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DR DAVID Kennedy was an academic that few of the public had heard of. Now he has made his name, not for any learned article he has just written but for vandalising the honorary degree scroll that Robert Gordon University had awarded him. His problem? The university said it would offer Donald Trump an honorary degree too.
It was a rude and insulting gesture to an institution that has enhanced its reputation by being committed, among other vocational teaching, to business and enterprise. An intellectual should use reason, facts and analysis to persuade, not indulge in the gesture politics so favoured by a green lobby which appeal to the emotions when it knows that its rational arguments won't stand up to examination.
One wonders how a man with such contempt for Donald Trump could have lasted as vice-chancellor of the pragmatic Robert Gordon University (RGU) for five long years. This institution was founded by a Scottish merchant who did to the Poles in the early 18th century what the Donald is trying to do to Scotland today - make himself a fortune. And RGU has long offered courses in Drilling and Well Engineering and Oil and Gas Law to allow students to find jobs wrecking the environment of the Gulf of Mexico and avoiding the worst legal consequences of their actions. Why did Kennedy not tear up the textbooks?
The Trump's plan is not risk-free. Anyone promising to build the best golf course in the world in the home of great golf courses is setting himself up for a fall. And his complex would make much more economic sense if it were located on either the east or west coast of the centre belt - if not the south-east of England where the real money is. He may think he can fly sufficient numbers into Aberdeen airport to make his 750 million investment pay. Many are doubtful. So there is a risk that a scenic but redundant part of Scotland is despoiled by a deserted leisure village.
Trump is a deal maker. He turns bad real estate into sound money. But he has spectacular failures too. His businesses went bust in 1990 and he accumulated personal debts of $900 million. He has turned this around and is now worth at least $2.7 billion. So Aberdeenshire can expect a roller-coaster of a ride.
But that is entrepreneurs for you. They take risks, many of which fail, sometimes leaving society to pick up the cost. Our own hero-entrepreneur, Jim McColl makes parts for Chinese coal-fired power stations. And Tom Hunter made his money helping homogenise our high streets.
Yet we make a virtue of their enterprise. We try to restore that spirit to Scotland. We exhort school kids to enter business rather than the professions.Scotland has declared itself to be an enterprise economy increasingly determined to reap the rewards that risk offers.
Yet when a super-entrepreneur arrives he meets the sort of petty resistance that David Kennedy personifies. Certainly the relevant local authorities have done their best. But the activities of the odd anti-business crypto-green councillor, the local nimby pressure group and the hostility of one or two entrenched property owners have slowed the whole project down when that part of the country is desperate for the investment and the jobs that it will bring.
One member of the infantile Trip Up Trump campaign joined because she enjoys walking her dog on the Menie beach. Grampian's unemployed will sympathise with and support her priorities. Of more concern to those trying to revive the Scottish economy is the impact this cussedness will have on other prospective foreign investors.
The excesses of the green lobby militate against a buoyant, healthy economy. Activists climbing the anchor chains of oil ships and throwing themselves in front of supply boats like suffragettes against the King's horse invite investment to look elsewhere.
The Scottish Government itself is guilty. Not of discouraging Trump. Its record there is brave. But successful private investment needs a sensible public environment in which to operate. And the government's energy policy is anything but smart.
It is based on a rejection of the cleanest, greenest and most domestic of sources - nuclear. This rejection forces it to aim at supplying all of our electricity needs from renewables within 15 years - even although much of the technology is yet unproven on an industrial scale and many of the sources it relies on - wind, for example - are intermittent and unreliable. And for all this uncertainty consumers are being asked to pay 100 a year more for their electricity. How is that going to sit with the investors and entrepreneurs who have the world - including nuclear England (where, incidentally, we will be buying our fuel) - to choose from? Despite this additional cost burden Alex Salmond thinks he's going to be able to export this power. That enterprise has got less chance of success than Donald Trump's golf course.
Holyrood uses its quasi-economic powers like planning in ways that are bad for business. It follows rather than leads public opinion which appears to be schizophrenic about both energy and enterprise. It doesn't want nasty nuclear power or business changing the natural environment. But neither does it believe renewables are the whole answer and it wants to increase the proportion of employment in the private sector.
These issues need informed debate. Aberdeen may be the place to have it. At one time the city could boast as many universities as the whole of England put together. It has a fine tradition of scientific thought.That is what is needed to deal with the distortions that the green lobby has inflicted on society.
Never forget the lies Greenpeace told about the contaminants aboard Brent Spar to stop its being scuttled. A subsequent inquiry found, not only that the number of pollutants on board had been distorted but that sinking the facility would have been the most environmentally safe option. Discussion based on verifiable data is what is called for.
But if academics start defacing degrees the greens could end up burning books - in an enclosed but well ventilated space, of course.


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subset: commoncrawl


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Some additional reasons discovered in this article at PajamasMedia titled "Well-Meaning or not, Obama threatens America."
In the litigious society that we live in lawsuits can be pursued for many reasons, some legitimate and some so frivolous as to boggle the minds of sensible people.
Is the act of suing a sitting president for malpractice even possible? Would the Federal Tort Claims Act (FTCA) come into play?
For what reason and with what justification, would a citizen of the United States even consider a malpractice suit against a president?
Possibly because a president is in effect the nations CEO and ultimately responsible for the performance, or lack of performance of the country. That when it comes to the domestic tranquility of the United States and our national and homeland security, the buck stops there!
While presidents will typically do their level best to discharge their responsibilities in a way they feel is best for the country, some situations and events occur that are simply beyond their control. President Bush and the attacks on 9/11 comes to mind.
So I ask again why, if he or she is doing their best for the country and are receiving the best counsel possible, would anyone blame a president if things don't go perfectly for the country? Isn't that a standard that is impossible to be held to?
Maybe so, but what happens when a citizen believes that a president is not doing his level best to perform the duties of the office? When a citizen may in fact believe that a president is actually performing his duties in a deliberate fashion with the goal of hurting the interests of the United States and her citizens?
Would that be grounds? Here is a list of reasons large and small that I have thought of concerning President Obama that is no doubt incomplete. Are these the actions of a President with the country's best interests in mind, or with some other agenda all together?
- The decision to hold the terror trials in New York,
- AWOL on Iran and that country's apparent imminent acquisition of a nuclear weapons capability and warhead delivery system (WSJ),
- Anemic and impotent handling of the current meltdown in the Middle East,
- Massive amounts of deficit spending accompanied by massive deficits for the purpose of pursuing his socialist agenda,
- The lack of any jobs creation although he continues to say that jobs creation is his primary focus,
- The economy continuing to drift,
- The failed $1 trillion stimulus that was implemented to avoid a drifting economy,
- Pandering to the unions who are his largest base for political contributions. As a result his helping foment social unrest around the country that began in Wisconsin,
- Telegraphing to the world when we will be leaving Iraq and Afghanistan supplying critical intelligence to the enemy,
- Destroying U.S. relationships with key allies,
- The weak and slow federal response to the BP oil spill,
- Imposition of a moratorium on drilling in the Gulf of Mexico as a result of the aforementioned oil spill costing jobs and impeding any hopes of energy independence,
- The ramming through of Obamacare,
- The ceding of U.S. national security to the United Nations,
- Czar appointments consisting of far left-wing cronies and other administration appointees who had difficulty paying taxes,
- Succumbing to Russian pressure and giving up our missile defense program in Eastern Europe, receiving nothing in return,
- Embarrassing the country as the apologist President,
- Limiting himself to the counsel of a small number of advisors while running one of the most partisan presidency's in recent memory,
- Buzzing the Statue of Liberty with Air Force One.
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text: Sep 22, 2011 - My hair story: 4months into transition I think I am one or multiple 4 types but unsure at this time...have been using this once weekly for a month as a deep conditioner. This product does nothing to my hair, it doesnt even make it easier to comb when l end up using the knottoday detangler afterwards to comb my hair...my hair has been very dry and brittle and the only thing that saves me is using a good leave in after. I also feel like it leaves a film or build up once rinsed out...my hair just feels kinda waxy and not really moisturized. For the price not really worth it...I am just glad I bought it at whole foods because I can return it even though I used it and I don't like it.


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Best Solo Artistsblaqksails92 What's your favorite solo artist?
Qualifications, has to be the only official member to a band or group.
The Top Ten
WHEN YOU ARE THE ONE WHO SINGE, WRITE, COMPOSE, PRODUCE, DANCE AND CHOREOGRAPH.. you are simply the best, and every talent of these were perfect...
oh, I almost forgot he also directed 2 of his music video... so again THE BEST..
he is the KING OF MUSIC...
the best artist ever, and his talent was massive... singing, writing, composing, dancing, producing and choreographing... he even directed two of his music videos... what else do you need from an artist...
The King of Music... too many haters just judge a book by a cover! Don't understand how this world works.. More than just a legend.. The King Of Music.. PERIOD!
BEST SONG ARTIST EVERRR. HE IS MY FAVOURITE ARTIST BUT I HATE HIS MAKE-UP LOL.V 15 Comments
The Man Who Sold The World, Hunky Dory, Ziggy Stardust, Aladdin Sane, Diamond Dogs, Station To Station, Low, Heroes, Scary Monsters and The Next Day. All for me absolute masterpieces. He has done some bad albums such as Never let Me down, Tonight and Black Tie White Noise but I can't think of any other solo artist that has contributed as much as David Bowie.
Bowie has mastered so many different genres of music from Rock to Soul. He recently came back with the best comeback I've ever heard and has cemented his legacy. Should be number one on list in my opinion.
Lists like this bring out the hate.
Can you believe that some moronic Michael Jackson fans have given Elvis a "dishonorable mention"?
No doubt they are jealous that Elvis is the biggest-selling solo artist of all time by a mile; only the Beatles have sold more than Elvis.
His ability to change genres with ease and still maintain something remarkable, David Bowie was out of this worldV 6 Comments
He was a true poet, and possibly the most important musician of the twentieth century. The Beatles looked up to him, and he influenced an entire era of music. Bob Dylan was basically the voice of his generation, and he has undoubtedly created three of the greatest albums of all time: "Highway 61 Revisited", "Blonde On Blonde" and "Blood On The Tracks" (or possibly even four, if you include Bringing It All Back Home). Plus, he has written and recorded several of the greatest songs ever made (anyone who's heard of Bob knows at least a few of these).
It doesn't matter if you're one of those people that just doesn't like Bob's music, nobody can doubt that he is in fact the greatest solo artist of all time, due in large part to his musical talents, his incredible ability to write poetry into his songs, and his unfathomable influence in 1960's popular culture and music.
There was music before bob dylan and then there was music after bob dylan. He changed the way that music was heard. The Beatles were influenced by him. Go on YouTube and look up "Beatles on bob dylan" also like a rolling stone is considered the greatest song of all time.
He was mister perfect... What a breath!... Guitar... Mouth organ... And singing at a time... Salute... No one does it better... And the lyrics are breath taking!
Greatest songwriter of all time!V 1 Comment
She is my singer, I follow no one else!
There are no words to describe the talent and charisma of this young performer. She leaves her audiences weeping with joy or numb with emotional exhaustion. She has to be seen live to be believed. - BobG
No flashy lights, twerking, explosions, autotune, maximum decibels or other distractions. Just an incredible young lady with an amazing voice in front of a piano or a symphony orchestra singing everything from Rachminioff to Morricone, U2 to Taylor Swift, and originals. Every concert is an amazing evening.
I was just rolling along minding my own business and not caring about music all that much other than listening to the usual rock songs. Then I ran across this girl with a voice so pure and perfect I couldn't stop listening to her. Her newest album Two Hearts is loaded with songs styles all over the place from opera to Pop. Her voice is just spectacular.V 2 Comments
Elvis emerges during the late 50's and doesn't it tell those unbelievers why he is called "King" and why he is known to be the most imitated performers of all times. 36 years after his dead and yet his presence and influence is very much around. Elvis music is timeless and have withstand the test of time. He is the first and original American idol.
He should be number 1. Second to none! 36 years after his death, his influence can still be seen and fan clubs worldwide are still active and growing! There will always be a new generation of Elvis fans! ( Fyi:I don't belong from his era! ) Who can beat that?! He's "the king"!
There will never be someone like Elvis, he is number one.
Why is the king of rock underneath Jackie Evancho? - naFrovivuSV 9 Comments
Have to love Hendrix, I understand MAYBE below Jackson and Dylan, but should be 3.
Moat of Hendrix's career he was not a solo artist.
Backup band for Little Richard, Jimmy James and the Blue Flames, the Experience, Band of Gypsies; he was awesome but not a solo.
He should be top 3 probably number one for near everything. Musicianship, songwriting, (though Bernie writes the lyrics) lyricism, and playing ability/talent is amazing.
To think that 7 were voted AHEAD OF HIM IS MIND NUMBING! Greatest live performer ever!
Please get Sir Elton John in the top 10
She is the greatest singer of all time.
She has perfect pitch & perfect tune. I love all her songs.
She could sing any song & make it a hit. "
"Most certainly, without a doubt the greatest singer off all-time... And incredible musician over all. You can't tell me her voice is not the most unique as well
Neil young is a brilliant and at times somewhat underrated solo artist. It takes a few listens to get hooked but once your hooked, your hooked for life.
The Contenders
Ya! Vote for the real slim shady!
Please vote for him he deserves to be on the top 5
Maybe not great as the above mentioned, but slim is always unique in his own way.My greatest inspiration and which can be reflected from his lyrics.
He is a great and cool lad vote for I'm untill he is on the topV 6 Comments
A true legend, gave the world peace and love and was part of one of the most truly mind blowing bands who changed the face of popular music forever. No one has beaten his record hits.
Should be number 1
Jonn Lennon should at least be no.5
Lennon's strong belief in atheism is what gave him a will to work towards world peace thorugh his songs, not god.
One of the best lyricists of all time!
What is this man doing behind beyonce? He revolutionized blues and rock and roll. This is dis respectful
Recommended Lists
Related ListsMost Annoying Solo Artists or Groups Top Ten Greatest British Solo Artists Best Male Solo Artists Most Annoying Solo Artists of All Time Top Ten Greatest Female American Solo Music Artists of All Time
List StatsUpdated 26 May 2017
163 listings
7 years, 295 days old
Top Remixes (16)
2. Elvis Presley
3. David Bowie
2. Kanye West
3. Juliet Simms
2. Michael Jackson
3. Elvis Presley
View All 16


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Posted by Alan Mac Neela on February 12, 2013
EA organizations are under increasing pressure to contribute tangibly to business results and to differentiate in greater terms than architectural domain skills alone. At the same time, compressed business cycles compel organizations to respond to events or opportunities at a more rapid pace. This often means resourcing and organizing into effective teams and projects quickly. EAs are often involved in multiple projects and teams and expected to have sufficiently broad experience, combined with multiple competencies to contribute to organizations' responses. Many EA organizations see this skills tension increasing and often struggle to sufficiently develop or resource teams for the ever growing number and diversity of issues they are involved in. Increasingly, the contextual application of EA to real organizational issues and new opportunities is overtaking the traditional role of EAs in many businesses. For many EA teams and their stakeholders, the way in which value is derived from investments in EA is through increased contextualization and enhanced adaptability.
Posted by Alan Mac Neela on February 8, 2013
Shared services is widely employed in many industry sectors and is gaining increasing traction as organizations, particularly those subject to continuing cost pressures look for ways to control costs. For example, in December 2012 the UK government set out its next generation shared services strategy to enable savings of £400-600m per year. Shared services take many forms, but regardless of the type of shared service, when properly executed it can deliver a range of benefits. Benefits can result from economies of scale or scope, the ability to negotiate from a stronger consolidated base and through adoption of streamlined, common business processes. A shared services model can also enable groups to share knowledge and best practice as well as the services themselves. However, these benefits must be balanced with the flexibility clients (internal or external) require.
Shareable services typically include corporate service processes such as HR, procurement and finance and accounting. Sharing of enabling capabilities typically include IT infrastructure, workflow, data repositories as well as domain-specific expertise and resources. Viewed as business services, they can be defined in terms of outcomes and external dependencies using a combination of deliverables, processes, roles, and skills. This way EAs can help position the shared services within the organization's architectural construct in terms of service provision to other functions within the business or to external partners or customers.
Posted by Alan Mac Neela on February 4, 2013
The rise of bring-your-own-device (BYOD) programs in organizations is well documented and it is a growing trend that shows few signs of slowing down. The benefits in increased worker flexibility and improved modernity of the working environment can often outweigh the various and well documented technical, legal and operational concerns. The architectural implications are equally important and often less well understood. The architectural view on BYOD can take multiple perspectives, for example: a device view, a centralized infrastructure view or a usage focused view. Common components such as support, management and security apply all of these architectural views. Each view provides a discrete perspective of the architectural patterns required to successfully architect for BYOD. The selection of the right view for your organization depends largely on the organizational environment in which it will be employed. Irrespective of the view employed, key to architectural success with BYOD programs is to identify and plan for critical aspects of a BYOD scenario based on the different architectural views.


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ISP lands $60,000 drug bust
IDAHO FALLS, Idaho - An Idaho state trooper said nervousness tipped him off during a routine traffic stop at milepost 117 on I-15 near Idaho Falls, which ended with drugs and guns being found in a vehicle.
District 6 of the Idaho State Police said just before 10 a.m. Thursday, Vance Cox pulled over Kimberly Rose and Uriel Ortega, both of Twin Falls, for a traffic violation. He said he could tell that there was something wrong when the suspect couldn't answer routine questions.
"Usually when we inquire about somebody for their name and date of birth, it just comes out crystal clear and computes with the age," said Cox. "In this case I asked him what his name and date of birth was and he stumbled a little bit as he provided that to me and the date of birth didn't match up with his age."
During the stop, State Trooper Ken Peeples and drug dog Apollo were brought in to search the vehicle. They found 3.3 pounds of methamphetamine, a small amount of marijuana, drug paraphernalia and three guns, two of which were loaded.
"Too many times drugs and violent acts go hand and hand. It's all one vicious cycle when you look at the drug world," said Cox. "It's a poison, and any time we can get any amount off the street, we're glad to do that."
Rose and Ortega were arrested on felony drug trafficking charges and taken to the Bonneville County Jail.
ISP said this could have been a major operation. One pound of meth is valued between $18,000 and $20,000, resulting in a $60,000 find for the department.


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Member since 9/12/2012
- 2 total posts
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Recent comments from laneyUK
Congratulations. I had my op two days ago. Notice the difference already even with the swelling and splint. Stitches are tight and uncomfortable but pain hasn't been too bad so far. Bruising has significantly gone down within 24 hours... READ COMMENT
Congratulations on your first step of rhinoplasty. I wanted my nose done for years. It was a very similar shape to yours and although I got bullied when I was younger it was never a problem in my adult years. No one mentioned my nose or... READ COMMENT


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You might remember me blogging about a new piece of technology last year called the CAT/BPSS. Its real name is "Credential Authentication Technology/Boarding Pass Scanning System." That can be a mouthful, so I simply call it the travel document scanner.
We just started testing the technology at Washington Dulles International Airport (IAD) and will also test at Houston George Bush Intercontinental Airport (IAH) and Luis Muñoz Marín International Airport (SJU) in the coming weeks. Each airport will receive 6 units total.
This technology will scan a passenger's boarding pass and photo ID, and automatically verify the names provided on both documents and then match and authenticate the boarding pass. The technology also identifies altered or fraudulent photo IDs by analyzing and comparing security features embedded in the IDs.
What should passengers expect? Passengers will hand their ID to the TSA Travel Document Checker (TDC) who will scan it while the passenger scans their own boarding pass using a built in scanner that's part of the technology. Once the scan is complete, the technology automatically and permanently deletes the information from the system. Here's a link to the Privacy Impact Assessment for the technology.
If testing is successful, TSA could deploy the technology to airports nationwide. Our officers at airports that are not part of the operational testing will continue to verify travel documents with the aid of lights and loupes, as one of many layers of security.
If you'd like to comment on an unrelated topic you can do so in our Off Topic Comments post. You can also view our blog post archives or search our blog to find a related topic to comment in. If you have a travel related issue or question that needs an immediate answer, you can contact a Customer Support Manager at the airport you traveled, or will be traveling through by using Talk to TSA.


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Legal Professional: Build Your Business
Hi All,
Can someone help me understand the following statement in a stipulation of settelment from a holdover proceeding: "The waiver provided shall be unconditional and tenants shall not seek to stay of landlord". Can a tenant still file an order to show cause given what the statement says? Thanks in advance.
Asking folks to explain something out of context isn't the best idea (it's also a bit garbled with the "shall not seek to stay of landlord").You also don't describe relevant details as to what the purpose of an order to show cause would be.
Thank you for your reply. The purpose of the order to show cause is to stay an eviction in this case. I am the landlord in a legal battle with a deadbeat family of 5 for over 5 months now. It started as a non-payment case but it got converted to a holdover in consideration of me waiving 4 months of rent. The stiplation stated that the tenants have until 12-31-2013 to move out with a 5 day grace period. At the end of the grace period, they filed an OSC claiming they couldn't find an apartment due to a shortage of rentals from hurricane Sandy. My question is, how could the tenants get an OSC when the stipulation clearly states that the "The waiver provided shall be unconditional and tenants shall not seek to stay of landlord" (sounds garbled but that is what's written on the stip) which to me means they waive their legal rights and cannot seek any stays.
Sorry, but they can DO whatever they want to DO and SEEK whatever they want to SEEK.
What matters is how you respond to it and defend against it.
And, apparently, you haven't done so well in that department if they are still living there without paying rent.
Did you file a response to the OSC giving grounds why it shouldn't be granted? Did you ask for a hearing?
If you didn't, that's why they got it granted.
I suggest you avail yourself of the services of an attorney or this is likely to drag out for another 4 months or more.
Seems like you are faced with professional deadbeats that know how to work both the system and unknowledgeable landlords.
I do want to respond to the OSC to give grounds that it shouldn't be granted but my lawyer (who specializes in tenant-landlord disputes) said it was not worth it. Apparently the Judge signed the OSC the same day that the deadbeats applied for it. Next court date is 1/24. Was hoping I can do something denied their OSC in the mean time. Should I insist that my lawyer file a response anyway or is it too late (or fruitless as my lawyer implied)?
ken212:I do want to respond to the OSC to give grounds that it shouldn't be granted but my lawyer (who specializes in tenant-landlord disputes) said it was not worth it.
Oh, you have a lawyer and you are second guessing him and coming to strangers on the internet.
ken212:Apparently the Judge signed the OSC the same day that the deadbeats applied for it. Next court date is 1/24. Was hoping I can do something denied their OSC in the mean time. Should I insist that my lawyer file a response anyway or is it too late (or fruitless as my lawyer implied)?
If the judge already signed it, there isn't likely anything you can do about it except tick off the judge by questioning his authority.
Besides, you probably couldn't get anything filed and acted upon before the 24th anyway.
I think you are stuck just waiting for the hearing.
Being an ex-NYer I'm aware that NY (and NJ) courts are notorious for allowing tenants to get away with that crap for months on end. I wouldn't own a rental there. You might want to think about that.
Thanks - that puts me to rest a little. At least that tells me my lawyer isn't as incompetent as I thought he is. I'll be out of my freaking mind if I decide to rent out again after this. ***heck NO.
Well, it sounds like you either need a property manager or need to invest in a partnership that has a professional managing its porfolio. (It sounds like you didn't do proper due diligence on these folks before renting because the types who will do this are easy to spot if you do proper background checks and checking/verifying of rental history, etc. -- absurdly simple to do these days. There's also you evidently not moving early and hard on issues (as in, issuing a notice to pay or quit and then an eviction action the first day they were late ... not letting them off the hook in terms of rent, etc. I presume since they've violated the terms of settlement that you will go after all the rent owed, plus attorney fees, etc. (I'd like to think your contract covered them paying attorney fees related to actions such as your own, but ...)
ken212:The stiplation stated that the tenants have until 12-31-2013 to move out with a 5 day grace period.
I hope that is not what it said. If you didn't make a typo, that would mean they have until the end of this year, i.e. over 11 more months, to move out.
You're right...what I did was I relied on a Real Estate Agent do all the background check for me and took his word that the tenants' credit and background are good: one of the biggest mistakes I ever made. This is my first and last time renting out my house so finding a good property manager is mute at this point. What I hope to get out of this forum is advice on arguing my case at the next court appearance and get the deadbeats out asap.
I was a landlord for 20 years and as much as I'd like to help, all I can do is suggest you rely on your attorney to argue your case.
He's got all the information and knows the landlord tenant rules and climate for your area.
Not that it will get you one more dime collected out of deadbeats but I,d probably ask/want my attorney to pull my waiver of past rent back out of equation...failure of consideration?
Thank you all for the advices...
I don't know what you signed with realtor but be careful..I.m aware of some ny deals which get realtor a renewal fee even if tenant does not pay! ANd some which sort of lock you in to use them if you seek to sell.
No alert ll is likely to take them on...
A liberal bench may give them excuses until summer
You probably won't see a dime anyway and it's daunting to try and sell a place with deadbeat inside.
You might be wise to discuss cash for keys w your attorney..it sometimes works ...it may take street smarts and a big big stack of $20s and brass ones to work..but if it works it may cut the Gordian Knot.


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|Other Listings
Rock/pop Clubs by Night
Rock/Pop Club Directory
Rock/Pop Bands in Town
Jazz Clubs by Night
Jazz Club Directory
Jazz Bands in Town
Pop Concerts
Jazz Concerts
Classical Concerts
As Idiot Pilot, 18-year-old Bellingham (Washington) instrumentalist/backing vocalist Daniel Anderson and vocalist/lyricist Michael Harris aim to fuse contemporary pop, electronica, and post-hardcore into edgy, ambient tracks. Its an aural experiment, a test to see what happens when you mix the unearthly croons of Radiohead with the mind-numbing techno lash of Squarepusher and add a few Locust-style hardcore screams. Opener "Losing Color" begins with a spoken lead-in before easing into a tuneful lullaby with inaudible lyrics; soothing at first, it soon becomes monotonous. The rest mixes softly sung verses with screamed choruses, or lays the screams right on top of the coos. In "A Day in the Life of a Poolshark," Anderson provides the hardcore shrieks while Harris does the too-close-for-comfort drones. The techno instrumental "Les Lumieres" and the straight-up hardcore "The Violent Tango" and "To Buy a Gun" offer variety and proficiency, but thats as far as Idiot Pilot get in their lab this time.
By Lark Rissetto
Issue Date: August 5 - 11, 2005
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German Shepherd Dog Forums (http://www.germanshepherds.com/forum/)
- Basic Care (http://www.germanshepherds.com/forum/basic-care/)
- - Northern GSD's going South.. (http://www.germanshepherds.com/forum/basic-care/438473-northern-gsds-going-south.html)
Northern GSD's going South..
Me and my family currently have a 2 and 1 yr old male GSD's. We live in northeast Ohio where its cold 7 months out of the year. We have decided that were done. Gonna finish remodeling our home, sell it next spring and then we're heading to the Florida pan handle ( Tallahassee Outskirts Area ) where my wife's family live. Plus we own 15 acres..
Now I know its gonna take awhile for us to get acclimated to the weather ( I sweat when its 80 ). But my concern is my boys. I'm gonna take all the precautions, have read just about anything I could find about changing climates and will take it slow with them for awhile but just wondering if there's any other tips or tricks I may not have read on here to help them out.
I noticed another thread on almost the same topic. check here. Best of luck on your move.
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Lady Gaga Confirms 2014 UK Tour
The 'Applause' star has confirmed dates for her 'artRAVE: The ARTPOP Ball' Arena Tour.
The 'Applause' star has confirmed dates for her 'artRAVE: The ARTPOP Ball' Arena Tour.
The 'Bad Romance' singer says she is creating a "multimedia experience" with her forthcoming third record
The 'Bad Romance' star has apparently been going "completely starkers" in the studio
The singer has unveiled name of new record and new tattoo
Lady Gaga is building a home in Greece that will look like it floats in the sea!
The 'Bad Romance' singer has landed the most coveted spot on the front of the publication.
Find out why the Born This Way star has to take crystal dummies with her every time she tours.
The 26-year-old songstress is taking advice from astrologers amidst fears the stars will be wrongly aligned for her tour.
The Poker Face star has added shows in London and Manchester to her Born This Way Ball world tour.
The Edge Of Glory star admits she used to sing the star's version of The Star Spangled Banner everyday after school.
The Born This Way singer has become the first person to reach the milestone.
The singer joins forces with Oprah on Born This Way Foundation.
Pop superstar Lady Gaga is set to make a cameo in the new Men in Black film.
The singer opens up about her body image struggle at a conference.
The 54th Annual Grammy Awards take place this Sunday night at the Staples Centre in Los Angeles. Find out more...
The 25-year-old reportedly insists on only eating food prepared by her favourite chef when visiting London.
The songstress has been helping her parents prepare for the opening of their Italian restaurant.
The ex-girlfriend of Gaga's new man Taylor Kinney says she's glad to be rid of him.
Lady Gaga is thrilled that her duet with Elton John is in the running for an Oscar
Lady Gaga has regained control of her Twitter account after falling victim to internet hackers
Donald Trump has reportedly claimed he's responsible for Lady Gaga's worldwide fame
Upon hearing that her chauffeur is to become a first-time father, Lady Gaga treated him with a year's supply of nappies.
Lady Gaga is on the shortlist for the 2012 Oscars 'Best Song' category
Mitch Winehouse would want Lady Gaga to play his late daughter Amy on the big screen
The singer is not ready to buy a house yet and stays at her parents
The singer's cover of festive song 'White Christmas' has leaked online.
The 'Edge of Glory' star is believed to have gone to Amy's hometown in disguise.
Lady Gaga splits her earnings 50/50 with her father Joe Germanotta.
The former Britain's Got Talent winner wants to collaborate with 'Mother Monster' and other music stars.
Gaga and long term choreographer part ways
Now playing: The best feel good music
Now playing: The best feel good music


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New Braunfels Herald Zeitung (Newspaper) - July 21, 2011, New Braunfels, Texas HERALD-ZEITUNG.COM | Thursday, July 21, 2011 | 7SPORTS Photo: tjv CHRIS HOFFMAN , Hc'ald-Zeiti, (j A Chinese youth tennis group is tdking a break froni their studies and is enjoying a vacation playing tennis at NEWKS and soaking up all things New Braunfels AMERICAN EXPERIENCE Chinese youth tennis team soaking up all things New Braunfels By Chris Hoffman Ihe H- ■ ii(! Zeifut::; En|()viiig .1 \v('('k at sunifiK'r t .mij) Is .1 rite nl p.tssiif^c lor .tin ( hild. Hilt lor the ?() [ii('tiil)<Ts of lilt-( hiiicM' \outh tennis i;toLi(), th<'\ want»KI HtnmK'r ( ciiiip to Ih* <î lik'-( ('Npriiom (v ih(' tennis team is spending thrf'e ueeks .it tlu' lolin \('U-( otnbe lennis K.hk h. And this IS more ih.in just ,il)out getl1n14hetter.it tennis. fhe\ want to so.ilv up t'\er\ t}iing \meri( an and \eu tîiaunlels in thi' pr(K ess, " file t('ani atriv('d on Sunda\ and iinni('(liatel\ askt'd lor pi//a and soda," M W'KS < amp dire( tor Phil I tendru' said. "\oii think that th('\ (1 he tired hut tlu'V wantefi pi//.). Ihe\ ,ire h,)\ ing a great tim(',' It lias Ix'en two \ears in th(' m<iking, !)(*hind the sc (*nes, to hring a ( hinese group ov('r to NIWKS alter .in initi.il contact h.ic k in 2(H)'), lohn Nc'ucomhe Ranch prc'si-dent |t'tem\ I ieldsc>nd said thc' lirst (trdet ol husinc'ss w.is to get tlie le.im .issimil.iic'd to the "Wt*i( ome I lom(>' .itmosphere th.it Nl WKS pridi's itsc'lt on. "It's a grcMt c ultural c'\(R'ric'n( c'," I ic'ldsi 'iul said "W(' liave pl.iyc'rs trom .ill ovc'r thi> world come to theAc .idc'm\, Ihey .irc'realK anxious lo k-arn .ihout Americ.i .uid take' in .ill that w'e h.nc to ottc'r. "I leallv think this is a wonder- Monica Shang, 18, works on tier foreiiand diinng practice on 'Wednesday lui e\(M'nc'nc c' lot them and c'veiA thing .)t the' Kiitu h. VVe'rc' .ill ha\ ing iun." I he* te.irn, wIìk h r.ingt's trom .igc's 8 to IH, and arc* hc'tc* on a hre.ik trom sc hool that tuns irom Sept(*ml)c*t to mid IliIv. I Ic'ndric» slid tliiit tlie gioup h.is l)c'c*n nothing hut ('xc'tnpkirv, .ind h.is rc'.ilK bonded with the* othc*r Ac .id(*m\ memhc'rs at tlic* Kane h. 'Ihis group arc' pc'ilc'ct (am[H'rs," Hendrit* said. ' lhe\ aic' ti\ ingre.ilK h.ird to impto\c'. ilic'\ arc* an .ihsoluti' |o\ to work with. Ihc'ir work c'thii is trc'inc'ndous, and wlic'ti it c omc's to h.n ing luii in tamp thev r.ink .i on .1 sc .ile ol 1-to 10. ' llie\ undi'tstand \\hc*n its iimt' to have' tun." ttie kids h .ivc* .1 siric t rc'gimc', muc h like* all the c .impers. that 111C ludc's tc'tinis instruc tion, phvsi c <il Illness, hut th('\ .ilso meet witli a tutor irom 7-10:50 [).m. c'ver\ evc'iiing to gc't ah(*.ul in thc'ir studies in the* ver\ tom|)C'titive world ot ( hinese* .ic adt'mic s. i lendrie* said the obvious lan-gu.igc' issue h.isn'l bc'en as worn some* as main would think. "I thiHight tlu* language' b.irrie'r was going to ht' .1 lot touglu*r/' I ie-ndrie' said. "Hut what I've' trit'el to do is use' ke'vwords. I ike' I'll sa\' 'Wv re ge)ing to \U )Vf: to ,1 nt'w spot', and wt'Ve' trving to lc\un some' ke>\ words that tlie\ know like* 'pie,ISC*' or 'tood'. ihe\ h,i\c' also ad( )pte'd Ament .111 iirst n.imt>s to hc'lp blenel in ' Ntost ol thc' kids ,irc' ht're> lor tec re*<ition, but some* kids, likc' IH-\e*ar ()ld \tomc .1 Shang, h.i\e ,1 sc'rious p.ission tor the g.imc' .me! aspirc's to pla\ c olle*ge tennis in Amc'ric .1. VVitli tlie* { hinest' group wanting to immerse* themn'lve's in .Ame'ri c .in t ulture, the' group h.id a le-w re'e|uc'sts th.it tlie' stall ,it NIWKS wc'rc' more than happv to help lul nil. "lhe\ w.inled the* kids to bunk w ith othe'r Ac .iilc'mv memlx'rs ,ind not be* isolated as .1 group, ih.it v\a\ thc'\ c oLild mingle w ith othe'r kids," 1 le'lsend said, \nel tht'\ wanted to se*e thf nt'w I l.irrv Pot te'r movit' suit e it won't be releasc'd in ( hin.i tor .i while*. Ihe\ e an get gt'l <1 c hanc v to sc'c' it bc'forc' thc'ir trie'nds. "And ot tourst' Sc hlittc'rb.ihn. I he\ want to expc'riCMK e as muc h as the\ e an while' tht'v .ire* lie're." The* main tiling that fit'ldse'nd .ind the' rt'st ol the NIWKS statt want the* ( hinc'st* tt'am to t.ikt' with tiic'ni is the* seiist* ot tamiK that the Rant h t.ikes ptielc' in providing. "Thc'st* kids, like .ill the* kids who tome* to tlu' ,Ac.idc'm\, art' lik(' tamilv to us,' hc' said. "I hope' the\ 'II t omt' bat k Ik )iiie .ind sc'c* us ag.iin." Michaels hfts Astros over Nationals in 11th HOUSTON (AP) l.ison Mi( h.it'is hit an RHI single* m the* I I th inning to litt the' I ieiuston Astios to ,1 5 2 will over tiu* W.ishington Nationals oti We'dne*sd.i\. I Iuml)(*r1e) (^uintt'ie) sin-glt'd to right lield be'torc adv.iiu ing to st'tond on a SiU t ili( e* bunt. I it* took third on .1 singh' by Mit liac'l Bourn te> se*t up Mie h.ic'ls' g.imc'-winne'r to t e'iitc'r otl lodd C'otli*y (5* Dth.it gavt'the'Astroseon-s(H utive wins tt)r tlu' iirst time in more than a month. Neitlier ti*.iiii got ii hit in a scort'k'ss lOth inning betore* |.i\son Wc'rth d( lu bk'fl with one* out in tin* I I th. Wilton 1 ope*/ i2 4) rc'tirt'd tlu' iic'xt two Nationals to t'nd the* sc or-ing thre'.it. Houston rookit* lost* Altuve* [)it kt'tl up liis tirst major league* hit W'ith a single to rigiit iie'lcl ott 1\ le*r ( li[)[)ard with two outs in tht' ninth. Clipp.ird walkt'd \ luntt'r Pena' bc'tore rc'tir-ing C.arlos U*e to send it to tlie loth. WcMth had tlirt'e hits and drove in Washington's only runs with .1 two-run homer that tied it 2-all in the sixth inning. Retired but not forgotten: Yao Ming calls it a career SHANGHAI (AP) ,\ large* sc roll U'hind the* ()l.i\er who brought ( hin.i to the' NBA and'the NBA to ( hin.i summe'cl up the ot t asion. "Ming xit'," It said in Luge* ( liiiu'se c h.irat tt'rs tii.it, loosc'ly tr.inslatt'd, mc'an "'lao Ming, thiinks, the* e'tid." Y.10, with te'ar\ e*yes .it liiiK's .ind drt'ssc'cl in .in t'e|ually somlx'r blat k suit, c losed tht' book Wedni's d.iy on his eight-year c art't'r v\ ith the' I Houston Rot kt'ts, tone t'ding that in|urit's iinally geit the bi'st ol him. N.io ranks set oiul in Roe kc'ts histe)ry in blot ks (')20), sixth 111 total points ('>,247) and sixth in total rt'bounds ¡4,4941. \.io playc'd c'ight st'asons in tile» NBA, but misst'd an estim.ittxl 2'>0 rt'gular-sea son games over tlie past six ve.irs. A thirti stress trat ture in his k*tt loot at the t'lid t)i l.ist year t'ssen-ti.illv ttK)k the* dt.H ision t)ut oi his hanels. Se'k'fttHl to the NBA All-Star tt*am e'ight timt's, Yat) avc'ragetl 19 points and 9.2 reiK)untls. After his rookie season, Yae) ht'l[)ed the Rex ke*ts re-.ic h the' [)l.i\ oils in tht' nt'xt two \c*.irs. Y.10 pl.iyt'd in "'7 g.imt's in tile* 20()f^0'» stMson, wlit'n Houston reat he'd th(' se'tond rountl ol tht' [)l.iyotls tor the' tirst time sint e l')')7. But Y.U) iirokt' Ins Ic'tt tot)t in .1 pt)stst\ison g.ime against the I os Angelt's l akt'ts .ind unelerwt*nt e t)m[)k'X surge*f\ that side' lint'd him tor the entire 2(K)')10st\ist)n. Heiasttxl tinl)' five gamt's at tht' start oi the 2010-1 I stvason, bt'iore breaking his lc*tt ankle. THE EXTRA POINT New Braunfels' Kylie Blair F\N zom: SPORTS ON TV MENS COLLEGE BASKETBALL Today CYCUN6 7 im. VERSUS Touf de France, stage 18. Pinerolfj Italy to Galibiet Serre Chevalmr France GOLf 8 a.m. TGC European PGA Tour. Nordea Masters first rnunri, at Stockholm 11 am. ESPN? The Senior British Open Championship, first round 1130 am TGC Nationwide Tour, Children's Hospital Invitational, first round, at Columbus, Ohio 2 pm. TGC PGA Tour, Canadian Open, first round, at Vancouver, British Columbia 5:30 pm. TGC I PGA, Evian I\^asters, first round at Evian les-Bains, France MAJOR LEAGUE BASEBAU. 11 am, MLB Regional coverage, St Louis at N Y Mets or San Oiego at Florida 130 p m. FOXSW Rangers at Angels 6 p.m. MLB Regional coverage, N Y Yankees at Tanipa Bay or Detroit at Minnesota TOD •> SCOKKS LANCE GLANCE Former Canyon High School standout Lance Barkman. now a rightfielder with the St Louis Cardmals went 1 for 4 with an RBI in a 6-5 loss to the Mets on Wednesday He is hatlinq 286 ttiis i season ' MLB STANDINGS Natonal League East Division W L Pet GB Philadelphia 60 36 625 Atlanta 57 39 "iSA 3 NewYrjrk 48 48 500 12 Washington 48 49 495 12 Florida 47 50 485 13 Central Division W L Pet GB Pittshuiqh 51 44 537 Milwaukee 51 46 526 1 St Louis 50 46 521 1 Cincinnati 47 50 485 5 ChiLiiqo 39 59 398 13 Houston 32 B5 330 20 West Division W L Pet GB SanFi.incisco 56 41 5/7 An/(in;i 52 44 S42 3 Coloiddi) 45 51 469 10 LosAnqeles 42 54 438 13 San Dieqo 42 55 433 14 Tuesday's Results Cini innati 3, Pittsburgh ! Houston 3, Washington 2, 11 innings Philadelphia 9, Chicago Cubs 1 L A Dodgers 1, San Francisco 0 San Diego 14. Flonda 3 N Y Mets 6, St, Louis 5. 10 inmngs Atlanta at Colorado, late Milwaukee at An/ona, late Today's Games San Diego IMoseley 2-9) at Florida (Va/que/ 6-81,11 10 a m St Louis IWestbiook 7-4! at N Y Mets (Niese9 71, 11 10 am Atlanta IHanson 10-5) at Colorado (Chai'in 8-7). 2,10 p m, Milwaukee (Greinke 7 31 at An/ona (I Kennedy 10-31 8 40 p,m American League East Division W L 58 37 56 38 51 44 47 49 39 55 Central Division W L 51 45 51 45 47 50 45 51 39 58 West Division W L Texas 55 41 Los Angeles 51 45 Seattle 43 52 Oakland 42 55 Boston New York Tampa Bay Toronto Baltimore Cleveland Detiuit Chicago Minnesota Kansas City Pet GB 611 596 1 537 7 490 n 415 18 Pet GB 531 531 485 4 469 6 402 12 Pet GB 573 531 4 453 11 433 13 Tuesday's Results Boston 4, Baltimore 0 Minnesota 7, Cleveland 5 Oakland 7, Detroit 5 Toronto 11, Seattle 6 N Y Yankees 4, Tampa Bay 0 Chicago White Sox at Kansas City, late Texas at L A Angels, late Today's Games Seattle (Fistei 3-11) at Toionto (R Romero 7 9). 11 37 a m Texas (C Wilson 10-3) at LA Angels (Weaver 124!, 2 35 p m N Y Yankees ISabathia 14 4) at Tantpa Bay ¡Shields 8-8). 6 10 p ni Detioit (Veilandei 12-5) at Minnesota IPavano 6-6), 7 10 p m.lHaren 10 6), 9 05 p ni ► TEXAS LOTTERY PICK 3 (7/20) Day 2-4-9 Night 5-3-0 DAILY 4 (7/20) Day 0-7-5-6 Nigtn 4 9-5-3 SATURDAY LOTTO Jackpot: $11 million 1-8-14-35-43-50 (7/16) WEDNESDAY LOTTO Jackpot: $12million 2-7-19-28-36-51 (7/20) MEGA MILLIONS (7/19) 2-9 10-16-35 MB; 40 Megaplier: 4 TEXAS TWO-STEP (7/18) 4 20-27-29 BB: 18 CASH FIVE (7/20) 7-8 15-23-31 POWERBALL (7/20) 1-4 38-40-42 PB: 17 Power Play: 4 For lireakmg nevus, sports scores, weather, tr attic atui inid-clay updates, follow us on Twitter i^NewBraunfelsHZ ri learn what's in tomorrow's paper, offer news tips, receive alerts Become a New Braunfels Herald Zeitung Facebook tan Receive the Herald-Zeitung e-newsletter in your e-mail box each morning herald zeitung.com. 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A bronze statue of Opo the dolphin is just days away from arriving in Opononi, almost two years after the stone original was beheaded in an unexplained late-night incident.
The damage to the iconic sculpture, carved by Russell Clark to commemorate the antics of a friendly dolphin named Opo, sent shockwaves around the country and sparked a campaign for a more durable replacement.
A local out for a walk early on October 27, 2011, discovered the boy rider's head been snapped off the statue and was lying on the ground in two pieces.
The sculpture has since been restored but former policeman and publican Ian Leigh-Mackenzie, who played with Opo as a youngster in the summer of 1955-56, launched a fundraising drive for a bronze statue cast from the original.
The new statue is set to arrive on Saturday.
It will be mounted, under wraps, at the same location outside the Opononi Hotel but on a three-tonne black granite plinth.
It will be unveiled at a public ceremony at 11am the following Saturday, September 14, by Far North District councillor and Lottery Environment and Heritage Committee member Sally Macauley.
Mr Leigh-Mackenzie said everyone was welcome at the ceremony, which would be held one month short of two years since the boy rider's heard was broken off.
The entire project had cost $90,000, $50,000 of which had come from Lotteries, with the balance from Pub Charities and public donations.
An Auckland foundry owner had donated bronze worth $5000.
Mr Leigh-Mackenzie said he was extremely pleased with the statue, which was the same size as the original but would be mounted higher. The boy, dolphin and sea were coated in different patinas.
"It really is beautiful," he said. Reprints of Eric Lee-Johnson's classic book about Opo would be available on the day of the unveiling.
Visitors still asked daily about the original statue, which was now at the South Hokianga Museum on Waianga Place, near Opononi Area School. It had been repaired without charge by an Auckland stone restorer.
A plaque on the seaward side of the new statue's plinth would tell the story of Opo, while another on the back would name the donors.


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- Practical advice to help you regularly save money and invest
- Find companies you can trust and the best financial products
- Impartial pensions and Isa tips without the financial jargon
- Your one-stop shop for all money matters
Leaving the safe cocoon of student life to enter the grown-up world of work can be a daunting experience. The years of studying and partying, with little responsibility beyond getting to a lecture on time, are over. It's time to put that degree to the test and start earning some real money.
With this change in lifestyle, however, comes a dramatic shift in financial priorities. Scraping a few pounds together to buy a pint at the student union bar gives way to bigger concerns like getting a job and tackling that dreaded student debt.
"It's a cliché, but after graduation there is only one phrase that applies: 'Welcome to the 'real world'," says Francis Klonowski, director of financial planning consultants Klonowski and Co in Leeds.
With average graduate debt now topping £13,000, according to Natwest, there's no doubt that juggling debt repayments with getting on the career ladder is a tricky feat. But it's not impossible, providing graduates get their finances organised and set themselves some priorities.
Back home
If, like many graduates, the only financially viable option is to return home to mum and dad while hunting for a job, it's crucial to take advantage of this cheap accommodation. Seek work as soon as possible to get yourself back on track.
Even for those super-organised students who start applying for jobs during their final year, it can often take months of applications and interviews to find the right job.
Klonowski sympathises: "I made the classic mistake of believing that after graduating with a good degree from a good university, prospective employers would be falling over themselves for my services. They weren't, and it took around 50 failed applications and six fruitless interviews to find something I felt was right."
If it looks as though it may take some time to find the job you want, taking some temporary work to fill the gap is the best option. It will often be in a completely different area to your degree, but the important factor is to generate some income as soon as possible.
Tackling debt
Once you've started earning, the next step is to take a look at what debts you've accumulated over the last few years at university and prioritise them. It can be tempting to blow your first pay packet and promise yourself you'll get round to addressing your debts later.
Write a list of the debts, with the rate of interest being charged for each one. "Credit cards will be the most expensive and student loans the cheapest, so work through your debts this way," advises Sue Hannums, savings manager at AWD Chase de Vere. "If you've got two credit cards, for example, pay the minimum repayments on the cheapest and concentrate on clearing the more expensive one."
If you can, Jo Roberts, partner at Needanadviser.com, also suggests switching existing credit cards onto 0% cards so you can start repaying debts without them growing any bigger.
"Be vigilant when doing this, however," she warns. "Watch out for fees and be sure to move when the 0% period ends."
Overdrafts on student bank accounts tend to be interest-free - and many graduate accounts also don't charge for up to two years after university. But this shouldn't be the green light to leave repaying your overdraft or going further overdrawn. It's important to be disciplined and pay more off each month.
Talk to your bank about how you plan to do this and they'll often cooperate by reducing your overdraft as you pay it off, to remove the temptation to dip in further.
If you have several debts it may be worth consolidating them with a personal loan, as it's easier to budget with one repayment. There are lots of graduate loan packages - some of the lowest rates on offer are exclusive to certain professions that require further study, such as law, accountancy, medicine and dentistry.
Applying for jobs
When applying for graduate jobs, it's important to factor in the cost of taking up a position. If the jobs involve moving to another town or city - particularly to London, where 40% of last year's graduates headed - consider whether you have enough funds for the move and whether the salaries on offer aresufficient to live on.
"It's easy to get seduced by different aspects of the job itself, but before accepting you need to ruthlessly go through the sums to see if they add up," says Klonowski.
It's worth having a hunt on online property sites to get an idea of what you can expect to pay in rent. If you have friends who live in the areas where you're applying for jobs, ask them about the cost of living and extras such as travel costs and council tax. "Make sure you include an extra sum for contingencies," adds Klonowski.
The real world
Settling into a new job can be tricky. You'll be keen to get on with everyone and make new friends, while learning the ropes and figuring out how things work. It's important, however, not to get carried away with the new social life. There's no harm in going out and having fun, but chances are you'll be on a modest salary and still have debts to repay, so it's important to keep focused.
If you're finding it hard to manage, it's crucial to work out a budget, says Hannums. "Budgeting doesn't have to mean going without anything, just allocating for it. If you want to go clothes shopping, for example, allow yourself £50 a month and stick to it. Now you're receiving a regular salary, it will be easier to monitor your outgoings and see what you can afford to spend."
It's also possible to boost your finances by making a few simple changes. "Shop around for everything," says Hannums. "From utilities to your mobile phone tariff, you can make big savings by switching to the best deals."
Roberts also suggests day-to-day tips. "Try not to buy takeaway coffees, sandwiches and magazines every day and use the savings for other pleasures such as meals and nights out. No one misses not having shop-bought coffee and sandwiches, but most of us feel down if we can't go out with friends for the evening."
If taking on your first job is stretching your finances, you may well have to sacrifice bigger purchases, especially in that first year when finances can be particularly tight. If taking on further debt is the only way you can afford something, then you can't afford it.
The great incentive is that the sooner you're free of debt, the sooner you can really start making the most of your salary and plan for the future, whether that means saving for a trip round the world or your first home.
An overdraft is an agreement with your bank that authorises you to withdraw more funds from your account than you have deposited in it. Many banks charge for this privilege either as a fixed fee or charge interest on the money overdrawn at a special high rate. Some banks charge a fee and interest. And other banks offer a free overdraft but impose very high charges for exceeding the agreed limit of your overdraft.
Good article. I wish I had been given tips like this when I completed my first degree. I remember when I graduated there was a lot of student apathy, no one was worried about loans then but talking to students on my MA course now, many people are trying not to think about it. That is a scary amount of money to owe.
I managed to clear my loan in less than two years but that was because I was clever with my money. It was one of the best things I ever did.


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I had a ba and lollipop lift 4 days ago. I had 325 cc put in my left breast and 375 cc in my right saliene moderate profile under the muscle. After getting home from surgery my right breast became noticably higher then my left. Even now on day 4 my left is much more soft and easy to move then my right. Is this normal? My left has almost no pain and my right is much more unconfortable hard and stiff. I have no bruising or bleeding.
One Implant Riding Very High After Breast Augmentation With Lift? (photo)
Doctor Answers 12
One week post-op
All of your concerns should be directed to your surgeon. Your volumes at least appear near equal so you can focus your energies on lowering the right implant with massage and asymmetric bra use. Let your surgeon help you through your recovery. You trusted him/her enough to let him/her do your surgery. Now is not the time to have doubts about your surgeon and it is likely he/she will help you achieve the results you desire.
One Implant Riding High 4 Days after Breast Augmentation and Lift
The breast with the larger implant will tend to be the one that is higher and has more pain. In addition, same size implants do not drop at the same rate, and one will usually take longer. Kenneth Hughes, MD Los Angeles, CA
Web reference: http://www.hughesplasticsurgery.com
Post operative breast implant asymmetry
It is too soon to be worried about the implant asymmetry. There may be differential swelling in each breast. I recommend gentle massage on the right (down and side to side) and be patient. What you see is not what you get for at least three months. Of course you should express your concerns to your doctor and see what he or she thinks. Sometimes a breast strap above the breasts also helps to drop the implants to a better position.
Daniel Medalie, MD
Web reference: http://www.ClevelandPlasticSurgery.com
You might also like...
Assymetry after breast augmentation
Thank you for the picture. It is common after breast augmentation to have some assymetry for the first couple of weeks. It can take up to 3 months for the implants to drop to their final position. In regards to the pain, most of my patients have one breast that is more sore than the other, usually their dominant hand side. The pain will get better! I hope this helps you.
Kindest regards,
Neil j. Zemmel
Web reference: https://www.richmondplasticsurgery.com
Asymmetry after Breast Augmentation/Lifting Surgery?
Thank you for the question and picture.
Some breast asymmetry related to breast implant asymmetry is quite common seen shortly after breast surgery. It may take several weeks/months for the breast implants to fully "settle". This settling process may be quite asymmetrical.
Therefore, it is best to evaluate the end results of surgery 3 to 6 months after it was performed. At this point, I would suggest that you continue to exercise patience and continue to follow up closely with your plastic surgeon.
Best wishes; hopefully you will be very pleased with the long-term outcome of the procedure forms.
Web reference: http://www.poustiplasticsurgery.com/Procedures/Procedure_breastLiftAug.htm
High Implant After Surgery
It is way too early to tell. Your breasts will change over the next several months. You are still swollen and most likely will be for another several weeks. I recommend you relax for the time being and make sure to go to your follow up appointments.
High implant four days post op
Hello. Four days is not near enough time for the implants to settle. Your implants will not settle for about another three to four months. Until then the best thing you can do to help them settle would be to massage and continue using any compressive dressings your surgeon had provided.
Jaime Perez, MD
Breast Augmentation Specialist
Plastic Surgery Center of Tampa
Web reference: http://www.jaimeperezmd.com/photogallery/breast-augmentation-7001
Early results of breast aug with lift
The early results after breast augmentation are quite variable from patient to patient and from breast to breast. Adding a breast lift just adds to the variability. It is quite possible that you will see a complete resolution of the asymmetry without any treatment over the next several months. And the asymmetry might also persist and require a revision procedure to correct. It does not appear that you have an expanding hematoma or immediate need to return to the operating room. You will need to give the healing process time and continue the follow up with your surgeon.
Breast lift and augmentation
Without an exam it is difficult to state exactly why this is happening to you. Can you have a hematoma? Can it jsut be swelling? Can it be muscle spasm? Yes. Best to be seen in person by your surgeon.
Four days postop
Web reference: http://www.basuplasticsurgery.com/houston-breast-surgery/breast-augmentation/
These answers are for educational purposes and should not be relied upon as a substitute for medical advice you may receive from your physician. If you have a medical emergency, please call 911. These answers do not constitute or initiate a patient/doctor relationship.


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With over 35 years of experience and a legal team of over 170 professionals, Pace Law Firm has unparalleled expertise and experience. Providing exceptional client service in over 37 languages, the lawyers and staff at Pace Law Firm deliver results. Insurance companies will dispute coverage, accident benefit entitlements, and claims over how injuries will affect your income or earnings. The lawyers at Pace Law Firm will provide the dedicated legal experience and working knowledge required to navigate these difficult issues.
If you or someone you love has experienced a personal injury or has been denied their rightful benefits, contact one of our legal experts at Pace Law Firm for experienced legal help.
A car accident can have devastating effects on you and your family. The moments following an accident can be bewildering as people can lose their ability to think clearly during the panic and pain of the moment. Pace Law Firm has been helping victims of car accidents and other personal injuries for over 35 years. We are proud to introduce the Pace Law Firm Mobile App which can be available to you when you need it most – immediately after an accident.
Our Mobile app, developed for iOS and Android devices, provides you with the tools to collect all the information you need when you've been involved in an accident.
As well, as you proceed through the healing process, the app can be used to:
My Experience with your firm has been great!
I wish to extend my thanks for all the things you have done for me and my family in regards to my case. My experience with your firm thus far has been great. Michelle Arzaga and Jackie Yoon have been wonderful. I was told it was a miracle that I survived from that car accident. 3 years of recovery, rehab, and much involvement in legal processes with the insurance was painful. It would have been a much more difficult process if I hadn't hired Pace Law Firm. I was fortunate to have Jackie Yoon who had explained everything in Korean so my family and I had a better understanding of what was going on.
Excellent and Dedicated Staff
We had the unfortunate circumstances of being involved in a major car accident in 2009. It could have been a lot worse, but thank God that it wasn't. We were told of your firm by a family member and decided to have Pace Law Firm represent us. We wanted to let you know how grateful we are to your staff and how well they represented your firm throughout our case. Pace Law Firm should feel very lucky and extremely fortunate to have the following group of individuals represent and work for the firm: Robert Kram, Anu Malhotra, Patricia Edwards, and Flora Shing.
John and Alexandra
Toronto, Ontario
Thank You For Your Support
My name is Alison McCormick and our daughter, Alanna McCormick , competed at the Ontario Winter Games for SBX snowboarding. Our family had the pleasure of meeting one of your staff, Mr. Mike Styles on site at the competition held at Beaver Valley...You have a great emissary in your firm with Mr. Styles as a representative. It was terrific for our family to meet face to face with a sponsor. Our family live in Perth, mid-way between Ottawa and Kingston. Until the event we had not been aware of your firm nor of your sponsorship. We are so pleased to now know of your firm and we are very thankful for your sponsorship of the event.
Alison McCormick
$1.7 Million For Family Members Injured In Car Accident
$2.6 Million Settlement For Car Accident Victim
$650,000 Success in a Case After the Limitation Period Had Expired
$75,000 for Botched Pedicure


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Panetta calls for more agile NATO with wider strategic focus
By David Alexander
LONDON (Reuters) - Defense Secretary Leon Panetta called on Friday for NATO to reinvent itself as a more agile alliance with a broader outlook embracing the Asia-Pacific and able to respond to new threats from Islamic militancy.
Panetta said as the alliance winds down the Afghanistan war and cuts defense spending to fit shrinking budgets, it would still face challenges from Islamist militants as well as countries like Iran and North Korea.
"NATO can no longer be an alliance focused on a single type of mission, whether deterring the aggression of another superpower or conducting stability operations like Afghanistan," Panetta told a group at King's College in London, in one of his last major speeches as defense secretary.
"To be prepared to quickly respond to a wider range of threats in an era of fiscal constraint, we must build an innovative, flexible, and rotational model for forward-deployed presence and training," he said.
Panetta, whose trip to Europe this week has coincided with Islamist militant violence in Mali and Algeria, is due to leave office in the next few weeks once his successor is confirmed by the U.S. Congress.
His comments echoed those 18 months ago by his predecessor Robert Gates, who used his last speech in Europe as defense secretary to bluntly warn that NATO risked irrelevance because members were unwilling to invest in defense, saying that Washington could not shoulder the entire financial burden.
Panetta noted that some European allies had been concerned about the new U.S. defense strategy, which calls for a rebalance toward the Asia-Pacific region.
To make that shift under tight fiscal constraints - defense spending will be cut by $487 billion over a decade - the Pentagon has cut U.S. forces in Europe, causing economic pain in some areas. Continued...


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WHS Adoptable Animals
The Wisconsin Humane Society (WHS) is a private, nonprofit organization whose mission is to build a community where people value animals and treat them with respect and kindness. For more than 128 years, WHS has been saving the lives of animals in need. We offer adoption services that place 9,000 animals in new homes annually, veterinary services that save thousands of lives, educational programs that instill respect for animals, behavior services to assist guardians and a myriad of other initiatives that help end suffering for animals. We depend entirely on private donations to fund our programs and rely on volunteers in nearly every department. If you are interested in adopting, volunteering, enrolling in a class, taking a tour or making a donation, check out our comprehensive web site at wihumane.org. The adoptable animals' web pages are updated every 30 minutes!
Pet Food Bank Seeking Donations
Read the full article here: http://www.jsonline.com/newswatch/102540514.html
The Wisconsin Humane Society's Furry Friend Food Program
This special program assists families in temporary need of help with food for their companion animals
We are currently in high need of:
Canned Cat Food
Cat litter
Dry cat food
Dry dog food
This site uses Facebook comments to make it easier for you to contribute. If you see a comment you would like to flag for spam or abuse, click the "x" in the upper right of it. By posting, you agree to our Terms of Use.


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|1,950 sq. ft.
|Property type
|Minimum Stay
|3 - 5 nights
1950 square foot Ruidoso cabin with awesome views in the Upper Canyon. Conveniently located in a quiet neighborhood with lots of wildlife, mountain biking and hiking. Dyer Straits is a three-bedroom, two-bath cabin, which accommodates six guests. Secluded yet close to shopping and skiing. Dyer Straits is also with in walking distance
to the Lincoln National Forest.
The loft is the master suite and is furnished with a king-size bed, flat panel color television and includes a sitting area. The master suite also has its own private bathroom with a shower. The main floor has a level entry with a covered porch and includes a nicely decorated living room with a wood burning fireplace, a fully stocked kitchen, dining area, full bathroom and bedroom with a queen size bed and a color television. There is also a covered 500 square foot deck with awesome views, patio furniture and a gas grill.
The lower floor has a full size pool table, foosball table, board games and a large TV with DVD for family entertaining. There is also a bedroom with bunk beds. In addition there is a secluded covered 500 square foot deck on the lower floor.
Keywords: cabin
Dear Grant & Dennean,
What a lovely place you have in Ruidoso. It is so peaceful and the view off the deck is gorgeous! We met the hummingbirds, watched turkeys, and a mother deer with twin fawns came by each morning. The cabin was just the perfect size, so nicely decorated and comfortable. Again we want to thank you for sharing your cabin with us and so many others. It was a perfect retreat to spend our 30th anniversary.
Thank you,
My family loved your home. Thank you for sharing with us. The pool table, fire place and great kitchen table made an early Christmas perfect! We enjoyed a walk around the neighborhood and some Frisbee golf at Grindstone lake.
My husband and I spent 5 nights at this lovely cabin in September. This was the 2nd time we had stayed there. Spent lots of time just sitting on the top deck looking at the beautiful stars because the view is awesome! Played lots of pool! Will definitely stay there again. Owners are prompt in responses. Very clean cabin and property. Quiet! Only complaint is the LED light on the a/c and heater unit in the master bedroom which bothered my sensitive eyes and seemed very bright to me. Husband had no problem with it!
This was an absolutely lovely property. Location was secluded, but not too isolated. House has three levels - lower level is a game room with pool table and opens to a large outdoor deck. This level has bunk beds. The ground level has living, kitchen, bedroom and bath, and also has a large outdoor deck. Entire upper level is the master suite, very private and conducive to peaceful sleep. Only complaint is the shower in the master bath is small, but not really a problem. Property was extremely clean and well kept. Kitchen was thoroughly stocked with all the necessary cooking items. This home sits on top the mountain, but is still a quick trip into town. Hardly any traffic passed by during our 4 night stay. Owners were very responsive and easy to work with.
My husband and I stayed there over Labor Day weekend and had a fantastic time! The cabin was immaculately clean. The beds were comfortable and all the rooms were nicely furnished. We enjoyed sitting outside on the decks while watching deer, turkeys, birds, sunrise and sunsets during the day and gazing at stars at night! We will definitely stay there again when we return to Ruidoso!
We have been to Ruidoso several times before, but this property is a find and just simply awesome! As someone stated in the earlier reviews, the moment we walked in the door, we really fell in love. The pictures don't even do justice! You can tell the owners consider this house a home which is lovingly cared for. Very clean and great for our family of four. Everything was well thought through and decorated so nicely. Loved the type of wood that was chosen, the decks/porches, the location, the views, the wildlife, the entertainment for kids, really everything. The only thing that was a little disappointing, but not surprising as changes had to be made when certain renters just don't care of things which are not theirs, is that a washer/dryer wasn't available for use. Having stayed there for 5 nights, it was fine, but if we wanted to stay longer, we would have to go to a laundry mat which is not appealing and takes away time. We definitely want to go back. We had an amazing Christmas in the Upper Canyon! Thanks to the Owners!
We stayed at the Dyer's Cabin for three weeks last month (August 2013), and the "Cabin" (more like a spacious home) was awesome! It was just as advertised and more, very clean, comfortable, and quiet. We would definitely stay there again next year if it is available. Our thanks to the Dyer's for a very enjoyable vacation away from the heat of south Texas!
Other Activities: shopping, horse racing, performing arts
|Rate Period
|Weekend Night
|Monthly *
Memorial Day
May 26 2017 - May 29 2017
3 night minimum stay
4th of July
Jul 1 2017 - Jul 4 2017
3 night minimum stay
Labor Day
Sep 1 2017 - Sep 4 2017
3 night minimum stay
Nov 23 2017 - Nov 26 2017
3 night minimum stay
Winter Holiday
Dec 20 2017 - Jan 7 2018
5 night minimum stay
My Standard Rate
3 night minimum stay
|Cleaning Fee
|Refundable damage deposit
* Approximate monthly rate. Actual rate will depend on the days of the month you stay.


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The Congressional Budget Office has played a key role in defining the fiscal success and failures for the Affordable Care Act — at least from the perspective of the American taxpayer. Since the healthcare reform bill was passed in March of 2010, the CBO has provided lawmakers and taxpayers key projections on how the healthcare reform law would impact government spending and the federal deficit — until now. Several weeks ago, the nonpartisan government agency announced that it would no longer measure the fiscal impact of a number of provisions of the healthcare reform law because the task is too complex, partly because of difficult economic recovery, but also because of the numerous rule changes made by the Obama administration throughout the law's implementation. This announcement means that it will be much more difficult to study the fiscal impacts of the healthcare reform since the CBO analysis is the leading authority on the subject.
Why Is Obamacare's Financial Future Unknowable?
After considering all Obamacare's provisions — including those that subsidize insurance coverage for lower-income Americans — the CBO and the Joint Committee on Taxation estimated in July 2012, the most recent comprehensive analysis, that the Affordable Care Act's overall effect would be to reduce federal deficits. Upon a request from House Republicans, the agency calculated that repealing the Affordable Care Act would add $109 billion to the federal deficit over a ten-year period. That means that two years ago the agency still believed the reform law would save the government money. The CBO's expectation for a budget reduction was largely reaffirmed in the agency's April updated estimate of the effects of the insurance coverage provisions of Obamacare. But a footnote in the April analysis noted that, "CBO and JCT can no longer determine exactly how the provisions of the ACA that are not related to the expansion of health insurance coverage have affected their projections of direct spending and revenues."
More specifically, the CBO can quantify the budgetary effects of provisions of the Affordable Care Act that expanded insurance coverage through the establishment of entirely new programs, like the system of insurance marketplaces, or through the enlargement of existing government programs. "In contrast, other provisions of the Affordable Care Act significantly modified existing federal programs and made changes to the Internal Revenue Code," and "isolating the incremental effects of those provisions on previously existing programs and revenues four years after enactment of the Affordable Care Act is not possible." Obamacare's expansion of Medicaid is just one example of a changed program that the CBO is unable to measure.
Fault is not entirely with the Obama administration's much-amended implementation schedule; the reform has seen 41 different delays or administrative adjustments — according to the nonprofit health and tax policy organization, Galen Institute. However, as CBO wrote in a letter to Speaker of the House John Boehner in July of 2014, which detailed the possible effects of a repeal of the Affordable Care Act, "separating the incremental effects of the provisions in the ACA that affect spending for ongoing programs and revenue streams becomes more uncertain as the time since enactment grows." Changes in economic conditions over the past four years, as well as adjustments to the CBO's projections of future economic conditions, have also made it more difficult to describe the fiscal impacts of the law.


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Welcome to Defensive Carry The best forum for sharing ideas and experience.
Help us keep this forum great by remembering the Golden Rule: Please treat others as you want to be treated.
I am from Kansas.
This is a discussion on Newb from the Northwest within the New Members Introduce Yourself forums, part of the Welcome To DefensiveCarry.com category; Welcome from Fort Worth, Texas....
Welcome from Fort Worth, Texas.
NRA Life Member
GOA Life MemberMoving to a new location
Welcome to Defensive Carry The best forum for sharing ideas and experience.
Help us keep this forum great by remembering the Golden Rule: Please treat others as you want to be treated.
I am from Kansas.
from Central Florida!
Proverbs 27:12 says: The prudent see danger and take refuge, but the simple keep going and suffer for it.
Certified Glock Armorer
NRA Life Member
Welcome from the Midwest!
Good to have you aboard.
The United States Constitution © 1791. All Rights Reserved.
I am curious, how do you think we use your experience to help persuade others who have not yet 'seen the light'? Is there something someone could have said or done to convince you sooner?
Welcome from GA!
Better late than never. Welcome to the forum.
Welcome from Utah.
"Government is not the solution to our problem; government IS the problem". - Ronald Reagan 1981
Welcome from Olympic Peninsula... Enjoy your new to you guns and keep up on classes for safety... You can never get enough training to be safe around family and others.
RSO, WA. XDMc 9mm, S&W 642CT & 442 38 sp, 1947 Savage 99 300,
1972 Marlin 336 RC .35, 1922 Walther Model 4, 1933 Walther DSM 34, High Standard 1954 22LRI prefer to be judged by 12 then carried by 6
Welcome from up north!
You are correct. Police will only intervene AFTER someone has called them (unless you are incredibly lucky and they are there already). By the time someone has had a chance to call them it's too late most of the time. YOU are responsible for the defense your loves ones before anyone else.
You are definitely money ahead with the martial arts training, but it's good to have all possible weapons at your disposal so you have the least chance of giving the attacker an advantage. If possible, you never even want to give an attacker the chance to be equal, much less letting them have an advantage. Always tip the odds in your own favor if you can.
Welcome from Delaware!
You can educate ignorance, you can't fix stupid
Retired DE Trooper, SA XD40 SC, S&W 2" Airweight
dukalmighty & Pure Kustom Black Ops Pro "Trooper" Holsters, DE CCDW and LEOSA Permits, Vietnam Vet 68-69 Pleiku
Hello! Welcome from Southeast Kansas!
Welcome From Spokane
But now, he said, take your money and a travelers bag. And if you dont have a sword, sell your cloak and buy one! Luke 22:36 (NLT)
Welcome to the light!
"What lies behind us and what lies before us are tiny matters compared to what lies within us." - Ralph Waldo Emerson


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Much like the A.C. Ryan Playon!HD Mini, this ViewSonic bundles a full-size remote. Unfortunately it's far less attractive than the small, muted matt black affair that accompanied the VMP30, with a glossy top leading to plenty of fingerprints and white buttons giving a slightly toy-like impression. However, it's also far more practical. It runs on AAA batteries so you can easily use rechargeable ones, its layout is spot-on with each button logically positioned and clearly marked, and it lies comfortably in the hand with its matt underside offering a secure grip.
Turning the VMP74 on reveals an attractive side-scrolling main menu with large, colourful icons. While not quite as sharp and clean as the interface found on the Western Digital WDTV Live HD, it's nonetheless one of the better interfaces around, even if we do wish ViewSonic had gone for two rows of four rather than one continuous line of eight icons.
Tabbed folder browsing is an especially neat touch and one we haven't come across before. It makes switching instantly to anywhere in a long directory string child's play, and we hope other media players will adopt it. Another great feature is that pressing the 'info' button at any stage changes the folder view, similar to Windows or OSX, with several views offering video previews within icons which load reasonably quickly. These touches raise the ViewSonic's interface above that of most rivals.
There are plenty of options in the 'Setup' menu, where you can alter video, audio and network/sharing settings, as well as media playback (like choosing your preferred audio or subtitle language for 'DVD' playback, or adjusting slide show transitions and timing). For display settings you can choose various resolutions, aspect ratios and turn scaling on or off. Interestingly, you can also alter brightness, contrast, hue and saturation – even when connected over HDMI. Audio settings allow you to choose between analogue or digital output, and to select DTS, AAC, Dolby or WMA Pro throughput.
Next up is 'iMedia', which gives access to the VMP74's online services that comprise BBC iPlayer (the US gets Netflix instead), Live 365 and SHOUTcast (online streaming radio), YouTube and Flickr. You can access most websites and services through the built-in browser, but it's nice that dedicated modules are provided. iPlayer, for example - which uses the BBC's 'big screen' browser interface - works very well indeed once you get past some sluggish menus.
ViewSonic's media player is unique among those we have reviewed in offering a usable web browser. Navigating and text-entry using the included remote is clunky and slightly frustrating, and the virtual keyboard doesn't help much - but fear not; USB keyboards and mice (including wireless sets) are supported. Unsurprisingly web page rendering can be a little slow and formatting can be inconsistent, but provided you use peripherals rather than the remote it's an alternative.
One other feature that adds some unique flair to the VMP74 is a weather applet that's always visible on the main screen (along with the time and date). Superfluous, maybe, but nice all the same. The RSS reader, meanwhile, works pretty much as expected. 'Terastation' provides access to network shared folders and the VMP74 is UPnP compatible, so you can pull media from a NAS box or PC connected to the network.
There's a 'Favourites' menu where you can set up background music to have your preferred tunes playing while browsing, watching slideshows, etc. Last but not least, 'Removable Device' lets you browse external storage connected locally over USB or eSATA, with support for FAT, FAT32 and NTFS. In another nice touch, you're given the used and free capacity of any device without needing to go into sub-menus.
Why not review Sumvision cyclone HD2 1080p Divx & ISO HDMI USB/SD Media Player and Recorder with built in DVBT tuner which has a built-in freeview recorder?
@james1000: Jees, you're obsessed! USB 3.0 is far from ubiquitous so it's fair to assume that any device that we don't explicitly mention has USb 3.0, doesn't.
More information -
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Hello, Western Union? First Data CallingVeronica Byrd
It's not the most glamorous business in the world. In fact, its very name is synonymous with obscurity: the back office. But if processing paperwork is low-profile work, it has also proved highly lucrative for First Data Corp., a spin-off of American Express Co. If you have a credit card from Visa or MasterCard, own mutual-fund shares, have sent an AmEx MoneyGram, or have paid a hospital bill of late, chances are that First Data, based in Hackensack, N.J., churned out your statement or collected your payment. "People don't see us," says First Data Chief Executive Henry C. Duques, "but we have a huge behind-the-scenes impact."
That impact generates results. Revenues have soared 45%, to $1.5 billion, since 1991, the last year AmEx owned First Data, while earnings jumped 47%, to $173 million. Salomon Brothers Inc. analyst James F. Kissane expects another profit rise of 20% this year, to $208 million, on revenues of $1.7 billion.
DISTANT SECOND. To keep the growth coming, First Data is trying to acquire Western Union Financial Services Inc., the profitable operating unit of New Valley Corp., which is under Chapter 11 bankruptcy protection. And that has Duques duking it out in a high-stakes bidding contest with none other than Forstmann Little & Co., the New York-based leveraged buyout firm. In June, First Data bid $660 million for the money-transfer company, topping Forstmann Little's $650 million offer. The final round of bidding is set for September.
First Data hardly seemed the kind of contestant to take on an LBO heavyweight under AmEx. While First Data did not process AmEx cards, customers such as Visa and MasterCard were irked that it was owned by a rival. Since the spin-off, First Data has grown to dominate the industry, handling more than 70 million transactions annually. Meanwhile, First Data has moved into other financial back-office work, such as preparing mutual-fund statements and providing health-care and cable-TV billing.
Acquiring Western Union is key to sustaining that growth. First Data has aimed for the money-transfer business since its spin-off, boosting its share of the $450 million market from 3% to 10%. But it is a distant second to Western Union, which, with 24,000 agents worldwide, holds 85%. And it's a fast-growing business, thanks to big numbers of immigrants who send money home. Kissane expects annual growth to top 15%.
But while Western Union dominates, it's burdened with antiquated equipment. Operating margins run 26%, while Kissane estimates First Data earns 30% on its highly efficient transfer and bill-paying service. By modernizing Western Union and applying the same back-office savvy that he has put to card processing, Duques should squeeze greater profits from the far-flung network.
To do that, though, he has to win the battle. Forstmann won't comment on Western Union. Although First Data's current bid tops Forstmann's--each bidder has also agreed to assume Western Union's debt and estimated $400 million in pension liabilities--Forstmann may yet up its offer. Other bidders could also emerge. The three highest bidders will make final bids, with the winner announced Sept. 19. Analysts say the price could hit $750 million.
WAR PATHS. A price tag that high could stretch First Data. While Forstmann has an estimated $2 billion war chest to finance takeovers, First Data has only $300 million in cash and just agreed to pay $156 million in stock for Envoy, a Nashville-based provider of credit-card services. Duques acknowledges that First Data will have to boost debt, leaving Wall Street worried. With First Data's debt currently running at 35% of total capital, "the central questions are how much cost can be wrung from Western Union and how great are the savings," says David M. Togut, an analyst with CS First Boston.
Duques says immediate benefits will come from combining First Data's agent network with Western Union's. Salomon's Kissane says that alone will save $40 million, with an additional $65 million from consolidating overhead. Duques also plans to expand sales of First Data's offerings through Western Union.
One thing Duques says he won't do is overpay. He scoffs at Wall Street fears that he will overleverage his company to win. "If we can't find the leverage and cost savings to make this work, we'll drop out," he says. "We have a very good business that's growing three times faster than Western Union." One way or another, Duques' low-profile days in the back office are coming to an end.


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I love the flavor of lemon!
It is so refreshing, especially as the days get warmer.
While browsing pinterest one day, I came across an easy recipe for
Cheesecake Factory Raspberry Lemonade.
After a few adjustments from the the posted recipe...
I had a new favorite, that I was able to serve at Abbie's Ladybug Birthday Party.
Cheesecake Factory Raspberry Lemonade
Adapted from- The Sexy Knitter
1 cup Water
1 1/4 cups Sugar
1 1/2 cups Fresh Lemon Juice
2 cups Fresh Raspberries
Bring water to a boil, then add the sugar and stir until completely dissolved, around a minute.
Remove from heat, then add to a blender with the raspberries and puree.
Add the lemon juice, puree, and enough cold water to make two quarts in a pitcher.
Chill for a couple of hours until ready to serve.
You can strain the raspberry seeds out using a sieve... it is more time consuming, but has a better consistency. I have done it both ways.
You can make this with Strawberries instead, though it takes on a tart Agua Fresca taste like I have made before. While okay, I like regular Strawberry Agua Fresca, and Raspberry Lemonade.
I don't have a juicer, so to get all of the lemon juice out... I use one of my hand mixer beaters. I just turn it clockwise while pressing into the meat of a halved lemon, over a spare bowl. I then turn it counterclockwise until most of the juice is extracted. Pour the lemon juice through a mini sieve to get out all of the seeds and pulp before adding it to the rest of the ingredients.