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You can always pay the loan off in less days then what you have originally set up for and that will make things easier day by day as well. You can avoid that happening by using that unexpected cash from your tax return. Government grants are financial assistance that doesn't have to be paid back.
Times like these, banks do not sanction loans for you. In this fiscal plan, you need to pay back loan within 2 to 4 weeks. You can get the money in the form of the loan and you can pay it back with the affordable interest. So, even if you are tagged with adverse credit scores such as CCJs, IVA, default or arrears, it is possible for you to avail for title payday loans advance no credit check without any hassle. Many people get approved, even if they have poor credit.
A valid UK bank account is also very much necessary. Although the Internet is your first source of information when it comes to auto title loans, you could also ask for referrals from your friends and colleagues. It takes a strong determination to keep a certain amount of cash going into your savings each month. The interest rate, loan tenure, and additional fees are subject to state rules, and not all states offer these "quick money" schemes.
Although banks and lending institutions have become tighter with their finances, there are still other options for those with bad credit. Times like these, banks do not sanction loans for you. Read reviews from consumers who have taken out cash for title loans texas. You must own the car outright, and the lender will loan money to you based on the value and condition of the car. Times like these, banks do not sanction loans for you.
The amount of money that is given as a loan will depend on the value of your car. So before signing any agreement, try to be cautious and make sure there are no surprises that could cause additional problems for you. Lubbock is found in northwest Texas and is said to be at the center of the South Plains which is the area between the Permian Basin found to the south and the Texas Panhandle to the north.
The interest rate, loan tenure, and additional fees are subject to state rules, and not all states offer these "quick money" schemes. It is your responsibility to inform yourself about the car title lending process and the things to expect from these companies. The contract clearly states when the money is expected to be returned and what charges will accrue if the terms of the loan change. Usually, these lending companies can offer many options and give you the best deals.
Depending on how much money you need right away and what state you live in, auto title loans from Green-Touch Title might help you. When you apply for texas auto title loan on-line, the lender uses the current value of the car as collateral to back up the funds in case you cannot repay the loan. If you don't meet this particular term of such loans, then you should probably consider another type of short-term loan-such as paycheck loans. However, many people find themselves between a rock and a hard place when it comes to a company that is willing to provide them with employment.
If all of these requirements are met there is no reason to assume that you will not qualify for a loan. It is, therefore, easier to avail texas auto title loan compared with other offered loans. Title loans have often been used for urgent bills-electric, grocery or phone bills, school fees and many other expenses.
In such situations, they find it very difficult to get out of this problem. This has made them stand apart from other financial lenders who keep you waiting for weeks or more before giving you the loan you had asked for. When you are having trouble pulling in the amount of money that is needed to ensure you do not have to struggle with the basic requirements you have, it would be smart to begin looking for help.


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The last words of our story back in 2008 were "Let the revolution begin." And while the G1 was the beginning of an amazing run that has made Android the most popular smartphone OS on the globe, it really wasn't until the Motorola DROID was released late in 2009 that Android took off. Powered with Android 2.0, the DROID became a challenger to the Apple iPhone 3GS and put Android on the map.
Five years after the T-Mobile G1 was announced with a 3.2 inch screen with 320 x 480 resolution, we now are used to glass larger than 5 inches with 1080 x 1920 resolution. The single-core 528MHz Qualcomm processor has been replaced with quad-core 2.3GHz Qualcomm Snapdragon 800 processors and if you have the right model, 3GB of RAM just might be onboard your new Android phone. That compares to the 192MB of RAM that G1 users had to deal with. The 3.2MP snapper on back has become a 13MP or even a 20.7MP camera. And the 1100mAh cell found on the G1 pales in comparison to today's 3500mAh powerhouse found on the Motorola DROID MAXX.
It is hard to imagine that only 5 years have gone by since the T-Mobile G1 was introduced. What will see with Android smartphones in 2018?

subset: commoncrawl


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Springfield, Ohio — In recognition of his outstanding contributions to advancing arts education throughout the state, region and nation, Corwin Georges, Wittenberg professor of theatre and dance, and the department's chair, has been selected to receive the prestigious Governor's Award for the Arts in Ohio from the Ohio Arts Council.
Since 1971, the Governor's Awards have been presented to individuals and organizations that have made significant contributions to the arts in their communities. More than 100 nominations were submitted this year for a Governor's Award with nine receiving the honor. Award categories in addition to Arts Education include Arts Administration, Arts Patron, Business Support of the Arts, Community Development & Participation, and Individual Artists.
For more than three decades, Georges has educated, advised and inspired countless students and community members about the important role of the arts in schools and society. Outside the classroom, Georges has served in a variety of capacities as well, including on the State Arts Education Advisory Committee, where he advised the Ohio Department of Education and the State Board of Education on matters related to arts education.
Additionally, Georges has served as a steering committee member and artist for Project Start Id, a collaborative effort aimed at developing methods for identifying students talented and gifted in the arts; a teacher licensure program reviewer for the Ohio Department of Education; a steering committee member for the Ohio Arts Education Assessment Project, and a steering committee member of the Comprehensive Arts Education Plan for Ohio. Georges also served as a research and project assessment consultant for the Tri-County Educational Service Center as part of a Kennedy Center-sponsored Partners in Education Teacher Research Project.
Closer to home, Georges also willingly shares his expertise, including as a program evaluator and program assessment consultant for the Springfield-based Arts Interface's Infusion Campus, as a program evaluator for the Yellow Springs Kids Playhouse, and through service on the board of the Springfield Symphony Orchestra, among other local boards and planning committees.
A panelist on numerous arts-centered programs, widely published, and a frequent presenter at professional meetings and workshops, Georges is the recipient of several awards, including Wittenberg's top faculty prize, the Alumni Association Award for Distinguished Teaching. He was also inducted into the Ohio Educational Theatre Association Hall of Fame in 2003.
In addition, Georges holds memberships in multiple professional associations, including the Kennedy Center Alliance for Arts Education Network (KCAAEN), the Ohio Alliance for Arts Education and the Association for Theatre in Higher Education. From 1999 to 2000, Georges served as National Chair of the KCAAEN.
Georges, who joined the Wittenberg faculty in 1972, earned his A.B. from Morehead State University, and his M.A. and Ph.D. from The Ohio State University. He currently teaches introduction to the theatre, theatre improvisation, acting, child drama, play directing and history of the theatre. Georges also presently oversees the programming and promotion of the university's annual Witt Series, which brings to the campus and local community distinguished lecturers and performing artists of national and international prominence.
This year's Governor's Awards will be presented at a luncheon ceremony honoring winners and members of the Ohio Legislature. Hosted by the Ohio Arts Council and Ohio Citizens for the Arts Foundation, the event begins at noon on April 1, 2009, at the Columbus Athenaeum in downtown Columbus. Winners will receive an original work of art by New Carlisle painter Jean Koeller.
Written By: Karen Gerboth


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Your donations keep RPGWatch running!
Legends of Dawn - Kickstarter Update #6
by Myrthos, 2013-01-08 12:46:09
In update number 6 of the Kickstarter Legends of Dawn (just $1K short of being funded) we are introduced to some of the non-combat parts of the game.
Maps panel shows the world of Narr and areas around Korden's Fall - village where players start the game. Maps panel takes care to display all locations that you have visited so far. It also shows different locations of interest such as inns, god shrines, entrances to dungeons and much more.WellsDuring the travel you will find wells. You can refill your water skins in them. Drinking fresh spring water is good way to refill your faith. Beware however, water skins themselves are rare and wells even more so. Remember where they are, you will need them.
In addition there is also a video showing some non-combat gameplay.
Newsbit options: Add / View Comments (5) | Forward this newsbit | Link to this Newsbit
Information aboutLegends of Dawn
SP/MP: Single-player
Setting: Fantasy
Genre: Action-RPG
Platform: PC
Release: Released


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Dickies Trees are qualified arborists and tree surgeons with 30 years of experience. We specialise in all professional tree services, including tree removal, tree stump grinding, tree lopping and power line clearance. We can also deliver mulch to you, or even prune your trees.
We offer seven day a week service and after hours/emergency call outs. As a major government, shire and business contractor, we are extremely professional and fully insured. We offer you exceptional, reliable service.
Are you a pensioner? Ask about our pensioner discounts!
EMERGENCY: 0423 221 013 (Cameron) or 0413 449 977 (Gary)
EMAIL: email@example.com
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/// A&E Uses Kathy Griffin's Quotes Against Her in Sneaky Emmys Ad
So, two reality shows about sad, crazy people (A&E's Hoarders and Bravo's Kathy Griffin: My Life on the D-List ) are up for the same Emmy Award. But Griffin apparently loves Hoarders , and A&E is sneakily using that against her, featuring complimentary quotes from the comedian in Hoarders ads campaigning for the Emmy. "My favorite new show," Griffin says in the A&E ads. "I'm obsessed with Hoarders ." " Hoarders is so f#*@ing fantastic." Kathy quickly responded with her own Emmy ad that slags A&E for its tactics. "Quoting me in an Emmy ad? Bravo, Hoarders . BRAVO," she says in the ad. Griffin already has two Emmys, so how upset can she really be? No, really, I don't know if she's upset or not—her voice is the same horrible screech regardless of context. Full ads after the jump.
Go here to see the original:
A&E Uses Kathy Griffin's Quotes Against Her in Sneaky Emmys Ad
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Yes, for the most part. Firearm transfers should go through both FFLs because: 1.) For easy transaction and 2.) legal issues.
Most FFLs are knowledgeble about gun laws from different states. They'll clear up any problems to make a smooth transfer.
Trust me, I learned the hard way. A seller in IL, shipped a handgun straight to my FFL. My FFL didn't know what to do since it didn't have the proper paperwork. I ended up selling the gun to my LEO friend, because the FFL dealer didn't want to deal with a handgun that was dropped in his lap.


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The New ADDitude Forums Are Live!Reach our full community by posting to ADDitude's discussion forums here
ADHD in Women
Grad school finals week
Hi friends,
I was diagnosed with ADHD back in October. I'm 33 and in my first semester of grad school in a very intense, very demanding program. I started medication in November and am still figuring out the right drug and dose. Right now I'm taking Adderall XR's but they wear off around dinner time and I need the extra evening coverage. My doc gave me Ritalin to take in the evenings to get me through night classes, studying, and writing papers, but I'm finding the Ritalin makes me more tired, kind of woozy, and nauseated. I'm only taking 5 mgs of Ritalin right now and wondering if I'd need more to get the focus and clear head the Adderall gives me during the day, but I'm afraid it will make me feel even more sick.
I tried Concerta initially before the Adderall, and it did the same thing. The more I took, the more drowsy I felt and as I increased to the maximum dose my doc recommended, I got crushing headaches. It never did anything positive for me. This is my last week of school for the semester and I'm drowning in deadlines and just feel like my brain isn't working. It's frustrating. I'm behind on so many things and trying new meds is almost getting in the way. On the other hand, no meds at all and everything takes me five times longer and I can't process information. I feel like there's no good solution right now. I can't tell if the side-effects of the meds are muddied by normal end-of-semester stress or if I really am reacting badly to the Ritalin. I'm not sure what to do about my evenings. I don't want to take the Ritalin when the Adderall wears off, but I'm useless when I'm unmedicated. I'm tempted to just brew a pot of coffee at 6 p.m. and use that to get me through my evenings.
Anyway, I just needed to vent. When I talk to people in person, I feel like I'm whining and making excuses. Some of my friends think the ADHD itself is an excuse, and others think now that I'm taking meds I should be "all fixed." It's hard to articulate how rough this trial and error period is going with the medication. I keep being told I shouldn't be getting sleepy from Ritalin, and that it's probably a fluke. Maybe it is. I just know I don't feel that way on the Adderall.
Thanks for listening.
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Miss Osage County-
I didn't see your post until after the fact, so I wasn't able to try it out. Thanks for the thought though. I was able to run the race, although I felt like my leg was gonna go on me about a minute into the race, but it never got any worse. In fact, the only thing that felt worse was my absurdly heavy breathing that I'm not used to haha. I surprisingly ran 11:24, which isn't fast, but not too bad I suppose for being 15 lbs heavier. I definitely didn't feel normal though, which is unfortunate. I may attempt a comeback with running at some point in the future, but not right now. I'm interested to see what a long term layoff would do for me, although I suppose if it's a nerve problem it probably won't go away on it's own.


text: Nealio - Unregistered July 29, 2009 9:11 PM Another desperate attempt to add race like action to a spec car series. It's like having the Daddies push off their kids soapbox cars at the start, big whoop! You want excitement? Bring back real racing, different chassis, engines, and tires, free developement and may the best win. And if you can't stand the heat find another game! 5 agree 1 disagree


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2 people shot in Ballard apartment
A man and woman were shot in a Ballard apartment this morning by who is suspected to be the woman's ex-boyfriend, reports the SPD Blotter.
Police officers responded at approximately 1:30 a.m. When they showed up at the apartment, the woman's daughter told the officers that her mother and her mother's "male friend" were shot multiple times. The suspect had already fled. She provided officers with the suspect's name and vehicle information.
The victims sustained critical injuries and were taken to Harborview Medical Center.
Police officers found and arrested the suspect. His vehicle was impounded and a Homicide Unit is investigating further. "We believe this incident is domestic violence in nature," wrote Detective Renee Witt.
We encourage our readers to comment. No registration is required. We ask that you keep your comments free of profanity and keep them civil. They are moderated and objectionable comments will be removed.


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An iconic, American brand with 30 years of nautical heritage and inspiration. Rich in performance, color, and authentic style. Nautica is a leading water-inspired global lifestyle brand including mens, womens and childrens apparel and accessories and a complete home collection. Nautica products are classics that are rich in performance, color and authentic style.
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I need to find myself a dryer/diffuser :) I don't really want to use heat though. Would just using the cool setting speed up my drying a little? I know it would take forever to dry my hair completely with just cool air, but instead of getting it completely dry, I'd be happy if I could just have it a lot less damp when I go outside in the winter. Last winter I'd go to school in the morning with really damp hair (just towel dried).. not fun, we have pretty cold winters :P
What is a good, cheap dryer with a cool setting (preferably not just a cool blast or whatever, an actual cool setting)? One that comes with a diffuser would be great too.
thanks for any advice:)
Here's the dryer I got and it works great plus it is cheap. It says it has three heat settings, but one of those settings is "cool".
I also bought a seperate sock diffuser at Sally's to put on it as well so I can pick what type of diffusing I want.
Now if I had the extra money. I would buy the new deva sun dryer with the diffuser.
I can't afford that one right now, but you better believe as soon as I can save up for it...that baby is mine. :lol:
I read on one of theses threads that you shouldn't dry it on cool you should use heat, but finish off with cool. Something about drying just the outside and the inside stays wet.....heck, I don't remember.......maybe someone does??
Then again, just because someone says that, doesn't mean you must follow it!
ETA: Found it! It is the "Spill the beans" topic about a 'curly gathering' they had in Austin with Lorraine M.
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Ratified by the Board on April 14, 1998
ARTICLE I - Name
The name of this organization shall be the Hampden-Sydney Board of Publications, hereafter referred to as "the Board."
ARTICLE II - Definitions
Section 1. The terms "student Publications" or "Publications" are used hereafter to include all the organizations listed below in Article III.
Section 2. The term "Editor" is used hereafter to indicate the chief elected officer of each organization in Article III, even when, as in the case of WWHS, that is not his official title.
ARTICLE III - Constituent Organizations
Section 1. The Tiger is both the student newspaper and the community newspaper for the academic village. As such, it has the civic responsibility to report on the total life of the community-intellectual, cultural, athletic, social, and spiritual-as well as to reflect accurately responsible student opinion and concerns.
Section 2. The Kaleidoscope is a record through pictures and words of the complete life and all major events of each academic year. It is a valuable and essential historical record of the College and its diverse people. It demands the high level of accuracy and completeness.
Section 3. The Garnet is the showcase for the best student literary and artistic talent. It is obligated to seek the finest poems, short stories, essays, photographs, and other creative work by students. Works by non-student authors, such as community members or alumni, may also be considered.
Section 4. WWHS is both a student radio station and community resource, which should mix entertainment with campus news, responsible student opinion, and broadcasts of special events such as symposia and away athletic events. Programming shall generally reflect the dominant musical tastes of students, but should also expose listeners to a wide variety of musical experiences.
ARTICLE IV - Purpose of the Board
Section 1. This Board is formed to assure that student publications, like all other publications which represent the College, are factually accurate, graphically pleasing, and in conformity to general community and professional standards of decency and good taste.
Section 2. The Board will also assure that its member organizations maintain journalistic integrity, high quality, timeliness of production, and sound financial management.
Section 3. The Board shall endeavor to enhance the learning experience of all students working for member organizations and the positive contribution which member organizations make to the educational process and life of the College.
Section 4. The Board shall hold member organizations to the purposes as stated in Article III.
Section 5. The Board shall elect the stipended officers of member organizations.
Section 6. The Board shall authorize payment of stipends to all officers it elects.
ARTICLE V - Board Membership
Section 1. The members of the Board shall be the editors and the advisors of the Tiger, the Kaleidoscope, the Garnet, and of WWHS. The Director of Public Relations and the Director of Publications shall be members ex officio.
Section 2. Editors shall be elected for a term of one year by the Board.
Section 3. Advisors for the Garnet, the Tiger, and WWHS shall be nominated by the Board and appointed for a term of two years by the President of the College. Advisors for the Kaleidoscope shall be nominated by the Board and appointed by the President of the College for a term to run concurrently with the production of a single issue.
Section 4. Each student publication shall be represented on the Board by its editor and by its advisor. If both positions are not filled, the Board shall not sanction the operation of the organization.
Section 5. Each student member of the Board will have one vote on all questions before the Board. Each advisor will have one-half vote. The ex officio members have no vote, except in case of a tie, when together they share one vote; if only one ex officio member is present he or she may cast the one vote. When amendments to this Constitution or the By-Laws are being proposed, all members will each have one vote.
ARTICLE VI - Board Officers
Section 1. A Chairman and Secretary shall be elected by a majority vote of the Board during its first meeting after new editors have been elected.
Section 2. A Financial Advisor shall be elected by a majority vote of the Board from the two administration representatives during its first meeting after new editors have been elected.
Section 3. The Chairman shall call and preside over meetings, oversee the financial operations of the Board, initiate the payment of stipends, and assure that the duties and decisions of the Board are carried out.
Section 4. The Secretary shall notify all members of meetings and take and preserve the minutes of the meetings.
Section 5. The Financial Advisor shall oversee the finances of the Board and member organizations and is empowered to make financial decisions, including disbursement of funds.
ARTICLE VII - Meetings
Section 1. Regular attendance at Board meetings is an important obligation of each member.
Section 2. Any member of the Board may request that the Chairman call a meeting of the Board.
Section 3. A quorum of the Board shall be present at a meeting for the meeting to be held.
Section 4. A quorum of the Board shall be a majority of the total membership.
ARTICLE VIII - Parliamentary Authority
The parliamentary decisions of the Board shall be based upon Robert's Rules of Order, Revised.
ARTICLE IX - Amendments
Section 1. Amendments to this Constitution may be proposed by any member of the Board and may be adopted by vote of two-thirds of the membership of the Board.
Section 2. Amendments to the By-Laws may be proposed by any member of the Board and may be adopted by a vote of two-thirds of the membership of the Board.
Section 3. Amendments to both the Constitution and By-Laws shall be voted upon during the meeting following the one at which they were proposed.
ARTICLE X - Ratification
The Constitution and By-Laws shall be ratified by a vote of two-thirds of the membership of the Board and upon approval of the President of the College.


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Suzan, TX
- 4 total posts
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- 2 questions
Questions from Suzan, TX
Will my 750cc HP Silicone Unders Look Natural when They Drop and Fluff? (photo)
I Am 5'3 140 Lbs. I had saline unders less than 300cc for 19 years and my revision on 3/5/13 went great. I love them and glad My PS went with the 750cc not 600cc as planned. He... READ MORE
My Revision Surgery Was on 3/5/13...so, Almost One Month Post-op.Will my 750's Drop and Fluff More? (photo)
265cc saline Mentor for 18 years, replaced with Mentor HP silicone cohesive gels. What can I do to remain perky 750cc's while working out or sleeping? Also, will they D&F... READ MORE
Recent comments from Suzan, TX
Very nice! Congratulations on a swift recovery. READ COMMENT
You look great! Nice new photos! READ COMMENT


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"Skunk Roundup: A DC blog about Ska Punk and other local junk is seeking submissions for our "The Showcase" section in our FIRST EVER Zine! The zine is to be released digitally. Basically we are looking for any kind of submission: Art,…"
a place for zinesters - writers and readers
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The Radcliff Woman's Club honored member Julie Aldridge as the 2010 "Woman of the Year" at the Dec. 13 meeting.
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A Lesson in Hope Hardback
by Philip Gulley;
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A Lesson in Hope
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Sam Gardner has been pastor of Hope Friends Meeting for four months when a ninety-eight-year-old member, Olive Charles, passes away and leaves her entire estate--worth close to one million dollars--to the meeting. It's not long before this unexpected windfall creates a storm of conflicting opinions amongst the members of Sam's church as to how the money would be best used. But before the estate is released to the meeting, Olive's estranged niece, Regina Charles, turns up tipsy in Hope and threatens the church with a lawsuit over what she deems her rightful share. Sam soon finds himself in over his head while trying to lead his lively congregation, deal with Regina--and maybe even negotiate a raise.
A Lesson in Hope by Philip Gulley was published by Little, Brown & Company in September 2015. The ISBN for A Lesson in Hope is 9781455519842.
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PLEASE NOTE: It is strongly recommended that you begin the application process well in advance of the deadline to allow enough time for the Graduate and International Admissions Center (GIAC) and the Department of Educational Psychology to process your information. During peak admissions periods there may be a delay of 2-3 weeks for GIAC to complete its review of materials.
Department application deadlines vary by area and program. Check deadlines for your specific area of interest.
After you submit your application and supporting documents, it is important that you monitor the progress of your file by checking both GIAC status check page and the Department's online status check.
- Complete the Apply Texas Application.
- Pay application fee or, if you qualify, submit fee waiver request to GIAC.
- Submit Statement of Purpose (see Admissions Requirements for details). After you have submitted your application you will receive an email (this may take up to 48 hours) that contains a link to GIAC's Status Check web site, where you will be able to upload your Statement of Purpose as a PDF file. (Note: The application fee MUST be paid first in order for you to upload your Statement of Purpose as well as any other application materials.)
- Submit official test score(s) to GIAC.
GRE: The Department requires the GRE General Test including the verbal, quantitative and writing sections. Plan to take the GRE in time to have the results reported to UT Austin before the application deadline. To be considered official, scores must be sent directly from the testing agency. Test scores more than five years old will not be accepted.
TOEFL: International applicants must submit official Test of English as a Foreign Language (TOEFL) scores
The University of Texas at Austin school code is 6882. It is not necessary to also list a Department Code when ordering your scores.
- Submit transcripts to GIAC. There are two methods for submitting your transcript(s):
a. If your college or university is on the Texas Electronic Transcript Network (SPEEDE), you can have your transcript(s) sent electronically. Check with the registrar of your institution to find out if transcripts can be sent via the SPEEDE server. UT does not accept electronic transcripts sent by registrars or third-party entities in any other format, i.e., by mail or by links to secure web sites.
b. You may upload a PDF of your transcript(s) after you have submitted your application for admission and paid the application fee. After you have submitted your application you will receive an email from GIAC that contains a link to their Status Check web site where you will be able to upload your transcript. The uploaded transcript(s) is considered to be unofficial but will be used to process your application for admission. Please do not mail official transcripts or paper copies of your transcripts unless you are offered admission. Sending paper copies of documents you have uploaded will significantly delay the processing of your application. Instructions for uploading transcripts (pdf). Remember, you will not be able to upload transcripts until your application fee is paid. Contact GIAC.
A note about international transcripts:
- If documents are written in a language other than English, complete and official English translations must be uploaded together with the original language records. Each transcript (mark sheet) should contain a complete record of studies at the institution from which it is issued (i.e., the subjects taken and grades [marks] earned in each subject.
- Please do not upload your college or university syllabi with your transcript(s) or mark sheets.
- You must upload a copy of your diploma or degree certificate as part of your transcript. Do not try to upload it as a miscellaneous admission document.
- Three Letters of Recommendation should be submitted online. When completing the "References" section of the online application (ApplyTexas), you will be asked to list the names of your references and their email addresses. Be sure the e-mail address is current and accurate. You will also be asked whether you will be waiving your right to view your letters after they are submitted. Once your application has been received by GIAC, an e-mail will be sent directly to your recommenders with a link that will allow them to complete their recommendation letter online. You may need to follow up with any referee who overlooks submitting a letter for you, as each recommender will receive only one request from GIAC. You will be able to view whether letters have been received, or change/add a recommender, via GIAC's status check page.
- Submit Resume or Vita online as a PDF file using GIAC's status check page. (You must pay the application fee before you can upload your Resume or Vita.)


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Super SONiC
This week on The New Canon, we welcome back composer/clarinetist Derek Bermel and composer Kenji Bunch to talk about the American Composers Orchestra's SONiC: Sounds of a New Century Festival. Join the conversation in the window below or via Twitter with the hashtag #q2new. Want to get a head start? Leave your questions in the comments below and we'll address them at the top of the chat.
The period of 1900-1910 saw an enormous outpouring of compositions, including all of Berg's Jugendlieder, Stravinsky's The Firebird, Prokofiev's Sinfonietta in A major, Strauss's Salome, Schoenberg's Pelleas und Melisande, five Mahler symphonies, Sibelius's Valse Triste, Debussy's La Mer, Ives's The Unanswered Question and Ravel's Shéhérazade (and that's just the tip of the iceberg). One hundred years later and one-tenth of the way through the 21st Century, we're experiencing a similar outpouring of works.
Which is why I hate the term "contemporary classical." Because contemporary is a mercurial term designed to be applied fleetingly without ever sticking. Look at some of the names above and then try to go a week without hearing someone refer to Ives as "contemporary."
Enter SONiC (Sounds of a New Century): A festival celebrating composers under 40 and offering dozens of works all written within the 21st Century. Now that's contemporary—for now, at least. This week, we'll chat with composer and SONiC co-curator Derek Bermel about the genesis of this city-wide takeover of honest-to-goodness living composers, along with one of those featured composers, Kenji Bunch, and ask them both: What will set this century apart from the last?


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Design, development and evaluation of 3D mold inserts using a rapid prototyping technique and powder-sintering process
Yarlagadda, Prasad K. & Wee, Lee Kien (2006) Design, development and evaluation of 3D mold inserts using a rapid prototyping technique and powder-sintering process. International Journal of Production Research, 44(5), pp. 919-938.
In this research work, attempts have been made to design, develop and evaluate the performance of mould inserts for injection moulding by using a powdersintering process. Maraging steel powder, sintering aid and binder are materials used in this proposed development process. Attempts have been made to perform in-depth studies and to apply the powder-sintering process, to eventually produce the final sintered components. In addition, an analysis of the dimensional accuracy of the respective stereolithography master models and an analysis of the sintered specimens during various stages of powder-sintering process have been carried out. The intelligent manufacturing systems (IMS) test part with minor modifications has been used in the evaluation of dimensional accuracy, tolerances, distortion and volumetric variations. The main reason for using this unique geometry is the suitability of its design for injection-moulding processes and tooling.
Impact and interest:
Citation counts are sourced monthly from Scopus and Web of Science® citation databases.
These databases contain citations from different subsets of available publications and different time periods and thus the citation count from each is usually different. Some works are not in either database and no count is displayed. Scopus includes citations from articles published in 1996 onwards, and Web of Science® generally from 1980 onwards.
Citations counts from the Google Scholar™ indexing service can be viewed at the linked Google Scholar™ search.
|ID Code:
|Item Type:
|Journal Article
|Additional Information:
|For more information please refer to the publisher's website (link above) or contact the author: firstname.lastname@example.com
|Rapid prototyping, Rapid tooling, Powder, sintering process, Dimensional accuracy, Injection, moulding process
|Australian and New Zealand Standard Research Classification > ENGINEERING (090000) > MECHANICAL ENGINEERING (091300) > Mechanical Engineering not elsewhere classified (091399)
|Past > QUT Faculties & Divisions > Faculty of Built Environment and Engineering
|Copyright Owner:
|Copyright 2006 Taylor & Francis
|Copyright Statement:
|First published in International Journal of Production Research 44(5):pp. 919-938.
|Deposited On:
|09 Mar 2007 00:00
|Last Modified:
|29 Feb 2012 13:17
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text: Posted January 12, 2009 Now that we are officially in the off-season, here's something that we can do that would really help a lot of folks: get ESPN to fix their frickin' RSS feed for their NFC South coverage. See, if you subscribe to PatY's column in your favorite RSS reader (http://myespn.go.com/blogs/feed?blog=nfcsouth ) you'll see that he hasn't written an article since Oct 19th. But we know that's not true if we go directly to the ESPN blog page (http://myespn.go.com/blogs/nfcsouth ). What's going on? It's because either (a) PatY doesn't know how to format his blog posts correctly, typically by copy-and-pasting funky characters from MS-Word.... or ( ESPN's web folks don't know how to properly format an RSS feed. If you're interested in the technical details, just take a look here: http://feedvalidator.org/check.cgi?url=http%3A%2F%2Fmyespn.go.com%2Fblogs%2Ffeed%3Fblog%3Dnfcsouth Anyway, all I'm asking is for you, the caring Carolina Panther fan who is interested in all things NFC-South related, to do is this: * Tell PatY that he needs to put the smackdown on the ESPN tech folks. You can send him a note here: http://proxy.espn.go.com/chat/mailbagESPN?event_id=21414 * Report the page as having a bug to the ESPN tech folks directly. You can send them a note about it here: http://dynamic.espn.go.com/espn/bugs?url=http%3A//myespn.go.com/blogs/nfcsouth I've been writing in about once a week since November 1st, but I figure if we all could send them messages along the lines of "Please fix your RSS feed for this page", then maybe that would draw some attention to their internal problem, whether it be PatY or the ESPN folks. Who's with me? Let's do this thing! Share this post Link to post Share on other sites


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South African track runner Oscar Pistorius, though not a double amputee — he was born without lower legs — has enjoyed great success competing in that class wearing state-of-the-art carbon-fiber prosthetics. After setting world records in the 100, 200, and 400 meters, he sought to move up in weight class, if you will.
Initially, he was prohibited from competing against able-bodied runners on the grounds that, because they were a little too state-of-the-art, his prosthetics gave him an unfair advantage. (Of course, he was still allowed to crush other double-amputees.) Ultimately, though, he was cleared to compete against all runners. But the unfair-advantage issue is not a closed book. Continue reading


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a place for zinesters - writers and readers
77 members
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I know this isn't zine related but I know a lot of you on here are snail mailers. I've got quite a bit and I just keep it in a box. I wanna figure out an efficient way to store it and keep it in some…Continue
Started this discussion. Last reply by Sarah Ponytail Jan 8, 2013.
Hi Sarah, I am looking forward to seeinh your zine. Please send to:
Thomas A. Marino
1095 Pequot Street
New Bedford, MA 02745
Hey, are you still around here? Do you have the same address? I kind of got distracted by life but I'd still like to be penpals if you're into it!
Hey Sarah,
I'm a shitty penpal and haven't written you a letter yet, but I need your current address. I just bought a book of stamps and am ready to send stuff your way. I enjoyed both your zines and I'll tell you more via snail mail. Talk to you soon.
i apologize writing your question back as a post---the Long Haul computer is old and can't do simple functions like respond on the WMZ messages. Hi snooping people!
So homelessness is a nuanced issue. Primarily it is safe to assume that though we all have a degree of choice in our reality in many cases we don't actually have much choice where we end up. Many factors ensure that people remain poor or worse than poor. If you're old, disabled, have a prison record, a mental issue, are not a white male... your chances of finding suitable work that pays well is really nil. Much of the work pays awful, is demaning and is actual murder of the body and spirit. That is the opportunities available to the poor. In that light it would explain why some people want to be free of the system---autonomous. This perspective may help with your housemates the most since this will be an issue people face on a day to day basis.
The guy complaining may have had an unseen issue to compel his shittiness--but more likely he was angry about other issues and he fell victim to kicking at someone he precieves to be weaker than he is. But for both the customer and the manager the relevant question is if the pan handler was being threatening. If not they need to consider the question of public space. Is a community diverse or isn't it. There's plenty of people i don't like but i recognize their soverinty. Maybe some discussion can be had about life style--like how the neighbor to our info shop is so annoyed by our nights of live music that they started calling the police and city inspectors. I like to think that we live in a dense city where people desire homemade culture.(not everyone is a yuppie with children) The music wasn't too loud and often over before midnite...on weekends. Therefore alittle tolerance is in order. We have other neighbors who would probably want us to do more music(and i always thought when yuppie kids grow up they would end up at our events)---how does their needs get a lobby?
The manager probably has too much to deal with and treats a concern about street people reflexivly. They may not want to expend anymore heart and head in their service industry nightmare to break into the bigger questions of diversity of lifestyles or the dysfunctional reality of capitalism and where its all going. You can simply say to the manager (I am a paying customer) the other customer is wrong. It's a public space and the person outside is not behaving in a way against the law so possibly that the customer is acting as a bully. Maybe if you were wealthy enough, had the presence of mind (you're there with housemates) and had the time to go the extra distance:offer the manager to bring the person in and buy them a drink. Then in some way they too are a customer...but more important they could meet each other and develop a repoire. Then future problems can be dealt with subtly...with possible more benefits down the line. Im thinking the manager could give him extra food and the street person can keep an eye on the store--like graffitti or something.
Community takes more time but it is what ultimately sustains us.
I hope that doesn't miss your beat. I'm fresh from swimming---it will be too cold in a couple weeks. I'm about to work on slingshot #114 and i'm planning to show halloween movies in October. I had one beautiful day this week writing letters. I feel i'm so close to catching up on letters. I was just starting to ache about making money this week but i'm finding so much activity and life that the absence of ($8an hour) makes me feel i can make it go some more.
keep on pushing
By the way i do have my own weird issues about being asked for money. When i was a kid the local punks used to preach about always giving homeless money or treating them as humans. As a young adult i started to learn that people cross the line asking--say it in a way where they expect money-and some other problems. I lear
Hey, just wondering if you have any of your ponytail/pedestrian zines left? I just finished a 24 hour zine for the challenge, but I'm going to tweak and refine it this weekend. Trade?
Hello Sarah,
Being an avid pedestrian/ wanderer myself, I am very interested in trading zines with you. If you want, you can drop by and pick a zine of mine I can send to you. I also like sending little surprises in the post, so I think it'll be fun. Hope you are having a nice day when you get this and I hope to hear from you soon.
GOT OUR SHITTY PONYTAILS TODAY! this is awesome! and we have similar musical taste as well! especially between you and dana. we gave the other copy to our friend ellen, she loved it! hope our zine makes it there safe and sound! let us know!
got your letter!!! it absolutely made my day. you write the kind of letters I love! I'm going to start writing back tomorrow. see you in the mail!! <3
Hi Sarah, I would like to be a pen pal with you via email. I am new to making zines i have a few mast
Tomers but have not printed out any yet. Let me know, take good care.


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Not far from the site where the World Trade Center towers came crashing down, United 93 - the first Hollywood film about the events of 11 September 2001 - has its premiere on Tuesday.
One man who has already seen it is David Beamer, the father of United 93 passenger Todd Beamer - who is thought to have led the counter-attack against the hijackers with the famous phrase: "Let's roll".
Mr Beamer's response was raw and emotional.
"You come out of that movie, and the first thing you've got to do is - if you haven't told a loved one you love them lately, then give them a hug.
"Because we don't know when our last opportunity is to do these good things."
Terrible choices
Paul Greengrass is the British director who set the cameras rolling on the story of the hijacked plane that crashed after a struggle between hijackers and passengers.
"We didn't - we were watching on television, wondering what was going on. They knew. They could see.
"And the choice facing them in that last half was: 'What are we going to do? Do we do something? Do we do nothing? What are the consequences of doing nothing? What are the consequences of doing something?'
"And that is the choice facing us today."
Multiple controversies
The director says his background in politically charged dramas - such as Bloody Sunday, which he wrote and directed, and Omagh, which he co-wrote - was the perfect preparation for a film that was wading into controversial waters.
The film tells the overall picture of 11 September, refracted through the struggle on board flight 93.
It is an - at times - controversial vision of how the authorities on the ground responded to the drama in the skies.
Conservative radio host Rush Limbaugh has already attacked some aspects of the film: "Now, stop and think of this for a second. Can't find the president? It's not possible."
But the real question has not been over the content of the film, but over its timing.
In the run-up to this premiere, United 93 has united the US media in a single cry: "Is the country ready for it?"
Jeff Dishart, a United 747 pilot and aviation industry media consultant who has seen the film - is not convinced.
"Was it necessary? The jury's still out. In its worst expression, this movie was voyeurism and a possibly - if you'll give me the licence - pornographic look at the events. Too intrusive."
But many on the political right here are doing the unthinkable - supporting a Hollywood film made by a liberal director.
They see it as a timely reminder of what the war on terror is all about.
'Ordinary courage'
What probably helped to convince them is the distinct absence of a Hollywood cast.
Paul Greengrass said he had made that choice intentionally.
"If they were portrayed by movie stars you would never feel that essential ordinariness. And if you can't understand that ordinariness, you can't understand the courage."
And - to the director's relief - his vision of ordinary courage has been welcomed by the audience he has been the most anxious to please, the United 93 families.
For David Beamer the debate about timing makes assumptions that are simply not true.
"We replay - in effect - that day in our mind's eye every day since 11 September," he said.
"There's no passage of time for us that would say: 'Later on would be better, would be less disruptive, wouldn't hurt.'"
For the families, then, the film could be part of the healing process - but what remains to be seen is if the wider US movie-going public wants cinema as catharsis.


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There are two bus companies in Hull, East Yorkshire Buses and Stagecoach; both of which offer routes to get you around the city and close to all major Hull attractions. Bus routes and maps can be downloaded from the Hull council website.
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"Unfortunately, I am part of the cause for him spamming threads with his hatred.."<quoted text>
Unfortunately, I am part of the cause for him spamming threads with his hatred. I have offered the olive branch and he spit in my face. I apologized and he stomped on the words. So I have vacillated between completely ignoring it and responding to it. Neither seems to work,I will continue to ignore him, only because then, there will be fewer of his posts repeated. He has been banned at least twice, he was observadum and then annie muk, now he is horse manure. Topix does remove vile hateful posters eventually.Until they ban it again, we have to endure his garbage. I am a firm believer in free speech, even it has the right to spew it's hatred on here, until it crosses the line and advocates death to someone, or encourages someone commit suicide as it has done in the past.
Unfortunately, some posters cannot leave trolls like it alone, they seem to derive a great deal of pleasure from being just as vile and hateful as the trolls. So we will never get everyone to shun them.
You always been the cause, teresa.


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/// Sorry I Got Caught
November 1, 2012 | All Things Digital
I wish to offer the people of New York a sincere, humble and unconditional apology. –Shashank Tripathi, a.k.a. @ComfortablySmug, apologizing for trolling his Twitter followers with inaccurate posts about Hurricane Sandy
Sorry I Got Caught
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TB-causing bacteria appear to mask their identity to avoid recognition by infection-killing cells in the upper airways. The bacteria call up more permissive white blood cells in the deeper regions of the lungs and hitch a ride inside them to get into the host's body.
These findings are reported Dec. 16 in the advanced online edition of the journal Nature. The research was a collaboration between the University of Washington and the Seattle Biomedical Research Institute.
Dr. Lalita Ramakrishan, who studies how TB evades the body's immune system and manipulates the body's defenses for its own ends, is the senior author. She is a UW professor of microbiology, medicine and immunology. The lead author is C.J. Cambier of the UW Department of Immunology.
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Thursday, June 17, 1999 Published at 06:36 GMT 07:36 UK
World: Europe
Coca-Cola 'regrets' contamination
Millions of bottles and cans go back to the warehouse
Coca-Cola says it regrets the recent problems experienced by its European customers, and pledged to take "all necessary steps" to guarantee the safety of its products.
The statement was made by the company's chairman and CEO, Douglas Ivester, in a statement on Wednesday.
"For 113 years our success has been based on the trust that consumers have in that quality. That trust is sacred to us," Ivester said.
His statement came after four European countries - Belgium, France, the Netherlands and Luxembourg - started taking Coca-Cola soft drinks off their shelves Monday and Tuesday.
Two states in Germany said on Wednesday that they were conducting spot tests on Coca-Cola products.
On Wednesday Belgium's health ministry said it was deciding whether to lift a sales ban on Coca-Cola products.
Health ministry officials were waiting for a full report from the company on how dozens of Coke drinkers fell ill.
In the meantime, the French authorities suspended the sale of all canned drinks manufactured by the Coca-Cola company.
Announcing the decision, the French Junior Commerce Minister, Marylise Lebranchu, said France was not satisfied with Coca-Cola's explanations for the recent health scare in Belgium.
Risk list
A list of suspect drinks produced by the company has been issued to European Union countries by the commission.
The EU Commission's approach
A spokesman for the European Commission said he believed the problem was mainly confined to Belgium and the company's bottling plants there, but France and the Netherlands may have received some exports.
He said the commission saw no need to take further immediate action.
The latest sales ban came as Belgium was still reeling from a food scare linked to the contamination of meat and eggs by the cancer-causing chemical, dioxin.
That led the government to ban sales of chicken, pork, beef, eggs and meat products.
Coca-Cola has been active in Belgium for 70 years. It has large bottling operations in Antwerp and Ghent.


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People march on Wall Street-Media Blackout
View Single Post
October 7th, 2011, 03:06 PM
Mr. Special Snowflake.
Join Date: 11-05-05
Location: Inkster, MI
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Originally Posted by
HAHA! I dont even want to elaborate because it sounds so nutjob when I actually say it!!
Based on the reading I have done, and what I have heard from others, I firmly believe that the "occupy wallstreet" movement .....
I cant do it!!! It makes sense to me and I am preparing myself and my family for some extremely hard times. We are reaching a turning point in the US where we are either going to turn around and start heading back to a society based on laws and equal justice, or we are going to a full blown Democracy. I intend to try to avert the path to the latter via the non violent system that was put in place, but do not rule out that this country is heading down the path of another civil war.
Prepare for the worst and hope for the best.
We're talking about the same thing. Your civil war is my class warfare. It's the "haves" against the "have nots". Those that are doing well under the current systems don't want to change it. Those that aren't doing well do want to change it. The trend is that there are fewer of the former, and more of the latter. Once the latter becomes the majority change will become more likely.
Regardless if the movement started as a grassroots movement it claims, or if it's part of some type of sinister plot to start some type of revolution, people will only join it if they believe it will lead to a better life. Telling people that are poor or unemployed that it's their own fault they have no money or jobs only helps push them to the other side. It helps them believe that the current system just isn't working for them, that those in charge don't care about them. It only pushes us closer to the edge.
My hope, and I think the only hope, is that those who are benefiting from the current system and want to keep it realize that they may have to give a little. They have to appease the masses. Not out of charity, not for moral reasons, not out of fairness, but for self preservation.
Once again, pigs get fat, hogs get slaughtered.
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Rarely do we have the chance to see an accident coming. Colorado Springs auto accidents often come out of nowhere, blindsiding us, and leaving us disorientated and confused. On occasion you'll see a car driving erratically or careening out of control, but unfortunately you still may not have time to avoid a devastating collision.
On Saturday, two women were in a pickup truck driving along Constitution Avenue when they saw an oncoming car swerving in and out of their lane. The erratic driving of the approaching car was too difficult to predict, and despite the efforts of the woman driving the truck, the two vehicles collided head-on. The driver of the car, along with their passenger, was left with left-threatening injuries. The two women in the pickup were also seriously injured in the accident.
The family of the driver of the pickup recall what it was like passing the accident site as they headed to the hospital. "Once we got pretty close [to the accident scene] we saw [the truck] was my aunt's and it didn't look good at all. Thank God they were wearing their seat belts… they're doing ok, they're strong, they'll do [well] and I just hope for the best for the other people." We join then in hoping for a swift recovery for everyone involved.
An investigation into the Springs wreck will continue as authorities seek to determine if alcohol or drugs were a factor.
Personal Injury Lawyers in Colorado Springs
Auto accidents affect everyone involved, especially when there are injuries. But along with the physical pain comes incredible expenses that can be equally as stressful. The Colorado Springs accident attorneys at Heuser & Heuser know the hardships that follow an injury accident. Let them worry about fighting to get you the money you deserve, so you can focus on your recovery. Contact Heuser & Heuser and get a free legal consultation on your Colorado Springs injury claim today.
Source. KRDO.com, 'http://www.krdo.com/news/Four-Hurt-in-Head-On-Crash/-/417220/18201508/-/vccnscz/-/index.html,' January 19, 2013.
Source. KKTV.com, 'http://www.kktv.com/home/headlines/Head-On-Crash-Sends-Four-To-Hospital-187627361.html,' January 20, 2013.


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Click on a thumbnail to go to Google Books.
The Modern Magi: A Christmas Fable (edition 1998)
by Carol Lynn Pearson
Work details
The Modern Magi: A Christmas Fable by Carol Lynn Pearson
No current Talk conversations about this book.
This short Christmas book is one of my all-time favorites. I highly recommend this story for Christmas-time reading.
References to this work on external resources.
Wikipedia in English
Amazon.com Product Description (ISBN 0312193009, Hardcover)From the author of the bestselling "A Stranger for Christmas". All her life, Annabelle Perkins has dreamed of traveling to Bethlehem and bringing a gift to the birthplace of Jesus. But when it finally happens, what actually occurs is not what Annabelle expects.
(retrieved from Amazon Thu, 12 Mar 2015 18:17:27 -0400)
For three years waitress Annabelle Perkins works overtime to save for a trip to the Holy Land, only to give her money at the last moment to needy people. Now, too old to work overtime, she must accept her dream will not come true--until a miracle occurs.… (more)
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a friend took us in and we loved it. excellent service, friendly, informative
Love it there
The spa and boutique there are wonderful. I now have three dogs all of which attend daycare and get pampered by the spa staff. I think my dogs have just about one of everything in the boutique(and the boutique sure does have a lot!!!!!) I encourage anyone who does not know about this spot, stop in and check it out. The folks there are incredibly friendly. There are usually events going on every weekend, too! Many of which are free to attend or beneift the MSPCA Animal Care and Adoption Center. (NOTE: the address is actually 400 Tremont ST, Boston, not the address listed)posted: February 22nd, 2007


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Across the nation, states under the thumb of oppressive debt look to new revenue streams to help assuage the need to raise taxes.
This year, legislators in Illinois and Georgia introduced controversial bills directing the states to consider selling lottery tickets online. No state in the union currently allows purchasing lottery tickets on the Internet, but the issue has been brought before the federal government on two occasions. Neither motion made it out of congressional committees.
The notion of selling lottery tickets online appears simple. In reality, anti-gambling activists, children's advocates, and a vague, 40-year-old federal law raise questions about the proposition's feasibility and legality.
The Bills
In the Georgia General Assembly, Rep. Terry Barnard, R-Glennville, introduced HB 346, which merely calls for the state to investigate selling lottery tickets online. The Illinois legislation, in contrast, mandates a pilot to test whether it will work. Both states are trying to determine if it's legal.
The legal question stems from the Federal Interstate Wire Act. Passed in 1961, the Wire Act bans the use of any "wire communication facility for the transmission in interstate or foreign commerce of bets or wagers or information assisting in the placement of bets or wagers on any sporting event or contest."
Advocates of online lottery ticket sales contend that the Wire Act pertains only to sports betting. Opponents, including some in the U.S. Department of Justice, believe the act applies to modern Internet communications, thus disallowing states from selling lottery tickets over the Internet.
"I had my Attorney General's Office take a look at the issue earlier in the year, and they're reporting that it's really unsettled," said Barnard. "It's unclear if Congress can regulate the Internet. Even though I think the Justice Department may take a broad look at the Wire Act, there is case law that agrees it pertains only to sporting events."
Barnard explained that his legislation is still preliminary. "The legislation is pretty narrow the way it's written," he said. "We're trying to devise a way to offer online access to residents of Georgia only. Obviously there are still a lot of questions out there as to interstate commerce and so forth. We're trying to develop a strategy so we might be able to offer residents the opportunity to purchase tickets online."
In the Illinois General Assembly, Sen. John Cullerton, D-Chicago, introduced SB 0198.
The Illinois legislation heads down a different path -- backers want to skip the consideration phase and move directly to testing. Cullerton said his intent is to motivate the Illinois Lottery and the state Department of Revenue to action.
"We would require the lottery department to do a pilot," Cullerton explained. "They don't actually need authorization. Under current Illinois law, they could do it right now. But they haven't, so we're kind of pushing them to do it with this bill."
Courtney Hill, Illinois Lottery spokesman, said his department was unable to comment on any details regarding the pilot.
Meanwhile, Cullerton said he wrote the legislation in broad terms to avoid micromanaging the Department of Revenue. "What I would recommend to [the Department of Revenue] is to have Internet sales limited to people from Illinois over 18, of course," said Cullerton. "That would be enforced because the only way to redeem any winnings would be in person."
Verification before or after play would restrict out-of-state play. Under Barnard's plan, a player in Georgia would have age and residency requirements verified before purchasing a ticket online.
"You would have to go to a retailer to get your authorization to play," Barnard explained. He said a player would register with a retailer and be given a code or PIN. The player would then be registered in a state database. "There


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Rishikesh, Oct 01, 2007: Rishikesh in Utrakhand has emerged as an international centre for producing Didregidoos or musical instruments, which are largely used abroad.
The Hindu pilgrimage destination is gaining popularity for Mukesh Dhiman's handmade musical instruments. Dhiman, a self taught maker of unusual musical instruments, runs a workshop called Jungle Vibes that is visited regularly by foreign tourists and music enthusiasts.
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"I don't think she should be here. I think she should play in the women's tournaments because they don't let the men play in women's tournaments. I just don't agree with that, but it's not my call. She qualified and she is going by the rules. She's here and she is a great player. I've got nothing against that."
Related quotes
"Life is like a game of cards ,how you play your cards will determine weather you make it to the next round.Gary F Evans."
"Too often we ask God to throw off our chains while he looks back with a smiling chuckle of love telling us to just let go so we don't fly away with them when he does."
"In Dixie Youth, everybody plays no matter what, ... You play tournament ball, and you don't. I really think kids realize that and know they've got to get better. In Dixie Youth, there's really no incentive to bust your butt, work hard and get better. You're going to play no matter what. I don't disagree with that, but I do think a kid needs to realize 'I'm not as good as Joe, so I need to get better.'"
"I think all 12 teams in this tournament are capable of playing in the NCAA tournament and doing well in the NCAA tournament. That is incredibly rare."
"He's our leader. He's playing better and better as the tournament goes on and I think he's got one more good game in him."
"Every tournament we played in (since the last Olympics) felt like we had to make up for something. I think it's good that we're going to be over here (playing in North America) and we don't see the papers back home. I don't know what they are writing, but I know they are talking a lot about the history and they really want the best for the nation now. We've got a good team. We have a big shot (at the Olympics), but as I said, there are a lot of good nations out there."


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In looking for new ideas for fun activities to do with Johann, I saw a wooden frame with pegs and string in Magic Cabin catalog. You weave finds like pinecones and leaves in between the string wound around the pegs. When you're done, you have your own unique nature collage. It made me think of the wall collage the single, artist mother and her son made on their living room wall in the Walt Disney movie Man of the House, but on a smaller scale. That was something we had room for!
And it's the perfect summer project for us. We've always gone on "nature walks". We have amassed a large collection of pressed leaves, drift wood, shells, rocks, pinecones, seed pods, dried flowers, and moss and lichen-covered tree bark over the years. We have done numerous craft projects. One of Johann's school projects was to create his own natural history museum and catalog everything. We're still working on that. This was just a new means of continuing what we've always done: gone out on walks and foraged for treasures. Plus with this activity we will have a new piece of art to hang on the wall at the same time.
When I went to order the kit, they were sold out. So I decided to make our own. We found all the materials at different stores. Eric pre-drilled the holes for us, after I measured it out and marked the frame. Johann helped me screw in all the wooden knobs. After I wrapped the twine around the pegs, we were ready to go.
I'm not sure why I was worried we would have a hard time filling the frame with items we found on the ground while walking our usual treks. We have only gone on about half a dozen walks since putting the frame together, plus we have spotted things in our garden or around town we wanted to include in our collage, and the frame already looks full. We'll see how packed it gets by the end of the summer!


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Brittni over at Paper+Stitch sent me the lovely work of A Alicia, and I'm so happy she did! These handmade corsages would make great gifts, or as Brittni suggested, used to decorate your bouquet! I just love cascading flowers, don't you?
The survey is staying up an extra day, so winner will be announced tomorrow!
[images from A Alicia]


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If you try something new, you might really enjoy it, even if it's filling balloons with Hot Wheels and throwing them off a bridge to see if they'll float. Try some Indian fare for lunch with this Groupon.
The Deal
- For $15, you get three Groupons, each good for one lunch buffet (a $36 value)
- For $15, you get $30 toward dinner for tables of two or more
- For $28, you get $60 toward dinner for tables of four or more
The lunch buffet takes place from 11:30 a.m. to 2:30 p.m everyday.
Cafe Nirvana
The kitchen staff at Cafe Nirvana fuses together southern and northern Indian specialties, from tandoor chicken tikka cooked in a traditional clay overn to cottage cheese simmered in spicy sauce. The menu changes regularly, and it features vegetarian options.
Customer Reviews
15025 Lancaster Highway
Ste D8
Charlotte, NC 28277
+17047523556Get Directions


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Global shipping is showing signs of recovery. Current long-term charter rates today allow for profitable employment of shipping assets with strong counterparties. In our view, yield-oriented maritime asset investments offer a unique combination of benefits: attractive total return potential, the inflation protection of real assets, low correlation to financial and other real assets, and a premium yield in an otherwise income-starved environment.
With interest rates at or near all-time lows across the developed world, and an increasingly uncertain equity market, consistent and dependable yield has become the holy grail of both retail and institutional investors. This quest is likely to drive investors to markets they may not have considered in the past.
The rise of new yield-oriented investment vehicles has been a notable characteristic of the post-global financial crisis landscape. However, in the sea of alternative investing, the island left largely unexplored remains the maritime industry. Investing in maritime assets is an area where we anticipate increased popularity, based on the premise that such investments offer a new avenue for obtaining scarce higher-yield-oriented returns. Ships—like buildings, pipelines and toll roads—can provide a visible, reliable and consistent stream of income. We believe, when risk can be effectively managed, a maritime strategy is capable of generating an attractive relative return vs. other financial and real assets.
A yield-oriented maritime strategy, employing diversified and long-term charters to creditworthy counterparties, can provide income in excess of other yield-oriented alternative strategies, such as infrastructure and real estate (Exhibit 1). This premium extends to more mainstream financial assets, such as equities, fixed income, REITs and master limited partnerships (MLPs). It is worth noting that maritime investments have the added benefit of being nearly all U.S. dollar denominated, decreasing foreign exchange risk.
In addition, we believe the maritime sector offers distinct advantages over the fixed income market, especially in a rising rate environment. Unlike bonds, which typically underperform in rising interest rate and inflationary environments, the maritime sector is positively correlated to inflation. In fact, given shipping's vital role in the global economy, we would expect underlying vessel asset values to improve in an economic-growth-driven rising interest rate environment.
Rising tides? Interest rates and inflation
While we are not predicting future interest rates or fixed income performance, we do believe that the relatively high duration of fixed income investments, as evidenced by the Barclays Global Aggregate Index, accompanied by ongoing low yields, may eventually become a tough challenge for fixed income investors. There is very little yield cushion in bond prices if interest rates eventually rise from historical lows (Exhibit 2). As investors look for a long-term yield and/or fixed income substitute, it is worth noting that maritime assets do not have the same directional interest rate sensitivity as bonds. In fact, even in moderately inflationary environments, long-term maritime returns have outperformed other investment alternatives.
The maritime industry is the workhorse of the global economy. Seaborne trade amounted to approximately 50 trillion ton-miles in 2013 and has averaged over 6.5% growth per annum since 2001, exceeding average global GDP growth of 4.0% over the same period. Roughly $1.8 trillion has been invested in new vessels over the past 20 years, a figure Clarksons, one of the world's leading ship brokers, anticipates will double within the next decade due to replacement of current vessels as well as expansion of the global fleet.
Shipping, while not as visible as real estate, arguably plays a greater role in modern life. The global maritime industry moves 90% of world trade. For example: sneakers from factories in Vietnam to joggers in the U.S.; cell phones from assembly plants in China to consumers in Europe; soybeans and wheat from the U.S. to noodle makers in China. Even these basic examples fail to reflect the full depth and complexity of maritime networks. A commuter's everyday automobile, for instance, is typically an import from many different geographies—steel smelted in Japan with coking coal mined in Canada and iron ore sourced in Australia or Brazil. So even a new "domestic" car may have travelled tens of thousands of miles before it leaves the showroom.
The map in Exhibit 3 illustrates some of the world's myriad shipping lanes, giving a sense of some of the variety of trade routes that exist across the three main shipping sectors: bulkers, tankers and containerships. In addition, the exhibit provides a break-down of some of the main cargoes moved by these ships.
Like real estate and infrastructure, maritime assets—most often ships—are typically long-lived, with an average useful life of 25 to 30 years. They are employed in numerous global industries by a wide variety of end users of diverse credit quality. There are also multiple employment opportunities and structures that offer a variety of options regarding duration of employment and consistency of revenue (see "A primer on ships for hire,"). Vessels also come in a wide range of sizes and ages, and there can be differences in construction quality based on a vessel's yard of build as well as ongoing maintenance.Just as no real estate investor would assume that all buildings are created equal, different vessels combine divergent qualitative and quantitative variables, which can impact risk and return profiles. Nevertheless, while ships vary by sector, carrying capacity, demand fundamentals, yard of build and maintenance record, they do enjoy a degree of homogeneity among specific vessel sizes, allowing for price transparency within size categories. Exhibit 4 (next page) breaks down the global fleet by tonnage.
A closer look at the recent maritime cycle: Choppy waters
We see an attractive entry point today for maritime investments. Few major global industries experience the same peak-to-trough variation as the maritime industry. Later in this paper we will talk about how to hedge the extremes with time charters and counterparty selection, but it is maritime's volatility that often creates opportunity for investors. Exhibit 5 charts the past 10 years of performance of the Baltic Exchange Dry Index (the benchmark for dry bulk shipping rates); average earnings for five-year-old VLCCs (VLCCs, or very large crude carriers, are the largest crude oil tankers); and the Clarksons average containership earnings index. These data series all tell very similar stories, with peak-to-trough movement of greater than 94%, 99%, and 85%, respectively. Rates soared in 2007–08 and sank in the aftermath of the global financial crisis, underscoring the cyclical nature of the industry. Rate recovery has been inconsistent, with only modest gains, on average, though real fundamental improvement appears to be taking hold in some sectors.
Exhibit 6 tells a parallel story for asset values across the maritime sector for this 10-year period. The prices of five-year-old Capesize dry bulk vessels1 (the largest dry bulk ships), five-year-old VLCCs and five-year-old post-Panamax containerships2 fell 79%, 67%, and 63%, respectively peak to trough. The subsequent rebound in dry bulk and tanker values has been encouraging, but prices still lag their 10-year averages by 25% and 22%. Containership values have not rebounded to that extent and remain generally depressed.
Navigating vessel employment options
Like a real estate owner, a ship owner has to toggle the length of a "lease"—which in shipping corresponds to a charter—and counterparty credit quality to generate desired risk-adjusted returns. Charters vary in length from short-term spot market employment, measured in weeks or months, to longer-term period charters, typically measured in years. Spot market charters can drive maximum profits in a strong market but leave a vessel exposed to market volatility, given their short duration. Period charters (such as time charters and bareboat charters) bring a measure of stability to the table. Large end users, such as oil conglomerates, major mining companies and global commodity traders, that have visibility into their future transportation needs can insulate themselves from the gyrations of the market through longer-term contracts.
Ship owners, for their part, ensure a vessel's employment, lock in a predictable cash flow and earn steady income, assuming they purchased the vessel at a price that allows for sustained profitability (that is, the operating expenses of the vessel, plus financing costs, do not exceed the charter hire) and have chartered the ship to a creditworthy counterparty. Because charter contracts can transfer with ownership, they support asset values in a down market (or limit the upside on asset values in a rising market).
As with real estate leases, period charters can extend to five years or 10 years and in some cases can cover the 25- to 30-year economic life of a ship.3 Credit quality grows in importance as the length of the charter increases. It can also have an impact on rates, depending on market conditions. Investment grade counterparties can often garner more favorable terms—especially in a tepid market. In many cases, the yield that period charters achieve can far exceed that realized for fixed income securities issued by the very same counterparty. While there are arguably more risks assumed in the operation of a vessel than in buying a bond or making a loan to a corporate entity, experienced vessel operators and careful counterparty selection can help mitigate these risks.
Voyage Charter (Spot Market): Contract typically for single voyage. Owner is paid based on tons of cargo carried from loading to discharge port and is responsible for voyage expenses (fuel costs and port fees) and vessel operating expenses (such as crewing, repairs and maintenance, insurance, stores and provisions, etc.). Charterer typically is responsible for any port delays ("demurrage") but not for off-hire days. Spot market charters move fluidly with market demand and can vary widely by route, vessel type and age. Greatest degree of volatility.
Time Charter: Contract for a pre-defined period of time, typically one year or longer. Owner is paid an agreed-upon dollars-per-day rate for length of contract. Owner is responsible for vessel operating expenses, while charterer is responsible for voyage expenses. Charterer determines vessel's commercial management (where it operates). Rates for short- to medium-term time charters vary with the spot market, but are somewhat insulated from short-term factors. Longer time charters typically do not carry the same degree of spot market fluctuation risk as voyage charters, but do carry greater counterparty risk.
Bareboat Charter: Similar to a time charter, but charterer pays all vessel operating expenses in addition to voyage expenses. Structure is similar to a triple net lease in real estate, thus eliminating the lessor's operating risk. Bareboat charters are typically quoted in dollars per day and equate to time charter rates, less operating expenses. This employment type reduces the owner's involvement to a more passive role and is often viewed as a financing vehicle. Generally, these are long-term arrangements, often spanning the useful life of the vessel.
|Voyage charter (spot)
|Time charter
|Bareboat charter
|Typical contract length
|Single voyage
|One year or more
|One year or more
|Hire rate basisa
|Voyage expensesb
|Ship owner pays
|Charterer pays
|Charterer pays
|Vessel operating expensesc
|Ship owner pays
|Ship owner pays
|Charterer pays
|Charterer does not pay
|Ship owner pays
|Charterer pays
a "Hire rate" refers to the basic payment from the customer for the use of the vessel.
b Voyage expenses are all expenses unique to a voyage, including fuel costs, port fees, cargo loading and unloading expenses, etc.
c Vessel operating expenses include crewing, repairs and maintenance, insurance, stores, lube oils, communication expenses, etc.
d "Off-hire" refers to the time a vessel is not available for service.
Charting today's course: The upside of a down market
Unlike a normal yield curve in the fixed income market, where longer-maturity bonds have a higher yield than shorter-maturity bonds, in the strong pre-crisis shipping market prices for longer-term charters fell below the spot market rates, resulting in a downward-sloping curve. Further out in time, ship owners were willing to accept reduced rates to lock in revenues. In this scenario, a five-year charter generated lower average revenues than a three-year charter, which in turn generated a lower rate than a one-year charter (Exhibit 7). This discount was driven in part by the notion that, over time, rates eventually experience mean reversion as supply and demand comes into balance.
Conversely, in a depressed market like that of the past several years, the curve can be inverted and slope upward. If rates are expected to rise, shippers are willing to pay a premium in order to lock in low shipping rates, and ship owners will require higher compensation to forgo revenue opportunities in a recovering environment. With spot rates across market sectors generally below 10-year averages today, we are seeing a curve inversion in charter rates (Exhibit 8).
Exhibit 9 illustrates this point by tracking the average Capesize rate curve in the strong pre-crisis dry bulk market vs. the average post-crisis rate curve. The pre-crisis curve exhibited what we would expect from a capacity-constrained shipping market. Charter rates dropped during the 2004–07 period as charter lengths extended. In contrast, in the current market rates are moving upward along the curve from spot rates to five-year time charters.
The wind in our sails: Income and appreciation potential
The current environment presents a twofold opportunity. Low historical asset values, together with firming charter rates, create the potential for yields above those in other asset classes. At the same time, a recovering market opens the possibility of enhanced residual value. We believe an income-driven approach can work well in the present phase of the maritime cycle. While asset values have yet to return to their historical mean, they have moved off the bottom (see Exhibit 6). Meanwhile, rates in the spot market have fluctuated between profitable and unprofitable levels across sectors (depending on underlying basis and financial leverage). However, longer-term period charters have remained at much more robust levels of profitability (albeit with varying degrees of availability in the market) and have helped support asset values. As a result, we believe that by employing an asset on a long-term charter today we can achieve rates that, on average, discount a higher degree of industry recovery than spot rates. Such a strategy can participate in the improvements achieved in asset values, while simultaneously generating the sustainable yields seen in Exhibit 1.
We are often asked why customers would look to do these types of long-term employment agreements. The answer is relatively simple. For large end users such as oil conglomerates, global commodity traders and major mining companies, these vessels are the essential link between a company's product and market. These companies have visibility into their future transportation needs, and as a result, they seek to fill a portion of those needs in advance and to appropriately size their market exposure. Like a ship owner, they, too, seek to insulate themselves from the gyrations of the market. In addition, for most of these companies, shipping is not a core competency. Therefore, their human and financial capital is better spent elsewhere.
Cross currents: Maritime exhibits low correlations vs. other assets
One of the advantages of a maritime investment is its relatively low correlation to financial and other real assets. This quality can be further refined, for those seeking consistent yield, through the revenue stability offered by an income-oriented shipping strategy that employs long-term charters. Exhibit 10 shows a correlation matrix comparing global maritime asset returns with equity, fixed income and real- asset index returns over the past 15 years (1999–2013). The first column lists correlations with maritime returns for a spot- oriented strategy. The correlations are generally low vs. other income-oriented and real assets, and the historical return during this period is second only to that of MLPs, which outperformed maritime by merely 30 basis points. The second column's long-term global maritime strategy, which employs assets on three-year fixed charter rates, forces correlations even lower. Despite offering less total return over the same 15-year period, the stable charter revenue stream drives more favorable correlations and adds portfolio diversification.
The annual maritime assets total return series is derived from the Clarksons Research historical data for the bulker, tanker and containership maritime sub-sectors. The sub-sector allocations used to calculate the maritime asset returns are as follows: 33% tankers, 35% bulkers and 32% containerships, in order to approximate the exposures of a world fleet investment strategy. For the purposes of developing a proxy for an income-oriented maritime strategy, each annual return figure assumes a five-year investment hold period and uses beginning-of-period (January) three-year base ship time charter rates over the investment period.
For example, the 1994 total return assumes December 1989 month-end five-year-old base ship second-hand sales price as the purchase price and the December 1994 month-end 10-year-old base ship secondhand sales price as the exit price. Each month over this investment period, the Ebitda is calculated based on revenue from the three-year time charter rate determined at the beginning of the investment period (January 1990 in this example), 2.5%–5% charter commission expenses and market-reported monthly operating expenses. This Ebitda provides for the monthly cash flows over the assumed life of the investment. The total return is calculated using the respective purchase prices, exit values and monthly cash flows for bulkers, tankers and containerships separately.
Shipshape: Taking it apart to put it together
In Exhibit 11 we disaggregate the total return components for a five-year-hold maritime strategy. Here we have broken out 20-plus years of yield and asset price movements into their distinct components, which together make up total return. The long-term average yield comes in at 10.5%, bolstering our argument for an income-oriented maritime investment. With asset values currently low and on an upward-sloping rate curve, we believe an attractive entry point exists for this type of strategy. Looking back at the return components over the past two decades, we can see this strategy has generated solid and relatively stable income. Additionally, the average impact of depreciation on total return throughout the period below is relatively neutral.
Ending our voyage
Despite being a very old industry, maritime is a new and exciting asset class for institutional investors. With a search for income in a low interest rate environment as our starting point, we have examined how long-term maritime charters are capable of generating better yields than other real and financial assets. They offer inflation protection not available in conventional fixed income investments, and low correlations insulate maritime when contrasted with other income- generating strategies. Finally, low historical asset values afford the prospect of relative asset value appreciation in a future recovery. We believe maritime ticks the boxes investors are looking for and can provide the income they need (Exhibit 13).
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1 Ships that have to travel between Europe and Asia around Africa's Cape of Good Hope because they are too large to traverse the Suez Canal.
2 The largest vessels that can pass through the Panama Canal
3 In a worst-case scenario, an investor can always rely on the versatility of the vessel's employment alternatives. If a charter does not perform, the ship owner may re-charter the vessel at the prevailing rate, which may, of course, differ, either positively or negatively, from the charter rate at inception.