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David Lerner Associates: Mutual Fund Fundamentals
Core Facts
We often hear that an investment portfolio should include a mutual fund. But what exactly is a mutual fund?
A mutual fund pools the money of several investors to acquire safety and securities. By investing in the fund, you'll own part of the complete portfolio of safety and securities, which could possibly be anywhere from a few to hundreds of stocks. This offers you with a convenient method to get immediate diversification that would be tougher to achieve by yourself.
Sorts of mutual funds
There are many mutual funds to select from. Two of the most typical kinds are stock mutual funds and bond mutual funds.
A stock fund invests in common stocks issued by US and/or worldwide companies. Funds are usually named and identified according to investment style or objective, which could be mentioned in various ways. For instance, some stock mutual funds buy stocks in businesses believed to have potential for long-term growth in share price. Other stock mutual funds seek current income by focusing on firms that pay dividends. Sector funds acquire stocks in a certain sector, such as technology or health care. Still other mutual funds might buy stocks based upon the size of the business (e.g., stocks of large, mid-size, or small firms).
Although the name of a stock mutual fund usually offers insight right into its investment style and objective, it is essential not to rely upon the name alone in identifying whether a certain fund is just what you wish. The fund prospectus is like an owner's handbook and also has information about the sort of financial investment style that the managers(s) utilize, and the type of stocks that the fund will buy.
Note: Prior to buying any kind of mutual fund, carefully consider its investment objectives, risks, fees, and expenses, which are discussed in the prospectus available from the fund. Read the prospectus carefully before investing.
A bond fund is composed of debt instruments that governments or firms issue to raise capital. They are designed to provide investors with interest income in the form of routinely scheduled dividends. If you purchased individual bonds, you would need to be concerned with their maturity days and the reinvestment of your funds. Purchasing shares of a bond fund eases you of these issues; the fund manager handles them for you.
Both funds are primarily classified according to the issuers of the bonds in the fund's portfolio and/or to the regard to the bonds. A money market fund buys extremely short-term debt instruments and is often used as a place to put cash money, short term, until it is required somewhere else. (Though a cash market fund attempts to keep a $1 per share worth, there is no guarantee it will consistently do so, and also it is feasible to lose money investing in a money market fund.) Index funds attempt to duplicate a standardized, broad-based index such as the Standard & Poor's 500 (S&P 500) stock index or Moody's bond index by holding a portfolio of the very same securities used by the index in an attempt to match the index's performance as closely as possible.
What are the advantages of purchasing a mutual fund?
Diversification: A lot of mutual funds own dozens or even hundreds of securities. The managers typically disperse the fund's assets over more than one kind of investment (e.g., both stocks and bonds, or stocks from a variety of industries). This exposes you to less potential risk than acquiring simply a few individual securities. If some of the fund's holdings perform poorly, they may be balanced out by others doing well (though diversification cannot guarantee a profit or ensure against a loss).
Professional money management: When you buy shares in an actively managed mutual fund, part of what you pay for is the fund supervisor's experience. The manager assesses hundreds of securities (both existing and contemplated holdings) and makes decisions on what as well as when to buy and sell.
Small investment amounts: Depending upon fund rules, you can open up an account and make subsequent contributions with a very small preliminary investment. You can even set up automatic investments through a transfer of funds from your bank account.
Liquidity: You can convert your mutual fund investment into cash (i.e., redeem your shares) by making a request to the fund company in writing, over the phone, or online on the Internet on any business day.
Of course, mutual funds are not guaranteed investments. The price of all mutual fund shares can change daily, as well as you'll receive the existing value of your shares when you sell-- which may be more or less than you paid. All investing entails risk, including the possible loss of principal, and there could be no assurance that any kind of investing strategy will achieve success.
Deciding on a fund
Selecting a mutual fund to invest in calls for more than choosing a fund from the Top 10 list of the best performers. Deciding on a mutual fund calls for cautious thinking about numerous aspects. One of the most vital of these to think about is to include your investment objectives, risk tolerance, and time horizon.
Spend some time considering these elements, then do as much research as you can. Many financial magazines and internet sites are good sources of information to use in an initial screen for suitable mutual funds.
Review the fund prospectus. It offers a good deal of information that you'll want to know regarding the fund, such as the fund's financial investment objective and style, and the fund's expenditures. To obtain a prospectus, call the mutual fund company directly, or go on the internet to the company's web site to download one.
Material contained in this article is provided for information purposes only and is not intended to be used in connection with the evaluation of any investments offered by David Lerner Associates, Inc. This material does not constitute an offer or recommendation to buy or sell securities and should not be considered in connection with the purchase or sale of securities. David Lerner Associates does not provide tax or legal advice. The information presented here is not specific to any individual's personal circumstances.
To the extent that this material concerns tax matters, it is not intended or written to be used, and cannot be used, by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Each taxpayer should seek independent advice from a tax professional based on his or her individual circumstances.
These materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable-- we cannot assure the accuracy or completeness of these materials. The information in these materials may change at any time and without notice. Some of this material has been provided by Broadridge Investor Communications Solutions, Inc.
Member FINRA & SIPC
Founded in 1976, David Lerner Associates is a privately-held broker/dealer with headquarters in Syosset, New York and branch offices in Westport, CT; Boca Raton, FL; Teaneck and Princeton, NJ; and White Plains, NY. For more information contact David Lerner Associates Call 516-921-4200 Visit our website: http://www.davidlerner.com
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A beautiful, innovative, efficient, and truly functional conversion application; and a great yet simple educational tool. "Convertor" is intended to ...
Discontinued App
Transportation | iPhone, iPad
Finance | Android
Productivity | iPhone, iPad
A beautiful, innovative, efficient, and truly functional conversion application; and a great yet simple educational tool. "Convertor" is intended to be the most efficient and elegant conversion application on the iPhone or iPod Touch. It allows one to very quickly convert a number to a new unit, explore new scales in Nature, teach about precision and scientific notation; and all this through a gorgeous interface that maximally leverages intuitive touch gestures for efficiency. Quick and efficient ------------------- As soon as you launch the app, a colorful panel is presented giving you immediate access to nine different conversion measures: length, area, volume, time, speed, mass, energy, force, and pressure. Just swipe to dial in an input number; double tap to increase/decrease orders of magnitudes quickly, and to increase/decrease precision if desired. Simply tap and swipe to convert your input to a desired unit or explore other units efficiently. Educational ----------- Employing scientific notation, the app also teaches one to focus on the significant figures of a number; great for high school students learning about the meaning of numbers in the sciences. Interesting units allow one to explore the natural scales of quantum mechanics, relativity, and gravity; while still providing common units in a range of field from Physics, Chemistry, and Astrophysics, to applied sciences, construction, and even cooking! Features ------- - Innovative tap and swipe gestures allow for a quick and efficient way to input numbers and to apply conversions - Beautiful and efficient interface - Quickly change from 2 to 5 significant figures, quickly increase order of magnitude - Nine measures supported with the following units: Length: Angstrom, NanoMeter, Micrometer, MilliMeter, Pica, CentiMeter, Inch, Feet, Natural, Yards, Meter, KiloMeter, Miles, Astronomical Unit, LightYear, Parsecs Area: Square Micron, Square MilliMeter, Square CentiMeter, Square Inch, Square Foot, Square Yard, Square Meter, Hectare, Acre, Square Mile, Square LightYear Volume: MicroLiter, MilliLiter, Teaspoon, Tablespoon, Cubic Inch, Ounce, Pint, Quart, Liter, Bucket, Cubic Foot, Bushel, Barrel, Cup, Gallon, Cubic Meter, Cubic KiloMeter, Cubic Mile Time: Natural, FemtoSeconds, NanoSeconds, MilliSeconds, Minutes, Hour, Day, Week, Year, Century, Millenia Speed: Millimeter per Second, CentiMeter per Second, Inch per Second, Kilometer per Hour, Feet per Second, Miles per Hour, Knot, Meter per Second, Sound Speed, KiloMeter per Second, Miles per Second, Natural Mass: NanoGram, Natural, MilliGram, Gram, Ounce, Pound, KiloGram, Slug, Ton Energy: ElectronVolt, MegaElectronVolt, Erg, MilliJoule, Joule, Calorie, BTU, Nutritional Calorie, KillWattHour, KiloGram Force: Dyne, Newton, Pound Pressure: MilliPascal, Pascal, Pounds per Square Foot, MilliBar, Mercury MilliMeter, KiloPascal, Mercury Inch, Pound per Square Inch, Bar, Atmosphere, KiloBar - Saves automatically last inputs in all nine measures upon closing the app; and loads them back in on next launch. This allows one to configure each measure with a desired default unit and precision, as well as store values. Enable this mode of operation through the iPhone/iPod Touch's Settings app. - Sound effects that can be turned on or off (from the common Settings panel of the iPhone/iPod touch)
Version: 1.0
Size: 432.36 KB
Price: 0,00 €
Day of release: 0000-00-0

subset: commoncrawl


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I'm watching Abraham Lincoln: Vampire Hunter as I type this. This movie has inspired me. Alternate history movies are a great idea!
I want to make a movie in the same vein as AL:VH, but have the protagonist be George W. Bush as he personally hunts down Saddam Hussein and single-handedly unites the Iraqi people. I'm thinking an action segment where G.W. is caught alone and must fight his way through the hostile streets of Baghdad. I'm talking G.W. in a tank being a bad-ass. G.W. in a jet being a bad-ass. G.W. being a bad-ass in hand to hand combat. G.W. saying "bad-ass" at least fifty times during the course of the movie.
When G.W. finally encounters Saddam, he lassos him (because G.W. is also a rancher) and publicly hangs him to the roaring cheers of the Iraqi people. Women flash G.W. their breasts and aren't beaten by their husbands. The flag in the public square is taken down and replaced by that of the red, white, and blue. George W. Bush is the face on all Iraqi currency.
Keep in mind, this is just my pitch. If Hollywood wants to give me some money, I will gladly quit my job to write the screenplay.
Here are some conceptual photos, on the house:


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US firm Akin Gump Strauss Hauer & Feld has gutted Hogan & Hartson's Geneva office to launch its own Swiss practice.
This is the latest defection from Hogan ahead of its 1 May agreed merger with Lovells.
Charles Adams, Hogan's Geneva office managing partner and co director of the firm's international litigation and arbitration practice, will lead the new Geneva office, which is due to open on 1 May.
He is being joined by Hogan's entire Geneva team, which is made up of tax partner Jonathan Ivinson and arbitration partner Michael Stepek as well as four associates.
The team will practice out of the same office Hogan opened in 2005 and will continue to focus on international arbitration, international civil litigation, corporate and commercial law and giving tax advice to corporates and high-net-worth individuals.
"We've very much enjoyed our five years with Hogan & Hartson, and have the highest regard for its senior management, lawyers, and staff," said Adams. "We wish our colleagues every success as they enter into their combination with Lovells, even as we, for our part, look forward to the exciting and rewarding new chapter on which we are about to embark."
According to Rick Burdick, Akin Gump's managing partner for international operations, the move is part of the firm's efforts to develop a world-class international arbitration practice, and that the growth would not stop there.
"We plan on growing our international arbitration practice and that's going to be in Geneva because that's where our most senior people are," he said, adding that having a footprint in Geneva would provide the firm with a good opportunity to expand its trade and funds practice.
The move comes shortly after 18 partners from Hogan & Hartson Raue announced they would launch an independent Berlin practice when Hogan's and Lovells merge 1 May 2010 (23 March 2010) and the entire Warsaw office of Hogan's defected to K&L Gates (8 March 2010).
Lovells has also announced that it will close its Chicago base once the merger with Hogan goes live (30 March 2010).
Hogan chairman Warren Gorrell said: "While we're sorry to see these lawyers leave, and we wish them well, their departure will not impact our plans or prospects. We continue to have extensive, highly regarded capabilities in international arbitration, tax, and international trade, and these capabilities will be augmented further following our combination with Lovells. We remain excited and bullish as we move ahead with our combination planning and the upcoming launch of Hogan Lovells."
The office will be Akin Gump's second in mainland Europe. The firm, which opened an office in London in 1997, also has a base in Moscow.


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E: firstname.lastname@example.com
Anuj Gopal Dubey is a feminist, human rights activist and has worked with young people in the field of sexuality, gender based violence, Dalit movements, RTI, HIV/AIDS, power & patriarchy, sexual and reproductive health and rights, volunteering and mass movements in the last 8-9 years. Anuj loves programme management, partnership building, community mobilisation, facilitating sessions and designing IEC material.
Prior to joining TYPF, Anuj worked with Breakthrough, Pratham, Ehsaas, MASWAV, and We Can campaign, and has carried out independent consultancies for UNICEF.


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ATLANTA - Gov. Sonny Perdue's task force on education finance recommended Monday that the state give school districts the room to decide how to spend state money.
But the panel only danced around discussing what it convened three years ago to do - revamp the formula the state uses to determine funding for K-12 education.
Instead, the panel voted to recommend that the state create more flexible spending rules for school systems, which lawmakers may consider during the next few months.
Under the committee's proposal, school systems that agree to meet more rigorous academic standards may be freed from mandates, such as strict class-size rules, and earn flexibility to spend state dollars where they choose.
Task force chairman Dean Alford, a former member of the state Board of Education, called the recommendation a "very important first step" toward reworking the funding formula.
But some observers say the task force is taking too long to accomplish its mission.
"It should have been on this agenda," said Sally FitzGerald, head of education policy for the Georgia PTA, following the meeting. "Three and a half years and all we have is a plan for flexibility? It's taking an inordinate amount of time to get where they're going."
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Happy Holi Images Pictures Hd Wallpaper we are sharing some best collection of latest news top Holi Dhulandi 12th 13th march 2016 Wallpapers photos Fb covers whatsapp images sharing profile pics information and details here.Seriously guys! Holi is my favorite festival and I enjoy this colorful festival very much. On …Read More »
Best Holi Songs 2017 DJ Mix Video mp3 New Old Holi Hindi Gane
Top Happy Holi Songs 2017 Video mp3 New Old Holi Hindi DJ Songs Holi is also known as the Festival of colors in India. It is a spring festival and perhaps the happiest and most colorful religious festival of the Hindus. Holi Festival is widely celebrated in India, Nepal and …Read More »
Best Happy Holi Quotes in 2017
Best Happy Holi Quotes in 2017 Hello, Guys here's a big collection of Best Happy Holi Quotes in 2017 and Happy Holi Wishes Quotes SMS & Messages etc. Holi is the most popular festival of India.It is the festival of Colors & it gives us a message of our life …Read More »
Best Holi Wishes in 2017
Best Happy Holi Wishes in 2017 Here we have arranged our epic assemblage of Holi Status 2017. Holi is the extremely celebration of India. Holi is a Hindu spring celebration in India and Nepal, otherwise called the celebration of hues or the celebration of sharing adoration. The celebration connotes the …Read More »
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Best Happy Holi Messages SMS in 2017 Festival Of colors is very Close, yes friends i am talking about Holi. Holi is the festival when all enemy become friends. It is the day when goods got victory over evil. it's the time of doing fun and joy and party. And Only …Read More »
Happy Holi Whatsapp Status DP Video In Hindi English
Happy Holi Whatsapp Status DP Video In Hindi English Hello, Friends welcome in Our World of Holi Festival Of Color Here You will get all data identified with Holi. In This site, we have all Holi Stuff Like Holi Wishes, Status, Images, Quotes, Greetings Video, Songs Etc. Holi is the …Read More »
Holi Calendar 2017 Date Of Holi Festival in 2017 Time Schedule
Holi Calendar 2017 Date Of Holi Festival in 2017 Time Schedule Just at the beginning of the year, people start looking for the Holi-Date in 2017 Calendar. This is because Holi is the first big Hindu Festival of the year. If you too search to find out Holi Calendar 2017 here …Read More »
Best Holi Essay in Hindi Sanskrit English
Best Holi Essay in Hindi Sanskrit English होली रंगों का त्योहार है जिसे हर वर्ष फागुन (मार्च) के महीने में विशेषतः हिन्दू धर्म के लोग बड़ी धूमधाम ओर हर्सो उल्लाष के मनाते है उत्साह से भरा ये त्योहार हमारे लिये एक दूसरे के प्रति स्नेह और दूरियाँ मिटाता है। इसमें …Read More »
Best Organic Natural Colors For Holi Buy Online
Best Organic Natural Colors For Holi Buy Online People who color their hair regularly will definitely tell you the woes of the task and how important it is to switch to ammonia free and other chemical free products. It is easy to go to the supermarket and pick up a …Read More »


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DARRIN JACKSON-WEEKS got his Medicaid card two years ago. He had been an H.I.V. counselor, a member of a private health plan. Suddenly he was an H.I.V. client on public assistance. As smart, informed and assertive as he still was, he felt the difference right away. He had been walked around the desk. He was looked upon as a poor person now. What could he possibly know?
''Not enough people are listening to the people who use health services,'' he said. ''It's life and death for us. We put doctors and the system on a pedestal. But we have to ask them questions and we have to get answers so we can make choices. We have to have a voice.''
To coach those voices into full throat, the Community Service Society of New York has been sending Mr. Jackson-Weeks and 15 other volunteers around the city to give classes to people on Medicaid. There is a new urgency to their need to know and be heard. The state is seeking permission from the Federal Government to require Medicaid recipients to select and join a health maintenance organization by the end of this year. There are 1.9 million Medicaid patients in this city, mostly children.
Last month, based on its survey of 421 Medicaid recipients in Harlem and the South Bronx, the society issued a study concluding that their transition to managed care would be difficult. They had not been educated to be medical customers, the society said, and would be at a severe disadvantage when faced with what the report called ''aggressive, and often misleading, marketing by H.M.O.'s.''
Ultimately, a poorly run system will not only worsen an individual's health, the society says, but will cost the city more money.Continue reading the main story
Last week, Mr. Jackson-Weeks, a lively 36-year-old with a forceful presentation, and Alice Simmons, an elegant 61-year-old with a theatrical voice, led 22 students of the Literacy Volunteers' Begin program in lower Manhattan into a preview of their new health care world. The students, many of them single mothers, are on welfare. They are preparing for jobs as home health aides, clerks and maintenance workers. Some are already in health plans that accept Medicaid. Most are used to a system in which they can go to any doctor who accepts Medicaid. They make their own appointments with specialists, which would no longer be allowed under the proposed changes, and they often use emergency rooms for primary care, which would no longer be reimbursed. In managed care, they were told, ''everything changes.'' There would be advantages and disadvantages.
''You will have to become your own advocate,'' Mr. Jackson-Weeks said. ''H.M.O.'s are about cutting down cost. They make money by keeping you from seeing the doctor. If things go wrong, you will have to speak up or they will do whatever they want and you will get lost in the system.''
Mrs. Simmons, smiling, stepped up. ''I deal with how to complain when things go wrong, which is the reality of this world,'' she said. ''When you call the H.M.O., you must always get the name of the person you are speaking with. Keep a paper trail, time and day and what they said to you. It never hurts to ask for a supervisor.''
One student, Reba Rush, 26, talked about her toddler's scalp infection. Four years later, he still has it, she said, because no one would listen to her early account.
''When they see that Medicaid card,'' Ms. Rush said, ''they have this type of attitude, like we are dirty and don't know about ourselves. You shouldn't ask questions; you're supposed to just take what they give because you're poor.''
''You are not poor!'' boomed Mrs. Simmons, a retired bank worker who was once on Medicaid. ''I don't allow that. Say to yourself, 'I am just in a situation where I need some help from a system that was set up for my benefit.' Accident, unemployment, it could happen to anyone.'' Community Services has a number, (212) 614-5400, to answer questions about managed care (don't always expect a live voice at the other end) and a readable booklet with excellent suggestions on how to navigate the new system.
The switch to mandatory managed care is of particular concern to patients with so-called special needs. Mr. Jackson-Weeks, 11 years H.I.V.-positive, says his survival would cost $20,000 a year on the open market. He feels comfortable with his doctors and nurses at the Downstate Medical Center in Brooklyn. He's worried about his future, even more worried, he says, about patients less sophisticated than he.
''We should also be giving workshops to the gatekeepers, to the doctors,'' Mr. Jackson-Weeks said. ''There's a lot of doctors from other countries dealing with Medicaid recipients. There's a culture clash. There's a lack of sensitivity. I face it all the time. But as long as I can give these workshops, I haven't lost my voice.''Continue reading the main story


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Boldmere Primary A team win 2017 Rotary Football Competition
Pupils from Boldmere Primary School A team, in Sutton Coldfield, won the recent football competition organised by the Rotary Club of Wylde Green for local schools on the 3G pitch at Sutton Coldfield Town Football Club.
Now in its sixth year, the competition for up to Year 6 pupils attracted 120 players from 8 local schools making up 15 teams.
The final was decided when Boldmere A beat Little Sutton A 2-1.
Everyone taking part received a medal. The runners up also had a trophy and the ultimate winners received a special shield that they will hold for the coming year.
Organiser of the competition, Nick Thurston, commented:
"I'd like to express my thanks to the students from BMET/Sutton College Football Foundation who acted as referees, pitch runners and provided other administrative help on the night.
"Rotary is all about working with communities. We've really enjoyed organising this event that brought together school pupils, teachers. parents, students, Rotarians and the local semi-pro football club, for healthy competition and community spirit."
Wylde Green Rotarians
Wylde Green Rotarians are enthusiastic, fun loving, active volunteers who give of their time and talents to serve communities. Meetings are held on Tuesday evenings starting at 7.30 pm at Pype Hayes Golf Club, Eachelhurst Road, Walmley, Sutton Coldfield, B76 1EP where a warm welcome awaits anyone interested in finding out more about the work of Rotary. Additional information is available by 'phoning 0121 378 1099 or from the Club's website at www.wyldegreenrotary.org.uk.


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2 Reviews
Daz6 of 6 people found this review helpful
Great Case and Grip
This case is very sturdy and solid. The handy grip handle makes taking photo's way more secure and steady. Makes getting the lens on and off easier.
Should have bought one ages ago.
Ade1 of 1 people found this review helpful
Such a great case, the handle makes you feel so much safer when taking more risky shots. Also love the way the case feels in the hand, adds some bulk to the phone, but this is a good thing.
Please Please Please bring out one for iPhone 7.


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D-Frag! Episode 11 English Subbed
You are watching D-Frag! Episode 11 English Subbed from the D-Frag! Anime Show. Watch or Download D-Frag! Episode 11 MP4 English Sub and other episodes of D-Frag! Streamed for Free.
"I Have a Secret Move?"
Stream D-Frag! Episode 11
Episode Summary: Takao comes up with a contest called "Cell Thievery" where each team tries to snatch an opposing player's cell phone and correctly answer a question about that person written on the phone. Roka demands that Kenji "princess carry" her after Tama's hug from earlier drained most of her strength, and the two of them run away with Sakura, but two of Tama's team are in hot pursuit. Eventually, Roka regains her strength and distracts Naganuma long enough for Kenji to knock him out of the game. Chitose finds herself losing against Tama's strength and needs help. Roka tells Kenji he has a secret move: the "Vertical Jump." Kenji literally jumps up to the second floor and is immediately surrounded by the Basketball Club.


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Original paper
Metamorphic fluids and multiple lithologies as sources for the gold-quartz vein deposits: Evidence from REE and isotope studies (Experience from the Kolar Gold Field, India)
Siva Siddaiah, N.
Global Tectonics and Metallogeny Volume 7 Number 1 (1999), p. 39 - 39
published: Jan 1, 1999
Open Access (paper can be downloaded for free)
The auriferous Kolar Schist Belt in the Dharwar craton of southern India is considered to be a late Archean suture between two gneissic terranes. Therefore the famous Kolar gold deposits offers an excellent opportunity to understand the relation between tectonic processes, fluid evolution and gold metallogeny. In Kolar gold occurs as steeply dipping sheeted quartz veins within the sheared komatiitic amphibolite only on the eastern part of the greenstone belt. The gold quartz veins have structural, mineralogical and textural features characteristic of mesothermal, low sulfide and high gold deposits present elsewhere in the world. We discuss here the nature of the fluid, fluid-path, and the processes involved in the formation of gold quartz vein deposits using lanthanide geochemistry, radiogenic and stable isotope data on various representative samples including gold quartz veins, altered and unaltered wall-rock, mineral separates (quartz, pyrite and calcite) and mafic inclusions from the gold quartz veins, and the intrusive pegmatites. The gold quartz vein samples have LREE - enriched HREE - depleted chondrite-normalised patterns without Eu anomaly. The monomineralic quartz from the gold quartz veins has very low concentrations of total REE (0.15 ppm) and has LREE - enriched and HREE - depleted chondrite-normalised abundances with positive Eu anomaly suggesting the REE pattern of the fluid that precipitated the gold bearing quartz veins. These REE patterns are similar to the REE patterns of the metamorphic fluids. The delta18O data for the quartz vein (11.6 %o) and the calculated delta18O for the fluid (8.2 %o) that precipitated the gold quartz veins deposits also suggest a metamorphic source for the fluids. The REE geochemistry of the gold quartz veins, the immediate alteration zone, and the host amphibolites indicate that the REE chemistry of the immediate amphibolite has been modified by the fluids during the carbonate alteration. The increase in REE abundances and the change in the REE patterns of the host rocks are likely to have been resulted from high fluid/rock ratios. Based on Nd isotopic data on the gold quartz veins, altered zone and the mafic inclusions, an amphibolitic source for the REE in the fluid has been proposed. The Pb isotope data on the vein quartz and on the galena from the gold quartz vein deposits suggest a mixed source (older gneiss and amphibolite) for the Pb. Osmium isotope data on the amphibolites and on the gold quartz vein deposits indicate a magmatic source for the noble metals. Whereas the REE and Nd isotopic data on the pegmatites associated with the gold quatz vein deposits indicate a gneissic source for the REE in the pegmatites. Thus the fluids responsible for gold quartz vein mineralization in the Kolar belt appear to have interacted with multiple lithologies of diverse composition and probably age during the protracted period of deformation associated with accretionary tectonics which brought the two late archean terranes in juxtaposition in Kolar area. The shear zones provided the channel ways for the focussed flow of the fluids in the competent amphibolites resulting in local alteration and deposition of gold quartz vein deposits. Thus the Kolar gold deposits are products of crustal accretionary processes associated with collision tectonics operated during late archean. Therefore, identification of suture zones in terranes reflecting Archean and Phanerozoic collision tectonics could be the first step in searching for giant gold deposits.
metamorphic fluids • gold-quartz • radiogenic • isotope data • kolar gold field • india


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CASSINO Platoon Autumn 1967 - First week of training. At The Royal Anglian
Reg HQ in Bury-St Edmunds
I'm Rear right with arm in a sling
Aha a fellow Anglian..Normandy Platoon 1984
1967 cassion
Here's a link to this photo. Just copy and paste!
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[URL=https://www.arrse.co.uk/community/gallery/photos/safari-company.5695/]Safari Company[/URL] by [URL=https://www.arrse.co.uk/community/gallery/authors/titch.17353/]titch[/URL] on Army Rumour Service
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notes of mysql revision tour
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VIDEO - Tourists looking for a place to stay, beware!
22/04/11 - The hospitality industry at the Flemish coast is doing brisk business. Almost all rooms are taken for the long Easter weekend. This also means that holiday makers who haven't made a reservation, could be in for a long search.


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South Vancouver Island
Wed. November 11th, 2009 – Sat. November 28th, 2009 8:00pm - 10:00pm
"Picnic" - An American Classic
The rosy ideal of the American Dream - the perfect family living
perfect lives in their home with a white picket fence - has
inspired and haunted American writers for generations.
The play "Picnic" by William Inge is set in small-town Kansas in
the early 1950s. The play bubbles with all the exuberance and
expectations and energy of youth and young love. At the same
time it lets us see behind the idealized façade of a perfect
America, exposing the loneliness and doubts that many people
feel and the hollowness for many of that grand elusive dream.
"Picnic" opened on Broadway in 1953 and immediately won
many prestigious awards including the Pulitzer Prize for Drama
and the New York Drama Critic's Award. The movie version in
1955, starring William Holden and Kim Novak, won two Academy
awards, a Golden Globe Award and was listed as one of the
10 best films of that year.
"Picnic" is as poignant and relevant today as the year it was
written and is now firmly established as a theatre classic.
"Picnic" is the second production of Langham Court Theatre's
81st season and is directed by Sylvia Rhodes, a thoroughbred in
Langham's stable of directors. "Picnic" opens Thursday November
12 and runs through Saturday November 28, with a 2-for-1
Preview on Wednesday November 11. Matinees are on Saturdays
November 21 and 28 at 2 pm. Tickets and more information
are available at the Langham Court Box Oce by calling
(250) 384-2142 or online at langhamcourttheatre.bc.ca
November 2017 INSPIRED Senior Living


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2003 elections
Expand Messages
- The AAA has now completed tabulating the results of the 2003 elections
for SACC officers. Thanks to all those who let their names stand. The
winner of the election for SACC president-elect is Dianne Chidester. The
winner of the
election for vice-president for membership and development is Mark
Bob Muckle
SACC President
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It is obvious to see that everybody is unique because of the differences vary from.one to another. Clearly, the reason is related to the following parts of people:the need, the ambition, the impulse and the expectation. Then, it's pretty clear to see that why some guys support some idea while others disagree; why some great people are considered to be born great governers while some people are fated to be the conformers;why some men are gifted in science while some women are talented in art.

Actually, the lifestyle determines a lot. The following 9 different lifestyles are the typical and major 9 kinds of Americans with statistics.

Type 1: THE GOU

There are 6000 thousand of the kind of people in the US. The kind of people are featured with extremely poverty. They are inclined to be deperated, depressed, doubtful and cowered. They are dissatisfied with the situation they are in and are strongly protest against the conservatism. The most of them are under poor education, stuck in the illness or with old age. Among all the Americans, they believe the world is changing rapidly from second to second.

Type 2:THE SUSTAINER

There are 11,000 thousand of the kind of people in the US. These people have the intention to be raged, rebellion and suspicious. They are regressive and they love fighting without considering any consequence of their behaviours. Unlike THE GOUS, they still have their hopes and try to make the progress in their finance. However, quite a number of people still survive against poverty and usually participate in the underground economic activities, such like the smuggling and drug dealing.

TYPE 3: THE AFFIILIATED

The kind of people make up the biggest part of all of the kinds, with the number of around 60,000. They are always considered to be the middle class. They are traditional, consistent, conservative, moral, unexperienced and family oriented and patriotic–the group of people with the lifestyle of the ancient values. The major impulse of them is to adjust but not to express.

TYPE 4: THE COMPETITORS

The kind of people are full of the competitiveness, ambition, push and flamboyant style. They make effort to pursue the things they want and are quite successful. They have more desires and needs than the affiliated people do. Around 13,000 thousand of Americans are concluded in the group. They belong to the trasitional group started from the confident affiliated people and are ready to go ahead to be the successful people.

TYPE 5 :THE WINNERS

There are around 35,000 people in the group. They are reallt on the peak in their career.They establish the "system" and are still holding the heading.This a group which has already made sure of the specific goals of their lifestyle. They are talented, hard working, independent, successful in their careers and happy with their life. The winners quite steadily favor the consevatism and protest agains the greatly sharpe changes in the politics and in the society.

TYPE 6: THE EGOS

This is the group of the lifestyle with the youngest values in America.(the average age of the people in the gr


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Chiropractors have been involved in the treatment of sports people and sports-related injuries from the very beginning of the profession. They see patients of all ages and abilities with a range of acute and chronic conditions.
New patients tend to visit a chiropractor for crisis care when they have sustained an injury and are in pain, but they soon learn the benefits of a regular maintenance programme and pre-tournament care.
With sports care, along with general chiropractic care, your chiropractor is not just concerned with the treatment of injuries but is concerned about how to prevent them in the first place. Prevention may come from a change of posture or seating arrangements, or by identifying a mechanical dysfunction which you may not be aware of, but is stopping you from performing to your maximum capability. For those involved in sports, it does not matter if you are a professional or play sports for fun and well-being, chiropractic care will be appropriate.
As a discipline that deals with functional disorders of the joints, chiropractic is suited to being included as part of the medical back-up team of any sport.


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The operation of a nameserver service places high demands on reliability, speed and redundancy. Reliability is the foundation of the service. Without the foolproofness of the nameserver, other services could possibly be affected by breakdowns. Such breakdowns can cost money or even your existence.
Characteristics of our DNS Infrastructure
|In regard to the reload speed, we realise the admittance of the respective zones into our system within a few seconds.
|For reasons of redundancy the nameservers are operated at three different locations.
|Our nameservers are treated as an important part of the infrastructure and are maintained and monitored accordingly.
|By the way: Our DNS can be quickly and easily managed using the XML API.
Sonderpreise für .ONLINE, .TECH und .STORE
Sonderpreise für .ONLINE, .TECH und .STORE
Phone: +49 (0) 261 500 810 81
Fax: +49 (0) 261 500 810 91
Business hours
mo.-fr. from 9 a.m. to 5 p.m.
E-Mail: firstname.lastname@example.com
Fax: +49 (0) 261 500 810 91
Business hours
mo.-fr. from 9 a.m. to 5 p.m.
E-Mail: email@example.com


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fancy room escape
Description: Play Fancy room escape by finding the clues in the room. The clues are hidden among the objects in the room. Gain more points by escaping from the room as soon as possible. Good luck.! Visit our collection of other escape games.
Instructions: Play with mouse only.
Tags: fancy, fancy room escape, Room escape, smily clickerRate this:


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0 items ·
Check out
is back-ordered. We will ship it separately in 10 to 15 days.
Carson Home Accents' Tears Garden Stone is cast in resin to emulate the look of slate or sandstone. It has a UV coating for lasting outdoor protection and a keyhole hanger is cast into the back for hanging. It measures approximately 10.5" x 8" and reads: "If tears could build a stairway and memories a lane, I'd walk right up to heaven and bring you home again." Carson Home Accents has been creating products with exceptional design, quality and value for over 40 years.
Copyright © 2017 Capital Books and Wellness. Ecommerce Software by Shopify.


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Tom Miller: Hedgecock wrestling with success
Haley Hedgecock loves wrestling.
So much so that three years ago she decided to transfer from UW-Oshkosh to the University of Jamestown to join the Jimmies' women's squad.
The University of Jamestown is in North Dakota, some 600-plus miles from her hometown of Janesville.
Like I said, she loves wrestling.
"It was the closest school that I could compete at," she said.
Haley, who is ranked fifth nationally in the 109-pound weight class, began wrestling in sixth grade. Even at that age, she was behind the curve of the Hedgecock family.
Haley's father, Mat, was a long-time youth wrestling coach and volunteer assistant at Parker High before his third-shift job forced him to give up those duties. Her brothers, Jordan, who is 29, and Wade, 27, both wrestled for the Vikings under coach Ron Cramer.
"It's definitely a family thing," Haley said.
"I used to take Haley up to the state tournament," Mat said. "We loved watching that."
But Mat wasn't gung-ho about allowing his daughter to wrestle. He finally allowed her to begin in sixth grade, after a one-on-one basketball game. Haley lost and had to train with her dad for a month before wrestling.
If that didn't convince him his daughter could handle it, her first tournament did.
"She got beat pretty good," Mat said. "But she loved it."
Hedgecock lettered her first two years at Parker High with Cramer as coach. Cramer retired after her sophomore season in 2010, and Andy Tubbs took over.
At about that time, a shoulder injury cut short her time on the mat.
"I separated my shoulder at the end of my freshman year going to nationals," she said. "It just kind of lingered on throughout high school."
She finally underwent surgery before her senior season because she wanted to wrestle in college. That kept her out of her senior season.
Hedgecock has fond memories of her wrestling experience at Parker.
"At Parker, we had a lot of girls (out)," she said. "We had more girls out than the rest of the conference combined. There were at least five or six of us."
And the guys accepted them—especially Haley, who knew most of the upperclassmen through her father being a coach.
"We were very welcomed," she said. "Our team was very accepting of the girls. I never did (feel uncomfortable)."
First Oshkosh, then Jamestown
Haley enrolled at UW-Oshkosh, but only after she visited Jamestown and talked with Tony Deanda, the women's wrestling coach. Her shoulder still wasn't 100 percent, so she went to Oshkosh.
The shoulder responded to rehabilitation, and the itch to wrestle returned after two years away from the sport.
She informed her parents of her intention to transfer to the North Dakota school after her freshman year at Oshkosh.
"I was excited," Mat said. "I don't think my wife (Laurie) was, though. She was more worried about the shoulder."
But Haley was off to Jamestown, one of the few schools in the country that offer women's wrestling.
She won three matches her sophomore year as she got back into the swing of things. Last season, she increased the win total to 10. Now this year she is 18-8 at 109 pounds.
Deanda, who coached at Northern Michigan University from 2005 to 2011 before taking over the Jamestown women's program, said Hedgecock has been a great addition.
"She's done a lot of great things for us," Deanda said. "She's a leader."
GPS needed for students, meets
The Jimmies' women's wrestling roster includes students from Staten Island, New York; Chicago; Santa Monica and Van Nuys, California; Houston; Toppenish, Washington; San Diego; Traverse City, Michigan; Regina, Saskatchewan; Anchorage, Alaska; and El Paso, Texas.
Apparently, if you start a women's wrestling program, they will come.
Finding other teams to wrestle, though, is difficult. With so few schools offering women's wrestling, multi-team tournaments make up the schedule.
This season, Jamestown had meets in Fremont, Nebraska; Winnipeg, Manitoba; Forest City, Iowa; Marshall, Missouri; Regina, Saskatchewan; Las Vegas; Fort Wayne, Indiana; Lebanon, Illinois; and this weekend in Oklahoma City.
On Tuesday night, Hedgecock and her teammates were in the midst of a 14-hour bus trip to the site of WCWA College Nationals on Friday and Saturday.
The Jimmies are used to it. A trip to Saskatchewan takes 12 hours, Deanda said. Winnipeg is only about five hours away.
"Winnipeg isn't next door, but it isn't as far as a lot of them," he said.
Hedgecock likely won't have to put up with many more of those bus marathons. She is now battling a muscle injury on the top of her foot. But with this weekend's national tournament possibly the final competition in her career, she is not going to sit out.
And her family will be there to watch. Mat plans to hit the road as soon as he gets out of work Thursday morning. It will be a 13-hour drive for them.
Haley, who made the Dean's List (3.5 GPA), is majoring in exercise science, with a minor in psychology, and has applied to both UW-La Crosse and UW-River Falls for their graduate programs in clinical exercise for cardiac rehabilitation.
She also found another reward by transferring to Jamestown. She met Austin Helmer, a D.C. Everest High graduate, who wrestled at Jamestown and is now an assistant coach for the Jamestown High wrestling squad.
They are engaged, and Haley hopes they can return to Wisconsin if she gets accepted into a graduate program.
Until then, she will finish out with the 14-hour bus trip back to Jamestown after this weekend's competition.
It's the love of the sport that put her 630 miles away from home.
"Hopefully, within a couple of years, Wisconsin or Northern Illinois will have a women's program," she said.
Tom Miller is a sports writer/page designer for The Gazette.


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There are certain things in life that have to happen because they decide who we will be. When those things come, they will either make us or break us.
To Kara Schmitt, it seems like a breaking kind of thing.
To have her beloved mother be murdered, then have to go to an orphanage, is probably the worst thing ever to happen. For a whole year of befriending her Rhett and Link fanatic friend and playing with Raven, Kara, by the length of a year, knew that she would never be adopted.
Or at least, that's what she thought.
And it was the hardest thing to believe who her new parents were.
- adopted
- link
- linkneal
- orphan
- rhett
- rhettandlink
- rhettmclaughlin
- violin
- youtube


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The Picasso Cows Curriculum Program is a Dairy Australia program aimed specifically at primary schools. This interactive learning program aims to educate students, teachers and parents about dairy nutrition and key aspects of Australia's dairy industry.
Cows Create Careers is a Dairy Australia project. Established in 2004 by the Strzelecki Lions Club, the Cows Create Careers project promotes career and education opportunities in the dairy industry across vocational and university pathways.
National All Dairy Breeds Youth Camp is a program aimed at post-secondary participants. The program aims to support young people as they develop their interest in the dairy industry.


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Anthology is a new monthly series from Digilicious Designs & Meghan Mullens. With a song lyric undertone each Anthology kit will detail some aspect of life. Anthology: Celebrate is the second installment and focuses on Birthdays and Celebrations. Perfect for scrapping those photos of you having a "Happy Birthday" or a big "Celebration"
Includes 25 papers including 9 kraft solids, 3 alphas on a png sheet, and over 85 elements including arrows, bows, banner, birthday candles, cake, balloons, party ribbons, project cards, clip, confetti, flair, presents and gifts, flowers, leaf, frames, paint, stars, number candles, labels and much more!!


text: pgp4pine is an interactive program for using PGP with email programs, specifically Pine. It is compatible with PGP2.6.3i, PGP5.0, and GnuPG 0.92. License: GPL Michael Beattie (firstname.lastname@example.com) PGP Key available, reply with "pgpkey" as subject. ----------------------------------------------------------------------------- "Bother," said Pooh, as he heard, "Will the Defendant please rise." ----------------------------------------------------------------------------- Debian GNU/Linux.... Ooohh You are missing out!


text: Gildan Shares Drop on Weak Profits, Forecast Fourth-quarter earnings for Gildan Activewear were hurt by a one-time Canadian income tax charge. By Arnold J. Karr on December 12, 2008 Shares of Gildan Activewear Inc. dropped 35 percent Thursday after the firm said fourth-quarter profits were almost cut in half and provided gloomy assessments for earnings, revenues and margins in the new year.In the three months ended Oct. 5, net income fell 47.6 percent to $21.4 million, or 18 cents a diluted share, from $40.9 million, or 34 cents, in last year's quarter. Excluding a one-time income tax charge reflecting a final agreement with the Canada Revenue Agency after an audit, EPS was 41 cents, 2 cents lower than analysts expected. Boosted by its acquisition of hosiery manufacturer V.I. Prewett & Son Inc., a rise of 10.2 percent in activewear unit selling prices and an 8.5 percent increase in unit volume for activewear and underwear, quarterly sales were up 27.4 percent to $324.7 million from $254.9 million. Gross margin slid to 32.1 percent of sales from 32.2 percent.Investors, however, were more alarmed by the firm's guidance and outlook for fiscal 2009 than by the final results of 2008. The company initiated earnings guidance for the year of between $1.10 and $1.30 a share, excluding restructuring charges, well below the $1.86 consensus estimate. Analysts had expected first-quarter EPS of 27 cents, but Gildan said it now expected to finish the period with EPS between 0 cents and 5 cents. Although Gildan continued to build market share in October, its unit shipments to distributors fell. "The company's current planning scenario for fiscal 2009 assumes that overall industry unit shipments in the U.S. screen-print channel will decline by approximately 10 percent compared with fiscal 2008," the firm said, "and that the ensuing unfavorable industry supply-demand balance will result in significant discounting of industry selling prices, which has already started to occur."Gildan's shares closed at $9.19, down from $14.17 in New York Stock Exchange trading Thursday. Although based in Montreal, Gildan reports its results in U.S. dollars.Capital expenditures for 2009 are now projected at $115 million versus a previous estimate of $160 million. To access this article, click here to subscribe or click here to log in. load comments blog comments powered by Disqus


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By Pat Nichol
View all articles by this author
The second most expensive item people purchase, next only to our homes, is a car. For many, a vehicle is an extension of their personality. Not an item to be purchased indiscriminately, it is something we will (hopefully) keep for a while.
Given that, selecting a car should take some thought: large or small, how many seats, do we want it to be ours alone or should we plan on ferrying friends? Interestingly, for me, the colour is also an important feature. Although I find they look exciting, red cars and me don't mix. When I'm behind the wheel, red cars attract accidents. A yellow car would be fun, but then I hear my father's voice in my head talking about lemons. Not good. My last car was black, and my next car will probably be black too, although, I do have visions of one in deep purple.
For the past month, I've been on a search for a car that is sleek, sexy and makes me feel powerful behind the wheel. Sleek, sexy, powerful – a hard bill to fill when car salespersons don't see you that way. It has been a most interesting experience.
At some places, I must have been wearing my invisible cloak - no one bothered to come near me. In one case, my daughter was doing some preliminary searching for me, and the salesperson told her which car I needed - without ever having met me! As it happens, that particular model is one that I would NOT want. Or how about the very young salesperson who suggested, when I commented about the car being close to the ground, that there were cars made for older people. Scratch that sale!
In every case, I left my wish list and phone number with each salesperson I spoke with. Maybe the car I want doesn't exist because only one has followed up.
Here I am, with a car to trade, cash in my pocket and ready to buy. It seems simple, two doors, automatic, good sound system, large trunk and a few other minor requests. Maybe like last time, I will drive onto a lot and MY CAR will be sitting there waiting for me to claim it. I hope so, and I hope so soon.
Perhaps by the time you're reading this column, I will be driving around in something sleek, sexy and powerful.
This article has been viewed 1798 times.
Comments that include profanity, personal attacks, or antisocial behavior such as "spamming," "trolling," or any other inappropriate material will be removed from the site. We will take steps to block users who violate any of our "terms of use". You are fully responsible for the content you post. Senior Living takes no responsibility for the views and opinions of members using this discussion area.
November 2017 INSPIRED Senior Living


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Review of ProveMyCopyright.com
Madalyn's Note: I have enlisted a few writers from our GoGirlsMusic.com community to assist me from time to time with service and product reviews. Here is the first of many. Enjoy!
Copyrights and Copywrongs is the title of a very interesting book by Siva Vaidhyanathan published in 2001. Siva takes issue with the rise of copyright enforcement and how it threatens to strangle creativity. His argument is for a future of "thin" copyright that allows creators to receive an incentive of their work but also the consumers to take advantage of the rich knowledge pool for enrichment and development. While we do need some revisions of copyright law to adapt to the digital age, copyright is here to stay. The constitution includes a copyright clause, the foundation of all copyright legislation: "To promote the Progress of Science and useful Arts, by securing for limited Times to Authors and Inventors the exclusive Right to their respective Writings and Discoveries."
Such intentions are noble and many authors and inventors have greatly benefitted from the exclusive rights guaranteed to them and contributed to the progress of mankind. At the moment of creation of a new work of art, such as a song, a picture, an essay, or a film, the creator owns the copyright. That seems simple enough, but what happens if someone uses the work of art without acknowledging the creator and getting necessary licenses? Well, usually there'll be a friendly reminder about doing just that and if the infringer doesn't comply, litigation becomes necessary. The court will evaluate the resemblance of the infringer's product to the original, possible access of the infringer to the product in question, and compare dates of creation. If all factors are in favor of the litigating creator, the court will demand to see the official copyright registration certificate of the work. Well, it would be a shame and a difficult process if after all these legal costs and transactions that certificate couldn't be produced in order to get final judgment and due reward.
Provemycopyright.com is a website administered in Sweden and set up as an alternative to the costly and lengthy process of copyright registration with the US copyright office. The process is simple. The user buys an account for $99 per year with one gigabyte of space and loads up any creations – music files, photographs, essays, etc. Every time a file is uploaded, an automatic watermarking system is activated and the user will receive a certificate with a time registration. Such a certificate can be most useful in proving the time of creation for copyright disputes. Considering that each registration with the copyright office costs $45 for paper registration and $35 for online registration, the process can become very costly for artists with large output. Provemycopyright.com seems like an efficient and money saving alternative. For example, a photographer might get inspired and fill up the memory of her digital camera with hundreds of photos. Many of them seem worth keeping and show potential for further use. A quick upload to provemycopyright.com doesn't cost a penny besides the initial $99 account fee, but a registration with the US Copyright would get very costly and take 3 – 4 months. Remember it's $45 per registration and a form needs to be filled out every time. For similar scenarios involving large numbers of art pieces, provemycopyright.com seems an ideal solution for quick registration and storage.
Provemycopyright.com is a useful tool to store pieces, get time stamps, keep track of creation dates, and provide a legal basis for protection. Especially for artists with large output this can be a great tool to document their output. Such time certificates will also support a dispute with infringers and can help settle cases without costly litigation. But please do register your most valuable work with the US Copyright office in addition as the certificate will be essential proof in case of actual litigation in court.
Copyright © 2008 Monika Herzig, http://www.monikaherzig.com/
Monika Herzig is a jazz pianist/ recording artist for Owl Studios and a full-time member of the Arts Administration Faculty at Indiana University. She has performed at many prestigious jazz clubs and festivals, such as the Indy Jazz Fest, Cleveland's Nighttown, Louisville's Jazz Factory, the W.C.Handy Festival, Jazz in July in Bloomington and Cincinnati, Columbus' Jazz & Rib Fest, to name just a few. Groups under her leadership have toured Germany and Italy, opened for acts such as Tower of Power, Sting, the Dixie Dregs, Yes, and more. More info is available at http://www.blogger.com/www.monikaherzig.com. Her most recent releases are available at owlstudios.com. Thomas Garner from Garageradio.com writes about "What Have You Gone and Done?, her most recent release: "I was totally awed by the fine musicianship throughout".
Labels: copyrights, ProveMyCopyright.com


text: I learned so much from this program. These people were such a help to me as I didn't know alot about the things I needed to know. I was so proud to be a part of this program. I would like to say that since I had these things taught to me I have become a much stronger board member. Thank you for letting me learn all of the things I have learned.


text: "The defining pen-and-paper RPG becomes the ultimate massively-multiplayer online game as Turbine Entertainment and Atari bring the basement sensation into the light of computer screens all across the world. Dungeons & Dragons Online is centered on robust character advancement, challenging dungeon combat, meaningful guild politics and territorial control over major portions of the game world. Players choose and develop a character based on some of the iconic races associated with D&D, including Humans, Elves and Halflings, as well as classes such as Fighters, Clerics, Rogues, and Wizards - after which they can socialize, find quests, group together and equip themselves for future battles. The game also lets players travel alone or in parties as they explore the seemingly endless dungeon complexes found beneath the world. Through the dungeons, players will engage in physical and magical combat with hideous foes straight from the pages of the Monster Manual rulebook."


text: How well do you know geography? Can you guess or figure out how many countries are in each continent? That would be very difficult for someone who hasn't looked at a world map in awhile. At least this question can be considered a bit easier than asking how many countries are in Europe or Africa, right? Still, you may have yourself counting on your fingers. Do you have enough fingers to count on for this question? That is up to you to decide! Leave us a comment below telling us your favorite country in South America!


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Since 1993, Jeffrey J. Williams has conducted over 50 interviews with contemporary critics, philosophers and writers. The Conversant is pleased to republish a selection of these interviews. This interview with Toril Moi took place September 1, 2006 in Toril Moi's office at Duke University. It was conducted and edited by Jeffrey J. Williams, and transcribed by Heather Steffen.
Jeffrey Williams: Sexual/Textual Politics burst onto the scene in the mid-80s and changed the representation of feminism in the U.S. You became a kind of European informant of French feminism, and to some you were perceived as attacking Anglo-American feminism for its essentialism and waving a banner for French feminism. How do you see the reception of that book when you look back?
Toril Moi: The argument in the book wasn't actually "Anglo-American feminism is bad; French feminism is good"; the argument was that the great thing about the Americans was their strong and explicit political allegiances, and that the actual politics of the French were often incredibly vague. I also thought that the Anglo-American development, which had been exciting to me because it was thinking about women and writing in completely new ways, was almost theoretically unconscious in the late 1970s, just as the theory wave was happening. I thought the French feminists that I read had a much more solid theoretical formation, but that they were lacking in politics. I also found them on the whole ahistorical and idealist. The idea that I was setting up a binary where one was positive and the other was negative was based on fairly superficial reading. I think that there are other problems with the book, but in each chapter I tried to give as fair an account of what the theorists in question were saying as I could, and then I tried to show where the problems were. I was also astounded when I heard that people thought I was a great fan of Irigaray and Cixous, which I have never been.


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Signing up for Badger Maps is an easy process.
- Open your browser on any device (computer, iPhone, iPad or any tablets) and go to https://sidekick.badgermapping.com/. Click on "Sign up for a free trial."
- You'll be directed to the "Sign up" page. Fill out the required fields and click on the green button.
- You'll reach the Badger Maps website and a pop-up should appear. Scroll down and fill out the information if you'd like to extend your trial by three days. Click "Complete" and you're all set.
- To upload you data on Badger Maps, please find more information here. If you don't have your own data, but would still like to see how Badger works, you can download our sample data for your trial of the software. This data can be replaced with your own at any time.
Here's how to sign up for Badger:


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TOWIE star Tom Pearce gets to grips with a pretty brunette outside a
The 22-year-old was spotted grabbing onto his latest squeeze's derriere as
they chatted outside DSTRKT in Soho, central London, last night.
Tom, who was out with pal and co-star James "Diags" Bennewith, was
seen chatting to the promo girl and her pal before cheekily grabbing onto
her bum.
Diags, 20, also cosied up to a brunette in the street.
He leant in for a peck on the cheek with the girl, as Tom jumped on his back
for a piggyback.
Diags had earlier tweeted: "I'm gonna go out tonight probs get a little
drunk probs do a little bit of dancing an generally have a f***ing good time
But despite their popularity with the ladies it appears the boys went home
Tom later tweeted a snap of the lads in a taxi, and captioned the pic: "Home


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The convicted killer who shot and wounded a man at an apartment complex near downtown Friday night had demanded money from the victim before opening fire, Athens-Clarke police said.
Charles Knox III, 29, entered an apartment at Bethel Midtown Village off College Avenue and asked a resident for a cigarette, police said.
When he recognized a man who was sitting on a couch, Knox pushed his way into the apartment, pulled a 9 mm pistol and patted down the victim, saying, "I know you got that money," according to police.
Knox shot the 35-year-old victim in the thigh and pistol-whipped him, police said.
He forced the wounded man into a bathroom, where he made the victim take off all his clothes and said, "I should just kill you," police said.
Officers found the victim in a bathtub and began rendering aid until EMTs arrived, police said, and another officer located Knox soon after on Ruth Street, police said.
Knox was charged with aggravated assault and possession of a firearm by a convicted felon, and is held without bail at the Clarke County Jail.
He is a convicted killer who was paroled from state prison in June after serving six years for shooting an Athens man to death in 2002, according to the state Department of Corrections. He was charged with malice murder for killing Clayton Patman, but the charge was reduced to voluntary manslaughter in a plea agreement with prosecutors, according to court records.
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Buying up the Bakken: Continental to purchase 120,000 acres for $650M
The largest leaseholder in the Bakken is prepared to increase its stake here by $650 million.
Continental Resources Inc. is doubling down on its already substantial investment in the Bakken, according to a press release issued by the company this week.
Continental has entered into an agreement to purchase 120,000 acres of undeveloped Bakken land -- primarily in Divide and Williams counties -- said Continental Vice President of Investor Relations Warren Henry.
"The cornerstone of our growth strategy for the next five to 10 years is our concentration in the Bakken," Henry said. "The returns we see from the Bakken are very positive. We expect it to be a decades-long play."
The news of Continental's additional investment came immediately after a landslide victory for President Barack Obama over former Massachusetts Gov. Mitt Romney on Tuesday, something some Oil Patch workers have feared would slow production in the region.
"The Obama administration has been talking about energy independence for a long time," Henry said. "We believe that the administration wants to, as it has said, have an all-of-the-above energy policy that is environmentally safe when it comes to oil and gas exploration and production. We're fully on board with that."
Continental is the largest leaseholder in the Bakken with more than 984,000 net acres as of September. The announced acquisition -- which is set to close next month -- would bring the total number of acres being developed by Continental to 1.1 million acres.
"It's encouraging to see the continued investment in North Dakota," said Lynn Helms, director of the state's Oil and Gas Division. "As one of the state's largest producers, this purchase shows the good faith Continental has in the long-term productivity of the Bakken."
The news of the purchase came at the same time as an announcement by Continental that it has agreed to sell a number of oil- and natural gas-producing properties in its East Region for $125 million, a sign that the company is shifting its focus toward more oil production in North Dakota.
"We have $2.9 billion in capital allocations for drilling and drilling activities in our budget for 2013," Henry said. "About two-thirds of that is for our activities in the Bakken and that number could go even higher. The reports we're getting are that the civic infrastructure (in North Dakota) is catching up very quickly. With multi-pad drilling and the increase in infrastructure, we think that will make things more constructive for the communities impacted by the play."
Halliburton, another major player in the development of the Bakken, seemed similarly undeterred by the prospect of another four years of the Obama administration.
"We look forward to continuing our work with the president's administration and helping him fulfill his campaign promise to increase domestic oil and natural gas production," said Halliburton spokesperson Susie McMichael. "This will help to create American jobs, strengthen our economy and foster greater energy security for the nation."
Henry said he expects North Dakota's Oil Patch to remain productive and continue to produce "plenty of jobs" for the next "20 to 25 years."


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The Encore iPad holder is the perfect fulfil to Apple's tablet. Just Mobile presents it with high quality, chic and practical stand, also suitable for other tablet-PCs.
Developed by the Danish designers Tools, the Encore is a practical stand for all of those that also want to leave the iPad free for once. The arm of the Encore iPad holder enables the suitable working angle all the time, whether folded upwards for videos or backwards for an optimal typing on the display.
The rubber at the arm and feet of the iPad holder Encore supports your iPad in vertical as well as horizontal positions. The practical holder for tablets consists of a ring-form foot out of solid aluminium and a step-less movable arm. Since the Encore can be folded space saving, it will also delight you on the way.
More details:
- Exceptional design by the Danish designer Tools
- High quality aluminium construction
- Also suitable for travelling, since it can be folded
- Compatible with most of the tablet PCs
- Optimal support for comfortable typing


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A WOMAN and a man have been arrested after two separate attempted robberies at Blair Athol today.
A woman allegedly entered a Prospect Rd deli armed with a knife and demanded money about 2.30pm.
Staff refused and the woman left empty-handed.
About 15 minutes later, police allege she entered a bakery on Prospect Road, demanding money.
Bakery staff refused, and the woman fled empty-handed to a waiting gold-coloured Holden sedan.
The pair were arrested shortly after.
No one was physically injured during either attempted robbery.
A Blair Athol woman, 34, and a Prospect man, 42, have been charged with two counts of aggravated robbery.
The woman will appear in the Holden Hill Magistrates Court on Monday, and the man will appear at a later date.
Originally published as Pair held over Blair Athol robberies


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Apple just four day ago launched its latest deskop operating system the Mac OS X Lion. Those who have been thinking about upgrading to Lion soon, be prepared for the Communicator and Outlook issues, and a few other small issues, revealed Office for Mac team.
The Office for Mac team says that "Many of our Office for Mac engineers have been running Lion for months, and are generally having no problems running Office 2011 on it. There're two large- and several smaller Office for Mac 2011 issues (on Lion) that we want to highlight.
"First, Communicator for Mac crashes when you send an instant message or start an audio/visual call. We'll fix this issue in an upcoming update to Communicator for Mac. (Note that many users may never use Communicator, because it's a corporate product, and not included with the mainline Office products.)," informs Office for mac team.
"Second, on Lion, Outlook can't import mail from Apple Mail. We're reviewing this and don't yet have a plan to fix it. However, if your mail is already in Outlook, then this issue won't affect you."
Finally, the smaller Office issues are fairly minor or cosmetic, things like windows that might not align as they did in Snow Leopard, and we will continue to work together with Apple to fix these in our next regular updates," the team added.
Also note that the Office 2008 will also benefit from a couple of updates. While our first priority is Office 2011, we will fully test and take care of any significant issues on 2008 as well," the team stated.
The team is currently working of updates, and will soon have the updates available through Automatic Updates channel in the near future.
For additonal information at any time, please check the Office for Mac Knowledge Base KB2586538 for complete details.
[Source: Office for Mac]


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How to build a high school football powerhouse
What makes one high school football team so much better than another? Does it all come down to money, with parents writing checks?
As teams head into state playoff games, I talked with the coach of the undefeated Skyline High School Spartans about what it takes to build a powerhouse program.
"The kids grow up wearing Spartan heads. They have replica jerseys that look just like ours," says Coach Mat Taylor. "Friday night, drive around on the Plateau here and you'll see, easily, a couple hundred kids with a Spartan jersey on."
Taylor has been Skyline football's head coach for five years. He grew up in the area, played high school football on the Eastside, and now Spartan football is his life.
For many parents, it's their lives too.
"We've created a culture here where Friday nights aren't just about the kids, it's about the parents coming together too," says Taylor. "We do so many activities, like team dinner, where it's not the parents writing a check and going and buying a bunch of Buca di Beppo or Taco Bell. Families are getting together and preparing the meal."
Parents watch DVDs of the games and "re-live" the experience over and over, he says.
"It really helps when the kids see their parents being involved and see all effort and time they put into them," says Taylor.
Skyline's program is a young one, only around since 1997 with six state championships already.
Creating a successful football program is more about the culture – which starts at a very young age for players and families – than it is about the current team.
710 ESPN's Brock Huard, a former Husky and former Seahawk, says the sport today is much different than when he was playing high school football in Puyallup.
"They've got kids that start at 6, 7, 8 years old in their feeder programs and it is a machine," Huard says. "The investment they make at a young age, all the way through, running the same system, doing the same drills, working towards that same goal of winning state championship after state championship is what they're about."
"This is a higher achieving area," adds Coach Taylor. "The families take education, and life in general, more seriously and they have high expectations. Whatever it is you do, you put your best foot forward."
Skyline Quarterback Max Browne is putting his best arm forward, on the verge of setting a new state passing record.
Spartan number 4 is considered the number 1 high school quarterback in the country.
Taylor has known Browne since he was a toddler.
"It's been awesome to see him mature and develop," says the coach. "He may end up breaking the passing record in the state this year if all goes well. But the records you won't see is the impact he has left in this school – his leadership and how well he carries himself academically in the school."
Browne is already committed to USC. For his family, all the time and money they've put into football has paid off.
For others, a state high school championship will be the peak, and end, of their playing careers. Are parents spending too much time and money on high school sports?
Huard has a 9-year-old daughter who's into basketball.
"My wife and I have these conversations of how much do you put on her and how much time do you want to spend on this? She could do clinics every day, right?" says Huard.
"I don't think football is alone in that by any stretch. I think that is a much broader question for parents regarding their commitment, their finances and sometimes their unfortunate, delusional ways of thinking their kid is going to be the next Tiger Woods and will get a full ride scholarship and all this stuff at the end of the rainbow."
Friday night, 32 high school football teams begin chasing the rainbow that ends at the Tacoma Dome with the state championship games the first weekend in December.
Bellevue High School, which Huard calls the "best team in the state by far," plays its first Class 3A game against Lincoln.
4A Skyline faces Puyallup at home Saturday night.
By LINDA THOMAS Better luck next year to my school, the Ballard Beavers


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Wessex FM News
Veteran Attacked On Remembrance Sunday
7:18am 15th November 2013
Weymouth Police are looking for a man after a pensioner claims he was attacked after he'd taken part in a Remembrance Ceremony at the weekend.
The alleged incident happened at the Jubilee Retail Car Park in the Melcombe Regis area of town, just before 1pm on Sunday (10th November).
The victim, a 66-year-old man, was sitting in his car when he was approached by a man who then punched him the face.
Police say the elderly man has been left shaken but not seriously hurt. They believe the alleged offender may have entered the Aldi supermarket moments after the incident.
Sergeant Neil Wood, of Weymouth police, said: "I am appealing for anyone who may have witnessed this incident to contact Dorset Police urgently.
"The victim had just returned to his vehicle after taking part in a Remembrance Day parade, and has been left extremely shaken.
"The incident happened in the daylight hours in a public car park, so I am confident someone may have seen it take place.
A 27-year-old man has been arrested and released on Police bail.
Any witnesses should contact Dorset Police on 101.
Sign up for the latest local news direct to your inbox


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Each of our programs is dedicated to providing cats with happier, healthier lives and to provide knowledge to the public about human responsibility to protect and enhance the lives of these animals.
Adoption and Rescue Program
We are a small not-for-profit organization with limited space, because of this we are only able to accept cats in medical crisis, pregnant cats, nursing mothers and kittens less than 6 months of age who are in need. If you have a stray or feral cat that is relatively healthy, but producing homeless kittens, they are eligible for our Trap, Neuter and Release Program.
If you or someone you know is interested in adopting one of our cats or kittens, please fill out the Adoption Application and Personality Match forms and email or drop them off to our location.
If you would like to know more about any of our cats or kittens that are available, please feel free to call us and ask for Julianne.
Trap, Neuter and Release Program (TNR)
Feral cats may have been born wild, or once been domesticated and turned wild to survive. Left unaltered, free-roaming cats can continue to reproduce at an alarming rate, creating more homeless kittens. Some communities find these cats and kittens a nuisance and want to be rid of them, while others show their concern by feeding them. Unfortunately, it is not enough to just feed them. These cats must be spayed and neutered so that they can no longer reproduce and leave more sick and hungry kittens to fend for themselves.
Our Trap, Neuter and Release program tackles overpopulation at its core. Spaying, neutering and returning these cats to their territory, allows them to enjoy their lives while ensuring no more kittens are born into this hard existence. By limiting free-roaming cat populations, fewer unwanted and homeless cats are taken to shelters and euthanized.
According to scientific studies, free-roaming cats gain weight and live healthier lives after being altered. TNR programs are proven to stabilize and significantly reduce the size of feral and stray cat colonies.
How does TNR work?
If you know of free-roaming cats and kittens and are looking to help, please contact us and we can schedule and appointment to bring them in. If you require a trap, we can recommend where you can purchase or rent one for humanely catching them on your own.
There is a fee of $90.00 for each cat or kitten that is brought in to be spayed or neutered. This fee includes a health examination by a veterinarian, spay or neuter surgery, vaccines, blood tests for Feline Leukemia Virus and Feline Immunodeficiency Virus (FIV) de-worming and flea and parasite prevention. Following their recovery, the cats are discharged to the individual who brought them in and are returned to their colony.
Haven's Hope reserves the right to keep any tame strays and kittens for adoption. To avoid any cats and kittens being brought in for spaying and neutering that are pets, we have a surrender form that will be required to be signed by the individual bringing them in.


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Gardaí have seized cannabis with an estimated value of €376,000 following searches at three properties in Finglas.
Members of the Finglas Drugs Unit discovered 470 cannabis plants while searching the three properties at Meakstown Close, Finglas.
Four men, aged in their 20s, 30s and 40s, have been arrested and are being detained at Finglas and Blanchardstown Garda stations.


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The Latino Business Student Association hosted their first annual United Latino Student Interview Summit on April 15 in the O'Brien Center at Mihaylo. During the event, students had the chance to practice their interview skills with various companies and possibly land an internship.
Sponsored by Verizon Wireless, the summit hosted 10 LBSA chapters from around Southern California, and students participated in workshops hosted by companies like Enterprise, Honda, Stanley Black & Decker and the United Parcel Service.
The first half of the event consisted of two workshops: Verizon Wireless hosted a workshop titled "Before and After the Interview: How to Prepare and Follow Up." Enterprise Holdings hosted a "How to Work a Career Fair" workshop. The second half of the event featured interviews between the companies and students.
Prior to the event, participants had the opportunity to choose which company they would like to be interviewed by. The interviews lasted 15 minutes with five extra minutes for receiving feedback.
"Many of [the students] came out very happy with their experience overall and mentioned that the greatest benefit from the mock interviews was receiving feedback and advice from the recruiters," says Tanya Oliva '15, LBSA president.
Throughout the event, LBSA members networked with fellow attendees and recruiters. A few students were even offered internships from UPS and Honda.
UPS broke away from the traditional in-person interviews by setting up a webcam with a Chicago-based representative to conduct their interviews.
"CSUF LBSA worked diligently to put forth a great event and to display the young emerging professionals we have at Cal State Fullerton," says Edward Sosa '15, LBSA vice president.
Oliva says it has been a gratifying experience watching the outcome of their tremendous efforts to improve this organization. She has seen first-hand the growth of their members as individuals and future leaders in business.
The Latino Business Student Association was established at CSUF to create business leaders through professional exposure, community involvement and social interaction. This organization is based on networking, community involvement and diversity.
"We have great connections with individuals from a variety of industries," says Sosa. "Some of our members have also received internship offers from our general speakermeetings."
This organization hosts weekly meetings where they often invite business professionals to come present and network with the students. They are also actively involved in the community. They recently raised more than $1,200 for Relay for Life, and they are partnered with Habitat for Humanity, Kids 2 College and the Orange County Food Bank.
"Many of our members leave with internships, jobs, confidence, professional skills, connections and ever-lasting friendships," says Oliva.


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Excellent, once again! Explained the problem and solution well. Polite and professional
Excellent service, great workmanship, fast, Ross was efficient, knew his job. Very nice, pleasant, knowledgeable, great worker. 10/10
A reliable, knowledgeable and extremely polite engineer fitted the switch and then double checked that everything was functioning correctly before he left, even though it was nearly five o'clock on a Saturday afternoon. Many thanks to Martin and his team for getting my machine sorted so quickly


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Mahaut Gifts For Bosses
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Can't find the gift you were looking for? - Try our Business Gift or Personal Gift Recommendation Tool or contact us.
You can send Gifts For Bosses to Dominica in the following locations.
What our Customers Say about our Service
"I had some problems with the delivery but not because of the company or your service: the phone of my grandmother was not working but I sincerely appreciate doing your very best to deliver on Saturday, 8pm and very prompt communication during the process. Thank you very much for such a great service that allows to reach the loved ones from overseas. I will certainly use your service again! "
Julia M - Auckland, New Zealand - Sep 29, 2015
"I ordered 3 Halloween hampers & was amazed at how wonderful they were. I am in London/UK & ordered them for delivery into the USA... the whole process & delivery went without a problem. Thank you so much!"
Maria Yianni - London, UK - Dec 18, 2012
"I was very hesitant to use an unknown online process after several bad incidents in the past but I was so very happy with the results. The service was efficient and the contact from staff was fast and courteous. I was reassured when the ladies at GiftbasketsOverseas immediately noted the special delivery address and the fact that it was for my 90 year old Aunties Birthday. Auntie was surprised and teary at receiving such a wonderful basket and flowers. She was overwhelmed and the envy of her peers and fellow residents. Thank you so much for helping me celebrate a special lady. I can't recommend you highly enough. "
Nely Freeman - Australia - June 13, 2015
"Despite knowing about the advance ordering disclaimer, I ordered the gift on the 24th (from California) and was hoping to get it delivered on the 25th (to Belgrade). As soon as I placed my order one of their reps called me asking me to confirm the delivery address... I said fine but it'll have to wait until tomorrow because my int'l friend is asleep at the moment. I woke up the next day and my friend was in tears because she got the gift delivered. Figuratively speaking, I was floored. I couldn't believe that within a few hours they were able to figure out the delivery address and have it shipped to her. All of their reps are amazing and will go above-and-beyond in making sure you're a satisfied customer. In 30 years I have never experienced better customer service -- A+++ all the way."
Ned - CA, USA - Apr 25, 2014
Read more testimonials or leave your feedback here.


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Sakamoto, Yosuke and Yabushita, Akihiro and Kawasaki, Masahiro et al. (2009) Direct Emission of I_2 Molecule and IO Radical from the Heterogeneous Reactions of Gaseous Ozone with Aqueous Potassium Iodide Solution. Journal of Physical Chemistry A, 113 (27). pp. 7707-7713. ISSN 1089-5639. http://resolver.caltech.edu/CaltechAUTHORS:20090901-131930555