warming crowd, or the YEC crowd.
Science is the not the belief in Science as a replacement for God, but Science is the applied practice of skepticism and methodical experimentation as a tool to understand the world in which we live in.
We're built for running around central Africa in the heat of the day when any sane animal is looking for shade. Very few other animals have sweat glands over their entire bodies to dump as much heat as we can. Get outside of the 90° weather and we start shivering.
"It is an unsolved mystery to evolutionists as to why coal has 14C in
it,23 or wood supposedly many millions of years old still has 14C present,
but it makes perfect sense in a creationist worldview."
Ha Ha Ha. You above link was written to mislead the ignorant and lazy.
Radioisotope evidence presents significant problems for the young earth position. Baumgardner and the
RATE team are to be commended for tackling the subject, but their intrinsic radiocarbon explanation does
not work. The previously published radiocarbon AMS measurements can generally be explained by
contamination, mostly due to sample chemistry. The RATE coal samples were probably contaminated in
situ. RATEs processed diamond samples were probably contaminated in the sample chemistry. The
unprocessed diamond samples probably reflect instrument background. Coal and diamond samples have
been measured by others down to instrument background levels, giving no evidence for intrinsic
The webpage cannot be found
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Thursday, November 21, 2013
FAA Launches Air Carrier Training Group
Several weeks after expanding commercial airline pilot training rules, the FAA on Thursday Nov. 21 launched a new government-industry team that will focus on studying training issues with the goal of advocating additional best practices for training new commercial airline flight crews.
Earlier this month the agency mandated new commercial airline training provisions aimed at giving pilots more instruction on dealing with flight hazards such as recovering from aircraft stalls and upsets. The new Air Carrier Training Steering Group has been tasked with looking at ways to further expand upon those provisions.
"We want to identify additional areas for improvement in training, and make voluntary efforts to address these. We live in a world today where we cannot regulate every aspect of safety," said FAA Administrator Michael Huerta. "One of the most successful safety engagements we've had between government and industry is CAST – the Commercial Aviation Safety Team. We are sharing data and looking at trends. When we do this, it's obvious to all of us where we need to act."
Huerta said he will also be reaching out to airlines to ask them to support their representatives that are nominated to serve on the group. He said the agency is also looking for recommendations on how to improve training for flight attendants and dispatchers.


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Here's how RW members rated this race in the past (134 votes).
In short: Excellently organised, fast and flat race with a terrific array of cakes at the end!!Date of review: November 28, 2005
In short: Very well-organised race.In full: Thanks to Eynsham Roadrunners again for the excellent organisation and friendly, encouraging marshalls. Always a joy to be back in my old school assembly hall as well!Date of review: November 28, 2005
In short: Well organised as ever, but you really need to do something about the weather!!Date of review: November 28, 2005
In short: Slick organisation, flat course, friendly marshalls - what more could you want?In full: This was my second time at Eynsham - both times the organisation has been really smooth and the marshalling very friendly and supportive. The course is flat and has good PB potential. It's a great Sunday morning out.Date of review: November 28, 2005
In short: A really well organised race with great potential for a personal best.In full: This is a really well organised race with enthusiastic marshalls who keep your spirits up when you're flagging. Almost entirely flat - I shaved two minutes off my personal best! And the selection of homemade cakes in the school hall make it well worth the trip. The showers were a bit cold though!Date of review: November 27, 2005
In short: Best organised 10k I've run In full: Hats off to the marshalls & helpers & spectators too! Missed a pb by 4 secs, but with the 500 + field it took a while after the gun to get going. Definite pb potential for the speedsters as all pretty flat. The narrow paths made passing difficult in the damp conditions, but still enjoyable. Nice to have a souvenir t-shirt.Well done all who made the race a special one! Date of review: November 27, 2005
In short: Great race, will be back next year!In full: A fast and flat course makes it a good for PB potential. Very well organised - only slight niggle was that I missed out on the water because there weren't enough marshalls at the drinks station. Despite this though, I thought the organisers did a fab job - it's not easy organising a group of 500-odd runners to run along the A40 when it's not closed to traffic!Date of review: November 27, 2005
In short: Good fun. Flat, well marshalled course with a friendly atmosphere. Facilities pretty good. Pity about my time, I'll blame yesterday's 9 pints?!Date of review: November 27, 2005
In short: cold, gloomy but v.well marshalled and worth another attempt next year!In full: the weather wasn't great and lets face it te route doesn't allow for great scenery or miles of spectators but well done to Enysham Road Runners for a fab job - the marshalls did a good job in terms of keeping us on the route without being run over by the traffic and they kept our spirits up. The leg down the A40 is a killer but thanks to the 2 nice chaps in front being my wind shield! Got a PB by a staggering 7 mins 23 seconds (no excuses for plodding now!) will be back next year without a doubt!Date of review: November 27, 2005
In short: The race as a lot bends well worth doingIn full: The race is trough and around a small village well marshalled long may it last.Date of review: November 27, 2005
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