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Terrible Service
I'm starting with, i bought a motorcycle and on my first payment i couldnt summit the payment online so i called and they charge me $15 each time i called to pay. So i work with my bank and the send them a check for the payoff amount. Two weeks later i called to verify if they had receive the check because i have receive a notification or an email from them. Theres when i found out the the had receive the check but the motorcycle wasn't payoff due to an insurance they put on the motorcycle (without my concern). I asked them why and they said that they didn't had proof of insurance and " they send 3 letters to my address and never got a response" (wish i NEVER receive). So i asked them WHY they didn't email me and they never respond to that. So i fax them proof of insurance (whitch i had since the day before i got the bike) and i was notify that i still have to pay $400 extra for the 3 month i had the bike with there insurance because my insurance wasn't full covered. That's the only way they can release the title. And not counting the lady on the other end had an attitud. VERY, VERY DESAPOINTED OF THE CUSTOMER SERVICE, THERE APP AND THE ONLINE SITE. Will NOT recommended tehm to no one. If you are thinking of doing a loan with them STOP!, turn around and take your hard working money some where else.


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Rosalie DarkHeart
Words Hurt - Poem by Rosalie DarkHeart
I know you love me
But you cant see
How some of your words really cut me deep
Somtimes i even feel as if Not a soul understands how I feel
All alone like nothings real
My head is about to explode!
I'm blue
and upset
Mabe a bit depressed
Even the walls are starting to yell my name sayin
It's ur fault for everything that's wrong!
Tempers flare we all glare
But things don't get better I'm falling down a hole
getting lost inside my own soul
Nobody can hear my silent screams
No one understands the pian
but When I tell them how I feel it's like they don't think I'm for real
But I don't let it bother me anymore I shut out the hurt like a window does rain because I know the words will only last a day and then I will be okay again as if it never happened. . . . . . . But it did
Comments about Words Hurt by Rosalie DarkHeart
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Edgar Allan Poe

subset: commoncrawl


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Welcome from the President
Dear Friends of Cristo Rey,
At Cristo Rey Sacramento our mission is to provide an affordable, college preparatory, Catholic education to young men and women with limited financial resources.
Cristo Rey Sacramento has an impressive record of success; to date we have graduated 440 students. Our students don't simply gradate high school, over 96% have been accepted to colleges and universities. Our students go to college with employable skills which help them pay for their college education, which ultimately, will help them break the cycle of poverty. Their success is a result of a culture of goal setting and achieving high standards by blending rigorous academics, four years of professional work experience and Catholic morals.
We are profoundly grateful for all who support Cristo Rey, our Work-Study sponsors and generous donors who believe in the mission of Cristo Rey Sacramento.
On behalf of our co-sponsors, the Sisters of Mercy and the Jesuits (Society of Jesus), the Board of Directors and the entire Cristo Rey community, we thank you most sincerely for your support and invite you to come visit our students and experience what Cristo Rey is all about.


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Featured News | March 20, 2014
From the National Endowment for the Arts:
NEA's Challenge America Fast-Track Director Michael Killoren will present a webinar on Wednesday, April 2, 2014 from 3:00 – 4:00 PM ET to help potential applicants navigate the application materials and process. There will be an overview presentation of CAFT guidelines, followed by a Q & A.
The Challenge America Fast-Track (CAFT) category of funding supports primarily small and mid-sized organizations for projects that extend the reach of the arts to underserved populations—those whose opportunities to experience the arts are limited by geography, ethnicity, economics, or disability.
The Challenge America Fast Track deadline is May 8, 2014.
How to join the webinar
Please register in advance on the NEA's webinar page at here. You can listen using your computer's speakers or dial-in to 1-877-685-5350 and use participant code: 739587. Attendees will be muted but able to type in questions and comments through a Q & A text box.
An archive of the webinar will be available shortly after the webinar on the webinar section of the NEA's website.
More information on Challenge America Fast-Track
Challenge America Fast-Track grants:
Recent CAFT grants
Columbia Film Society, aka The Nickelodeon Theatre
Columbia, SC
To support the Blacks in Cinema: Past, Present, and Future Film Festival. Project activity includes screening of films historically significant to the African-American community, guest speakers, and educational programming, as well as screening documentary films created by local participants in a media literacy and media production training program.
Douglas Manship Senior Theatre Complex Housing
Baton Rouge, LA
To support an interactive workshop by jazz musician Jonathan Batiste for children living in the local detention center and in foster care. Jazz musician Jonathan Batiste, along with his band Stay Human, visit the detention center to perform an interactive workshop for children living in the center as well as those recently been placed in foster care.
Omaha Performing Arts Society
Omaha, NE
To support performances and related outreach by Ronald K. Brown's Evidence Dance Company and the Martha Graham Dance Company. Free outreach activities include master classes for the public and several Title I schools, concert lectures, and a storytelling-through-movement workshop led by Ronald K. Brown.
SAY Sí
San Antonio, TX
To support the SAY Si Media Arts Studio. A documentary filmmaker offers a series of media arts workshops, intended to serve economically disadvantaged, predominantly Hispanic youth. The workshops, covering topics such as cinematography, lighting, sound-mixing, and editing, as well as other stylistic and artistic concepts, allow underserved students to create short documentaries.
For sample application narratives, go to the Freedom of Information Act Reading Room.


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by Staff Writers
Yasny, Russia (RIA Novosti) Nov 25, 2013
A Dnepr rocket carrying a number of international satellites delivered its cargo into near-earth orbit Thursday following a launch from the Yasny facility in Russia's Orenburg province.
"The launch of the heavy converted Dnepr rocket with foreign satellites was carried out in normal mode at 11.10 a.m. Moscow time," a Strategic Missile Forces representative said. "All the space systems successfully separated from the rocket."
The payloads transported by the Dnepr, which is based on the RS-20 intercontinental ballistic missile (NATO codename SS-18 "Satan"), include the UAE-owned DubaiSat-2 observation satellite, UniSat-5, a microsatellite created under a University of Rome program, and South Korea's STSAT-3 multi-purpose microsatellite.
Other satellites on the Dnepr also include the SkySat-1 and AprizeSat-7/8, both from the United States, the Brite-PL from Poland, Denmark's GOMX-1, and a WNISat from Canada.
The larger satellites, which included the 300-kilogram (660-pound) DubaiSat-2, were to be deployed within 15 minutes of the launch.
This is the second launch of a Dnepr rocket in 2013.
At the end of August, the rocket was used to carry the South Korean KOMPSat 5 multi-purpose satellite into orbit.
The RS-20 is the most powerful ICBM in the world. It was first launched in 1973 and is still in service with Russia's Strategic Missile Forces. RS-20 missiles are being gradually removed from the Russia's arsenal and converted into Dnepr launch vehicles.
Source: RIA Novosti
Related Links
Microsat News and Nanosat News at SpaceMart.com
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"Incest? You don't have to be shy about what it's called. And yes, I 'really have a thing' for it. I think it's so romantic and cute how two people have to overcome social and traditional barriers to experience love. And once they do, it makes everything so much more rewarding. There's nothing more erotic than that."
I nodded, "You've got a great point. I think the thought of something like incest is a lot more common than people want to admit because of how taboo it is. I've obviously thought of it. And...I'd love to experience it one day..."
"Are you hitting on me?"
"Maybe. I only mentioned it because I thought we were being open and honest here."
"Since we're being frank, I wanted to ask you something yesterday but never did because I didn't want things to get too awkward between us, but have you ever masturbated thinking about me?"
I took a deep breath as she stared at me sharply. "I might have done it a few times in my life. Well, maybe a little more than that. I've always thought that you're an amazing woman with a great personality and a fantastic body. I'd even go as far as to say that you're my ideal woman and my best friend. There, I said it."
She smiled, "You know, back when I started developing this incest fantasy, I used to masturbate by the pool whenever I was home alone after swimming in it. I imagined by brother and mom having sex and oral sex in the pool, and of course a lot kissing. After our little chat yesterday, when I came back home later in the afternoon and I was home alone, I did it again. I masturbated by the pool for the first time in decades, and instead of fantasizing about my brother and mom or some generic mother/son couple, I imagined it was us. It's the first time I had ever had that thought."
I was speechless for a moment. In that period of time, I felt something I had never felt before- a combination of pure eroticism, lust, and love.
"God...I'm almost at a loss for words. You really caught me off guard with that. Have you ever...you know...thought about what it would be like to take the next step."
"Fantasy and reality are two different things. I honestly don't know if I could go through with this in real life."
"What about showing me?" I asked, taking a huge risk. "No one would ever know. It would be something nice between us."
The look on her face showed just how conflicted she was. On one hand, she knew that this was something extremely taboo which she could never take back. On the other hand, this was as much her fantasy as it was mine.
"Just this once," she replied bluntly. "And only because you've been such a good son to me for all these years. Some of my friends tell me about how their kids rarely want to talk to them or help out around the house. So this is my way of showing a little appreciation. Enjoy it..."
She lifted herself out of the water and sat on the concrete floor with her feet on the edge of the pool. Her eyes shifted around to ensure that none of our nearby neighbors were watching, and in one quick swoop, she reached down and pulled her bikini bottom off and tossed it behind herself.
My eyes were fixated on the sight between her feet as she sat in a crouching position with her butt on the floor. I immediately became rock hard seeing the muscles of her thighs being flexed to hold the position. Her crotch was perfectly smooth and had a pale white tan line on it which was in the shape of her bikini bottom. And most of all, I was enthralled by seeing cunt spread wide open. Her labia was average sized and her inner hole was bright pink, and had pool water dripping down from it.
"So what do you think? Do I live up to your high expectations?"
"I love it," I replied. "You've got a beautiful vagina mom. And those tan lines of yours are a real plus."
"Thanks," she said, almost wanting to blush. "Now enjoy the show."
She licked her index finger and brought it down to rub her private area. My rock hard erection throbbed as she rubbed her clitoris in a circular motion, and every so often she would reach even lower to touch her pink flesh and bring her vaginal fluids up to her clit. It looked like something out of a porn video, but instead of it being some porn star or a homemade amateur, I was watching my own mother giving me a private show.
"What are you thinking about?" I asked.
"What do you want me to think about?"
I thought for a moment. "Think about us. Imagine that it's me touching you."
Her eyes closed and her fingers picked up speed. Her mouth opened and her breathing became harder at the thought of us together. The muscles in her arms and thighs started to tighten, and her toes started to wiggle. She was clearly enjoying this moment of incest as much as I was.
"Oh my god..." she moaned.
Just as her feet started to clench the top edge of the pool and her back started to arch, she put her hand over her vagina to cover it and ended the show.
"That's enough for one day," she said, trying to hide her labored breathing. "I may have went a little overboard with that."
I tried my best to hide my obvious disappointment, and acted as diplomatic and mature as possible.
"Mom, I hate to be this blunt, but that was one of the hottest things I've ever seen in my life. I'm just sad it's over."
She smiled, "All good things come to an end don't they? Now if you'll excuse me, I need to shower now or else I'll be late."
With that said, she got up, picked up her panties, and walked bare bottomed back inside the house. I got a real eye full watch her sculpted rear end sway back and forth with every step she took.
The rest of the day was the same as before. My mother was busy all afternoon and I went out with friends again that evening. When we saw each other at night, she greeted me with a wink and a smile, and I greeted her the same. We were a little more flirtatious and playful than usual, but we never brought up the sexual encounter we shared because of would have made things awkward in that short amount of time that we saw each other. And who needs that?
I woke up nice and early the next morning and headed down the stairs after washing myself. My mother was in the kitchen wearing her silk robe and drinking a cup of freshly squeezed juice.
"It's 9 am," she said after looking at the clock. "I'm actually kind of impressed that you would get up this early on your own free will."
"What can I say? You've really gotten me addicted to a morning swim and sunlight to start my day. Well, that plus the other thing..."
She nodded, "I know, talking about sex and putting on that little show for you won't exactly earn me the Parent of the Year award, but at least we've really gotten to bond with each other right? In some ways I know more about you now in these past two days than in the past few years. Most young men your age don't even bother to have a personal conversation with their parents anymore."
"To be fair, most young men my age don't have a mother as loving or as beautiful as you are," I replied.
"That's very sweet of you to say. I wasn't planning on it this morning, but I'm assuming you want us to go swimming again."
"Sure. Unless you're busy or you're not in the mood..."
"I'm up for it," she replied happily. "Just give me a second to change into my swimsuit and I'll be outside in a heartbeat."
I gave her a suggestive look. "You don't need a swimsuit. You look great the way you are mom."
"I'm wearing a blouse underneath this robe and nothing else," she replied with an eyebrow raised.
"Please don't hit me over the head with a frying pan for asking this, but it's a beautiful summer morning, and I have a powerful urge to strip off my clothes and just dive in the pool. What do you say? Let's go skinny dipping together. I've already seen your most private part already so it won't be that big of a deal."
She paused and gave me a stern look. "Actually, if you had asked me that question a few days ago, I would have hit you over the head with a dinner plate- not a frying pan."
"I believe you. But what do you think now?"
"Now we've already gone far beyond that point for me to be angry. So why the heck not? It sounds like fun and I haven't done anything this crazy in years. Do me a quick favor first and make sure none of our neighbors are outside. They're probably all at work, but you never know."
I pulled off t-shirt and shorts and got completely naked in our kitchen. It felt liberating and incredibly arousing seeing my own mother look me over. I turned around and headed towards the backyard pool.
"Who cares what they think," I said. "I'm sure they'd enjoy the free show."
"What the heck! Are you crazy!?! Get back here!!!"
"Sure. I'll come back in the house after you come get me. And you better hurry or else the neighbors might see us!"
I opened the glass patio door and ran outside to dive in the pool. The look on my mother's face was priceless as she ran out to come get me. And when she came outside, she thoroughly checked our neighbors' windows to make sure nobody was watching."
"Relax," I said, treading in the water. "No one's around. And the water temperature is perfect."
She took off her robe and placed it on the lounge chair, and stood only in a thin blouse. She walked towards the pool and dipped her foot in the water.
"You gave me a good scare for a moment, but this does feel nice. I'm wearing an expensive blouse which definitely wasn't made for swimming, but I guess it'll have to do," she said as she stepped in the pool.
"Hey! You already agreed to go skinny dipping with me and I already got naked. I'd feel like a real creep if I was the only one without any clothes here."
Her eyes once again showed how conflicted she was. "Well...I guess it wouldn't hurt. Besides, you've already seen the most intimate part of me yesterday as you've already pointed out."
She reached down and grabbed the bottom of her blouse and pulled it over her head to throw on the floor, leaving her completely exposed. She stood proud of her naked form. I, of course, was in completely awe of her feminine yet perfectly sculpted and athletic body. She was lean, yet had womanly curves in all the right places. And most of all, her bikini tan lines made her physique even sexier. Her body was tanned from head to toe, yet her skin was fair around her breasts and crotch, and in the shape of her bikini.
"God you're stunning," I exclaimed. "You're perfect. I wouldn't change a thing about you. And those tan lines of yours are a perfect complement to your body. You look great."
She playfully raised her arms to flex her biceps, and then she turned the side to flex her calves and thighs.
"Thanks. I'm glad you approve. Now brace yourself. Here I come!" she yelled before diving in the pool and making a big splash.
She swam a quick lap in the water before heading towards my direction to greet me with a big hug, with or without realizing that her bare breasts and large pink nipples were pressed tightly against my chest.
"This is so much fun. I haven't gone skinny dipping in decades. It makes me feel young again." she said happily.
"You still are as far as I'm concerned. And I'm having lots of fun well swimming with the most beautiful mother in the world."
Her eyebrow raised. "You really love this whole thing don't you? This taboo I mean. The fact that I'm your mother as opposed to some random woman you could meet anywhere adds an extra thrill for you doesn't it?"
"In a strange way it does. This is easily the most exciting thing I've ever done without any clothes on. How about you? Are you comfortable with this?"
"I have a confession to make," she said with a hint of enthusiasm. "Yesterday morning, after I briefly touched myself for you, I went to go shower and I found myself masturbating again. I kept thinking about what I had done and what I was fantasizing about. And let's just say that the shower head wasn't the only thing releasing fluids. I had the most intense orgasm I felt in years thanks to you."
"You mean you squirted while thinking about me?"
She gave a simple nod.
"I'm glad I wasn't the only one," I replied. "I thought about you after you left, later that night, and..."
"I think I get the picture," she smiled.
"So what now? Do you we just go back to being your average mother/son living casually in a house together? After all we've seen and done with each other?"
She held me tighter and pressed her lips against mine, kissing me. And it wasn't your average mother/son kiss either. It was the kind of kiss that I had been fantasizing about for years but assumed would never happen. It was a kiss which showed how much she loved this.
"Does that answer your question?" she asked.
I gave her a few more kisses. "It does. That kiss was a dream come true."
"So what other dreams do you have about me that I've yet to fulfill?"
"Lots of them," I replied. "I've had all kinds of naughty fantasies about you- the kind that I never ever thought I'd be admitting."
She raised her eyebrows. "Now you've got me curious. What are they?"
"Well, I've always wanted to make you squirt. That's one of the reasons why I was so taken back by your admission."
"Then I guess we better finish what we started yesterday."
She let go of me climbed out of the pool to sit on the concrete floor with her feet still in the water. Her legs were spread wide open and her body glistened from the combination of pool water and early morning sun.
I took a few steps forward while still in the pool, and stood with her vagina right in front of my face and placed my hands on her knees.
"Can I touch it? Your private area I mean."
"Fine," she replied. "There's no harm in that. Rub it the way you saw me doing it yesterday. Make sure it feels good for me. You aren't the only one with high expectations here."
My heart pounded as soon as I heard those words. It obviously made her slightly uncomfortable when I first reached forward to touch her clitoris, since it was the first time that either had ever committed incest, but she relaxed when I started to rub. Sexual gratification made up for the simple fact that she was being pleasured by her own son.
She moaned, "Just like that. Press it harder, it's not fragile..."
I pressed my finger harder against her swollen clit and rubbed it even faster. As much as I loved seeing her vagina so up close in my face, it was an even bigger thrill seeing her facial expressions change. She looked far more aroused with me pleasuring her than she did when she masturbated alone yesterday. Her eyes seemed to make every single expression that they could possibly make, and so did her mouth. She would go back forth between clenching her jaw and opening her mouth wide so that she could moan. And her eyes would either clench tightly or be wide open.
"Oh god...I'm about to...I'm about to..."
Without any sort of permission, I grabbed both of her muscular thighs and used them as handles as I leaned forward to orally please her. I licked up and down her labia, side to side, and in and out of her vagina. When I sucked on her big clit and ran my tongue across it, she came. She let out a strong, but muffled moan and I could feel her muscles tense up. A sudden stream of fluids rushed out of her vagina canal and I got a nice little surprise in the form of my mother squiring all over me and into the pool. Her squirt came out strong and fast, and when it was over, she gave me a look of utter disbelief.
"Oh my gosh..." she moaned, catching her breath. "God...that felt better than when I came in the shower yesterday. I can't believe we just did that."
"Neither can I. That was the first time I had ever seen a woman cum like that, and I'm glad it was with you. So...do you think you'd be willing to return the favor? I'm throbbing badly over here."
"You're wish is my command," she smiled. "Let's trade places and we'll figure out the rest after."
She slid back into the water from where she sat, and I got out to sit on the edge of the pool, where she had just been a second earlier. Her eyes were locked onto my erection as it stood right in front of her.
"You weren't joking when you said it was throbbing," she said, looking at my hard penis. "Now let's see if I can handle this properly for you. I'm assuming your fantasy with me starts off with some sort of handjob right?"
Both of her hands rubbed up and down my thighs. They made their way to my crotch before eventually wrapping themselves around my cock.
"Pretty much. The way you're doing it feels nice."
"Tell me what you want me to do next," she replied.
I knew exactly what I wanted. "Stroke it up and down. Like that...All the way from bottom of my shaft and balls, up to the tip of my cock."
Her hands expertly wrapped themselves around my organ as if she had done this hundreds of times and had taken lessons. Her strong grip from years of working out was an added plus.
"Now lean down and kiss it. Kiss the tip of my head."
She raised an eyebrow. "You know that there's no taking this back right? Once I take you in my mouth, our relationship will never be the same again."
I nodded. "I know. But I think it's for the better. This feels right with you. And I'm sure you feel the same way."
"Well, there's only one way to find out."
She leaned down and kissed the head of my cock the way I asked her to. It was a soft kiss at first, and then it was followed by an even stronger kiss. She kissed all around the tip of my cock and it felt as good as it looked.
"Now the shaft," I instructed. "Kiss it all over."
She held my hard cock in her hand and continued kissing me down the length of my shaft. I was surprised by how enthusiastic she was and how she touched each part of my sexual organ with her lips before suddenly stopping.
"Can I suck it now?" she asked with my cock in her hands. "This is much more exhilarating than I ever could have dreamed of. And I think it's time for us to take the final plunge so to speak."
I could have cum right there hearing her say that.
"Please...no one is stopping you...."
She leaned her head down and went straight to work sucking my now raging hard cock. The suction of her mouth was unbelievable and airtight. Her head bobbed up and down faster than I had ever seen in any porn video. (I guess being in great shape does pay off sexually)
"Oh shit..." I moaned. "That feels amazing. Just like that..."
"Mmm...Hmmm...." she moaned back while still sucking.
The vibration of her voice while her mouth was wrapped tightly around my cock sent a shiver up my spine. For the next minute or so, she just kept sucking and bobbing her head at a ferocious pace in a way that I had never seen or felt before in my life.
She suddenly took my manhood out of her mouth and asked, "Are you enjoying yourself so far?"
"Do you even need to ask?"
"So what's next?" she smiled. "Do you have anymore fantasies or instructions for me before you cum? If not, I have something I've always wanted to experience."
"And what's that?" I asked curiously.
"Lie back, on the floor."
I did as she asked and lied on the concrete surface. My cock was pointing straight up in the air and my naked mother got out of the pool and crouched over me. She used her hand to hold up my stiff erection as she lowered her body onto mine.
"Remember when I told you that the thing that got me off the most was hearing about my brother having sex with our mom by the pool?" she said as the tip of my penis touched her labia. "That was my favorite fantasy. I never got to see it and I never will. But now we'll get to experience it for ourselves."
She lowered herself all the way and my cock slipped right inside her vagina. Both of our sex organs were dripping wet from a combination of pool water, our saliva, and her natural fluids- so lubrication wasn't an issue. Even on a hot day I could feel the warmth of her vaginal walls. The flesh of her thighs and rear end felt soft against my skin. She put her hands on my chest and slowly started to gyrate her hips.


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$5.13 6.99 27% OFF at Rakuten.com
Your BlackBerry PlayBook tablet is ultra portable - so take it everywhere you go. Slip your BlackBerry tablet into the light and durable BlackBerry Neoprene Sleeve, for a snug, precision fit. When you want to charge your BlackBerry tablet, plug in your headphones or access the media ports-you've got easy external access, so you don't even need to take it out of the sleeve. The BlackBerry Neoprene Sleeve is available in a range of fun colors, so choose your favorite or pick up a few and switch them to suit your mood.


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Beautifeel Lago Sandal
Beautifeel Lago Sandal
Rounded Toe Sleek Asymmetric Strap Sandal with Adjustable Ankle Strap in Patent Leather. Gold Piping Trim Around Foot Bed. Premium Italian Suede. This Shoe Features Beautifeel's Ultra-Comfort Padded Leather Insole & Anti-slip latex Outsole. About The Fit: Model is US 9 & is wearing a 39.
Mayfair Shoes
With lust-worthy brands like Sol Sana and Miista on their shelves, it's easy to see why Mayfair Shoes has been a staple in the local Edmonton fashion community for well over 50 years. Their specialty? Providing ultra-durable shoes for the intense Edmonton winters – with a carefully curated collection of shoes, accessories and apparel – while never skimping on style.
Do you have questions about this product? We're here to help!


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RM Photography HD Photographer
Your Stylist ReneeHair Stylist Female Newark, New Jersey, US
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Have you worked with Your Stylist Renee? Add Credits for Your Stylist Renee! >>
Credit Notes
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Youth groups and organizers have had a larger presence than ever this election. With advance polling stations opening this weekend, YouTube videos have been cropping up in hopes of encouraging youth to exercise their democratic rights.
Vote Mobs
First there was the viral popularity of flash mobs. Now, university and college students are putting their spin on the meme.
So what exactly is a vote mob? The definition is pretty broad. Basically, it's a large group of students singing, dancing, jumping and doing whatever it takes to convince the viewer that they're going to vote — and that they should too.
The mobs come as a response to a rant in the season finale of the Rick Mercer Report where he charged young people to get out to vote and "scare the hell out of the people that run this country." Below, Mr. Mercer's original rant.
So far, more than 15 universities across Canada have created
. There are still more than 10 mobs scheduled to take place in the next week and a half to show politicians that the youth vote is an important one. Below, our favourites.
UBC, April 20
The most recent of the vote mobs to be posted online.
Memorial University, April 10
University of Guelph, March 31
Guelph was the first school create a vote mob in response to Mr. Mercer's rant.
went viral so quickly (it currently has more than 35,000 hits) that the school held a second "Surprise! We are Voting! Non-partisan rally" a few days later.
Below, the video from that rally.
Upcoming vote mobs and links to their Facebook events:
April 22:
April 25:
April 27:
April 28:
April 30:
London, Ont. (University of Western Ontario, Fanshawe College and local high schools)
It's Vote Day!
Feeding off the viral success of Rebecca Black's YouTube hit "Friday," two University of Western Ontario students revamped the song to give it an election day feel.
Raffi 4 Canada
, the man behind many families'
, released a video called "Raffi 4 Canada." As the singer and author very eloquently says, it's the young people's duty to help "leave our mark and create a very bright future for this country." At the end of his video, Mr. Cavoukian reveals a new verse to his classic children's song "Baby Beluga."
National Post


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By Robert Bianco, USA TODAY
This season, more than ever, "new" is a relative term.
Waiting in the wings since fall, New Amsterdam is the latest example of a recurring TV type — the immortal crime fighter — already represented this season by Torchwood and Moonlight. Though it's never wise to be the third show on a match, this relatively entertaining fantasy has one obvious viewership advantage over many of its strike-bound scripted competitors: new episodes, and not bad ones at that.
Adding to its appeal is an attractive new star, Danish actor Nikolaj Coster-Waldau as John Amsterdam, a 17th-century Dutch soldier killed while rescuing a Native American girl. She rewards him with a kind of mixed blessing: eternal life but only until he finds true love. Then he'll age and die like the rest of us.
It's a romantic notion in a sick sort of way, but it does make you wonder why, if Native American women had this power, they weren't using it on their own warriors. Think what a different New Amsterdam that would have made.
Four hundred years later, John is working as a New York cop and using his vast knowledge of the city to solve crimes — sometimes to amusing effect, sometimes not. Let's just say you'd think that somewhere in his four centuries, he would have learned not to bring a child to a crime scene.
As we meet him, John has just gained a reluctant partner, Eva Marquez in a role that is one of those "old" ideas New Amsterdam should have rethought. Partner or not, the only person John confides in is Omar (Stephen Henderson), a jazz club owner who has a surprising secret of his own, as we learn in Thursday's better second episode.
That episode also indicates this revamped series intends to move beyond crime to time travel, tracing John's lives and identities through the centuries. John, we learn, is an accomplished artist, lawyer, furniture maker and forger. While he may not have found true love, he found plenty of companionship, even beyond his 36 dogs.
Enjoyable as these tours of old New York may prove to be, they point out the show's most problematic break with the immortal tradition: John's astoundingly public life. Usually, the hero's very existence is revealed on a need-to-know basis. But John is out-and-about, posing for pictures, going to clubs, attending law school and now, holding down a high-profile city job. And in all this time, no employer has done an efficient background check, and no friend has noticed he doesn't age?
It's one thing for a fantasy to be unbelievable, another to be illogical. Lapses in logic pull us out of the story: We're less willing to suspend disbelief for the aspects of the story that are beyond our natural experience if we can't accept those parts with which we're familiar. What's worse, they're usually a sign that the producers don't have a firm-enough grasp on their story and are winging it as they go along.
Sometimes they get it right. But it's an awfully fast learning curve, and most shows don't live long enough to round it.
Conversation guidelines: USA TODAY welcomes your thoughts, stories and information related to this article. Please stay on topic and be respectful of others. Keep the conversation appropriate for interested readers across the map.


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Nonprofit Capacity Assessment: Indiana's Arts and Culture Organizations
Nonprofit Capacity Report #3
June 2010
Kirsten A. Grønbjerg, Project Director
Kellie L. McGiverin-Bohan with Jenna Cluver, Suzzy Mangas, and Jessica Wechter
A Joint Product of the Center on Philanthropy at Indiana University, the School of Public and Environmental Affairs at Indiana University, the Indiana Business Research Center at Indiana University's Kelley School of Business, and the Johns Hopkins Center for Civil Society Studies
|Click to read the press release for this study or the full report. Note: the full report is a large file (2.8 MB) and you will need a free copy of Adobe Reader to read the documents.
For information about the survey on which this report is based, please see Indiana Nonprofit Capacity Survey.In late 2007, the Indiana Arts Commission (IAC) commissioned us to survey the capacity building and technical assistance needs of Indiana arts and cultural organizations. Since then, the economy has deteriorated rapidly and our report is timelier than we anticipated. We hope it provides valuable information to Indiana policy makers about the arts and cultural organizations that enrich the quality of life in Indiana.
Between August and December of 2008 we surveyed 1,792 Indiana arts and culture organizations that had sought grant funding from the Indiana Arts Commission or its regional partners in 2003-07. Some 385 organizations responded to the survey in full or in part for a response rate of 28 percent (excluding invalid organizations).
The survey asked respondents to identify their three most significant capacity building or technical assistance needs and the best ways to address them. We also asked about several broad categories of capacity building identified in the literature to determine which specific dimensions present the most severe and/or widespread challenges. In addition, we asked respondents to indicate how helpful various types of assistance are in addressing the challenges. Finally, we asked about a variety of other organizational characteristics (see the full survey instrument for a complete set of questions).
Executive Summary
A. Capacity Building Challenges and Assistance.Capacity Building Challenges. We identified seven dimensions of capacity building prominent in the literature and asked Indiana arts and culture organizations whether indicators of each posed a major, minor, or not a challenge, or was not applicable. Financial resources pose the most challenges, followed by networking and advocacy, marketing, programs and planning, information technology, human resources, and operations and governance.
- Financial Resources. All indicators pose at least a minor challenge to 60 percent or more of our respondents and most aspects pose a major challenge to half or more.
- Networking and Advocacy. All indicators pose at least a minor challenge to more than two-thirds of respondents.
- Marketing. All indicators pose at least a minor challenge for more than 60 percent of respondents.
- Programs and Planning. All indicators pose at least a minor challenge to about half of the respondents.
- Information Technology. All indicators are considered at least a minor challenge by more than half the respondents.
- Human Resources. All indicators are identified as at least a minor challenge by more than half the respondents.
- Operations and Governance. All indicators pose at least a minor challenge for more than half of respondents.
Helpful Assistance in Addressing Challenges. When asked to assess the helpfulness of various types of assistance, respondents rate multi-year and general overhead funding highest (seen as very helpful by at least 80 percent), followed by endowment funding (71 percent), small targeted grants (61 percent), challenge grants (53 percent), and peer learning (44 percent). Other types of assistance are considered very helpful by no more than a third. The overwhelming majority (about 80 percent) also rate IAC project and operations funding as very helpful, as did 35 percent with regard to IAC regional training and workshops.
The Significance of Organizational Characteristics. No organizational attributes are consistently related to all types of challenges. However, about half the challenges are more severe for organizations that have a primary focus on arts and culture programs, rely heavily on volunteers or have at least one board vacancy. Also, the helpfulness of most types of assistance is significantly related to the number of IT components, use of volunteers, and access to endowment or government grant funding.
B. Nonprofit Views
To assess how nonprofits differentiate between Capacity Building and Technical Assistance, we asked respondents to describe (1) their three most significant capacity building challenges and the best ways to address each and (2) their three most significant technical assistance needs and the best ways to address each.
Extent and Nature of Capacity Building and Technical Assistance Needs. About half report having at least three capacity building needs, while only 25 percent described as many technical assistance needs. Overall, respectively 76 and 69 percent reported at least one need of a given type. As in our previous capacity survey, we find that technical assistance is seen mainly as having to do with technology, while capacity building is applied to broader functional areas.
Three Most Significant Capacity Building Needs. Only a quarter of the 592 descriptions of capacity building needs includes details on the nature and/or direction of organizational changes needed; another half contains only general reference to organizational activities. By contrast, 45 percent of the descriptions reference specific resources needed while another 41 percent identify only general types of resources.
While needs related to financial resources are still the most prominent, when respondents focus on their own three most significant needs, rather than assess all types of capacity building, those related to human resources and operations and governance take on greater prominence.
Most Helpful Ways to Address Capacity Building Needs. When asked to describe the most helpful ways to address their own most significant capacity building needs, some type of funding assistance is included in 40 percent of the descriptions, followed by references to some type of human resources (23 percent), marketing (17 percent), and external assistance (14 percent).
Three Most Significant Technical Assistance Needs. Of 418 major technical assistance needs described, about half include some details on the specific resources that would be needed with another third identifying only a generic resource. About a third include details on the nature and/or direction of organizational changes needed; another two fifths include references to only general organizational components.
Over half of the descriptions include some reference to information technology, followed by items related to operations and governance (15 percent), human resources (14 percent), funding (13 percent) and marketing (10 percent), with two other categories even less prevalent.
Most Helpful Ways to Address Technical Assistance Needs. Our respondents also described the most helpful ways to address each of their three most significant technical assistance needs. Over a quarter included some reference to funding, followed by information technology (23 percent), human resources (20 percent), and some form of external assistance (18 percent).
C. Summary and Recommendations
Based on our analysis, we identify four priorities for the Indiana Arts Commission and other funders in the arts and culture field.
Top Priority: Funding Assistance. More than 80 percent see multi-year funding and general overhead as very helpful. We recommend that Indiana funders give serious consideration to providing this type of support to arts and culture organizations seeking assistance with capacity building needs.
Second Priority: Peer Learning. The opportunity to interact with and learn from peer organizations is seen as very helpful by 44 percent of respondents and at least somewhat helpful by 89 percent. Thus, we recommend that funders and other community leaders help create opportunities for peer interactions and information sharing among managers of arts and culture management organizations.
Third Priority: Joint Activities with Other Organizations. About a third indicate that joint activities with other organizations are very helpful (85 percent find it at least somewhat helpful). We therefore recommend that funders explore ways to facilitate collaborative activities among arts and culture organizations.
Fourth Priority: Support for Technical Assistance. Outside consultants, student interns, and workshops are viewed as very helpful by at least 30 percent of respondents and at least some-what helpful by 75 percent. Thus, we recommend that funders identify and support these types of assistance.
Key Findings
A number of key findings stand out from our analysis.
- Indiana arts and culture organizations face many capacity challenges. Securing financial resources presents the most severe and widespread challenge followed by networking and advocacy, marketing, programs and planning, information technology, human resources, and operations and governance. Financial resources remains the most prominent type of capacity building need when respondents assess their own three most important needs, while human resources and operations and governance take on greater prominence.
- Seven of the ten most prevalent major challenges are related to funding. However, almost all capacity items pose at least a minor challenge for most respondents.
- Indiana arts and culture organizations report that most types of funding would be very helpful in addressing capacity building challenges, especially multi-year and general overhead funding (75 percent); 40 percent say interactions with peers are very helpful and one-third say that about outside consultants or joint activities with other organizations. Almost all say project or operations funding from IAC would be at least somewhat helpful (80 and 79 percent respectively say very helpful).
- Most Indiana arts and culture providers distinguish between technical assistance and capacity building. The former is associated with information technology, while the latter is related to broader set of functional areas.
- An organization's degree of focus on arts and culture activities is significantly associated with more severe challenges. This includes enhancing visibility, attracting new members or clients, training/developing the board, and strategic planning.
- Organizations with board vacancies or that rely extensively on volunteers generally report higher levels of challenges. The significance of other types of characteristics varies depending on the specific challenge involved.
- Organizations with more formal components in place generally find most types of assistance more helpful, but the relationship is complex. Those with a moderate number of key components tend to find various forms of assistance more helpful, compared to those with only a few or a great many of these elements.
- Revenue diversification is generally related to challenges, but this relationship doesn't hold across the board. Challenges sometime peak for organizations with a moderate number of sources, and in some cases organizations with no revenues at all report the fewest challenges.
- Very few challenges vary significantly across state regions. Indianapolis-area organizations report greater challenges in enhancing their visibility and reputations, securing foundation or corporate grant support, and developing comprehensive and interactive websites compared to organizations in other regions. They also see low-cost loans as less helpful.
Our report includes several appendices with supplementary information. They include:
- Appendix A: References
- Appendix B: Sampling and Survey Procedures
- Appendix C: Detailed Coding Categories for Open-Ended Questions
- Appendix D: Descriptive Statistics and Multivariate Analysis
- Appendix E: Project Publications and Reports
If your organization is one of the many Indiana arts and cultural organizations that responded to this survey, THANK YOU - we are very grateful for your participation. Please rest assured that all information from the survey will be kept in the strictest confidentiality.
If you requested a summary of our survey findings, we will shortly send you that information. We will also offer you an individualized report that shows how your organization compares to other similar organizations on key dimensions. The latter is a confidential report and will NOT be shared with anyone else.
As promised, twelve organizations that responded to the survey have had their organization profiled for one month on the Indiana Arts Commission's web page.
We are especially grateful to Lewis Ricci, Executive Director of the Indiana Arts Commission, for inviting us to undertake the survey and to Michelle Anderson, Jayant "Jay" Singh Chauhan, April Blevins, Laura Frank, Sarah Heying, and Rex Van Zant, for their valuable feedback and assistance with the project. We thank Stephanie Cave, Laney Cheney, Helen Liu, Li-Chuan (Tammy) Liu, Rebecca Nannery, and Becky Nesbit for their contributions to the design and analysis. The support and efforts of all of these strengthened this work enormously and we are grateful to them all. Of course, any remaining problems reflect our shortcomings entirely.
In addition to funding from IAC, support for this effort has been provided through the ongoing project on the Indiana Nonprofit Sector: Scope and Community Dimensions. This project, directed by Kirsten Grønbjerg, Efroymson Chair in Philanthropy at the Lilly School of Philanthropy, is funded by the Efroymson Fund at the Indianapolis Foundation (an affiliate of the Central Indiana Community Foundation), the Indiana University Center on Philanthropy's Indiana Research Fund (supported by Lilly Endowment, Inc.), and the School of Public and Environmental Affairs at Indiana University.


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Olanrewaju Adeyemo
I Am Still A Lion - Poem by Olanrewaju Adeyemo
I may be down as dead
People may be stepping and trampling on me
It may seem am in a spot for long
The truth is, I am still a lion
I may not be leading the pack for now
I may be at the rear instead of the front
My contribution so minute it can't be felt
I am still a lion, am sure
I may not be eating what I like
May be taking plant instead of flesh
Even going without food sometimes
My appetite still remains lion's
You may not see the lion's agility
I may lack the prowess of one
Even my voice may not thunder through the jungle
But the strength of lion lies in me
My father is a Lion of lions
The Lion of the tribe of Judah
I am a real son and not bastard
So I have the strength of Lion in me.
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RSA Laboratories
PKCS News Archives
A weakness was recently discovered in the traditional way digital envelopes are created allowing for potential discovery of the contents of a message sent via the Internet using RSA PKCS #1. Find out the details and download the fixes.
PKCS #13: Elliptic Curve Cryptography Standard
RSA Laboratories announces the pending development of PKCS #13,covering public-key techniques based on elliptic curve cryptography.
Netscape Announces Support for PKCS #11
Communicator software allowing the use of smart cards and tokens.
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Materials science and engineering involves the study of advanced materials, including metals and their composites, polymers, silicon and bio-materials, and their possible uses in various applications. The field is multidisciplinary in nature, combining elements of physics, chemistry and biology, in addition to engineering.
The program leading to the M.S. degree in materials science and engineering provides intensive preparation for professional practice in modern materials science by those engineers who wish to continue their education.
The objective of the doctoral program is to prepare individuals to perform original, cutting-edge research in the broad areas of materials science, including nano-structured materials, electronic, optical and magnetic materials, bio-mimetic materials, polymeric materials, MEMS materials and systems, organic electronics, and advanced processing of modern materials.
Because UTD's materials science research is heavily focused on applications, virtually all students who enroll in the program will be involved in research and development work funded by industry or the government, making them attractive to potential employers upon graduation. They will have access to the university's world-class research facilities and infrastructure, including the new $85 million Natural Science and Engineering Research Laboratory building.
The department also provides opportunities for undergraduates to participate in research.
Minor in Nanoscience and Technology
As the field of nanotechnology develops further, particularly in North Texas, UT Dallas has an important role to play in the education of knowledge workers for the industry. While the University's Materials Science and Engineering program provides a means for the graduate population to pursue nanotechnology, the minor creates an avenue for undergraduate students to familiarize themselves with the concepts and principles of nanotechnology.


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MYPICCARD Terms and Conditions
- Central Bank provides MYPICCARD service subject to the following terms and conditions. These terms and conditions are in addition to those found in the Cardholder Agreement governing all use of your Card. The photo logo, artwork or other image submitted by you, and all information thereon, are hereafter collectively referred to as the Image.
- You certify that you have read and understood the Image Guidelines and that the image you submitted to Central Bank complies with the Image Guidelines.
- Fee(s): There is an issuance fee of $15 for the MYPICCARD card that will be charged to your account each time you submit a new image and Central Bank issues a new MYPICCARD card.
In addition, an issuance fee will be charged for any replacement or reissued MYPICCARD card.
- You authorize Central Bank to charge all applicable fees to the card account associated with you MYPICCARD card, when your image is approved.
- In addition to your compliance with Image Guidelines, you represent and warrant to Central Bank:
- The Image you are submitting was created by you and you are the owner of the Image, and/or you have obtained express written consent from the owner of the Image for you to use it on your MYPICCARD and for Central Bank to alter, copy, print, distribute, prepare and use the Image in your MYPICCARD.
- You have obtained the express written consent of any person other than yourself who appears in the Image you are submitting, and
- Use of the Image will not infringe any business or individual persons rights, including intellectual property, privacy or publicity rights. If Central Bank requests, before or after accepting your Image, you shall provide Central Bank with reasonable proof of such ownership, written consent and/or non-infringement.
- The Image you are submitting was created by you and you are the owner of the Image, and/or you have obtained express written consent from the owner of the Image for you to use it on your MYPICCARD and for Central Bank to alter, copy, print, distribute, prepare and use the Image in your MYPICCARD.
- You grant to Central Bank a perpetual, non-transferable, non-exclusive, royalty-free, world-wide, irrevocable license to use the Image and the other data you provide to Central Bank for the purpose of providing your MYPICCARD card.
- You agree to indemnify, defend and hold harmless Central Bank, its affiliates, its card membership organizations and its and their respective shareholders, officers, directors, employees, agents, members, contractors and representatives from any and all claims, liabilities, losses , cost and expenses of any nature whatever (including, without limitation) any and all claims alleging trademark or copyright infringement, and/or the violation of a right of privacy or publicity or any other right.
- Central Banks liability hereunder is limited to refunding any fee associated with the issuance of a MYPICCARD card, and Central Bank is not liable to you for any loss, damage, claim or expense whatsoever in relation to any action or omission by Central Bank in connection with the MYPICCARD service or product. Central Bank is not responsible for poor-quality Images or Images poorly positioned on the MYPICCARD template. Images and copies thereof shall not be returned to you for any reason.
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- Rejected Images, superseded, and Images from canceled MYPICCARD cards, accepted Images and copies thereof, may be stored for any period of time, and may be purged at anytime, that Central Bank may choose in its sole discretion.
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- Central Bank reserves the right not to accept or use any Image you submit, or to refuse to issue a MYPICCARD, for any or no reason whatsoever in Central Banks sole discretion. See also the separate MYPICCARD Image Guidelines.
Additional Terms and Conditions that apply to myPICcard Business cards:
In addition to the above terms and conditions that apply to all myPICcard Cards, the following terms and conditions govern myPICcard Business cards.
- The Business agrees that only individual(s) they authorize can submit an Image and request issuance of myPICcard business card(s). Business shall protect the security of its logon and other access information, and is responsible for any unauthorized access directly or indirectly gained using such logon or other access information.
- Important: The Business acknowledges and agrees that each time a new Image is uploaded and approved, all cards linked to the Businesss account will be reissued with that new Image.
- Business Card Issuance Fee: There is a $15 each issuance fee for the issuance of cards for all cardholders. Thereafter, for each new Image that is uploaded and approved, a per card issuance fee of $15 will be charged to the related business card account.
- Upon receipt of new myPICcad business card with image on it, the business will need to destroy any previously-issued business cards.
- Important: The Business acknowledges and agrees that each time a new Image is uploaded and approved, all cards linked to the Businesss account will be reissued with that new Image.
ACCEPT and continue to Edge-to-edge designer


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Music Concert Burst Into A Cauldron of Drugs and Alcohol
On Thursday, an electronic music tour suddenly burst into a cauldron of alcohol, drugs, injury and fatality. The Comcast Center in Mansfield, Massachusetts is an incredibly popular venue for music tours and festivals similar to the one held there this past Thursday.
During the music festival that highlighted electronic and house music, approximately 20 people were injured and at least 2 people died.
According to Mansfield police cheif Arthur M. O'Neill, drugs and alcohol, particularly ecstasy, marijuana, LSD, and PCP were being consumed in inordinate qualities throughout the event.
In fact, nineteen people were taken to the local hospital, Sturdy Memorial Hospital, concerning drug-related ailments. Four of the nineteen were found to be in critical condition.
Apparently, it was a very busy night in the local emergency rooms due to the amount of alcohol and drug-use at the concert.
The two deaths that occurred this year were not the first to occur at the site. Research revealed that a person died several years ago as a result of a heart condition and a man died many years ago attempting to scale a wall at the site.
Meanwhile, 45 individuals were arrested at the concert. When compared to similar venues of the same size, 45 arrests is not extraordinary. The site holds a maximum of 20,000 people. Officials made a point of emphasizing that the number of arrests was not the problem as much as the rampant and pervasive drug and alcohol abuse was.
If you or someone you know is struggling with drug or alcohol abuse, please contact us.
Original article http://articles.boston.com
Photo courtesy of www.montana.edu


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He joins The Daily Beast's community editor Ronnie Cho Friday at 11:30 a.m. EST for a live chat.
Utah death-row inmate Ronnie Lee Gardner is scheduled to be shot shortly after midnight.
David Bowie, Ronnie Wood, and Marianne Faithfull were regulars at the Rainbow Room, a restaurant on the fifth floor.
Ronnie was there with a girl Alpert knew, and the student and the professor started talking.
Meanwhile, Ronnie Winston had begun his own adventure with Richard Alpert.
He was mentally recalling phrases from reviews he had written for various literary columns, on Ronnie's work.
But as to Ronnie, bridge and baccarat and poker-patience are positively all that he thinks about.
That day marked a decline in Ronnie's regard for me as an ex-member of a minor school eleven.
No, when I want to see Ronnie nowadays I go down to the organ-factory.
They sat in the stern, with Ronnie between them, guarding him like two faithful bulldogs.


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Yes, the celebration of Christmas may have pagan roots. But read on to see how that might actually be a good thing. It seems almost inevitable at this time of year that an earnest friend, family member or perhaps someone at your church will announce – with all the breathless enthusiasm and urgency of one who has … [Click to read more …]
Tag Archives: incarnation
So now Jesus and the ones he makes holy have the same Father. That is why Jesus is not ashamed to call them his brothers and sisters. Hebrews 2:11 NLT When I was a youth reading my Bible all the way through for the first time and came to the begats, such as in Matthew 1, I found them … [Click to read more …]
Yesterday I was so mad at my father! He took this beautiful little lamb out behind the house and he killed it. Can you believe that? He said this guy, Moses, told him to, for some dumb reason. Dad tried to explain it to me, but I didn't want to hear it. Especially when I … [Click to read more …]
Be it admitted from the start that we do not know the day on which our Lord was born. His early biographers did not think it of sufficient importance to record. 1 We do not know why the church chose to celebrate that birth when they did. Perhaps to stay concealed from Roman sight, perhaps … [Click to read more …]


text:
Capitalize on the safety and commercial benefits that a SMS can bring your organization.
Leading airlines from all regions have incorporated the IATA Operational Safety Audit (IOSA) standards into their airline operations, and IOSA is a major component of industry efforts to improve aviation safety. Learn how to comply with the latest IOSA provisions for Safety Management Systems (SMS).
Course format: This course is available at IATA Training Centers, regional training partner locations, and on-demand as in-company training. This course provides 24 hours of instruction delivered by an official IATA Instructor.
There are currently no scheduled classes. Check back later for updates or contact us to arrange a class in your company.
Upon completing this course you will be able to:
Download full outline and schedule
This course is recommended for airline staff:
An IATA Certificate of Completion is awarded to participants obtaining a grade of 70% or higher on all exercises and exams. A special distinction is awarded to participants obtaining a grade of 90% or higher.
This course is a step toward earning an IATA Diploma in:
About IATA Classroom TrainingWe train more than 10,000 aviation professionals annually through our global network of IATA Training Centers, Regional Training Partners, and in private in-company sessions. Our 200+ classroom courses are developed using IATA's unique industry insight and delivered by IATA Instructors, experts in their fields. More
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"Low-Quality" Stocks Continue Their Run as Hard Data Lags Real-Time Improvements
For some time now, we have been explaining how low-quality stocks have been surging to double-digit percentage gains over the last few months. The surge in Allscripts-Misys Healthcare Solutions Inc. (NASDAQ:MDRX) is a recent case in point. MGM Mirage (NYSE:MGM) and Harley Davidson (NYSE:HOG) are some others we have pointed to recently. Plenty of other stocks on our "low-quality" lists have been surging as well, and we think more could be on the way.
It seems that many investors are continuing to ignore improving company fundamentals and increasingly large cash positions, while instead choosing to focus on grander thematic issues such as the 16% "underemployed" rate, a pending withdrawal of economic stimulus, our country's huge debt levels, the possibility of sovereign debt defaults and more generally the inevitable declining dominance of the U.S. in the global economic system. To these investors, the market is "wild", "random" and "stupid." There is no let-up in their fear-mongering as many stocks continue to make double-digit gains.
The latest negative article we have seen from the mainstream media is from Kevin Drum of Mother Jones. Another recent negative slant is provided by Mark Hulbert on Market Watch while quoting Jeremy Grantham of GMO. Reading them, there sure seems to be a lot of dumb but richer investors out there.
"Luckily" for us, we have no vested position in the market moving up or down. We have developed model portfolio strategies that in theory and on average should generate a return whichever way the market is moving. Perhaps because of our more "objective" view, we have developed a grand unified economic theory of our own: "The market doesn't care." That is, the market does not care about negative economic themes. The only thing that matters is cash flow generating and return on invested capital, and this is a theme that keeps gaining momentum. If the market ever does choose to "care" about grander economic themes, we will rely upon our proprietary long/short weighting indicator to guide us in the right direction.
A case in point as to what is working right now is our aggressive model portfolio, now up about 16% for the YTD and 600%+ since its back tested "inception" 5+ years ago - because it has no short positions against "low-quality" stocks when the market is appreciating and is instead fully levered on returns in high-quality stocks. Once this theme plays out this portfolio is practically guaranteed to experience a short-term double-digit loss as the long/short indicator takes time to adjust. Though once adjusted, significant returns could resume through the next extended period. We are discussing this strategy with thrill-seeking friends, royal families and institutions and hope to have it actually deployed soon. For the more prudent, we have other strategies available that are working well enough, but simply do not make for good headline copy right now.
Maybe AMR, POM, GRP, TRMB and ILMN could be the Next Double-Digit "Better-Quality" Gainers
From an individual stock picking level, investors may want to focus on "low-quality" stocks that may be facing easy comparisons. That is, we want to find more stocks like MDRX. We still have not found the time to look at these stocks in detail, but we list them here for others that do.
For example, we have mentioned TOL as one possibility. But perhaps some better candidates could be companies like AMR Corporation (AMR), Pepco Holdings (NYSE:POM), Gen-Probe (NASDAQ:GPRO) and Trimble Navigation Limited (NASDAQ:TRMB) could show better potential. All four have experienced positive analyst revisions significant enough to move it off of our "low-quality" lists. Perhaps improved hard-data fundamentals and stock prices could follow.
In addition, we also would like to compare the specific rankings of MDRX to other companies and see if we can come up with any matching quant ranking profiles. We have already done so in the Healthcare Sector, and one company did show similar fundamental traits: Illumina (NASDAQ:ILMN). For investors seeking less risk versus reward, we point them to our "high-quality" ideas for the week that we mention below.
New "High-Quality" Stocks Return 3.56% for the Week Ended April 9, 2010
New "high-quality" stocks on our weekly list returned 3.56% on average for the week ending April 9. Additional factors placed UGP and PAAS on our "focus list", and together these two returned 2.66%. The S&P 500 (ex dividends) returned 1.38% for the week.
New "Low-Quality" Stocks Return 3.20% for the Week Ended April 9, 2010
New "low-quality" stocks on our weekly list returned 3.20% for the week. The three focus list stocks on the low quality list - TOL, CHU and EQT returned 3.89%.
About the lists
These ideas are generated in a similar way to the Ascendere Long/Short Model Portfolio, which rebalances roughly 80-100 stocks on a monthly basis. Unlike our monthly model portfolio, we have not backtested the factors in our weekly focus list, but we would not be sharing these ideas unless we thought they could show some promise. At the same time, the higher frequency may simply be introducing noise to the process.
Perhaps one way to cut through the noise is to compare these weekly lists with lists from other sources. For example, a number of the stocks on these weekly updates have appeared on Goldman Sachs' Conviction Lists a few days or weeks later. We note that some of the best names on this list have preempted a number of sell side upgrades, as described in our "Nostradamus" report, and such stocks seem to show the most promise.
New Stocks for the week ending April 16, 2010
As of the close of April 9, 2010, there are nine new "high-quality" stock ideas, five of which make our focus list. There are also 13 new "low-quality" stocks, including two focus list ideas.
New "high-quality" ideas for the week include Gap Inc. (NYSE:GPS), CarMax Inc (NYSE:KMX), Bed Bath & Beyond, Inc (NASDAQ:BBBY), Regal Entertainment Group (NYSE:RGC), Panera Bread Co. (NASDAQ:PNRA), Del Monte Foods Co. (DLM), Ares Capital Corporation (NASDAQ:ARCC), Berkshire Hathaway Inc. (NYSE:BRK.B) and Micron Technology Inc. (NASDAQ:MU). Of these, KMX, RGC, ARCC, BRK.B and MU make our focus list.
New "low-quality" ideas for the week include Sony Corp. (NYSE:SNE), Magna International (NYSE:MGA), Central European Distribution Co. (NASDAQ:CEDC), Enerplus Resource Fund (NYSE:ERF), Brookfield Asset Management (NYSE:BAM), Host Hotels & Resorts, Inc. (NYSE:HST), Camden Property Trust (NYSE:CPT), InterMune Inc. (NASDAQ:ITMN), Huntsman Corporation (NYSE:HUN), Mosaic Co. (NYSE:MOS), AK Steel (NYSE:AKS), Alcoa (NYSE:AA) and AngloGold Ashanti Ltd. (NYSE:AU). Of these, only BAM and CPT make our focus list.
We are loathe to share highlight Material stocks like AKS, AA, MOS and AU as "low-quality" short ideas; in fact, during an economic recovery these stocks will show the best gains, and many of them have been doing so in recent months. For the sake of consistency as it relates to our model portfolios, we are sharing this list. To avoid "obvious" contrarian long positions such as these, we created the Aggressive Long/Short Model Portfolio, which we mentioned above.
A PDF of this report is available here.
Risks and Disclaimers
Investing in stocks include a high degree of risk, including the risk of total loss. We are not soliciting the sale of any security. We do our best to provide relatively and accurate data and analysis, but make no guarantee.
"High-Quality" Stocks Off the "Buy List"
"Low-Quality Stocks Off the" Sell List"
Disclosure: None


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The $900 million yoghurt market is set for a shake-up after US dairy company Agro Farma outbid major local food processors to acquire Bead Foods.
Agro Farma has taken the yoghurt market in the US by storm since launching Chobani Greek-style yoghurt in 2007 and is keen to replicate its success in Australia through Bead Foods, which makes Gippsland Dairy yoghurt and cream.
Agro Farma's US sales rose 305 per cent last year and Greek-style yoghurt now accounts for about 20 per cent of the US market, up from just 2 per cent three years ago.
Agro Farma is believed to have paid more than $60 million for Bead Foods, a private company owned by its chairman, Henry Beresford, its chief executive, David Mann, and several other shareholders.
"Our goal is to grow the yoghurt category in Australia," said Agro Farma founder and chief executive Hamdi Ulukaya, who started making yoghurt at a disused Kraft Foods plant in 2007 after migrating from Turkey.
The higher than expected purchase price, which is understood to have represented a multiple of more than 12 times earnings, reflects the limited acquisition opportunities in the sector and Agro Farma's enthusiasm to enter the local market.
Deloitte Corporate Finance advised Bead on the deal, while Rabobank advised Agro Farma.
Agro Farma is believed to have outbid Goodman Fielder and Warrnambool Cheese & Butter. Parmalat, National Foods, Fonterra, Bega, Murray Goulburn and Archer Capital, which earlier this year acquired yoghurt maker West N Fresh, are also believed to have taken a look.
Bead Foods' Gippsland Dairy and Twist brands account for about 5 per cent of the yoghurt market. The Dandenong-based company also makes own-label yoghurt and dairy desserts for major customer Coles.
Yoghurt category sales grew about 7.6 per cent in 2009, according to Retail Media's MediaWorld 2010 Annual Report.
Agro Farma also sees Australia as a platform from which it can expand into Asia, where Western-style dairy foods are increasing in popularity.
Broker UBS reports that Greek-style yoghurt brands have gained 13 share points in the past three years in the US market.
The Australian Financial Review


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Inventory of Environmental Impact Decisions for Food Contact Substance Notifications
FCN No. 1396
|Food Contact Substance:
|Mixture of 5-chloro-2-methyl-4-isothiazolin-3-one (CIT) and 2-methyl-4-isothiazolin-3-one (MIT), at a ratio of 3 parts to 1 part by weight, optionally stabilized with magnesium or sodium nitrate and copper (II) nitrate.
|National Environmental Policy Act (NEPA) Submission:
|Categorical Exclusion 21 CFR 25.32(q)
|FDA Decision:
|Categorical Exclusion Memo
|FCN Premarket Authorization Issued:
|FCN description
More about Environmental Decisions and Definitions of Environmental Terms.