text:
Preparations underway for 'silver tsunami'
DANBURY -- Tsunamis aren't usually a concern in Danbury, but there is one aimed at the state that will have a tremendous impact on the city.
It's the "silver tsunami," and the first wave has already hit the area.
The term refers to the baby boomers, those people born from 1946 to 1964 who are reaching senior citizen status or will be there by 2020.
The Danbury Aging in Place Planning Council has been reviewing what this surge of seniors will mean for the city.
The council's goal is to help Danbury be a community where older adults have the opportunity to live with dignity in the home of their choice, whether it's their own or in a community setting.
Susan Tomanio, director of elderly services for the city, chairs the council. She also is a member of the Connecticut Legislative Commission on Aging.
Tomanio kicked off a meeting Tuesday at Elmwood Hall to discuss solutions to aging-in-place issues with community leaders.
"The goal of this meeting is raising awareness," Tomanio said. "We want to get it on the radar. It's a call to action for key players in the community and a chance to share the council's vision with them."
More InformationGrowing older
Connecticut is the seventh-oldest state in the nation for median age.
The population of Danbury's seniors age 65 and over will increase by 31.5 percent between 2010 and 2020. Of that increase, 44 percent will be those over age 90.
SOURCE: http://www.livablect.org/
Tomanio introduced Mayor Mark Boughton for brief opening remarks.
"We don't want you selling your homes and moving to Tennessee and Florida," Boughton said to the group. "We want you stay and be cold with the rest of us."
Guest speaker Julia Evans Starr, executive director of the Connecticut Legislative Commission on Aging, said that baby boomers represent almost a third of the state's population.
"This demographic shift is a permanent change throughout the state," she said.
Starr spoke about the council's Livable Communities initiative. A livable community is a community with affordable and appropriate housing, infrastructure, community services and transportation options for residents of all ages.
The commission's motto for livable communities, she said, is to make a community "a great place to grow up and grow older."
Rebalancing, another topic Starr spoke about, is the movement to transition nursing home residents back to their communities.
"Two thousand people across the state were transitioned," Starr said. "If they go home and are isolated, it's not as good. It's important to remain socially connected -- keeping people connected, having transportation available."
Starr asked those present to help keep government accountable as nursing home beds are retired, so the money saved from moving patients back home is invested in services to improve the quality of life available to them.
She also announced the launch of the commission's new website, www.livablect.org, which went live Tuesday with information and resources to help communities meet the growing needs highlighted by the silver tsunami.
firstname.lastname@example.com; 203-731-3338; http://twitter.com/CarolynMNT/


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subset: commoncrawl


text:
|Version 1247 (modified by daveoran@…, 20 months ago) (diff)
Information-Centric Networking Research Group (ICNRG)
This is the Wiki for the IRTF ICN Research Group (ICNRG).
ICNRG Administrative Information
Contact ICNRG chairs
Börje Ohlman, Dirk Kutscher, Dave Oran
ICNRG Documents and Presentation Material
- ICNRG document Datatracker for latest status and progress.
- Meeting material for all meetings so far
Informational RFCs
- RFC 7476 Information-Centric Networking: Baseline Scenarios (was draft-irtf-icnrg-scenarios)
- A document that defines reference baseline scenarios to enable performance comparisons between different approaches.
- RFC 7927 Information-Centric Networking (ICN) Research Challenges (was draft-icnrg-challenges)
- This document describes current research challenges in ICN, including naming, security, routing, system scalability, mobility management, wireless networking, transport services, in-network caching, and network management.
- RFC 7933 Adaptive Video Streaming over ICN (was draft-irtf-icrng-videostreaming)
- A document that describes key issues of video streaming in ICN and considers how the current video streaming should be modified in an ICN architecture.
- RFC 7945 "Information-Centric Networking: Evaluation and Security Considerations" (was draft-irtf-icnrg-evaluation-methodology)
- This document presents a number of considerations regarding evaluating Information-Centric Networking (ICN) and sheds some light on the impact of ICN on network security. It also surveys the evaluation tools currently available to researchers in the ICN area and provides suggestions regarding methodology and metrics.
In RFC Editor Queue
- None at the moment.
ICNRG current work items
- Information-centric Routing for Opportunistic Wireless Networks
- CCN/NDN Convergence Effort
- The work on harmonizing the CCN & NND protocols is initially documenting the differences in the document Design Choices and Differences for NDN and CCNx 1.0 Implementations of Information-Centric Networking, draft-icnrg-harmonization-00 (.html, .txt)
- CCNx Messages in TLV Format (in IRSG Review)
- CCNx Semantics (in IRSG Review)
- Using ICN in disaster scenarios
- File-Like ICN Collection (FLIC)
- Deployment Considerations for Information-Centric Networking
- Native Deployment of ICN in LTE, 4G Mobile Networks
- Design Considerations for Applying ICN to IoT
- Information-Centric Networking (ICN): CCN and NDN Terminology
ICNRG discussion items / Potential future work items
- ICN Routing here we list research issues related to ICN routing and related research papers.
Other ICNRG documents
For complete list, see https://datatracker.ietf.org/group/icnrg/documents/
- Requirements and Challenges for IoT over ICN, merger of
- Applicability and tradeoffs of ICN for efficient IoT (draft-lindgren-icnrg-efficientiot)
- ICN-IoT Requirements and Challenges (https://tools.ietf.org/html/draft-zhang-iot-icn-challenges)
- Proposed Design Choices for IoT over Information Centric Networking
- https://datatracker.ietf.org/doc/draft-ahlgren-icnrg-netinf-live-video/
- https://datatracker.ietf.org/doc/draft-hong-icnrg-bloomfilterbased-name-resolution/
- https://datatracker.ietf.org/doc/draft-zhang-icnrg-hn/
- CCNinfo: Discovering Content and Network Information in Content-Centric Networks
Running Code
- NDN-OPP: NDN Android for Opportunistic Wireless Networks
- DABBER routing protocol implementation - Works on top of NDN-OPP
- Oi!: Short Messaging Application for Opportunistic Wireless Networks- Works on top of NDN-OPP
- Now@: Data Sharing Application for Opportunistic Wireless Networks- Works on top of NDN-OPP
- CCN-Lite
- Named Data Networking
- RIOT Project
- CCNx test rig
ICNRG Design Teams and Side meeting materials
Upcoming ICNRG events
ICNRG Interim Meeting Cambridge, MA, USA September 24, 2018
- Date: Monday, September 24, 2018 (the day after the ACM ICN 2018 at Northeastern University)
- Time: 09:30-17:30
- Location:
- MIT Kendall Square (either Stata Center or Media Lab depending on room availability)
- Etherpad for notes: TBD
- Meeting Materials: https://datatracker.ietf.org/meeting/interim-2018-icnrg-03/session/icnrg (pending approval)
Draft Interim meeting Agenda:
TBD: Please contact chairs with proposed agenda items. Note: We would like to have at least one deep dive topic for this interim. One possibility is to brainstorm on what instrumentation and management tools we need, with discussion of CCInfo, Ping, Traceroute, and other possible tooling.
Registration for ICNRG interim meeting
Please register for the interim meeting. We need the right number of attendees for ordering refreshments! You can register either by directly adding your name in the table below or by sending an email to the ICNRG chairs.
|Börje Ohlman
|Ericsson Research
|Borje dot Ohlman at ericsson dot com
|Dirk Kutscher
|ietf at dkutscher dot net
|Dave Oran
|Network Systems Research & Design
|daveoran at orandom dot net
|nn at company dot com
Planned ICNRG meeting @ IETF-103 Bangkok, Thailand, November 4-9, 2018
- Date: TBD
- Time: TBD
- Location: TBD
- Room: TBD
- Etherpad for notes: http://etherpad.tools.ietf.org/p/notes-ietf-103-icnrg
- Meeting Materials: https://datatracker.ietf.org/meeting/103/session/icnrg
Draft Regular meeting Agenda: ¶
Past ICNRG meetings
Here you can find agendas, meeting materials and minutes of all past ICNRG meetings: icnrg/pastmeetings
Related Events
- ACM SIGCOMM ICN-2018 Conference
- IEEE Infocom 2017 Workshop on Named-Oriented Mobility: Architecture, Algorithms and Applications
- IEEE Infocom 2017 Workshop on Multimedia Streaming in ICN
Related RFCs
- RFC 6920: Naming Things with Hashes
Related Information
Here we list ICN overview articles and tutorials:
- Information-Centric Networking in IEEE Communications Magazine, July 2012 December 2012
- Information-Centric Networking in Computer Communications, April 2013
- Information-Centric Networking in IEEE Network, May-June 2014
- Liaison Statement from ITU-T SG13 to IRTF ICNRG
(please contact us if there is something you think should be listed here)
Related Research Projects
- https://wiki.fd.io/view/cicn
- http://www.sail-project.eu/; http://netinf.org
- http://www.ccnx.org/
- http://www.named-data.net/
- http://radlab.cs.berkeley.edu/wiki/DONA
- http://www.fp7-pursuit.eu/PursuitWeb/
- http://www.comet-project.org/
- http://www.anr-connect.org/
- http://www.ict-convergence.eu/
- http://www.greenicn.org/
- http://www.named-function.net/
- http://www.ccn-lite.net/
- http://www.umobile-project.eu/
- http://www.point-h2020.eu/
- http://rife-project.eu/
- http://www.ee.ucl.ac.uk/comit-project/
- http://ndnsim.net
- http://i3.realmv6.org/
- http://www.icn2020.org/
- http://www.doctor-project.org
(please contact us if you want to have your project listed here)
ICN evaluation tools and testbeds
Here you can find a listing of ICN evaluation tools and testbeds, please see IcnEvaluationAndTestbeds
Older Material
Older presentations, drafts that are not part of any meeting proceedings can be found in our archive.
Attachments (3)
- draft-dong-nrs-requirements-00.txt (29.8 KB) - added by borje.ohlman@… 4 years ago.
- draft-irtf-icnrg-ccnxmessages-07.txt (110.3 KB) - added by Borje.Ohlman@… 2 years ago.
- draft-irtf-icnrg-ccnxsemantics-07.txt (85.6 KB) - added by Borje.Ohlman@… 2 years ago.
Download all attachments as: .zip


text:
Dog food reviews
Member List
Dry Dog Foods
3 Star Dry Dog Food
Previous Product
Next Product
Trilogy International Lifes Abundance Premium Health Food for Puppies & Adult Dogs
Date of last review
Sun October 28, 2007
Recommended By
Average Price
Average Rating
No recommendations
None indicated
None indicated
Feeding guideline:
A 50lb dog should be fed 1 3/4 to 2 1/2 cups
Metabolizable Energy (ME)
441 kcal/cup.
Chicken Meal, Ground Brown Rice, Potato Product, Chicken Fat (Preserved with Natural Mixed Tocopherols (Vitamin E)), Dried Beet Pulp, Brewers Dried Yeast, Natural Flavors, Flax Seed Meal, Egg Product, Catfish Meal, Salt, Calcium Carbonate, Potassium Chloride, L-Lysine, Carrots, Apples, Canola Oil, Alfalfa Leaf Meal, Celery, Lactobacillus Acidophilus Fermentation Product, Lactobacillus Casei Fermentation Product, Bifido Bacterium Fermentation Product, Enterococcus Faecium Fermentation Product, Aspergillus Oryzae Fermentation Product, Spinach, Grape Seed Extract, Vitamin E Supplement, Ascorbic Acid, Biotin, Niacin Supplement, d-Calcium Pantothenate, Vitamin A Acetate, Riboflavin Supplement, Vitamin B12 Supplement, Thiamine Mononitrate, Pyridoxine Hydrochloride, Citric Acid, Vitamin D3 Supplement, Folic Acid, Ferrous Sulfate, Zinc Sulfate, Zinc Proteinate, Iron Proteinate, Zinc Oxide, Copper Sulfate, Manganese Sulfate, Manganese Proteinate, Copper Proteinate, Manganous Oxide, Selenium Yeast, Calcium Iodate.
Crude Protein, not less than . .26.0%
Crude Fat, not less than ....16.0%
Crude Fiber, not more than ...............4.0%
Moisture, not more than .10.0%
Post a Reply
Registered: October 2005
Posts: 3953
Review Date:
Sun October 28, 2007
Would you recommend the product?
| Price you paid?:
Not Indicated
| Rating:
First ingredient is a named meat product.
Insufficient meat content, use of controversial fillers.
The first ingredient in the food is a named meat product in meal form. There is a further meat product, fish meal, 10th on the ingredient list, but this is too far down to make up a substantive portion of the food. We note that while the manufacturers states that they do not add any chemical preservatives to the food, they do not specifically state the use of Ethoxyquin-free fish sources (ethoxyquin is a chemical preservative commonly added to fish destined for meal, and is believed to be carcinogenic). With only one real meat source, we cannot have confidence that there is an adequate amount of meat in this food.
Brown rice is a good quality grain, but potato product is filler. We are also concerned to see chicken fat as the fourth ingredient in the food. Research at Purdue University has shown a fat in the top four ingredients of dry dog food to be a factor that increases the risk of bloat in large breed dogs. Smaller breeds are untested.
Beet pulp is further filler and a controversial ingredient it is a by-product, being dried residue from sugar beets which has been cleaned and extracted in the process of manufacturing sugar. It is a controversial ingredient in dog food, claimed by some manufacturers to be a good source of fibre, and derided by others as an ingredient added to slow down the transition of rancid animal fats and causing stress to kidney and liver in the process. We note that beet pulp is an ingredient that commonly causes problems for dogs, including allergies and ear infections, and prefer not to see it used in dog food. There are less controversial products around if additional fibre is required.
We appreciate the inclusion of some amount of vegetable matter in the food, and a good range of probiotics. We would prefer to see the use of whole eggs rather than egg product in this food.
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text:
Because no one reads the newspaper, and SportsCenter's anchors are too perky for this early in the morning, Deadspin combs the best of the broadsheets and the blogosphere to bring you everything you need to know to start your day.
•Not one, but TWO nutshots led to ejections tonight: Seton Hall's Herb Pope, and Jackson State's Phillip Williams. Not a laughing matter for the guys on the wrong end of them, but when did the NIT turn into America's Funniest Home Videos?
•Arkansas-Pine Bluff has officially won an NCAA Tournament game. Every time someone says they should expand the tournament, just repeat that sentence.
•Lance Mackey wins his record 4th consecutive Iditarod. For finishing in slightly under nine days, he receives $50,000 and a new Dodge truck. Which should help him finish even faster next year.
•Phoenix put up an NBA season-high 152 points against the T-Wolves, as every sports writer dusts off the word "rout." But really, what else can you call it? Certainly not an NBA game, when Darko Milicic led all Wolves starters with a -12 +/-.
•Chuck Knoblauch pleaded guilty to misdemeanor assault on his wife. His defense: he was aiming for Marie Olbermann.
Happy St. Patrick's Day. To celebrate we're dyeing Craggs's beard green. Stick around.


text:
Hello Fellow Racers! I have a question for everyone regarding rules and a safety issue, and would appreciate the feedback.
As Nationals approaches, excitement fills the air. With each season, I reflect on last years accomplishments and set new goals for another season.
The highlight of course is Nationals and something we all work hard for, with lots of training and practice. Last year, I managed to accomplish my goal of chiseling down my HC and racing in a higher division, Silver for me. I got to compete with a couple of long time friends, along with a lady Ive never met. I was chasing one of my friends all weekend, as usual, she was in 1st and I was in 2nd place for 3 of the 4 runs over the 2 days. I was ahead of the new lady in 3rd position by over a second and a half, until that fateful 4th run. She ran just after me, so I got to watch her go through the finish, and then my heart sank. As she approached the Finish, she reached out with the tip of her pole leading (not the hand first, the Tip) to trip the wand before her hand or skis went through. Well, I was ready to throw up at that point, she barely caught me. To see my season end on a cheap cheesy Beer League trick at a Nationals Venue was quite nauseating. And if that wasnt heartbreaking enough, the woman had the nerve to flaunt and taunt me several times at the Awards ceremony by waving the Silver in my face, which further indicated her lack of character and integrity as a racer with unsportsmanlike conduct. I just kept walking away, but it was disgusting, and fellow racers dont deserve that kind of treatment.
Now, I know that we are on an Honor system in NASTAR Racing, the Sandbagging issue was quite a heated debate for years, and we are supposed to police ourselves. Fortunately, Bill Madsen came up with the Bump Rule, a brilliant solution to solve Sandbagging issues, making things fair and keeping racers honest. Now just when I thought Id seen everything racing at Nationals since 1999, Id never seen anyone try the Cheap Cheese Pole Beer League move, because that is an integrity issue. Ive watched Olympics and World Cup Races for decades and the Pros dont do it either, they always go through the Finish fist first. Geez, ya think SAFETY is a major factor here! Many years ago at our Local Resort, a lady pulled that stunt, caught a tip and jammed herself in the chest with her pole handle. Well, our Race Director bolted out of the Finish shack and royally chewed her out, and pointed out the safety factor. Then at another Local resort, my hubby saw a guy pull the same stunt, and he knocked out a few teeth.
So, my fellow racers, Id like to get everyones input on whether this stunt is considered a legal move in a Nationals venue, or is there a rule against it? If not, should there be Rule to outlaw it, specifically as a safety factor? If this stunt is allowed and racers do this regularly, then theres a greater risk for injuries during Nationals, course holds, delays, and EMT ski patrol being inconvenienced for stupidity in the racecourse. Now that NASTAR is part of USSA, will the same rules apply, and be enforced? If so, will the rules be posted at the NASTAR website so Racers know what is expected?
Thanks for feedback, be safe, and Happy Racing everyone!


text:
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text:
Peoria's 'Don't Shoot' program targets gun violence
PEORIA, Ill. — Nikkos Clark had been out of prison for a few months and was on parole when he was told last December to attend a meeting at the Civic Center here.
He was wary, but he was introduced that day to Don't Shoot, a program meant to deter gun violence.
A couple of days after that "call-in," Clark, 24, called organizers and said he wanted help. Now he's enrolled in weatherization installation classes through a local jobs program and is determined to change his life for himself and his 2-year-old son.
"You've got to want to change," says Clark, a former gang member who was convicted of a felony gun charge and acquitted of murder.
Peoria decided to implement Don't Shoot last year after officials concluded that the city needed a fresh approach to gangs, drugs and gun violence. The program is based on the 2011 book Don't Shoot: One Man, a Street Fellowship and the End of Violence in Inner-City America by David Kennedy. He is director of the Center for Crime Prevention and Control at John Jay College of Criminal Justice in New York.
Kennedy's approach is used in dozens of cities. In High Point, N.C., it has reduced violent crime by 53%.
Peoria officials used Kennedy's template to fashion a program they hope will work here. They're doing it with funds donated by local businesses — their application for a $300,000 Justice Department grant was denied — and the collaboration of Mayor Jim Ardis, the U.S. attorney, state's attorney, police chief, sheriff, social service groups and many others.
The Don't Shoot concept: a zero-tolerance attitude toward gang and gun violence coupled with outreach to get offenders to give up crime and spread the message through their communities. In exchange, offenders who are on parole or probation get access to job, health and addiction assistance.
Twenty-nine people attended the gathering in December, where they heard tough messages from police and prosecutors and the stories of crime victims. They saw photos of murder victims' corpses, and an emergency-room doctor displayed images of the effects of bullets on human bodies.
After the session, 11 participants asked to be part of Don't Shoot; since then, 10 more ex-offenders have gotten involved, says Krista McCavitt, the police department's community service coordinator.
In January, one participant was arrested for aggravated kidnapping.
"We needed to do something," Ardis says. The message from the community was clear, he says: "We're fed up with this rising crime rate."
The city had 23 murders in 2010 and 10 in 2012.
To involve the entire community, Ardis asked residents to read Kennedy's book last year. Free copies were available at the library.
Billboards and signs on buses feature a child's face and the words "You're killing me." Carl Cannon, founder of ELITE, a youth program, takes the message to middle and high schools.
"We just got together and said, 'We've got to do this,' " says Police Chief Steve Settingsgaard. Because the community is paying for the program itself, he says, it won't meet the fate of many anti-violence efforts tied to grants and their requirements: "When the money runs out, the players run out," he says.
U.S. Attorney Jim Lewis says quelling gun violence will save money in the long run. "What does it cost the community to have more and more people shot up?" he asks.
State's Attorney Jerry Brady says the average cost of a single homicide is $8 million, including medical, social and incarceration spending. The Don't Shoot message is being taken to the jails, he says.
Settingsgaard calls the effort "our mission." Ardis hopes he'll one day be able to call his city the safest in Illinois.
Police officers Aaron Watkins and Erin Barisch, members of the unit charged with making Don't Shoot work, hope it means they'll see less violence on the streets.
"It's our responsibility," Watkins says, "to extend the connection to the community and require the community to step up."
The program is "make or break," Barisch says. "We're all in."


text:
Even More Evidence Of How Free Ebooks Can Increase Sales Of Physical Books
from the but-free-doesn't-work!!!! deptWe've noted in the past the various stories of individual authors like Paulo Coelho and David Pogue, who showed that free (non-DRM'd) versions of their ebooks helped increase physical book sales. Then, in February, we wrote about some actual research that showed that when unauthorized ebooks get out into the wild, there is a "significant jump in sales" of the physical book. And, now there's even more evidence to support this. A recent paper by a PhD. candidate noticed that free ebooks tend to increase sales of physical books. In this case, rather than looking at "unauthorized" ebooks, it looks like they focused on authorized free ebook versions. Not all of the books increased in sales, but you can see that there are lots of variables that impact this (how are the ebooks offered, how are the physical books offered, what types of books are they, etc.). Either way, though, it seems like there's increasing evidence that when done right free ebooks can certainly increase the sales of physical books -- despite claims from companies like Attributor that unauthorized ebooks are costing publishers money.
Filed Under: business models, ebooks, pricing, sales


text:
In the Philippines, where you can die for singing Frank Sinatra's "My Way" off key, artist Louie Cordero decided to satirise the ongoing violence with an over-the-top installation that shows just how crazy the phenomenon has gotten. It'll make you think twice whenever you find yourself humming the Sinatra songbook.
You may remember that the violence surrounding the pop classic has reached epidemic proportions. The situation has gotten so bad over the years that the news media calls the phenomenon the "My Way Killings". What Cordero did to address them was to create "My We", an installation with fiberglass models of people being cut, impaled, and maimed by cast aside Western objects. He even modified a videoke machine, turning it into a garish death machine that plays "My Way" on repeat, superimposing the lyrics over tabloid headlines about the killings. What you get is not only a commentary on the killings themselves, but also an indictment of the West's at times violent influence on "Third World" culture. [designboom]


text:
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If you would like your order gift-wrapped please remember to select the Gift-Wrapping option from the drop down box on the product page when placing your order, if you do not select this option we will assume that you do not require gift-wrapping.
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No posts found


text:
I ONCE met a man with £80,000 in savings earning less than one per cent interest.
While he had £80,000 outstanding on his mortgage – yet he said he was good with money. Like many, he thought being thrifty and a careful budgeter was enough. As many are taught at David Brent style management training, 'if you assume – it makes an ass of U and me!' So here are wealth warnings based on things I've come across during my TV money makeovers.
Savings bigger than his mortgage. With £80,000 mortgage debt at over six per cent interest, just switching to a better deal would've cut £100 a month of this older family man's costs.
The irony was he had savings for a similar amount with the same bank. The savings documents languished in a draw and showed the interest was sub one per cent – and that was prior to the scything cuts of recent years.
In other words, he lent his bank £80k at one per cent by saving and it lent him back the same cash at six per cent in the form of a mortgage.
The family cleared the mortgage with savings and was £5,000 a year better off. They reduced their costs by nearly £50,000 by the time the loan was due to be cleared.
The wider rule: Pay off your debts before saving.
The cost of debt almost always dwarfs the amount earned from savings. So clearing debts is normally the most efficient thing you can do with your cash (see moneysavingexpert.com/repaymortgage).
Missing zero per cents. As often happens in the run up to one of my makeovers, this family knew the cameras were due and started to try to sort out their own finances. It's a bit like people who dust a house because they know the cleaner's coming.
In this case, she had over £10,000 of outstanding loans and credit cards and applied for a new, though sadly not market leading, zero per cent balance transfer credit card. Yet the card had a £6,000 limit, and they'd only shoved £2,000 on it. She'd failed to realise they could move other card debts to it too. As they had a host of other cards at 15 per cent-plus interest, filling this up would save over £600 a year.
The wider rule: Before making new card applications utilise your existing credit efficiently. This helps to protect your credit score. Check all of your cards' interest charges and find out if there's room on your limits. Call up each provider and ask "will you give me a special rate if I move debts from other cards to you?" You'll be surprised how often they say yes, MBNA and Barclaycard especially.
Even if you're not offered a special rate, eg, you've one card at 16 per cent and one at 18 per cent, shift the debt from the more expensive card to fill up the cheapest card's credit limit. If you still need more cheap credit, apply for a new deal to shift all remaining debts. See moneysavingexpert.com.balancetransfers for all the current best buys.
It's rebuild, not market values, that count for home insurance. In the days of house price boom, one man each year at renewal proudly changed the ever-escalating valuation on his insurance form . When I arrived, his premium was well over a grand a year.
Yet it was completely wrong. For buildings cover, it's a property's rebuild value that counts. This is literally the amount it'd cost to rebuild a property from scratch if it's destroyed, usually substantially less than the market value. In fact, even with his own, expensive, insurer, reinsuring at the rebuild rate slashed the cost to £250 a year.
The wider rule: Know what you need to cover and take time to value it correctly. Under covering is just as damaging as over covering. For example, if you've £30,000 worth of contents, but only cover £10,000, don't assume it'll be fine. Imagine £1,000 damage to your kitchen. While that's within your cover limit, the insurer may check your value of contents, then only pay out in proportion to what you've covered, in this example a third of the value of the damage.
Yet it's possible to get adequately covered home insurance super cheaply. The best route is combine comparison sites and check if you can get hidden cashback on top. The record result using this system is actually being PAID over £60 to get home insurance, as the cashback was higher than the policy cost. For step-by-step instructions see moneysavingexpert.com /homeinsurance
Don't hide debts from yourself.
Families in debt often try and hide it, even from themselves. The classic way to do this is to periodically shove credit card and loan debts on to a mortgage and then consider it vanished.
In one worrying case, a family with £20,000 debts, equivalent to nearly a year of their after-tax income, told me it'd taken around a decade to build up.
That seemed slow considering their spending habits. Only later did it turn out they'd remortgaged three or four times during that period to clear debts of over £100,000. So rather than a £2,000 annual overspend, it was far closer to £12,000. And while they knew this, as it was 'done and dusted' it didn't really count.
The wider rule: Persistent borrowing is a symptom of over-spending. If you have debt and it's not from a one-off, budgeted piece of borrowing then it's almost certain you're spending more than you earn and that's a critical danger sign. Keep it up and you risk a debt spiral, borrowing even more to enable you to continue your existing lifestyle and repay other debts.
The most important thing to do is a hardcore budget. This means looking far beyond a typical month's expenditure, that misses things like the daily coffee, weekly shop, annual holidays or changing car every five years. Say you spend £600 a year on Christmas – that should count as £50 a month.
Only by doing it that way can you truly see where you stand financially and how much you need to restrain your spending. To help I've a free automatic tool at moneysaving expert.com/budgeting .
TV money guru Martin Lewis runs the consumer revenge website MoneySavingExpert.com ; ensure you get his weekly e-mail so you're constantly saving money.


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The Dynamo are seeking their 35th successive unbeaten home game when they welcome the Chicago Fire to BBVA Compass Stadium on Sunday, but the team is also focused on a smaller figure - the number one.
As in: one defeat in their previous match, one win the target in their next. A team that rarely loses twice in a row is determined to resume business as usual. Losing at one of the most testing away venues in MLS is no disgrace. But one of the Dynamo's aims is to reproduce their remarkable home form in road games, so the 2-0 defeat to the Portland Timbers felt painful.
"This loss last weekend definitely hurt, it's kind of like a slap in the face and hopefully a bit of a wake-up call," veteran striker Brian Ching told HoustonDynamo.com. "It just shows us that we need to not only be good at home, we need to start imposing ourselves more on the road as well."
The first half at JELD-WEN Field last Saturday was even but Portland found an extra gear after the break and did not look back after Ryan Johnson's 55th minute goal. The forward added another in the 73rd minute to rubber-stamp the Timbers' first win of the campaign and earn himself MLS Player of the Week honors.
"In the first half we came out with that confidence and played the way we wanted to play in Portland," said Ching. "In the second half we kind of took our foot of the gas and I think a little of that goes with confidence, a little of that goes with the other team being at home and gaining a little confidence and pushing the game a little bit more."
It was the Dynamo's second MLS road defeat of the season, but they have won all three of their league games at BBVA Compass Stadium and could go top of the Eastern Conference with a win on Sunday, depending on other results.
The Dynamo were 11-0-6 at home and 3-9-5 on their travels in the 2012 regular season but produced exceptional away performances when it mattered most, beating Chicago 2-1 at Toyota Park in the playoffs and then thwarting Sporting Kansas City and D.C. United over two legs to earn their second consecutive MLS Cup final appearance.
Regardless of location, Ching wants the team to replicate the relentlessly positive attitude that has drawn the club level with Real Salt Lake's record of 34 unbeaten home matches in all competitions.
"At home we stay confident the whole game," he said. "When the playoffs come around we keep that mentality for the entire game and that's something that we've lacked I think over the past three years when we've been going on the road. It's just a mental shift that we need to stay confident, stay strong and kind of push the game.
"Because we're a good team - you see it at home, always constantly pushing the game. I think when we do that for a full 90 minutes your confidence stays higher and you really don't give the other team a chance to get confident."
HIGHLIGHTS: Ching's hat trick vs. Chicago Fire
For a shot of self-belief against Chicago, all the Dynamo need do is recall the fixture between the clubs in August 2010. It was a Robertson Stadium classic, Houston winning 4-3 thanks to a Ching hat-trick. His second was a stunning overhead kick after a thumping shot from Bobby Boswell had rebounded off the crossbar.
"One of my more memorable goals. I don't score a lot of those of that nature, let's put it that way," Ching smiled.
Houston twice held a two-goal lead but the Fire recovered to bring level at 3-3 in the 81st minute. One of Chicago's strikes came courtesy of current Dynamo forward Calen Carr. But Ching's header from a corner with five minutes left gave Houston an unforgettable victory.
"He's had big games for us over the years," said Dynamo head coach Dominic Kinnear. "The [goal] that will stand out was the overhead kick from five yards out, that was great play by him."
It is one of the more memorable fixtures Kinnear has experienced. "There have been a lot of real good games, I think, playoff games always obviously stand out the most," he said. "But when you think of regular season games there've been some good ones and that's up there."
Turns out, it's the Dynamo's most recent regular season win over the Fire. Four straight ties followed Ching's heroics, then a 3-1 win for the home side in Illinois last September.
The Fire had picked up only one point from their first four games of 2013 but claimed another three on Sunday thanks to the inspired introduction of Maicon Santos off the bench. The forward scored two late goals to give Chicago a 3-1 win over the New York Red Bulls at Toyota Park.
"The Fire are a very good team, they've played us well. Having said that, they were a team that were struggling and kind of got a big win last weekend. They're a dangerous team, they were obviously predicted to be one of the better teams in the East at the beginning of the season, I think it took them a little while to jell," said Ching.
"They're a team that obviously has the talent, they got that first win and it could give them a boost of confidence that they need. It's going to be a difficult game for us coming in but we're a confident team at home. Especially after a disappointing loss in Portland I think we need to kind of come out and establish ourselves again here at home, like we have all year."
Tom Dart is a contributing writer to HoustonDynamo.com. Former editor and reporter for The Times of London, Dart currently freelances for The Guardian as well as SI.com.


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Is your air conditioning system on its last leg? No longer feeling the same cooling comfort it used to provide? Turn to EnJoy Heating & Cooling for all of your cooling needs. We have been serving Lakeland Highlands for over 35 years; we know the Florida heat! We will outfit your home with the best system suited to your individual needs to keep you comfortable throughout the hottest months.
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Is your cooling system over 10 years old? Maybe it's just not running the same as it once did. There are a number of telltale signs that indicate a system has reached the end of its life. It may still be running, even cooling some parts of your home, but the inefficiency of a run-down system will seriously cost you. Here are some signs that your AC is due for a replacement:
- Your energy bills are higher than in previous years.
- You've noticed the air not reaching every area in your home.
- Your unit is blowing warm air.
- Your unit is producing unusual noises or smells that won't go away with repairs.
- Your unit is over 10 years old.
If you've noticed any or many of these issues in your Lakeland Highlands home, give the experts at EnJoy a call and we will evaluate your system. We will tell you if the benefits of a full replacement outweigh the cost of a repair, and which is the best approach to take. We will always work with you to decide the best solution for you and your Lakeland Highlands home.
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While the initial cost of air conditioning replacement may deter you, we can guarantee there are a myriad of benefits to reap beyond energy cost savings. Full replacements can often save you money in the long-term, as inefficient systems can run up your energy bills, and newer units are very efficient and often cost less to run.
- Proper Size: Many outdated units are too large for the system they run. A properly-sized unit will provide you just the right amount of cooling power without taking up too much space.
- Efficiency: As we've already mentioned, newer systems are always more efficient than older ones. Your Seasonal Energy Efficiency Ratio indicates your unit's operating efficiency. The minimum rating is 13 and maxes out at 23. In the Florida heat, we recommend a rating of at least 16 to keep up with the frequent use. Old units can have SEERs far below 13—imagine how much you'll save with a high-efficiency AC!
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Each of our EnJoy technicians can install and repair any and all brand of air conditioner. Our decades of experience make us well-versed to answer any questions you may have. We guarantee a safe, smart installation that will keep your Lakeland Highlands home comfortable years to come.
We will work with you to select the best air conditioner for your unique home and budget. We start by checking your duct work to see that it is properly sized for your home, and from there, we can select what brand and size air conditioner will work best for your needs. We work to ensure your air conditioning unit will efficiently serve you for years to come.
Ready for AC Replacement or Installation in Lakeland Highlands?
If you need a new air conditioning system, EnJoy Heating & Cooling is the team to call. We have over 35 years of experience servicing the Polk County area; you can be sure we will get your home cool and comfortable as quickly as possible.
Contact us online or give us a call at (863) 667-3200 today to get your AC installation scheduled!


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Less lawn equals less work. That's the best argument for hardscaping—that's the use of pavers, brick, or decorative stone. Whether you opt for a patio or lay garden paths, you'll have a durable surface that never needs weeding or watering—although you may want to sweep it occasionally. Options abound, from neat grids to a patchwork effect, so a great no-fuss look is just a stone's throw away.
Related: 10 "Best in Class" Patio Pavers
Zillow Digs home in Kirkland, WA


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On Monday, for just the third time in the last six seasons, the C. Milton Wright softball team suffered a 10-run mercy-rule loss, as the visiting Mustangs were dispatched, 11-1, by host Broadneck.
"It is difficult to know what to say about today's game at Broadneck," CMW head coach Russell Kovach said. "Since 2007, the only mercy-rule losses sustained by the Mustangs were in 2008, against nationally-ranked Caravel Academy, and at the 2010 state championship game against the nationally-ranked Northern Patriots."
The game Monday was halted after the sixth, as Broadneck, leading 7-1 heading into the home half of the inning, scored four runs to go ahead by 10.
CMW put the leadoff runner on base in five out of six innings, but could muster only one run in the sixth.
CMW's Emily Luzetsky was 2-for-2 with a double and scored her team's lone run, while Jordan Pross was 1-for-3 with an RBI double.
HdG storms to tourney title
Playing hosts on Saturday afternoon at The James R. Harris Memorial Softball Tournament, the Havre de Grace Warriors cruised to a title, allowing a single run in a pair of victories over Harford Tech and Fallston.
In the second-round matchup, Havre de Grace topped visiting Harford Tech, 11-1, in five innings at Stancill Park.
The game was halted after the fifth inning under the 10-run mercy rule.
Havre de Grace posted four runs in the first inning, then scored seven more in the fifth. Harford Tech's lone run came in the first inning.
The Warriors' Taylor Smith went 2-for-3 with a home run and four RBIs, while teammate Rebecca Ashman was 2-for-4 with one RBI. Hailey Bethke had a pair of hits in the victory and fellow Warrior Megan Thompson was 2-for-3 with a double. Havre de Grace's Riley Arnold was 2-for-4 with a pair of runs driven in and teammate Kayla Vaughn was 1-for-3 with a two-RBI double.
The tournament's opening contest saw Havre de Grace starter Thompson toss a three-hit shutout, helping the Warriors take out Fallston, 7-0.
Smith was Havre de Grace's top offensive contributor, going 2-for-4 with a pair of home runs and three RBIs.
Fallston takes tourney win
In their final contest at Saturday's James R. Harris Memorial Softball Tournament, the Fallston Cougars slugged their way to a 10-0 victory over Harford Tech.
The game was halted after the fifth inning because of the 10-run mercy rule.
HdG blasts Bel Air
On Thursday, Thompson was hot on the mound and at the plate, tossing a complete-game two hitter, while going 2-for-3 with two doubles and three RBIs in the Warriors' 5-2 road victory over the Bel Air Bobcats.
Over seven innings, Thompson recorded five strikeouts.
The Warriors' Ashman ripped a pair of singles and drove in one run.
Bel Air starter Rayn Gibson also went the distance, striking out five Warriors in the process.
Taylor Hensley smacked a double for the Bobcats' lone extra-base hit.
CMW splits at tournament
After making it to the championship round of the Franklin Invitational Tournament on Saturday with an opening-round victory over Williamsport, the C. Milton Wright Mustangs suffered a 7-2 defeat to Eastern Tech.
Jordan Pross was 2-for-3 with a triple in the loss, while teammate MacKenzie Fitzgerald was 1-for-2 with a two-RBI double.
With the game tied, 2-2, after four innings of play, Eastern Teach rallied for a pair of runs in the fifth, then added three more in the sixth.
The Mustangs' opening-round contest with Williamsport ended as an 11-3 victory for CMW.
The game was called in CMW's favor after six innings because of tournament time constraints.
The Mustangs out-hit Williamsport, 14-4.
Pross led the way in the victory, going 3-for-3 with a triple and a team-best four runs scored. Jenny Lynch was 2-for-2 with two RBIs and one run, while teammate Catherine Kim went 2-for-4 with two RBIs.
CMW bashes Tech
The C. Milton Wright Mustangs posted double-digit runs on Thursday en route to a 14-3 win over the host-team Harford Tech Cobras.
The guests struck first in top of the second inning with a four-run outburst, then, after the Cobras scored their first run in the bottom half of the inning, CMW came through with eight runs in the third. CMW and Harford Tech scored two runs apiece in the fourth.
CMW's Payton Pross was 3-for-4 with four RBIs, two runs and one stolen base, while teammate Luzetsky finished 3-for-4 with one run, one RBI and one stolen base. Lindsay Ibberson was 3-for-4 with three runs and one steal. The Mustangs' MacKenzie Fitzgerald was 2-for-4 with a pair of runs scored.
Harford Tech's Alyssa Hockaday led her team's offense, going 2-for-2 with a two-run homer. Ashley Leavens was 1-for-1 in the loss.
Earning the win was CMW starter Morgan Fulton, who tossed four innings.


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Long weekend away with family and friends.
Life as a carbon-based life form; a journey of building on success and learning from mistakes.
Long weekend away with family and friends.
Day 1: Cau Dot and Ha Tien.
Fairwell Be Hoang to Denmark.
Day 2: Hue and Hoi An
Day 3: Thanh Minh at Phung Hiep
Day 4: Da Lat
Day 5: Can Tho
Day 6: Nha Trang and Buon Ma Thuoi


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Help us spread Indiana music, and we'll give you special rewards as our way of saying "thanks!"
Our priority at MFT is to make sure that Indiana musicians have the support they need and that Hoosiers have the vibrant music community we deserve. But we can't do this without your help! Please consider donating to support our mission to Spread Indiana Music.


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Sunday, 15 January 2012
Rose Street
18 comments:
your skirt is so pretty, love it!ReplyDelete
Krissy xoxo
haha it's my friend elena's i'm the brunette one xxReplyDelete
I love all of your outfits !ReplyDelete
you look amazing. the jacket is so cuteReplyDelete
xx p.s PERFECT location
You both look really amazing, I love your outfits :) xReplyDelete
that jacket is amazing :)ReplyDelete
you both look gorgeous*
you are both so pretty:)) ♥ great outfits!ReplyDelete
love the pink skirt outfit :) very gorgeous!!ReplyDelete
Love the red jacket and the assymmetrical skirt ^^ReplyDelete
- Anonymous16 January 2012 at 01:55
you look like Rosie Huntington-Whiteley. haha she's my favorite angel ♥ReplyDelete
i love the pinks skirt your friend is wearing, but you both 2 look great (:ReplyDelete
love the both outfits ♥ReplyDelete
Sehr schöner blog :)ReplyDelete
hast du lust auf gegenseitiges verfolgen ?
liebe grüße
- Anonymous21 January 2012 at 10:50
amazing styles,i love your blog. definitely following now. keep in touch :)ReplyDelete
violetheart xxoo
like this outfit <3ReplyDelete
You looking amazing as usual! xxxReplyDelete
I'm in love with leather jacket and you two have the cool jacket! ><ReplyDelete
i really like the pink skirt, red jacket, and both pairs of shoes!ReplyDelete


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Step inside just about any new car these days and you'll quickly see that vehicle interiors have become a pretty nice place to spend some time in. For the third consecutive year, WardsAuto sat in each and every new vehicle that had received redesigned or updated interiors, and it has now named its 10 Best Interiors.
Judges look at everything from design and fit-and-finish to comfort, safety and technology. Some of the standout selections include budget cars like the Chevrolet Spark and Kia Forte all the way up to more expensive sedans like the $60,000+ Cadillac XTS and Lexus GS450h. An interesting note here is that WardsAuto praises Cadillac for its CUE infotainment system while Consumer Reports generally lambasts the system. Asian automakers definitely won the contest for nicest interiors as the list is comprised of five Japanese automakers and two South Korean, with Toyota and General Motors in a dead heat with the most number of cars on the list with two each.
Scroll down for the full list (in alphabetical order) and press release from WardsAuto for its 10 Best Interiors of 2013.
Continue reading Ward's 10 Best Interiors released, Asian automakers take 7 of 10 spots
Ward's 10 Best Interiors released, Asian automakers take 7 of 10 spots originally appeared on Autoblog on Mon, 15 Apr 2013 14:30:00 EST. Please see our terms for use of feeds.
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Few natural wonders are more distinctive than the Mount Kumgang region of several thousand granitic crags looming inside North Korea beyond the demilitarized zone that has divided the Korean peninsula since the Korean War.
For the late Chung Ju-yung, founder of the Hyundai industrial empire, Kumgang, which means Diamond Mountain, was a dream that beckoned long after he ran away from the nearby village of Asan to seek his fortune in Seoul during the Japanese colonial era. One of his proudest achievements, three years before he died in March 2001, was to open tourism to Kumgang by boat to a small port on the east coast.
In recent years, however, Kumgang has come to epitomize the frustrations of entrée into the North. Hyundai Asan, the company that Mr. Chung founded to make deals with North Korea, has invested well over $1.5 billion in Kumgang for a hotel, hot springs, a shopping mall, a road, and other facilities. But the payoff has been tragedy – and, most recently, North Korea's announcement that it's taking over all Asan's operations at Kumgang.
"It's a political campaign by North Korea to change South Korean policy," says Yun Dae-gyu, vice president of Kyungnam University here. He sees little prospect of reopening tours to Kumgang, banned by South Korea's President Lee Myung-bak after a North Korean guard shot and killed a South Korean tourist who had wandered outside the tourist zone nearly three years ago.
"This government claims they have to apologize, and they are not going to do that," says Mr. Yun. At the same time, he doubts if North Korea will succeed in luring many tourists from China, as North Korean authorities say they plan to do.
In fact, if there is any reason to think the North Koreans may try to make amends with the South on Kumgang it's because of the difficulty they're having in drumming up interest in China.
South Korean officials meanwhile are adamant: "We demand North Korea take responsibility for shooting our tourist," says Lee Jong-joo, a spokeswoman at the Unification Ministry, citing North Korea's agreement with South Korea as guaranteeing Hyundai Asan's right to the facilities. "North Korea does not respond."
The overriding message is that of frustration in reaching any permanent understanding with North Korea on anything from business deals to doing away with its nuclear program.
An agreement between the US and North Korea, signed at Geneva in 1994 for North Korea to abandon the nuclear program in exchange for twin light-water nuclear energy reactors, broke apart eight years later with the discovery of a separate, secret uranium-enrichment program. North Korea also has not lived up to agreements reached in six-party talks in 2007.
Until the killing of the tourist, however, Hyundai Asan was still bringing South Korean and foreign tourists daily to Kumgang. The influx of tourists seemed to prove the success of the "sunshine" policy that the late Kim Dae-jung, president of South Korea from 1998 to 2003, had propounded when he flew to Pyongyang in June 2000 to meet North Korean leader Kim Jong-il for the first inter-Korean summit.
The downward spiral
The dream turned tragic when Chung Ju-yung's fifth son, Chung Mong-hun, the chairman of Hyundai Asan, jumped to his death from Hyundai headquarters in August 2003 amid investigation into the channeling of hundreds of millions of dollars through Hyundai Asan to North Korea to get Kim Jong-il to agree to the summit.
North-South relations by that time were on a downward spiral after the conservative President Lee, elected in December 2007, cut off donations of rice and fertilizer that Kim Dae-jung and his successor, Roh Moo-hyun, had showered on the North for a decade.
The standoff over the death of the tourist assumed a much broader significance as Mr. Lee demanded the North give up its nuclear program as a prerequisite for aid. Now, the abrogation of North Korea's agreement with Hyundai Asan on Kumgang endangers occasional "reunions" of divided families, agreed on at the June 2000 summit and held at Kumgang.
Paik Hak-soon, a veteran analyst of North Korea at the Sejong Institute here, says Kim Jong-il did apologize for the shooting when he received Chung Mong-hun's widow, Hyun Jeong-eun, now in charge of Hyundai Asan, in Pyongyang in August 2009. "South Korea never accepted this kind of apology," says Mr. Paik. Lately, he adds, Ms. Hyun has been asking "why South Korea is not moving at all."
Still, the outlook is not entirely bleak. A Hyundai Asan official blames the standoff on "the hard-line stance" of both sides. "In the near future, we are trying to resume our business," he says. "It will take a little time," but "we are prepared for any situation."


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|For the fast food chain, see Bite!.
Bite is a pornographic film, which begins filming in and is completed in Grand Theft Auto: Vice City. The film stars Candy Suxxx and Mercedes Cortez, was directed by Steve Scott, produced by Tommy Vercetti, and created at the InterGlobal Film Studios in Vice City. Posters advertising the film later appear throughout the city. The film pays homage to Steven Spielberg's film Jaws.
The film was released with great fanfare, including flyers being illegally dropped from a plane and a spotlight that projected Candy's logo onto a skyscraper. Its success matched the hype, and made Steve Scott a millionaire. The inclusion of a giant shark was frequently protested by Tommy, but it ended up not hurting the film's profits.


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Local youths may be familiar with the confrontation and spectacle of mainstream hip hop, where the words flow effortlessly with messages of violence, money and sex. Less familiar is a close cousin, slam poetry, which also has smooth lyrical moves, but uses them to deliver appeals to social justice, racial understanding and cultural identity.
There is a new effort underway at Lincoln Land Community College to bring the latter to the forefront, says Blanca Bernasek, director of the Multicultural Awareness Center. Disenfranchised youth in particular have taken to the slam poetry medium to voice opinions and feelings about their experiences, and Bernasek hopes that local youths will take up poetry as a way of expressing themselves in a constructive way.
"At this point, what we're trying to do is encourage students to get involved," Bernasek says. "We thought by introducing artists once a month, it would get our students in the community more familiar with it."
LLCC began in September by hosting Shanell Gabriel, who was featured in season six of HBO's "Russell Simmons Presents Def Poetry or Def Poetry Jam" in 2007. The Brooklyn, N.Y., native recorded a nationally televised promo for the 2007 NFL Draft, competed in the 2007 Individual World Poetry Slam Competition in Vancouver, Canada, and produced a CD combining spoken-word poetry, soul singing and hip hop.
Tuesday, Oct. 13, Carlos Andrés Gómez will be the next performer to take his message to LLCC, performing for the public at 11 a.m. in the student union.
Gómez has a long resume, with experience in acting, slam poetry, teaching writing workshops and even social work. He is most widely known for his appearance in "Def Poetry Jam," like Gabriel, but he's also taught a creative writing workshop in New York's Bellevue Hospital, and played alongside Denzel Washington in the Spike Lee movie Inside Man.
For Gómez, art is about getting people to connect to each other, by reaching out to find commonalities while breaking down racial barriers.
"I'm motivated by the ways we dehumanize and vilify each other," he says. "I'm motivated by the compassion that arises out of that."
His LLCC appearance is one stop on his latest college tour, "Majority of One," a motivational presentation meant to embrace the power of the individual. In it, Gómez alternates between his poetry, anecdotes, rants and "tightrope walking each other's heartstrings." Presentations in the newest tour are followed by opportunities for photos and autographs.
"The single most revolutionary thing you can do is recognize that you are enough," he says. "I want people to recognize how beautiful they are, how powerful they are, and go out into this world with abandon, smiling."
The "Majority of One" tour is a followup to a 2008 tour that brought Gómez to 26 colleges and universities. More recently, Gómez rounded out a 13-country world tour in the spring of 2009, culminating in his representing the US at the Poetry Africa International Festival in Durban, South Africa.
Two more slam poets will be heard before the end of the semester — one in November and one in December. The goal for Bernasek at the Multicultural Awareness Center is to find young minds interested in poetry, theater and music, and bring them together in a slam-poetry coalition. While the date is to be determined, Bernasek plans to have LLCC's first annual slam poetry competition in the spring.
"Culture doesn't just mean a country, it doesn't just mean an ethnicity, but there is a wide variety," Bernasek says. "Slam poetry is definitely a culture, and it might even be [the student's] own culture."
Contact Matthew Schroyer at firstname.lastname@example.com.


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3 Line Gold Vermeil Cascade NecklaceMake a statement in gold with this stunning layered chain necklace.
This piece really comes to life when worn. The links hang beautifully and the hammered texture catches the light adding a sense of depth and movement to the piece.
This beautiful chain necklace is truly versatile and features an adjustable length belcher chain. It's a must have piece that looks great dressed up or dressed down, and is guaranteed to make an elegant statement. Sterling silver with gold vermeil.
Individual main link size: 15 x 10 x 1mm
Adjustable chain length:- approx 18" - 22 inches
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We are the nation's largest online Grocery Coupon clipping service, offering more than a million national-brand coupons at any given time in our warehouse and shipping center. Browse our huge selection and start saving $$$ today!
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text:
See what questions
a doctor would ask.
8p-Syndrome, partial: A rare chromosomal disorder where there is one copy of part of the short arm (p) of chromosome 8 rather than the normal two. The type and severity of symptoms is determined by the location and size of the genetic material deleted. More detailed information about the symptoms, causes, and treatments of 8p-Syndrome, partial is available below.
See full list of 27 symptoms of 8p-Syndrome, partial
Read more about treatments for 8p-Syndrome, partial
Read more about causes of 8p-Syndrome, partial.
Prognosis for 8p-Syndrome, partial: The prognosis varies considerably depending on the type and severity of symptoms that develop. Prompt diagnosis and appropriate treatment can improve prognosis and quality of life.
More about prognosis of 8p-Syndrome, partial
Types of 8p-Syndrome, partial
Read about other experiences, ask a question about 8p-Syndrome, partial, or answer someone else's question, on our message boards:
8p-Syndrome, partial is listed as a "rare disease" by the Office of
Rare Diseases (ORD) of the National Institutes of Health
(NIH). This means that 8p-Syndrome, partial, or a subtype of 8p-Syndrome, partial,
affects less than 200,000 people in the US population.
Source - National Institutes of Health (NIH)
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I was a huge fan of the news aggregation service Summify, and was bummed when the Vancouver, B.C. was shut down this past summer after being sold to Twitter.
But now two former senior technologists who helped build the product recommendation engines at Amazon.com — Bob Cottrell and Andrej Gregov — are hoping to fill the gap left by Summify's disappearance. They've created an easy-to-use automated news recommendation service called Goldfinch that picks up the best stories, videos and photos rapidly moving through your personal social networks.
In other words, they are looking to solve a very big problem that many of us deal with every day: information overload.
Goldfinch essentially watches your personal social media streams, and then "bubbles up" the very best links of the day.
"Twitter and Facebook do a great job and displaying content as it happens," Gregov tells GeekWire. "The problem of course, if you're not reading your social streams exactly as content is shared, you'll miss it. Goldfinch let's you, in effect, catch up with what are the most significant stories of the day."
Gregov said they are not trying to replace Twitter or Facebook feeds, but simply providing a quick overview of the day's happenings.
The idea for Goldfinch, launching today as a $3.99 mobile app for iOS, started three years ago when Cottrell and Gregov started talking about ways to rank the content coming from their RSS feeds.
"We wanted a quick snapshot of what were the most important stories of the day," said Gregov. "Then news started migrating to the social networks and that same pain point, getting a quick snapshot of your best content of the day, was just as needed as ever."
Unlike Summify, Goldfinch is launching only as a mobile app, bypassing the email digests that the news service sent out regularly. (Gregov tells us they may consider an email version in the future).
One other key differentiator is that Goldfinch is a "real-time app," meaning that they display top stories in a matter of seconds.
"With Summify you had to wait for your summaries to be delivered at certain times per day after processing," he said. "In addition, we also let users scan through their whole story feed for the day, not possible with Summify."
Other apps in the news summary space include News.me, Prismatic and Bottlenose. And while Gregov says each has an interesting twist, none of them do a great job of showing the best news links from one's social network in his view.
We're not venture backed. We aren't trying to become the next big thing in news," says Gregov. "We're focused on a simple problem, surfacing the best from people's social streams. We do that really well. If that's a relatively small market, that's fine. Our business model let's us focus on building tightly focused apps."
Cottrell and Gregov both worked at Amazon.com for more than 10 years, building some of the early recommendation technologies alongside Josh Peterson of Robot Co-op; Buster Benson (now at Twitter) and Greg Linden (featured in GeekWire earlier this month). Gregov and Cottrell later moved to IMDb where, among other things, they built the iOS version of the popular movie directory.
I asked them how that shaped what they are building at Goldfinch. After all, Amazon.com is very much known as a leader in recommendation technologies.
Here's what Gregov had to say about the Amazon experience, which shaped how they build apps at the new parent company of Goldfinch, which is known as Sliding Autonomy.
"You always start with the customer first at Amazon and work backward from there. Our approach was no different with Goldfinch. We wanted an app that could identify the best content of the day in seconds. Everything from the backend infrastructure to the actual iOS app UI was focused at getting content to users in seconds and allowing them to get through it as quickly as possible.
When you use Goldfinch, it seems pretty simple. It just shows you great stories from people and sources you trust. But there is some non-trivial technology we needed to build in order to analyze hundreds, in some case thousands of shared items, in real-time. We hide all that complexity for users just as we did building product recommendations for the Amazon website and making one of the fastest mobile apps for IMDb.
Working with big data and building extremely performant mobile apps are the two big skills we took away from Amazon and hope to continue to build upon that skill set at Sliding Autonomy.


text: Golisano Children's Hospital / Neonatology Neonatology Specialized Care The Division of Neonatology at the University of Rochester is responsible for the care of premature and critically ill infants born at Golisano Children's Hospital and at community hospitals in the Finger Lakes Region. The Division has an active program of clinical and laboratory research that complements these clinical activities and a fellowship program that trains future Neonatologists. NICU Highly specialized newborn care is provided in our Neonatal Intensive Care Unit (NICU). Our NICU is a Level IV care facility and treats all neonatal medical and surgical problems, including advanced therapy for cardiac and pulmonary diseases, such as cardiac surgery and ECMO. High-Risk Pregnancies Many women with high-risk pregnancies are referred to URMC to consult with High-Risk Obstetricians, geneticists and Neonatologists. Often, these expectant mothers deliver at Strong Memorial Hospital's Strong Beginnings Obstetrical Units, so their babies can be immediately evaluated and transferred to the NICU, if necessary. Regional Perinatal Center As the Regional Perinatal Center for the NYS Finger Lakes Region, critically ill newborns from other hospitals and emergency care facilities in Rochester and 13 surrounding counties are frequently transferred to Golisano Children's Hospital. Our Neonatal Transport team is available 24 hours a day, 7 days a week to help, making sure each baby receives optimal care in transit. NICU Continuing Care Program The NICU Continuing Care Program (NCCP) provides special follow-up care for babies who have been in the Neonatal Intensive Care Unit (NICU). Over 96% of infants admitted to the NICU survive and are discharged. Since all of these infants are at higher risk for developmental problems than other births, the Division of Neonatology has established the NCCP to diagnose developmental problems early and arrange treatment. NICU graduates at highest risk are seen in a special clinic by experienced evaluators (NICU Continuing Care Clinic). NICU graduates with a lower risk of developmental problems, who do not meet the criteria for participating in the NICU Continuing Care Clinic, are followed via mailed family and pediatrician surveys (NICU Continuing Care Tracking Program). We also provide support to obstetricians and pediatricians in our SMH Well Baby Newborn Nurseries, and the Special Care Nurseries at Highland, Rochester General, and Park Ridge Hospitals. Our Mission and Values We are dedicated to providing state-of-the-art care to babies of the Finger Lakes Region and are committed to the education and training of physicians and scientists through a diligent research program that respects and incorporates both basic science and clinical investigation. All babies, regardless of their illness, are best cared for in the most nurturing and developmentally appropriate environment possible. Our newborn patients are best cared for in the context of their families' support and values. Parents are essential participants in medical decision-making about their babies' care. Communication with parents is central to our mission.


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Tangle Free Earbuds
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Sensitivity – 100dB ±3dB at 1kH
Max Power Input – 100mW
Impedance – 16 Ohms


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What are the prospects for dividends in the UK?
Following six years of healthy dividend growth in the UK market, we believe it is sensible to expect the next few years to be more challenging.
Aggregate market dividend estimates have been falling, with commodity stocks, particularly the miners, suffering the highest profile cuts. Even excluding commodities, market forecasts expect dividend growth to slow in 2016. But is the outlook that bad?
We highlight there is still strong potential for dividend growth to be found in sectors such as non-life insurance and software.
Headwinds from mining, oil and banks
The dividend pot of the UK market has grown significantly since the financial crisis from around £50 billion in 2009 to almost £80 billion today.
Even on a per share basis (i.e. adjusting for increased share count increases from equity raises) we now stand about 10% above the prior peak.
The darkening prospects for commodities, and increasingly the banks, have been the catalyst for investors to reappraise the prospects for market dividend growth.
Mining has undergone the biggest sea change. The sector which once represented a significant 10% of all UK dividends is likely to represent only 2% in 2016, with risks biased to the downside.
China's slowdown and diminished appetite for infrastructure investment has crushed the price in key commodities such as iron ore, leading to pressure on cashflows and dividend cuts from the key players.
The story from the oil majors is likely to be slower to play out but recent comments from BP's chairman, Carl-Henric Svanberg, clearly hinted at a dividend cut unless the oil price recovers.
With around a fifth of UK dividends coming from oils this represents another meaningful headwind to dividend growth for the coming years.
Turning to the banks, slowing global growth and increased deflationary pressures have fed a low and flattening yield curve leading to cuts to bank profitability. Each bank has its own issues:
- Continuing limited visibility on litigation payments (Royal Bank of Scotland)
- Concerns around emerging markets and commodity exposure (Standard Chartered)
- Restructuring issues (Barclays)
- Concerns over dividend cover and scrip dividend dilution (HSBC)
Nonetheless bank dividends, in sterling terms, are still expected to grow in aggregate this year though we caution that unless economic growth expectations stabilise there could be more cuts to come.
The only major bank to contrast with this theme is Lloyds Banking Group whose management indicated significant dividend growth is likely for the coming years – only time will tell if management are right.
But it's not all bad news
Away from resources and banks the picture is better. Insurance, travel & leisure, pharmaceuticals, software and housebuilders should all show double digit dividend growth this year.
Within insurance the non-life insurers have been trading well and best of all is perhaps Admiral. Chart 1 below shows Admiral's strong dividend track record since listing in 2004.
In addition there has been a further step-up in its shareholder payout announced for 2015 (the final year of the long-serving CEO, Henry Engelhardt).
Whilst there is good news to be found, the sectors listed above growing double digit only represent around a fifth of the total market.
Chart 1: Admiral dividend track record
Source: Admiral, April 2016. For illustrative purposes only and not a recommendation to buy or sell. Past performance is not a guide to future performance and may not be repeated.
Dividends rely on the business cycle
Turning to the sectors neither in structural decline, nor benefitting from a supernormal growth, we must accept their prospects are subject to the wider economy (or perhaps financial engineering by, for example, balance sheet re-leveraging to pay special dividends).
Global growth estimates have been declining over the last six months, currently standing at +2.5% for 2016, following +2.6% in 2015 (source: Citigroup). The negative momentum is quite broad based, emanating from both emerging and developed markets.
UK growth expectations are also being cut and whilst this can be partially attributed to Brexit uncertainty, weakness in global trade presents an underlying headwind.
As Chart 2 below shows, aggregate financial leverage (borrowing) and payout ratios have been increasing over recent years, leaving less room for manoeuvre in this slowdown scenario.
Chart 2: Dividend metrics in the UK market
Source: Factset, April 2016. Dividend cover measures the number of times a company's most recent dividend can be paid out of its annual earnings. ND/EBITDA is net debt divided by earnings before interest, tax, depreciation and amortisation and gives an indication of a company's ability to pay off its incurred debt.
Focus on dividend security
Following six years of healthy dividend growth, as we now stand in the slowdown phase of the cycle, it is sensible to expect the dividend environment over next few years to be more challenging.
Total dividend distributions are well above (40%+) their 2008 level and even on a per share basis (i.e. adjusting for capital raises) payouts now stand around 10% above their pre crisis peak (see Chart 3 below).
Chart 3: Dividend per share of UK market now above pre-crisis peak
Source: Datastream, Citigroup, April 2016. Past performance is not a guide to future performance and may not be repeated.
Across our income strategies, in which we run £1 billion of client funds, we try to deliver a premium level of income alongside long term capital growth by thinking of stocks in three groups:
- Premium yielders (those stocks with above market yield but limited growth potential)
- Dividend growers (those stocks normally with a market or sub market yield but which can offer superior growth across the cycle)
- Those which offer capital returns (stocks with very limited or no dividend but good capital growth potential).
During the slowdown phase of the cycle we would tend to tilt the portfolio towards stocks offering growing dividends alongside an allocation of sustainable higher-yielding assets.
Consequently across our income strategies we have become increasingly focused on dividend security. We employ a number of screens on cashflow and balance sheet strength to identify stocks whose yield is sustainable and, of course, those where it's not.
This brings us on to the topic of the importance of portfolio construction in the UK market. In our view, the more highly concentrated dividend profile of the UK market should suit the active management approach.
As Chart 4 below shows, the UK market is dominated by some key payers with the top 10 representing just under half of the total.
Chart 4: Biggest distributors as percentage of UK market total
Source: Datastream, April 2016. For illustrative purposes only and not a recommendation to buy or sell. Past performance is not a guide to future performance and may not be repeated.
This concentration in payout means UK income investors can potentially achieve superior outcomes to the market through taking active positions on these bigger payers and portfolio construction.
Challenges ahead but UK remains attractive for income investors
So after a good run UK dividends might pause for breath over the next few years.
There are still areas of strength, but with the business cycle in its slowdown phase dividend growth will be harder to come by. Consequently we're focused on identifying secure and growing dividends across the UK market.
With alternative asset classes such as bonds often offering negative real yields, we think the FTSE All-Share's yield of 4% continues to offer value to investors.
By comparison with other geographies, UK corporates have a particularly strong dividend culture and this discipline should benefit investors over the coming years.
Stocks and sectors mentioned are for illustrative purposes only and not a recommendation to buy or sell.
- Aktien
- Großbritannien
- Matt Hudson
- Einkommen


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It was, by any measure, a triumphant musical homecoming for Lexington native Matt Nathanson, who headlined the Blue Hills Bank Pavilion in Boston Saturday night before 4,500 giddy fans. But with Gavin DeGraw as a co-headliner, it was also a pretty terrific night for all pop fans of a romantic bent.
Nathanson, who really didn't come into his own musically until he went to Pitzer College in Claremont, California, and began writing and performing his folk-rock music in earnest, salted Saturday's show with numerous local references that let the crowd know he is truly a Beantown area native.
Whether it was greeting the throng with "Can I call you HarborLights?" or assuring fans his new home is San Francisco because "that's the Boston of California," or introducing a solo acoustic number that would be "like the olden days, at the Kendall Cafe," Nathanson struck just the right tone for a returning homeboy.
We first stumbled upon Nathanson about a decade ago, around the time of his 2003 album "Beneath the Fireworks," when on a stroll about Providence looking for music, we noticed a crowd of about 60 college age girls lined up outside The Call. Now, originally as The Last Call, that club had been a blues joint frequented by bikers, and while it became more refined and more of a rock club as The Call, it was still your typical roadhouse/rock club. But that amount of young women was unusual, so we investigated, and found the place packed, with about three-quarters of the audience young and female, and all of them just about swooning over the self-effacing young fellow onstage singing his appealingly detailed folk-rock and pop tunes.
Fast forward to the present day, and Nathanson has built a prodigious career over the course of eight studio albums, a couple of live CDs, and relentless touring. If he hasn't conquered the charts like some mega-stars, he has still crafted a very rewarding career with many heights. He did one of those coveted Live From Darryl's House shows with Darryl Hall (March 2009), placed his song "Faster" on The Bachelor tv show, performed on Jay Leno's Tonight show (July 2013), and had his cover of the old hit "Laid" pop up on the soundtrack to the movie "American Wedding."
But the core of Nathanson's success has always been his live shows, and it is no wonder because he is a fabulous showman, hammy in a goofball sort of way. Chiding one front row fan who was reluctant to join the dance-mania of one song, Nathanson advised the fellow "this is a Matt Nathanson show--there's no such thing as cool here.."
Nathanson's songs are mostly about love and relationships, but he frames them as stories, vignettes delivered with intelligence and an even hand, and frequent self-deprecating humor. The end result is that Nathanson achieves that rare effect a very few movie stars (Burt Reynolds, Kevin Costner, Ben Affleck for example) have; women want to date him, and guys want to hang out with him. As Saturday night in Boston proved, hanging out with Nathanson is a good time.
Nathanson and his quartet crammed fifteen songs, more or less, depending on how you count the snippets they often played within other tunes, into their 80-minute set. Musically the songs ranged from quiet and folkie, to roaring heartland rock, and the foursome was magnificent throughout, led by guitarist Aaron Tapp, another Lexington native Nathanson met when both worked in the kitchen of the Bel Canto restaurant. Nathanson and Tapp on electric guitars gave "Annie's Always Waiting (For The Next One to Leave)" a real mainstream rock thrust early in the set, and how can you resist a song with lines like "she had a master's degree in disappointment.."
A Nathanson chestnut, "Car Crash" was delivered as a surging folk-rocker, where the singer's plaintive tone makes it palpable that when he says "I want to feel the car crash" he's really yearning to feel anything real and meaningful. Nathanson wrote "Run" with the country band Sugarland, and while that song was recorded as a duet with Jennifer Nettles of Sugarland, Nathanson's solo take was just as sensually smoldering, definitely an R-rated bit of country-rock.
That tune also led to a funny moment, as Nathanson wondered if there were any kids too young to hear bad words present. When a ten-year old named Sidney was pointed out about ten rows back, the singer explained to the boy that "Run" was really about a situation akin to one-on-one basketball. Sidney's dad had been holding a "I (heart) Gavin DeGraw" poster, and Nathanson had some fun with that, advising Sidney to listen carefully to the song, "I know you're not a fan of this music yet, because your father hasn't been doing his job, but we'll help you both out." Nathanson then shrugged off the navy blue tour tee shirt he'd been wearing (revealing a black tee underneath) and tossed it out to Sidney as a souvenir.
Nathanson used a very cool falsetto to enhance the soulful feel of "Mission Bells," a lost-love tune where he admits "I'm the last of the worst pretenders." But then "Room at the End of the World" was simply a galvanizing heartland rocker. of course Nathanson had to have some fun with it, so a mid-song segment had him assuring the crowd "everyone has a little Whitney Houston in them, ready to bust out," before leading a sing-and-dance-along to Houston's signature hit "I Want to Dance With Somebody."
Nathanson's most recent single is "Kinks Shirt," a tune he explained was a product of just seeing someone and imagining you had an affair. It was, he said, "for all those people who fall in love at the Stop & Shop, or the Stah Mahket, or even Demoulas' Market Basket!" That last line prompted a big cheer, before Nathanson launched the folk-rocking tune itself, a three-minute pop gem that was performed as video screens showed vintage 45 records, and 1950's beach movies. Continuing that mood of wackiness, the band did a loose-limbed cover of "Dirty Water," before kicking off their cover of "Laid."
Nathanson's solo turn on "Suspended" was a reminder of how evocative he can be when he plays it straight. But then the band returned, with opener Andrew McMahon for a torrid sprint through Tom Petty's "American Girl." Nathanson told the crowd "This is a big day for Andrew, he's nine years cancer-free. He's not only a great guy, he's also my hero." McMahon swapped vocals with Nathanson on the old chestnut, and he probably sounded more like Petty than Petty does.
The homestretch featured a romp through the pulsating "(You Make My Heart Beat) Faster" with a mid-song insert of George Michaels' "Faith." The new song "Headphones" was a midtempo ballad about how music can make life easier. And the infectious love plea "Come On get Higher" ended the night with a flourish.
On any other night, Gavin DeGraw's 75-minute set would've been the highlight. The singer-songwriter from the Catskills area of upstate New York blends soul, folk and pop rhythms as well as anyone ever has. Just when you thought his phrasing and footwork on the throbbing dance-club epic "Radiation" were reminiscent of Michael Jackson's best, he and his quintet kicked into a delightful cover of Hall and Oates' "Rich Girl," and you realized how well he evokes that sound.
For a couple generations raised on American Idol type shows, where every song becomes an operatic workout with big dynamic swings, designed to showcase vocal range and power, DeGraw is the gold standard, a singer of dazzling range and potency. If his songs don't have quite the down-to-earth quality of Nathanson's, they are accessible, widely appealing, and in the grand tradition of American pop music. Heck, some of these tunes are just ready-made for a modern Broadway show to be written around them.
DeGraw easily handled U2's "Where the Streets Have No Name" in a moving rendition, then seamlessly moved into his own buoyant "Everything Will Change." DeGraw's band, led by guitarist Billy Norris, uncorked a rollicking rocker on his "In Love With A Girl." DeGraw's "Finest Hours" morphed from a wistful ballad into a gritty midtempo rocker. And his "I Don't Want to be" was such an infectious delight, with stop-time breaks enhancing its tension-and-release, that an encore segment was pre-ordained.
DeGraw's three song encore probably peaked with his new single, the dance-party special "Fire," but the thumping ballad "Not Over You, " focused on a hypnotic piano figure, was probably a better microcosm of his songwriting talents.


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Way back when, remember how we were all told to think about the day Kerry Wood comes back?
"Hey, if you get anything at all from Kerry Wood, it's a bonus."
Well, that day is about to happen.
I still agree with the bonus part, because the use of the word "bonus" in that context implies something statistical.
Strikes and balls.
What they didn't tell us was what this will mean to human beings.
Hearts and souls.
Cub fans.
There is nothing in the world I'd rather see than Kerry Wood come back and…I don't even need a ton of strike outs.
Just pitch.
After all the guy's been through, I can't imagine a happier story: happy for him, happy for us Cub fans.
But I'm afraid this is going to be like watching one of those movies people like to email around.
The one that starts with the kid getting on a skateboard aimed down a second story roof.
It's either gonna be a glorious ride or…something else.
Anyway, they say on Thursday old Kerry's gonna be back on the team, back on the field, back on my tv.
And back in my heart.
Here's to hoping he doesn't break it.


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Blue Wire POS necesitaba un nuevo diseño de logotipo y lanzó un concurso de diseño en 99designs.
Un ganador ha sido elegido entre 159 diseños de 67 diseñadores freelance.
Blue Wire POS (The POS stands for "Point Of Sale") http://www.bluewirepos.com
We sell point of sale equipment to people in the electronic payment processing industry. (Credit Card Processing Terminals & equipment). Our products are not offered to the public. We supply other companies with bulk & wholesale refurbished equipment that they can re-sale to their retail customers.
We want to look like the largest and most professional supplier. Our competitors do not have a complete business identity. We want to go total professional looking like there is no competition because we are the largest and the best. Clean, high tech & professional. We want our logo to look custom designed and not like clip art elements that have been slapped together. Have fun with the letters and logo elements. We have never had a logo so you have a pretty blank canvas.
Business professionals (Business owners) in the payment processing (Merchant account) industry. People who sell credit card processing services (Merchant Services). There are large companies who have independent resellers all across the country. We are targeting all of the independent sales agents or offices. Entrepreneurs who sell merchant services.
Our website is at: http://www.bluewirepos.com. Please don't be limited by the website design. We are willing to change the entire website based on your logo. You have total creative freedom here. We do not have an existing company identity and will change our existing collateral to match the new logo you design for us.
We want high tech & clean professional looking. We are very open to your ideas. We promise to give fast and useful feedback. We know that many people will say you have creative freedom and that translates into "We don;t know what we want." In our case, we really mean it. We value that you are more creative and artistic than we are. We will know what we like and will give you quality feedback.
We know there are a few designers out there that will just get the groove of this and nail it. Our feedback will be helpful to you.
Descubre cómo funciona un concurso de diseño u obtén más información sobre nuestros servicios de diseño de logo.


text:
Use of track quality standard deviation in design and Construction
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