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"The Student Christian Fellowship is just one more religiously affiliated option for students who want to feel accepted on a UCC campus. Many people don't know it, but we are an open and affirming group."
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Check in from 12h / Check out prior to 12h
Oceanis Beach & Spa Resort: Find photos, reviews, information, amenities and compare prices for 4 stars hotels in Psalidi, Greece.
Oceanis Beach & Spa Resort is located on Kos Island and provides 4-star accommodation in addition to a saltwater swimming pool, a private beach and a Jacuzzi. It has a fitness centre, as well as outdoor tennis courts, a swimming pool and a sauna.
Hotel description
There are a variety of amenities available to guests of the resort, including a kids pool, a beauty centre and an all-inclusive meal plan. Those staying at can take advantage of the resort's recreational activities, such as bicycle rental and billiards.
Guests staying at Oceanis Beach & Spa Resort can relax in their luxurious rooms that feature a private bathroom, a refrigerator and a mini bar. A hair dryer and cable/satellite channels are also provided.
Oceanis Beach & Spa Resort provides breakfast every morning that guests can enjoy before heading out to discover the region. Room service is also offered at certain times.
Kos Island International Airport is under a 45-minute drive from the resort. It also provides a convenient location to discover Agios Fokas and Kos.
Hotel features
Room Service, Air Conditioned, Mini Bar, Refrigerator, Cable / Satellite TV, Hair Dryer, TV, Billiards, En suite, Private Bathroom
Concierge, Elevator / Lift, 24 Hour Reception, Dry Cleaning, Currency Exchange, Multilingual Staff, Laundry service, Bicycle Rental, Shops, Luggage Storage, Shops in Hotel
Fitness Room/Gym, Swimming pool, Tour Desk, Massage / Beauty Centre, Tennis Courts, Sauna, Garden, Volleyball, Jacuzzi, Massage, Spa & Wellness Centre, Pool Outdoor
High-speed Internet, Internet Connection (wireless)
Private beach, Nightclubs, Child Pool, Souvenirs/Gift Shop
Availability and Prices
Booking Site
Room Type
Per room
Per night
Per night
Users who viewed Oceanis Beach & Spa Resort also viewed these 4 stars Psalidi hotels:
Iberostar Kos Bay View
Psalidi, Psalidi
Psalidi, Psalidi
Sun Palace Resort & Spa Psalidi (Kos)
Psalidi, Psalidi
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Kipriotis Village Resort
Psalidi, Psalidi
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Englisch-Deutsch Übersetzung für "enormous"
"enormous" Deutsch Übersetzung
However, the political and economic pressures on these countries are enormous.
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For some reason everything else gets tiny, but portable radios get enormous.
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Synonyme (Englisch) für "enormous":
Ähnliche Übersetzungen
Ähnliche Übersetzungen für "enormous" auf Deutsch
Beispielsätze für "enormous" auf Deutsch
This flagging out has enormous detrimental consequences for the European Union.
I realise that this is enormous and that the figure is perhaps rather arbitrary.
Adopting a directive on environmental liability would be of enormous value.
– Mr President, the subject of our debate today is one of enormous significance.
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The destruction or evacuation of healthy animals is meeting with enormous resistance.
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First, I want to tell you that I have an enormous respect for all languages.
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The enormous majority of Spanish society is against a unilateral attack.
I believe we all want to make the Luxembourg summit an enormous success.
You know, where it was highly technical, and it required enormous planning.
These amounts might appear laughable to you but to us they are enormous.
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Published on
Presented by Mark Miller, Software Engineer, Cloudera
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Hutch Games
Appears in 25 channels
Reviewed in Die besten Apps und Spiele
Fahrt in diesem Rennspiel so viele Streckenbebauungen und andere Autos über den Haufen um dadurch Euer Ansehen zu steigern! Außerdem müsst Ihr durch geschicktes Rammen, die heranrückenden Polizeiwägen ausschalten, welche Eurer Raserkarriere ein schnelles Ende bereiten wollen! P.S.: Dieses Spiel finanziert sich über In-App Käufe! Außerdem auch für Tablets optimiert!
Reviewed in Games worth playing
An energy-based free game. It's nice to crash everything in your way escaping the police with various cars to unlock. Only annoying fact is the energy limit of 5 runs before you can't really go on...but ye, free games aren't free these days, wish it would cost a bit and had no play limit. Still a funny game.
Reviewed in A LITTLE OF THIS AND THAT
Nice game from the makers of Smash Cops
Reviewed in The best of the best for true gamers
Does contain iaps but I've never needed to spend anything. Fun police chases, lots of destruction, and affordable (in game money) performance upgrades. Graphics are detailed and realistic, what more could you need
Reviewed in Aweasome games for Android
Named as one of TouchArcade's Top 10 Games of the year. From the makers of Smash Cops – crash through America in the craziest road race to hit the Google Play Store. Power up to faster cars, get the edge with getaway gadgets and outrun the cops as you speed to the state line.
Well, almost. Whichever route you take through an ever-changing world of dirt tracks and dusty logging towns you can crash and bash your way through smashable scenery in the most intense display of destruction you have ever seen.
Make sure you're always ahead of the game (and the cops) with cool car upgrades. Start with a puny compact and make it awesome with extra speed, handling and strength. And when you start earning big, you might just get your hands on the fastest road car on the planet, the stunning Hennessey Venom GT.
What crazy road race would be complete without a TV chopper hovering overhead? The further you get and the more you smash, the bigger the TV ratings and the more cash you earn. Play against your Facebook and Google+ friends to see who can become the most famous Bandit on network TV.
Before you head off you get to choose something to help you along the way. Stinger-proof tires, the 'Stunner' car taser and even a tank are available to give you the edge over the relentless Sheriff McBride and his deputies.
Innovative one-finger control makes it super easy to drive, drift & spin your car, and unleash those helpful gadgets - no matter where you're playing.
The Smash Bandits race organisers don't think that simply out-running the cops is a big enough problem, so they've put together over 100 challenges where you can test your driving skills to the limit.


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Serene and impeccably maintained custom built home by Albert Construction. Original owners recently renovated the kitchen with granite and new stainless steel appliances (all staying); new heating; air conditioning; and water heater. New installation of wall-to-wall carpeting; new hardwood floors in the dining room; and Italian tile floors in the entry and kitchen. There are 4 bedrooms with a possible 5th in the large size loft; Master bedroom with private bathroom and plenty of closet space. This two story home also has a large family room with fireplace and French doors leading to the cedar deck overlooking the private wooded setting; an eat-in kitchen, plus and oversized living room. House is easy to show, come see for yourself , it won't disappoint.
Listing Area: Cumru Twp
The data relating to real estate for sale on this website appears in part through the TREND Internet Data Exchange program, a voluntary cooperative exchange of property listing data between licensed real estate brokerage firms in which Callaway Henderson Sotheby's International Realty participates, and is provided by TREND through a licensing agreement and identified with the TREND IDX Logo. Some properties which appear for sale on this website may no longer be available because they are under contract, have sold or are no longer being offered for sale. Some real estate firms do not participate in IDX and their listings do not appear on this website.Some properties listed with participating firms do not appear on this website at the request of the seller.
2017 TREND, All Rights Reserved. Information Deemed Reliable But Not Guaranteed.


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A little guidance for a fresh install of Windows 7 ultimate, please.
View Single Post
18 Nov 2011
Windows 7 Ultimate 32 bit
6 posts
seavixen, I appreciate the response, but I am not looking to recover anything.
The reason I wrote 'recovery partition' is because that's what the partition was labled as when Vista was installed.
All I'm trying to do is get the partitions set up more or less the same as they were in Vista; C: (My Documents, Program Files etc..), D: (Windows 7).
My System Specs
Windows 7 Ultimate 32 bit
View Public Profile
Find More Posts by Toasty84


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Greenacres School PTA
Saturday, June 7, 2014 from 9:00 AM to 12:00 PM (EDT)
Who's Going
San Francisco, California
London, United Kingdom
Florence, Italy
Event Details
Egg Drop In this workshop we will see who can design the best protective housing for an egg before dropping it 10 feet from the air. This classic problem solving activity will challenge participants to use their creativity and their science knowledge.
Soft Electronics with the Makey Makey and Scratch The Makey Makey allows you to turn any object into a computer key. You can design a video game controller with play dough, make a piano out of a banana, or other limitless possibilities. We will hook up the Makey Makey and make a basic game with Scratch.
Spaghetti Challenge Using only 20 pieces of spaghetti, a yard of string, and a yard of tape, your mission is to build a freestanding structure that can hold a marshmallow. You only have 15 minutes!
Paper Speakers In this workshop participants will turn ordinary post-it notes into speakers by using rare earth magnets and wire. A fun hands on activity and crash course on the physics of sound.
Paper Rockets Using just ordinary paper and tape participants will create an aerodynamic rocket that can be launched toward the sky. After designing and building your rocket, you'll use our bicycle-pump compressed air launcher to send it off.
Intro to Soldering Come put together a basic circuit and learn the technique that enables just about all electronics you buy in a store. A must have skill for current and future Makers. Walk away with a blinking LED badge that you can wear. (for 4th and 5th graders only)
3D Printing and Plastic prototyping Demo If you've never seen a 3-D Printer before, this is a good chance to see them in action materializing a physical plastic object before your very eyes. You'll also work with Instamorph hand-moldable plastic to make your own plastic sculpture.
2-D Design and Vinyl Sticker Cutting Learn how to use the free vector design software inkscape to design your own nametag. We'll then cut out your design using our vinyl cutter, which is basically a sticker cutting robot.
Silk Screen Printing Bring your own blank tshirt and learn how to do silk-screening, using our pre-designed STEAM Day screens. Take away your own souvenir to commemorate the day.
When & Where
Greenacres School
41 Huntington Ave
Saturday, June 7, 2014 from 9:00 AM to 12:00 PM (EDT)
Add to my calendar


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WunderPhotos Upload
Day's End Update
Uploaded by: Kennebunker
Friday February 8, 2013
Kennebunk, ME (Current Weather Conditions)
Caption: Technically, we are still waiting for the impact of this Nor'easter to hit us. We have accumulated over 6 inches of the fluffy white stuff from the coastal front that set up along the Gulf of Maine this morning, and the two lows are beginning to merge over New England. You can see that the fine snow is being driven sideways from a gust of wind. We expect near hurricane force gales overnight.
Image Description:
Manufacturer: NIKON
Model: COOLPIX P500
Orientation: top - left
x-Resolution: 72.00
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Resolution Unit: Inch
Software: QuickTime 7.7.1
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February 8, 2013 Photo Series
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With a stay at Blue Beach Hotel in Da Nang, you'll be near the airport and convenient to Vincom and Museum of Cham Sculpture. This hotel is within close proximity of Dragon Bridge and Han Market.
Make yourself at home in one of the 41 air-conditioned rooms featuring refrigerators and minibars. LCD televisions with cable programming provide entertainment, while complimentary wireless Internet access keeps you connected. Conveniences include phones, as well as desks and complimentary bottled water.
Be sure to enjoy recreational amenities including a spa tub and a sauna. This hotel also features complimentary wireless Internet access, babysitting/childcare (surcharge), and wedding services. Guests who want to try their luck at the slots can hop on the complimentary casino shuttle.
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Business, Other Amenities
Featured amenities include complimentary high-speed (wired) Internet access, a computer station, and express check-in. A roundtrip airport shuttle and a train station pick-up service are provided for an additional charge.


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'Ghost in the Shell' Teaser Trailers: A Glitchy Look at the Familiar
Posted on Wednesday, September 21st, 2016 by Peter Sciretta
Timed with Wednesday night's broadcast of the Mr. Robot season finale, Paramount treated us to our first look at the upcoming live-action Ghost in the Shell movie. After the jump, you can watch all five of the new Ghost In The Shell teaser trailers.
Read More »


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Chestnut Honey-Baked Pears Stuffed with Mascarpone
Recipe courtesy of Melissa Murphy, Sweet Melissa Patisserie, Inc.
- Chef Du Jour
- 4 ripe but firm bosc pears, stem intact
- 1 cup dry white wine
- 1/4 cup, plus 1 tablespoon chestnut honey
- 1/2 cup water
- 1 cinnamon sticks
- Zest of 1 lemon
- 1 1/2 vanilla beans, split
- 1/2 cup mascarpone cheese
Preheat oven to 350 degrees. Combine wine, 1/4 cup chestnut honey, water, cinnamon, and lemon zest in a medium saucepan. Scrape the seeds from the vanilla bean and add the seeds and the scraped bean to the pot. Bring to a simmer, stirring. Pour the poaching liquid into a baking dish just large enough to hold the pears. Keeping stems intact, remove the core from the pear using a melon baller (apple corer) entering through the base and removing only the woody core and seeds. Trim the skin off the base only of the pear and place upright in baking dish. Bake the pears about 25 to 35 minutes or until tender. You must baste the pears with the liquid every 5 to 7 minutes. The skins should be crinkly. Remove from oven and let cool in the liquid.
Combine the mascarpone with the remaining 1 tablespoon chestnut honey. Using a pastry bag, fill each pear at its base with the mascarpone. Serve drizzled with poaching syrup.
Recipe courtesy of Melissa Murphy, Sweet Melissa Patisserie, Inc.
CATEGORIES:View All
Cooking Tips
More Recipes and Ideas
Chestnut and Pear Stuffing
Recipe courtesy of Anne Burrell


text:
Tax-ifornia adopts cap-and-trade penalties
While even the global warming enthusiasts in Europe are waking up to the economic destructiveness of that movement, California persists in worsening, rather than lessening, the burden on its businesses and residents.
The California Air Resources Board has voted to adopt a cap-and-trade program to set a maximum limit for greenhouse gas emissions. The scheme would allow (don't you love the concept of the government "allowing" something?) regulated industries to buy or trade emissions credits to meet the goal of reducing greenhouse gas emissions as established by AB 32, the infamous Global Warming Solutions Act.
The California Chamber of Commerce got it right: "Included in what was approved by CARB yesterday is a new tax, estimated by a CARB member to raise $2 billion from businesses, that will drive up costs for California consumers."
But at least it will solve "global warming." Oh wait. The globe hasn't been warming appreciably for more than a decade, and hasn't warmed any more than historically typical over millenia. Oh, yeah. There's massive disagreement among scientists that man's emissions even have anything to do with temperatures, up or down.
But what the heck. It's only a $2 billion tax.
Remember how the Europeans used to complain that the U.S. Senate voted 95-0 to kill a likewise harebrained scheme in 1997? While California lawmakers have decided to do essentially what every U.S. senator who voted refused to do, now we find that Europe is thinking better of it too.
"The European Union is for the first time clearly questioning whether it should press ahead with long-term plans to cut greenhouse-gas emissions if other countries don't follow suit, in what could herald a significant policy shift for a region that has been at the forefront of advocating action to combat climate change. The document is unambiguous about the risks if Europe acts alone. 'It has to be seen clearly that there are risks associated to unilateral EU action,' the commission says in its draft. 'There is a trade-off between climate-change policies and competitiveness. Europe cannot act alone in an effort to achieve global decarbonization,' the paper says," according to Alessandro Torello in The Wall Street Journal.
Oh, what the heck. If Europe doesn't want to act alone to solve this non-problem, at least California does. What's another couple billion in taxes on businesses? What else would they do with that money?
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A masters is the first level of graduate coursework and can be obtained after you receive a bachelor's degree. Earning a masters usually requires two years of full-time study, which amounts to 36 to 54 semester credits.
Typically, music programs concentrate on the historical, theoretical and technical aspects of music and performance. An interdisciplinary field, music is as much for the ambitious academic as it is for the aspiring professional musician.
UK, United Kingdom is more than 300 years old and comprises four constituent nations: England, Scotland, Wales, and Northern Ireland. The UK has been a centre of learning for the past 1,000 years and possesses many ancient and distinguished universities. Foreign students make up a significant proportion of the student body at UK universities.
Bath has two universities and two separate colleges. The University of Bath was even named University of the Year in 2011 and is concentrated on science and mechanics while Bath Spa University is more about social sciences. Other colleges are City of Bath College and Northland College.
Best Master Program in Music in the Bath in the United Kingdom
This is the world's first and only Master's Degree in Songwriting. Offered in both attendance-based and distance learning formats, it is aimed at unpublished songwriters wishing to develop their craft to a [+]
Master in Songwriting
This is the world's first and only Master's Degree in Songwriting. Offered in both attendance-based and distance learning formats, it is aimed at unpublished songwriters wishing to develop their craft to a professional level, and published songwriters wishing to achieve academic accreditation whilst continuing to improve creatively. The course, which is based at the university's Corsham Court campus, will help you to develop a range of critical, practical, communicative, industrial and research-based skills.
During the programme you will learn to:Comment critically upon your own and others' material; Examine the musicological and historical roots of your craft; Consider the commercial value of your songs in the marketplace; Rewrite and collaborate; Conduct academic research; Develop technical skills; Create a professional-standard portfolio of your work. ... [-]


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Attingal and Palakkad are located at a distance of 0Kms from each other. Palakkad can be reached in about .Bus travel is a popular travel option between these two cities, and many buses ply between Attingal and Palakkad. Hindusthan Travels is a major operator along this route. You have buses starting from , till . Minimum fare for bus travel along this route is Rs.0, and the maximum fare is close to Rs.0.
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Palakkad, also known as Palghat, is a district in Kerala which connects the state to Tamilnadu through Palghat Gap located in the Western Ghats. The largest district in Kerala, Palakkad is bestowed with rivers, hills and paddy fields. Palakkad Fort which was built by Hyder Ali in the year 1766 is the main place of tourist interest. The fort changed many hands, from Zamorins to the British, and is known as Tipu's Fort. The fort has a functioning jail and a Hanuman temple inside. Among the other temples, Vadakkanthara Bhagavathy temple, Meenkulathi Bhagavathi temple, Perungottukavu Bhagavathi temple, Manappullikkavu temple, and Nallekkavu Ayyappan temple are worth mentioning. Another important site is the historical Jain temple in Jainmedu where the remnants of Jainism can be found. The Dhoni Waterfalls and the Silent Valley forests are popular trekking spots for the tourists. The Malampuzha Dam and Gardens also attract a lot of tourists.


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Description of this paper
Argosy B6029 Module 4 Assignment 1: Discussion?Supply Chain Management as a Value Driver
Assignment 1: Discussion?Supply Chain Management as a Value Driver;A successful supply chain strategy includes good design and implementation. However, supply chain strategy is not considered truly successful until there is a measurable contribution to the bottom line. To be successful, managers must plan, forecast, and execute the operational plan as well as face and overcome the organizational, partner-based, and personnel-based factors that can diminish value. Effective supply chain management continues to grow in importance as a competitive differentiator for most companies. However, most companies fail to realize a competitive advantage or value for the customer.;Using the module readings, Argosy University online library resources, and the Internet, research supply chain management. As you examine the readings in this module, consider how change affects all stakeholders in the supply chain and apply those reflections to the following questions;What do you consider are some of the problems that affect supply chain management success?;Using at least two current examples, discuss effective supply chain strategies that were used by a company to positively impact organizational effectiveness and yield desirable results.;BySaturday, December 6, 2014, post your response to the appropriate Discussion Area. ThroughWednesday, December 10, 2014, review and comment on at least two peers? responses.;Write your initial response in 300?500 words. Your response should be thorough and address all components of the discussion question in detail, include citations of all sources, where needed, according to the APA Style, and demonstrate accurate spelling, grammar, and punctuation;Do the following when responding to your peers;Read your peers? answers.;Provide substantive comments by;contributing new, relevant information from course readings, Web sites, or other sources;building on the remarks or questions of others, or;sharing practical examples of key concepts from your professional or personal experiences;Respond to feedback on your posting and provide feedback to other students on their ideas.;Make sure your writing;is clear, concise, and organized;demonstrates ethical scholarship in accurate representation and attribution of sources, and;displays accurate spelling, grammar, and punctuation.;Grading Criteria;Assignment Components Max Points;Initial response was;Insightful, original, accurate, and timely.;Substantive and demonstrated advanced understanding of concepts.;Compiled/synthesized theories and concepts drawn from a variety of sources to support statements and conclusions.;16;Discussion Response and Participation;Responded to a minimum of two peers in a timely manner.;Offered points of view supported by research.;Asked challenging questions that promoted discussion.;Drew relationships between one or more points in the discussion.;16;Writing;Wrote in a clear, concise, formal, and organized manner.;Responses were error free.;Information from sources, where applicable, was paraphrased appropriately and accurately cited.;8
Paper#19632 | Written in 18-Jul-2015Price : $30


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A little about me!
(Page 9 of 16: Viewing Diary Entry 81 to 90)
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Please Help-A Simple Click Helps Raise Funds & Awareness of- IMHAMay 5th 2008 4:35 pm
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Our friend, Remo, is sickApril 29th 2008 2:30 pm
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We just heard that Remo is not feeling well, he has acute renal failure and is at his doctors, receiving IV fluids for a few days. Please join us in the Power of the Paw for our friend.
our sweet friend, BrandibearApril 22nd 2008 9:07 am
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Well, our little friend, Brandibear, who is the sister of our dear friend, Kubbi, has one more chemo protocol to go. She is with the best family - they adore her and is receiving the very best care and help that she needs to feel good again! We are sending Hugs to our sweet girl, Brandibear....... Plus Friendly forum thread, and a candle lighting site as well have updates.
WINston is Dog of the Day, April 22, 2008!April 22nd 2008 4:05 am
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My dear friend, Winston, has been recognized and named Dog of the Day, by the Dogster community! We are so blessed to know Winston, Rocky and I love him so, he has been so brave and strong in coping with the Acute Renal Failure from tainted Menu foods, and recently losing the sight in his good eye. He is our inspiration xo Congratulations to our Winston xoxo!!
I am Springtime Tagged!April 6th 2008 7:01 am
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My dear friend, Rudy, has Springtime Tagged Me and also my dear friends, the purple girls of Oregon!
Arthur's brother is here!April 5th 2008 3:04 pm
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Today was a special day, we got a pawmail from Arthur - his new brother Damon is on Dogster! He is a black Lab, a big guy, with beautiful smile and so sweet! We are so happy for him and his wonderful family! It's so nice to read good news!
My reflection picture ! xoApril 4th 2008 3:11 am
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Oh, thank you sweet Cleo, in Memory, for my beautiful water reflection picture - I just love it!
I was visited by a sweet Spring Fairy!!April 2nd 2008 7:24 am
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Oh, what a surprise - a little birdie is singing me a pretty song and a sparkling picture is on my page - thank you to the Spring Fairy xoxo! Wishing you and your family a happy Springtime! xo
Our friend, WinstonMarch 20th 2008 1:51 pm
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not so very good news today... Sent: Thu Mar 20
My Beautiful Rainbow StarMarch 18th 2008 11:46 am
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Oh my, I received a beautiful Rainbow Star on my page today, it so kind of some sweet friend. Thank you, I love it xoxoxo
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Portola Valley residents with homes near a proposed cell phone antenna at Golden Oak Drive and Peak Lane in the Westridge neighborhood told the Planning Commission recently how unhappy they were about having the antenna there at all, much less having to contemplate its aesthetics and the effect on their property values.
After considering the matter at its April 7 meeting, the commissioners delayed further discussion of a 10-year conditional use permit for T-Mobile West Corp. The commissioners "need a whole lot more information" on alternatives, Planning Manager Leslie Lambert said in an interview.
The commission has some four months before a decision is necessary. Among the areas of interest, Ms. Lambert said, are the scope and impact of micro-cell antennas a less prominent alternative and a third-party opinion of the project, including a so-called gap in coverage claimed by T-Mobile.
The phone company enjoys an advantage under a federal law that, in the interest of promoting competition among phone companies, pre-empts certain local government regulations, Town Attorney Sandy Sloan said.
And if the phone company claims that it needs the antenna to resolve a significant gap in coverage, as is the case here, the local government must prove that the proposal is not the least intrusive way to address that gap.
Aesthetic concerns are a frequent complaint among neighbors, but to justify denying a permit for aesthetic reasons, a local government must provide substantial fact-based evidence of undue visual impact, Ms. Sloan said. Mere opinion or "generalized concerns" will not cut it.
As for worries about radio frequency radiation and its possible effects on health, federal law prohibits local governments from using radiation concerns to determine antenna placement, Ms. Sloan said.
The town may find the micro-cell alternative to be problematic given its line-of-sight limitations amid the steep topography of Portola Valley, Deputy Town Planner Tom Vlasic noted in his remarks to the commission.
With the burden of proof on local government, and with property owner Cal Water agreeable to an antenna, the town's options appear to be little more than choosing which monopine is preferable.
Portola Valley can and should demand a custom-made tree, "the best possible fake tree that could be out there," Mr. Vlasic said.
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Dr Pep Canadell is Executive Director of the Global Carbon Project, based at CSIRO Black Mountain, Canberra.
Posted December 04, 2012 08:13:37 | Updated December 04, 2012 14:34:49
Decision-makers want to know what is rising, by how much, where, how much uncertainty there is and what the resulting temperature scenarios will be. Here are the answers...
Topics: climate-change
If you have inside knowledge of a topic in the news, contact the ABC.
This service may include material from Agence France-Presse (AFP), APTN, Reuters, AAP, CNN and the BBC World Service which is copyright and cannot be reproduced.
AEDT = Australian Eastern Daylight Savings Time which is 11 hours ahead of UTC (Greenwich Mean Time)


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The 10 Commandments of Money: Survive and Thrive in the New Economyby Liz Weston
Millions of us skate by from paycheck to paycheck. We all have financial goals we want (or need) to/b>
"A perfect read as a financial primer. Weston's solid and occasionally humorous writing shines through . . . [and] takes this book from being yet another personal finance book to being an enjoyable read I would recommend."
Millions of us skate by from paycheck to paycheck. We all have financial goals we want (or need) to achieve, but are perplexed by how to get there. But expert financial advisor Liz Weston has carved a path, with ten simple strategies that help anyone avoid critical mistakes, survive downturns, and make the numbers work.
Debunking well-trod myths (pay down all your debt immediately) while giving unexpectedly brilliant tips (it's okay to let student loans linger), Liz Weston outlines everything you need to become financially viable, including how to:
- Know what you can afford
- Create a survival plan with cash and credit
- Manage "good debt" to get ahead
- Save for retirement without sacrificing today
Editorial Reviews
The New York Times
"A wonderful basic personal finance book [with] enough counterintuitive ideas to keep even people who know a bit about personal finance reading further."
"Where other authors often get it wrong, Weston gets it right. She digs into the data like nobody else."
"Where other authors often get it wrong, Weston gets it right. She digs into the data like nobody else." — Elisabeth Leamy, ABC News
Product Details
- 9781594630743
- Publisher:
- Penguin Publishing Group
- Publication date:
- 01/20/2011
- Pages:
- 304
- Product dimensions:
- 7.50(w) x 1.94(h) x 1.18(d)
- Age Range:
- 18 Years
Read an Excerpt
1st COMMANDMENT
Create a Budget That Works in the Real World
Live within your means.
Live to the max, with easy low payments.
Use the 50/30/20 budget to know what you can really afford and what you can't.
The first step in creating a financial plan that works is to create a budget that works. But as the financial world has gotten more complex, so, too, has the budgeting process, and many people wind up flailing. People's situations vary so widely that there's no cut-and-dried answer to "How much should I be spending on X?"
- Gather up your pay stubs and bill statements from the last few months.
- Carry a notebook and pencil for a few weeks so you can write down every expenditure that's not captured in your bill statements.
- Combine your notebook entries with your bills to see where your money is going.
- Don't forget to budget savings for retirement, college savings, emergency funds, your next car purchase, your next vacation . . .
- Slice and dice and tweak until you have a budget that matches your income—at least until the next expense comes along that you forgot to account for and that blows your whole plan out of whack.
This track, trim and retrench method actually can work if you're persistent about it and if your basic expenses are reasonable relative to your income.
If your overhead is too high, though, the hours you spend crafting and trying to follow a budget are going to be a huge waste of time. Now, frankly, there is so much more to keep track of than there used to be that formulating this kind of budget can also make you a little crazy. You simply won't have the ability to simultaneously
- cover your current bills,
- pay off your past (your debt),
- save for the future (retirement, college, emergencies) and• enjoy your life today.
One or more of those four categories will wind up getting sacrificed, no matter how good your intentions or how much time you spend fiddling with a spreadsheet.
On the other hand, I can't tell you exactly how much you should spend in any given category. A twenty-something with no debt might be able to afford a much bigger rent payment, relative to her income, than a family juggling car payments, student loans and child care. A homeowner in the Northeast will almost certainly spend more on utilities than his counterpart in California. People covered by traditional pensions can get away with saving less of their incomes for retirement than those who have a 401(k) with no match, or no workplace plan at all.
There is, however, a budget system that can work on just about any income and in virtually every situation. It will give you the flexibility you need to help you live your life while building financial security and minimizing the chances a setback will send you over the edge.
It was created by Harvard bankruptcy professor Elizabeth Warren, who based it on her years of studying families on the brink. The budget is simple, if not easy. It's the 50/30/20 budget. Here's how it works:
You start with your after-tax income. That's your gross pay minus any wage-based taxes, such as withheld income tax, Social Security and Medicare taxes and disability taxes. If your employer deducts other expenses from your paycheck, such as 401(k) contributions, health insurance premiums and union dues, add those back into your net pay to get your after-tax income.
401(k): A workplace retirement plan that allows employees to contribute pretax money to various investment options. The money grows, tax deferred, until it's withdrawn. Many 401(k) plans—and their cousins in the not-for-profit world, 403(b)s—offer a company match, where the employer also contributes money to the worker's account. Theoretically, a 401(k) can provide more money in retirement than a traditional pension plan, but many people mess up by starting too late, saving too little, cashing in their plans when they change jobs and taking either too much or too little risk with their investments. We'll discuss 401(k)s more in the chapter on retirement.
You aim to limit your "must-have" expenses to 50 percent of that after-tax figure. "Must-haves" include all the basic expenditures you really need to make each month: outlays for housing, utilities, transportation, food, insurance, child care, child support, tuition and minimum loan payments. Not sure if an expenditure is a must-have? Here's the key: If you can delay a purchase for a few months without serious consequences, it's not a must-have. If you're contractually obligated to pay something (a credit card minimum, child support or a cell phone bill), then it is a must-have, at least for now. I'll go into this in further detail later in the chapter, but here is how I would break down the basic must-haves:
ExpenseConsequence of not payingRent or mortgageEviction or foreclosure process beginsUtilitiesNo water, heat, electricityCar payment; transportation costsCar is repossessed; you cannot to get to work Child careYou cannot leave home to get to workChild supportChild's welfare is threatened; possible legal actionTuitionEducation at riskFoodHunger; medical problemsMinimum loan paymentsCredit score damage; possible legal actionInsurance premiumsLoss of insurance, which can lead to debt or bankruptcy in the event of illness or accident
Your "wants" can consume 30 percent of your after-tax pay. Vacations, gifts, entertainment, clothes, eating out and other expenses are all "wants." Some bills you pay might overlap the two categories. For example, basic phone service is a must-have. But features such as call waiting or unlimited long distance are wants. Internet access and pay television are two other expenditures that can feel like must-haves but usually are wants, unless you're on some kind of long-term contract. Remember, if you can put off the expenses without major fallout, or you can find a substitute, it's a want rather than a must-have. You may really love your broadband connection, for example, but if you had to live without it you could still access your e-mail at the local library or coffee shop. You may find your smartphone to be an incredibly useful and handy device (I sure do), but that doesn't make it a must-have unless you're on a contract. If you're paying month to month with no contract, it's a want.
Savings and debt repayment make up the final 20 percent of your budget. To achieve financial independence and minimize the chances of disaster, you need to get rid of consumer debt, save for retirement and build your emergency fund. Any loan payments you make above the minimum belong in this category, as do contributions to your retirement and emergency funds.
On my Web site, AskLizWeston.com, you'll find a link to a calculator that can help you create your 50/30/20 budget. But here are some theoretical examples to give you an idea how this might work.
Jamal is fresh out of college with an after-tax income of $3,000 amonth. He has a minimum student loan payment of $200, his employer-subsidized health insurance costs him $75, his bus pass to work costs him $100 and groceries set him back $225. So far, his must-have expenses add up to $600 a month, so he should spend no more than $900 a month on rent and utilities if he wants his must-haves to equal no more than 50 percent of his after-tax income.
Under the 50/30/20 plan, he'd have $900 a month to spend on eating out, clothes, vacations and other wants. The remaining $600 should be earmarked for retirement savings and debt payoff. Since Jamal has no other debt and his student loan rates are low, the entire $600 can be devoted to savings.
Maxwell and Minnie are in a whole different boat. They bring home a lot more—their combined after-tax income is $8,000 a month—but they have more bills, including a mortgage ($2,400, including taxes and insurance), credit card bills ($150 minimum payment) and a car loan ($400), as well as more insurance needs (life and disability coverage that costs $300 a month, as well as health insurance that costs about the same). They spend another $450 on basic groceries and utilities (lights, water, gas, sewer), bringing their must-haves to the 50 percent mark of $4,000. They spend $2,400 on their wants—everything from their cable TV subscription to holiday presents—and the remaining $1,600 is split between retirement savings and extra payments against the credit card debt.
Now let's change the scenario a bit. Let's say Max and Min didn't know about the 50/30/20 plan. They just signed a $450-a-month lease on a new car and bought smartphones that lock them into a two-year contract at $150 a month, bringing their must-haves to about 58 percent of their income.
There isn't much wiggle room in their other must-have expenses. They may be able to bring down their food and utility expenses a bit, but not enough to compensate for the $600 in additional costs to which they've committed themselves.
On the car lease, they're pretty much stuck. It's tough to get out of one of those without a serious black mark on your credit. Max and Min could back out of the cell phone deal and pay the early termination fees, which as of this writing range from $150 to $350 per phone. When money is really tight, that can be the best of bad options, since returning to basic phone service or a prepaid plan can save you enough to offset the fee within a few months. But Max and Min might decide the phone service is something they want to keep.
Meet the Author
Liz Weston is the most-read personal finance columnist on the Internet, according to Nielsen/NetRatings. Her twice-weekly columns for MSN Money generate 10 million page views each month. Millions more read her Q&A columns that appear in newspapers including the Los Angeles Times and the Cleveland Plain Dealer and she is now writing a regular column for AARP. She is a regular commentator on American Public Media's "Marketplace Money" and frequent contributor to National Public Radio's "Talk of the Nation" and "All Things Considered." Her television appearances include "Dr. Phil," "Today Show," "NBC Nightly News," Fox Business and CNBC's "Power Lunch." In addition, Weston has a highly interactive following with readers engaged in multiple venues: her blog, her fan page on Facebook (17,000 fans and building), her followers on Twitter, and her readers on the Your Money message board, MSN's most active with thousands of daily postings.
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Justin Allen is the editor of The Creosote Journal, and a freelance writer and web developer.
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- Pricey recreation center plan splits San Francisco State students
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- Board of Supervisors Candidates on the Issues: San Francisco Fall 2012 Election
- S.F. Was Key Juncture for Chinese Immigrants


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A Palo Alto man has been convicted of mayhem for biting a man's ear off during a drunken fight over stolen cigarettes outside a Redwood City bar last year.
"This is the only case I can remember in San Mateo County that a defendant has been convicted of a second mayhem charge," Wagstaffe said.
Mayhem differs from assault due to the injuries suffered, Wagstaffe said. Inflicting mayhem on a victim results in "loss of limb" or disfigurement.
At around 1:45 a.m. on June 10, 2013, McGriff, a crowd of patrons and the victim were standing outside the Underground Bar at 2650 Broadway St. The victim walked back inside the bar to use the bathroom or pay a bill, leaving his cigarettes and a lighter outside. When he returned, his cigarettes were gone, Deputy District Attorney Kecia Lind said.
The victim asked McGriff for a cigarette and recognized his missing lighter in McGriff's hand, Lind said. He confronted McGriff and a push-and-shove fight ensued.
"Things were happening very quickly," Lind said in her closing statement, adding that both men later admitted to being intoxicated.
With a crowd of witnesses surrounding the fight, the victim had McGriff restrained in a bear hug and refused to let him go, Lind said.
McGriff, who was not injured in the scuffle, then bit off a "substantial portion" of the victim's ear and used his teeth to tear the back of the ear from the victim's head, she said.
"He did not reasonably need to bite the victim's ear in order to get away," Lind said.
Defense attorney Connie O'Brien said that the constrained McGriff had acted in self-defense, and that the victim, who was "unbelievably
intoxicated," was the main aggressor. McGriff wanted "nothing other than to be released" and was in danger of being seriously injured, she said.
The defense and prosecution had agreed to go to trial without a jury, and Superior Court Judge Mark Forcum was tasked with reaching a
verdict. He disagreed with the defense argument and said the amount of force used by McGriff in biting off the victim's ear was clearly excessive and caused permanent disfigurement.
"He was not being hit, punched, choked ... there was no weapon present. He was in a bear hug," Forcum said.
McGriff was well aware of the significant injury caused by a bite due to the prior attack on his ex-girlfriend, the judge said.
"The defendant knew what kind of damage that biting could result in. It's exactly the same thing that happened here," Forcum said.
In finding the defendant guilty, Forcum called McGriff a "serious threat to society" and raised his bail from $75,000 to $200,000. McGriff, wearing yellow-and-orange jail clothes, remained expressionless throughout the proceeding. He is scheduled to be sentenced in Redwood City on April 2 at 9 a.m.
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