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The stock market, 18% off its April high, is approaching 20% down, official bear market status. The selloff has accelerated this month. The Dow's been down 4 weeks in a row. The S&P 500 index has dropped 16% in just the last three weeks. Gold, seemingly the anti-stock, has soared to a new all-time high, to about $1900 an ounce, and is being labeled a new currency. Interest rates are approaching levels last seen in World War II, as investors flock to apparent safety. Stock fund investors are rushing for the exits. Hit hard by the 2008 bear market, beaten down by the continuing exposure to sliding real estate prices, unnerved by the highest unemployment rates in a generation, Main Street has little tolerance for the current volatility.
Yet, amid all the sturm and drang, Warren Buffett boasted that on Monday, August 6, his investment vehicle, Berkshire Hathaway, bought more shares than any other day this year. As he explained it, "I like buying on sale."
We all like a bargain, but it's hard to see a catalyst for a near term market rebound. The traditional sources of stimulus, monetary and fiscal authorities, seem to be out of bullets, while the European debt crisis seem to echo Lehman and our own 2008 financial travails, but without strong centralized power to deal with it.
In this country, the Federal Reserve now seem impotent, having already lowered rates to zero, yet with little to show for it; recent criticism that the Fed Chairman has been treasonous by his money printing may keep him on the sidelines.
Meanwhile, on the fiscal side of things, Keynesian stimulus spending proved of little avail. While it's hard to argue that Government spending impedes economic demand, the recent budget wrangling makes destimulus or spending cutbacks a real risk for the near term path of our economy and the market.
Investors also ponder the slow disintegration of the European monetary union and the implications that might have for European financial institutions and ultimately our own. Indeed, US money market funds have been methodically cleansing their portfolios of European certificates of deposits.
The bullish case is that the Euro authorities watched the devastating effect the Lehman failure had on our economy, which will provide the political will to stabilize the sovereign debt problems. However, who really believes German taxpayers will ultimately assist their profligate cousins on Europe's southern fringe?
Bottom Line Advice
We agree with Warren Buffett. Stocks are now on sale and many attractive opportunities exist. While valuation is not a catalyst for a market rise, trying to pinpoint catalysts and make short term calls is a fool's errand. Long term investors should now be reallocating from cash and fixed income to restore their long term equity weightings.
Has the Market Really Been That Lousy?
Main Street and Wall Street sentiment is poor. Indeed, consumer sentiment for July sank to the lowest since August, 1980, renewing concerns that the sour outlook would translate into lower spending, thus leading to recession.
However, the recent market weakness was, frankly, way over due. Coming into July the S&P 500 index was up over 30% for the trailing 12 months. It had advanced 92% from 2009's market bottom. Bull markets are never a straight line. Bouts of profit taking are inevitable.
Even today, with dividends the Dow has returned over 8% in the last 12 months. Stock investors must take the long term view, and recognize that volatility is the price for superior long term returns. The market was overdue for a pullback, and now we have it.
Is it Really the Worst Time for the Republic?
The drop in consumer confidence for July, to levels last seen 31 years ago, was a shocker. Investor optimism has plummeted, as fears rage that Europe is the 2008 financial crisis all over again, that there's no leadership in Washington, and that we are on the precipice of recession all over again.
Fortunately, current conditions are not anywhere near the market crash of October 19, 1987, the tragedy of 9/11, or the invasion of Iraq in March, 2003. Needless to say, investors who had the fortitude to buy stocks in response to those crises made a fortune.
Reaction to the S&P Downgrade is, Well, a No-Show
Some investors cite the rating agency Standard & Poor's' decision to downgrade the creditworthiness of US Treasury debt as a reason to flee the market.
Few seem to agree with S&P's decision, and many wonder if the rating agency didn't err as much as it did by awarding triple A ratings on mortgage backed securities in 2007.
Bond investors have ignored S&P's call, as they've piled into US Treasury debt ever since the downgrade; an exchange traded fund (TLT) holding a portfolio of long dated Treasuries has appreciated 9% since then, while the yield on the ten year US Treasury has plummeted from 2.56% to as low as 1.97% on August 18th.
S&P has sent a wakeup call to Washington to get its long term fiscal house in order. That's a long term positive for equity investors.
Insiders Buying Hand Over Fist
Corporate officers and directors are buying their stock heavily in this downturn, indeed, laying out 15% more than they did at the March, 2009 bottom. There's only one reason for an insider to acquire more stock, she believes the stock's going up. Some might discount one or two purchases as a public relations move, but not when the buying is this widespread.
Financial stocks are seeing some of the most buying relative to sales. Insiders have bought at Morgan Stanley (NYSE:MS), Bank of New York (NYSE:BK), JP Morgan (NYSE:JPM), and E-Trade (NASDAQ:ETFC).
While some fear the market and financials in particular, insider buying in the market generally and financials especially suggests a different take.
The Market is Supplying Its Own Stimulus
The market is now providing the US economy its own stimulus. For example, oil prices have dropped 30% since April, giving drivers and all energy users a beneficial shot in the arm. The large drop in mortgage rates makes monthly payments on new mortgages as much as 30% less than mortgages issued earlier this year. The 10% plus drop of the US Dollar versus overseas currencies makes everything American more competitive, from exports to Florida real estate.
We believe the recent drop in stock prices will also provide investors stimulus to add to positions.
The Market is Cheap
Using just about any metric, stocks are cheap. The price to earnings ratio is 12.3, a material discount from the historic average, 16.4. Stock prices are generally down 18% since April and about 30% off their October, 2007 peak.
Just as important, the market looks inexpensive compared to alternatives. The most oft cited alternative is US Treasuries. With the 10 year bond now yielding 2.07%, the risk premium, or margin between the earnings yield on stocks and that interest rate, is over 6%. Historically, that margin is in the 2 to 3% range. Similarly, the yield on the market (2.25% as measured by the S&P 500) is above the 10 year Treasury. That's rare in the modern era.
Another alternative is gold. With gold having no intrinsic value nor paying out any income, valuing the yellow metal is difficult. But, relative to the market it's certainly getting expensive and or the market cheap: In October, 2007, it took nearly 18 ounces of gold to buy the Dow. Today, that's down to under 6, the lowest since 1987. Investors should take advantage of stocks being relative bargains.
How to Position Yourself
Most investors have an allocation between risk assets, like stocks, and less risk assets, like fixed income and cash. Following surging bond prices and slumping stocks, investors are well advised to rebalance in favor of equities.
The current mantra is to stick to high quality, dividend paying stocks. While it's hard to argue against quality and dividends, the time to make such a move is during the good times, when most investors are reaching for more gains with lower quality, riskier holdings.
When market conditions improve, the most beaten down sectors will advance first. We certainly saw that following the March, 2009 bear market bottom, when financials did circles around, for example, utilities. Further, many dividend paying stocks may be owned as bond surrogates. If interest rates rise, these stocks may be left behind.
We prefer well managed cyclicals, financials, European multinationals, and fast growing emerging market plays.
The stock market, 18% off its April high, is approaching 20% down, official bear market status. The selloff has accelerated this month. The Dow's been down 4 weeks in a row. The S&P 500 index has dropped 16% in just the last three weeks. Gold, seemingly the anti-stock, has soared to a new all-time high, to about $1900 an ounce, and is being labeled a new currency. Interest rates are approaching levels last seen in World War II, as investors flock to apparent safety. Stock fund investors are rushing for the exits. Hit hard by the 2008 bear market, beaten down by the continuing exposure to sliding real estate prices, unnerved by the highest unemployment rates in a generation, Main Street has little tolerance for the current volatility.


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[ syll. (s)ha-ha-na, sh-ah-ana ] The baby girl name Shahana is pronounced -SHAEHHAENAH †. Shahana is of Hebrew origin and it is used mainly in English. Shahana is a variation of Anna.
Shahana is not often used as a baby girl name. It is not listed within the top 1000. Out of the family of girl names directly related to Shahana, Anna was the most commonly used in 2016.
Baby names that sound like Shahana include Saamia (Arabic), Sajnea, Sakeana, Sakeina, Sakeyna, Sakiena, Sakinna, Sakoona, Sakoonah, Sakoujna, Sakoujnah, Sakouna, Sakounah, Sakujna, Sakujnah, Sakyna, Samaiya, Samana, Samaya, and Samea.
† approx pronunciation for Shahana: SH as in "she (SH.IY)" ; AE as in "at (AE.T)" ; HH as in "he (HH.IY)" ; N as in "knee (N.IY)" ; AH as in "mud (M.AH.D)"

subset: commoncrawl


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Written on: 09/04/2012 by GyminyCricket (1 review written)
I've been a member of Total Fitness on and off for about 10 years and the price has slowly increased. But with that increase I have seen no investment (which I was advised to expect with my last annual increment). Total Fitness, in particular the Prenton branch, is always filthy - constantly training amongst other peoples finger nails, old drinks bottles, thick dust and grime. I'm amazed at how poorly maintained the place is in general. When it rains the car park floods, the cardio equipment is at least 50% out of order 100% of the time, free weights (dumbbells and plates) are damaged or not in full sets, poorly marked or labelled etc making the simplest task of putting a disc on a barbell frustrating and tedious! I stopped using the changing rooms, showers, pool and hydro area some time ago after noticing under wear left for over a week on the floor, mold and mildew in the showers etc.
All this for a monthly cost of just under £45. Is it too much for the staff to do there job and clean - as they're rarely about on the gym floor being gym 'instructors'. I can't really blame the staff though. if the company isn't investing money in its facilities and equipment then it's highly unlikely that they are investing anything in their staff.
I have today left and gone to a gym costing half the price but every piece of kit works and, most importantly, it is CLEAN!!
If you are considering joining Total Fitness then DON'T! Avoid it and find the next nearest gym, pay more if you have to, but do not be drawn in my the patter from the membership office.


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[cross-post] American Bookbinders Museum appeal
Expand Messages
- Here is a presss release from Tim James of the American Bookbinders Museum in San Francisco. The Museum is a great resource for anyone interested in the history of not just bookbinding but also the entire practice of making books (that's why a printer like me is a board member). Please, any replies should be by methods mentioned below rather than back to the list.
Bookbinders Museum suffers damage from burst water pipe
It is with great sorrow that I need to announce that the American Bookbinders Museum suffered two separate water inundations affecting both the public display area as well as the library. Although we were spared what could have been the complete destruction of our library the plumber was not optimistic about the safety of our museum from future calamities. Calling the plumbing an "aged rat's nest of poorly planned and amateurishly installed piping" he would all but guarantee future flooding. Given that the museum has been flooded in the past and then twice in the last week, the Board of directors has no recourse but to vacate the premises.
We are in immediate need of a secure, dry, temperature controlled space to store our collection of over 3000 books and periodicals, as well as space for 9 four drawer filing cabinets of binding and printing literature, several dozen boxes of paper samples, binding samples and other ephemera. Finally we need a storage space of approximately 750 sq. ft. with a loading dock, or a forklift, to store our collection of 19th century bookbinding equipment.
Donations to defray what promises to be the substantial cost of removal and storage can be made on-line at http://bookbindersmuseum.com/.
If you would like to send a check please make the check out to The American Bookbinders Museum and send it to the following address:
Bookbinders Museum Relief
c/o Taurus Bookbindery
2736 16th street
San Francisco, CA. 94110
The Museum is a 501-(c)3 organization and all donations will be tax deductible.
For further questions I can be reached anytime 9:00 AM-9:00 PM PST at 415-710-9369 (Tim James) or emailed at: Tim@...
If you are interested in helping to find a permanent home for the Museum and insuring its future please leave your contact information at info@...
Tim James
President, The American Bookbinders Museum
This message was approved by the board of directors on 2-13-2013
Your message has been successfully submitted and would be delivered to recipients shortly.


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iscanut 21:43 12 Apr 2012
Most of us in the UK will use Amazon.co.uk ( I presume ) Prices change all the time, sometimes to one's advantage other times not ! I keep items not yet ordered on a wish list and regularly check the prices and quite often they will change up or down. Although excellent, Amazon are not always the cheapest.


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New to tea- resteeping, Teavana and other questions
Hi there-
I am quite new to tea. I switched after having to give up coffee. My husband got me a nice cast iron tea pot and a tea tumbler with a loose tea infuser for christmas. However, I realized I have very little knowledge about tea!
First- what teas can be resteeped and how does this work? For example, when I brew in my cast iron pot or tumbler, I usually pull out the infuser while I drink. So the tea just sits in the infuser during that time. I generally toss it out but someone at work mentioned I may be able to reuse some of it.
Second- Teavana- how does their tea quality rate up to other companies? any better options? I live in Boston and don't really know of any other places to check out loose teas.
finally- Cast iron. Is this Teavana hype or is there really something to the craze?
Thank you!!!!
I have a couple pages from this company bookmarked because they have such good info. Here's the one with info on resteeping: http://remedyteas.com/?page_id=13
It takes a bit of experimenting but it's fun to see how some teas change flavors.
Teavana is alright for certain things, there's a bunch of threads about that on here.
I personally love cast iron, I got a cast iron teapot because I love cast iron for cooking. It's easy to clean, it keeps warm by itself for a good bit of time. (I forgot to add that I can't possibly break it on my own. I've broken 3 wine glasses and a mug recently in the dumbest of ways.) But there's tons of ways to brew teas, and it's all personal preference. There are much cheaper cast iron teapots than the ones Teavana offers, though.
There are many different opinions of Teavana — check out some of the other threads.
I live outside of Boston and have been exploring different places to purchase tea locally. One of my local favorites is Virtuous Teas in Newton. You can view their website at http://www.virtuousteas.com/ and my review on steepster places at http://steepster.com/places/1956-virtuous-teas-auburndale-massachusetts.
You can use the places tab on steepster to find other local tea shops/tea rooms.
I hope this helps!
I think the answers to your questions depend on the individual answering but I'll give you my two cents.
Unfortunately, I've never shopped from Teavana, but as I understand it they are good for flavoured teas, not so great for unflavoured teas (much like David's Tea). However I feel that their teas are overpriced (I've checked a few out, and the only ones I liked the price of were the 75% off Boxing Day sale ones.) If there are no local tea options for you, there are a number of wonderful online retailers, basically catering to every type of tea lover.
Re-steeping is always worth a shot – I leave my leaves in the infuser, and then just put it back in with hot water when I want a second steep. I leave them out for hours sometimes and have left "used" tea in my perfect tea mug for a day and then used the leaves again (though I know others are probably revolted by that). Oolongs and greens do very well with re-steeping, blacks CAN do well (to 2 or MAYBE 3 steeps) and herbals aren't so hot. I've learned what I like through experimentation – if a re-steep is too bland I just dump it and make a proper cuppa.
Cast iron: Another one I am not sure of. I don't have a cast iron pot, but instead a small collection of glass and porcelain pots, as well as a porcelain gaiwan. I certainly feel that good tea can be made in things other than cast iron (since that's what I use!) but I definitely see the appeal of cast iron. I usually make only 1 cup or small pot at a time so keeping the tea hot isn't an issue and glass and porcelain are find for that. I just draw new water afterward when I want another cup. It's all up to you, really! Best of luck and happy tea!
I don't have anything much to add to what Uniquity has said, aside from the fact that I find most of Teavana's tea blends to be absolutely dreadful. Upton Tea Imports is also in Massachusetts but they're a catalog place only I believe.
Here's a blog with some different tea shops in Beantown. I'd say the Tea Zone looks pretty promising.
I'll try to elaborate based on my experiences.
Re-steeping: No matter the quality of the leaves you can always resteep, but some cheap CTC (crush, tear, and curled) teas don't usually resteep well because they aren't good to begin with. My advice to you is to TRY re-steeping your teas and see what you think. Higher quality whole leaves re-steep very well since the leaves go through a change as they become saturated, and this can even give you a rainbow of flavors as it transitions it's state (oolong especially).
Teavana: Teavana is pretty much starbucks of the tea world. I hate starbucks. I hate teavana. They focus on sales rather than the tea itself, and this can create a bad experience in the long run for people getting into teas. They tend to sell "designer teas" which are mixed product, though some like these designer teas, I do not. Their actual ingredients seem to be of quality though, and if you can get past their prices, their upselling practices, and lack of tea knowledge… they may be a company that you find convenient.
Cast-Iron: I recently had a terrible experience with cast-iron that I got for xmas. The inner enamel started to flake off around where the lid touches, and it was migrating towards the inside. I didn't even notice until I started seeing black specs within my teas. Because of this I returned the pot and will NEVER buy enameled cast-iron again. Ever. I can't say anything bad about the steeps it produced, and the thermal resistance. It would stay hot for a solid hour- as in after an hour I would pour a cup and have to wait for it too cool before I could sip on it. After returning it I bought a ceramic ForLife pot for my variety of teas, and a wonderful little yixing for my oolong- I don't see myself opting for anything else anytime soon as this combo is fantastic.
Now since you're new to teas, I can't help but give you a great tip- buy samples of many different types of teas. Companies like "Chicago Tea Garden" offer samples of VERY exquisite teas for a $3 flat-rate (including shipping). You'll find that every great tea company will provide inexpensive samples of their product to "hook" you.
Most of all, you can get really caught up in all of the accessories, traditions, and sources when you get started, but never forget the most important thing- enjoying the tea!
Wow, well I was in love with Teavana when I went in store while on a trip to Chicago. I spent a lot of money. I however just received a lot of tea I ordered for boxing day prices. The first one i tried that i had high hopes of i just dislike so much. And after looking at review of most of their teas… i'm discouraged. Personally, I love DavidsTea and you can buy online. I also heart "Chicago Tea Garden." It will depend on what your preferences are and you'll only find out by selecting a wide variety of tea. PM me if you have any question, i'm not "new" new to tea but i'm not a tea snob… yet ;) Happy steeping!
Thank you all for the tips!
I tried resteeping my green tea yesterday and it worked well. The second steep was different- I really enjoyed seeing how the tea changed!
I will definitely try some of these ordering sites- I am in no way attached to teavana. It's convenient but online ordering is great too!
Wonks- that sampler sounds perfect! I'm checking it out.
startea: You live in Boston? Lucky you! One of my favorite shops is nearby: Tea Trekker (at least relatively nearby: http://www.teatrekker.com/location.htm. Here is a link to their online store: http://www.teatrekker.com/main.htm. I haven't had any of their flavored teas (they have a few) but, their unflavored teas are some of the best I have had (for very reasonable prices). And they seem to be very knowledgeable about tea. I would LOVE to be able to visit their store (maybe, someday). Here is a link to their 'Place' on Steepster: http://steepster.com/places/2461-tea-trekker-northampton-massachusetts
Welcome to Steepster, and the wonderful world of tea!
Amy and Simplicitea- thanks for the local suggestions!!!
I can actually confidently recommend a shop of my own now- http://www.jaho.com. I had forgotten about them until my husband mentioned it. This is a shop located on the historic Salem, MA waterfront. We shopped there a few times before we got married. I just checked and they do sell their delicious tea online!!!


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Triglav from the route on...
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Triglav from the route on Vodnikov dom (hut) below the Tosc. From the south side. You can see the Planika dom (hut).
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LONG BEACH >> The jungle-green nylon screen wall is down, and the view of the harbor is back.
The wall was erected earlier this month, on the south of Ocean Boulevard between Redondo and Junipero avenues, to keep pollution and debris from the public as workers began to restore the eroding Bluff Park slopes.
Despite the city's good intentions, the nylon wall triggered numerous complaints, including a call from the state Coastal Commission's district office in Long Beach.
No rules were broken with the nylon fence, according to Chuck Posner, an analyst on the commission staff.
"It probably was not necessary," he said this week. "It was a little bit over done."
Eric Lopez, manager of the city's Tidelands projects, could not be reached for comment.
Earlier this month, work crews began the second phase of a project to stabilize the bluff along Ocean Boulevard.
Phase II of the Ocean Boulevard Erosion and Enhancement Project stretches from 20th Place to Paloma Avenue.
Work is expected to be completed in May, with the project's budget of $4.4 million coming from the Tidelands Operations Fund, which does not impact the city's General Fund.
Last year, Phase I stabilized the area between Redondo Avenue and 36th Place.
"Protecting the bluff and mitigating further erosion will help Long Beach maintain its beautiful coastline for all to enjoy," Mayor Bob Foster said in a statement.
The bluffs are being stabilized with soil-nailing technology, which involves inserting about 2,500 30-foot-long steel anchor rods into the bluff, according to city spokesman Ed Kamlan. The sidewalk on top of the bluff will be repaired, and new handrails, similar to the existing ones, will be installed, he added.
"This bluff stabilization project will provide for the long-term stability of the bluff as well as create a more aesthetically pleasing environment," said Councilmember Gary DeLong, whose 3rd District includes the bluff area.
The project includes introducing native landscaping and a new drip irrigation system that will mitigate future soil erosion, according to Kamlan.
At the outset of the work, a series of temporary protective screens were set up on top of the bluff, during times when work was occurring below on the bluff, in order to block debris and pollution from spreading, city officials said.
It was recently taken down after it was decided it wasn't needed.
Contact Joe Segura at 562-499-1274.


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Can anyone complete this assignment thourougly??
Watch the film "Their Eyes Were Watching God" featuring Halle Berry.
Provide the examples of Black Folklore within the film.
Explain whether or not the film is an example of protest literature.
The assignment has to be 1-2 pages in length and very detailed. Plagiarism and grammar error free.
I need this by 4pm central standard time today May 5, 2015.
Tutor Answer
Brown University
1271 Tutors
California Institute of Technology
2131 Tutors
Carnegie Mellon University
982 Tutors
Columbia University
1256 Tutors
Dartmouth University
2113 Tutors
Emory University
2279 Tutors
Harvard University
599 Tutors
Massachusetts Institute of Technology
2319 Tutors
New York University
1645 Tutors
Notre Dam University
1911 Tutors
Oklahoma University
2122 Tutors
Pennsylvania State University
932 Tutors
Princeton University
1211 Tutors
Stanford University
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University of California
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Oxford University
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Yale University
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I was told never to consider using a wheelchair. Yet a lightweight wheelchair, that I could use as required, would have increased my mobility and the quality of my life. By the time I was 15 I was in daily pain , I could no longer do sport, and I wished I was dead.
pandora essence Both the secularist case and the welfarist case against Mr. Modi have some merit as well as some drawbacks. Consider that line quoted in my first paragraph: "I would have changed the face of India. " Not 'we,' but 'I'. If you are not getting any service there are a few easy things you can start off trying. First, double check to see if your iPhone 4's Airplane Mode is on, and if it is you will get No Service on your iPhone 4 even though it may not say No Service explicitly. You may have to wait several seconds, up to fifteen, after turning off Airplane Mode to find that you will have iPhone 4 service again. pandora essence
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pandora jewellery Meanwhile, BJP has announced the candidature of its National Executive member Somu Veerraju for the ensuing elections to Legislative Council. The announcement caught political circles by surprise and the TDP is yet to convey its decision on whether or not to accommodate its electoral ally. According to sources, the TDP leadership is examining various options on the issue. pandora jewellery
pandora earrings Shoemaker Levy 9, or SL9, put on the most dramatic show ever witnessed in our solar system. When the comet was discovered in 1993, it had broken up into 21 pieces, and each one of them was set to collide with Jupiter in July 1994. The result of the collision was breathtaking: each piece exploded in Jupiter cloud tops. pandora earrings
pandora rings Whether he feels differently about the case now:Plays Robert KardashianOn what he thinks of the legal system:think this show is as much about class and privilege as it is about race. What all these shows such as Making a Murderer (on Netflix) are about is, if you have money in this country, the odds of getting a better verdict in the judicial system are in your favour. That's just the way it is, nothing has changed in 20 years, probably in 100 years pandora rings.


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Buncombe County is now accepting nominations for their Environmental Leadership Award. The award criteria can be found here. Below is the online announcement:
From Buncombe County's full online announcement:
Buncombe County, through the Environmental Advisory Board, is accepting nominations for the BELA or the Buncombe Environmental Leadership Award.
This award honors men, women, kids or businesses whose actions and leadership have made a positive impact on the environment, as models for environmental awareness, protection and advocacy.
If you know an individual or business that might qualify, please check out the selection criteria below. There is no entry form, simply submit your entry in writing matching the criteria listed.
Deadline to enter is March 1, 2012. Winners will be announced in April.
Call Gillian Philips at 250-4852 for more information.


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THE POWER to help save the planet is in the hands of Oxford residents after a new battery recycling scheme was launched.
The city has become the final area in the county to offer battery recycling collection alongside household rubbish and recycling collections.
Any household batteries left in a clear plastic bag on top of Oxfordshire recycling bins will be taken away for recycling.
The city council's recycling officer Emily Martin, pictured right with colleague Maria Warner, said: "The household battery recycling scheme is a great, easy-to-use initiative and we are really pleased with the immediate and positive uptake from residents.
"Batteries can be simply recycled by placing them in a clear bag and putting them on top of the blue or green wheeled bins on collection day.
"Batteries should not be sent to landfill because of the chemicals that can potentially leak into the ground when buried. This can pose a health risk through soil and water pollution.
"Recycling also helps recover metals, reducing the need to need to mine new materials."
Cherwell's scheme began last Christmas and so far this year, the authority has collected more than 300,000 batteries.
Picture: OX54085 Damian Halliwell


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The Impact of Job Displacement on Employer Based Health Insurance Coverage
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If you experience problems downloading a file, check if you have the proper application to view it first. In case of further problems read the IDEAS help page. Note that these files are not on the IDEAS site. Please be patient as the files may be large.
As the access to this document is restricted, you may want to look for a different version under "Related research" (further below) or search for a different version of it.
Volume (Year): 30 (2009)
Issue (Month): 4 (December)
Pages: 317-327
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|Web: http://www.springer.com/economics/journal/12122
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- Gruber, Jonathan & Madrian, Brigitte C., 1997. "Employment separation and health insurance coverage," Journal of Public Economics, Elsevier, vol. 66(3), pages 349-382, December.
- David M. Cutler, 2003.
"Employee Costs and the Decline in Health Insurance Coverage,"
NBER Chapters,in: Frontiers in Health Policy Research, Volume 6, pages 27-54
National Bureau of Economic Research, Inc.
- David M. Cutler, 2002. "Employee Costs and the Decline in Health Insurance Coverage," NBER Working Papers 9036, National Bureau of Economic Research, Inc.
- Cutler David M., 2003. "Employee Costs and the Decline in Health Insurance Coverage," Forum for Health Economics & Policy, De Gruyter, vol. 6(1), pages 1-29, January. Full references (including those not matched with items on IDEAS)
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Price: $9.99/ 800MSP
System(s): Steam, XBLA, PSN
Release Date: April 16th (Steam, XBLA) 23rd (PSN), 2013
Publisher (Developer): Atlus (Old School Games)
ESRB Rating: "Mature" for Intense Violence, Blood and Gore, Suggestive Themes, Partial Nudity and Drug Reference
"Do you like running? How about gunning?" these first two sentences of co-op third person shooter God Mode's online description are a fitting summary of what Atlus' newly published game offers; frantic, retro game inspired, monster slaughtering carnage.
Developed by Old School Games, a subsidiary of Saber Interactive whose previous works include Inversion, TimeShift and Halo: Combat Evolved Anniversary, God Mode attempts to break the mould cast by previous games of its kind by adding random modifiers, customizable characters and weapons, and a RPG-like levelling up system which it claims will ensure that no two matches are ever the same. But is God Mode truly a divine downloadable gift sent from the heavens, or a deceitful false prophet hell bent on stealing our hard earned cash?
God Mode leaves narrative at the door
Moments after starting a new game it becomes clear that God Mode's skeletal storyline was only included to add some sort of context to the monster shooting gameplay and Greek mythology inspired environments. Simply put, you and your co-op companions are the descendants of a divine bloodline banished from Mount Olympus by Hades, the ancient Greek god of the underworld. In order to claim your rightful place in the pantheon of the gods you must battle through hoards of monsters in one of the Hades' five mazes.
Each maze is comprised of five or six different arenas with a boss at the very end and a room full of gold as the reward. Health and armour are counted numerically out of 100, as opposed to the regenerative health of most modern shooters, which must be topped up by collecting brightly coloured pick ups littered across the battlefield. What makes God Mode particularly interesting however are the "Test of Faith" modifiers which change the rules for each and every area.
Beyond God Mode's unforgivable experience system lies a satisfying shooter
God Mode is a strange pastiche of many popular games both old and new. In addition to the game's title, which is itself a reference to the almost ubiquitous old school invincibility cheat, the general gameplay seems directly inspired by a combination of Serious Sam and Gears of War 2's Hoard mode. Also, the arenas look like they have been taken directly from God of War, the levelling up and item purchasing system is the same one found in many MMORPGs and even God Mode's sarcastic spirit guide narrator conjures up memories of Dungeon Keeper's unforgettable advisor.
Whether intentional or not, the result of this bizarre mixture of genres is a quirky and at times very intense co-op game that is an absolute blast to play through. The lack of offline split-screen co-op is however completely bemusing, especially considering how Old School Games describe God Mode as an retro inspired title, and how well its gameplay lends itself to couch based cooperative play. But this missed opportunity is nothing compared to God Mode's soul crushing item purchasing system.
Most titles on Xbox Live Arcade are just that, easily accessible arcade games that are quick and easy to get into and enjoy, but for whatever reason Old School Games decided to offer no choice in weapons or abilities at the start of God Mode aside from the default SMG, double-barrelled shotgun and flimsy shield.
More weapons, weapon mods and special abilities can be purchased in God Mode, but only if the required level cap is passed and if enough gold has been collected from defeated enemies. However, the amount of time it takes to acquire enough experience and gold to purchase the first available gun is a couple of hours minimum. Forcing all new players to use the same ineffective starter weapons and abilities not only removes the opportunity to explore the interesting strategies that can be formed later on, but it's just plain boring. This sort of excruciatingly slow acquisition of new gear is common in free-to-play games, but has no place in a paid downloadable title.
Those who are able to make it past God Mode's initial hours of tedious experience grinding will in fact find a truly satisfying, idiosyncratic arcade-style shoot 'em up with lots of variety and tons of character. Using shooter staples such as shotguns, machine guns, grenade launchers and plasma rifles against skeletons, cyclops, minotaurs and other mythological creatures is peculiar but at the same time enjoyably silly. God Mode's five mazes are large, varied and each feature some sort of visual spectacle such as one maze that revolves around a thunderous tornado, or another that features a gargantuan giant that watches the battle in awe.
Ultimately, God Mode's addictiveness comes in the form of its customisability and randomness. Once different abilities and weapons are purchased, players can create their own customised classes RPG-style which, when combined with those of other players, can lead to multiple different strategies being formed. For example, two players can use agility-limiting heavy weapons with a shield ability, while two other players back them up with healing abilities and light weapons for increased movement.
Certain game modifiers can also be activated prior to a match for experience boosts. These "Oaths" are disadvantageous to players, but can be balanced with particular combinations of abilities for maximum effectiveness. Despite pre-match preparation, the high number of "Test of Faith" modifiers that activate in each arena ensure that no particular strategy is ever fully waterproof. God Mode's modifiers range from total player invincibility to making enemies larger and tougher, giving players random weapons and even putting silly hats on every monster.
God Mode makes retro relevant
The high level of weapon, ability, and "Oath" customisation makes for very interesting character creation and team strategy building, while the dynamic "Tests of Faith" keep gameplay feeling fresh although not particularly original. The main complaints from God Mode players will undoubtedly arise from the poorly implemented and completely tedious experience and gold acquisition, which make the game's first few hours an unnecessary chore. While this issue persists later on in the game, it becomes more bearable once better weapons and abilities are purchased.
God Mode is a game that takes pride in its accessible retro-style gameplay, doing away with extraneous narrative and character development to offer a basic, yet visually pleasing arcade shooter that fans of games such as the aforementioned Serious Sam are very likely to enjoy. But those looking for more depth in their third person action are best finding their thrills elsewhere.
Official Site [God Mode]


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Reviewed By Paul M (Leominster, MA) Reviewed for a 2000 Toyota Tacoma —10/2/2009 6:03 AM
I recently bought the Lund Genesis Tri-Fold Tonneau cover for my truck and couldn't believe how easy it was to install. It actually took me more time to take it out of the box than it did to install. I was so amazed. I had one of the snap type covers and over half of the snaps were broken. Everytime I need to roll back the cover more snaps would break and after I was finished it took all my strength and a pair of pliars to stretch it back into place to resnap. What a pain. With the new Tri-Fold cover all I do is release the hold down handle and fold back. It rained the day after I installed it and not a single drop was found inside the bed. I am more than 100% satisfied. I would definitly recommend this cover to anyone and not hesitate to purchase this product again. Thanks for making this a perfect transaction all the way around from the affordability to the super fast shipment.


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I walked in the room and we all introduced ourselves. I took a seat after being instructed.
First question they asked me was why do I want to do this work? I replied, "It's in my heart and detailed in my resume are the steps I have taken to position myself here at this time".
Second question they asked was Do I currently work in the field and what do I do? I replied, " Yes I currently do work in this trade and I work for XYZ Heating and Cooling. I troubleshoot,repair, and pm on a daily basis. But I work on the small stuff right now. My goal is to move to the big stuff and continue growing as a tech".
Third question was what are my strengths? I replied, that I'm a quick learner and I'm very adaptive to my surroundings. Now with me saying this was want to add that I put in the work outside of work by reading books and the internet so that when I get to work I can be a great tech".
Lastly they asked if I had any questions? I asked them what is expected of myself as an apprentice on a daily basis? They replied, to walk onto the site and tell folks to get out my way and start fixing things. We all laughed .
Then there was a awkward silence for about 45 seconds and then they said thank you and you'll hear something in two weeks.
It was the most non personal and awkward interview I've ever had. I have no idea how I did because all they did was take notes and read my file .
What do you guys think about the entire exchange?


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OverviewAccording to the calendar, spring wasn't all that far away anymore. Temperatures were above average too, which had put an end to our ice climbing plans in the southwestern corner of the Swiss Alps. However, it takes more than a few warmer days to melt the big blanket of snow high up in the mountains, and since the forecast was excellent, it wasn't hard to find an alternative. And so I found myself on a three day snowshoe trip to Cabane des Aiguilles Rouges, bagging a couple of easy nearby peaks in the process.
The forecast proved to be right. Lots of sunshine and clear skies everyday guaranteed magnificent panoramic views of the Pennine Alps.


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Walt Disney Beauty and Beast Reflection of Love Sericel
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Absolutely 100% guaranteed authentic or full money backThe Story After seeing her sick father in the enchanted mirror, Belle makes the difficult decision to leave her new home, just as the rose petals begin to fall and her romance with the Beast begins to blossom. The Artwork The sericel, "Reflection of Love," was inspired by Sequence 18.1, Scene 12 of the classic 1991 animated feature. With Beauty and the Beast, Disney storytellers not only created complex, beloved characters, but also gave unprecedented significance to objects and props. The enchanted mirror, shown in this scene from the film, was an inspired storytelling device used to propel Belle from the Beast's castle, back to the provincial life she left behind. In addition, the symbolic rose - a principal element of the original, age-old fairy tale - was used as a "ticking clock" to propel the action and as a symbol of the Beast's urgent need to find a love who can see beyond his appearance and appreciate his inner beauty.
The Walt Disney Studios has created this character image using the fine art screen-printing process of color reproduction known as serigraphy. Disney artists, working from original animation drawings and film reference materials used for the production of Beauty and the Beast, specially created a hand-inked, hand-painted ... read more


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• Dupont Circle High Heel Race how-to: The 25th annual event is tonight, which means thousands will flood the streets for the 9 p.m. race.
• Dog walker not guilty in unscooped poop trial. The verdict is in: A Fairfax County woman has been found not guilty of violating the pooper scooper law.
• Light show. Local sky watchers may have witnessed a spectacular sight Monday night, when a phenomenon normally reserved for the world's northernmost corners was visible in the Washington area. Here's a collection of photos from across the country.
• D.C. homeless embrace "Occupy" protesters. Some resent the newcomers' claim on the park, but many say they are doing what city leaders haven't.
• Bear sighting or DWI? A stretch of Canal Road in Northwest Washington was closed Tuesday morning as police fished a car out of the canal. The driver blamed it on a bear sighting, but authorities think otherwise.
Of course we're on Facebook:


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Last Saturday we had a lovely day trip out with our former neighbours. We went to Wroxeter Roman Town which was very interesting. H got to dress up as a Roman man in a toga and we went round their replica Roman house. After our visit we went to a lovely pub on the banks of the River Severn for lunch and to drink in the view. After that we visited a nearby winery looking at the different types of vine they have growing and looking out for signs of animal life. There was definitely evidence that rabbits lived there and something bigger had been making holes and tunnels too. I'm not sure how you tell the difference between a badger's hole and a fox's.
On Sunday we went to a local annual event in a park close by. It's a very relaxed, non-commercial event really, certainly compared to the ones that the council tends to run: no noisy fairground rides. The park is run by a community trust and most of the stalls are for charities or local organisations. Local musicians come to play and people can either go for a while or stay all day with a picnic. H persuaded Grandma to buy him an ice lolly and this picture was taken shortly afterwards with his mouth coloured bright red from the strawberry split. We tend to just drop in to browse around, support the trust and see who we bump into. As ever the Hook a Duck stall proved irresistable to H and he was thrilled by his prize of some sweets.
It's been quite a busy week. We've been doing some preparations for the next school year (largely so we can forget about it during the holidays), so H now has a new, bigger book bag more suited to his junior status. Yes, he's going into juniors in September and I can't believe 3 years have gone so quick. We invested in some new school jumpers: we'd had the last ones for three years, so I can't really complain about how expensive they are (£16 each). There's a lot of change at H's school at the moment: a new head, a new deputy, changing to an academy group status and the lollipop man is retiring too. It will be interesting to see how it all beds down in the new year.


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VW confirmed that Michael Horn was leaving "to pursue other opportunities effective immediately".
The statement did not give any further information on the decision, which was a surprise given he was a veteran of 25 years at the company and had been president and chief executive of VW's US operation for only two years.
It was Horn who has had to handle the fallout from its admission in September that 600,000 cars were sold in the US with software designed to cheat emissions tests.
He admitted then that VW had been "dishonest", adding "we totally screwed up".
The company is still grappling with regulators over the terms of a fix for the vehicles affected while it also faces further, and potentially more damaging, bills from legal action.
A civil case announced by the US Department of Justice over alleged breaches of environmental law could run alongside investigations by state and federal regulators, while owners of the cars are also massing for class-action suits.
All that is in the US alone.
There are 11 million diesel vehicles affected worldwide.
Top VW officials in Germany, with a nod to the US, warned earlier this week that "unprecedented" fines against the company would be counterproductive as they would likely lead to sweeping job losses.
Mr Horn was the public face of VW in the immediate aftermath of the diesel emissions admission.
He told a US Congressional committee in October: "On behalf of our company, my colleagues in Germany and myself, I would like to offer a sincere apology for Volkswagen's use of a software programme that served to defeat the regular emissions testing regime," he said.
"We have broken the trust of our customers, dealerships and employees, as well as the public and regulators."
Mr Horn said he first learned VW's diesel cars had issues with dirty emissions in 2014 but insisted he was unaware of the cheating software until a day before the scheme was publicly revealed in September.
It was announced this week in Germany that 17 people are being investigated - up from an initial six.
French prosecutors also launched a formal investigation into suspected "aggravated fraud" by the company.


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UPDATE: A person of interest was taken into custody Thursday in connection with a caught-on-camera hit-and-run crash involving police officer in Pacific Palisades the night before, according to a spokeswoman for the Los Angeles Police Department.
The unidentified officer suffered multiple fractures in one leg and was listed Thursday in good condition at a hospital.
Gas station surveillance video captured the alleged hit-and-run driver who struck a Los Angeles police motorcycle on Pacific Coast Highway Wednesday night, police said.
The officer was struck at Sunset Boulevard and PCH about 7:51 p.m., according to the LAPD. The motorcycle skid down PCH about 60 feet, police said.
The alleged driver, in a silver Mercedes convertible, can be seen in surveillance video pulling into a nearby gas station shortly after striking the officer. The driver then gets out and appears to examine the damage on the front end of the car.
The car is shown driving away from the gas station.
The officer was taken to UCLA Medical Center with non-life-threatening injuries, police said.
Police were still searching for a Mercedes with California plate #6YIP620 as of 12:15 a.m. Thursday.
More Southern California Stories:
- PM Forecast: Cold Temps & Sunshine
- Police Address Uses of Force
- Kegs and Eggs at Wirtshaus
- 20 Arrests in Beach Riot
- Abducted Children Found Safe: LASD
- $75K Reward to Find Couple's Killer
- UC Student Loses Feet to Meningitis


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Security Alarm Decals on your client's windows and doors along with Security Signs posted on the premises most certainly will let the bad guys know they're being watched!
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Where to Use Security Alarm Stickers, Decals, and Window Clings
Home and Commercial Security Decals & Stickers can be used for or purchased by:
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Note Regarding Clear Decals
Under most circumstance any colors must be backed with white to prevent the colors from appearing "washed out." The white can back-up just the art or the entire background. In cases where the graphics or copy is thin or small, a "halo" print may be required.
The Visigraph 100% Satisfaction Guarantee
We pay careful attention to every detail on every order we receive, and our 100% Satisfaction Guarantee is just what it says…you'll love our decals or we'll re-do them. It doesn't happen often, but hey, we're human too! Rest assured, though, that if it does, we'll fix'em free of charge and with no hassle.
Other products that you may be interested in:


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My Nonprofit Reviews
Review for American Special Hockey Association, Crofton, MD, USA
As a huge hockey fan and the parent of a child with autism, I was thrilled to learn about the American Special Hockey Association several years ago. I immediately knew that I wanted to get involved to give more children the opportunity to learn and grow by playing this great sport. I started as a volunteer, then a coach, and now a board member. The program continues to improve and grow thanks to committed partners, coaches, parents, volunteers, and donors. As a donor, I like the fact that all donations directly support programs -- because ASHA has no paid staff or board members. When you support ASHA or any individual ASHA program, you can be assured that you are directly helping put more children on the ice, putting smiles on their faces, and contributing to their health and well-being.
More Feedback
Will you volunteer or donate to this organization beyond what is required of board members?
How much of an impact do you think this organization has?
Will you tell others about this organization?
When was your last experience with this nonprofit?


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Spanish authorities said three adults and three children, aged between four and six, died from suspected smoke inhalation after the fire broke out in the early hours of Saturday morning.
Firefighters and ambulances were called to the small rural hotel in the northern town of Tordomar where several more family members were trapped.
Another three adults and two children were taken to hospital with minor burns and respiratory complaints.
The injured include a seven-month-old baby boy and a girl aged five.
Ramiro Ruiz Medrano, Interior Ministry spokesman for the northern region of Castilla y Leon, said the five were in a stable condition and recovering well.
He said the family had been in bed asleep when the blaze broke out.
Local media cited Spanish officials saying the fire was started by a spark from a fireplace setting alight a sofa.
The family were thought to have been staying in the hotel for a celebration.
:: Watch Sky News live on television, on Sky channel 501, Virgin Media channel 602, Freeview channel 82 and Freesat channel 202.


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Unfortunately, this job is expired as of 9/2/2014.
To continue in your search through the appropriate job categories, click either Administrative Staff, Higher Education Executives, Faculty, Post-Doc and Graduate Assistants, . You can also utilize "guess-free" keyword search tools with up to eight pre-defined criteria. Search for and Apply to academic postings directly from the site. Post your background either confidentially or overtly. Stand out and be discovered!
Under the supervision of the Director of Emergency/Risk Management will be responsible for assisting in department operations such as building inspections, developing training, building inspections and website maintenance.
High school diploma or equivalent education plus six months to one year of related experience is required.
Must have a current drivers license.
Preference will be given to those with a bachelor's degree in a related field of study.
Knowledge of computer software such as Word, Email, Excel, Powerpoint.
Knowledge of Risk Management principles.
Knowledge of OSHA regulations.
Skill in interpersonal communication in both written and verbal.
Skill in critical thinking and problem solving.
Ability to function as a self starter.
Ability to be task oriented and work with minimal supervision.
Ability to work with a diverse population.
Ability to perform internet research.
|Employment Type:
|Administrative Staff
|Degree Required:
|High School
|See Job Description
|Level of Job:
|See Job Description
|See Job Description
|Type of School:
|4 - Year / Masters Institution
|Application Requirements:
Cover Letter
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The Huffington Post
August 20, 2009
In a new book, former Secretary of Homeland Security Tom Ridge reveals new details on politicization under President Bush, reports US News & World Report's Paul Bedard. Among other things, Ridge admits that he was pressured to raise the terror alert to help Bush win re-election in 2004.
Ridge was never invited to sit in on National Security Council meetings; was "blindsided" by the FBI in morning Oval Office meetings because the agency withheld critical information from him; found his urgings to block Michael Brown from being named head of the emergency agency blamed for the Hurricane Katrina disaster ignored; and was pushed to raise the security alert on the eve of President Bush's re-election, something he saw as politically motivated and worth resigning over.
Dave Weigel, writing for the Washington Independent, notes that in the past, Ridge has denied manipulating security information for political reasons. In 2004, for example, he said, "We don't do politics in the Department of Homeland Security."
The Bush administration was forced to admit in the days after the 2004 alert that it was based on intelligence three or four years old. Officials then claimed there was a previously unmentioned "separate stream of intelligence" that justified the warning — but offered little tangible information to support their new story..
ThinkProgress recalls, the AP reported that "even 'some senior Republicans' privately questioned Ridge's timing of a terror alert that came just three days after the Democratic National Convention."
Ridge's book, "The Test of Our Times: America Under Siege…and How We Can Be Safe Again," comes out September 1.


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Hi everybody,
I have about 30 minidv cassettes recorded in sony dcr-pc-109e in pal. I used to dv capture smoothly to my pc from camcorder before it broke. Now to make final copy in blueray I brought a spark minidv cam. It plays perfectly on its screen but when I capture to pc via firwire, video is jerky whenever the camera while recording had been moving. I also noticed similar jerkiness in moving camera in old songs on TV. But it's too much in my videos and making the capture useless. To surprise video is perfect whenever camera was still.
Please help!
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A short several second sample showing the jerkiness would help.
I suspect the video is being played with the wrong field order. Try a different player or a different DV decoder. Or try forcing the opposite field order if your player or decoder has such a setting.


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Ottawa hoping to regain urgency
Intensity has been a problem for the team that many predict will be playing for the Stanley Cup in June.
Updated: November 13, 2003, 1:22 PM ETBy By Jim Wilkie | NHL Insider
Expectations are so high in Ottawa that only a near-perfect start would satisfy fans and observers of the Senators this season. The Senators have been anything but perfect, however, and concern might grow into a panic if the team doesn't turn things around soon.
A 5-3 victory at Atlanta on Tuesday night that ended a five-game winless streak was a good start for Ottawa's attempt to climb out of the Northeast Division cellar. At 6-4-2-1, the Senators are tied with Montreal for 10th in the Eastern Conference and hardly have looked like the team that dominated the 2002-03 regular season.
"We've worked harder in the last three games, for sure," Senators defenseman Wade Redden told The Ottawa Citizen. "We're playing a little better positionally, we're a little more intense and it was a sharper game (Tuesday) when you look at everything at the end of the night. It's a confidence thing. It's good to get that feeling back, but we're not out of the woods yet."
Martin Havlat has paid the price for the time he missed.
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- Bruins Get Big Win
- Boston dealt a blow to Florida, while other Eastern playoff contenders looked to keep pace.
Inside the NHL
- Future Is Strong In Columbus
- While it's too late for this season, the Blue Jackets are getting healthy and showing how tough they will be moving forward.
LeBrun »
- Inside The NHL
- Marc-Andre Fleruy has to prove he can dominate in the playoffs before anyone will expect the Penguins to make noise this spring.
Inside the NHL


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5 Using graphic organizers
Graphic organizers enable the writer to organize material logically and to see relationships between and among ideas. Effective use of graphic organizers can help the writer to present his or her ideas in an effective and persuasive manner, resulting in a focused and coherent text.
Mapping it out
Graphic organizers (also known as concept maps and mind maps, among other terms) can take many forms, including a page of loosely organized notes, a simple outline, a Venn diagram, a connected organizational chart, or a bubble graph. Each of these structures has its own benefits. For example:
- The requirements of the outline format — for every Roman numeral I there should be a II, for every A there should be a B, and so on — can help a writer ensure that every point he or she makes is well thought out and includes sufficient detail and support.
- A Venn diagram is extremely effective when the writer plans to compare and contrast elements, as it helps to visualize similarities and differences.
- Connected organizational charts and bubble graphs are particularly helpful for visual learners, as they allow writers to map out ideas spatially.
Writers who exhibit problems with organization and coherence (a troublesome pair) might resist using graphic organizers due to the imposed structure and discipline that accompany their creation and use. Not surprisingly, these are the writers who can usually benefit most from using them.
At the other end of the spectrum are writers who perform the task of the graphic organizer almost exclusively in their thoughts without recording any written notes.
Although it may be tempting, it is not wise to impose the use of organizational structures on unwilling writers as if the graphic organizers themselves are the ultimate objective. Graphic organizers should instead be thought of as a means to an end — the end, of course, being the effective communication of ideas during the writing process.
When to use graphic organizers
Graphic organizers can be used during the pre-writing stage or at any other time during the writing process. For example, a student who has written a draft lacking in coherence and purposeful organization could benefit from using a graphic organizer during conferencing with the teacher or peers. The perspective gained from graphically visualizing ideas should persuade even the reluctant user of graphic organizers that some method of organization is necessary for effective communication.
Teachers can provide printed or electronic templates for all students to use individually as graphic organizers during the writing process. These templates can be used during a demonstration lesson as well. The teacher-student conferencing process, including the results of formative assessment, can help both teacher and student to determine which graphic organizer is best for each particular student during a specific writing assignment. This instructional-learning strategy also addresses the various learning styles that each student prefers. No matter the style or method, graphic organizers serve a critical role during any writing process.
Tools and templates for creating graphic organizers can be found at the following sites:
- Bubbl.us
- a free tool for creating color-coded mind maps online
- Thinkport.org
- offers a variety of pre-formatted graphic organizers in HTML, PDF, and Word document format
- TeacherVision
- provides access to an extensive list of graphic organizers for all subject areas
- Next: Drafting


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Electrical boxes, namely, electrical outlet boxes for commercial, residential and industrial applications
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Last edited by Matt700wlw; 06-06-2010 at 03:51 AM.
It's too early for Chapman and the show IMO. He needs more seasoning and bringing him up now would be rushing him IMO. I'd rather see LeCure pitch again if they want to skip Bailey again.
That wasn't the question.
Ah...well, Chapman's next scheduled start is on Monday. Here's to hoping they don't sit him out on Monday so he can pitch on Tuesday. I think that would be the wrong move.
Let Chapman get about 6 more starts in AAA and hopefully the Reds are right in the thick of things come August and he and Volquez give the team a real boost.
I'm not disagreeing with any of this, I'm just throwing out the possibility. That DC kid makes his debut Tuesday
Board Moderators may, at their discretion and judgment, delete and/or edit any messages that violate any of the following guidelines: 1. Explicit references to alleged illegal or unlawful acts. 2. Graphic sexual descriptions. 3. Racial or ethnic slurs. 4. Use of edgy language (including masked profanity). 5. Direct personal attacks, flames, fights, trolling, baiting, name-calling, general nuisance, excessive player criticism or anything along those lines. 6. Posting spam. 7. Each person may have only one user account. It is fine to be critical here - that's what this board is for. But let's not beat a subject or a player to death, please.


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Fabio Capello left Austria tonight with his mind made up over the make-up of his 23-man squad for the World Cup after taking encouragement from the displays of the likes of Joe Cole and Steven Gerrard, in central midfield, in a sluggish victory over Japan.
The Italian will telephone the seven players to be omitted from his provisional 30-strong squad on Tuesday once he has been updated on Gareth Barry's ankle injury. Yet, with the Manchester City midfielder seemingly making good progress, he is almost certain to be selected, with Gerrard expected to deputise in a deeper midfield role in England's opening game of the World Cup finals, against USA on 12 June.
Capello had initially indicated that he was still deliberating over one defender, one midfielder and one forward for the finals but a slack first‑half display against Japan – which saw England disjointed and trailing at the interval – was followed by a more aggressive approach thereafter.
It took a pair of own-goals from the side ranked fifth worst at the finals to see Capello's team to victory but the impression made by Cole, on his first international appearance in 20 months, and the balance in the centre once 4-4-2 had become 4-2-3-1 offered clarity.
"I had 23 players in my mind before the game and I have confirmed those now from what I learned today," said Capello, with obvious implications for the likes of Darren Bent, Tom Huddlestone and the three players in his party who did not appear here or against Mexico last Monday.
"I will tell people on 1 June," the Italian said. "We have to wait on Barry still to see what the doctor says to us after the last check and to find out how long we have before he can train with us. We have to know everything about this. But I know now.
"I wanted to see some players in the first half and we tried to play a different style. And you saw the result in the first half? It was not good. I know my players very well now and things haven't changed in my mind over this period [at the training camp]. Joe Cole is in a good moment – he's fresh because he didn't play a lot of games at Chelsea. But in the second half we all played very well."
It is almost three years since Gerrard and Frank Lampard, who missed a second‑half penalty here, have been paired together centrally from the start in a competitive game for England, though that appears to be the likeliest partnership against the USA in Barry's immediate absence. Their only start together in the interim was in a 1-0 friendly victory here in Austria under Steve McClaren, though Capello believes he can make them click where his predecessors failed.
"I think in the second half they played very well because the quality of these players is very high," said Capello. "When we had the ball, the quality of their passes was good. We have to speak with the players and practise more with these players in these positions. But I was happy with Gerrard's performance against Mexico and today's the same. For Frank Lampard, it was a normal position for him.
"I'm really happy because, in the second half I saw a lot of players going to the ball to win it back with the spirit of the team. They were more aggressive. It was not the same team that played against Mexico. We got to the ball always, then moved it well."
Lampard will remain the first‑choice penalty taker for England despite following up his miss for Chelsea against Portsmouth in the FA Cup final earlier this month with Eiji Kawashima denying him here. "Frank's the best penalty taker in England still," said Cole, who could view his own contribution with satisfaction.
"There are a lot of players hoping and a lot with a good case. You've just got to be pragmatic about it. I came here 10 days ago and I've trained well. I had a good finish to the season. I wasn't starting but I was having an impact coming off the bench. I just came here and did my thing.
"I feel fresh, fit and strong. I want to go to South Africa and have as good a tournament as I had last time [in Germany], hopefully a better one. I've never been in this position before, wondering whether I've done enough to make it, and it's a funny atmosphere. It's more excitement than anything. But there's nothing you can do. We've done everything we can now. What will be will be."


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1328 Tasting Notes
From the queue, written March 30th 2014
Project Africa!
I think this is the last of my current stock of African teas that have yet to be tried. I've never had a tea from Malawi before but as Malawi is sort of wedged in between Tanzania and Mozambique, both places I've had tea from, I'm not actually expecting anything totally new and unseen. It's geographically much closer to the Mozambique than to the Tanzania, just further west. It was also one that it was possible to get on the map with a good degree of accuracy. All I know about the estate is that they're Fair Trade and that they work to put quality over quantity.
The dry leaf certainly doesn't make me think any differently. They're CTC, but you really have to expect this when dealing with African teas. Orthodox leaf teas do exist, but CTC is by far more common. They have a lovely aroma, though. A little fruity and quite fudge-y with a little cocoa and a bit of caramel. I do sincerely hope that it can live up to this aroma!
After steeping, though, it's not the same at all. This is strong, black as coffee (nearly) and it smells largely of leather. The fruity note is gone and the fudge-y note has turned into malt. The trees do not grow into Heaven, as we say, meaning there are limits and you can't have everything.
As always with CTC I'm a little concerned that I've made it too strong, but it seems to have turned out all right. It has some astringency but not hugely and it's not bitter. It's actually quite sweet, but not only in a malty way. I feel like a little of that fudge has come back out to play here. Not very much of it, but a hint. As I sip, the astringent feeling sort of builds up a little and I also notice a few grassy hints to it, which I have to admit that I could live without.
If one was a milk-in-tea-er, this would carry milk wonderfully. I wouldn't have any qualms at all serving this to Husband's parents for breakfast when they're here. In England (or at least in the part of it that I am related to) milk is the default way to have tea. If you do not specify that you normally take it without, you will get milk in it, so that is why I think they could happily drink this. They're coming over for a few days before Easter, so I think I'll reserve this pouch for that purpose.
It does indeed strike me as quite similar to the Mozambique. Nothing really new here.
Reference map: https://www.google.com/maps/ms?msid=211803378882467968316.0004dd9c2591ff5d7d6bf&msa=0&ll=-17.098792,36.89209&spn=19.072988,24.060059 (I don't know why the 'short URL' ticky box won't work! I also don't know why I bother to keep trying to make it.)
From the queue, written March 29th 2014
Anna sent this one to me, I think. Or possibly it was in the EU TTB round 2. I'm not certain. I found one of Anna's number stickers loose in the box of things not yet tried, and I'm not certain which bag it fell off. It's definitely of Anna origin, though, because she's the only one I know who packs samples this way.
It is also a tea that several people have recommended to me on account of me liking almond flavoured tea recently, and it has been generally well rated on Steepster too, so I'm dealing with one of those popular blends now that everybody seems to drink.
I hope I won't be disappointed.
It smells wonderfully marcipan-y. More marcipan than almond, really. There's also something else there that I can't really put my finger on and I don't think it's the base tea.
Turns out that there was something else in here. It's something fairly tart and berry-y. Not Dreaded Hibiscus tart, but berry tart. I'm not sure what it is. Perhaps cherries? Normally I would have enjoyed a spot of berries, but the aroma here really led me to believe I was about to have something almond-y and marcipan-y, and I don't think I got that. At all. It's very difficult for me to find a marcipan-y note, but there is an almond-y note which comes out mostly in the aftertaste.
I have to say, I am actually a little disappointed. I want more almond. Less berry.
The description of it just says 'honey, rare spices and and fruits'. Well I found the fruits in the shape of possibly-cherries. I can't say I found anything resembling either rare spices and definitely no honey. I got nearly-almond in vast amounts in the aroma and a little in the flavour, but that can't really be categorised as neiter honey nor rare spice.
This was not what I expected. And definitely not what I had hoped. Boo.
Even so, that's what it tastes like to me, plus the description says 'fruit'. I'm not saying that there must be cherry in it. I'm saying that to me it tastes like cherry.
Vague descriptions are so frustrating, especially when you're trying to order teas online without getting to smell them.
I don't really care what made it taste like cherry if not actual cherry. Fact remains, I thought it tasted like cherry and neither like citrus nor spices of any sort.
From the queue, written March 29th 2014
This is the sort of simple thing that appeals to me. One simple flavour and that's it. No frills, no fuss. Anna shared this one with me.
Unfortunately, I'm not actually getting much in the way of strawberry flavour from it. It's definitely flavoured with something, but I'm not sure I think it's strawberry as such.
It's pleasant, though. I like that it's on a green type oolong. I think it works better than if it had been a darker one, in spite of the fact that I generally prefer the darker ones.
However, it's not really a tea that shines. It's good but also quite forgettable.
52teas – Dreamsicle Puerh
From the queue, written March 29th 2014
Courtney shared a sample of this one with me. I confess to not having the faintest clue as to what a dreamsicle is, but I think it's some kind of ice lolly, yes?
When pouring it was SO PALE coming out of the spout that I actually stopped to lift the lid and check that I had added leaf.
It smells citrus-y. Sort of lemon-y and grapefruit-y. I believe the base is also playing a part in this. It sort of feels like the lemon-y aspects are not added flavours, but I can't explain why I'm getting this impression. Other than that, I'm not really picking up anything of the base.
It tastes citrus-y too. More zesty than fruity. Again, I'm leaning towards grapefruit, but there's something else in here as well. Something sweet. Vanilla? I think vanilla. (Hm. I was trying to go for something different from the cup I just had. Perhaps under such circumstances, one shouldn't choose a tea flavoured to imitate something one doesn't know what is…). I'm still not getting anything out of the base, though. I think I would enjoy it more if I could find the base in this.
So dreamsicles. Some sort of grapefruit/citrus-y ice lolly with vanilla? Perhaps a vanilla ice cream center with the citrus-y ice lolly bit around it?
I think it's a play on the word creamsicle, but I could be wrong. A creamsicle is an orange flavoured ice cream pop.
Oh, wait. I Googled haha. A dreamsicle is different in that the inside is ice milk, rather than ice cream.
Courtney, sounds like my kind of thing then. A favourite Danish one for me as a child has vanilla ice cream in the middle and pineapple flavoured ice lolly covering. A classic. :) (Gosh, I totally want one now!)
From the queue, written March 29th 2014
Husband is out today at a whiskey fair, so I'm home alone all day. I'm going to take this opportunity to have a lot of flavoured stuff as, with the exception of the occasional EG, he's been quite disinterested in flavoured things recently.
I've dug through my box of untried things and picked out a number of little baggies. Steepsterites, I have an itinirary! Well, actually I strongly suspect it'll be impossible to get posts done about all of them today, but having this smaller pile to choose from makes it a little more manageble to choose something.
This is also where I've realised that I've got the EU TTB samples from the first and the second round mixed up because I've forgotten to number them. All is not lost, I can go back to the discussion thread and work out which is from which round, but it's a little annoying to have to do it. I haven't the faintest idea why I never numbered the first round samples in the first place. That was stupid.
Oh well. This one is a tea that Anna shared with me, and I've been a little scared of it because the name sounds so flowery. I don't like floral scented teas much. At least not if 'floral' is the only thing it's been flavoured with. (Halfway through the word 'flavoured' my brain apparently decided it liked 'scented' better. I ended up with 'flented'…) Therefore I decided to start with it and then it would be over with.
In order work out whether to use boiling or just under boiling water (I prefer flavoured teas just under boiling. I feel the flavouring behaves better that way) I looked it up in the database and was highly pleased to discover that it was actually vanilla and hazelnuts. Hooray! I love vanilla and I'm rather interested in nut-flavoured teas as well, so this sounds just like something for me. It also rather explains the flowery name, since we must remember that vanilla is an orchid.
For people who can understand French, this may all have been painfully obvious from the name. I don't know any French, save a small handful of random words, so I had nothing to go by. This brings me back to the whole pondering of whether or not to translate non-English names. I WISH all these French blends that are very fashionable around Steepster at the moment had names that I could actually read. How else am I supposed to know what they are? I'm not really super keen on having to take French lessons in order to read about other people drinking tea…
Now, small pet peeve aside, this smells lovely. More vanilla-y than nutty, but the nuts are definitely there as well. I can't pick up any notes of the base tea, though, but I can sort of feel that it's there.
The flavour is quite creamy. I could actually convince myself that it's cream-flavoured. I think it's the vanilla that does this, but in this cup I'm experiencing the vanilla as cream more than as vanilla, which I find a little disappointing. I mean, I like this as well, but… I want vanilla-y vanilla.
The hazelnuts, however, are very pleasant indeed. Sweet and nutty, and I can pick up the base as well. Again, I can't say anything about the base, other than 'it's tea'. It's just sort of a default tea-flavoured black tea, but I'm fine with that. I don't need a whole lot going on in a flavoured base. I just like to be able to tell that it's there.
In spite of earlier fears, I'm enjoying this.
Queued post, written March 26th 2014
This is one of the two vanilla blacks that Sil gave me a sample of for Christmas in a surprise card. Wasn't that nice of her? She spoils me, that woman does. I'm rewarding myself with it now, having conducted my first ever lemon bar experiment. It's cooling in the tin now and smells very very promising. (If you are curious, this is the recipe I used: http://www.bbcgoodfood.com/recipes/696634/lemon-bars) Of course Husband, who loves all things lemon in any way, shape or form, will now suspect I'm trying to curry favour. Especially since there are still two whole lemons left (reduced price for three lemons, needed four, so bought six) which indicates a lemon surprise pudding in his not too distant future. I shall have to convince him that I really truly haven't actually been a bad dog at all today. Truth is, we're almost out of biscuits and since I didn't know what sort to bake that didn't need a rolling pin (I must buy a new rolling pin!) I thought I'd attempt something a little alternative.
Anywho. This tea. My reward. Yes, I reward myself for having done something that is fun. That's perfectly normal behaviour, isn't it?
This smells very vanilla-y. Lying around in a ziplock bag probably hasn't done it any favours, so with this sort of strength to the aroma, I suspect it might have been as strongly aromatic as the Fru P one back when it was brand new.
The flavour is not as strong as Fru P, though, although it's clearly vanilla-y. The base strikes me as quite tannin-y, so that makes a big difference. At first I thought that this one was assam. It has that malty, cardboard-y feel to it and a great deal of raisin notes.
I've always felt that assam works wonderfully as a vanilla flavoured base, so I'm very much in favour of this. I think actually that it's that raisin note that makes it work so well for me. It makes it more… cake-y. As it turns out this base was actually a ceylon, and now I'm wondering where abouts on Sri Lanka it was grown to make it so assam-y. I don't know what base Fru P uses (I'd be surprised if she knows it), but it's definitely not this one.
I enjoy the assam-y notes of this base. I can close my eyes and pretend it is assam, and I like the balance between base and flavouring.
Queued post, written March 26th 2014
I found myself really wanting something black and raspberry flavoured, so I went rummaging through the ENORMOUS AMOUNTS of teas I haven't tried yet. It's got way out of hand. I've decided I'm not allowed to get new stuff until I've produced posts about a significant amount of them. Preferably all.
I didn't have anything that was definitely raspberry black. I've got some raspberry herbals, but that's not what I'm after. I want black. There are a great many number of blends with names that tell me nothing about what's in them, and it's very possible that some of those are raspberry-y, but I didn't want to go and look up a hundred samples only to find none of them had raspberry. I remembered this one, however, that Anna shared with me, and I could remember that the name means forest fruits from when I had received it and looked it up. I decided that it was the closest thing I got to a raspberry black and went with it.
I have to say it smells more blackberry-y than raspberry-y, but that's okay. I think it'll satisfy this sudden raspberry lust just as well. I don't often get these very specific ideas of what I want very often. Usually it's just in the realm of 'I fancy something flavoured, what have we got…?'
Oh yes, this shall do nicely. Again, it's more blackberry-y and black currant-y than raspberry-y, but it's close enough. It's quite sweet and not too forcefully flavoured. Still tastes like tea, tea being the dominant flavour. That is the balance I prefer in flavoured teas. Flavoured, but not too much so. I'm enjoying this very much.
(Not surprisingly, and confirming the hypothesis we've made of being taste opposites rather than taste twins when it comes to black teas, Anna didn't much care for this one. I've started to take a mediocre rating from Anna as a sign that I might be interested.)
Queued post, written March 26th 2014
Project Africa!
Once upon a time someone shared a large pouch of a Harney & Sons Kenya with me. I can't remember which estate that was, but I believe it could very well have been Milima. It was proper leaf, not CTC, like this one is and it was right nommy. The name Milima rings a bell.
Finding it on the map was devilishly difficult. It's one of the cluster of tea estates in the Kericho district, and if you look on google maps and soom in on that area, there is a very large bright green area with a label on it that simply says 'tea farms', and then only one or two of the estates are labeled. I've put a marker on one that I haven't even had any tea from, just in case I get some later. It'll be easier to find then. According to some sources on Google, the Milima estate was originally name Marinyn. In other places, however, it sounds like they are two separate estates. Some webshops even talk of a blend of Milima and Marinyn, so my thought is that perhaps Milima bought out Marinyn and brought it all under one name? It's possible. I saw one place however that mentioned that it was manufactured at the Saosa factory, and that I could find on the map, so that's where I put the marker.
I saw many references to 'clonal bushes' and one that stated it was Assam, so I'm thinking we're probably dealing with an Assam variety here. This also explains how it can be high-grown without getting that particularly high-grown quality that I dislike in Darjeelings, Nepal and high-grown Ceylon and the like.
This one seems quite well balanced between a touch of tannin and a soft, warm but also quite strong flavour. It's somehow tannin-y and smooth at the same time. I tend to think of the African teas as leaning more towards an Indian ideal, but this one strikes me as Chinese-esque, Assam variety aside. I believe it's likely to do with that very same smoothness, and also the fact that it's got a fairly good note of grain and even a certain floral aspect. I think it's related to the way that a Keemun can have a floral flavour. In some Keemuns that note comes off to me as floral and in others as smoky. I've long suspected that it might have something to do with the quality of the leaf, and I've noticed in myself to prefer the slightly lower quality Keemun. More oomph, more smoke, less dainty.
This Kenya, albeit with a floral note, is definitely in the oomph category. It's quite good to start the morning with.
Reference map: https://www.google.com/maps/ms?msid=211803378882467968316.0004dd9c2591ff5d7d6bf&msa=0&ll=-0.60973,35.675354&spn=2.504542,3.007507 (I apologise for the unwieldy link. Google wouldn't give me a shorter one)
Queued, written March 24th 2014. And RE the woes of tea provided by work, I have learned since that if I take a bag of English Breakfast and a bag of something fruity (I favour black currant) and steep them together, they make up for each others' short-comings and produce something which, although still not even within sight of 'lovely,' is at least fairly easily drinkable.
I had the sort of day today where, when I came home, I showed Husband the last dregs of a to-go coffee and a half eaten cake and said, 'this is my lunch today.' CRAAAAAZY busy! Luckily, or unluckily whichever way you look at it, I was right on the other side of the door from the coffee-vending machine at work, so although I never got to have either of my breaks, I still had tea.
Of sorts.
The hot water coming out of that thing isn't actually very hot. No more than 70°C or so, I expect. The selection of teabags is cheap Pickwick. I didn't really care, though. It was that or nothing, as I didn't have time to go and make some in the thermos. I tried the orange flavoured one, which tasted strongly of orange, but in the way that a borderline mouldy orange smells, and a strawberry flavoured one, which I used to love as a child but now struck me as uncommonly sweet and not very strawberry-y. It probably didn't help either that both bags were steeped to kingdom come in order to get anything out of the leaf in such cold water with a side-effect of a fair amount of astringency. They both tasted horrible, but as I discussed with someone recently, as an act of desperation, it's fine. Those two cups in fairly quick succession took care of my thirst and kept my slight caffeine-deprived/stress-induced headache at bay. (For this alone, those two bags would probably have been worth at least 95 points on the enjoyment scale!)
I'm home now, though, and I want some proper tea. Therefore I chose this one. I seem to be getting a little interested in Assam these days. Not hugely, but a bit. I bought this one with my recent TP order. Just the one sample. Not hugely interested. Just a bit. :)
The leaf smells lovely. A bit spicy and a bit tobacco-y and a lot raisin-y. I've noticed that in Assams before. The best cups of Assam I've ever had in my life were all heavily raisin-y in flavour. After steeping it doesn't smell that much like raisins though, which is a little bit of a disappointment. The aroma isn't actually superstrong in this cup, but I am getting some malty notes and something kind of dairy-like. There's a cream-ish quality to this, even though no additives have been put in there.
It has a very sweet and honey-like flavour, which made me nod in a sort of satisfied way. I quite enjoy that honey-y note. I've noticed it before in breakfast blends, but I seem to forget that Assam can create that note as well. It's not actually all about the raisins.
I'm getting that Assam cardboard-y aftertaste, but there isn't really very much of that. It's mostly the honey note right at first, paired with something a bit malty and sort of wood-y, and then a mild paper-y aftertaste.
After a few sips, a slight and pleasant astringency appears, and it becomes clear that this is actually a rather stronger tea than immediately believed. This is good, because that is exactly what I need. If I was an additive-adding kinda gal, this is the note that would have carried the milk, I expect. At this point they honey-sweet note has also transformed a bit, becoming more malty and borderline raisin-y. It's getting there, but it isn't actually raisin.
This is a lovely tea, and exactly what I needed at this point in time.
From the queue, written March 23rd 2014
Another from the EU TTB, round 2. A handy satchet with a fairly uncomplicated flavouring. That sounds like just the thing for me right now. I'm not sure if I've had Adagio's cranberry flavoured black before, but I quite like cranberry. I just don't seem to have it very often, with the exception of the Late Summer Blend from AC Perchs, which is vanilla and cranberry and which I am highly partial to.
It smells lovely. All berry-y and RED and juicy and sweet and fruity. I can detect the black base underneath, but not anything in particular about it. That's okay. So long as I can tell that there is a tea there, I'm okay with it. Flavouring should never be stronger than one can still tell that one is drinking tea and not hot juice. I'm also reminded of the raspberry oolong that AC Perchs have which I loved dearly for years but haven't had in a long time now. I just sort of reached the point where I didn't find it any less nommy at all, I just felt… finished with it. For a while at least. I rather think I'll be reacquainting myself with it again some time.
Anyway, this one is neither raspberry nor oolong, and it's not from ACP either. But it smells lovely.
I tastes nice too. Cranberry is a slightly astringent flavour and I'm getting that here as well. Just a little bit, but not in the same way that a tea which has been brewed carelessly becomes astringent from unhappiness. It's cranberry astringency. It's rather difficult to explain. Just accept my word for it. It's astringent, but it's berry-astringent which is not the same thing as tea-astringent. Same sort of mouth-reaction, but feels different.
The flavouring is fairly strong and it feels quite juicy to swallow. Again, as in the aroma, the base is coming through as a sort of 'default tea' flavour to it all, so that I know what I'm drinking, but there's nothing spectacular about it. I've seen plenty of people on Steepster write that Adagio's flavoured teas didn't really work for them, because they didn't like the base. I don't mind the base in these. It's too anonymous for me to have an opinion either way.
This is not a tea that one sits down and deciphers. It's something one drinks while logging on to Steam one late afternoon and debates with oneself whether to play Terraria or give that Aquaria game a second try.
Which is what I shall now do. (Any Steepsterites on Steam, do feel free to look me up if you like. Name to search for is Angrboda and I have the same icon as here, so you can't miss me.)


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All quotes by Cathy Poole
(5 quotes found)
"We might have had our biological families, but this was our extended family. Everyone was a brother or a sister. She was our mother."
"Both teams had a lot of serving errors. But the biggest problem we had was our passing game. We had our setter running all over the place and because of that we couldn't get our offense going."
"Of course I'm not happy about the loss. But overall I'm pleased with our performance. The girls played with their hearts and with a lot of intensity. This game is only going to better prepare us for the rest of the season."
"She was a true sportsman. She was courteous. If she lost, she would say, 'Good game. Thanks for playing.' If she won, she was ecstatic."
"You know how people have a talent and they want to share it? That was her thing. She gave of her time and talent."


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Legal Question in Credit and Debt Law in California
Secondary Credit Number (SCN)
What are these numbers? Legal? Fraud? Legitimate?
Several internet sites claim them to be a legal way of starting your credit life over with a new number, but not to dismiss the responsibility tied to your SSN.
1 Answer from Attorneys
Re: Secondary Credit Number (SCN)
They are fraudulent. From what I have seen of this scam, they have you apply for an Employer Identification Number, and try to establish credit under that number as opposed to your own. You have only one social security number, and one credit file, and creating a secondary one is fraudulent unless you legitimately establish a separate business entity, and apply for credit under that business entity - not using its number as your personal social security number.
*Due to the limitations of the LawGuru Forums, The Gibbs Law Firm, APC's (the "Firm") participation in responding to questions posted herein does not constitute legal advice, nor legal representation of the person or entity posting a question. No Attorney/Client relationship is or shall be construed to be created hereby. The information provided is general and requires that the poster obtain specific legal advice from an attorney. The poster shall not rely upon the information provided herein as legal advice nor as the basis for making any decisions of legal consequence.