text:
First, I'd like to start by saying I was previously and originally a Sirius subscriber since 2005 and finally cancelled my subscription in May 2011. I have never written a review on a product or service, but this time I'm so dissatisfied that I'm compelled to write a review. If this review does not turn you away from the service, then it has to be assumed that you are someone who needs to learn from experience.
I knew something was smelly about the merger/acquisition in 2008. I even called to voice my opinion, knowing that it probably wouldn't matter, but the prospect of another monopoly in the USA was, and still is, disgusting to me. They told me that the hotline provided for the voicing of opinions about the merger/acquisition was for shareholders only. No, I was never a shareholder, but I was a subscriber.
Without people like me, there would be no shareholders, yet my opinion doesn't count for anything. I welcome you to corporate America where the sole goal of a corporation is not customer satisfaction, but to satisfy its shareholders. What that means is turn the biggest profit margin possible without upsetting a majority of customers, yet now the merger/acquisition of Sirius and XM gave the emerging company a monopoly over satellite radio which all Americans should be against. A capitalist economy runs on pure competition, not monopolization of an industry.
Now the company is going through a lawsuit; surprise! The lawsuit against the company is because they raised subscription rates after the merger/acquisition even though part of that deal was an agreement NOT to raise subscription rates. Is that smelly enough for you? If not, continue reading about my personal experience.
So, in May 2011 I called to cancel my subscription to Sirius XM satellite radio. I was at work on lunch break, but I still had a half-hour left, so I decided to go ahead and quickly cancel my account. You should note this from my experience, that you cannot cancel your account through any other means than the phone. Like other reviewers have stated, you can set up your Sirius XM account in 5 minutes online, but cannot cancel it the same way. Ridiculous!
On this lunch break, the first time I called, they needed to transfer me to accounts. No big deal, a normal thing. After waiting on hold for about 5 minutes, a nice woman answered and began to assist me with my cancellation. She took my information and put me on hold to verify the information. While on hold my call was disconnected. The frustrating part is that when calling back, you have to go through the exact same process of being transferred to accounts and put on hold, etc.
I call again and get a man in accounts to whom I explained I was on my lunch break and running out of time because of the previous disconnection and the combined hold times of the two phone calls now. He rudely responded with "maybe you should call back when you have more time," and then somehow the call was dropped. I'll let you figure that one out. A third call finally got me somewhere, I thought.
Today, July 9, 2011, I get a phone call from Sirius XM radio asking me how everything is and wanting to update my account information. I told him that I canceled and he sounded surprised. I verified my information with him and he said that my account was past due. OK, now I'm just angry. The auto-bill could not withdraw the payment which is why they wanted me to update my information. If you're thinking that they automatically set you up on auto-bill upon subscription by default, then you're thinking right. Of course they have the right to because they put it in the fine print of the agreement terms. Fortunately for me, they could not auto-bill my credit card because it was closed.
Anyhow, he put me through to accounts because he can see that there were notes from May explaining that I wanted to cancel the account because I no longer had the radio. Just like before, while on hold, my call got disconnected. It's really a great business model for a scam; only offer a way to cancel over the phone and keep disconnecting the customer in hopes to discourage them enough to forget about it.
When I called back later, I was not happy and I'm sure it was known on the other end of the line. I apologized for my initial tone and explained that I understood that it was not the fault of this person I was talking to and just wanted to cancel my account. I also asked for a manager's name and contact info just in case I got disconnected again and was told that he cannot give me that information because there were no managers or some real shady explanation that just upset me even more. So I now learned that there is almost no way of cancelling an account AND there is NO accountability!
Well, I got through to accounts successfully on this last call and am convinced that I got the most helpful person at Sirius XM radio. She immediately canceled my account and then had me login online to see that visually there were no charges or radios on my account anymore. This is my warning: use close consideration before subscribing to this service.
NEW YORK, NEW YORK -- I received several emails from Sirius that they couldn't bill my credit card because it was expired. I didn't have an auto-renewal on the account and when I purchased the service, I paid for 3 years. Two years into the service they are saying they need to bill me to renew it, which was what the auto-renewal bill was for. I repeat I did not have an auto-renewal on the plan, I never agree to those terms.
Since I paid for three years and they were billing me at the two year mark I decided to cancel my service since I don't want to work with such a disreputable company. I called them to make sure they understood to cancel my service. The representative I got barely understood English but I tried to explain I wanted to cancel my service. Instead he insisted that he would give me 5 months for some price, I told him I had no interest in continuing the service. After quite an ordeal I thought he understood what I was saying. This was Feb 15th.
On March 19, after receiving several emails saying they were still trying to charge my credit card, I called them back to see why they haven't canceled my service. I waited 20 minute for a representative to answer. They said they were trying to bill me for the service and did I want to cancel the service. By this time I didn't even own the vehicle anymore and told them so. After the conversation they asked me what I wanted to do. Again trying to explain I didn't have the vehicle (and I wanted to active a new vehicle) and cancelled the service back in Feb they still were asking what I wanted to do.
I couldn't seem to get it across to the representative (again didn't understand English) that I didn't want the service, was not going to pay for the service on that vehicle and I didn't own the vehicle anymore. The representative then asked if I wanted to speak to a supervisor to cancel my service and I told them I definitely wanted to speak to them.
The supervisor got on the phone (after a 10 minute wait) and asked what they could do for me. I went through the whole scenario again and she asked me what I wanted to do. So I went through the whole thing again and still never seemed to get it across to her (she did not understand English any better than the others). The supervisor finally said let me transfer you to a supervisor to cancel your service and put me back on hold without even trying to understand what I was trying to say and that I wanted to activate a different vehicle. I waited on hold for another 20 minutes with no answer I finally hung up.
I still don't have resolution on the ordeal. I was actually calling to activate my new car as well as figure out what was going on with the vehicle that I no longer owned, but ended up with no resolution on the issue and no service on the new car. From my perspective Sirius is the worst ran company and the worst customer service I have ever had the unfortunate dealings with. Even trying to give them business they weren't able to understand what I was asking for or trying to explain.
PHOENIX, ARIZONA -- Oct. 2 - I called 'Listener Care' after they debited my checking account $149.65 AND a $65.00 charge. The first charge was an 'automatic' yearly renewal after our three-year paid up contract expired on our vehicle. The second charge was for an 'automatic' yearly renewal after a one year contract expired on our second vehicle. No notice, no bill, no renewal contract, nothing...they just helped themselves to our checking account and renewed both of our accounts.
While talking to a representative in 'Listener Care', I agreed to a second three-year contract of 'Mostly Music' on vehicle 1. The three-year charge minus what they had already deducted from our checking account left an agreed upon balance that was to be paid in three monthly installments, beginning on Dec. 7. The charge on our second vehicle ($65) was to be refunded as vehicle 2 was in storage and we did not want to renew the contract. They would have been advised of this if they had sent a renewal notice rather than just helping themselves to my checking account. This call took 45 minutes.
On 10-20 another charge was taken out of our account even though nothing was due until Dec. 7! I called and a representative promised to have straightened everything out. Again on 11-9 another Sirius XM charge was taken out of our account even though nothing was owed until Dec. 7. On 11-11, I called 'Listener Care' only to discover that someone there had changed us on Oct. 18 to a Lifetime contract and we now had a balance of $797.03! This was done without our permission and there were no notes on our account as to why or who changed our account.
When you call in, you must give several pieces of personal information in order to access your account. However, it seems someone (probably a Sirius representative that works on commission) easily accessed our account and charged us for a Lifetime contract! The representative kept quoting me 5 monthly payment amounts that did not equal the balance due. She couldn't figure out why the computer kept giving her a different balance than what was really owed. She promised me that she would review my account with her supervisor and call me back later that afternoon. This call took 35 minutes. She never called me back.
11-12: I called in and requested to talk to a supervisor. I received the runaround and I finally demanded to talk to a supervisor. Supervisor ** reviewed our account and because there were no notes on our account about us changing to a Lifetime contract, she believed me and said she was correcting our account and we agreed to the corrected balance. ** gave me a $54.11 credit for all my trouble. With the two additional debits on my account, we agreed to the unpaid balance.
11-22: I received a bill for over $400! I called and briefly explained that I was didn't want to talk to anyone except a Manager. I was put on hold for 35 minutes and then hung up on. I called back and demanded to talk to a Manager and told the representative NOT to put me on hold while she got me a Manager. I talked to Manager **. He could see from all the notes on our account that everyone had royally messed up. He worked and worked on our account and could not get it to reflect the credits due us. He then said he was closing out our account and opening a new one.
The new account reflected a balance due of $100, which I agreed was correct. ** said if I would pay it in full during our telephone call I would end up with a paid up three-year contract. I told him I WAS not paying another cent until the agreed upon due date. He then offered me a $50 credit for my trouble and if he could process the other $50 during the call I would owe nothing.
I agreed, he had me sign back in to my account to see that it carried a 00 balance, which I did. I had originally requested ** to call me back when he got our account straightened out and he informed me that they cannot make outgoing calls. I said if one of your employees has a heart attack are you telling me you can't dial 911? He said they could do that, but make no other outgoing calls. Therefore, I was forced to stay on that call for an hour until he straightened out our account.
12-3 I received two bills, one for $102.00 and one for $487.89 on two different accounts! I have now called in 9 times and had many, many long conversations with as many promises to correct our account and now two months later it has not been done. I have emailed 'Listener Care' and told them if I don't get a call from them by the end of the next working day (Dec. 5) I was cancelling my service and demanding a full refund. The moral of the story is that 'Listener Care' does not listen, nor do they care, nor do they do what they say they are going to do. DO NOT SUBSCRIBE TO SIRIUS XM RADIO!!!
NEW YORK, NEW YORK -- I only need Sirius so I can listen to Howard Stern. There are so many other options out there for music that Sirius is simply not needed. However, because I want to hear Howard every day, I am being held hostage by Sirius and am being nickled and dimed at every turn, then disappointed that the "upgrade to premium Internet service" is not working, all of the links to download the Blackberry app are dead, and unless you call their "Listener Care" Department, they don't tell you that the problem is on their end.
Currently, I'm paying for their so-called "Premium Internet Radio" and none of it works. After an hour and a half conversation last weekend and a half hour conversation with "Listener Care" today, I was told that if I'm not satisfied, I should just cancel my Internet radio subscription. As much as I would like to tell them to F-Off and cancel my subscription. I would have no way to hear Howard Stern.
So there you have it... I'm held hostage by Sirius because of one piece of exclusive programming that I like, that I pay a premium for, that they can't seem to get to work, and they do not appear to be in any hurry to fix it. They did offer a $10 credit to be applied to next year's renewal, but the money is not the issue, nor am I even certain I will stay a subscriber for another month, much less more than a year from now.
Three times a year when it's time to renew one of my three radios, I get invoices from Sirius, each with a $2 "Invoice Fee". Not sure why they feel it necessary to fleece us for $2 to send us their bill, but that's a perfect example of the way they operate.
This year I decided to do automatic renewal to avoid that made-up fee and get all three radios in line to be auto-renewed ONE TIME a year. I only wish their customer service and technical support were as efficient as their billing department. Their billing department is very good at taking my money, but their customer service and technical support seem to be absent (or at least the opposite of helpful) when I have had to call to complain.
To add insult to injury, after I renewed all three radios for a year each, I was informed that I no longer had Internet Radio available (a service that was previously included with my subscription), unless I paid an additional $3 a month for it. They touted that this cost would give me "near CD quality" audio and allow me to download and use their Blackberry App for listening from my smart phone.
So, after paying them $300+ for my three radios, I am now paying an additional $36 a year just to be able to hear Howard from my computer. Again, Internet radio service used to be included with the subscription, and now it's an up-charge.
After all of this, I still cannot listen via my Blackberry because they have made the app unavailable (all the links are dead), and their so-called "upgraded Internet radio console" won't play any content. If you can get by without Howard Stern, you do not need Sirius XM. Nearly all the rest of their content is available elsewhere, and usually for free.
They only care about your money regardless of how slick and relentless their advertising is. They couldn't care less if they have technical issues... they already have your money and are hoping you just blow it off and don't complain. If I could get Howard Stern some other way, cancelling this money-grubbing company would be a no-brainer. Avoid this company at all costs!
Thinking of subscribing to Sirius or becoming a shareholder? Here's what you're investing in: I've been a Sirius subscriber since 2004 and I promise you that their customer service is the absolute worst of ANY company I have experienced! Worse than any airline, worse than any healthcare provider, even worse than any insurance company! I buy a new car every other year, and the WORST part of that experience is getting the Sirius service changed from one car to the next.
I've had service that I paid for unexpectedly cancelled for no reason, only to have to call and wait on hold for 45 minutes to speak to someone in India who BARELY speaks English. I've been scolded by Sirius employees FOR HAVING TOO MANY ACCOUNTS! I'm not joking; I've been told "If you didn't have all these accounts, you wouldn't have these issues". I'm so sorry I spend so much money with your company!
Today I attempted to log on to my account to avoid the whole call center situation, and my password no longer works! It's the same password that I've used since 2004, oh well. So I called in to the customer service center. I waited on hold for nine minutes with "music on hold" intermittent with a ladies voice coming on every couple of seconds urging me to use the website. Very frustrating. But now, for the last 36 minutes, I've been listening to dead air. The call is still connected; I assume I'm on hold, but no music, no annoying message, nothing!
I decided to Google "Sirius Customer Service" to see if there was another way to contact while I waited in the dead zone. Hundreds of consumer complaints popped up. I clicked on customer service scoreboard.com. I read several of the consumer complaints and then one of the employee responses.
This clears up a lot for me. I never thought to look at it from the call center employee's point of view. We should just relax, it's only money and time, something we Americans have way too much of anyway! They have WAY too many customers to possibly give a damn about one customer's issues! They have a job to do after all, just be patient! If you don't like it, you can just cancel. Wait, you need to speak to someone to do that and then they actually have to do what you ask them to do! If you don't like it, what are you going to do, listen to free radio? That's just crazy!
This is the worst company by far that I have ever had to deal with. Their customer service is in the toilet. I bought a Sirius Stiletto 100 just over a year ago using gift cards given to me by my son. After 6 months the record mode started to malfunction in that the show I was recording, the Howard Stern show, was coming in all scrambled when I recorded it. When I try to listen without recording the unit gets too hot when it is not in its dock and the battery burns out within 15 minutes of listening unless the unit is in the dock.
Anyhow, I called numerous times and spoke to Tech Support and complained about it over and over and they never connected me with Product Support or Customer Service for a replacement. Then when I called August 1 they finally connected me with someone in Product support who told me, sorry your warranty has just expired and we can't do anything about it. I explained that I had been calling on and off for about 6 months about all the problems I have been having and all they did was put me off until just after the warranty expired. They told me my calls were not in their records. What?? I know that I called all those times so where did the record of it go.
It does not surprise me though because the caliber of people they have working in their tech support and customer service levels are a joke. They are unprofessional and downright rude! When I explained to one supervisor, and I use the term loosely, that I could not afford the unit to begin with as I am a senior citizen on a fixed income she replied in a sarcastic voice that "Well, I would not have bought it in the first place if I were you but, OK." I did not even bother to explain to this dolt that my son gave me the gift cards so that I could get it but that I can't afford to lay out the money to buy a new one just because the one I already paid for is a lemon.
And why should I pay for a new one when the unit, that costs almost $300 new was malfunctioning from the start, not to mention the lousy customer service I am subjected to by being a customer of Sirius. Forget it! They are not worth the aggravation and stress involved. They keep you on hold for hours at a time only to get a customer service rep who is rude and arrogant and unwilling to help you.
If you ask to speak to a supervisor they tell you there is none available. If you insist on speaking to a supervisor they hang up on you. Then after a whole day of trying to get to a supervisor, when you finally get one, they are rude and arrogant as well. There is something wrong with this picture!
What does it take to get Sirius Satellite Radio to provide Customer Service? I received a portable Sirius radio as a Christmas present, with docking stations for both my car and my home. I installed the radio antenna on the car exactly as specified in the instructions, but was never able to get the signal to come in clearly for more than 2 or 3 minutes. My in-home reception was even worse. I had initially signed up for a monthly subscription, to be charged to my credit card.
I responded to a survey re: my dissatisfaction with the radio and my comments were that it was absolutely a waste of time. Someone from customer care called but was unable to help me with the problem. She explained that the "lockout" might not be working, as there are several radio stations in my area (greater DC), but the process for determining whether that was the problem was so complicated that I did not want to take the time.
I was planning to cancel my subscription anyway, and then on April 6 my wallet was stolen (including the credit card to which the subscription was being charged). On April 29 I received an automated phone call from Sirius asking me to revise my credit card information. I pressed "0" to be connected with customer service, and after several minutes on hold I spoke with a very nice young woman who was completely unable to help me. She put me on hold four times so that I could be connected with the office that closes accounts - as she was apparently unable to do so - and ended up being cut off after I had waited on the line for 15 minutes.
I received subsequent phone calls over the next four weeks with the same result - no matter who I actually spoke with, they were not "able" to close an account. Each time I explained that the radio did not get good reception, and I was not planning to renew. Each time, I was transferred to another office but the call cut off after I had waited to talk with that office for several minutes.
Today, May 19, I received TWO calls from Sirius, and again was cut off while waiting to speak with someone to clear up the matter. I called back and was placed on hold for 12 minutes, then the call cut off. I called again and spoke to someone named "Brad" and I immediately asked to speak to a supervisor. He put me on hold for 5 minutes, and then the call cut off. I called yet again and spoke with "Mack," who put me on hold for 8 minutes after I said I wanted to cancel; then he came back on the line and told me that my account would be closed as of May 25. I then asked to speak with a supervisor, and after a 3-minute hold I spoke with someone named "Sulphy."
Sulphy immediately assumed he knew what my issues were, without giving me a chance to explain, but he did say that my account would be closed and that the charges that had accrued for April would be erased. He also said that I might still receive phone calls for a few days until the 'system catches up.'
I am tired of being harassed by these phone calls, and I am also incredulous that it took over FIVE WEEKS to reach a human being who had the ability to close my account. Are your 'customer service' staff not trained to provide the standard services for customers? Is there only one person who can do that among all of Sirius Radio's personnel?
If Sirius Radio's business model is to collect monthly fees from subscribers and then make it all but impossible for anyone to cancel the service, they have succeeded. But I'm wondering how long you can count on that for your revenue stream? I have thus far spent two hours either waiting on hold or explaining the situation to people who had no interest in my issue or ability to help me. I wonder how many other subscribers just give up in frustration and continue to pay the bill?
ORLANDO, FLORIDA -- My S-50 works fine in the car, but bring it into the house and you have about 1 minute of good sound then it comes in and out, then displays NO SIGNAL. So I call in and do the upgrade and check the device settings, antenna aiming option. It shows 3/4 for satellite, full bar for terrestrial, but it still displays NO SIGNAL. After 40 minutes on the phone with a service tech, they tell me it's the home kit that's bad, and they are sending me a new one. Problem solved right? Wrong.
The ticket was for Jul 16, it's August 9 and still no replacement has arrived. I call again, and after having to re-explain because no notes exist, the guy finds the notes then tells me that if the ticket was done right, there would be a warranty ticket, but there isn't one, so nothing was done! Nice!
Oh and I now have to call warranty at 866-257-7726 and I talk to Stephanie, who tells me their system cannot get notes from the Sirius side (they're just warranties) so I re-explain the story and the usual security questions again, only to find out the home kit is considered an accessory, and so it doesn't show on my account, so they can't warranty it! Very nice.
Well, they can but I must now dig up a receipt from Christmas and fax them at 812-258-4775 along with my name, address, a/c number and phone number on the account. ANYONE THINK THIS IS A JOKE YET? My girlfriend bought the whole system for me for Christmas, from wait for it...Sirius.com! Haha. But warranty isn't part of them, I'm told so I need to call 1-800-422-7142 and get a receipt.
I asked for a super, but was told everyone is on the same level at warranties and don't bother, it won't help speed things along. SO I call and get a nice guy Jeff, who after going through security etc again, and the story again, tells me to call, wait for it...1-800-422-7142 - the very same number. I'm laughing at my peon status in the customer service arena. Jeff didn't know why he was contacted or how the system got my call to him, but suggested I try again, and maybe I'll get E-commerce
So I muster up another call, get through, go through the usuals again, and get a way to view and print the original receipt, and write out all the extras needed and then fax to warranties! Oh but I am told to wait 2-3 business days and then follow up to see they received the fax. I'm calling now, 'cause I'm tickled about seeing if I can get the number to the number to the fax man or something like that.
Makes you wonder about how you could just shout to the world what a crappy company this is, and how much time you need to devote to getting SERVICE. Will someone please invent a mega loud speaker and tell the world to stay clear of Sirius? No commercials is great, as long as you have the time to make up for the missing commercials in phone calls!
CALIFORNIA -- I received an email regarding my existing Sirius account. "For an extra $4.00 per month, plus fees and taxes, you can stream Sirius radio everywhere, your phone, your computer…" Sounds great right?! Wrong! The fees and taxes add up to $15.99 per month! That puts the extra $4.00 per month to a whopping $19.99 per month, which comes to an extra $239.88 per year added to my already $208.00 per year for my regular subscription. What a scam!!
I have had a Sirius radio for about 6 years now and have always been happy with the service and content. I purchased a lifetime license about 4 years ago which includes online listening. Today, I went to listen to Sirius on my Android phone using the smartphone app and I received a message saying I needed to add online listening to my account to use the app and to call customer service. So I called and basically was told over and over (the service representative just kept reading from the same script) that my online listening package is considered the basic package and I need the premium package to use the app.
That's funny, because if you try to sign up for their online listening service there is no discussion about basic versus premium, in fact the page says with online listening you can listen anywhere, your computer, your iPhone or your android phone. There is only one option to sign up for, but I was told anyone who had a lifetime license was converted to a basic online service and that I could listen on my computer but not on my smartphone, if I want to do that I have to pay an additional $2.99 a month.
There is currently a proposed class action settlement against these guys for charging lifetime accounts the $2.99 fee for online listening so I guess their way around this is to now claim the lifetime licenses only get computer access and that smart phone access is a separate service (although not sold or offered that way anywhere on their site). These guys are really trying to put themselves out of business with their horrible practices, I guess they don't care about me since I am a lifetime member and they can't get more money out of me so who cares if I am not happy with the service.
They could not give me any further info as to why my "Online Listening" account which shows as active on my account is different from the "Online Listening" service they currently offer other than the service representative telling me I have to take his word for it that there are different accounts available, a basic and a premium but only they can see it. I would cancel my subscription if it wasn't already a lifetime license. I know I definitely will not be getting another SiriusXM radio again anytime soon, that's for sure. I would suggest that anyone reading this stay away from them as well, they only care about milking every last penny out of each customer before they lose them.


text:
Oceanic's TWC TV During Recording Session Breaks
During breaks in The DESERT SEA's album recording session, I use Oceanic Time Warner Cable's TWC TV app to watch one of my favorite TV shows, "America's Book of Secrets" - TWC TV even lets me pause the show so I can watch in pieces. How cool is that?!?

subset: commoncrawl


text: Chef Whitfield Inspires Better Health Through the Art of Food Posted: Monday, June 30, 2014 at 2:40 PM Article by: Jennifer L. ColterIf you know Chef Whitfield, you know that his passion for the culinary arts speaks volumes, but it's rarely overshadowed by the great taste of his signature dishes. #EnterDeliciousness! Couple his passion and skill for creating terrific-tasting cuisine with his mission to educate people about better health and nutrition, and you have a culinary ROCK STAR. Probably one of Prince George's County's best-hidden gems, the PGCC Culinary Arts Center is quietly tucked away in a Capitol Heights neighborhood that I, personally, needed my GPS to find. But despite its discrete location, the center is a haven for the community and at the hand of Chef Whitfield and his students, they are transforming lives one meal at a time. I had the opportunity to sit courtside on Tuesday at one of the chef's notorious seminars where he demos a meal, discusses nutrition and how to best incorporate it into daily life, and performs a combination line dance/freestyle whilst sharing funny, personal anecdotes about his own life's journey. An advocate for seniors–working to ensure they have a better quality of life–Chef Whitfield is exceptionally proactive in fostering partnerships that ultimately benefit the community. At the event, the room full of participants (which was at capacity) responded to him in the only way you would expect; with cheers, laughter, nods in agreement and empty plates. What Chef Whitfield contributes to our community–the college and beyond–is immeasurable. He's on the ground, connected to individuals, and changing the way people are aging. Through a partnership with the Department of Parks and Recreation, among a host of other key contributors, Prince George's Community College's footprint is evident in the hospitality industry, with Chef Whitfield at the wheel. People + Passion + Education + Plan = A Thriving Community Ask him why he chooses to personally tackle the issues of health and nutrition for the residents of Prince George's County? According to Chef Whitfield, statistics show that several areas within Prince George's County indicate alarmingly high rates of high blood pressure, diabetes, and heart disease-related deaths. This resonated, and he's laser-focused in his mission to change those stats through education, better resources and a personal approach. Simply put he says, "It's not where you live, but how you live." Related News StoriesPGCC Alumna Named Dean of Workforce Development Posted: April 18, 2012Lt. Gov. Anthony Brown Addresses Minority Business in Maryland Posted: April 18, 2012Upward Bound Program Awarded $1.25 Million Posted: June 13, 2012May Events Feature Music, Art and Health Screenings Posted: April 25, 2012Job Training Program Opens New Career Path for Unemployed Posted: April 25, 2012Honor Students Awarded Prestigious Jack Kent Cooke Scholarships Posted: April 23, 2012Eighteen Year-Old College Graduate Inspires Class of 2012 Posted: April 22, 2012Raheem DeVaughn Headlines Spring Music Festival 2012 Posted: April 19, 2012


text:
Dr. Shannon Leigh Arntfield, London, Ontario
NOT ALL DOCTORS listed on this website may be accepting new patients. Although we do our best to maintain a current database, contact information and their ability to accept new patients changes rapidly. If you detect an error in any contact information, or have information for any of the blank fields, please click here to let us know.
Doctor Shannon Leigh Arntfield 1 Doctor Rating (Avg Rating: ) Add Rating
St Joseph\'s Health Care
268 Grosvenor St
Rm D1-203
Phone: (519) 646-6380
Fax: (519) 646-6177
Gender: Female
Accepting New Patients: Login to View
Languages Spoken: Login to View
Specialty: Login to View


text:
Under Obama, coal country fights for its way of life
By Daniel Trotta
BEALLSVILLE, Ohio (Reuters) - Leon Lieser has been a coal miner 49 years, his bent fingers testament to his first job, loading coal by hand into a bucket. Mining also led to a hip replacement and a knee replacement. He loves his job and his industry, despite what it has done to his body.
"It's a way of life. It's a proud life," said Lieser, 66.
It may also be doomed. Lieser's boss, Robert Murray, chief executive of Murray Energy Corp, said he fears for the end of coal, prodded by a U.S. president who has promoted wind and solar power while cracking down on emissions from coal-fired power plants.
"There are no coal-fired plants being built. Mr. Obama took care of that. I think we're totally eliminated by 2035," said Murray, 73, a prominent advocate for his industry and a fund-raiser for Republican Party causes.
Despite Murray's protestations, the decline of the coal industry is being driven by the free market. U.S. natural gas production rose 16 percent from November 2008 to November 2012, creating a cheap supply that has made gas-generated electricity more competitive than that from coal.
Murray, too, decided to spend his life in the industry, even with the dangers readily apparent. His father was paralyzed from the neck down in a mining accident when Murray was 9 years old, and Murray broke his neck twice in mining accidents during the 16 years he worked underground, before he built the country's largest privately held coal company.
"I've got a birdcage of titanium and vanadium between (vertebrae) C2 and C8," said Murray, pulling back his collar to show a scar running down the back of his neck, the trace of a past surgery.
While cities such as Pittsburgh, about 75 miles to the north, have recovered from the decline of coal and steel, rural areas such as the Ohio Valley have been largely left behind. Four or five mines operate in an area that once had 25, veteran miners say. Continued...


text:
Back to School: Driving Safety
Amarillo, Texas -
AMARILLO -- TxDOT released some ways you can make sure the first day of school and this school year safe for all students.
TxDOT reports that last year, 625 vehicle crashes occurred in school zones in Texas, resulting in two deaths and 112 serious injuries. August and September of 2013 alone saw 104 crashes in school zones.
The most common factors contributing to these crashes were driver inattention, failure to control speed and failure to yield the right-of-way at stop signs.
Tips for Driving in School Zones:
- Put away your cell phone. Cell phone use is banned in active school zones, and violators face fines of up to $200 in school zones where signs are posted.
- Always obey school zone speed limit signs. Remember, traffic fines usually double in school zones.
- Drop off and pick up your children in your school's designated areas, not the middle of the street.
- Keep an eye on children gathered at bus stops.
- Be alert for children who might dart across the street or between vehicles on their way to school.
Tips for Children Walking or Biking to School:
- Always cross at intersections and designated crosswalks. Look left, right and then left again before proceeding.
- Look for traffic when stepping off a bus or from behind parked cars.
- Make eye contact with drivers before crossing the street.
- Always obey crossing guards.
- Always wear a helmet when riding a bicycle.
Tips for Sharing the Road with School Buses:
- Always stop for flashing red lights on a school bus, regardless of which direction you're headed.
- If you are on the other side of a divided highway, you do not have to stop for a bus with flashing red lights, but please still use caution as children are around.
- School buses stop at all railroad crossings, so be prepared to stop if you are behind a bus.
- Watch for children who might run across the street as they get on or off the bus.
More Stories
Officers say the man appeared to have a self-inflicted gunshot wound.…
He was booked into the Randall County Jail.
A BNSF engine caught on fire while going down the track Monday west…


text:
Pictures: iPod nano 2g Disassembled
Date: Thursday, September 14th, 2006, 09:13
Category: iPod
Mitsunobu Tanaka, Ph.D (a.k.a. KODAWARISAN) has posted pictures of the new iPod nano 2g disassembled.
Kodawarisan.com > iPod nano disassembled
Mitsunobu Tanaka, Ph.D (a.k.a. KODAWARISAN) has posted pictures of the new iPod nano 2g disassembled.
Kodawarisan.com > iPod nano disassembled
Nick Starr has posted 31 photos of the new iPod nano 2g, including pictures of the new, smaller packaging.
2G iPod 4gig Silver iPod nano – a photoset on Flickr
If you've been living in a (broadband-less) cave for the past couple of days you may not have heard that Apple has released a slew of iPod updates (along with a new version of iTunes).
All three designs are attractive, but by far the most gorgeous is the completely redesigned iPod Shuffle. Clad in brushed aluminium, this triumph of miniaturisation weighs in at just over half an ounce. Its dimensions are about as small as you can get while retaining a play button and a headphone socket! It has plenty of room (and battery) to play over 10 hours of music, and the £55 price tag includes a tiny docking station.
It is a superb example of what Apple does so well. I'm still trying to think of a good reason for getting one!
(Contributed by: Brett Jordan)
Here's a screen shot of the new iPod user interface in iTunes 7. It's pretty sweet.
Apple – iTunes – iTunes Overview
Now that you can buy movies from the iTunes Store and sync them to your iPod, the whole world is your theater. With a 30GB or 80GB iPod in hand, those movies fit comfortably next to TV shows, new iPod games, podcasts, audiobooks, photo albums, and, of course, an entire library of music — up to 20,000 songs, in fact. Now starting at $249, iPod is a pocket-size prodigy.
SendStation Systems is giving away 1,000 free PocketDocks FW, the legendary thumbsized iPod FireWire adapter. Offer available while supplies last or until September 13, 2006, limited to one PocketDock per person. To get the free PocketDock simply fill out their order form.
US and Canadian customers can also purchase a smartCharge iPod Car Charger, including 25 free iTunes codes for only US$24.95.
The PocketDock FireWire is an indispensable add-on for the iPod & iPod mini, Apple's sensational and wildly successful MP3 player. The tiny PocketDock FireWire lets you connect the new iPod's docking port to a standard 6-pin FireWire cable, thus delivering on the iPod's promise of freedom and independence.
When you're on the road with your iPod, listening to your favorite hits, you may unexpectedly want to connect to another Mac or PC — to exchange files, or maybe just to charge the iPod's battery. When you need it most, you'll probably find that you didn't bring the special iPod docking cable — it's at home connected to your computer.
SendStation – Products – PocketDock FireWire
MCE Technologies, LLC (a PowerPage sponsor) is now distributing the iTube-201 a combination FM transmitter, cigarette lighter charger and flexible dock for the iPod video and nano. MCE is repping the US$75 transmitter for Digiana of Seoul, Korea.
The iTube-201 is a FM transmitter, auto power adapter and iPod dock built around a flexible steel-neck stand that can be manipulated into several different positions.
My favorite feature is the little button beneath the blue-backlit LCD station display. It allows you to easily switch between up to four FM presets between 88.1MHz and 107.9MHz – a boon for city slickers. Readers of the site know that I'm not a big fan of FM trannies because of how often they force you to flip around to find a good station. The four presets really help in this department.
Once tuned in to a strong station the iTube's sound quality is more than acceptable. The only drawback is that a 60GB iPod video is a little heavy for the cigarette lighter connection and it moved a little on me while driving. On the other hand, it worked perfectly with the iPod nano.
The iTube-201 works with the iPod 5G and nano, requires no batteries and is available for US$75 from MCE Technologies.
The DuoBand is an iPod nano armband from iSkin. The DuoBand is different than other nano armbands (like the XtremeMac SportWrap I reviewed in May) because it is comprised of a thin silicone iPod skin that snaps into a hard polycarbonate frame.
Armband are a nice complement to the diminutive size of the iPod nano and are practically a requirement for the gym. The DuoBand keeps sweat away from the nano's click wheel by completely covering it with the silicone sleeve. The wheel is still accessible through a hole polycarbonate in the frame when being worn.
Read More…
've not seen one in 'the flesh', but the first images of the miniscule (think 'iPod shuffle-size') music player look very nice indeed. In particular, the OLED LCD display (similar to that used by the latest Sony music players) manages to be both attractive and clear.
Reviews have been mixed so far, software is PC-only, it won't play AAC files, and the software and documentation appear to be flaky. But if Apple added this display techology to the iPod Shuffle…
Read More…
(Contributed by: Brett Jordan)
DigiTimes on Wednesday reported that a new iPod "may have wireless capabilities." But then at the end of the same article they contradict themselves by noting that Apple Taiwan has denied it. While Wi-Fi might be cool, I sure don't want Bluetooth wireless headphones…
Read the rest of the story on my ZDNet Blog: The Apple Core.


text: I just realized that my SA Loaded Stainless 1911 says made in Brazil! What does that mean? It still says S.I. Geneseo IL USA, Made In Brazil-IMBEL. What gives? The last time I checked, Springfield was not in Brazil. I paid good money for an American 1911, not a Brazilian one. Is this a bad thing? Is my 1911 a lesser version? What do you guys have?


text:
Fashionable Scarf Shawl Serie A
Stay warm in the winter months!
High quality triangle winter scarf can be worn different ways.
You can use it as a shawl, cape, muffler and scarf.
- Material: Blend of Acrylic and cashmere
- Scarves Length: 55" x 75" / 140 x 190cm
This awesome product has FREE US Shipping from our international warehouse - only for a limited time. Please allow 2-4 weeks for US delivery. International add one week.


text:
Donaire: Over in a flash
By Graham Houston
Everyone wants to see the best meet the best, but sometimes when elite boxers face each other a much-anticipated fight can end with one punch, almost before it really gets started. That is what happened when Sergio Martinez nailed Paul Williams with a huge left hand in their middleweight title fight last November, and it happened again on Saturday night when Nonito Donaire blew away Fernando Montiel in the second round of their bantamweight title bout.
With two big punchers in the ring, the end can come at any time. Sometimes it can all come down to who makes the first error of judgement, but it seemed to me that Donaire was dominating Saturday's fight up to the sudden finish.
Montiel looked muscular and strong at the weigh-in, and his fight-night weight — as recorded on HBO's scales — was 134 pounds, to Montiel's 126. Yet Donaire, to me, looked a weight division the bigger man as they came out for the first round.
Donaire fought like a man who knew he was going to win by knockout. He seemed to be inching towards his goal, sometimes springing into the attack, at other moments staying back and waiting to see if Montiel would be tempted to come to him, so that he could counter — drawing Montiel on to his own downfall, if you like.
I thought that Donaire looked powerful and relaxed, always in control of what was happening in the ring. Montiel, I thought, had a somewhat anxious, edgy look, as if he didn't quite know what to do. The differences in speed and strength were immediately apparent. Montiel is an excellent technician but Donaire, as HBO's Max Kellerman quickly noted, had the athletic ability that was enabling him to get in and get out before Montiel could react.
Donaire is flat-out fast. I noted that at one point he threw a right hand that missed but in almost the same motion knocked Montiel back with a nudge from his right shoulder and was away again in an instant — the Filipino Flash indeed.
Montiel seemed to sense in the opening round that he couldn't win by staying on the outside. Donaire was catching him with the left hook to the body — and an excellent hook upstairs — and he was too speedy and too smart for Montiel to time him for a left hook or left uppercut.
So, the Mexican boxer had to try to come forward and force his way into a position from which he could do some damage and, true, Montiel's punches were getting closer in the second round — but at the same time he was getting closer to Donaire's left-hand firepower.
The end came as suddenly as a trapdoor opening beneath an unsuspecting victim, with Montiel throwing a right hand and Donaire countering with a left hook in the same instant. When Montiel went down, the back of his head slamming onto the ring floor, his legs kicking, it looked all over. I don't know how Montiel got up, but he did. Referee Russell Mora, perhaps with a little reluctance, allowed him to continue, but just two more punches from Donaire brought the referee's intervention.
I would hesitate to say it was looking inevitable that Donaire would stop Montiel, because I suppose there was always a chance that the Mexican fighter could have landed a big shot of his own, but I feared for Fernando when what some call the commentator's curse struck yet again: Once HBO analyst Roy Jones Jr. remarked in round two "Montiel's showing a strong chin" it struck me as a portent of doom.
Just as when Al Bernstein "guaranteed" that the Vic Darchinyan-Joseph Agbeko fight wouldn't go the distance, or when Max Kellerman enthused over Paul Williams's excellent chin in the Martinez-Williams rematch, one sensed that fate had been tempted. I'll give it to Roy, though; he doesn't give up easily after voicing an opinion. Even when Montiel was out on his feet against the ropes the former great champion was telling us: "He took those punches well."
So, not for the first time and surely not the last, an eagerly awaited meeting turned out to be a mismatch — but that was just fine with the Filipino fans and, of course, with the Donaire backers who pushed the odds up to -300 in the last few hours before the fight.
Donaire emerged as one of the ring's brightest stars, but he is happy to be considered the Philippines' No. 2 fighter, right behind the iconic Manny Pacquiao — if Floyd Mayweather Jr. drifts into retirement make that No. 2 in the world behind Pacquiao.
Visit fightwriter.com


text:
Classic Accessories® PolyPro III Deluxe Camper Cover
Item # WX2-168638
Classic Accessories® PolyPro III Deluxe Camper Cover
Item # WX2-168638
You May Also Like
Dize Weathermaster Waterproof Canvas Tarp, 10-oz.Buyer's Club $26.99 Non-Member $29.99
Woodland Camo TarpBuyer's Club $7.19 Non-Member $7.99
Guide Gear Pontoon CoverBuyer's Club $116.99 Non-Member $129.99
- Details & Specs
Classic Accessories® PolyPro IIITM Deluxe Camper Cover. Outstanding heavy - duty protection for your camper!
Take no chances when it comes to your pride and joy... wrap it up in a PolyPro IIITM for all-around peace of mind!
- Thick, triple-ply PolyPro polyester fabric top keeps out rain and snow, while venting inside water vapor and condensation
- PolyPro III blocks water, dirt, stains, and harmful UV rays
- Integrated air vent system, combined with quick-drying sides, reduces wind stress and vents inside moisture
- Zippered panels allow access to camper door
- Full cut to allow room for ladders, air conditioners, etc.
- Adjustable front and rear tension panels
- Integrated rope attachment system and toss bag mean you won't have to crawl underneath your camper
- Stuff sack and tie-down rope included
- Available in Medium (for campers 8'-10' long) and Large (for campers 10-12' long).
State Size, as available in the Shopping Cart.
- Reviews
- Frequently Asked Questions
- Articles & Tips


text:
Darline D. Kemnitz, 82, passed from this life on Monday, February 27, 2012 surrounded by her family. Services have been entrusted to the care of the Palmer Marler Funeral Home of Perry and will be held at 1:00pm Saturday, March 3 at the Palmer Marler Funeral Home Chapel located at 203 Fir St in Perry, OK. Visitation is scheduled from 2-8pm on Thursday and Friday from 9am-8pm.
Darline Delores Kemnitz was born on March 2, 1929 in Blackwell, OK to Claude and Anna Meeks. She was raised on a farm and attended schools in the Lamont area. Following her graduation, she attended Northern Oklahoma College, before taking a job with Conoco in Oklahoma City. While working for Conoco, she met and began dating the love of her life, John Alfred Kemnitz. John and Darline were married in Tonkawa on June 9, 1951 and would remain married for 55 years, until John's death in 2006.
From 1954-56, the Kemnitz were stationed in Denver, CO. During this time, Darline took a job with the United States Mint doing secretarial and administrative work. After John's service was complete, he rejoined Conoco and from 1956-1964, the couple resided in Overland Park, KS. In 1964, Darline and John relocated to Ponca City, OK, where Darline remained until 2006, when her declining heath led her to Oklahoma City to live near her daughter Paula. She was a member of the First Lutheran Church in Ponca City and was a proud member of the NORTH 999, a group of 9 former Northern Oklahoma College students from the 1950's who became fiercely loyal pen pals.
Darline was a kind and generous woman who enjoyed life. Her life was the definition of strength. She was a fighter who knew the value of hard work and never took the easy way, but always the right way. She was consummately loyal and was the type of friend that you wanted on your side. Darline was a perfectionist who wasn't afraid to speak her mind. She enjoyed doing floral arrangements, making clothes, cooking, painting, and sewing.
Darline Kemnitz was a loving mother, a proud grandmother, a caring sister, and a loyal friend. She will be missed by all those whose life she touched.
Darline is survived by her daughter, Paula Polito and husband Mike, of Edmond, OK. Granddaughter Katie Gibbons and husband Justin, of Oklahoma City,OK. A sister, Joyce Prilliman and husband Lewis, of Penn Valley, CA. A sister-in-law, Laura Kemnitz, of Perry, OK. Two Brothers-in-law, Edward Kemnitz and wife Anita, of Colona, IL and Oral Newell of Broken Arrow, OK. Two step grandchildren: Matthew and Kelly Polito both of Edmond, OK.
She was preceded in death by her husband, John Alfred Kemnitz. Parents Claude and Anna Meeks. Brothers Donald and Loren Meeks. A sister Merline Newell.
Condolences may be sent to the family via an online guestbook at www.perrycares.com or on facebook at www.facebook.com/pmcfh


text: Summer is just around the corner and I'm excited for everything the warm weather has to offer. From picnics and barbecues to strawberries and hamburgers, this is my favorite time of year! And with Cinco de Mayo, Mother's Day, and Memorial Day, there are a lot of parties to look forward to. Wondering what items we're totally obsessing over this month? Here they are, our must haves for May.


text:
my autograph contest
what up Yard!! its me Sheed, and i want to let yall know about this contest that i have, the winner of the contest gets an autographed item. all you have to do is answer one question. most creative answer wins. so check out my video blog for the question and details and good luck to all. peace out


text:
I have been getting a lot of emails lately for a lot of zam things, and I thought I would post this up, since this was a different one from the others questions I usually get.
Wow 3 yrs old! That's young! Tons of costuming companies are selling various costuming things that you could probably "take apart" and assemble back together. Especially at 3 yrs old, your child will grow out of it quickly. DCB's daughter wore hers outfit once. Tk409's was totally awesome too. http://www.thedentedhelmet.com/showthread.php?t=15820 this thread would have a lot of ideas. I would say, lots of craft foam for a lot of parts, for safety reasons, but the hat/helmet, can be tricky. My first thought, if on a budget mini zam, was to take a fake construction worker's hat for little kids, or a firefighter's hat. I would cut the sides to make it concave, and round the the brim or use several yardsale signs and glue on the brim or cut the circles to make the top of the helmet concave ) ( The thrift stores would be your best friend too. I saw some viking helmets at the holloween store once, which are already made with plastic and painted silver, so it would save you some time. Get a couple of sizes larger, so that the concave parts wouldn't dig into her head. And, you could put some foam in it to make it more secure on her head. I am at a loss really, cause I have never tried it. So I can't say it would work, but it may be a good "starting point" to try from. DCB took apart old fisher price roller skating tops for the toe gaurds. That's all I can remember from like 3-4 years ago? The real helmet has rectangular metal tubing from Ace hardware. I wouldn't know how else to attatch it to a helmet, budget-wise, other than useing the real thing. Again ~ this would be for a Budget mini-zam. Accuracy always takes more time. And depending on how many people you have working on it, it's a tight cram for Halloween ;) Good Luck!Quote:
I'm making a Zam costume for my 3 year old daughter. She calls her Zam Woosle. I was wondering if you had any suggestions for the hat. I read through the forums and all the work you guys do is amazing – but I am hoping to find something more suitable for my daughter.
If any other zammers would like to chime in with ideas, go right ahead!


text:
Microsoft Fitness Band Breaks Ground by Playing Nice
All the other majors in technology are pushing smart watches as a way to drive adoption of their main item, their smartphone. Meanwhile, the Redmond, WA giant appears to be focusing on selling the device itself by making it compatible with all kinds of said devices
Microsoft is playing nice.
It's a big shift for a company that once got in trouble for making it nearly impossible not to use its browser and drove word processing users mad each time it put out an update, making documents unreadable to people who hadn't upgraded their copy of WORD yet.
Instead of trying to use its first major wearable device to lock users into the Windows phone, the Redmond corporation is rumored to be developing a device that can share data with any sort of smartphone, Android, iOS or Windows.
Rather than entering the wearable space with a watch, the company is entering it with some sort of fitness tracker, according to rumors. Probably something in the spirit of the FitBit, which Microsoft already sells on its website. What may make the device stand out will be its incorporation of sensor technology developed for the Kinect, its ability to continuously monitor heartrate and, perhaps, some sort of ability to read muscle movements, according to Forbes. Which could mean that it breaks more new ground than the company's phone recharging pants.
From a business standpoint, this could be less a bid to sell wearable devices and more a bid to get smartphone users accustomed to seeing Microsoft software on Windows based phones.
The unanswered question with all of these devices is whether or not consumers are really clear yet on why they would want them. The majors seem to be trying to compete by cramming as many features in as possible, whereas smaller startups, such as Ringly, betting on solving just one problem with some elegance.
Microsoft has a history launching "me, too" product lines. The Zune chased the iPod and went nowhere, but the XBox chased the Playstation and did okay. At least Microsoft is stepping into wearables before the market has a runaway favorite and they are doing it such a way that makes it easy for anyone to buy in.
h/t: Supesite For Windows


text:
ISE FX Australian Dollar: the downside prevails.
Update on supports and resistances.Resistance3 : 122.5Resistance2 : 118.15Resistance1 : 114Last Price : 107.3Pivot Point: 114Support1 : 106Support2 : 102Support3 : 94Pivot: 114Our preference: Short positions below 114 with targets @ 106 & 102 in extension.Alternative scenario: Above 114 look for further upside with 118.15 & 122.5 as targets.Comment: the RSI is badly directed.122.5118.15114107.3 (last)10610294*USD/AUD Index: the ISE Exchange measures the strength and weakness of the US DOLLAR versus the AUSTRALIAN DOLLAR. For details go to www.ise.com


text:
by D'vorah Lansky
While Pinterest has been around for quite awhile (2010) it has only recently begun picking up steam and interest. I've been doing research on and reviewing articles on this exciting new phenomenon and rather than composing an article sharing my findings and opinion, I'd like to share with you a few articles that seem to be "spot-on" and extremely informative.
(Scroll down for links to articles across the Web along with a recommendation for further reading. Enjoy!)
Whether you're promoting awareness of a certain cause, want more traffic to your blog or are promoting your business, Pinterest offers a unique opportunity to get your message out there through the use of images. Here are just a few of the fun things Pinterest offers:
- A visual cork board where people "pin" up things they are interested in, on specific topics
- The ability to pin both images and videos
- The opportunity to add a link to an image that either opens up to the image or that links to any site you'd like
- Access for people to pin your content to their board. You then broaden your reach as you show up on their board
- Pinterest also offers powerful search engine benefits
Another great thing about Pinterest is that you don't need have to have a lot of followers to gain visibility. Pinterest is a very open website and people are always searching for images and topics of interest, so it's easy to get started right away.
I hope you find this resource helpful. If you do or if you would like to share your questions, tips, or ideas on this exciting new social network, please scroll down to "weigh-in".
- Podcast: Add a Pin It With Pinterest Button On WordPress by Charly Leetham
- What You Absolutely Must Know to Use Pinterest Safely by Michelle Shaeffer
- The Ultimate Guide to Mastering Pinterest for Marketing by Pamela Vaughan
- Pinning for Gold by Jeff Turner
- Pinterest: A Beginner's Guide to the Hot New Social Network by Rob Lammie
- Pinterest Drives Traffic and Boosts Visibility for Your Blog by Denise Wakeman
- Pinterest Frenzy. Will Marketers Kill It? by Tom Treanor
- Pinterest Articles and Tips by Tom Treanor
- Pinterest Marketing Delight by Annie Infinite
- Video: Add a Custom Facebook Pinterest Tab by Annie Infinite – contributed by Roz Fruchtman
- How Pinterest Uses Your Con
tent Without Violation by Dave Copeland
- Letter for Bloggers and People Who Use Pinterest by Amy Locurto
Pinterest and Copyright by Sean Locke
- Photographers Should St
op Complaining about Copyr ight & Embrace Pinterest by Trey Ratcliff
- Avoiding Copyright Pitfalls on Pinterest by Sara Hawkins
- Is Pinterest the New Squido
o by Bob "the teacher" Jenkins
- 56 Ways to Market Your Business on Pinterest by Beth Hayden – contributed by Mari Smith
- Why I Tearfully Deleted My Pinterest Inspiration Boards by Kristen Kowalski
- Pinterest Becomes Top Traffic Drive for Women's Magazines by Lauren Indvik
- Pinterest – The Hottest New Social Site by Dana Lynn Smith
Here's to your social networking success,
D'vorah Lansky, M.Ed., Bestselling Author of
Book Marketing Made Easy: Simple Strategies for Selling Your Nonfiction Book Online
Share your Pinterest comments, questions, ideas as well as links to interesting Pinterest articles and boards.


text:
Surely A Large Human
Date registered: Jun 2006
Vehicle: '08 C219
Location: Between Earth and Mars
Posts: 34,621
Mentioned: 5 Post(s)
Quoted: 640 Post(s)
(Thread Starter)
|Thread Tools
|Display Modes
Securities Firms Tackle Pay Issue
Limits on Compensation Are Considered to Head Off a Public Outcry
By RANDALL SMITH, AARON LUCCHETTI and SUSANNE CRAIG
In a sign that Wall Street is waking up to the political tempest over billions of dollars in year-end bonuses likely to be paid out at securities firms lining up for government infusions, top executives are in discussions to possibly cap their own compensation, according to people familiar with the situation.
While the discussions remain fluid and many details still must be agreed to, the talks underscore an emerging consensus among some of the securities industry's most powerful executives that the escalating pay controversy is creating yet another public-relations mess for Wall Street.
"There are going to be some people in the financial-services industry who will show real leadership here and recognize the reality of the situation," one senior Wall Street official said.
At least one major firm has looked at former PepsiCo Inc. Chairman and Chief Executive Roger Enrico's move in 1998 to give up his $900,000 salary. Instead, Mr. Enrico asked PepsiCo directors to fund scholarships for children of "frontline employees." Mr. Enrico still got a $1.8 million bonus that year.
And as Wall Street firms examine their pay and bonuses, distinctions are being made between the highest-ranking executives and lower-level traders and investment bankers who aren't widely known beyond Wall Street but could get plucked away by rival firms if compensation practices are significantly altered.
As a result, the most likely scenario in the firm-by-firm discussions is a sharp decline in compensation for chief executive officers, but fewer changes in how bonuses are paid to most employees, according to a person familiar with the matter.
Since the start of 2002, Goldman Sachs Group Inc., Morgan Stanley, Merrill Lynch & Co., Lehman Brothers Holdings Inc. and Bear Stearns Cos. have paid a total of $312 billion in compensation and benefits. Bonuses generally account for about 60% of total Wall Street compensation, meaning that the five firms paid out an estimated $187 billion in bonuses.
The tried-and-true compensation model has come under fire since the Treasury Department announced plans to inject capital into financial institutions. Goldman, Morgan Stanley and Merrill are among the initial nine companies getting a combined $125 billion in government capital, fueling worries that taxpayer funds will be used to essentially subsidize Wall Street bonuses.
"To the guy in Kansas making 60 grand a year and losing his house, it seems like madness to bail out firms at a favorable interest rate and see them have thousands of people making millions of dollars a year -- and it is madness," said Alan Johnson, a New York compensation consultant.
Part of the problem for Wall Street is that some politicians contend that executives and employees responsible for fueling the credit crisis should now pay a steep penalty, especially since huge profits during the housing boom are being swept away by losses and write-downs. Since the start of 2007, for example, Merrill has had net losses of nearly $20 billion -- or nearly all of the profits made by the company from 2003 to 2006.
Now that Merrill is being sold to Bank of America Corp., thousands of Merrill employees are facing the ax as part of plans to save $7 billion in pretax annual costs at the combined company.
While top Merrill executives are sensitive about the appearance of big pay packages, they also believe the acquisition that they engineered saved the company, meaning that they should be rewarded.
Overall, top Wall Street executives who might have earned $30 million last year could see their pay plummet to $8 million this year, predicts Mr. Johnson, the compensation consultant. Most of that is likely to come in the form of restricted stock with little or no cash. Other pay experts predict Wall Street bonuses will decline an average of 40% to 45% from last year, reflecting sharply lower revenue and profits.
At Goldman and Morgan Stanley, the two remaining major independent securities firms, compensation and benefits for the first three fiscal quarters fell 32% and 20%, respectively.
That period ended before the stock market plunged in September and October, Lehman filed for bankruptcy and the federal government mounted a series of rescue efforts propping up a slew of financial firms and markets.
Historically, Wall Street firms have tied the pay of top executives to the firm's overall profitability. Last year, Goldman CEO Lloyd Blankfein earned $69 million, up 28% from fiscal 2006. Many Wall Street executives expect Goldman to set the overall tone for the next round of year-end bonuses.
Morgan Stanley CEO John Mack took no bonus for 2007, reflecting the firm's $3.6 billion quarterly loss from errant mortgage trades. Senior Morgan Stanley executives have recently been discussing this year's pay and bonuses, but no decisions have been made, one person familiar with the situation said.
The wide-ranging pay talks follow demands for information about compensation plans. Some firms have considered hiring one outside law firm to represent the nine companies on the Treasury Department's initial list of capital recipients in their response to this week's demands by New York Attorney General Andrew Cuomo. Top traders, who can out-earn CEOs in a good year, are concerned about possible disclosure of their names and pay.
|Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
|Thread Tools
Show Printable Version Show Printable Version
Email this Page Email this Page
|Display Modes
Linear Mode Linear Mode
Hybrid Mode Switch to Hybrid Mode
Threaded Mode Switch to Threaded Mode
|Posting Rules
You may post new threads
You may post replies
You may not post attachments
You may not edit your posts
BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On


text:
Good to go in CT.
This is a discussion on Does Outbac Steak House limit Concealed Carry in your state. within the Concealed Carry Issues & Discussions forums, part of the Defensive Carry Discussions category; This is interesting - because their stores in Minnesota aren't signed. I'll be dropping them a note tonight advising them of my decision to dine ...
This is interesting - because their stores in Minnesota aren't signed.
I'll be dropping them a note tonight advising them of my decision to dine elsewhere from now on.
NRA Life Member | NRA & MADFI Instructor | Blog | Twitter | Facebook
My views are my own - they may or may not reflect those of my employer.
There are a lot of people responding, "Okay here", "No problems", or "Good to go". Sign or no sign, as I see it, if Outback has a problem in TN, then they also have a problem everywhere else. I see no reason for me to every patronize a Outback again (as well as Hooters).
I will be writing them (as well as Hooters) to inform them of my dissapointment regarding their decision to deny citizen's their rights. Even more importantly, that I will no longer patronize their business.
Last edited by barracudamagoo; August 28th, 2009 at 11:07 PM. Reason: Edit to add
If they don't want my money, that's fine. I haven't been to Pizza Hut since they fired Ronald Honeycutt in June 2004 for defending his life while working for them. My friends don't go either and 1 of their Huts in Marquette, Michigan doesn't exist anymore. They wouldn't even answer my email.
Les Baer 45
Sig Man
N.R.A. Patron Life Member
Outback is called the Outhouse by my family.
I ate there once. I didn't care for the food, it was terrible (I won't even mention the service). I have never been back, and will not.
But now I can blame it on bad food and anti-guns...
I've open carried IAW VA state law in the Outbacks here in Richmond. The ones I've been to are not posted. I understand possibly some in NoVA are posted, but not sure on that. I do not ask if they allow you to carry, if they aren't posted I'll carry IAW state laws.
Did I mention I eat at Outback for free. My credit card offers special deal for the use of points for Outback gift cards (so it is like 1/2 off for food I get from points). I never carry a credit card balance, so it really is free food for me.
Drifting off topic, but just not sure I'm going to change where I eat based on this topic. The problem is not Outback, they may share some blame, but they are not the cause. Now if I lived in a state where it was an issue, I would not go to a chain that did not allow CC.
NRA Life Member
MN, I carry in the Outback all the time.
Signs mean nothing in Utah and we can carry in bars here. I dont eat at Outback anyway.
"Government is not the solution to our problem; government IS the problem". - Ronald Reagan 1981
Not in GA. Not even if they tried
Last edited by gottabkiddin; September 1st, 2009 at 09:43 AM. Reason: small addition
Mr Ruberto,
I believe this is your response to questions about your policy about concealed carry in Tennessee:
"While we respect the right of all citizens to bear arms, it is our decision to not allow people to do so in our restaurants. This is a corporate decision. We are not disrespectful of the rights of gun owners, we merely want all of our guests to feel welcomed and safe, and frankly see no need for guns to be brought into restaurants."
So what I would like to know is what level of comfort do you want your guests to experience? These twenty three people were guests at a restaurant that did not allow concealed carry and I don't think they would feel welcome or safe in your restaurant.
Do you really believe that a sign keeping legally authorized, law abiding citizens would contribute to the safety of these victims? Do you think if a NO GUNS ALLOWED sign was posted at Luby's on Oct 16th, 1991, that George Jo Nennard would have chosen a different restaurant in which to commit mass murder?
Please , do explain in more detail how banning concealed carry will make guests "welcome and safe" as facts and history contradict this policy.
Remember, there are now two things Texans never forget, the Alamo and the Luby's massacre.
Since Davy Crockett was a honorable and armed citizen who came from Tennessee, to stand with his Texas brothers, we Texans are surely going to help out our brothers from Tennessee. If that means never setting foot in one of your restaurants again, then so be it.
AnXXXX XXXXX
Austin, TX
Patricia Brawn Carney 57 Belton, Texas
Jimmie Eugene Caruthers 48 Austin, Texas
Kriemhild A. Davis 62 Killeen, Texas
Lt. Col. Steven Charles Dody 43 Fort Hood, Texas
Al Gratia 71 Copperas Cove, Texas
Ursula Edith Marie Gratia 67 Copperas Cove, Texas
Debra Ann Gray 33 Copperas Cove, Texas
Dr. Michael Edward Griffith 48 Copperas Cove, Texas
Venice Ellen Henehan 70 Metz, Missouri
Clodine Delphia Humphrey 63 Marlin, Texas
Sylvia Mathilde King 64 Marlin, Texas
Zona Mae Lynn 45 Marlin, Texas
Connie Dean Peterson 55 Austin, Texas
Ruth Marie Pujol 36 Copperas Cove, Texas
Su-zann Neal Rashott 30 San Antonio, Texas
John Raymond Romero Jr 33 Copperas Cove, Texas
Thomas Earl Simmons 55 Killeen, Texas
Glen Arval Spivey 44 Harker Heights, Texas
Nancy Faye Stansbury 44 Harker Heights, Texas
Olgica Andonovsk Taylor 45 Waco, Texas
James Walter Welsh 75 Waco, Texas
Lula Belle Welsh 64 Waco, Texas
Iva Juanita Williams 64 Temple, Texas
Luby's massacre - Wikipedia, the free encyclopedia
Last edited by andr0id; September 1st, 2009 at 02:08 PM.


text:
Hadeel Al D
Reviews: 23
- Member since 22 August 2011
- Favorite place: Japengo Restaurant
- Place of residence: Dubai
- About me seriously nothing much
Hadeel's activitiesMore
All . Reviews . Ask Jeeran . Photos My Hearts
Wrote a comment on Shweta Kapoor review on Tim Hortonsi red an article about this place, their coffee is full of artificial ingredients that are quite unhealthy for the human body it was scary how many weird ingredients in such a small cup of coffee and without mentioning the big amount of fat in each…
Wrote a comment on Arwa Alani review on Charles & Keithi love this store they have great sales now, adorable bags
Answered a question Lunch time !!
Wafi Gourmet has the best Fattoush eveerrrrrrrrrrrrrrrr Read more
Answered a question November "Most Useful Review" Competition Winner
oh the competition between all Jeeran sites!! i thought its only for Jeeran Dubai!! Read more
Answered a question Lunch time !!
but if am really hungry, then Al Halab was my choice since they serve 3 main dishes that changed daily :) Read more
Answered a question Lunch time !!
used to run for the nearest cafe for Salad and frsh juice Read more
Wrote a review on Bob's Easy Diner
I love Burger, and love it when a friend of mine recommends restaurant that is specialized with great Burgers, so Bob's diner was highly recommended for both tremendous burgers and amusing décor… Read moreover 5 years ago in Dubai. Add comment
Wrote a comment on Deb Rawlins review on Hey Sugarcupcake shake!! cant imagine how it tastes like
Answered a question Share your opinion and Win an iPad2
aha keep going J what elss, just kd :) Read more
Answered a question Share your opinion and Win an iPad2
Oh no you didn't Jeeran!! Did you just said old!! No reviews for you :pppp Read more


text:
Last Saturday I took a little stroll to Olbrich Botanical Gardens in Madison for a plant picture taking fiesta. I have to admit it was a little sad I couldn't identify a lot of the plants. This first batch of pictures are from the gorgeous Sunken Garden, Meadow Garden and Rock Garden.
Olbrich was always one of my favorite places to take pictures when I was learning how to use my first film SLR camera years ago. It was looking spectacular.
It was a little too early for the lily pads to make their appearance in the pond, but the containers are looking fabulous!
Had no idea you could grow these guys back east. I found these guys hanging out in the Meadow Garden while making my way to the Rock Garden.
Thought this was a euphorbia, but it's in the Lamiaceae family. Crazy! Stay tuned for more Olbrich posts. I was able to find every succulent in the place, along with some amazing peonies, the Thai pavillion, veggies, roses and more.
Categories: gardening | Tags: Alpine Skullcap, california poppy, container, Eschscholzia californica, iris, madison, meadow garden, olbrich, olbrich botanical gardens, rock garden, Scutellaria alpina, sunken garden, wisconsin | Permalink


text:
Inclement weather reminder~~We will post our studio closing on Facebook and send an email notification to our newsletter list. If you signed up for a class, and we are closing the studio, we will notify you via email. If the weather is bad, please check Facebook or check your email for closings.
- 2016
- 2015
- 2014
- 2013
- 2012
- 2011


text:
#1: One overal Product?
Is there one product that just does it all? I'm type 3a, and don't have a lot of money or time to go out and buy a bunch of products, then spend an hour putting in my hair each morning one by one, is there one product that controls frizz, and holds curl well alone? I'm on the hunt!


text:
US STOCKS-Wall St surges to new records, boosted by cyclicals
* Wall Street closed a fifth week of gains on Friday
* RenaissanceRe to buy Platinum for $1.9 bln
* Cyclical shares lead while telecom falls
* Indexes up: Dow 0.1 pct, S&P 0.2 pct, Nasdaq 0.4 pct (Updates to market open)
By Ryan Vlastelica
NEW YORK, Nov 24 (Reuters) - U.S. stocks rose on Monday, with major indexes hitting fresh records on the back of multiple merger deals and hopes that China will take further accommodative monetary policy action.
Equities closed a fifth straight week of advances Friday, with the Dow and S&P 500 ending at closing records on the back of accommodative action from central banks in China and Europe.
Sources told Reuters that the Chinese leadership and central bank were ready to cut interest rates again and loosen lending restrictions. Such policy changes in the world's second-biggest economy could spur more market gains.
"The carry-over effect from China, taken with the fact that the U.S. is pretty healthy, and you have a market with a bias to trend higher, especially on the cyclical front," said Mike Gibbs, who helps oversee more than $500 billion as co-head of the equity advisory group at Raymond James in Memphis, Tennessee. Continuación...


text:
I guess no HKpro members have checked the accuracy of their 91's???? Help please? I need to decide if it is worth picking up a standand HK 91 with a Standard Barrel.
WTK accuracy of Standard FACTORK HK 91 with FACTORY HK 91 STANDARD LEGNTH BARREL from 100-500 yds. Please let me know and If possible post pics of targets and ammunition. I am curious to see what the performance is with Federal 168Gr BTHP Match King. Willl this perform MOA or Sub-MOA with this ammunition? Any feedback will be greatly appreciated.
HK 91 with MSG 90 type conversion.
Formerly owned clones:
MP5SD (RDTS replics SD)
I guess no HKpro members have checked the accuracy of their 91's???? Help please? I need to decide if it is worth picking up a standand HK 91 with a Standard Barrel.
But no, I doubt you'll get MOA, and definitely not sub-MOA on a factory HK91. I get around 1-1.5MOA with my SR9T. My 91's get more like 2-3MOA with the same scope. Cheaper ammo gets more like 4-5 MOA.
Hidden Content
I have never consistantly gotten MOA, let alone "sub" with any consistency, even with FGMM.
I average around 1.5 - 2" groups at 100 yards. On occassion, I have gotten a few sub-moa 5 shot groups out of it, but I tend to look at them as flukes, as I cannot duplicate them with any degree of regularity.
I started to go the MSG-90 route in a conversion but figured, for the money involved, that there were other platforms that promised greated accuracy.
Still haven't tried to handload for the 91. I'm hoping to do some experimenting in the not too distant future.
What is the rate of twist for the HK91 anyway? I know my clone is 1x12. Just curious.
With the short barrel a lot will depend on the ammo. 150g Privi pellets and open sites is OK. 168g SMK pellets can be amazing in hand loads. I have one batch of CAVIM brass with ten loads on them.
MOT 150g hand loads
168g SMK is good for soda can dancing at 300y.
What is it your looking for?
i only shot 2 clips through my 91, I averaged between 2 and 5 inches at one hundred yards depending on ammo. One clip of georgia arms 168 hpbt match averaged a little under two inches with one flyer, 1 clip of mil surplus was closer to 5. I'm also pretty much blind, so take it for what it's worth......
Accuracy to 500 yards is Minute-of-Man!! ;) IT IS, AFTERALL, A BATTLE RIFLE!
Seriously, with the shooter doing his/her part and with good ammunition, the HK91 is capable of consistent 2-3MOA accuracy out to 500 yards. I have owned 91's in various configurations for almost 2 decades and have never had one that would shoot MOA. The best accuracy with the best ammo out of the best 91 I have owned would print just under 2MOA (168gr FGMM and BH).
My SR9 TC will should right at 1.5 MOA no matter what I feed it (weird...I know). It really has almost no accuracy difference between $30+ per box BH or FGMM and rack-grade Winchester/Remington/etc.
As for the MSG-90 route...I went there and mine will print just over MOA with "good" commercial ammo and with 168gr and 175gr BH and handloads, it will shoot sub-MOA all day from the bench using a Leupy Mk4 M3 3.5-10x40 scope.
"Better pointed bullets than pointed speeches."
USP Match 45
USP Expert 9mm
USPc 45
MSG-90 Clone
Clips are used in M1's. ;)
And if you guys can get 1.5 MOA out of an SR9T with even cheap ammo, then mine must have been shot a lot before I bought it. On a no-wind day, laying it perfectly still on a bench rest, I can't get better than 3 MOA with cheap soft point ammo.
Last edited by AviatorDave; 10-17-2008 at 01:13 PM.
I also routinely put all 5 insidde a half inch red dot sticker.
Handloads, mild, pushing 168 MKs.
I have heard many people, relativley, who say their Sr9T won't shoot well, and very few who have excellent shooters.


text:
Are you heading for Barcelona to follow up with your academics but you're still not sure where to stay during that period?
How about staying in the heart of the city? After you take a look, we're sure the decision will be easy!
This homely apartment features two bedrooms, a functional kitchen where you can cook anything you need, a cosy and bright living room and a bathroom. You will also have the perk of staying in proximity to several key spots, such as to transport links, cultural sites, several shops and universities such as Barcelona-University.es and Universidad Oberta de Catalunya.
So, why wait? Pack your bags!
Find out more about this property's common areas in our photo gallery.
Looks like no one had the time to review this place yet!
These conditions were defined by the Provider and are subject to change.
We have verified this property. We are still working on having the Landlord's contacts and documents fully verified.
Getting Around
Your new neighbourhood
La Sagrada FamíliaDiscover more about La Sagrada Família
Path to university
At Uniplaces we make the process of booking an apartment as easy as possible for both tenant and landlord.
That's why we have our own team of professional photographers that verify our properties and pick our landlords carefully in order to save time on viewings: we think it's old-fashioned and time-consuming.
You can look at forty different apartments on our platform in the same amount of time that it takes to see a room.
The pictures you see here haven't been photoshopped, so they'll be really accurate.
If you've still got any doubts, we'll keep the money that you transfer us until 24h after your move-in date.
If something's not exactly what you saw online, we'll help you move somewhere else and return your money.
We can only give you the contact details of your landlord after your booking is accepted. But we can guarantee that Uniplaces chooses the landlords it works with very carefully.
Besides, we've had students whose favourite part was living with a local!
Landlords and host families can be great city guides, help you out with translations and even become your friends.
As soon as your booking is accepted, you're given the landlord's contact details. Then, you can discuss all details directly with them, such as when you'll be moving-in.
Students move in and out at different times, so your flatmates might change during your stay.
It's a great opportunity to make new friends!
We personally speak to students who we place in Uniplaces apartments and are sure we will find the right place for you as well!
At the bottom of the property page, you have a calendar where you can see the availability of that room/apartment, according to the landlord.
But if you're still unsure about that we're happy to help.
Tell us your move-in and move-out dates and we will double-check if the place is available for you!
There are two different types of deposits: the Holding and Security deposits.
By clicking on "Deposit" at the bottom of the offer page you will get more information about each type of deposit.
In general, the deposit is paid to cover for any potential damages that may occur during your period of stay or will be used as rent compensation in case you leave earlier than originally planned.
If no damages occur and you leave on the agreed move-out date, your deposit should be refunded by the landlord in a way you both agree on.


text:
Tao Dong
Dr. Tao Dong is a User Experience Researcher at Google, located in Mountain View, California. His current research is focused on cross-device user interfaces and multi-device eco-systems. He holds a PhD in the field of Human-Computer Interaction from the School of Information at the University of Michigan.
Google Publications
Understanding the Challenges of Designing and Developing Multi-Device Experiences
Tao Dong, Elizabeth F. Churchill, Jeffrey Nichols
DIS '16 Proceedings of the 2016 Conference on Designing Interactive Systems


text: LEGO Technic 42040 Fire Plane Building Kit at Amazon in Amazon Coupons / Editors Picks / Toy Deals Brand: LEGO $49.99 $38.00 Free Shipping over $49 Get deal & save Store Discount Ends Soon Store Discount Ends Soon EXPIRES:Soon Use the coupon code below: Shop at Amazon Never miss coupons from Amazon! We'll send you the latest and greatest brand name deals. Email Address Submit × SHARE:


text:
How to Buy
Solutions Overview
This script is Copyright (C) 2012-2017 Tenable Network Security, Inc.
Synopsis :
The remote web server hosts a PHP application that contains a
cross-site scripting vulnerability.
Description :
The version of SimpleSAMLphp on the remote host contains a cross-site
scripting vulnerability because it fails to sanitize input to the
'link_href' parameter of the 'logout.php' script before including it
in a web page.
An attacker can leverage this issue by enticing a user to follow a
malicious URL, causing attacker-specified script code to run inside
the user's browser in the context of the affected site. Information
harvested this way may aid in launching further attacks.
Versions of SimpleSAMLphp containing this vulnerability may also
contain another cross-site scripting vulnerability in no_cookie.php,
but this script did not test for that.
See also :
Solution :
Upgrade to version 1.8.2 or later.
Risk factor :
Medium / CVSS Base Score : 4.3
CVSS Temporal Score : 3.7
Public Exploit Available : true
Family: CGI abuses : XSS
Nessus Plugin ID: 57635 ()
Bugtraq ID: 51372
Get Nessus Professional to scan unlimited IPs, run compliance checks & more
The cookie settings on this website are set to 'allow all cookies' to give you the very best website experience. If you continue without changing these settings, you consent to this - but if you want, you can opt out of all cookies by clicking below.


text:
Freezing temperatures endanger Athens' homeless
Snow blankets Athens, Greece as a sudden cold spell sweeps the country.
Temperatures in the capital fell to five degrees Celsius and were expected to drop to minus 13 in the northern part of the country.
The cold is threatening Greece's homeless population, which has grown an estimated 25 to 30 percent since the economic crisis began in 2009.
Municipalities have set up projects to help, including implementing emergency cold weather plans.
"Without a doubt the situation is much more severe than before," says the director of Athens homeless projects.
Aid workers are handing out food, clothes and blankets, but say they need all the help they can get encouraging those on the streets to go to temporary shelters.
See our Comments Policy Comments are submitted under the express understanding and condition that the editor may, and is authorised to, disclose any/all of the above personal information to any person or entity requesting the information for the purposes of legal action on grounds that such person or entity is aggrieved by any comment so submitted. Please allow some time for your comment to be moderated.


text:
CORRECTED-UPDATE 3-Scotiabank reins in mortgage lending, stays vigilant
(Corrects identity of executive named in 3rd and 5th paragraphs to James O'Sullivan, group head for Canadian Banking, from James McPhedran, executive vice president, Canadian Banking)
* Bank ceding mortgage market share -executive
* More mortgage applications being declined -executive
* Third-quarter earnings C$1.55 per share vs C$1.48 forecast
By Matt Scuffham
TORONTO, Aug 30 (Reuters) - Bank of Nova Scotia, Canada's third-biggest lender, has pulled back on mortgage lending in its domestic market, potentially insulating itself if house prices fall in Vancouver and Toronto.
Canada's banks face heightened scrutiny of their mortgage underwriting practices as authorities try to tackle the potential threat of a housing bubble in the two cities, where prices have soared.
"We've ceded some market share. That is very much a choice," James O'Sullivan, group head for Canadian Banking, told investors after the bank reported third-quarter earnings that beat analyst estimates.
"I think we're being prudent, I think we're being vigilant in this market but we're not overly concerned. We believe we've constructed a very solid mortgage book here," he said. Continued...


text:
USDJPY Daily Forecast: December 21
USDJPY Forecast:
The USDJPY attempted to push lower on Friday, bottomed at 88.90 but failed to break below 88.80 key support area and whipsawed to the upside, closed significantly higher at 90.47. On h4 chart below we can see that it was a case of a false breakdown from my trendline supports (red, blue) which could trigger significant bullish momentum and keep the bullish scenario intact. I am in a buy mode but the bias is neutral in nearest term and we need consistent movement above 90.70/80 area to continue bullish towards 91.31 even 92.30 area. Immediate support at 90.10. Break below that area should lead us into no trading zone but as long as price move above the blue trendline support, I still prefer a bullish scenario.
Forex Trader Library
Receive over 15 hours (8 CD's) of our best Forex trading education in one package! Containing the newest Advanced Forex CD, this education pack focuses on exactly what you need to know to become a successful Forex Trader.


text:
The Tallmadge softball team improved to 5-1 overall and 3-0 in the Suburban League after posting a lopsided 15-0 victory over Copley April 16 on the road.
The game was called after five innings due to the 10-run mercy rule.
The Lady Blue Devils scored four runs in the first, eight in the second, one in the fourth and two more in the fifth.
Tallmadge finished with 18 hits and no errors. Copley had one hit and no errors.
The Indians (0-6) got their only hit with two outs in the bottom of the fifth when Sami Smalley ripped a single to right field.
Lady Blue Devils' right-hander Kirsten Lightel went the distance in the circle. She finished with 11 stirkeouts and did not issue a walk.
Lexi Philen had four hits, including a double, three runs scored and a run batted in.
Sierra Bennett finished with three hits, including a double, three runs scored and three RBIs.
Joanna Catalano also had three hits, three RBIs and two runs scored.
Mackenzie Gershom finished with two hits, including a double, an RBI and a run scored.
Brittany Wakefield added a two-run triple and Lightel had a run-scoring single.
For more, see the April 20 edition of the Tallmadge Express.


text:
BMW expands credit card program with $10K towards your next BMW
Offering unique benefits and exclusive rewards including up to $10,000 towards the lease or finance contract on a new vehicle designed specifically for members of the BMW community, BMW Bank of North America re-launches a new, three-tiered BMW Credit Card program.
The expanded Visa® credit card collection encompasses the BMW Card, the BMW Signature® Card and the BMW Ultimate Card issued by the BMW Bank, a wholly owned subsidiary of BMW Financial Services NA, LLC.
The re-launch targets existing cardholders, introducing them to the new program and, where applicable, inviting them to upgrade to another tier, all without changing their account numbers.
Cardholders will have access to a range of premium reward redemption options developed from customer feedback and realigned with the BMW brand, including enhanced point earnings and a broader array of redemption levels.
In addition to redemption of points toward the lease or finance contract on a new BMW of up to $10,000, cardholders rewards will include the ability to purchase additional lease miles, pay for service and repairs and lifestyle merchandise at BMW centers, and attend exclusive BMW events.
New points earning opportunities are driven by a combination of the credit card selected by the customer and the type of purchase made. Customers can earn more points on their purchases made at BMW centers 3x, 4x or 5x per dollar spent.
A dozen years ago we introduced the BMW Card to provide our customers, members of the BMW community, with a card tailored to their active lifestyles and rewarding them for being part of the BMW family, explained Ken Petersen, President and Chairman, BMW Bank of North America. Although the card has been extremely successful, customer feedback and a decade of change drove our decision to enhance our card products, but the heart of the program remains the same.
The BMW Credit Card benefits go beyond points for purchases with bonuses for spending on gasoline and at BMW Centers. And there are BMW-unique rewards for point redemption including branded merchandise and toward vehicle purchases.
The BMW Card is another way for us to reward loyalty a way for BMW Financial Services to show its commitment to its customers and a means for the BMW community to show its passion for the brand, added Petersen.
Any special link to the details?
BMW didn't include any, sorry.
no prob, just curious :)
|All times are GMT -7. The time now is 07:34 AM.
Powered by vBulletin® Version 3.8.7
Copyright ©2000 - 2017, vBulletin Solutions, Inc.
© 2001-2015 performanceIX, Inc. All Rights Reserved .: guidelines .:. privacy .:. terms


text:
posted by alsa .
Integral of ln(sinx+cosx) with respect to x from -pi/4 to pi/4
sin(x) + cos(x) = sqrt(2) sin(x + pi/4)
So, the integral can be written as:
pi/4 ln(2) + Integral of Log[sin(x)]dx from 0 to pi/2
Let's call the integral in here I:
I = Integral of Log[sin(x)]dx from 0 to pi/2
Then note that because sin is symmetric w.r.t. reflection about x = pi/2 integrating to pi will yield twice the value:
2 I = Integral of Log[sin(x)]dx from 0 to pi
Then substitute in this integral
x = 2 y:
2 I = 2 Integral of Log[sin(2y)]dy from 0 to pi/2 ----->
I = Integral of
(Log(2) + Log[cos(y)] +Log[sin(y)] )dy from 0 to pi/2 =
pi/2 Log(2) + 2 I
because the integral of log[cos(y)] is the same as the integral of
log[sin(y)], as cos(y) is sin(pi/2-y).
Solving for I gives:
I = -pi/2 log(2)
The original integral is thus
- pi/4 log(2)


text:
Mental Health
Have Mental Health Questions? Ask a Psychiatrist Online
I'm Camille, and I'm a moderator for this topic. I sent your requested professional a message to follow up with you here, when they are back online. Unfortunately I do not know when this may be, as the professionals come on line as they are available. You don't have to stand by, you will get an email telling you when you have received a response. If I can help further, please let me know. Thank you for your continued patience.
Hi and welcome. I am a Licensed Master Social Worker with more than 20 years experience working with individuals and families on a variety of issues.Sorry for the delay in my response. I did not receive any notification that you were looking for me. I think if you are looking for me in the future, begin a new question and put for CoachJenK only at the beginning of it. Tell me what happened that things didn't go well the last time you were together?
this web site is confusing.. it was my birthday evening we met for dinner she was dressed to the nines ,,,, dinner went well she gave me a birthday gift of two bottles of wine red and white and inside the wine gift bag were two condoms and a body gel... I didn't peek inside until she went to the ladies room I smiled and said finally! I may get to have sex with her... so after dinner we went to a casino did some gambling then she was fairly drunk she then wanted to go to browse the shops at Caesars she went into two or three stores then went into a dress shop called bebe and spent over an hour there at least.. I was getting tired and went to wait outside... the store started to close and I looked inside and she did not seem to be in side I looked from two different angles thru the glass and did not see her,, so I figured she left thru the back door... I texted her about 10 mins later and asked where she was she said she left cause she didn't see me... so I said that was BS and she went home...I told her that wasn't cool to lead me on about the condoms in the gift..and it was a mean joke
I know it is time to move on but the tough part is letting go.. we did have a good time most of the time we seemed to have a connection...I neglected to inform you she said it was meant as a joke that's why I told her to me it was a mean joke..so my dilemma is trying to figure out what I could have differently and why it is hard to accept it was another failed relationship..so much more but that's it in a nutshell