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2 Problems That Could Derail This Huge Growth
Chad is a member of The Motley Fool Blog Network -- entries represent the personal opinion of the blogger and are not formally edited.
Just like the team they represent, M&T Bank (NYSE: MTB) is off to a great start in 2013. As the official bank of the Baltimore Ravens, both the team and the bank have a lot to squawk about. The Ravens of course won the Super Bowl, and M&T should win some sort of trophy for their recent results. However, even though the bank's earnings were generally impressive, there are two issues that investors need to keep an eye on.
This Is A Tough Place To Play
To find M&T's competition, you only have to look in local neighborhoods around Maryland. As the bank of the Ravens, this helps potential customers identify M&T among their competitors, but in this area competition is tough. Super-regional banks like BB&T (NYSE: BBT), PNC Bancorp (NYSE: PNC), and SunTrust (NYSE: STI) all have locations in M&T's backyard. Aside from SunTrust, which has been going through some troubles, BB&T and PNC have both been strong banks looking to take deposit and loan market share.
Investors looking for strength in the banking system should look to the Eastern U.S. as proof that multiple banks can show good growth at the same time. While their larger rivals fight to take business from each other, and make complicated deals underwriting debt, making derivative trades, and generally confusing investors, these super-regional banks stick to what they do best, they gather deposits and make loans.
In the current quarter, M&T grew deposits by 10%. While these results compare favorably to SunTrust's growth of 2%, or BB&T's growth of 8.1%, they fell just short of PNC's growth of 11%. When it comes to lending, M&T increased their loan portfolio by 11% year-over-year. By comparison, BB&T saw growth of 9.3%, SunTrust reported average loans up 3%, and PNC grew loans by an impressive 17%. That being said, I should point out that PNC continues to mention their RBC Bank acquisition as a key driver of their results. Without the RBC acquisition, it's possible M&T would have lead this group.
The Good And The Bad
While it looks like M&T did a good job of growing deposits and loans, their credit quality wasn't quite as good as some of their competition. M&T reported non-performing loans at 1.52% of total loans. While this was better than PNC at 1.75%, it trailed results from SunTrust at 1.27% and BB&T at 1.2%. Unfortunately for investors, this leads me to my first big concern. M&T has the second highest non-performing loan ratio of the four banks we've looked at, yet they have the lowest provision for loan losses.
When a bank realizes it may have a problem loan, it sets aside money to cover this debt. Banks usually set aside more than $1 for each potential $1 of loan loss, because of the costs involved to settle these accounts. For instance, BB&T's coverage ratio is 146%, PNC's coverage ratio is 124%, and SunTrust's ratio is 180%. This means each bank has at least $1.24 for every $1 of problem loans. M&T's current ratio is 91.68%. This less than 100% coverage ratio means, if the bank doesn't see an improvement in their non-performing assets, they may have to take a charge in future quarters to deal with these potential losses.
The second big issue facing M&T is, the direction of their outstanding shares. While several banks have announced share repurchase programs to offset dilution from stock options, M&T has allowed its outstanding share count to climb every quarter for the last five. Since the company's outstanding shares are 2% higher on a year-over-year basis, this means M&T must produce 2% more in earnings growth just to produce flat results.
Is This Really A Big Deal Or What?
I know some investors would say, these two "issues" aren't really that big of a deal, and they will stick with M&T. Of the four banks we've looked at, it's pretty easy to stick with M&T over PNC Bancorp. PNC has a lower expected growth rate at 6.05% versus 8.1% at M&T. M&T also has a higher yield at 2.68% versus 2.53%. Since PNC has a higher percentage of non-performing loans, that somewhat completes the argument for sticking with M&T.
However, it's a different ballgame when you compare M&T to BB&T and SunTrust. BB&T has a higher yield at about 3%, better expected growth at 10.8%, and a lower non-performing percentage. The fact that BB&T sells for a lower forward P/E ratio is just icing on the cake. SunTrust is expected to grow earnings at nearly twice the rate of M&T over the next five years, yet the shares sell for a lower forward P/E ratio. While SunTrust's dividend can't match M&T currently, this has a lot to do with SunTrust's credit issues. With the company's recent sale of its 60 million shares of Coca-Cola, this move helped to shore up the balance sheet, and should lead to better distributions in the future.
While it's true M&T just reported an impressive quarter of growth, if the bank continues to allow its share count to grow, earnings comparisons are going to get more difficult. If the company doesn't set aside enough money for potential problem loans, earnings could take a hit because of this as well. The bottom line is M&T has huge growth, but investors need to question if this growth will last.
MHenage has no position in any stocks mentioned. The Motley Fool owns shares of PNC Financial Services. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy. Is this post wrong? Click here. Think you can do better? Join us and write your own!


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Would You Camp Out for 'Eclipse'?
Hundreds of "Twilight" fans are camping out at Los Angeles' Nokia Plaza for Thursday's world premiere of "Eclipse."
Tents started popping up at 6 AM Monday. On Thursday, Kristen Stewart, Robert Pattinson and Taylor Lautner will walk the red carpet for the premiere of the third installment in the "Twilight" franchise.
"Eclipse" opens nationwide on June 30.
Would YOU camp out with your tweens or teens for four days in hopes of catching a glimpse of the "Eclipse" stars -- or is this just taking the whole "Twilight" obsession too far?
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Originally posted 04/25/2014 02:15PM
Why sitting down to eat as a group keeps your crew healthier and happier
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Image credit.
You never know, maybe Michelle - experienced collaborator that she is - snatched the umbrella from Barry just to make sure he wouldn't botch this one as well. Selfie Barry, preoccupied with admiring his own glorious self, is probably oblivious to either variant - his being impolite or his being prevented from doing harm.
So much for a bit of yellow press here at RSE.
Here's Schopenhauers take:
A man shows his character in just the way he deals with trifles – for then he is off his guard. This will often afford a good opportunity of observing the boundless egoism of a man's nature, and his total lack of consideration of others: and if these defects show themselves in small things, or merely in his general demeanour, you will find that they also underlie his actions in matters of importance, although he may disguise the fact. This is the opportunity which should not be missed. If in the little affairs of every day – the trifles of life, those matters to which de minimis non applies – a man is inconsiderate and seeks only what is advantageous or convenient to himself, to the prejudice of other's rights; if he appropriates to himself that which belongs to all alike, you may be sure there is no justice in his heart, and that he would be a scoundrel on a wholesale scale, only that the law and compulsion bind his hands. Do not trust him beyond the door. He is not afraid to break the laws of his own private circle, will break those of the State when he can do so with impunity.
The source.
See also Unpacking a Presidential Sentence and links contained therin.


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On Tuesday 31st. July, 1888, at 3 p.m. Cardinal Lavigerie, Archbishop of Algiers and Carthage, addressed the British and Foreign Anti-Slavery Society. The venue was the Prince's Hall situated to the rear of six shops fronting on Piccadilly, London. The site was badly damaged by bombs during the 2nd World War and the Prince's Hall was demolished. It is now the premises of Pan American Airways.
Although only four days notice had been given for the meeting, there was a large and enthusiastic turnout. Earl Granville presided and amongst those on the platform were Cardinal Manning, Bishop Smythies (of the Universities' Mission to Central Africa), the Rev. Horace Waller (Livingstone's companion), and Sir John Kirk (late Consul-General of Zanzibar). Numerous guests representing a broad spectrum of public life and clergymen of all denominations arrived. Even the King of Belgium was reputed to have been in the body of the audience.
In the opening proceedings, Lord Granville explained that he would have to hand over as Chairman after Cardinal Lavigerie's speech to Mr. Edmund Sturge (then chairman of the Anti-Slavery Society) as he had to appear for a debate in the House of Lords.
The Cardinal addressed the Assembly in French which most appeared to have understood. He made quite an impression and paced backwards and forwards as he spoke. A reporter for the 'Birmingham Daily Post' described him as a "strange figure, attired in long Oriental caftan, black and red, representing to the imagination all the fervour and the fiery zeal which the hot breath of the desert seems to infuse into the champions of Christendom who have dared in all ages to make it their abode."
Of course, the Cardinal was speaking to the converted and had a captive audience. He described his personal experiences of slavery over twenty nine years in Africa and those of his missionaries, the White Fathers and White Sisters. He explained that the situation was not improving and that even whole provinces had consequently been depopulated. Apparently, neither Livingstone nor Stanley when addressing the Society had been as graphic in their descriptions of the horrors of slavery as Cardinal Lavigerie that day.
The lasting impression given by his speech was that he was a Crusader. He clearly saw the need to use force against slave-traders by training and arming Africans to repel the attacks in an organised manner. Again in the 'Birmingham Daily Post' he was described as " a rapid and brilliant orator, accustomed to authority over men, clear and precise in his descriptions, and admirably adapted to undertake a propaganda in favour of the principle he advocates."
As soon as the Cardinal had finished he sat down and received enthusiastic and prolonged applause. Then when this had died down he left the hall. Cardinal Manning stood up and apologised on behalf of Cardinal Lavigerie, explaining that he had been forced to retire since he was suffering from neuralgia.
What was most remarkable about the whole affair was that, in an age when Ecumenism was not particularly high on the agenda, a French Cardinal stood on the platform of an English Anti-Slavery meeting whose members were composed mainly of Non-Conformists and the Society of Friends! One of the immediate results of the meeting was that a letter was sent to the Secretary of State for Foreign Affairs, The Marquis of Salisbury, urging the British and other European Governments to unite in proclaiming the Slave Trade a crime against humanity and a violation of the Laws of Nations.
Later during the summer of 1888 Mr. Charles Allen, the Secretary of the British and Foreign Anti-Slavery Society at the time, had an interview with Cardinal Lavigerie. The discussion commenced with a description of the Cardinal's anti-slavery campaign in Belgium and France. He then went on to explain how he had been misrepresented in both French and Belgian newspapers, in which he had been accused of organising a campaign against Islam. The Cardinal saw these attacks as emanating from groups interested in supplying forced labour for the sugar plantations of the French Colonies. He strongly denied attacking Islam in any way, insisting he had many Muslim friends in Africa. He pointed out that the true object of his attacks were the Arab slave raiders who posed as Muslims, and engaged in a system of wholesale murder, while owing no allegiance to any law, human or divine. He went on to condemn the right of citizens in Muslim countries to retain human beings as property since by doing so the demand for slaves continues to exist.
The 'Daily Telegraph' of 10th. August, 1888, reporting on the departure of Cardinal Lavigerie from Britain, expressed the view that he "is thoroughly in earnest, and his experience and energy are invaluable to the cause which he also eloquently advocates.".
used: A cartoon from 'Punch' of 11th. August, 1888,
reproduced in the magazine with their kind permission.
The Cardinal in the year he came to Britain, from the White Fathers' archives.
This article first appeared in "White Fathers - White Sisters"
(UK), issue 302, of February-March 1992.
It may be published freely with due acknowledgements to the "White Fathers - White Sisters" magazine.
If you would like to receive a copy of
magazine please email,
drop a line, to the Editor at the address below giving us your postal address or you can also complete this form on-line.
The White Fathers, 129 Lichfield Road, Sutton Coldfield, West Midlands, England, B74 2SA.
The Missionaries of Africa (also known as the 'White Fathers') are Registered Charity No. 233302 in England and Wales and a Charity Registered in Scotland No.SC037981
You can reach us by e-mail at:
email@example.com (Magazine Editor, and Media and Information Officer)
and email@example.com (General Office and Magazine administration)
Return to the White Fathers' Page
Bought Out of Slavery - Adrien Atiman Part One
An Ex-Slave - Adrien Atiman Part Two


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I am calling all girls out there, this is a message for you.
I know sometimes it is hard to be confident with yourself. We all have our insecurities, we all get paranoid, and we all throw ourselves in a situation where we always make things more complicated for us to even understand. But we have to know and understand that our enemy is within, that it is only our insecurities that eat us whole and drown us into the sea of paranoia. It may be hard to be confident with everything we have, but we always have to remember that we are special and we are beautiful in our unique way. We all have talents, we have friends, we have people around us who love us, and most especially we have God. Let us all overcome our fear, and keep in mind that we are all beautiful. Sometimes, it is only you who complicates things.
(Source: s-olo, via bebravelive9lives)
Live It: BE THANKFUL!
If you think you are unhappy…
If you think your salary is low…
If you think you don't have many friends…
When you feel like giving up …
If you think you suffer in life,
do you suffer as much as he does?
If you complain…
(Source: phoolish.com, via libertitty)
(Source: reasonsilovelosingsleep, via shootforastar)
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Black Eyed Peas - The Time (The Dirty Bit)
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Corrugated iron and wire sculptures were on display when Hanging Together opened at HedSpace Gallery yesterday.
The exhibition puts the work of Jeff Thomson, Louise Purvis and Ans Westra side-by-side - while there is no stated theme, the work fits together effortlessly.
Ans Westra, well-known for her black and white documentary photography is exhibiting a number of large-format, full-colour photographs of landscapes and nature while sculptor Louise Purvis has set up several metal pieces, which sit alongside Jeff Thomson's corrugated iron sculptures.
Mr Thomson said the artists knew each other, but it was really Jenny Neligan and Penney Moir at Bowen Galleries who brought them together.
Mr Thomson is well-known for his work with iron, and the exhibition includes two large seagull feathers and several woven mats of iron.
It also features several wire sculptures which he made by wrapping objects in wire and chucking them on a fire to let the rest of the material burn away.
Mr Thomson's sculptures can already be found around Wairarapa - National Bank has a piece on its ceiling, and there are several in private collections.
In the 1980s Mr Thomson took to walking long distances, including a stroll from Woodville to Masterton in which he proposed residents commission pieces of art which could be seen from the roadside. Several people took him up on the offer.
He is often commissioned to do his signature corrugated iron work and has been asked to create everything from a petrol pump to a baby grand piano.
Mr Thomson said he likes the freedom of exhibitions, which allow him to experiment a little more.
"I enjoy doing the shows where I can play around and do what I want to, explore the material in different ways and add to the vocabulary of the materials."
The exhibition runs until November 24.


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Inspector+ Radiation Detector
Now with an adjustable alert, the Inspector+ is a small, handheld, microprocessor-based instrument which offers excellent sensitivity to low levels of alpha, beta, gamma, and x-rays. The digital readout is displayed with a red count light and a beeper sounds with each count detected. Other features include an adjustable timer, external calibration controls and selectable alert. The optional Wipe Test Plate adds additional functionality to the Inspector+ by allowing the user to also conduct wipe test procedures.
Alert Set Range: mR/hr .001 - 50 and CPM 1 - 160,000. 70db @ 1m.
Count Light: Red LED flashes with each radiation event.
Audio Indicator: Internally mounted beeper (can be switched off for silent operation)
Outputs: Dual miniature jack drives CMOS or TTL devices: count to computer or datalogger. Submini jack input allows for electronic calibration
Anti-Saturation: Meter will hold at full scale in fields as high as 100 times the maximum reading.
Power Requirements: One 9-volt alkaline battery. Battery life is approx. 2160 hours at normal background.
Temperature Range: -10°C to 50°C (14°F to 122°F)
Weight: Inspector: 275 grams (9.7 oz.) without battery.
Size: 150 x 80 x 30 mm (5.9 x 3.3 x 1.2 in.).
Includes: Carrying Case, CE Certification
Warranty: 1 year


text:
Locker Twin Bed
Item #: 765173 |Model #: 35-6701-997 |
$99 White Glove Delivery
(Click to learn about White Glove Delivery.)
(Click to learn about White Glove Delivery.)
You don't have to push the mess under your bed when you have a storage-friendly Locker Twin Bed.
This durable silver metal bed frame features three drawer spaces and a stylishly meshed metal headboard. The frame comes with eight colors of drawer panels, so you can mix, match and modify.
The Locker Furniture Collection creates a colorful and fun room style for kids and teens to enjoy.
General Information:
Assembled Country
Assembled Size
Component Country
Ask & Answer
Shipping Information
Warranty InformationEach model is guaranteed to be free of defects in material and workmanship for a period 90 days from the date of purchase as indicated by the purchaser's receipt. If this product fails to meet the provisions of the guarantee, the purchaser may return it to the original vendor at their own expense. Repaired or replaced products will be returned to the purchaser at purchaser's expense. The Warranty does not cover abuse, misuse, improper installation, hard water, marine/outdoor environment, improper maintenance, accidental damage, or every day wear and tear.
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text: Rare artifacts will be unveiled this month in a new exhibit documenting the culture and contributions of California's first people at the California Museum in Sacramento. A huge stuffed condor from the Smithsonian, Modoc chief Captain Jack's buckskin jacket and a cape and arrowhead that belonged to Ishi, reputedly the last Native American to live a primitive life in California, will be showcased in "California Indians: Making A Difference," which opens March 31. "We have some objects that have never been on exhibit before," said curator P. Christiaan Klieger, an anthropologist affiliated with the California Academy of Sciences in San Francisco. "It's not your typical sort of basket exhibit at all." However, old and new baskets will be among the items on exhibit because California Indian basketweavers are recognized as some of the best weavers in the world. The exhibit includes what anthropologists have described as one of the finest baskets ever made – a 101-year-old basket made by a Washoe weaver named Dat So La Lee (also spelled Datso Lalee), who died in 1929, he said. The exhibit will use more than 400 artifacts, photos, art, documents and multimedia presentations to tell stories of the peoples' early life, survival, adaptation and resilience. The displays include contemporary paintings by artists such as Frank La Pena, a local Wintu, and botanical specimens of foods still eaten […]Continue reading


text: This is an agreement between an advertiser and a venue owner for the placement of advertisements at the venue. This agreement specifies the dimensions of the advertisement, the location of the advertisement, installation fees, display fees, and the duration of the agreement. This agreement contains numerous standard provisions that are commonly included in these types of agreements, and may be customized to fit the specific needs of the contracting parties. This agreement can be used by small businesses or other entities that want to place advertisements at a particular venue. SHOW GROUND ADVERTISING AGREEMENT THIS AGREEMENT is made and entered into this ____________ day of ______________, 201_____, by and between ____________________(hereinafter, "Advertiser"), and _____________________ (hereinafter, "Owner") The Parties hereto agree as follows: 1. ADVERTISEMENT The Advertiser hereby desires to purchase from the Owner the right to display an advertisement of the following size: ______________________________[PROVIDE SPECIFIC DIMENSIONS] and in the following location: _________________________________ (hereinafter, the "Location") and the Owner agrees to let out the same subject to the terms and conditions contained herein. The advertisement will also have the following qualities and/or characteristics: ___________________________________________________ {Instruction: List any required qualities of the advertisement. E.g., material used. 2. TERM This Agreement shall commence on________________, 201___ and shall expire on ________________, 201 __. 3. SUBMISSION The advertiser shall submit such advertisement copy to the Owner no later than _________ days prior to such display for the purpose of obtaining approval from the Owner. Said copy shall contain no more than _____ number of colors. Facility shall render the same using workmen of its choice on before the date provided for the commencement of the display. 4. RIGHT TO REFUSE Owner reserves the right to refuse the advertisement in its sole discretion. In this event, if Advertiser chooses not to resubmit a new advertisement, Owner will refund all deposits and pre- payments within _____ days. 5. INSTALLATION FEES © Copyright 2011 Docstoc Inc. 2 Advertiser shall pay $ ________________ as charges for the installation of the Advertisement signs. 6. DISPLAY FEES As consideration, Advertiser shall pay a total fee of $ _______________ for the display plus any applicable sales or services taxes. This Fee is due and payable in advance. Any required Lighting or electricity shall be provided only upon payment of an additional fee for the same. 7. OTHER EVENTS In the event that proceedings or events other than those provided for, above, occur in the Location, the Owner may at its sole expense, remove Advertiser's advertisement sign and shall restore the display of advertisement of the Advertiser prior to the next event contracted for by the Advertiser. Advertiser herewith permits Owner, at its option, to display advertiser's message during any events not provided for herein. No extra fee shall be due for such displays. 8. CANCELLATION The Owner shall have the right to cancel this agreement by providing five (5) days written notice for any breach of this agreement by Advertiser. This agreement shall immediately terminate and both parties shall be relieved from any and all further obligations hereunder as set forth in other provisions of this agreement or in the event a court of competent jurisdiction declares this agreement invalid. 9. WARRANTY Advertiser warrants and represents to Owner that the Advertiser has the right to publish and display the Advertisement and that the publication of the Advertisement will not defame anyone or violate the trademark, copyright, right of publicity, or right of privacy, or any other proprietary right of the third party and that the Advertisement is for a legal and lawful product or service. 10. CONTINGENCIES It is expressly agreed that the Owner shall not be held liable for loss or damage on account of delays or loss of service due to acts of God, strikes, fires, governmental or municipal laws, rules, regulations or restrictions or acts of Providence, or for inability to secure specified material, or to maintain said displays or any part thereof by reason of any legislation heretofore or hereafter enacted by the Federal Government or any State or Municipal Government, or any rules or regulations made by any department of the Federal, State or Municipal Government, or for other © Copyright 2011 Docstoc Inc. 3 like causes. In the event of any delay in service by reason of the above, the advertiser shall be notified immediately and shall be enti


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Expat Women: Business Ideas: Interviews with Entrepreneurs
The Antiques Diva™
Toma Haines
Expat Women's Interview with Toma
Expat Women:
Toma, your business brand is very catchy. Please tell us more about your business.
Sure. The Antiques Diva™ is a business that I set up in Holland, Belgium and France, offering exclusive, private, guided, antique shopping tours. It was originally for expats, but quickly expanded to anyone looking for a diva–licious antique shopping experience. We also offer a decorating service to go with the tours, visiting clients' homes, offering interior decorating advice and staging private, personalized tours to help purchase those elusive perfect pieces.
Expat Women:
Can you please share with us your story of how you became an expat?
The last twelve years have been a whirlwind, proving each year to be more exciting and more romantic than the year before. The journey started as college–sweethearts in a small town in Oklahoma. As a child, I fantasized about living in Venice and while other kids drew pictures of a house with a back yard and swing set, I drew pictures of gondolas and men in striped shirts.
In university as an English Literature major, I decided to study abroad spending a semester in London. My husband, who was then my boyfriend, was a pragmatic man and proposed to me a few weeks before I departed for the UK, ensuring that he "sealed the deal" before I crossed the pond. Before long, my dream of living overseas became his dream as well and from the very beginning of our marriage, we followed a plan that would give us an international lifestyle. We moved around the United States, building our skill–sets (my husband in finance, and me in advertising). Then thanks to my husband's career, we got our big break with a chance to live in Paris. We then lived in Paris for 4½ years, before moving to The Netherlands in May 2005 – where we have lived ever since.
Expat Women:
How did you become The Antiques Diva™?
When my husband was transferred to Holland in 2005, I joined the International Women's Club and worked my way from Vice Chairman to Chairman. In the meantime, I shopped: I researched the number of antique shops in Holland and Belgium and systematically began visiting them and making relationships with the best dealers and most interesting stores. I also worked on writing a series of antique shopping books which are currently under publisher consideration and hopefully will find their way to a bookshelf near you in the not–so–distant future. In August 2007, I started The Antiques Diva™ blog as a supplement to the series of books in order to generate reader and publisher interest. Within a few months of starting the blog, I had subscribers on every continent (except Antarctica) and in a couple more months surpassed the 20,000 visitor mark. Readers living in or visiting the area began asking for private and group shopping tours and new expats looking to decorate their homes quickly emailed seeking personalized tours to show them where to shop for decorative antiques.
Expat Women:
What would be your Top 5 Tips for starting a career in your suitcase?
Look towards your passions and pursue them with an intensity that is startling to those around you.
As an expat wife living overseas my first 5 years in France, I legally was not allowed to work for profit. Rather than viewing this as "a sacrifice to my career", I looked at this opportunity as an incredible gift which allowed me to evaluate my passions and interests and to ultimately parlay them into a career. During this time, I toyed with many career ideas, throwing myself with a passion into ideas like:
(a) teaching gourmet cooking lessons;
(b) becoming a certified picture framer; and
(c) teaching English as a second language
Sometimes it's okay to give up.
To try a business idea and then decide you do not enjoy it does not make you a failure. I struggled with this concept for years – thinking that starting a plan meant I had to finish it. I have thrown myself into many of the ideas only to discover, for example:
(a) that my recipes never come out the same more than once (irritating to students wanting to recreate my un–recreatables);
(b) that I hate measuring things (a disaster for a professional picture framer); and
(c) that while I love chatting with foreigners, I am more likely to pick up their grammatical habits than to correct them.
Eventually, you have to grow up.
I have watched several friends decide they are going to start a business, delve into the "research with passion" phase and never move beyond that point because they were striving for perfection. There will always be someone who knows more than you. With that in mind, do what many a President does – surround yourself with people who are smarter than you! For my tour business, I hired guides who were older and wiser than me – and who were coincidentally, European.
Along the lines of surrounding yourself with people who are strong in areas you are weak –
the most important thing you can do for your career is find someone to be your mentor
. Meet with them regularly to discuss growing your business and to get their input on your ideas. The second most important thing you can do for your career is to be a mentor – find someone who is starting a business and aspire to be someone they can look up to. By aspiring to be their mentor, you hold yourself to a standard higher than you might otherwise as you try to become someone worthy of their respect.
Once you have found a passion you want to make into a career, look to see how you could adapt this career to fit your lifestyle.
If you are a serial expat who will move from country to country, determine how you can keep a loyal customer base when you are no longer around. The internet is a wonderful thing that makes all things possible! You can continue your sales online by establishing a website, blog, podcast and/or webcasts. You can also consider finding a partner for your business, so that you can keep and grow your client base with each move.
The first thing a person who wants to write a book is told is to write about what they know – I took this sentiment and applied it to my target audience
for both my tours and my proposed series of books. I am first an expat and I write first and foremost for expats. I then expanded the idea to increase my target audience and tourists wanting to tour like locals benefit from this. My guerrilla marketing efforts are targeted first at my community – expats, internationals and women's clubs. I then expand my efforts to include national tourism websites, hotel lobbies and publications for trains and planes. A third wave of marketing efforts extends toward American and UK Travel, Home and Lifestyle publications focusing on international living. By utilizing the market I knew, I was able to capture a base level of clients using the expat market as my bread and butter and am able to grow my business from here.
Expat Women:
Thank you very much Toma. Your insights are invaluable and we will watch out in the future for some best–seller books from the now–famous, (The) Antiques Diva™.
The Antiques Diva™ Website
August 2008
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By BlazeMeter
via blazemeter.com
Published: Aug 06 2012 / 15:51
Blazemeter announces partnership with Acquia. A new era in load and performance testing for Drupal users! TEL AVIV, ISRAEL-- August 6, 2012 - BlazeMeter, provider of the Apache JMeter based load testing cloud, today announced its partnership with Acquia as an Acquia Network Partner. The combined forces of Acquia and BlazeMeter create a new standard in the world of load and performance testing. Acquia is a commercial open source software company providing products, services, and technical support for the open source Drupal content management system and BlazeMeter provides developers ways to quickly and seamlessly create comprehensive load tests on its load testing cloud.
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What is zero
by hamlet69
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Feb4-04, 11:37 AM
HW Helper
Matt grime,
It almost seems that you're not listening to me. But first, I will assume that I am very confused about mod2 (being not a math person).
First of all, I thought that mod2 could only deal with two distinct discrete objects, for instance 0 and 1. Then, the combination rule is defined such that 1 + 1 = 0, so that you always stay in the group.
I didn't know that multiplication, exponentiation, imaginary, or irational numbers were allowed in this scheme. I read through your bit about what i is in mod2 over and over again, and I still don't get it. If i = 1, then why write i? Does it only equal 1 when it is considered by itself, but it equals √-1 when it is in a product or exponent? It seems like there is 0 and there is 1, and then there is an infinitude of other "values" (not mod2) that you either have to identify with 0 or with 1. Why not say that i = 0?
I never asked about n. I think you may have seen the html "pi" in my post and interpretted it as an "n." Anyway, I'm curious what you would call pi in mod2. And now I realize that I forgot to ask about e. Both of these are irrational. That seems like it would be a problem for any discrete number system.
Tell me where I have gone way off. You said something about a ring. What is that?
Well, I don't know why I screwed this whole thing up so bad. For some reason, I thought we were talking about Euler's identity. But you were just talking about -x = x this whole time (I just read through the thread again). No wonder you think I'm whacko. I am TERRIBLY sorry about that. I would still like to hear what you have to say about the questions/concerns that I posed above, though.
Feb4-04, 12:18 PM
Sci Advisor
HW Helper
for turin
indeed i was only talking about x=-x, nothing to do with e or pi.
Firstly, F_2 is the set {0,1} as you know, with the addition and mult. as you stated. Now, this is all I was using. Now, i is defined as the square root of -1 in C, here there is a analogous element in the field because -1=1 has a square root. Notice however that there is a polynomial
that has no root in F_2. Just like in the real/complex case, we simply define A to be a root of this polynomial (the other root is 1+A), then there is an extension F_2[A] which we call F_4, it is the field with 4 elements, it is still not posible to find roots of every polynomial in F_4, so we can extend again and again. Each extension has 2^r elements for some r. The 'limit' of this construction, we'll call F, and it is the algebraic closure of F_2. It is infinite.
In all these fields 1=-1.
In the same way as there is a surjection from Z to F_2, there is a way of relating algebraic integers to "an" algebraic closure of F_2.
Let (2) be the ideal generated by 2 inside the ring of algebraic integers (that is the set of solutions of all monic polynomials with integer coeffs), the ideal is just the set of all things 2x, where x is an algebraic integer. Just like mod 2 arithmetc, we can declare two elments in the alg, integers to be the same if their difference lies in (2) (actually we require a maximal ideal containing (2) but that's a technicality).
Thus it is possible to define the image of any algebraic integer in a field of characteristic 2. However, neither e nor pi are alg. integers so i can't define their images.
To explain the high faluting maximal thing - 2 must get sent to zero, and so sqrt(2) must also get sent to zero if this were to make any sense, but sqrt(2) is not in the ideal (2). The maximal thing there corrects that problem and makes sure that the quotient is a field.
the vast majority of algebraic integers are irrational, in fact the only rational ones are the integers. it's a useful exercise to prove that
interestingly, the golden ratio, a root of x^2+x+1 must get sent to A, or 1+A in this scheme. note that A has no value as a real number! just as i doesn't, it's just a symbol we manipulate according to the rule A^2=A+1
Feb4-04, 12:30 PM
HW Helper
Matt, I understood just about none of that termonology, but thanks for explicating. I suppose I can inch through it and eventually understand it.
Feb4-04, 05:08 PM
Sci Advisor
PF Gold
Here it is in simpler terms.
In the world of complex numbers, a perfectly valid definition of [itex]i[/itex] is:
[itex]i[/itex] is a root of [itex]x^2 + 1[/itex].
All of the arithmetic we do with [itex]i[/itex] can be done algebraically using this fact; for instance:
(a + bi) (c + di) &= ac + adi + bic + bidi \\
&= ac + (ad + bc) i + bd (i^2) \\
&= ac + (ad + bc) i + bd (i^2 + 1 - 1) \\
&= ac + (ad + bc) i + bd (0 - 1) \\
&= (ac - bd) + (ad + bc) i
So, for any practical algebraic purpose, we can simply say that we've simply declared that [itex]i[/itex] is a root of [itex]x^2 + 1[/itex].
(Behind the curtain, there is quite a bit of mathematics involved to prove that such a declaration can be sensible, but you don't need to know what goes on behind the curtain to use such declarations)
Why stop there? We could instead declare [itex]\alpha[/itex] is a root of [itex]x^2 - 2x + 2[/itex]! (1)
This is also a perfectly valid way to create the complex numbers; declare them to be all numbers of the form [itex]p + q \alpha[/itex]. (exercise for those of you at home, and I strongly suggest you do it, things will make more sense!: what is [itex](a + b \alpha) (c + d \alpha)[/itex] written in the form [itex]p + q \alpha[/itex]?)
It turns out in this case that (assuming my hasty algebra was correct) if we make the substitution [itex]\alpha \rightarrow i + 1[/itex] that we can convert from this new definition of the complex numbers to the normal definition.
Anyways, we can apply this same idea to any other field, such as the integers mod 2 ([itex]F_2[/itex]). (a field is essentially just a number system in which you can divide by nonzero things)
One could try and define a new number system that is all numbers of the form [itex]p + q \alpha[/itex] where [itex]p, q \in F_2[/itex] and [itex]\alpha[/itex] is a root of [itex]x^2 + 1[/itex]... but that isn't helpful because [itex]x^2 + 1[/itex] already has a root in [itex]F_2[/itex]!!!
But, as before, we can simply pick another polynomial and declare some new field (let's call it [itex]F_2(\alpha)[/itex]) as all numbers of the form [itex]p + q \alpha[/itex] where [itex]p, q \in F_2[/itex] and [itex]\alpha[/itex] is a root of [itex]x^2 + x + 1[/itex]. This system is interesting because [itex]x^2 + x + 1[/itex] doesn't already have a root in [itex]F_2[/itex].
It turns out that when doing this type of construction over a finite field (such as the integers mod a prime), things are much more interesting than the boring world of the real and complex numbers.
(that's boring algebraically; they're still very interesting because of their topology)
(1) This sentence was originally incorrectly written as "Why stop there? We could instead declare [itex]\alpha[/itex] is a root of [itex]\alpha^2 - 2\alpha + 2[/itex]!"
Feb4-04, 06:14 PM
Sci Advisor
HW Helper
I'm not sure I can countenance using x to be a root of x^2-2x+2...
Feb4-04, 06:47 PM
Sci Advisor
PF Gold
While my typo was still technically correct, I will admit it was extraordinarily confusing. Fixed.
Feb4-04, 08:01 PM
HW Helper
Feb4-04, 08:17 PM
Sci Advisor
HW Helper
It would probably help if you knew what a ring, field etc were,
But ignore that bit.
The key here is that algebraically the real numbers are not complete - there is a polynomial with real coeffs that has no real root - x^2+1. We can declare that there is some element i, the
at behaves accoridng to the rule i.i=-1, and form C as R(i). Now it is an important result that you've now gone far enough - every polynomial with coeffs in C has roots in C, that is it is alg closed. Npw, we could equally have well defined j to be the root of the poly x^2+5, and algebraically,R(i) and R(j) are indistinguishable, that is one is a subfield of the other. So all though you say, well, adjoin other roots, the thing is they are already there.
Now, let's take polys with coeffs on F_2 or Z_2 depending on your preference. the equation x^2+1 has both its roots in F_2 already. There is however no root of X^2+x+1 in F_2. Traditionally, that is the first one you look at. Now it as a theorem that is not important (but whose proof is, bizarrely*) that no finite field (find a definition on Wolfram) has roots to every polynomial in it.
Look up field, field extension and algebraic closure.
* to explain that assertion, for instance, it is not very important that sqrt(2) is irrational, but that there is a proof (not the one you know at a guess) that implies that no integer has a rational square root unless it is a square of an integer - look at prime factors.
Feb4-04, 08:41 PM
Sci Advisor
PF Gold
These are things that one might worry about when trying to extend a number system. However, there is a nice theorem:
Let [itex]F[/itex] be a field, and let [itex]p(x)[/itex] be an irreducible polynomial[itex]^1[/itex] of degree [itex]n[/itex] whose coefficients are in [itex]F[/itex].
Then, there exists a field [itex]F(\alpha)[/itex] that consists of all numbers of the form:
[tex]a_0 + a_1 \alpha + a_2 \alpha^2 + ... + a_{n-1} \alpha^{n-1}[/tex]
where all of the [itex]a_i[/itex] are elements of [itex]F[/itex], and we have that [itex]p(\alpha) = 0[/itex].
So the mathematics behind the curtain say we're rigorously justified to do this sort of thing.
The mathematics behind the curtain also say there's exactly one extension of the real numbers that you can make in this way; the complex numbers.
Here's an example of something that yields a system that has less nice properties (though this system is an interesting one):
Define [itex]h[/itex] to be a root of [itex]x^2 - 1[/itex], but also require that [itex]h \neq 1[/itex]. Then we consider numbers of the form [itex]a + bh[/itex] where [itex]a, b \in \mathbb{R}[/itex]. (that is, a and b are real numbers)
The problem with this system is that division isn't always possible. For instance, what is [itex](1 - h)^{-1}[/itex]? If we try a generic possibility [itex](1 - h)^{-1} = (a + bh)[/itex] and multiply, we find:
(a + bh) (1 - h) &= (a + bh - ah - bh^2) \\
&= (a - b) + (b - a) h
So no matter what we choose for [itex]a[/itex] and [itex]b[/itex], this cannot equal 1, thus [itex]1 - h[/itex] doesn't have a multiplicative inverse; i.e. we cannot divide by [itex]1 - h[/itex].
So we have to be careful when we decree things like this; the result might not be quite what we expect!
(a + b\alpha) (c + d\alpha) = ac + (ad + bc) \alpha + bd \alpha^2
Which is not of the form [itex]p + q \alpha[/itex].
1: An irreducible polynomial is one whose only factors are multiples of itself and multiples of 1. The field in question is important; e.g. [itex]2x^2 - 4[/itex] is irreducible over the rational numbers, but factors as [itex](2x - 2\sqrt{2})(x + \sqrt{2})[/itex] over the real numbers.
Feb4-04, 10:33 PM
HW Helper
Thanks Matt and Hurkyl. I think I very well may have learned more math today than in all the 9251 other days of my life combined.
One question:
When you say, "it is alg closed," (I'm assuming "alg" means "algebraically") "what" is alg closed? The polynomial? The field?
x/y = z.
let y = 0 (as far as I understand, this is a perfectly valid member of C).
z = ?.
I just realized, I said "the" root. What I should have said was "a" root. (An advantage of specificity that the Polish language lacks) So, actually, this renders your example without a problem, because h = -1. Then, (a + bh) = (a - b) = 1/2. Leaving the expression generic for the time being, we must find the two values a & b. We have the equations:
a - b = 1/2
(a - b) + (b - a)(-1) = 1
Which become:
2a - 2b = 1
2a - 2b = 1
This system of equations is perfectly self-consistent.
Feb4-04, 11:04 PM
Sci Advisor
PF Gold
Ah, but how do you prove that [itex]h = 1[/itex]? You know that 1 is a root of [itex]x^2 - 1[/itex]...
The proof that [itex]x^2 - 1[/itex] has only two roots (1 and -1) depends on the fact that you're working over a field; that is division always works (for nonzero things). When I introduced this new thing, [itex]h[/itex], we are no longer working over a field, so this proof fails.
In this new structure (called the hyperbolic numbers), isn't always allowed and n-th degree polynomials can have more than n roots!
Basically, I'm suggesting you do the same thing with these numbers. Just like you use the fact [itex]i^2 = -1[/itex] to simplify the expressions for ordinary complex numbers, you can use the fact [itex]\alpha^2 = 2\alpha - 2[/itex] to simplify expressions for complex numbers written in this new way.
(mainly this is just a warmup for doing the same kind of thing over finite fields; I don't know of any practical use of this exercise other than simply as a good exercise)
Feb5-04, 06:34 AM
Sci Advisor
HW Helper
Yes, alg means algebraically. Algebraic closure refers to the field. A field is algebraically closed when and only when every polynomial with coeffecients in that field has all its roots in that field.
And x/0 is not allowed in the complexes. The reason so many people think this is ok is that there is a well known and often misused object called the Riemann Sphere which extends the complex plane to include a point at infinity, but this is basic algebra here so we don't touch it.
The 'problems' Hurkyl alludes to might include lots of zero divisor issues, and there is alot of the theory of ideals in there.
Here are two examples - take the integers mod 8, that is the numbers 0,1,2,3,4,5,6,7 with addition and multiplication taken remainder 8. here 4*2=0 and we say 4 and 2 are divisors of zero. This is not a good place to do arithmetic - we can't divide. Also note that x^2=1 has 4 solutions, 1,3,5,7.
All this behind the scenes stuff makes sure that there are no zero divisors in C and degree n polys have n roots.
The second. To give you a flavour of what the smoke and mirrors are:
Take R[x] to be the ring of all polys in on variable x with real coeffs. Let p=x^2+1, then {p} is the set of all multiples of p, that is all polynomials of the form p(x)q(x) for some omthe poly q(x).
Now p is irreducible - that is it has no real roots (that's not the general definition but for quadratics it is equivalent).
This irreducibility means that when we form the mod p analogue for polynomials - ie two polys r and s are defined to be equivalent if p divides r-s, or equivalently there is another poly h with r = s+h*p -- that we get a field.
we denote this R[x] / {p}
notice that we can define a map to C by sending x to i. This is acutally an isomorphism - that is R[x]/{p} and C are actually the same field.
Ian Stewart's book on Galois Thoery is a good place to learn about this - unlike most university level texts this emphasizes the examples and works inside C most of the time.
Feb5-04, 11:48 AM
so that is why it is noteworthy that you can do this for algebraic equations, like [itex]x^2=-1[/itex]
Feb5-04, 11:50 AM
Feb5-04, 12:32 PM
HW Helper
Feb5-04, 03:06 PM
Sci Advisor
HW Helper
I think I'll start a new thread for this, but to answer some specific questions.
1. 'omthe' is a typo that should read 'other'
2. No 0 is defined in C already, you just can't divide by it - check the defintion of a field, F is a field if it is an abelian group, with identity 0 under operation +, and F, omitting 0, is also an abelian group under the operation *.
3. In some structure ( ring usually) we say x divides y (is a divisor of) if there some other z with x*z=y. So in the ring of integers mod 8, 2 divides 0 in a non-trivial way (obviously x.0=0 is a trivial statement), that is what we mean by zero-divisors (the non-trivial is implicit).
4. When I say it is not a good place to do arithmetic, I mean things like finding roots of ax+b=0 is not as easy as it ought to be, because usually we would say x= -b/a. However, when non-trivial zero divisors exist this isn't true, as we can no longer divide by a. I mean the multiplicative inverse for 2 does not exist in mod 8 arithmetic.
To convince yourself of what's going on, lets do mod 3 arithemetic, what is 1/2? It is by definition the thing that when multiplied by two gives 1, agreed? So we are seeking a y such that 2y=1 (mod 3). By inspection 2*2=4=1 mod 3, so 1/2 = 2! Really we ought not to write 1/2 as it is too suggestive, but instead write 2^{-1}
In cases where x*y=0 for non-zer x and y we cannot say 0/x =y and vice versa - or at least whilst you may write it, it is not valid as a mathematical statement. To see why, consider mod 16 arithmetic - 4*4=0 and 4*8=0, so you cannot define 0/4 - there are two possibitlities.
LOok out for a new posting.
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The Rams will evaluate and discuss possibly adding QB Terrelle Pryor.
Seahawks waived QB Terrelle Pryor.
Seahawks QB Terrelle Pryor isn't interested in learning a new position.
ESPN's Jim Trotter says Terrelle Pryor has a "legit shot" to win Seattle's backup quarterback job.
GM John Schneider said Terrelle Pryor is exclusively learning the quarterback position right now.
Seahawks GM John Schneider didn't rule out using Terrelle Pryor in a "slash" role.
Seahawks acquired QB Terrelle Pryor from the Raiders for a seventh-round draft pick.
The Raiders offseason program begins on Tuesday.
Fox Sports' Alex Marvez reports the Raiders will waive Terrelle Pryor on Monday if they are unable to trade him this weekend.
Profootballtalk reports the Raiders will try to trade Terrelle Pryor by Monday.
FOX Sports' Alex Marvez reports the Raiders have received "trade feelers" for Terrelle Pryor.
CSN Bay Area reports the Raiders are expected to waive or trade Terrelle Pryor by April 21.
Raiders GM Reggie McKenzie confirmed at Monday's league meetings in Orlando that Terrelle Pryor will "likely be traded or released soon."
A league source tells Profootballtalk.com that Terrelle Pryor requested a trade during January's Senior Bowl.


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Launcher Update
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If ya need some help checking corpse run times lemme know. I'll message you my RealID ingame tonight so that we can keep contact easier.
The 25th sounds perfect. I'll request an event posting on our guild site and report the signups here. (To have some sort of "guestimate").
We wanna make this even as possible of course. :D
well in most places the alliance graveyards are slightly different in some zones so id need some help making sure that they are close enough to make it worth while fighting there!
Ill post in guild the date when i log in later and pass on the dates to mcd to do the same at pf!
and yeeaaahh cant have it unfair now can we! but i dont want to stop people coming along though!
Our booking is up and time is set to 19:00 GMT. (Local time for most of our guild would be 20:00 SA time).
I'll accompany you with my Pally (crusader aura ftw, good thing you can't inspect him) D:
set up our calendar event for the same time, ill pass it on to those in pf who want to come as well! even if your reading this thread on not in one of the guilds who are taking part you can still come along! just wisp any of us in game!
What he said ^^. Zero signups on our side thus far, but lets hope the peeveepee'ers start signing up soon. I'm getting impatient. :p
It was brought to my attention that organized events might not be as much fun as a "spontaneous" ganking festivity. So, should we keep the location "secret" to the two raid leaders and just do a have group will travel close by before our forces clash? Just to bring some random feel to it all at least I guess? /shrugs
Hey Everyone,
I am happy with the event being on Saturdays. I have made a booking on our guilds calendar for 8PM CAT this Saturday (GMT +2 and we do not observe daylight savings). I can't remember how far ahead we are on the current Realm time, hence me putting in the time zones etc :) The booking is clearly for us to use as an indicator who would be interested from our side.
Is everyone happy with this time, or should we look at adjusting the time?
@ sakaboela that sounds a great idea and can be easily done and cane be sorted on the day then and started rather easy! ive had a few sign up from malevolence so far for next weekend and a few are away for it and will join in the next event!
the problem with it not feeling random is that we really don't have enough players to keep scattered around to try and start some pvp as most of us sit in org on our drakes/mounts /flexing but i agree that the randomness will make it more fun if we can find some way of achieving this
90 Worgen Priest
Hi all
Just saw the whole thing on the calendar I enjoyed the ganking allot as well. The randomness problem is easy to over come let me know where one random hordy participating in the event is and I'll go pawn his !@#$... he can call help and I do same lol
Hi all
But don't you do that anyway? :D lol
Hope everyone is ready for this tonight and we have a good number of people joining. :D
We don't have many signups on our side, but I am sure there will be some online.
Any other Alliance guilds wanting to participate, let your leader /w me in-game during the day so I know who to invite. :)
Sakaboela and I just scouted out tonight's location and checked the graveyard runs etc. we've picked south barren's where the horde and alliance base's face each other with the battle scar in the centre.
Forming up inside the bases at 19:00 server time.
Everyone's Welcome
A Great event tonight though not entirely what was planed the end result was some great world pvp!
Cant wait for next weeks!
if you came please help get more players to come along!
Whisper Sakaboela he's sorting the alliance side out :)
Sure is! we will update the forums during the week with next weeks day and time and location! and idea's you have feel free to post on here!
Im hopping we can get it going every weekend! need a lot more players for this though especially on the horde side!
come one hordies! YOUR WAR-CHIEF NEEDS YOU!
Threats of violence. We take these seriously and will alert the proper authorities.
Posts containing personal information about other players. This includes physical addresses, e-mail addresses, phone numbers, and inappropriate photos and/or videos.
Harassing or discriminatory language. This will not be tolerated.


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Magazine features its first gay male couple
A historic move that's creating a buzz.
For the first time in its history, Jet magazine has featured a gay male couple in its popular 'Jet Love' weddings section.
The Dec. 10 issue of the mag, which hit newsstands last week, covers the wedding of Ravi Perry and Paris Prince, who married in the backyard of their Worcester, Mass. home.
"Jet's publishing of our union is historic," the couple said.
Bing: See the couple.
Indeed it is. Jet has traditionally covered only straight couples, but in a country with an evolving stance on same sex marriage, the magazine has followed suit.
More on MSN Living: Most common holiday arguments—and how to avoid them
In a press release commending the magazine, GLAAD issued the following statement:
"This is yet another opportunity to applaud Jet magazine for continuing to highlight the diversity of the African-American community and to urge other media outlets to recognize that it's these stories that help grow acceptance of our community and give a voice to LGBT people of color who are too often invisible in the media."
More on MSN Living: The biggest rocks of 2012
The magazine explains that Ravi, a Mississippi State University assistant professor, met Paris, a compliance officer for the Massachusetts Commission Against Discrimination, while he was studying for his Ph.D. The couple's honeymoon included a seven-day road trip through the South.
"We thought it would be important to help demonstrate to the nation, and particularly to the black community, that this marriage was just as much of a reputable marriage as any other," Ravi told NPR.
And while the couple might have sought placement with that demonstration in mind, Jet Editor-in-Chief Mitzi Miller says their inclusion was less about a cause and more about the romance:
"They are just a lovely couple," the said.
Photo: Peter Dazeley/Getty Images
More Sex & Love on MSN Living:
10 places to meet a man for the holidays
7 strategies to divorce-proof marriages
The way to his heart after 1, 5 and 10 years of marriage
What does your engagement ring say about you
love: friendships, dating, sex & marriage
How to go on vacation without breaking up
It's not that you don't find every little thing about your partner endearing and adorable; it's just that it would have been really, really nice if that map could have been consulted three hours ago.
10 outrageous wedding photos
The typical wedding: A white dress, tiered cake, floral centerpieces and a cute flower girl -- you know the drill. Every once in a while, though, a couple trades in tradition for a quirky, never-seen-that-before idea. Here are a few of the most out-there wedding photos that made us do a double take.
9 hot wedding trends for fall
There's a lot to love about weddings this fall, like cocktails served in copper Moscow mule mugs, industrial-inspired lighting and pheasant feather details. See what's new!
Why single ladies are rocking a wedding ring
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Majority of Americans are single
124.6 million haven't gotten hitched.
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Even though the national average wedding is $29,858, that's just an average. If you live in a smaller state like Idaho where the average wedding costs $16,159, you may find yourself saving a little more than half of the national spend! Check out some of the other least expensive cities to get married in below:
Americans have nostalgia for summer romance
Summer is winding down, but the ubiquitous summer romance lives on.
8 signs it's definitely time to break up
For those times when nothing big and horrible happened--but nothing is feeling right either.
Reasons why we love an older man
He's confident, distinguished and anywhere from 4 to 20 years older than you. Age is just a number, but there's something about older men that we love. Here are eight reasons why being in a relationship with an older man is tops.
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While a younger man may have less life experience, that doesn't mean he's not emotionally mature. Here are the eight reasons why being in a relationship with a younger man is tops.
5 reasons the other woman slept with your man
Have you ever wondered what the 'other woman' was thinking?
6 fun fall date ideas
So fall is coming and you need some romantic inspiration now that long walks on the beach are out of the question. Well look no further! From apple picking to pumpkin carving, these are some great fall date ideas from girls just like you!


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By STEVE PEOPLES
KITTERY, Maine (AP) - In a region where gun ownership is a cherished right, holiday shoppers snake through rows of shotguns, pistols and semi-automatic assault rifles at the Kittery Trading Post in Maine.
The school massacre in Connecticut - and potential changes to firearms laws because of it - is fresh on their minds.
AR-15 assault rifles in particular have been flying off the shelves in the Kittery store and elsewhere. That's according to a trade group that attributes the sales boom to fears among gun owners that the weapon will be outlawed.
Among the aisles packed with bullets and used firearms, shoppers say they are deeply conflicted about the proper response to the massacre.
Copyright 2012 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.
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To live is to listen and trust your intuition like that one wondering ant you see wondering along who seems lost does, to find the sugar in the house and goes off to tell the other little ants about it. Notice how it's strength lies in its intuition and its weakness lies in it's intelligence. This is a type of balance of all living things in this universe. We as humans are the most balanced creatures in on this earth. our weakness is our imbalance with our minds and our hearts and our strength is our alinement with both.
-this is my little paradox on a aspect of living.


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Punter recognized on preseason watch list
Source: The University Daily Kansan - Jul 11, 2012 at 7:01 PM
When junior kicker Ron Doherty lines up for snaps this season he'll have a few extra keen eyes looking on. The junior was selected by the Augusta Sports Council for the Ray Guy Award Preseason Watch List on July 11. Doherty joins 24 other kickers vying for the award given annually to college football's best punter. Last season the Klein, Texas, native pinned Jayhawk opponents behind their own 20-yard line 15 times, and finished 27th in the country with a 42.8-yard punt average. The list of 25 candidates will be narrowed down to 10, and then again to three, finalists by Nov. 19 before the winner is announced on Dec. 6 on ESPN's Home Depot College Football Awards show.


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A straight up, no BS product review to clean up your beard.
Mike Kasdan speaks with the NBA's Caron Butler and learns that athletes can rise above and be role models.
What is missing in the equation for classifying a child?
Have you forgotten how to play? Steven Lake reminds us how important it is to have FUN in your relationship.
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Trevor Christensen gets amazing, honest pictures from his subjects with a technique that you'd never expect.
Which would you choose — a successful romance, or a successful career? Jimmy Burgess says you don't have to choose, because the principles are the same.
Darrick Rizzo tells the story of giving his baby up for adoption.
Often I'll find myself listening to songs specifically because I think they are the perfect accompaniment to the film scene version of what I'm doing at that moment.
The stereotype of the callous Jewish moneylender pops its head out of the Vice President's mouth.
Alyssa Royse has seen the way CrossFit can make people strong and empowered. So here's how to find the CrossFit gym that will fit you.
Mindfulness is a way of being, both in the world and in your own skin. Rachael Uris has some ideas for bringing this into your sex life.
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Cameron Conaway isn't a car guy, but when he attended Cadillac's media drive for the 2015 ATS Coupe he felt the pull to become one.
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Freemantles is a Surrey County Council School for children with Autism. The school age range is from 4 -19 and as one of only two Autism specific schools in the county we have a wide catchment area across the west of Surrey.
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BLACKFOOT – Ridge Crest Elementary second-grader Enid McMahon was transported by ambulance to Bingham Memorial Hospital Tuesday after she was hit by a car near the school.
McMahon darted into traffic on Airport Road when walking home from school and hit the back end of a vehicle. According to her family, she sustained a compound fracture of the leg and was being prepared for surgery Tuesday evening.
"We encourage parents and everyone to slow down and be careful in school zones," said Ridge Crest Principal Colin Folsom.
RIVERSIDE – New Scouts participated in extended first aid instruction Saturday. The 11-year old Boy Scouts worked on their First Aid Merit Badge and First Aid requirements for rank advancements.
Kevin Heiner, district leader over New Scouts, says he has worked nearly every day for the past several months organizing the event. He had expert instruction available for the boys including doctors, EMT's, firefighters, educators and "Scouters."
IDAHO FALLS — Idaho Falls police say an argument in a motel parking lot led to a chase and shooting that left one man dead. Officers are seeking two persons of interest.
Sgt. Phil Grimes said 24-year-old Anthony Keith Camp of Firth was shot in the back while he was driving and his car struck a parked car and then crashed into a house at about 3 a.m. Tuesday. Camp died at Eastern Idaho Regional Medical Center. His female passenger had minor injuries.
THOMAS — Visual arts influence everything, said Snake River High School art teacher Jason Coles. For example, engineers design how a car moves but an artist designs what the car looks like. The same goes for shoes and shoelaces.
"People don't think of the influence of visual arts," Coles said.
Coles' favorite art medium is oil.
"There's something about taking a blank piece of paper or canvas and creating something," Coles said.
"I think it's important for my students to see me enjoying working on art," he said. "Hopefully, it inspires them.
By BOB HUDSON
BLACKFOOT — Members of the Blackfoot 11th LDS Ward will present their Second Annual English Pantomime tonight through Saturday at their chapel, 520 North Shilling. The public is welcome. Admission is free although they will seek donations for Haiti Relief during intermission.
The evening performances begin at 7 p.m. Saturday's show will be a 1:30 p.m. matinee.
"The English take a fairy tale and take poetic license," producer Mike Pope said of the performance. "They make it as fun as they can.
BOISE — Blackfoot High School (BHS) senior Mitchell Jensen is working as a page in the Idaho Senate. He has been spending his weekdays in Boise since Feb. 17.
"I'll be here until "sine die," Jensen said. ("Sine die" is when the proceedings have been adjourned with no appointed date for resumption.)
Two groups of six students work as pages for six weeks in the Idaho Senate during the legislative session. The Legislature normally lasts about 12 weeks.
There are 35 senators in Idaho; one senator represents each district.
BLACKFOOT — Kyra Babcock won the title of Blackfoot's 2011-2012 Distinguished Young Woman over a field of 16 other beautiful and gifted competitors Saturday night at the Blackfoot Performing Arts Center.
The 17 Blackfoot High School juniors competed in the areas of scholastics, interview, talent, fitness and self-expression. Each category was judged with the following criteria:
· Scholastic-20 percent
· Interview-25 percent
· Talent-25 percent
· Fitness-15 percent
· Self-expression-15 percent
SHELLEY – Buses and bus safety were the main topics of discussion at the Shelley Joint School District school board meeting Thursday evening.
Shelley trustees approved the purchase of an International 77-passenger conventional school bus for $81,144.
School districts have 60 days to "piggy-back" on another school district's bus bid, said transportation supervisor Ron Searle.
"I like to order the same bus as Bonneville because they order more buses than we do," Searle said. "The bus is already built and will be delivered about mid-July."
BLACKFOOT — They wear the same uniform, receive the same training and are as qualified as any Bingham County deputy sheriff—only they are volunteers.
There are eight volunteer deputies in the Bingham County Sheriff Reserve Deputy Program. The program was originally started as a way to help fill vacancies within the department with qualified deputies. The reserve deputies also provide support to full-time deputies by covering high school sporting events, providing extra patrols during the Eastern Idaho State Fair and whenever additional deputies are needed.
BLACKFOOT — Another plea agreement has been reached between the Bingham County Prosecutors Office and one of five former Blackfoot High School athletes facing various misdemeanor charges.
Logan Chidester pleaded guilty Wednesday to two counts of misdemeanor disturbing the peace. Chidester was scheduled to begin trial next week on six charges of false imprisonment and two charges of battery, all misdemeanors.
The plea agreement is the same as the one accepted by Nathan Walker last week. Both are scheduled to be sentenced March 25.


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-The theme "My Impossible year", can be this year just past, or the one in progress. All images must have been taken with an iPhone. We need at least 5 images on this theme, they can be straight shots or they can be filtered, it is up to your artistic taste.
- The images must be as high resolution as possible, so that we can publish them. They should be accompanied with a short introductory text and your details (name, email, web site…). Save the lot in a .zip file and send them to firstname.lastname@example.com
-The deadline is April 15th. The winners will be selected jointly by Square magazine and the Impossible Project crew by the end of April, to be published in a special issue on May 15th.
-The event is free. You retain copyright of your images, but you'll have to allow us to use them for promotional purposes (we are not going to sell your work to anyone).
The 5 winners will receive an Instant Lab from the Impossible project and be published in our special issue. A best of will also be published, and an over-all winner will see his or her work exhibited in Rennes in May 2014.
Oh, all images need to be square, of course.
If you have any question, contact firstname.lastname@example.com
5 Responses to ""My Impossible year" competition"
Twenty-two online magazines for your consideration said at 9:44pm on January 30th, 2014:
[...] issue is #404 and can be downloaded as PDF from their website. Recently they started a call for "My Impossible Year", an iphone photography competition that you might like. Among the submissions page where you can [...]
philippe said at 3:28am on March 30th, 2014:
could you elaborate on the theme? I would love to participate!
Christophe Dillinger said on March 30th, 2014 -
@philippe, don't worry too much about the theme It is about events that were significant in your life last year, stuff that a photograph will help remember for instance. Images from a trip, or a new house, or maybe a town you're going to move to this year, or a job offer you've celebrated…
Ricky Ricardo said at 4:44am on April 15th, 2014:
Can it be from an Android phone, or strictly Apple iPhone?
Christophe Dillinger said on April 15th, 2014 -
Hi. It can be any phone shooting square, but the prize is an Instant Lab from the Impossible Project, and they only work with iPhones.


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Video Tutorial: Call Setup For First Timers
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Determine if you'd like to use the free or premium service.
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